{"id":14217,"date":"2025-07-23T07:59:53","date_gmt":"2025-07-23T07:59:53","guid":{"rendered":"https:\/\/staging-blog.shoonya.com\/?p=13487"},"modified":"2025-07-23T07:59:53","modified_gmt":"2025-07-23T07:59:53","slug":"dsp-savings-fund-direct-growth","status":"publish","type":"post","link":"https:\/\/shoonya.com\/blog\/dsp-savings-fund-direct-growth\/","title":{"rendered":"DSP Savings Fund Direct-Growth: Key Insights, Returns, Risks, and More"},"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-savings-fund-direct-growth\/#DSP_Savings_Fund_Direct-Growth_Fund_Management_and_Objectives\" >DSP 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-savings-fund-direct-growth\/#Performance_and_Returns_As_of_14_July_2025\" >Performance and Returns (As of 14 July 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-savings-fund-direct-growth\/#Investment_Allocation_As_of_30_June_2025\" >Investment Allocation (As of 30 June 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-savings-fund-direct-growth\/#Risk_and_Performance_of_the_DSP_Savings_Fund\" >Risk and Performance of the DSP 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-savings-fund-direct-growth\/#Taxation_for_DSP_Savings_Fund\" >Taxation for DSP 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-savings-fund-direct-growth\/#How_to_Invest_in_DSP_Savings_Fund_Direct\" >How to Invest in DSP 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-savings-fund-direct-growth\/#Why_Invest_in_the_DSP_Savings_Fund\" >Why Invest in the DSP 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-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-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-savings-fund-direct-growth\/#DSP_Savings_Fund_Direct_Plan-Growth_FAQs\" >DSP Savings Fund Direct Plan-Growth | 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 Savings Fund Direct-Growth: Key Insights, Returns, Risks, and More<\/strong><\/span><\/span><\/div>\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The markets have been highly volatile over the past few months owing to different factors such as geopolitical issues, inflation, interest rate changes, slow economic growth, corporate earnings being sluggish, and more. As mutual funds\u2019 performance depends on market performance, the mutual fund industry has become sluggish as well. However, is it applicable to all the funds? The answer is no. As debt funds\u2019 performance remains more or less stable, given the nature of these funds. In this article, we will cover one such debt fund that can help your investment portfolio remain stable to some extent during volatile periods.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">This article will be around <strong>DSP Savings Fund &#8211; Direct Plan-Growth<\/strong>, which is one such debt 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<h2 class=\"wp-block-heading\" id=\"0-dsp-savings-fund-direct-growth-fund-management-and-objectives\"><span class=\"ez-toc-section\" id=\"DSP_Savings_Fund_Direct-Growth_Fund_Management_and_Objectives\"><\/span><strong>DSP Savings <\/strong>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 Savings Fund Direct-Growth<\/strong> invests in debt and money market instruments for income generation. It invests in the debt securities and money market instruments that have a maturity period of less than equal to one year. Thus, it is categorized as a short-term debt fund.&nbsp;&nbsp;&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>DSP Savings Fund Direct Plan-Growth <\/strong>is managed by \u2013&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Karan Mundhra: <\/strong>He has been managing this fund since May 2021. He has been associated with DSP Mutual Fund for over 13 years and has solid experience in managing debt funds. He holds a CA and a Bachelor&#8217;s in Commerce.<\/li>\n\n\n\n<li><strong>Shalini Vasanta: <\/strong>She has been associated with the<strong> <\/strong>fund since August 2024, and before joining DSP Mutual Fund, she was working with ICRA as a senior analyst. She holds a Bachelor&#8217;s in Arts and an MBA in Finance.\u00a0<\/li>\n<\/ul>\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 Savings Fund? Open a free Demat account today!<\/mark><\/a><\/em><\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>How Does the DSP Savings Fund Work?<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>DSP Savings Fund<\/strong> invests in high-quality money market instruments. The fund managers of this fund follow the \u2018roll down\u2019 strategy for this fund. So, as the primary instruments in this fund have a maturity of less than one year, the maturity of the fund gets reset every year.&nbsp;&nbsp;&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"1-performance-and-returns-as-of-14-july-2025-\"><span class=\"ez-toc-section\" id=\"Performance_and_Returns_As_of_14_July_2025\"><\/span>Performance and Returns (As of 14 July 2025)&nbsp;<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>DSP Savings Fund Direct-Growth <\/strong>has been offering a consistent return over time. 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 Savings Fund Direct-Growth (%)<\/strong><\/td><td><strong>Category Average&nbsp;<\/strong><\/td><\/tr><tr><td>6 Month<\/td><td>4.13<\/td><td>4.35<\/td><\/tr><tr><td>3 Month<\/td><td>1.97<\/td><td>2.04<\/td><\/tr><tr><td>1 Month<\/td><td>0.61<\/td><td>0.62<\/td><\/tr><tr><td>1 Day<\/td><td>0.05<\/td><td>0.06<\/td><\/tr><tr><td>YTD<\/td><td>4.36<\/td><td>4.60<\/td><\/tr><tr><td>1 Year<\/td><td>7.84<\/td><td>8.14<\/td><\/tr><tr><td>3 Year<\/td><td>7.39<\/td><td>7.51<\/td><\/tr><tr><td>5 Year<\/td><td>5.85<\/td><td>6.05<\/td><\/tr><tr><td>7 Year<\/td><td>6.46<\/td><td>6.57<\/td><\/tr><tr><td>10 Year<\/td><td>6.55<\/td><td>6.89<\/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 consistent returns over time; however, it is marginally lower than the category average returns.&nbsp;&nbsp;&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"2-investment-allocation-as-of-30-june-2025\"><span class=\"ez-toc-section\" id=\"Investment_Allocation_As_of_30_June_2025\"><\/span>Investment Allocation (As of 30 June 2025)<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">The <strong>DSP Savings Fund Growth<\/strong> has 99.52% of debt instruments, and 0.48% is cash and cash equivalents.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Credit rating-wise asset allocation&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>AAA Rating \u2013 86.3%<\/li>\n\n\n\n<li>Sovereign Bonds \u2013 12.93%<\/li>\n\n\n\n<li>Cash equivalent \u2013 0.48%<\/li>\n\n\n\n<li>Unrated\/ others \u2013 0.29%<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">As of 30 June 2025, the fund had 71 securities. The yield to maturity of the fund is 6.53% and Macaulay Duration is 0.58 years.&nbsp;&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The top five debt holdings of the DSP 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 7.59 11\/01\/2026<\/td><td>6.33<\/td><\/tr><tr><td>Small Industries Development Bank of India Ltd. CD 20\/05\/2026<\/td><td>4.61<\/td><\/tr><tr><td>IDFC First Bank Ltd. CD 22\/05\/2026<\/td><td>4.09<\/td><\/tr><tr><td>HDFC Bank Ltd. CD 19\/05\/2026<\/td><td>3.58<\/td><\/tr><tr><td>Bharti Telecom Ltd. CP 360-D 17\/10\/2025<\/td><td>3.29<\/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 30 June 2025, the fund had an expense ratio of 0.16%, which is marginally lower than the category average of 0.17%.<\/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>\u20b94623 Crore as of 30 June 2025<\/td><\/tr><tr><td><strong>Category<\/strong><\/td><td>Debt Fund, open-ended<\/td><\/tr><tr><td><strong>Fund Manager<\/strong><\/td><td>Karan Mundhra, Shalini Vasanta<\/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>CRISIL Money Market A-I Index<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">The <strong>DSP Savings Fund NAV <\/strong>as of<strong> <\/strong>14 July 2025 stood at \u20b954.5072.&nbsp;&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"3-risk-and-performance-of-the-dsp-savings-fund-\"><span class=\"ez-toc-section\" id=\"Risk_and_Performance_of_the_DSP_Savings_Fund\"><\/span>Risk and Performance of the DSP 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 \u2018Low to Moderately Risky\u2019 fund. It usually offers a stable return which comes with nominal risk.&nbsp;<\/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 0.32%, while that of the category is a little higher at 0.51%, 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 0.78% as beta, while that of the category is 1.12%, 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\u2019s Sharpe ratio is 2.60% while the category average is 0.95, making the fund offer way higher risk-adjusted returns.<\/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 3.61% while the category average is 1.14%, offering higher downside risk-adjusted profits&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 2.29%, and the category average is 2.84%, indicating that the fund offers a little lower than its peers.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"4-taxation-for-dsp-savings-fund-\"><span class=\"ez-toc-section\" id=\"Taxation_for_DSP_Savings_Fund\"><\/span>Taxation for DSP 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 Savings Fund<\/strong>, here&#8217;s how your returns will be taxed:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>If you have purchased the fund units on or after 1 April 2023, then the entire amount you generate from the fund as profit will be taxed according to your income slab rate.\u00a0<\/li>\n\n\n\n<li>If the fund units were purchased before 1 April 2023, then in case you have been selling the units within 2 years of the date of investment, gains will be added to the income and taxed as per the slab. However, if you are selling the units after 2 years of investment, then the tax rate will be 12.5% on the profits.\u00a0<\/li>\n\n\n\n<li>In case of dividend income, it will be taxed as per the slab. If dividend income exceeds \u20b910000 in a financial year, then the fund house charges a TDS of 10% before distributing the dividends.<\/li>\n<\/ul>\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 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 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-savings-fund-direct\"><span class=\"ez-toc-section\" id=\"How_to_Invest_in_DSP_Savings_Fund_Direct\"><\/span>How to Invest in DSP 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 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 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 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> 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 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-savings-fund\"><span class=\"ez-toc-section\" id=\"Why_Invest_in_the_DSP_Savings_Fund\"><\/span>Why Invest in the DSP 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 Savings Fund Direct-Growth<\/strong> can be \u2013&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Regular 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 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 regular income<\/li>\n\n\n\n<li>Looking for short-term investment vehicles to park funds<\/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 Savings Fund <\/strong>can offer<strong> <\/strong>income<strong> <\/strong>from investments, and stability of returns. Anyone who is a conservative investor, this debt funds can be a good choice. The performance of the fund also has been stable, and consistent, though bit lower than the industry and risk quotient is quite low.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"9-dsp-savings-fund-direct-plan-growth-faqs\"><span class=\"ez-toc-section\" id=\"DSP_Savings_Fund_Direct_Plan-Growth_FAQs\"><\/span>DSP Savings Fund Direct Plan-Growth | 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-1753257172312\"><strong class=\"schema-faq-question\"><strong>1. What is the DSP Savings Fund &#8211; Direct Plan?<\/strong><\/strong> <p class=\"schema-faq-answer\">DSP Savings Fund &#8211; Direct Plan is an open-ended debt fund that invests in debt instruments, cash, and cash equivalents.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1753257178512\"><strong class=\"schema-faq-question\"><strong>2. What is the expense ratio of the DSP Savings Fund &#8211; Direct Plan?<\/strong><\/strong> <p class=\"schema-faq-answer\">The expense ratio of the DSP Savings Fund &#8211; Direct Plan is 0.16% as of 30 June 2025.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1753257179025\"><strong class=\"schema-faq-question\"><strong>3. What is the current NAV of the DSP Savings Fund &#8211; Direct Plan?<\/strong><\/strong> <p class=\"schema-faq-answer\">The current NAV (Net Asset Value) of the DSP Savings Fund &#8211; Direct Plan as of<strong> <\/strong>14 July 2025 stood at \u20b954.5072.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1753257199248\"><strong class=\"schema-faq-question\"><strong>4. What is the AUM of the DSP Savings Fund &#8211; Direct Plan?<\/strong><\/strong> <p class=\"schema-faq-answer\">The total assets under management (AUM) of DSP Savings Fund &#8211; Direct Plan is \u20b94623 crore as of 30 June 2025.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1753257208785\"><strong class=\"schema-faq-question\"><strong>5. What is the Riskometer level of the DSP Savings Fund &#8211; Direct Plan?<\/strong><\/strong> <p class=\"schema-faq-answer\">The Riskometer level of the DSP Savings Fund &#8211; Direct Plan is marked as &#8220;Low to Moderate 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\/16459\/dsp-savings-fund-direct-plan\/#overview\" target=\"_blank\" rel=\"noreferrer noopener\"><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 market are subject to 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However, is it applicable to all &hellip; <a href=\"https:\/\/shoonya.com\/blog\/dsp-savings-fund-direct-growth\/\" class=\"more-link\">Continue reading<span class=\"screen-reader-text\"> &#8220;DSP Savings Fund Direct-Growth: Key Insights, Returns, Risks, and More&#8221;<\/span><\/a><\/p>\n","protected":false},"author":17,"featured_media":14239,"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":[8091,8092,8093,8094],"class_list":["post-14217","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-mutual-funds","tag-dsp-savings-fund-direct-growth","tag-dsp-savings-fund-direct","tag-dsp-savings-fund-direct-growth-nav","tag-dsp-savings-fund-portfolio"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.4 - 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