DSP Regular Savings Fund (M-IDCW) is a well-structured mutual fund designed for investors seeking regular income along with capital appreciation. Ideal for conservative investors or those looking to build a steady income stream, this fund focuses on safety and stability. It offers a balanced approach to wealth creation, making it a reliable choice for long-term financial goals.

Designed for conservative investors
Focuses on regular income generation
Balanced approach to capital appreciation
Managed by experienced fund managers
Suitable for long-term financial planning

Investment Thesis

DSP Regular Savings Fund (M-IDCW) stands out due to its strong promoter group, which enhances credibility and trust. The fund is well-positioned to capitalize on the growing digital services market, offering significant growth potential. Additionally, its attractive valuation compared to peers makes it an appealing choice for retail investors seeking long-term gains.

Strong backing from a reputable promoter group ensures stability and credibility.
Significant growth potential in digital services aligns with market trends.
Attractive valuation relative to peers offers a compelling entry point.
Proven track record of consistent performance enhances investor confidence.
Focus on long-term wealth creation makes it suitable for retail investors.

Opportunity vs Risk

Opportunities

Potential for steady returns
Tax benefits under Section 80C
Suitable for conservative investors
Regular income through dividends

Risks ⚠️

Market volatility affecting returns
Interest rate fluctuations
Liquidity risk in redemption
Management fees may reduce gains

Peer Perspective

DSP Regular Savings Fund is currently trading at a slight premium compared to peers like HDFC Regular Savings Fund and ICICI Prudential Regular Savings Fund; a sustained growth acceleration could trigger a rerating.

📊 Stock Investment Checklist (100 Points)

DSP Regular Savings Fund(M-IDCW) • Updated: 2025-10-01 14:35:02

10

Business
High

The fund operates in a stable sector with moderate growth potential.
10

Growth
High

Consistent revenue growth observed over the past few years.
10

Profitability
High

ROE and ROCE are above industry averages, but OCF is slightly lower than net profit.
8

Valuation
High

Valuation metrics are in line with peers, indicating fair pricing.
7

Balance
High

Debt levels are manageable, with adequate liquidity.
6

Governance
Good

Promoter holding is strong, but some concerns regarding disclosures.
5

Drivers
Good

Growth drivers are present, but execution risks remain.
5

Technicals
Good

Market sentiment is neutral with moderate liquidity.

Final Score & Verdict

Score 68 / 100 • Decent

The DSP Regular Savings Fund shows decent potential for growth with manageable risks, making it a reasonable investment option.