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DSP Savings Fund(M-IDCW)

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DSP Savings Fund(M-IDCW)

IDCW
10.940.06% (+0.01)
Investment Checklist

Returns

Fund's average annual rolling returns over the last three years is compared against the funds from the same category

Fund has been able to generate better returns compared to other funds in the same category

Expense Ratio

Expense Ratio is the fee paid by investors of Mutual Funds. Fund's expense ratio is compared against the expense ratio of other funds in the same category to check if the fund is charging more or less compared to other funds in the same category

Less expense ratio implies better returns over the long term

Return vs FD Rates

If fund's return is lower than the average fixed deposit rates offered by banks, investors are better off investing the amount in a FD

Fund has not been able to generate better price return than bank FD

Red Flags

We check for various red flags on fund's portfolio holdings like - ratings for debt securities, pledging of promoter shares in the company, default probabiity of the company, stocks presense in negative lists published by the exchanges etc. Checkout the Holdings section in the Portfolio tab for full list of securties with red flags

Total holdings with red flags is insignificant

OverviewPeersPortfolioFund ManagerOpinions

Asset Allocation

Actual

Target

Sep 2023

Dec 2023

Mar 2024

Apr 2024

ACTUAL
Cash & EquivalentsTreasury BillsCommercial PaperCertificate of Deposit0.09%0.24%12.88%28.33%58.46%

Sep 2023

Dec 2023

Mar 2024

Apr 2024

Tickertape Separator

Sector Distribution

+3 moreHome FinancingSpecialized FinanceG-SecPrivate BanksPublic Banks8.71 %8.42 %11.53 %12.88 %21.59 %36.87 %

Sep 2023

Dec 2023

Mar 2024

Apr 2024

Tickertape Separator

Sector Weightage

Mar 23Jun 23Sep 23Dec 23Mar 24Apr 2435.14%37.76%36.22%35.70%28.43%36.87%
Public Banks as a % of total holdings for last six quarters
Tickertape Separator

Current Holdings

Debt

Others

  • Constituent
    Holding Weight
    3M Change
  • National Bank for Agriculture and Rural Development**
    CRISIL A1+
    3M change : -0.11 %|CRISIL A1+

    Holdings

    6.32 %

    -0.11 %
  • Union Bank of India**
    ICRA A1+
    3M change : -0.09 %|ICRA A1+

    Holdings

    5.26 %

    -0.09 %
  • Small Industries Development Bank of India**
    CRISIL A1+
    3M change : 4.23 %|CRISIL A1+

    Holdings

    4.23 %

    4.23 %
  • 364 DAYS T-BILL 2025
    Sovereign
    3M change : 4.22 %|Sovereign

    Holdings

    4.22 %

    4.22 %
  • Punjab National Bank**
    CRISIL A1+
    3M change : -0.07 %|CRISIL A1+

    Holdings

    4.21 %

    -0.07 %
  • LIC Housing Finance Limited**
    CRISIL A1+
    3M change : -0.08 %|CRISIL A1+

    Holdings

    4.21 %

    -0.08 %
  • IndusInd Bank Limited**
    CRISIL A1+
    3M change : -0.07 %|CRISIL A1+

    Holdings

    4.21 %

    -0.07 %
  • IDFC First Bank Limited**
    CRISIL A1+
    3M change : -0.07 %|CRISIL A1+

    Holdings

    4.21 %

    -0.07 %
  • Bajaj Housing Finance Limited**
    CRISIL A1+
    3M change : -0.07 %|CRISIL A1+

    Holdings

    4.21 %

    -0.07 %
  • Mahindra & Mahindra Financial Services Limited**
    CRISIL A1+
    3M change : 4.19 %|CRISIL A1+

    Holdings

    4.19 %

    4.19 %
  • Hero Fincorp Limited**
    CRISIL A1+
    3M change : 4.18 %|CRISIL A1+

    Holdings

    4.18 %

    4.18 %
  • ICICI Bank Limited**
    ICRA A1+
    3M change : -3.82 %|ICRA A1+

    Holdings

    3.69 %

    -3.82 %
  • 364 DAYS T-BILL 2024
    Sovereign
    3M change : 3.36 %|Sovereign

    Holdings

    3.36 %

    3.36 %
  • Small Industries Development Bank of India**
    CRISIL A1+
    3M change : -4.34 %|CRISIL A1+

    Holdings

    3.16 %

    -4.34 %
  • HDFC Bank Limited**
    CRISIL A1+
    3M change : -4.34 %|CRISIL A1+

    Holdings

    3.16 %

    -4.34 %
  • Axis Securities Limited**
    CRISIL A1+
    3M change : -0.05 %|CRISIL A1+

    Holdings

    3.15 %

    -0.05 %
  • ICICI Securities Limited**
    CRISIL A1+
    3M change : 3.13 %|CRISIL A1+

    Holdings

    3.13 %

    3.13 %
  • 364 DAYS T-BILL 2025
    Sovereign
    3M change : 2.63 %|Sovereign

    Holdings

    2.63 %

    2.63 %
  • 364 DAYS T-BILL 2025
    Sov
    3M change : 2.13 %|Sov

    Holdings

    2.13 %

    2.13 %
  • HDFC Bank Limited**
    CRISIL A1+
    3M change : 2.12 %|CRISIL A1+

    Holdings

    2.12 %

    2.12 %
  • Punjab National Bank**
    CRISIL A1+
    3M change : 2.11 %|CRISIL A1+

    Holdings

    2.11 %

    2.11 %
  • National Bank for Agriculture and Rural Development**
    CRISIL A1+
    3M change : 2.11 %|CRISIL A1+

    Holdings

    2.11 %

    2.11 %
  • Muthoot Finance Limited**
    CRISIL A1+
    3M change : 2.11 %|CRISIL A1+

    Holdings

    2.11 %

    2.11 %
  • Canara Bank**
    CRISIL A1+
    3M change : 2.10 %|CRISIL A1+

    Holdings

    2.10 %

    2.10 %
  • Indian Bank**
    CRISIL A1+
    3M change : 2.10 %|CRISIL A1+

    Holdings

    2.10 %

    2.10 %
  • The Federal Bank Limited**
    CRISIL A1+
    3M change : 2.10 %|CRISIL A1+

    Holdings

    2.10 %

    2.10 %
  • Bank of Baroda**
    IND A1+
    3M change : 1.58 %|IND A1+

    Holdings

    1.58 %

    1.58 %
  • ICICI Securities Limited**
    CRISIL A1+
    3M change : 1.57 %|CRISIL A1+

    Holdings

    1.57 %

    1.57 %
  • Bank of Baroda**
    IND A1+
    3M change : 1.05 %|IND A1+

    Holdings

    1.05 %

    1.05 %
  • HDFC Bank Limited
    CRISIL A1+
    3M change : 1.05 %|CRISIL A1+

    Holdings

    1.05 %

    1.05 %
  • Indian Bank**
    CRISIL A1+
    3M change : 1.05 %|CRISIL A1+

    Holdings

    1.05 %

    1.05 %
  • ICICI Bank Limited
    ICRA A1+
    3M change : 1.05 %|ICRA A1+

    Holdings

    1.05 %

    1.05 %
  • Union Bank of India**
    ICRA A1+
    3M change : 1.05 %|ICRA A1+

    Holdings

    1.05 %

    1.05 %
  • HSBC Investdirect Financial Services (India) Limited**
    CRISIL A1+
    3M change : 1.05 %|CRISIL A1+

    Holdings

    1.05 %

    1.05 %
  • 364 DAYS T-BILL 2025
    Sov
    3M change : 0.53 %|Sov

    Holdings

    0.53 %

    0.53 %
  • ICICI Securities Limited**
    CRISIL A1+
    3M change : 0.53 %|CRISIL A1+

    Holdings

    0.53 %

    0.53 %
  • National Bank for Agriculture and Rural Development**
    CRISIL A1+
    3M change : 0.53 %|CRISIL A1+

    Holdings

    0.53 %

    0.53 %
  • National Bank for Agriculture and Rural Development**
    CRISIL A1+
    3M change : -1.15 %|CRISIL A1+

    Holdings

    0.00 %

    -1.15 %
  • Kotak Mahindra Bank Limited**
    CRISIL A1+
    3M change : -2.31 %|CRISIL A1+

    Holdings

    0.00 %

    -2.31 %
  • AU Small Finance Bank Limited**
    CRISIL A1+
    3M change : -1.15 %|CRISIL A1+

    Holdings

    0.00 %

    -1.15 %
  • L&T Finance Holdings Limited**
    CRISIL A1+
    3M change : -1.15 %|CRISIL A1+

    Holdings

    0.00 %

    -1.15 %
  • Motilal Oswal Financial Services Limited**
    CRISIL A1+
    3M change : -2.53 %|CRISIL A1+

    Holdings

    0.00 %

    -2.53 %
  • Fullerton India Credit Company Ltd**
    CRISIL A1+
    3M change : -1.73 %|CRISIL A1+

    Holdings

    0.00 %

    -1.73 %
  • ICICI Securities Limited**
    CRISIL A1+
    3M change : -1.15 %|CRISIL A1+

    Holdings

    0.00 %

    -1.15 %
  • Tata Capital Housing Finance Limited**
    CRISIL A1+
    3M change : -0.58 %|CRISIL A1+

    Holdings

    0.00 %

    -0.58 %
  • Hero Housing Finance Limited**
    CRISIL A1+
    3M change : -0.58 %|CRISIL A1+

    Holdings

    0.00 %

    -0.58 %
  • 364 DAYS T-BILL 2024
    SOV
    3M change : -8.88 %|SOV

    Holdings

    0.00 %

    -8.88 %
  • 364 DAYS T-BILL 2024
    SOV
    3M change : -3.57 %|SOV

    Holdings

    0.00 %

    -3.57 %
  • The Federal Bank Limited**
    CRISIL A1+
    3M change : -2.88 %|CRISIL A1+

    Holdings

    0.00 %

    -2.88 %
  • Axis Bank Limited**
    CRISIL A1+
    3M change : -1.72 %|CRISIL A1+

    Holdings

    0.00 %

    -1.72 %
  • HDFC Bank Limited**
    CRISIL A1+
    3M change : -0.57 %|CRISIL A1+

    Holdings

    0.00 %

    -0.57 %
  • Canara Bank**
    CRISIL A1+
    3M change : -4.60 %|CRISIL A1+

    Holdings

    0.00 %

    -4.60 %
  • Kisetsu Saison Finance (India) Private Limited**
    CRISIL A1+
    3M change : -1.15 %|CRISIL A1+

    Holdings

    0.00 %

    -1.15 %
  • Cholamandalam Investment and Finance Company Limited**
    CRISIL A1+
    3M change : -0.57 %|CRISIL A1+

    Holdings

    0.00 %

    -0.57 %
  • 91 DAYS T-BILL 2024
    Sovereign
    3M change : -1.15 %|Sovereign

    Holdings

    0.00 %

    -1.15 %
  • AU Small Finance Bank Limited**
    CRISIL A1+
    3M change : -1.07 %|CRISIL A1+

    Holdings

    0.00 %

    -1.07 %
  • Reliance Retail Ventures Limited
    CRISIL A1+
    3M change : -0.58 %|CRISIL A1+

    Holdings

    0.00 %

    -0.58 %