DSP Savings Fund - IDCW - Direct Plan

Item: DSP Savings Fund - IDCW - Direct Plan
Rating: 2
Author: PersonalFN

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₹12.5088 0.04 %Nav, as on 11-02-2026
Previous Nav
₹ 12.5036
Net Change on 11-02-2026
₹0.01
PersonalFN Rating
Category
Debt - Money Market Fund
Assets (Cr.)
₹ 8,862.68
Expense Ratio
0.15%
(As on Dec 31, 2025)

Fund Overview IDCW | Direct Plan

Fund House
DSP Mutual Fund
Launch Date
01-Jan-2013
Benchmark
CRISIL 1 year T-Bill Index
Minimum Investment (₹)
100
Minimum Addl Investment (₹)
100
Exit Load (%)
Nil
Minimum SIP Investment (₹)
100
Minimum STP Investment (₹)
100
Minimum SWP Investment (₹)
100
52 Week Low Nav (₹)
25.77
52 Week Low Nav Date
11-Feb-2025
52 Week High Nav (₹)
27.54
52 Week High Nav Date
10-Feb-2026

Fund Objective

The primary investment objective of the Scheme is to generate income through investment in a portfolio comprising of money market instruments with maturity less than or equal to 1 year.

Fund Performance

Scheme Name	1-Month Return (%)	3-Month Return (%)	1-Year Return (%)	3-Year Return (%)	5-Year Return (%)	Since Inception
DSP Savings Fund - Direct Plan - IDCW	5.63	5.42	6.89	7.33	6.10	5.99
CRISIL 1 year T-Bill Index	N/A	N/A	N/A	N/A	N/A	N/A
CRISIL Money Market Index	N/A	N/A	N/A	N/A	N/A	N/A

Returns upto 1 year is Annualised, and above 1 year are Compounded Annualised

Peer Fund Comparison

Scheme Name	Launch Date	1-Year Return (%)	3-Year Return (%)	5-Year Return (%)	Expense Ratio (%)	Assets (Cr.)
DSP Savings Fund - Direct Plan - IDCW	Jan 01, 2013	6.89	7.33	6.10	0.15	8,862.68
SBI Savings Fund - Direct Plan - Income Distribution cum Capital Withdrawal Option (IDCW)	Jan 02, 2013	7.29	7.52	6.33	0.25	37,079.14
SBI Savings Fund - Direct Plan Daily Income Distribution cum Capital Withdrawal Option (IDCW)	Jan 07, 2013	7.29	7.52	6.33	0.25	37,079.14
SBI Savings Fund - Direct Plan Weekly Income Distribution cum Capital Withdrawal Option (IDCW)	Jan 08, 2013	9.34	7.69	6.44	0.25	37,079.14
ICICI Prudential Money Market Fund Option - Direct Plan - Daily IDCW	Dec 31, 2012	7.35	7.63	6.38	0.21	35,024.96
ICICI Prudential Money Market Fund Option - Direct Plan - IDCW Others	Jan 20, 2014	7.35	7.57	6.35	0.21	35,024.96

Fund Holdings as on 31-January-2026

Company % Assets
5.63% GOI 2026
9.47
Small Industries Development Bank of India**
3.87
TREPS / Reverse Repo Investments
3.40
Panatone Finvest Limited**
3.15
Indian Bank**
2.49
Union Bank of India**
2.49
Axis Bank Limited**
2.49
HDFC Bank Limited**
2.21
IDFC First Bank Limited**
1.66
IDFC First Bank Limited**
1.66
Export-Import Bank of India**
1.65
Canara Bank**
1.65
Canara Bank**
1.65
Bank of Baroda**
1.60
Bank of Baroda**
1.60
Bank of Baroda**
1.59
Axis Bank Limited
1.59
National Bank for Agriculture and Rural Development**
1.58
HDFC Bank Limited
1.58
IndusInd Bank Limited**
1.58
Small Industries Development Bank of India**
1.38
Export-Import Bank of India
1.38
HDFC Bank Limited**
1.36
Bahadur Chand Investments Private Limited**
1.34
Torrent Pharmaceuticals Limited**
1.32
Muthoot Fincorp Limited**
1.31
Axis Bank Limited**
1.10
Standard Chartered Capital Limited**
1.10
Cholamandalam Investment and Finance Company Limited**
1.10
Equitas Small Finance Bank Limited**
1.10
Julius Baer Capital (India) Private Limited**
1.10
Bank of Baroda
1.09
Small Industries Development Bank of India**
1.07
Bank of Baroda**
1.07
Bajaj Finance Limited**
1.07
Axis Bank Limited**
1.07
Small Industries Development Bank of India**
1.06
Small Industries Development Bank of India**
1.06
ICICI Bank Limited**
1.06
IDFC First Bank Limited**
1.05
National Bank for Agriculture and Rural Development**
1.05
Motilal Oswal Financial Services Limited**
1.05
Indian Bank**
0.83
Bank of Baroda**
0.83
Cholamandalam Investment and Finance Company Limited**
0.83
HDFC Bank Limited
0.80
7.14% Gujarat SDL 2027
0.80
National Bank for Agriculture and Rural Development
0.79
Punjab National Bank**
0.71
364 DAYS T-BILL 2026
0.55
182 DAYS T-BILL 2026
0.55
Kotak Mahindra Bank Limited**
0.55
Canara Bank**
0.55
ICICI Securities Limited**
0.55
Indian Bank**
0.55
Axis Bank Limited**
0.55
Union Bank of India
0.55
Muthoot Finance Limited**
0.55
Ujjivan Small Finance Bank Limited**
0.55
364 DAYS T-BILL 2026
0.55
Axis Bank Limited**
0.54
Muthoot Finance Limited**
0.54
Indian Bank**
0.54
Nuvama Wealth Management Limited**
0.54
Bank of Baroda**
0.53
Bajaj Finance Limited**
0.53
Bank of Baroda**
0.53
Cholamandalam Investment and Finance Company Limited**
0.53
Kotak Mahindra Bank Limited**
0.53
Canara Bank**
0.53
National Bank for Agriculture and Rural Development**
0.53
Small Industries Development Bank of India**
0.53
Tata Housing Development Company Limited**
0.53
Cholamandalam Investment and Finance Company Limited**
0.52
Nuvama Wealth Finance Limited**
0.52
Angel One Limited**
0.45
364 DAYS T-BILL 2026
0.39
7.08% Karnataka SDL 2026
0.30
7.39% Maharashtra SDL 2026
0.29
91 DAYS T-BILL 2026
0.28
Hero Housing Finance Limited**
0.28
Bank of Baroda
0.28
IDFC First Bank Limited**
0.28
Hero Housing Finance Limited**
0.28
Cholamandalam Investment and Finance Company Limited**
0.28
Bank of Baroda**
0.28
Union Bank of India**
0.28
Axis Bank Limited**
0.27
HDFC Bank Limited**
0.27
Motilal Oswal Financial Services Limited**
0.27
Motilal Oswal Financial Services Limited**
0.27
Motilal Oswal Finvest Limited**
0.27
ICICI Securities Limited**
0.27
ICICI Securities Limited**
0.27
Union Bank of India**
0.27
SBI Funds Management Pvt Ltd/Fund Parent
0.27
Union Bank of India**
0.26
Muthoot Fincorp Limited**
0.26
7.38% Madhya Pradesh SDL 2026
0.18
182 DAYS T-BILL 2026
0.06
Canara Bank**
0.06
Net Receivables/Payables
-0.75

Sector Holding%
Miscellaneous
62.59

Fund Manager

Karan Mundhra

Education:B.Com, CA
Experience:9
Basic Details:From July 2016 onwards- Dealer, Fixed Income - DSPIM.From February 2016 to July 2016 - Manager - Fixed Income DSPIMFrom April 2012 to January 2016 - Manager - Fund Accounting - DSPIM
Funds Managed:
DSP Floater Fund
DSP Overnight Fund
DSP Arbitrage Fund
DSP Bond Fund
DSP Liquidity Fund
DSP Low Duration Fund
DSP Ultra Short Fund
DSP Savings Fund
DSP Short Term Fund
DSP Arbitrage Fund
DSP Bond Fund
DSP Floater Fund
DSP Liquidity Fund
DSP Low Duration Fund
DSP Overnight Fund
DSP Savings Fund
DSP Short Term Fund
DSP Ultra Short Fund

Shalini Vasanta

Most Recent Dividend

Dividend Details

Record Date Dividend (%)
29/09/2025
4.12
31/03/2025
4.24
30/09/2024
4.21
02/04/2024
4.24
29/09/2023
4.40
29/03/2023
3.93
29/09/2022
1.80
29/03/2022
2.08
29/09/2021
2.45
30/03/2021
1.90
29/09/2020
4.36
30/03/2020
1.69
30/09/2019
4.79
29/03/2019
4.65
01/10/2018
3.47
03/04/2018
3.45
29/09/2017
3.37
29/03/2017
3.41
29/09/2016
4.03
29/03/2016
3.68
29/09/2015
4.26
30/03/2015
4.11
29/09/2014
2.03
30/06/2014
2.12
02/04/2014
1.99
30/12/2013
2.32
30/09/2013
4.67
29/05/2013
1.49
02/04/2013
1.84

Holding Type Holding %
Cash
2.65
CRISIL A1+
65.74
ICRA A1+
8.02
IND A1+
9.93
Sov
13.42
Unrated
0.27

About DSP Savings Fund

Scheme Analysis

DSP Savings Fund is a Debt - Money Market Fund fund and belongs to DSP Mutual Fund. It was launched on 01-Jan-2013 and currently has an AUM of ₹8,862.68 crore. DSP Savings Fund is benchmarked against CRISIL 1 year T-Bill Index as primary index and CRISIL Money Market Index as secondary index.

The NAV of DSP Savings Fund ended up ₹0.01(0.04%)yesterday to ₹12.5088.

Among its top 3 holdings the fund has exposure to 5.63% GOI 2026, and

The DSP Savings Fund is managed by Karan Mundhra and Shalini Vasanta.

Fund House Contact

Address:

The Ruby, 25th Floor, 29, Senapati Bapat Marg, Dadar (West) Mumbai - 400 028

Phone Number: +91 (22) 66578000

Email Address: service@dspim.com

Fax Number: +91 (22) 66578181

Website: https://www.dspim.com/

Money Simplified Videos

Infographics

DSP Savings Fund - IDCW - Direct Plan

Fund Overview IDCW | Direct Plan

Fund Objective

The primary investment objective of the Scheme is to generate income through investment in a portfolio comprising of money market instruments with maturity less than or equal to 1 year.

Fund Performance

Peer Fund Comparison

Fund Holdings as on 31-January-2026

Fund Manager

Most Recent Dividend

About DSP Savings Fund

Scheme Analysis

Fund House Contact

Financial Health Checkup

Money Simplified Videos

Infographics

DSP Savings Fund - IDCW - Direct Plan

Fund Overview IDCW | Direct Plan

Fund Objective

The primary investment objective of the Scheme is to generate income through investment in a portfolio comprising of money market instruments with maturity less than or equal to 1 year.

Fund Performance

Peer Fund Comparison

Fund Holdings as on 31-January-2026

Fund Manager

Most Recent Dividend

About DSP Savings Fund

Scheme Analysis

Fund House Contact