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DSP Asset Management Company Limited: All About DSP Mutual Funds

All About DSP Mutual Funds

DSP Mutual Fund, managed by DSP Asset Managers Pvt. Ltd., is one of India’s oldest and most respected asset management companies, with a legacy that traces its roots back over 160 years to the reputed DSP Group. The AMC is helmed by a strong value system that combines innovation with deep research and risk-aware investing. With a focus on transparency, disciplined fund management, and putting investors first, DSP Mutual Fund caters to a wide range of investors through its diverse suite of mutual fund schemes.

 

 

The core philosophy of DSP revolves around being a fiduciary to investors by placing their interests above everything else. It strives to generate long-term wealth by aligning investment strategies with prudent risk management. DSP’s commitment to investor education and long-term wealth creation is also reflected in its outreach, tools, and digital solutions that make investing accessible and informed.

 

Fund Management and Leadership

 

DSP Asset Managers is steered by an experienced and research-driven team. The leadership team, which includes industry veterans, oversees the fund strategy with a focus on consistency, ethics, and investor-centricity:

 

 

Together, this team ensures that every scheme under DSP MF is managed with diligence, data-dependence, and long-term conviction.

 

Mutual Fund Schemes Offered by DSP

 

DSP Mutual Fund offers a comprehensive range of mutual fund schemes across Equity, Debt, Hybrid, Index, Fund of Funds (FoFs), and ETFs. Here is a detailed view based on category and recent performance of schemes available on the Kucera Platform:

 

Equity Schemes: Equity schemes at DSP MF are tailored for capital appreciation and cover diverse strategies:

 

Equity Schemes1 Yr3 YrTERCategory
DSP Focus Growth Direct Plan19.28%19.36%0.95%Focused Fund
DSP Healthcare Growth Direct Plan18.86%21.54%0.63%Sectoral/Thematic
DSP Midcap Growth Direct Plan12.89%16.96%0.74%Mid Cap Fund
DSP Value Growth Direct Plan10.56%16.51%0.94%Value Fund
DSP Equity Opportunities Growth Direct Plan16.73%21.84%0.70%Large & Mid Cap fund
DSP Top 100 Equity Growth Direct Plan18.90%20.43%0.97%Large Cap Fund
DSP ELSS Tax Saver Growth Direct Plan18.69%20.61%0.75%ELSS

Source: Kuvera, 24 April, 2025.

 

These funds are suited for investors with a higher risk appetite and long-term horizons.

DSP’s equity offerings span key segments including large cap, mid cap, value, and thematic exposure. For instance, the DSP Midcap Fund is well-placed within its category, offering a blend of high-growth mid-sized companies. Meanwhile, the DSP Healthcare Fund capitalises on sector-specific tailwinds, outperforming peers in the thematic fund segment. The DSP Focus and Top 100 Funds demonstrate consistency with a concentrated yet high-conviction approach suitable for focused large-cap allocations.

 

Debt Schemes: DSP offers several debt schemes, ideal for conservative investors seeking income stability:

 

Debt Schemes1 Yr3 YrTERCategory
DSP Credit Risk Growth Direct Plan23.38%14.88%0.40%Credit Risk Fund
DSP Gilt Growth Direct Plan13.56%9.24%0.56%Gilt Fund
DSP Floater Growth Direct Plan10.64%8.19%0.23%Floater Fund
DSP Strategic Bond Growth Direct Plan13.24%9.01%0.54%Dynamic Bond
DSP 10y G Sec Growth Direct Plan11.99%8.54%0.31%Gilt Fund with 10 year constant duration

Source: Kuvera, April 24, 2025.

 

DSP’s debt funds exhibit strong credit profiling, active duration management, and are guided by macroeconomic insights.

Within the fixed income space, DSP demonstrates a nuanced strategy with varied offerings. The Credit Risk Fund, while high on returns, is calibrated with tight credit evaluation. On the other hand, the Floater and Gilt Funds cater to conservative investors by providing lower interest rate sensitivity and government-backed security, respectively. The DSP Strategic Bond Fund is positioned as a dynamic product adjusting to interest rate cycles—suitable for tactical debt allocation.

 

Hybrid Schemes: DSP’s hybrid offerings combine debt and equity to create balanced portfolios:

 

Hybrid Schemes1 Yr3 YrTERCategory
DSP Aggressive Hybrid Growth Direct Plan20.07%17.38%0.70%Aggressive Hybrid Fund
DSP Equity Saving Growth Direct Plan12.95%11.31%0.41%Equity Savings
DSP Dynamic Asset Allocation Growth Direct Plan13.78%12.83%0.73%Dynamic Asset Allocation or Balanced Advantage
DSP Multi Asset Allocation Growth Direct Plan15.44%NA0.33%Multi Asset Allocation
DSP Regular Saving Growth Direct Plan12.36%10.42%0.50%Conservative Hybrid Fund

Source: Kuvera, April 24, 2025.

 

These funds are ideal for moderate-risk investors looking to benefit from market opportunities while cushioning volatility.

The hybrid schemes from DSP offer dynamic risk-reward combinations for varied risk appetites. The Aggressive Hybrid Fund is an equity-leaning option suitable for long-term wealth creation with relatively lower volatility than pure equity funds. The Equity Saving and Regular Saving Funds focus on conservative investors, with an emphasis on income generation. Notably, the DSP Dynamic Asset Allocation Fund adjusts allocations based on market conditions, providing a tactical edge to long-term investors.

 

Other Offerings

DSP also offers passive solutions such as index funds and ETFS, and global diversification through international fund of funds. These help investors access low-cost, rule-based, and global investment strategies.

 

Why Choose DSP Mutual Fund?

 

There are several compelling reasons why DSP MF continues to earn the trust of investors:

 

1. Experienced Management

The fund house is run by professionals with decades of experience and a commitment to ethical investing.

 

2. Strong Performance Track Record

Schemes across equity, debt and hybrid categories show consistent returns over time.

 

3. Risk Management Focus

All investment decisions are driven by a deep emphasis on risk containment and capital preservation.

 

4. Investor Education & Tools

DSP offers rich content through blogs, videos, and webinars aimed at educating investors.

 

5. Online Tools & Calculators

DSP’s website provides a host of tools such as SIP calculators, goal planners, and risk profilers, enabling investors to make informed decisions.

 

6. Transparency and Governance

DSP prides itself on transparency, with detailed fund factsheets, regular performance updates, and open communication with stakeholders.

 

7. Digital Ease of Access

From eKYC to paperless transactions, the DSP platform ensures a seamless digital investment journey.

 

 

Wrapping Up

 

DSP Mutual Fund exemplifies trust, discipline, and performance in India’s mutual fund landscape. With a clear philosophy of doing what is right for the investor, backed by a strong and ethical fund management team, DSP AMC has carved a niche for itself among both retail and institutional investors.

Its diverse portfolio of schemes, forward-thinking digital platforms, robust investor support, and focus on risk-adjusted returns make it a compelling choice for investors looking for reliability and growth. Whether you are a first-time investor or a seasoned portfolio builder, DSP Mutual Fund offers the expertise and ecosystem to help you achieve your financial goals prudently and confidently.

 

 

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AREVUK Advisory Services Pvt Ltd | SEBI Registration No. INA200005166
DISCLAIMER: Mutual Fund investments are subject to market risks. Read all scheme related documents carefully. Registration granted by SEBI, membership of BASL (in case of IAs) and certification from NISM in no way guarantee performance of the intermediary or provide any assurance of returns to investors. Investments in securities market are subject to market risks. Read all the related documents carefully before investing. The securities quoted are for illustration only and are not recommendatory.

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