DSP Banking and PSU Debt Fund · Regular · Growth
NAV
₹25.0847
as of 17 Jun 2026
Expense Ratio
0.61%
AUM
₹3,691 Cr
Lumpsum returns (CAGR)
- 1Y
- +3.92%
- 3Y
- +6.74%
- 5Y
- +5.78%
- Since Inception
- +7.47%
SIP returns (XIRR)
- 1Y
- +4.40%
- 3Y
- +6.25%
- 5Y
- +6.30%
- Since Inception
- +6.81%
SIP since inception — what ₹100/month became
Real NAV backtest from day one
₹15,300
Invested
₹23,882
Value today
6.8%
XIRR (p.a.)
₹100/month SIP from fund inception · Current value as of today
Try SIP Calculator with this fund's history₹100 lumpsum at launch — value today
Invested on the fund's first NAV date
₹100
Invested
₹250
Value today
7.5%
CAGR (p.a.)
One-time investment at fund inception · Growth purely from NAV appreciation
Try Lumpsum Calculator₹10L corpus with ₹5,000/month withdrawals since inception
Corpus is still growing despite monthly payouts
₹10,00,000
Initial corpus
₹7,65,000
Withdrawn
₹13,04,336
Corpus left
+₹10,69,336 net gain — withdrew ₹7,65,000 AND corpus grew
Plan your SWP with real NAV₹1 lakh on the worst crash day — 22 Mar 2020
Worst single-day Nifty drop during this fund's life
₹1,00,000
Invested
₹1,49,212
Value today
1.5×
Multiple
Staying invested through that crash turned ₹1L into ₹1,49,212 — a 1.5× return
Read: Staying invested through crashesRisk Metrics
Trailing 1 year, annualised-0.32
Sharpe Ratio
—
Alpha
—
Beta
-0.34
Sortino
1.58%
Std Dev
-1.11%
Max Drawdown
Performance Comparison
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Fund Details
Available transactions
Portfolio holdings
- 16.90% Goi 20656.04%
- 2National Bank For Agriculture And Rural Development3.69%
- 3Hdfc Bank Limited**3.17%
- 4Small Industries Development Bank Of India**3.08%
- 5Bharti Telecom Limited**3.05%
- 6Gail (India) Limited**3.03%
- 7Bharti Telecom Limited**3.00%
- 87.08% Haryana Sdl 20392.93%
- 9Indian Railway Finance Corporation Limited**2.91%
- 10Hdfc Bank Limited**2.88%
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 ₹3,691 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