DSP Banking and PSU Debt Fund · Regular · Growth
NAV
₹25.3568
as of 13 Nov 2026
Expense Ratio
0.58%
AUM
₹3,150 Cr
Lumpsum returns (CAGR)
- 1Y
- +3.14%
- 3Y
- +6.42%
- 5Y
- +5.69%
- Since Inception
- +7.32%
SIP returns (XIRR)
- 1Y
- +3.39%
- 3Y
- +5.20%
- 5Y
- +5.84%
- Since Inception
- +6.58%
What history actually did — last 10 years (Nov 2016 – Nov 2026)
A ₹5,000 monthly SIP for the last 10 years (Nov 2016 – Nov 2026)
Real NAV backtest
A ₹5,000 monthly SIP would be worth ₹8,19,978 today — ₹6,00,000 invested, 6.2% XIRR.
₹6,00,000
Invested
₹8,19,978
Value today
6.2%
XIRR (p.a.)
A ₹1,00,000 lumpsum, the last 10 years (Nov 2016 – Nov 2026)
Real NAV backtest
₹1,00,000 invested 10 years ago would be ₹1,86,329 today (6.4% CAGR).
A regular withdrawal plan (SWP)
Real NAV backtest
A ₹10,00,000 corpus withdrawing ₹5,000/month since Nov 2016 would still hold ₹10,43,315.
Buying the worst day
Real NAV backtest
₹1,00,000 invested on the worst market day of the last 10 years (Nov 2016 – Nov 2026) (22 Mar 2020) would be ₹1,51,289 today (1.51×).
Historical simulation using actual published NAVs for the stated period. Past performance may or may not be sustained in the future. Not investment advice.
Risk Metrics
Trailing 1 year, annualised-1.86
Sharpe Ratio
—
Alpha
—
Beta
-1.77
Sortino
1.54%
Std Dev
-1.26%
Max Drawdown
Performance Comparison
Related reading
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Fund Details
Available transactions
Portfolio holdings
- 1Hdfc Bank Limited**4.96%
- 2Union Bank Of India**4.59%
- 3Bharti Telecom Limited**4.10%
- 4Gail (India) Limited**4.07%
- 5Bharti Telecom Limited**4.02%
- 6Small Industries Development Bank Of India**3.96%
- 7Export-Import Bank Of India**3.94%
- 8Small Industries Development Bank Of India**3.87%
- 97.08% Haryana Sdl 260320393.79%
- 10National Housing Bank**2.96%
What this fund does
DSP Banking and PSU Debt Fund · Regular · Growth by DSP Mutual Fund is a Banking & PSU Debt fund that aims to generate optimal returns for investors based on its investment mandate. The fund follows a disciplined investment process aligned with SEBI regulations for the Banking & PSU Debt category.
About This Fund
DSP Banking and PSU Debt Fund · Regular · Growth is a Banking & PSU Debt mutual fund offered by DSP Mutual Fund. The fund has been operational for over 13 years. It manages assets worth ₹3,150 Cr, reflecting investor confidence in the fund's strategy. It benchmarks its performance against Nifty Banking & PSU Debt Index A-II. The current expense ratio is 0.58%.