DSP Banking and PSU Debt Fund · Regular · Growth
NAV
₹25.3566
as of 31 Jul 2026
Expense Ratio
0.61%
AUM
₹3,373 Cr
Lumpsum returns (CAGR)
- 1Y
- +4.47%
- 3Y
- +6.89%
- 5Y
- +5.88%
- Since Inception
- +7.49%
SIP returns (XIRR)
- 1Y
- +5.44%
- 3Y
- +6.44%
- 5Y
- +6.45%
- Since Inception
- +6.85%
What history actually did — last 10 years (Aug 2016 – Jul 2026)
A ₹5,000 monthly SIP for the last 10 years (Aug 2016 – Jul 2026)
Real NAV backtest
A ₹5,000 monthly SIP would be worth ₹8,28,255 today — ₹5,95,000 invested, 6.5% XIRR.
₹5,95,000
Invested
₹8,28,255
Value today
6.5%
XIRR (p.a.)
A ₹1,00,000 lumpsum, the last 10 years (Aug 2016 – Jul 2026)
Real NAV backtest
₹1,00,000 invested 10 years ago would be ₹1,92,780 today (6.8% CAGR).
A regular withdrawal plan (SWP)
Real NAV backtest
A ₹10,00,000 corpus withdrawing ₹5,000/month since Aug 2016 would still hold ₹10,99,549.
Buying the worst day
Real NAV backtest
₹1,00,000 invested on the worst market day of the last 10 years (Aug 2016 – Jul 2026) (22 Mar 2020) would be ₹1,51,288 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-0.10
Sharpe Ratio
—
Alpha
—
Beta
-0.11
Sortino
1.64%
Std Dev
-1.11%
Max Drawdown
Performance Comparison
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Fund Details
Available transactions
Portfolio holdings
- 1National Bank For Agriculture And Rural Development5.43%
- 27.24% Goi 20554.62%
- 36.90% Goi 20653.57%
- 4Bharti Telecom Limited3.16%
- 5Gail (India) Limited**3.15%
- 6Bharti Telecom Limited**3.12%
- 77.08% Haryana Sdl 20393.11%
- 8Hdfc Bank Limited**3.08%
- 9Small Industries Development Bank Of India**3.07%
- 10Small Industries Development Bank Of India3.05%
Investment Objective
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 12 years. It manages assets worth ₹3,373 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 0.61%.
Who Should Invest?
- •Investors with a high risk appetite seeking long-term wealth creation
- •Investors with an investment horizon of 5 years or more
- •SIP investors who can benefit from rupee cost averaging during market fluctuations