DSP Banking and PSU Debt Fund · Regular · Growth
NAV
₹25.2861
as of 30 Sept 2026
Expense Ratio
0.61%
AUM
₹3,373 Cr
Lumpsum returns (CAGR)
- 1Y
- +3.81%
- 3Y
- +6.51%
- 5Y
- +5.69%
- Since Inception
- +7.37%
SIP returns (XIRR)
- 1Y
- +3.69%
- 3Y
- +5.54%
- 5Y
- +5.98%
- Since Inception
- +6.65%
What history actually did — last 10 years (Oct 2016 – Sept 2026)
A ₹5,000 monthly SIP for the last 10 years (Oct 2016 – Sept 2026)
Real NAV backtest
A ₹5,000 monthly SIP would be worth ₹8,17,022 today — ₹5,95,000 invested, 6.3% XIRR.
₹5,95,000
Invested
₹8,17,022
Value today
6.3%
XIRR (p.a.)
A ₹1,00,000 lumpsum, the last 10 years (Oct 2016 – Sept 2026)
Real NAV backtest
₹1,00,000 invested 10 years ago would be ₹1,88,562 today (6.6% CAGR).
A regular withdrawal plan (SWP)
Real NAV backtest
A ₹10,00,000 corpus withdrawing ₹5,000/month since Oct 2016 would still hold ₹10,68,594.
Buying the worst day
Real NAV backtest
₹1,00,000 invested on the worst market day of the last 10 years (Oct 2016 – Sept 2026) (22 Mar 2020) would be ₹1,50,867 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-0.91
Sharpe Ratio
—
Alpha
—
Beta
-0.91
Sortino
1.65%
Std Dev
-1.11%
Max Drawdown
Performance Comparison
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Fund Details
Available transactions
Portfolio holdings
portfolio shared with DSP Banking and PSU Debt Fund - Direct Plan - IDCW
- 16.94% Goi 110520366.24%
- 2Punjab National Bank5.91%
- 3Hdfc Bank Limited**3.91%
- 4Bharti Telecom Limited**3.23%
- 5Gail (India) Limited**3.21%
- 6Bharti Telecom Limited**3.17%
- 77.08% Haryana Sdl 260320393.15%
- 8Export-Import Bank Of India**3.13%
- 9Small Industries Development Bank Of India**3.10%
- 10Small Industries Development Bank Of India**3.06%
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 ₹3,373 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%.