Sharpe ratio
0.67Return earned for the risk taken.
Moderate
Moderate risk-adjusted returns. The reward for risk has been average.
+6.49%1Y Absolute Return
+0.00%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 Savings Fund - Direct Plan - GrowthFund 5Y annualised return | ₹8,58,041 | ₹7,32,612 | ₹1,25,429 | +6.55% |
| 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₹1.07
₹1 Lakh since launch₹1.07 Lakh
Fund age13.9 yrs
Fund information
Scheme code119106
ISININF740K01NU2
BenchmarkCRISIL Money Market A-I Index
CategoryDebt Scheme - Money Market Fund
Expense ratio0.18%
Exit loadNil
Minimum SIP₹100 SIP
Return comparison
14th / 186 in category| Period | Fund | Benchmark | Category avg |
|---|---|---|---|
| 1M | +5.51% | — | — |
| 3M | +5.92% | — | — |
| 6M | +7.25% | — | — |
| 1Y | +6.49% | — | +2.65% |
| 3Y | +7.19% | — | +3.43% |
| 5Y | +6.55% | — | +3.19% |
| 10Y | +6.44% | — | — |
| Since Launch | +6.99% | — | — |
Risk-adjusted performance
Every measure is expanded with a plain-language reading of the latest calculated value.
Sortino ratio
1.70Return earned while limiting downside risk.
Good
Good downside protection with strong returns.
Standard deviation
0.55%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
4.15How well the fund rewarded investors relative to its biggest decline.
Excellent
Excellent balance between returns and drawdowns.
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 101 disclosed positions
| Holding | Sector | Instrument type | Weight |
|---|---|---|---|
| GOVERNMENT OF INDIA 36790 364 DAYS TBILL 03DC26 FV RS 100 | Financial | Treasury Bills | 4.15% |
| Small Industries Dev Bank of India (04/02/2027) ** | Financial | Certificate of Deposit | 3.68% |
| PUNJAB NATIONAL BANK CD 12MAR27 | Financial | Certificate of Deposit | 3.66% |
| PANATONE FINVEST LIMITED 364D CP 11JAN27 | Financial | Commercial Paper | 3.35% |
| HDFC BANK LIMITED CD 12MAR27 | Financial | Certificate of Deposit | 2.66% |
| Small Industries Dev Bank of India (18/02/2027) ** | Financial | Certificate of Deposit | 2.34% |
| BANK OF BARODA CD 25NOV26 | Financial | Certificate of Deposit | 2.03% |
| BANK OF BARODA CD 06JAN27 | Financial | Certificate of Deposit | 2.02% |
| NATIONAL BANK FOR AGRICULTURE AND RURAL DEVELOPMENT CD 14JAN27 | Financial | Certificate of Deposit | 2.01% |
| HDFC BANK LIMITED CD 22JAN27 | Financial | Certificate of Deposit | 2.01% |
Fund management
KA
Karan Mundhra
Since 2021 · He is working with DSP Mutual Fund since april 2012, he has Over 9 years of experience.
Mr. Mundra is a B. COM. and Charted Accountant (CA)
SH
Shalini Vasanta
Since 2024 · Prior to joining DSP Mutual Fund, he has worked with ICRA as Senior Analyst
Mr. Vasanta has done BA and MBA (Finance)
Compare similar funds
No comparable category funds are available yet.
Summary
A low to moderate-risk debt scheme - money market fund. Same fund manager for 6+ years — the strategy has not chopped and changed. Worst fall of -1.68% is larger than this category should typically see.
Strengths
- Same fund manager for 6+ years — the strategy has not chopped and changed.
- Ranks 14 of 186 in its category over 1 year.
Weaknesses
- Worst fall of -1.68% is larger than this category should typically see.
Ideal investor
- Suited for a few days to 3 months and emergency or idle cash.
Risk drivers
- None