Sharpe ratio
0.48Return earned for the risk taken.
Moderate
Moderate risk-adjusted returns. The reward for risk has been average.
+3.35%1Y Absolute Return
-0.43%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 Equity Savings Fund - Direct Plan - GrowthFund 5Y annualised return | ₹8,90,216 | ₹7,32,612 | ₹1,57,604 | +8.03% |
| 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₹1.09
₹1 Lakh since launch₹1.09 Lakh
Fund age10.6 yrs
Fund information
Scheme code136567
ISININF740KA1504
BenchmarkNIFTY Equity Savings TRI
CategoryHybrid Scheme - Equity Savings
Expense ratio1.10%
Exit loadNil
Minimum SIP₹100 SIP
Return comparison
39th / 131 in category| Period | Fund | Benchmark | Category avg |
|---|---|---|---|
| 1M | +47.72% | — | — |
| 3M | +7.57% | — | — |
| 6M | +6.52% | — | — |
| 1Y | +3.35% | — | +1.29% |
| 3Y | +9.00% | — | +5.55% |
| 5Y | +8.03% | — | +4.44% |
| 10Y | +8.92% | — | — |
| Since Launch | +9.26% | — | — |
Risk-adjusted performance
Every measure is expanded with a plain-language reading of the latest calculated value.
Sortino ratio
0.67Return earned while limiting downside risk.
Moderate
Moderate downside risk-adjusted performance.
Standard deviation
3.87%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
0.49How well the fund rewarded investors relative to its biggest decline.
Low
Returns have been modest compared 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
Portfolio100%
Hedged Equity37.58%
Equity32.49%
Debt26.05%
Cash3.62%
Real Estate0.26%
Market cap allocation
Sector allocation
Equity exposure by sector
Top holdings
10 of 164 disclosed positions
| Holding | Sector | Instrument type | Weight |
|---|---|---|---|
| Cash Margin | Unspecified | Cash Margin | 38.8% |
| HDFC Bank Ltd | Financial | Equity | 4.97% |
| ICICI Bank Ltd | Financial | Equity | 3.57% |
| Axis Bank Ltd Futures | Financial | Futures | 3.24% |
| Reliance Industries Ltd Futures | Energy & Utilities | Futures | 2.97% |
| HDFC BANK LTD.^ | Financial | Futures | 2.89% |
| CENTRAL GOVERNMENT LOAN 23277 GOI 22SP33 FLT FV RS 100 | Entities | GOI Securities Floating Rate Bond | 2.56% |
| Cipla Ltd | Healthcare | Equity | 2.32% |
| Reverse Repo | Unspecified | Reverse Repo | 2.27% |
| Vodafone Idea Ltd Futures | Technology | Futures | 2.24% |
Fund management
KA
Kaivalya Nadkarni
Since 2024 · Prior to joining DSP Mutual Fund, she has worked with ICICI Prudential MF, RSN & Company and G.M.Kapadia & Co
Ms. Nadkarni has done B.Com, CA, CS and CFA
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 moderate-risk hybrid scheme - equity savings fund. Ahead of its category average over 3Y by 3.5 points. Has fallen sharply before — down -18.9% at its worst.
Strengths
- Ahead of its category average over 3Y by 3.5 points.
- Well spread out — top 10 holdings are only 17% of the portfolio.
- Same fund manager for 6+ years — the strategy has not chopped and changed.
Weaknesses
- Has fallen sharply before — down -18.9% at its worst.
Ideal investor
- Needs a 2–3+ years horizon to ride out its moderate risk level.
Risk drivers
- None