{"id":12442,"date":"2025-05-13T10:18:00","date_gmt":"2025-05-13T10:18:00","guid":{"rendered":"https:\/\/shoonya.com\/blog\/?p=12442"},"modified":"2025-05-13T10:18:01","modified_gmt":"2025-05-13T10:18:01","slug":"dsp-equity-savings-fund-direct-growth","status":"publish","type":"post","link":"https:\/\/shoonya.com\/blog\/dsp-equity-savings-fund-direct-growth\/","title":{"rendered":"DSP Equity Savings Fund Direct-Growth: Worth Investing?"},"content":{"rendered":"<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_87 counter-hierarchy ez-toc-counter ez-toc-custom ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\"><p class=\"ez-toc-title\" style=\"cursor:inherit\"><\/p>\n<\/div><nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/shoonya.com\/blog\/dsp-equity-savings-fund-direct-growth\/#DSP_Equity_Savings_Fund_Direct-Growth_Fund_Management_and_Objectives\" >DSP Equity Savings Fund Direct-Growth Fund Management and Objectives<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/shoonya.com\/blog\/dsp-equity-savings-fund-direct-growth\/#Performance_and_Returns_As_of_9_May_2025\" >Performance and Returns (As of 9 May 2025)&nbsp;<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/shoonya.com\/blog\/dsp-equity-savings-fund-direct-growth\/#Investment_Allocation_As_of_31_March_2025\" >Investment Allocation (As of 31 March 2025)<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/shoonya.com\/blog\/dsp-equity-savings-fund-direct-growth\/#Risk_and_Performance_of_the_DSP_Equity_Savings_Fund\" >Risk and Performance of the DSP Equity Savings Fund&nbsp;<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/shoonya.com\/blog\/dsp-equity-savings-fund-direct-growth\/#Taxation_for_DSP_Equity_Savings_Fund\" >Taxation for DSP Equity Savings Fund&nbsp;<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/shoonya.com\/blog\/dsp-equity-savings-fund-direct-growth\/#How_to_Invest_in_DSP_Equity_Savings_Fund_Direct\" >How to Invest in DSP Equity Savings Fund Direct?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/shoonya.com\/blog\/dsp-equity-savings-fund-direct-growth\/#Why_Invest_in_the_DSP_Equity_Savings_Fund\" >Why Invest in the DSP Equity Savings Fund?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/shoonya.com\/blog\/dsp-equity-savings-fund-direct-growth\/#Suitability_of_this_Fund_Who_Should_Invest\" >Suitability of this Fund| Who Should Invest?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/shoonya.com\/blog\/dsp-equity-savings-fund-direct-growth\/#Conclusion\" >Conclusion<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/shoonya.com\/blog\/dsp-equity-savings-fund-direct-growth\/#DSP_Equity_Savings_Fund_Direct-Growth_Plan_FAQs\" >DSP Equity Savings Fund Direct-Growth Plan | FAQs<\/a><\/li><\/ul><\/nav><\/div>\n<div class=\"yoast-breadcrumbs\"><span><span><a href=\"https:\/\/shoonya.com\/blog\/\">Home<\/a><\/span> \u00bb <span><a href=\"https:\/\/shoonya.com\/blog\/investing\/\">Investing<\/a><\/span> \u00bb <span><a href=\"https:\/\/shoonya.com\/blog\/investing\/mutual-funds\/\">Mutual Funds<\/a><\/span> \u00bb <span class=\"breadcrumb_last\" aria-current=\"page\"><strong>DSP Equity Savings Fund Direct-Growth: Worth Investing?<\/strong><\/span><\/span><\/div>\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">For investors seeking both income generation from their investments along capital appreciation, the hybrid funds are the best. While the equity portion helps in generating the wealth over time, the debt portion, cash, and cash equivalents will help in creating regular income.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">This article will be around <strong>DSP Equity Savings Fund &#8211; Direct Plan-Growth<\/strong>, which is one such hybrid fund. We will talk about the performance, risks, objectives, and a lot of other aspects of this fund which as an investor you should know before investing in it.&nbsp;<\/p>\n\n\n\n\n\n<p class=\"wp-block-paragraph\"><strong><em><a href=\"https:\/\/shoonya.com\/open-an-account\/?utm_source=blog&amp;utm_medium=organic&amp;utm_campaign=cta\" target=\"_blank\" rel=\"noreferrer noopener\"><mark style=\"background-color:rgba(0, 0, 0, 0);color:#d79b30\" class=\"has-inline-color\">Excited about investing in the DSP Equity Savings Fund? Open a free Demat account today!<\/mark><\/a><\/em><\/strong><\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"0-dsp-equity-savings-fund-direct-growth-fund-management-and-objectives\"><span class=\"ez-toc-section\" id=\"DSP_Equity_Savings_Fund_Direct-Growth_Fund_Management_and_Objectives\"><\/span>DSP Equity Savings Fund Direct-Growth Fund Management and Objectives<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>DSP Equity Savings Fund Direct-Growth<\/strong> invests in fixed income securities for income generation, along with arbitrage and other strategies involving derivatives. On the other hand, it helps in wealth accumulation over time with equity and equity-related investments.&nbsp;&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">As this is an equity-savings fund, it usually invests around one-third of the asset under management (AUM) in each of the asset classes; however, it is at the discretion of the fund manager how he sees the market performing.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>DSP Equity Savings Fund Direct Plan-Growth <\/strong>is managed by \u2013&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Kaivalya Nadkarni: <\/strong>She has been managing this fund since October 2024. She has been associated with ICICI Prudential MF, G.M. Kapadia &amp; Co., and RSN &amp; Company before joining DSP Mutual Fund. She holds a CA, CS, and a CFA as well as a Bachelor&#8217;s in Commerce.<\/li>\n\n\n\n<li><strong>Shantanu Godambe: <\/strong>He has been associated with the<strong> <\/strong>fund since August 2024, and before joining DSP Mutual Fund, he was working with Yes Bank, ICAP India Private Ltd., and Prebon Yamane. He is a Bachelor&#8217;s in Commerce, and a postgraduate with Finance, and holds the prestigious CFA charter as well.\u00a0<\/li>\n\n\n\n<li><strong>Abhishek Singh:<\/strong> He has been managing this fund since 2021, and he has one of the highest experiences in the market. He was associated with EdelCap Securities Ltd., Kotak Securities, where he was in the Proprietary Trading and Structured Products Division earlier. He holds a Bachelor&#8217;s in Technology, a postgraduate degree from IIT, and an IIM as well.\u00a0<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>How Does the DSP Equity Savings Fund Work?<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>DSP Equity Savings Fund<\/strong> works on the nature of the asset classes. So, equity is more volatile, offers higher returns, while debt instruments offer stable returns, which help in income generation, while equities help in long-term capital appreciation. So, when you put these together, they can help in diversification of the portfolio and help in risk mitigation, and that is how this fund works. Here, they also apply derivative strategies and arbitrage strategies to earn more income.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">While the equity portion of the fund helps in generating higher returns for capital accumulation, the debt instruments try to offer an income source and more stability to the fund.&nbsp;&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The fund manager decides how much allocation will be in which asset class, depending on the market scenario.&nbsp;&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"1-performance-and-returns-as-of-9-may-2025-\"><span class=\"ez-toc-section\" id=\"Performance_and_Returns_As_of_9_May_2025\"><\/span>Performance and Returns (As of 9 May 2025)&nbsp;<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>DSP Equity Savings Fund Direct-Growth <\/strong>has been offering a consistent return over time, especially in the medium term. Here is a snapshot of the returns and comparison with its peers.&nbsp;<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><td><strong>Time Frame<\/strong><\/td><td><strong>DSP Equity Savings Fund Direct-Growth (%)<\/strong><\/td><td><strong>Category Average&nbsp;<\/strong><\/td><\/tr><tr><td>6 Month<\/td><td>2.71<\/td><td>1.81<\/td><\/tr><tr><td>3 Month<\/td><td>2.39<\/td><td>1.50<\/td><\/tr><tr><td>1 Month<\/td><td>1.71<\/td><td>2.32<\/td><\/tr><tr><td>1 Day<\/td><td>-0.31<\/td><td>-0.27<\/td><\/tr><tr><td>YTD<\/td><td>2.81<\/td><td>1.04<\/td><\/tr><tr><td>1 Year<\/td><td>12.32<\/td><td>9.12<\/td><\/tr><tr><td>3 Year<\/td><td>11.58<\/td><td>11.05<\/td><\/tr><tr><td>5 Year<\/td><td>14.33<\/td><td>12.94<\/td><\/tr><tr><td>7 Year<\/td><td>9.51<\/td><td>9.11<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">So, from the above table it can be understood that the fund has been offering not only consistent returns over time however it is also offering returns way higher than the category average especially between one year to three years timeline.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"2-investment-allocation-as-of-31-march-2025\"><span class=\"ez-toc-section\" id=\"Investment_Allocation_As_of_31_March_2025\"><\/span>Investment Allocation (As of 31 March 2025)<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">The <strong>DSP Equity Savings Fund Growth<\/strong> has 31.19% equity and equity related instruments, while 26.53% is debt instruments, and 39.45% is cash and cash equivalents and a small portion of real estate, around 2.83%.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Market cap-wise asset allocation&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Giant Cap \u2013 66.33%<\/li>\n\n\n\n<li>Large Cap \u2013 21.14%<\/li>\n\n\n\n<li>Mid-cap \u2013 10.24%<\/li>\n\n\n\n<li>Small-cap \u2013 2.29%<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Debt Instruments&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Cash Equivalent \u2013 39.45%<\/li>\n\n\n\n<li>AAA Rating \u2013 10.94%<\/li>\n\n\n\n<li>Sovereign Bonds \u2013 14.56%<\/li>\n\n\n\n<li>AA Bonds \u2013 1.03%<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">As of 31 March 2025, the fund had an average market cap of \u20b9258835 crore, and it spans across 98 stocks and 23 bonds. The top 10 holdings make up 31.15% of its assets.\u00a0<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Sectoral Allocation&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The fund invests across sectors, offering a well-diversified portfolio. Here are the top five sectors as of 31 March 2025 &#8211;&nbsp;<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><td><strong>Sectors&nbsp;<\/strong><\/td><td><strong>Allocation (%)<\/strong><\/td><\/tr><tr><td>Financial Services&nbsp;<\/td><td>14.97<\/td><\/tr><tr><td>Energy &amp; Utilities<\/td><td>4.18<\/td><\/tr><tr><td>Consumer Discretionary&nbsp;<\/td><td>4.13<\/td><\/tr><tr><td>Healthcare<\/td><td>2.93<\/td><\/tr><tr><td>Technology<\/td><td>2.07<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">Stock-wise Allocation&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The top five stocks of the DSP Equity Savings Fund include <strong>\u2013&nbsp;<\/strong><\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><td><strong>Stocks<\/strong><\/td><td><strong>Assets (%)<\/strong><\/td><\/tr><tr><td>HDFC Bank<\/td><td>6.91<\/td><\/tr><tr><td>Reliance Industries&nbsp;&nbsp;<\/td><td>3.59<\/td><\/tr><tr><td>ICICI Bank&nbsp;<\/td><td>3.20<\/td><\/tr><tr><td>Adani Enterprise&nbsp;<\/td><td>3.08<\/td><\/tr><tr><td>Axis Bank<\/td><td>2.86<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">The top five debt holdings of the DSP Equity Savings Fund include <strong>\u2013&nbsp;<\/strong><\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><td><strong>Stocks<\/strong><\/td><td><strong>Assets (%)<\/strong><\/td><\/tr><tr><td>GOI Sec 7.38 20\/06\/2027<\/td><td>2.69<\/td><\/tr><tr><td>Maharashtra State SDL 7.11 08\/01\/2038&nbsp;<\/td><td>2.45<\/td><\/tr><tr><td>Power Finance Corporation Ltd. SR 248B Bonds 7.45<\/td><td>2<\/td><\/tr><tr><td>HDFC Bank Ltd. 10\/10\/2025<\/td><td>1.91<\/td><\/tr><tr><td>Brookfield REIT<\/td><td>1.47<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Key Metrics&nbsp;<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">As of 31 March 2025, the fund had an expense ratio of 0.41%, which is quite lower than the category average of 0.77%.<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><td><strong>Fund Details<\/strong><\/td><td><strong>Information<\/strong><\/td><\/tr><tr><td><strong>AUM (Assets Under Management)<\/strong><\/td><td>\u20b92517 Crore as of 31 March 2025<\/td><\/tr><tr><td><strong>Category<\/strong><\/td><td>Hybrid Fund, open-ended<\/td><\/tr><tr><td><strong>Fund Manager<\/strong><\/td><td>Kaivalya Nadkarni, Shantanu Godambe, Abhishek Singh<\/td><\/tr><tr><td><strong>Exit Load<\/strong><\/td><td>Nil<\/td><\/tr><tr><td><strong>Entry Load<\/strong><\/td><td>Nil<\/td><\/tr><tr><td><strong>Minimum Investment<\/strong><\/td><td>\u20b9100 (Lump sum)\u20b9100 (SIP)<\/td><\/tr><tr><td><strong>Benchmark<\/strong><\/td><td>Nifty Equity Savings TRI<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">The <strong>DSP Equity Savings Fund NAV <\/strong>as of<strong> <\/strong>9 May 2025 stood at \u20b924.0620.&nbsp;&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"3-risk-and-performance-of-the-dsp-equity-savings-fund-\"><span class=\"ez-toc-section\" id=\"Risk_and_Performance_of_the_DSP_Equity_Savings_Fund\"><\/span>Risk and Performance of the DSP Equity Savings Fund&nbsp;<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">This fund is classified as a \u2018Moderately High Risk\u2019 fund. It usually offers a higher return than debt funds, but also holds a risk quotient like equity funds.<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>Standard Deviation (Std Dev% %): <\/strong>It shows how much the returns vary from the average returns generated by the funds themselves. The higher this number, the more it fluctuates.<\/li>\n<\/ol>\n\n\n\n<p class=\"wp-block-paragraph\">The Standard deviation for the fund is 4.16%, while that of the category is a little higher at 4.86%, making the fund\u2019s returns less fluctuating.<\/p>\n\n\n\n<ol start=\"2\" class=\"wp-block-list\">\n<li><strong>Beta: <\/strong>This ratio indicates the volatility of the fund\u2019s performance, compared to similar funds in the market. The lower the Beta, the more predictable the returns are, and vice versa. It helps in comparing funds.\u00a0<\/li>\n<\/ol>\n\n\n\n<p class=\"wp-block-paragraph\">The fund has 0.49% as beta, while that of the category is 0.55%, again depicting lower volatility for the fund compared to the peers.&nbsp;<\/p>\n\n\n\n<ol start=\"3\" class=\"wp-block-list\">\n<li><strong>Sharpe Ratio: <\/strong>This ratio indicates the return you get for the risk you&#8217;re taking. A higher number means better risk-adjusted returns.<\/li>\n<\/ol>\n\n\n\n<p class=\"wp-block-paragraph\">The fund has 1.11% while the category average is 0.82%.<\/p>\n\n\n\n<ol start=\"4\" class=\"wp-block-list\">\n<li><strong>Sortino Ratio: <\/strong>It is similar to Sharpe but only looks at downside risk (the risk of losing money).<\/li>\n<\/ol>\n\n\n\n<p class=\"wp-block-paragraph\">The fund has 2.53% while the category average is 1.33%.&nbsp;&nbsp;<\/p>\n\n\n\n<ol start=\"5\" class=\"wp-block-list\">\n<li><strong>Alpha: <\/strong>It measures<strong> <\/strong>the extra return the fund gives above the market&#8217;s average return.<\/li>\n<\/ol>\n\n\n\n<p class=\"wp-block-paragraph\">The fund has 2.58%, and the category average is 1.64%.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"4-taxation-for-dsp-equity-savings-fund-\"><span class=\"ez-toc-section\" id=\"Taxation_for_DSP_Equity_Savings_Fund\"><\/span>Taxation for DSP Equity Savings Fund&nbsp;<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">If you&#8217;re investing in the <strong>DSP Equity Savings Fund<\/strong>, here&#8217;s how your returns will be taxed:<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>Short-Term Gains<\/strong> &#8211; If you sell the fund units within 1 year of the date of investment, a 20% tax will be levied on the entire return generated during the period.\u00a0<\/li>\n\n\n\n<li><strong>Long-Term Gains<\/strong> &#8211; If you sell the fund units after one year, any profit generated over and above \u20b91.25 lakh will be taxable at a 12.5% rate. The same rate will be applicable for any investment tenure above 1 year.\u00a0<\/li>\n<\/ol>\n\n\n\n<p class=\"wp-block-paragraph\"><strong><em>So, the longer you hold your investments, the better returns you can expect and the less the effect of taxes!<\/em><\/strong><\/p>\n\n\n\n<ol start=\"3\" class=\"wp-block-list\">\n<li><strong>Taxes on Dividends<\/strong> \u2013 Dividends earned, if any, will be taxable in the hands of investors as per their tax slabs. If the dividend income surpasses \u20b910000 in a financial year, then the fund house will deduct 10% TDS before disbursing the dividend into the account of the investor.\u00a0<\/li>\n<\/ol>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Minimum Investment and Lock-in Period<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The minimum investment amount in the <strong>DSP Equity Savings Fund<\/strong><strong><em> <\/em><\/strong>is \u20b9100 for lump sum and SIP, which is \u20b9100. There is no lock-in period for the <strong>DSP Equity Savings Fund Direct-Growth<\/strong>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"5-how-to-invest-in-dsp-equity-savings-fund-direct\"><span class=\"ez-toc-section\" id=\"How_to_Invest_in_DSP_Equity_Savings_Fund_Direct\"><\/span>How to Invest in DSP Equity Savings Fund Direct?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">You can invest in the <strong>DSP Equity Savings Fund &#8211; Direct Growth<\/strong> plan with Shoonya.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Shoonya offers a free Demat account,&nbsp; Zero brokerage trading, advanced trading tools, 100+ technical indicators, and much more!<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Investing in Lump Sum Mutual Funds through the Shoonya Web Platform<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Here\u2019s a quick guide on how to invest in lump sum mutual funds through the Shoonya web platform:<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li>First, you must log in to your Shoonya account at <a href=\"https:\/\/trade.shoonya.com\/\" target=\"_blank\" rel=\"noreferrer noopener\"><mark style=\"background-color:rgba(0, 0, 0, 0);color:#d79b30\" class=\"has-inline-color\">https:\/\/trade.shoonya.com\/<\/mark><\/a>. From the &#8220;Orders&#8221; section, click on &#8220;MF order.&#8221;<\/li>\n\n\n\n<li>Search for the fund you wish to invest in; in this case, the DSP Equity Savings Fund &#8211; Direct Growth plan.<\/li>\n\n\n\n<li>Choose &#8220;Fresh&#8221; for a new investment and enter the amount you want to invest.<\/li>\n\n\n\n<li>You can complete your purchase by clicking the &#8220;Purchase&#8221; button.<\/li>\n\n\n\n<li>You will receive a payment link on your registered email. Use the link to make the payment.<\/li>\n<\/ol>\n\n\n\n<p class=\"wp-block-paragraph\">After payment, your mutual fund units will be allotted to your Demat account within T+2 days.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Note:<\/strong> You can only make the payment using the bank account registered with your Demat account.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Setting Up an SIP for Mutual Funds<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">If you prefer a <strong>Systematic Investment Plan<\/strong> (SIP) for DSP Equity Savings Fund Direct Plan-Growth plan, you must follow these steps:<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li>First, you need to log in to your Shoonya account at <a href=\"https:\/\/trade.shoonya.com\/\" target=\"_blank\" rel=\"noreferrer noopener\"><mark style=\"background-color:rgba(0, 0, 0, 0);color:#d79b30\" class=\"has-inline-color\">https:\/\/trade.shoonya.com\/<\/mark><\/a><a href=\"https:\/\/trade.shoonya.com\/\">.<\/a> Go to &#8220;Orders&#8221; and click on &#8220;XSIP.&#8221;<\/li>\n\n\n\n<li>Find the mutual fund for which you want to set up an SIP. In this case, the DSP Equity Savings Fund &#8211; Direct Growth plan.<\/li>\n\n\n\n<li>If this is your first SIP with Shoonya, you need to create a Mandate ID.\u00a0<\/li>\n<\/ol>\n\n\n\n<p class=\"wp-block-paragraph\">For that, you must enter the mandate amount and the validity date (until you want to keep your SIP active).<\/p>\n\n\n\n<ol start=\"4\" class=\"wp-block-list\">\n<li>You must submit the details, and you\u2019ll receive a Mandate authentication link via email. Approval generally takes 24 hours.<\/li>\n<\/ol>\n\n\n\n<p class=\"wp-block-paragraph\">Once your Mandate is approved, you can follow these steps to set up your SIP:<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li>Go to &#8220;XSIP,&#8221; enter the SIP amount, and select &#8220;Fresh&#8221; as the transaction type.<\/li>\n\n\n\n<li>Choose the date when the SIP will be debited directly from your registered bank.<\/li>\n\n\n\n<li>The approved Mandate ID will auto-reflect.<\/li>\n\n\n\n<li>Choose &#8220;Monthly&#8221; for monthly debits and specify the number of installments (e.g., 24 installments for a 2-year SIP).<\/li>\n<\/ol>\n\n\n\n<p class=\"wp-block-paragraph\">If you do not want to forget your SIPs and invest systematically, the SIP method can be most suitable for you.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"6-why-invest-in-the-dsp-equity-savings-fund\"><span class=\"ez-toc-section\" id=\"Why_Invest_in_the_DSP_Equity_Savings_Fund\"><\/span>Why Invest in the DSP Equity Savings Fund?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">The reasons for investing<strong> <\/strong>in the <strong>DSP Equity Savings Fund Direct-Growth<\/strong> can be the fund\u2019s \u2013&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Long-term capital accumulation \u2013 wealth building<\/li>\n\n\n\n<li>Income generation\u00a0<\/li>\n\n\n\n<li>Stability in returns\u00a0<\/li>\n\n\n\n<li>Well-diversified portfolio helps mitigate risks<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"7-suitability-of-this-fund-who-should-invest\"><span class=\"ez-toc-section\" id=\"Suitability_of_this_Fund_Who_Should_Invest\"><\/span>Suitability of this Fund| Who Should Invest?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">The <strong>DSP Equity Savings Fund Direct <\/strong>is suitable for investors who:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Are conservative investors\u00a0<\/li>\n\n\n\n<li>Looking for long-term capital appreciation along with regular income<\/li>\n\n\n\n<li>Can stay invested for at least three years\u00a0<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"8-conclusion\"><span class=\"ez-toc-section\" id=\"Conclusion\"><\/span>Conclusion<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">So, <strong>DSP Equity Savings Fund <\/strong>can offer<strong> <\/strong>income<strong> <\/strong>as well as wealth accumulation as well. So, anyone who is bit conservative when it comes to investments, but wanting to earn higher returns compared to debt funds, this fund can be a good choice. Given the performance of the fund, in the hybrid segment, this fund is offering one of the highest returns too weight less risk quotient.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"9-dsp-equity-savings-fund-direct-growth-plan-faqs\"><span class=\"ez-toc-section\" id=\"DSP_Equity_Savings_Fund_Direct-Growth_Plan_FAQs\"><\/span>DSP Equity Savings Fund Direct-Growth Plan | FAQs<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<div class=\"schema-faq wp-block-yoast-faq-block\"><div class=\"schema-faq-section\" id=\"faq-question-1747128798161\"><strong class=\"schema-faq-question\"><strong>1. What is the DSP Equity Savings Fund &#8211; Direct Plan?<\/strong><\/strong> <p class=\"schema-faq-answer\">DSP Equity Savings Fund &#8211; Direct Plan is an open-ended hybrid fund that invests in equities and equity-related instruments, debt instruments, and cash and cash equivalents.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1747130328991\"><strong class=\"schema-faq-question\"><strong>2. What is the expense ratio of the DSP Equity Savings Fund &#8211; Direct Plan?<\/strong><\/strong> <p class=\"schema-faq-answer\">The expense ratio of the DSP Equity Savings Fund &#8211; Direct Plan is 0.41% as of 31 March 2025.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1747130329528\"><strong class=\"schema-faq-question\"><strong>3. What is the current NAV of the DSP Equity Savings Fund &#8211; Direct Plan?<\/strong><\/strong> <p class=\"schema-faq-answer\">The current NAV (Net Asset Value) of the DSP Equity Savings Fund &#8211; Direct Plan as of<strong> <\/strong>25 April 2025 stood at \u20b924.0620.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1747130356041\"><strong class=\"schema-faq-question\"><strong>4. What is the AUM of the DSP Equity Savings Fund &#8211; Direct Plan?<\/strong><\/strong> <p class=\"schema-faq-answer\">The total assets under management (AUM) of DSP Equity Savings Fund &#8211; Direct Plan is \u20b92517 crore as of 31 March 2025.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1747130372896\"><strong class=\"schema-faq-question\"><strong>5. What is the Riskometer level of the DSP Equity Savings Fund &#8211; Direct Plan?<\/strong><\/strong> <p class=\"schema-faq-answer\">The Riskometer level of the DSP Equity Savings Fund &#8211; Direct Plan is marked as &#8220;Moderately High Risk&#8221;.\u00a0<\/p> <\/div> <\/div>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Source: <a href=\"https:\/\/www.valueresearchonline.com\/funds\/32141\/dsp-equity-savings-fund-direct-plan\" target=\"_blank\" rel=\"noreferrer noopener nofollow\"><mark style=\"background-color:rgba(0, 0, 0, 0);color:#d79b30\" class=\"has-inline-color\">ValueResearch<\/mark><\/a><\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">______________________________________________________________________________________<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><mark style=\"background-color:rgba(0, 0, 0, 0);color:#d79b30\" class=\"has-inline-color\"><strong>Disclaimer<\/strong><\/mark>: Investments in the securities 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While the equity portion helps in generating the wealth over time, the debt portion, cash, and cash equivalents will help in creating regular income.&nbsp; This article will be around DSP Equity Savings Fund &#8211; Direct Plan-Growth, which &hellip; <a href=\"https:\/\/shoonya.com\/blog\/dsp-equity-savings-fund-direct-growth\/\" class=\"more-link\">Continue reading<span class=\"screen-reader-text\"> &#8220;DSP Equity Savings Fund Direct-Growth: Worth Investing?&#8221;<\/span><\/a><\/p>\n","protected":false},"author":16,"featured_media":12444,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":"","_members_access_role":[],"_members_access_error":""},"categories":[12],"tags":[7520,7519,7522,7523,7521],"class_list":["post-12442","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-mutual-funds","tag-dsp-equity-savings-fund-direct","tag-dsp-equity-savings-fund-direct-growth","tag-dsp-equity-savings-fund-direct-growth-nav","tag-dsp-equity-savings-fund-portfolio","tag-nav-of-dsp-equity-savings-fund"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>DSP Equity Savings Fund Direct-Growth Option: Everything You Need to Know<\/title>\n<meta name=\"description\" content=\"DSP Equity Savings Fund is a hybrid fund 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What is the current NAV of the DSP Equity Savings Fund - Direct Plan?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"The current NAV (Net Asset Value) of the DSP Equity Savings Fund - Direct Plan as of<strong> <\/strong>25 April 2025 stood at \u20b924.0620.","inLanguage":"en-US"},"inLanguage":"en-US"},{"@type":"Question","@id":"https:\/\/shoonya.com\/blog\/dsp-equity-savings-fund-direct-growth\/#faq-question-1747130356041","position":4,"url":"https:\/\/shoonya.com\/blog\/dsp-equity-savings-fund-direct-growth\/#faq-question-1747130356041","name":"4. What is the AUM of the DSP Equity Savings Fund - Direct Plan?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"The total assets under management (AUM) of DSP Equity Savings Fund - Direct Plan is \u20b92517 crore as of 31 March 2025.","inLanguage":"en-US"},"inLanguage":"en-US"},{"@type":"Question","@id":"https:\/\/shoonya.com\/blog\/dsp-equity-savings-fund-direct-growth\/#faq-question-1747130372896","position":5,"url":"https:\/\/shoonya.com\/blog\/dsp-equity-savings-fund-direct-growth\/#faq-question-1747130372896","name":"5. What is the Riskometer level of the DSP Equity Savings Fund - Direct Plan?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"The Riskometer level of the DSP Equity Savings Fund - Direct Plan is marked as \"Moderately High Risk\".\u00a0","inLanguage":"en-US"},"inLanguage":"en-US"}]}},"_links":{"self":[{"href":"https:\/\/shoonya.com\/blog\/wp-json\/wp\/v2\/posts\/12442","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/shoonya.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/shoonya.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/shoonya.com\/blog\/wp-json\/wp\/v2\/users\/16"}],"replies":[{"embeddable":true,"href":"https:\/\/shoonya.com\/blog\/wp-json\/wp\/v2\/comments?post=12442"}],"version-history":[{"count":1,"href":"https:\/\/shoonya.com\/blog\/wp-json\/wp\/v2\/posts\/12442\/revisions"}],"predecessor-version":[{"id":12445,"href":"https:\/\/shoonya.com\/blog\/wp-json\/wp\/v2\/posts\/12442\/revisions\/12445"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/shoonya.com\/blog\/wp-json\/wp\/v2\/media\/12444"}],"wp:attachment":[{"href":"https:\/\/shoonya.com\/blog\/wp-json\/wp\/v2\/media?parent=12442"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/shoonya.com\/blog\/wp-json\/wp\/v2\/categories?post=12442"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/shoonya.com\/blog\/wp-json\/wp\/v2\/tags?post=12442"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}