DSP Banking & PSU Debt Fund - Regular Plan - Growth
₹24.7623
₹0.02 (+0.07%)
NAV as of 29 May 2026
Today's NAV — all variants
Regular · Growth
₹₹24.7623
₹0.02 (+0.07%)
29 May 2026
AMFI: 124172
Direct · Growth
₹₹25.7028
₹0.02 (+0.07%)
29 May 2026
AMFI: 124175
Regular · IDCW
₹₹10.3651
₹0.01 (+0.06%)
29 May 2026
AMFI: 124174
Direct · IDCW
₹₹10.3731
₹0.01 (+0.07%)
29 May 2026
AMFI: 124178
Returns (Lumpsum)
CAGR for periods ≥ 1 yearSIP Returns (XIRR)
₹1,000/month SIP, annualisedSIP since inception — what ₹100/month became
Real NAV backtest from day one
₹15,200
Invested
₹23,546
Value today
6.7%
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
₹247
Value today
7.4%
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
₹7,60,000
Withdrawn
₹12,96,483
Corpus left
+₹10,56,483 net gain — withdrew ₹7,60,000 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
₹1,47,742
Value today
1.5×
Multiple
Staying invested through that crash turned ₹1L into ₹1,47,742 — a 1.5× return
Read: Staying invested through crashesDirect vs Regular — ₹500/month over 10 years
Expense ratio drag on your actual returns
Direct plan
₹85,124
Regular plan
₹83,842
Direct earns ₹1,282 more on a ₹60K investment — 0.21% extra return per year
Same fund, same NAV history — only the expense ratio differs. Direct plans always outperform Regular over time.
Learn about Direct vs Regular plansFund Details
Risk Metrics
Trailing 1 year, annualised-0.80
Sharpe Ratio
—
Alpha
—
Beta
-0.83
Sortino
1.54%
Std Dev
-1.11%
Max Drawdown
Portfolio Holdings
Top 50 holdings · as of Apr 2026
| Security | % NAV |
|---|---|
National Bank for Agriculture and Rural Development INE261F08EG3 | 3.89% |
National Bank for Agriculture and Rural Development INE261F08EG3 | 3.69% |
HDFC Bank Limited** INE040A08955 | 3.17% |
HDFC Bank Limited** INE040A08955 | 3.10% |
Small Industries Development Bank of India** INE556F08KK5 | 3.08% |
Indian Railway Finance Corporation Limited** INE053F08403 | 3.06% |
Bharti Telecom Limited** INE403D08272 | 3.05% |
GAIL (India) Limited** INE129A08014 | 3.03% |
Small Industries Development Bank of India** INE556F08KK5 | 3.01% |
Bharti Telecom Limited** INE403D08280 | 3.00% |
Bharti Telecom Limited** INE403D08272 | 2.97% |
GAIL (India) Limited** INE129A08014 | 2.96% |
Bharti Telecom Limited INE403D08280 | 2.92% |
Indian Railway Finance Corporation Limited** INE053F08403 | 2.91% |
Power Grid Corporation of India Limited** INE752E08767 | 2.89% |
Power Grid Corporation of India Limited** INE752E07OF7 | 2.35% |
REC Limited** INE020B08FB0 | 2.35% |
Power Grid Corporation of India Limited** INE752E07OF7 | 2.30% |
REC Limited** INE020B08FB0 | 2.29% |
REC Limited** INE020B08EH0 | 2.24% |
National Bank for Agriculture and Rural Development INE261F08EM1 | 2.23% |
Power Finance Corporation Limited** INE134E08LN6 | 2.19% |
REC Limited INE020B08EH0 | 2.18% |
National Bank for Agriculture and Rural Development INE261F08EM1 | 2.18% |
Power Finance Corporation Limited** INE134E08LN6 | 2.15% |
Power Finance Corporation Limited** INE134E08NB7 | 1.95% |
Power Finance Corporation Limited** INE134E08NB7 | 1.91% |
Power Finance Corporation Limited** INE134E08MA1 | 1.64% |
Power Finance Corporation Limited** INE134E08MA1 | 1.61% |
National Bank for Financing Infrastructure and Development** INE0KUG08068 | 1.58% |
Bajaj Finance Limited INE296A07TJ4 | 1.58% |
Indian Railway Finance Corporation Limited** INE053F07AY7 | 1.57% |
National Housing Bank** INE557F08FX6 | 1.55% |
Indian Railway Finance Corporation Limited** INE053F08320 | 1.55% |
National Bank for Agriculture and Rural Development INE261F08EO7 | 1.54% |
REC Limited INE020B08FL9 | 1.54% |
Bajaj Finance Limited INE296A07TJ4 | 1.54% |
National Bank for Financing Infrastructure and Development** INE0KUG08068 | 1.54% |
Indian Railway Finance Corporation Limited** INE053F07AY7 | 1.54% |
| Security | % NAV |
|---|---|
6.90% GOI 2065 IN0020250018 | 6.04% |
6.90% GOI 2065 IN0020250018 | 5.34% |
7.62% Uttar Pradesh SDL 2041 IN3320250233 | 3.00% |
7.08% Haryana SDL 2039 IN1620240367 | 2.93% |
HDFC Bank Limited** INE040A16HR5 | 2.88% |
HDFC Bank Limited** INE040A16HR5 | 2.80% |
Bank of Baroda** INE028A16LI1 | 2.79% |
Bank of Baroda** INE028A16LI1 | 2.72% |
7.66% Maharashtra SDL 2047 IN2220250509 | 2.20% |
7.66% Maharashtra SDL 2047 IN2220250509 | 2.14% |
7.32% GOI 2030 IN0020230135 | 1.56% |
Performance Comparison
Interested in This Fund?
Our experts will help you decide if this fund fits your goals.
Investment Objective
DSP Banking & PSU Debt Fund - Regular Plan - 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 & PSU Debt Fund - Regular Plan - 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