DSP Mutual Fund- A Complete Guide 2025
Mutual funds will constitute a serious part of the investment portfolio of millions of Indians in 2025 and DSP mutual funds will have acquired a good reputation among new investors and among the experienced investors. DSP has been focusing on providing clear and powerful investment solutions and in this regard; it has an array of funds that suit various financial needs. This guide will discuss what make DSP Mutual Funds special, and its highlights, strengths and weaknesses and the comparison with other major fund houses in India.
What is DSP Mutual fund and why so popular in 2025?
One of the most recommended asset management companies in India is DSP Mutual funds with an asset value of more than INR 1.5 lakh crore by the early part of 2025. DSP is further reputed to possess a wide variety of funds that satisfy the equilibrium, debt and hybrid investment requirements, along with its professional fund management and investor-first practices.
These high performing plans, automatic online registration, and flawless track record of delivering returns during market cycles drive their success in 2025. The flexibility of the plans provided by DSP, be it SIPs or long term wealth creators, is particularly gratifying to the investors in a market that must strike a balance between security and development.
People also ask:
Who owns DSP Mutual Funds?
DSP Mutual Fund is turned around by DSP investment managers Pvt Ltd, which is an arm of the DSP group and has a 150-year history of Indian finance.
Did you know?
DSP Balanced Advantage Fund was among the top three highest growth hybrid funds in terms of growth in AUM within the fiscal year 2023 to 2025.
What are the Compound Characteristics or Strengths of DSP Mutual Funds?
During the selection of a mutual fund one must understand the distinguishing characteristics. DSP Mutual Funds will stand out in a variety of ways in 2025:
- Diverse Product line: DSP has more than 35 open ended funds that include large cap, mid cap, small cap stocks, fixed income plans, hybrid plans, index funds, and international options.
- Proven Fund Management Team: DSP fund managers have been reputed to be managed by skilled professionals with research and active asset placement strategies.
- Digital Accessibility: DSP Mutual Funds can invest comfortably into its 2025 digital interface using their convenient mobile application and Web site, through which it can conveniently create SIPs and monitor their portfolios due to easy KYC.
- Investor-Centric Transparency: Investors receive regular updates by way of monthly fact sheets, risk disclosures and by performance insight.
- Corporate Social Responsibility: ESG (Environmental, Social, and Governance) screening is another emerging topic; several schemes are applying the ESG integration by 2025.
- SWP and STP Flexibility: Both the retiree and growth investor are helped to tailor their cashflows or risk management by using Flexible Systematic Withdrawal Plan and Systematic Transfer Plans.
Comparison Table
| Close S-2483-254-254 Feature | DSP Mutual funds 2025 | Top Peer (ABC Mutual) |
|---|---|---|
| Schemes Offered | 35+ | 41 |
| AUM (2025) | 1.57 lakh crore | 2.12 lakh crore |
| Digital App Rating | 4.6/5 | 4.4/5 |
| Minimum SIP Amount | INR 100 | INR 100 |
| ESG Integration | Yes (7 schemes) | Yes (6 schemes) |
| Fund Manager Avg Tenure | 7.3y | 6.2y |
People also ask:
What is the best DSP mutual funds returns?
DSP Midcap Fund and DSP Tax Saver fund have been highly stable yet returns differ annually in accordance to market conditions.
Experts Insight
Arvind Rao, a financial planner in Mumbai says that DSP mutual funds will be attractive to long term investors since they do not want the best returns but the returns that are adjusted to risk.
How does DSP Mutual Funds perform to the different types of investors?
DSP has created a portfolio of funds that serve all types of different investors including ultra-conservative to high growth seekers.
For Conservative Investors:
- Short Duration Fund
- Low Liquid and Low Duration Funds.
- Money Manager Fund
For Moderate Investors:
- Balanced Advantage Fund
- Equity and Bond Fund
- Aggressive Hybrid Fund
For Aggressive Investors:
- DSP Small Cap Fund
- DSP Midcap Fund
- International Equity Fund
The DSP SIPs are specifically popular among the young professionals who can invest as low as INR 100 per month. SIP plan can be applied in accumulating money, cost averaging of rupees and inculcation of disciplined investing habits.
What Benefits and drawbacks of investing in DSP Mutual Funds?
It is only through the strengths and the weaknesses that informed decision making in investments is possible.
Pros
- Professional and trusted asset management.
- Excellent history in equity and hybrid portfolio.
- Wide range of product choice considering passive and foreign funds.
- Sound risk management and processes.
- Easy access of online account through electronic platform.
- SIPs and lumpsum minimum levels of investments are low.
- ESG sustainable and responsible investment at Target.
Cons
- Certain investment might have more expense ratios, as compared to index options.
- Not all the schemes perform better than benchmarks yearly.
- The inability to access thematic or sector funds in comparison with other funds.
- The performance history is not in any way promising in future.
People also ask:
Do we invest in DSP Mutual Funds?
DSP is controlled by SEBI and thus it is a safe and well oriented fund house. Fund performance involves market risk, however.
Did you know?
Over 18 lakh individual investors have more than 18 lakh SIPs at DSP Mutual Funds.
What Has DSP Mutual Fund done in the past Few Years?
Performance measures are normally the long term returns and market cycle resistance.
- Equity Schemes: During the last 5 years, DSP Midcap Fund has provided over 17 per cent returns annually, outstripping the majority of midcap investments.
- Balanced Advantage Fund: The Balanced Advantage Fund has continuously been ranked within the top quartile on the basis of risk adjusted return.
- Debt Funds: DSP Short Term Fund and Liquidity Fund both had low default risk and above average category yield.
- Index Funds and Passive funds:
by 2024 and 2025: Bigger inflows have also led to DSP Nifty 50 Index Fund which are closely related to benchmark returns.
Performance Table (2020-2025)
| Name of fund | Annualised return 5 years old | Category Avg Return. |
|---|---|---|
| DSP Midcap Fund | 17.4 percent | 16.1 percent. |
| DSP Tax Saver Fund (ELSS) | 15.6 percent | 14.2 percent. |
| DSP Balanced Advantage Fund | 11.9 percent | 10.7 percent |
| DSP Short term fund | 7.2 per cent | 6.6 per cent. |
Where to start investing with DSP Mutual Funds in 2025?
Investing in DSP Mutual Funds in 2025 will be easy because the mutual fund businesses will be on the digital frontline:
- Install the DSP Mutual Fund application or come to their web site.
- complete the eKYC with Aadhaar and PAN.
- Select a scheme based on your financial objective and risk profile.
- Choose either the lumpsum or SIP mode.
- Check your portfolio and purchase and sell via internet or offline agents.
KYC process complies with the new CKYC standards which makes first time investor onboarding faster. Investors can also have access to investment schemes through the best online portals or through independent financial advisors.
Experts Insight
An example of a good place to start in DSP is a diversified equity or balanced fund in the event that an individual is a novice. This is to review the performance and risk parameters as well as not just the star rating, says Ritu Garg, CFA, Lucknow.
People also ask:
Does DSP Mutual funds have any exit/entry charges?
Most DSP equity funds do not have an entry load, some of them can have exit loads, in the event that they are redeemed within 1 year.
In what way is DSP mutual funds investment taxed?
Taxation of mutual funds in India in 2025 will be done by SEBI and CBDT regulations:
- Equity Funds: Taxes as specified in the Long term capital gain (LTCG) tax would be 10 percent tax in addition to INR 1 lakh gain per annum on investments exceeding one year. There is 15 percent tax on short term capitals.
- Debt Funds: The annual gains, putting aside the period of holding, since 2023 is taxed according to the slab rate on the non-equity plans and indexation benefit is removed.
- ELSS (Tax Saver) Funds: Under section 80 C an amount of INR 1.5 lakh invested in a year is eligible to tax deduction.
- Income of an investor is the dividend, and is taxed as per his slab. TDS can only be used on NRIs.
What will be the position of DSP with the other major mutual fund houses in the year 2025?
A realistic comparison will help investors to pursue the best AMC: to determine which one is the best choice.
| parameter | DSP MF | HDFC MF | SBI MF | UTI MF. |
|---|---|---|---|---|
| AUM (2025) | 1.57 lakh cr | 4.13 lakh cr | 8.41 lakh cr | 2.20 lakh cr |
| No. of Schemes | 35+ | 62+ | 100+ | 55+ |
| Digital Innovation | Excellent | Good | Very Good | Good |
| SIP Investors (lakh) | 18 | 32 | 43 | 17 |
| Avg Expense Ratio | 1.29 percent | 1.25 percent | 1.32 percent | 1.28 percent |
| No. of ELSS Funds | 1 | 2 | 3 | 1 |
Did you know?
DSP was among the earliest Indian AMCs to use the ESG criteria in the selection of mid cap and large cap funds in the year 2021.
How much DSP Mutual Funds Paperwork and Qualification is needed to invest in?
DSP needs standard documentation to invest in:
- PAN Card
- There shall be evidence of residence (Aadhaar or Passport)
- The details of the bank account (redemption credit).
- Photograph
- Compliance with CKYC
They can be resident Indians, NRIs, minors through the guardians, and HUFs and are free to invest as long as they have met the KYC requirements. This is because NRIs can invest through NRE or NRO account.
People also ask:
How do I redeem my DSP Mutual Fund units?
Redemption is possible on-line or through an intermediary. The funds will be deposited in your registered bank account on the T plus two business days.
What is the price of DSP Mutual Funds?
DSP mutual funds have the following charges:
- Expense ratio: Index funds vary by a range of 0.15 percent, to small cap and active equity funds of 2.1 percent.
- Investment and exit loads are charged GST.
- Exit loads: most equity fund impose an exit load of 1 percent on those units sold in 12 months; zero exit load after 1 year.
- No entry load for any fund.
These are charges that are comparable to other market leaders of Indian mutual funds.
TLDR or Quick Recap
- DSP Mutual funds is a well recognized Indian fund house with an extensive range of mutual fund schemes that can suit any investor.
- DSP has good scores in digital access in 2025, professional management and solid options of investments in a range of equity and hybrid or liquid.
- They have their money (SIPs included) at manageable minimums and they are known to be consistent and risk averse.
- DSP mutual funds can also be issued to those investors who want to create wealth, tax saving or liquidity both the novice and the seasoned investor.
- Equity schemes and debt schemes will not be taxed in the same manner as shown in the 2025 tax regulations, they must always consider how schemes are taxed.
- Compare over time to make a decision on features, risks and returns over time.
People Also Ask (FAQs)
How is it the best scheme in DSP Mutual Fund being an amateur?
A starting point might be the DSP Equity and Bond Fund or DSP Midcap Fund SIPs which is a combination of growth and stability.
Will the NRIs invest in the DSP Mutual Funds in 2025?
Yes, NRIs can invest in most of the DSP schemes either by NRE or NRO accounts after making proper KYC.
Are DSP Mutual Funds great retirement planners?
Absolutely. The DSP Balanced Advantage or Equity Savings Fund is the most popular to plan on corpus retirement of 10 to 20 years.
What has DSP Midcap performed relative to other companies?
DSP Midcap Fund is also one of the 5 most frequent funds that will outperform in 2021- 2025.
What is the starting of SIP in DSP mutual fund online?
Register with DSPMF app/ web site, perform eKYC, choose scheme and open SIP - in most cases, less than 10 minutes.
Missing a payment on SIP in DSP?
A late SIP instalment does not presuppose fine and successive late payments even lead to the mandate being deactivated.
Sources
- DSP mutual fund official web site.
- AMFI Smart Tracker on the performance of mutual funds.
- Mutual Funds SEBI Rules
- Comparison of Moneycontrol Mutual Funds.
