Sharpe ratio
0.45Return earned for the risk taken.
Moderate
Moderate risk-adjusted returns. The reward for risk has been average.
+3.92%1Y Absolute Return
-0.28%1D
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Past performance is not an indicator of future returns.
Returns calculator comparison
Compare an illustrative investment outcome across return assumptions.
| Asset | Projected corpus | Total invested | Gain | Annual return |
|---|---|---|---|---|
| DSP Regular Savings Fund - Direct Plan - GrowthFund 5Y annualised return | ₹8,84,894 | ₹7,32,612 | ₹1,52,282 | +7.79% |
| EPFIllustrative annual assumption | ₹8,95,132 | ₹7,32,612 | ₹1,62,520 | +8.25% |
| Residential propertyIllustrative annual assumption | ₹8,67,662 | ₹7,32,612 | ₹1,35,050 | +7.00% |
| PPFIllustrative annual assumption | ₹8,69,819 | ₹7,32,612 | ₹1,37,207 | +7.10% |
| Bank fixed depositIllustrative annual assumption | ₹8,56,981 | ₹7,32,612 | ₹1,24,369 | +6.50% |
| GoldIllustrative annual assumption | ₹8,67,662 | ₹7,32,612 | ₹1,35,050 | +7.00% |
| Savings accountIllustrative annual assumption | ₹7,86,827 | ₹7,32,612 | ₹54,215 | +3.00% |
Illustration only. Fund results use the available NAV-derived annualised return and can be negative. Reference rows are assumptions, not current quoted rates or guaranteed returns; property excludes transaction costs, taxes, and liquidity constraints. Mutual fund investments are subject to market risk.
Wealth multiple
₹1 became₹1.08
₹1 Lakh since launch₹1.08 Lakh
Fund age13.9 yrs
Fund information
Scheme code118994
ISININF740K01NO5
BenchmarkCRISIL Hybrid 85+15 Conservative Index
CategoryHybrid Scheme - Conservative Hybrid Fund
Expense ratio0.64%
Exit loadNil
Minimum SIP₹100 SIP
Return comparison
5th / 104 in category| Period | Fund | Benchmark | Category avg |
|---|---|---|---|
| 1M | +34.76% | — | — |
| 3M | +3.19% | — | — |
| 6M | +6.64% | — | — |
| 1Y | +3.92% | — | -0.90% |
| 3Y | +8.74% | — | +3.51% |
| 5Y | +7.79% | — | +2.85% |
| 10Y | +7.48% | — | — |
| Since Launch | +8.36% | — | — |
Risk-adjusted performance
Every measure is expanded with a plain-language reading of the latest calculated value.
Sortino ratio
0.64Return earned while limiting downside risk.
Moderate
Moderate downside risk-adjusted performance.
Standard deviation
3.57%How much the fund’s returns fluctuate over time.
Low volatility
Returns have been relatively stable.
Beta
—How closely the fund moves with the market.
Unavailable
This measure needs sufficient fund and benchmark history to calculate.
Alpha
—Extra return generated above the benchmark.
Unavailable
This measure needs sufficient fund and benchmark history to calculate.
Treynor ratio
—Return earned for each unit of market risk taken.
Unavailable
This measure needs sufficient fund and benchmark history to calculate.
Calmar ratio
0.70How well the fund rewarded investors relative to its biggest decline.
Good
Good return relative to the drawdowns experienced.
Information ratio
—How consistently the fund outperformed its benchmark.
Unavailable
This measure needs sufficient fund and benchmark history to calculate.
Portfolio allocation
Latest disclosed portfolio mix
Asset allocation
Portfolio104%
Debt104.49%
Market cap allocation
Sector allocation
Equity exposure by sector
Top holdings
10 of 50 disclosed positions
| Holding | Sector | Instrument type | Weight |
|---|---|---|---|
| GOVERNMENT OF INDIA 33618 GOI 13NV30 7.32 FV RS 100 | Entities | GOI Securities | 11.64% |
| CENTRAL GOVERNMENT LOAN 23277 GOI 22SP33 FLT FV RS 100 | Entities | GOI Securities Floating Rate Bond | 8.86% |
| STATE DEVELOPMENT LOAN 36123 MH 25JU38 7.03 FV RS 100 | Unspecified | State Development Loan | 8.06% |
| GOVERNMENT OF INDIA 32829 GOI 10AP28 7.06 FV RS 100 | Entities | GOI Securities | 5.76% |
| GOVERNMENT OF INDIA 36574 GOI 06OT35 6.48 FV RS 100 | Entities | GOI Securities | 5.55% |
| SMALL INDUSTRIES DEVELOPMENT BANK OF INDIA CD 29JAN27 | Financial | Certificate of Deposit | 5.36% |
| IDFC FIRST BANK LIMITED CD 04FEB27 | Financial | Certificate of Deposit | 5.35% |
| Reverse Repo | Unspecified | Reverse Repo | 4.66% |
| MUTHOOT FINANCE LIMITED 7.85 NCD 22FB29 FVRS1LAC | Financial | Debenture | 4.25% |
| HDFC Bank Ltd | Financial | Equity | 2.98% |
Fund management
SH
Shantanu Godambe
Since 2024 · Prior to joining DSP Mutual Fund, he has worked with Yes Bank, Prebon Yamane and ICAP India Private Limited
Mr. Godambehas done B.Com, MS (Finance) and CFA
AB
Abhishek Singh
Since 2021 · Prior to joining DSP Mutual Fund he has worked with EdelCap Securities Limited, Systematic Trading Division. Kotak Securities Limited, Proprietary Trading and Structured Products Division. Kotak Mahindra Investments Limited, Structured Products Division.
Mr. Singh is a B-Tech, IIT Kanpur PGDM, IIM Lucknow
Compare similar funds
No comparable category funds are available yet.
Summary
A moderately high-risk hybrid scheme - conservative hybrid fund. Ahead of its category average over 3Y by 5.2 points. Has fallen sharply before — down -12.0% at its worst.
Strengths
- Ahead of its category average over 3Y by 5.2 points.
- Recovered from its worst fall in 4 months.
- Well spread out — top 10 holdings are only 12% of the portfolio.
- Same fund manager for 6+ years — the strategy has not chopped and changed.
- Ranks 5 of 104 in its category over 1 year.
Weaknesses
- Has fallen sharply before — down -12.0% at its worst.
Ideal investor
- Needs a 2–3+ years horizon to ride out its moderately high risk level.
Risk drivers
- None