DSP Equity Savings Fund - Regular Plan - Growth
💡 Why Pick This Fund? Quantitative Strengths & Watch-outs
- Delivered positive returns in 99% of 3-year investment horizons.
- Cost-efficient: expense ratio of 1.96% is lower than category median (2.19%).
- Over 11 years of operational history across different market cycles.
- Equities carry market risk; returns fluctuate and recommended investment horizon is 5+ years.
Key Statistics vs Category Median
Trailing Returns Comparison
| Period | Fund Return | Category Median | Difference |
|---|---|---|---|
| 1 Month | +3.65% | +2.96% | +0.69% |
| 3 Months | +1.96% | +1.17% | +0.79% |
| 6 Months | +3.14% | +3.88% | -0.74% |
| 1 Year | +3.09% | +4.14% | -1.05% |
| 3 Years CAGR | +8.24% | +8.21% | +0.03% |
| 5 Years CAGR | +7.26% | +7.26% | 0.00% |
| 7 Years CAGR | +8.28% | +8.53% | -0.25% |
| 10 Years CAGR | +7.67% | +8.07% | -0.40% |
| Since Inception | +8.02% | - | - |
📈 Monthly SIP vs Bank Fixed Deposit (FD) Replay
See how a regular monthly SIP in DSP Equity Savings Fund compares against a standard 7.0% p.a. Bank Fixed Deposit.
Calendar Year Returns
| Year | Fund | Category Median | Gap |
|---|---|---|---|
| 2026 | +2.38% | +3.40% | -1.02% |
| 2025 | +6.19% | +6.70% | -0.51% |
| 2024 | +12.07% | +11.07% | +1.00% |
| 2023 | +12.20% | +14.27% | -2.07% |
| 2022 | +4.55% | +2.49% | +2.06% |
| 2021 | +12.79% | +12.79% | 0.00% |
| 2020 | +7.76% | +11.09% | -3.33% |
| 2019 | +7.25% | +7.85% | -0.60% |
| 2018 | -1.43% | +1.32% | -2.75% |
| 2017 | +15.46% | +14.67% | +0.79% |
Daily Rolling Returns Summary
| Rolling Window | Minimum | Average | Median | Maximum | % Positive | % Beating Proxy |
|---|---|---|---|---|---|---|
| 1-Year Rolling | -13.26% | +8.08% | +7.52% | +35.30% | 90.3% | - |
| 3-Year Rolling | -1.58% | +8.14% | +8.79% | +15.27% | 98.9% | - |
| 5-Year Rolling | +5.93% | +8.48% | +8.18% | +14.52% | 100.0% | - |
Risk Profile & Deepest Drawdowns
Deepest Market Corrections (Depth >= 10%)
| Peak Date | Trough Date | Fall Depth | Months to Bottom | Recovery Period |
|---|---|---|---|---|
| 2020-02-12 | 2020-03-23 | -19.0% | 1 months | 7 months |
Portfolio & Asset Allocation
Statutory Asset Allocation Mandate (SEBI / SID)
| Instrument Category | Permitted Allocation Range |
|---|---|
| Under normal circumstances, when adequate arbitrage opportunities are available and accessible in the cash and derivative market segment, the asset allocation of the Scheme will be as follows (Table 1): A. Equity & Equity related instruments | 65% - 90% - Of which net long equity exposure: 15% - 40% B. Debt and money market instruments: 10% - 35% C. ETCDs, InvITs, Units of Mutual Fund (including Gold ETF & Silver ETF): 0% - 25% Min Hedged - 25% Min Unhedged - 15% Min Arbitrage - 0% When adequate arbitrage opportunities are not available and accessible in the cash and derivative market segment (Defensive Consideration), the asset allocation of the Scheme will be as follows (Table 2): A. Equity & Equity related instruments: 15%-90% - Of which net long equity exposure: 15% - 40% B. Debt and money market instruments: 10% - 85% C. ETCDs, InvITs, Units of Mutual Fund (including Gold ETF & Silver ETF): 0% - 25% Min Hedged - 0% Min Unhedged - 15% Min Arbitrage - 0% For detailed asset allocation pattern, please refer to the Scheme Information Document |
Investment Objective & Strategy
The investment objective of the Scheme is to generate income through investments in fixed income securities and using arbitrage and other derivative Strategies. The Scheme also intends to generate long-term capital appreciation by investing a portion of the Scheme’s assets in equity and equity related instruments. However, there can be no assurance that the investment objective of the scheme will be achieved.
ℹ️ Detailed monthly stock-level holdings for this scheme are updated periodically from asset management company statutory disclosures.
Fund Size Position
Currently managing Rs 3,068 cr (AMFI Daily Fund AUM as of 2026-11-11). Positioned as stretched relative to Equity Savings schemes.
Fund Management
Cost & Capital Gains Taxation
From April 2026 the total expense ratio includes brokerage, transaction costs and statutory levies on top of the base fee.
Equity-oriented schemes: 20% short-term capital gains tax if sold within 12 months; 12.5% long-term capital gains tax on gains exceeding ₹1.25 lakh per financial year when held for more than 12 months.
Closest Equity Savings Peers by Rank
| Scheme | Score | 3Y Return | Expense | Downside | Fund Size | Compare |
|---|---|---|---|---|---|---|
| Mirae Asset Equity Savings Fund | 6.6 | +9.92% | 1.72% | - | Rs 2,043 cr | Compare → |
| Aditya Birla Sun Life Equity Savings Fund | 4.5 | +7.88% | 1.68% | - | Rs 1,155 cr | Compare → |
| HSBC Equity Savings Fund | 7.0 | +12.36% | 2.37% | - | Rs 1,676 cr | Compare → |
| Kotak Equity Savings Fund | 6.3 | +9.02% | 2.12% | - | Rs 10,417 cr | Compare → |
| Edelweiss Equity Savings Fund | 7.2 | +10.38% | 2.10% | - | Rs 1,816 cr | Compare → |
Frequently Asked Questions about DSP Equity Savings Fund
What is the expense ratio of DSP Equity Savings Fund?
DSP Equity Savings Fund has a total expense ratio (TER) of 1.96% with a base expense ratio of 1.33%, compared to the Equity Savings category median of 2.19%.
Who manages DSP Equity Savings Fund?
DSP Equity Savings Fund is managed by Abhishek Singh.
What are the historical returns of DSP Equity Savings Fund?
DSP Equity Savings Fund delivered a 3-year CAGR of 8.24% and a 5-year CAGR of 7.26%. Its 1-year return stands at +3.09%.
How large is DSP Equity Savings Fund?
DSP Equity Savings Fund manages assets of Rs 3,068 cr, placing it in the 'stretched' size band relative to Equity Savings peers.
How is DSP Equity Savings Fund scored on MFIQ?
DSP Equity Savings Fund holds an MFIQ Score of 4.8/10 (Weak), based on a category percentile composite across returns, risk, consistency, and cost.
How risky is DSP Equity Savings Fund?
DSP Equity Savings Fund has an official SEBI riskometer rating of Very High. Over the analyzed period, its annualized standard deviation is 3.56% with a maximum historical drawdown of -19.03%.