DSP Regular Savings Fund - Debt Oriented Hybrid Fund

This scheme		CRISIL Hybr…	CRISIL 1 Ye…	Gold	PPF
NA	vs	NA	NA	NA	NA
NA	vs	NA	NA	NA	NA

	This scheme	CRISIL Hybr… ^#	CRISIL 1 Ye… ^#	Gold	PPF
# Returns do not reflect any dividend distribution

	1 Year	3 Years	5 Years	10 Years
# Rolling returns have been calculated based on returns from regular plan growth option.

Comparative performance of DSP Regular Savings Fund as of
	DSP Regular Savings Fun…	CRISIL Hybr… ^{^}	CRISIL 1 Ye… ^#
Date of allotment: Jan 01, 2013. Period for which scheme's performance has been provided is computed basis last day of the month-end preceding the date of advertisement Different plans shall have a different expense structure. The performance details provided herein are of Direct Plan. Since inception returns have been calculated from the date of allotment till June 28, 2013 See all funds managed by Vinit Sambre » See all funds managed by Resham Jain » See all funds managed by Vikram Chopra » See all funds managed by Jay Kothari » Past performance may or may not be sustained in future and should not be used as a basis for comparison with other investments ^ Scheme Benchmark # Standard Benchmark

Top 5 stocks by holding
Name	% of Net Assets
HDFC BANK LTD	2.14%
INFOSYS LTD	2.08%
MAX FINANCIAL SERVICES LTD	2.04%
CIPLA LTD/INDIA	1.94%
TATA CONSULTANCY SERVICES LTD	1.44%
See detailed equity holdings »

Top 5 instruments by holding
Name	% of Net Assets
TREPS / REVERSE REPO INVESTMENTS / CORPORATE DEBT REPO	9.34%
7.32% GOI 28012024	8.37%
NATIONAL BANK FOR AGRICULTURE AND RURAL DEVELOPMENT	8.3%
KKR INDIA FINANCIAL SERVICES PRIVATE LIMITED	7.37%
POWER GRID CORPORATION OF INDIA LIMITED	5.86%
See detailed debt holdings »

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Vinit Sambre

Vinit is Head - Equities at DSP Investment Managers (DSPIM). Vinit joined DSPIM in July 2007, as Portfolio Analyst for the firm's Portfolio Management Services (PMS) division, which manages discretionary accounts and provides advisory services to institutional clients. As a research analyst, his focus was on sectors like Pharmaceuticals, Power Utilities, Chemicals, Fertilizers and Textiles. Vinit specializes in the small and mid cap space and has over 16 years of relevant work experience.
Previously, he was with DSP Merrill Lynch as a part of its Global Private Client business. He spent 20 months at DSP Merrill Lynch as Equity Strategist. Prior to DSP Merrill Lynch, he was employed with IL&FS Investsmart Limited as an Equity Analyst in their PMS division. He has also worked with UTI Investment Advisory Services as Equity Analyst for the offshore fund - India Growth Fund. Vinit is a Chartered Accountant from Institute of Chartered Accountant of India.

Note:
Gopal Agrawal managed the Schemes (i.e. DSP Top 100 Equity Fund, DSP Focus Fund, DSP Equity Savings Fund and DSP Regular Savings Fund) till May 31, 2020. Mr. Vinit Sambre is managing Schemes From June 1, 2020. (i.e. DSP Top 100 Equity Fund, DSP Focus Fund, DSP Equity Savings Fund and DSP Regular Savings Fund) with effect from June 1, 2020.

All Funds managed by Vinit Sambre
Sr. No.	Period	1 Year		3 Years		5 Years
Period for which scheme's performance has been provided is computed basis last day of the month-end preceding the date of advertisement Different plans shall have a different expense structure. The performance details provided herein are of regular plan. Past performance may or may not be sustained in future and should not be used as a basis for comparison with other investments

Resham Jain

Resham joined DSP Investment Managers in March 2016 as Assistant Vice President in Equity Income Team. He has over 9 years of experience. Prior to joining DSP Investment Managers, he worked for B&K Securities (I) Private Limited, Jaihind Projects Ltd & Arvind Ltd.

All Funds managed by Resham Jain
Sr. No.	Period	1 Year		3 Years		5 Years
Period for which scheme's performance has been provided is computed basis last day of the month-end preceding the date of advertisement Different plans shall have a different expense structure. The performance details provided herein are of regular plan. Past performance may or may not be sustained in future and should not be used as a basis for comparison with other investments

Vikram Chopra

Vikram joined DSP Investment Managers from L&T Investment Management and brings with him over 14 years of investment experience. He has also previously worked with Fidelity, IDBI Bank and Axis Bank Ltd.

All Funds managed by Vikram Chopra
Sr. No.	Period	1 Year		3 Years		5 Years
Period for which scheme's performance has been provided is computed basis last day of the month-end preceding the date of advertisement Different plans shall have a different expense structure. The performance details provided herein are of regular plan. Past performance may or may not be sustained in future and should not be used as a basis for comparison with other investments

Jay Kothari

Jay Kothari, Vice President & Product Strategist -Jay has been with DSP Investment Managers since May 2005, and has been with the Investment function since January 2011. Jay joined the firm as a member of the Sales team (Banking) in May 2005. Prior to joining DSPIM, Jay worked for Standard Chartered Bank for a year in the Priority Banking division. Jay completed his Bachelor of Management Studies (Finance & International Finance) from Mumbai University, followed by an MBA in Finance from Mumbai University.
Jay is currently the Dedicated Fund Manager for overseas investments for the following schemes of DSP Mutual Fund.

All Funds managed by Jay Kothari
Sr. No.	Period	1 Year		3 Years		5 Years
Period for which scheme's performance has been provided is computed basis last day of the month-end preceding the date of advertisement Different plans shall have a different expense structure. The performance details provided herein are of regular plan. Past performance may or may not be sustained in future and should not be used as a basis for comparison with other investments

Asset Allocation for Regular Savings Fund

Debt & Money Market Securities 75% - 90%
Equity & equity related instruments 10% - 25%
Units of REITs & InvITs 0% - 10%

Equity holdings for Regular Savings Fund

Pharmaceuticals
3.8%

Name	% of Net Assets
CIPLA LIMITED	1.94%
IPCA LABORATORIES LIMITED	1.13%
JB CHEMICALS & PHARMACEUTICALS LIMITED	0.73%

19.8% of Equity and equity related securities

Finance
3.59%

Name	% of Net Assets
MAX FINANCIAL SERVICES LIMITED	2.04%
ICICI LOMBARD GENERAL INSURANCE COMPANY LIMITED	0.99%
HDFC LIFE INSURANCE COMPANY LIMITED	0.56%

18.7% of Equity and equity related securities

Software
3.52%

Name	% of Net Assets
INFOSYS LIMITED	2.08%
TATA CONSULTANCY SERVICES LIMITED	1.44%

18.3% of Equity and equity related securities

Consumer Durables
3.02%

Name	% of Net Assets
VOLTAS LIMITED	1.24%
V-GUARD INDUSTRIES LIMITED	1.02%
CROMPTON GREAVES CONSUMER ELECTRICALS LIMITED	0.76%

15.7% of Equity and equity related securities

Banks
2.14%

Name	% of Net Assets
HDFC BANK LIMITED	2.14%

11.1% of Equity and equity related securities

Consumer Non Durables
1.6%

Name	% of Net Assets
DABUR INDIA LIMITED	0.85%
HATSUN AGRO PRODUCT LIMITED	0.75%

8.3% of Equity and equity related securities

Cement
0.58%

Name	% of Net Assets
ULTRATECH CEMENT LIMITED	0.58%

3% of Equity and equity related securities

Gas
0.41%

Name	% of Net Assets
GUJARAT STATE PETRONET LIMITED	0.41%

2.1% of Equity and equity related securities

Services
0.34%

Name	% of Net Assets
QUESS CORP LIMITED	0.34%

1.8% of Equity and equity related securities

Industrial Products
0.2%

Name	% of Net Assets
WIM PLAST LTD.	0.2%

1% of Equity and equity related securities

Debt holdings for Regular Savings Fund

Bonds & NCDs57.56%

Name	Rating	% of Net Assets
NATIONAL BANK FOR AGRICULTURE AND RURAL DEVELOPMENT	CRISIL AAA	8.3%
KKR INDIA FINANCIAL SERVICES LTD	CRISIL AA	7.37%
POWER GRID CORP OF INDIA LTD	CRISIL AAA	5.86%
NATIONAL HIGHWAYS AUTHORITY OF INDIA	CRISIL AAA	5.74%
REC LTD	CRISIL AAA	5.72%
INDIAN OIL CORP LTD	CRISIL AAA	5.67%
HINDUSTAN PETROLEUM CORP LTD	CRISIL AAA	3.97%
EXPORT-IMPORT BANK OF INDIA	CRISIL AAA	3.05%
GAIL INDIA LTD	CARE AAA	2.91%
EXPORT-IMPORT BANK OF INDIA	CRISIL AAA	2.84%
EXPORT-IMPORT BANK OF INDIA	CRISIL AAA	2.61%
POWER GRID CORP OF INDIA LTD	CRISIL AAA	2.21%
NTPC LTD	CRISIL AAA	1.31%

71.2% of Debt instruments

Government Securities (Central/State)13.97%

Name	Rating	% of Net Assets
7.32% GOI 28012024	SOV	8.37%
7.59% GOI 11012026	SOV	2.85%
6.18% GOI 04112024	SOV	2.75%

17.3% of Debt instruments

TREPS9.34%

Name	Rating	% of Net Assets
TREPS / REVERSE REPO INVESTMENTS / CORPORATE DEBT REPO	--	9.34%

11.5% of Debt instruments

DSP Regular Savings Fund presentation

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The primary Investment objective of the scheme is to seek to generate income, consistent with prudent risk, from a portfolio which is substantially constituted of quality debt securities. The Scheme will also seek to generate capital appreciation by investing a smaller portion of its corpus in equity and equity related securities of issuers domiciled in India.
There is no assurance that the investment objective of the Scheme will be realized

For lumpsum investments, if the investment period is less than 1 year then same return values are displayed for absolute & XIRR. For periods above 1 year, they are annualized. 1 Year is assumed as 365 days.
Returns for investments in dividend plans of schemes are calculated after assuming that the net dividend payouts post statutory taxes & levies, are re-invested back in the scheme.
Dividends declared from benchmark's constituents isn't taken into account when comparing with investment in scheme's dividend plans.
Performance is always compared against the latest benchmark of the scheme irrespective of the date of change of scheme's benchmark, if any.
Except when SIP tenure is since inception, for all tenures, the start day for SIP investments is considered as 1st of every month. There is no end date to SIPs for the purpose of graphs.
For the purpose of NAV date applicability, if the investment date happens to be a non-business day, next business day's NAV is applied. Investment on inception date can happen on a non-business day.
Gold prices are available post 29 JAN, 2005 & are based on daily closing values on MCX.
Investment in gold has a strong global market demand and gold is highly liquid asset.
PPF interest rate is assumed at 8.7% p.a. & interest received is compounded daily for the returns illustration in the charts.
The comparison with PPF (and other traditional saving instruments/assets) has been given for the purpose of the general information only. Investments in mutual funds should not be construed as a promise, guarantee on or a forecast of any minimum returns. Unlike traditional saving instruments there is no capital protection guarantee or assurance of any return in mutual fund investment. Traditional savings instruments are comparatively low risk products and are generally backed by the Government. Investment in mutual funds carries high risk as compared to the traditional saving instruments and any investment decision needs to be taken only after consulting the Tax Consultant or Mutual Fund Distributor.

DSP Regular Savings Fund
Plan type

Risk:

Age:

AUM:

Horizon:

Goal:

Benchmark:

Performance

Vinit Sambre

Resham Jain

Vikram Chopra

Jay Kothari

Historical Returns

Portfolio as of Jan 31, 2021

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Performance

Historical Returns

Portfolio as of Jan 31, 2021

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Vinit Sambre

Resham Jain

Vikram Chopra

Jay Kothari

Asset Allocation for Regular Savings Fund

Equity holdings for Regular Savings Fund

Pharmaceuticals 3.8%

Finance 3.59%

Software 3.52%

Consumer Durables 3.02%

Banks 2.14%

Consumer Non Durables 1.6%

Cement 0.58%

Gas 0.41%

Services 0.34%

Industrial Products 0.2%

Debt holdings for Regular Savings Fund

Bonds & NCDs57.56%

Government Securities (Central/State)13.97%

TREPS9.34%

DSP Regular Savings Fund presentation

Mobile Number

Email Address

Pharmaceuticals
3.8%

Finance
3.59%

Software
3.52%

Consumer Durables
3.02%

Banks
2.14%

Consumer Non Durables
1.6%

Cement
0.58%

Gas
0.41%

Services
0.34%

Industrial Products
0.2%