DSP Banking and PSU Debt Fund

Regular Plan · Growth · Banking & PSU · Scheme code 124172

NAV₹25.1534as on 27 Oct 2026

Fund houseDSP Mutual Fund

CategoryBanking & PSU

Plan & optionRegular · Growth

History12.9 years

Returns (%)

	1M	3M	6M	1Y	3Y	5Y	7Y	10Y	Launch
This scheme	-0.11	2.26	2.06	4.63	6.71	5.76	6.32	6.70	7.43
Banking & PSU category median	—	—	—	3.76	6.50	5.77	—	6.59	—

Over a year annualised (CAGR), under a year absolute. Computed from AMFI's published NAV history for this scheme.

Risk

	Volatility	Sharpe	Sortino	Beta	Alpha	Max fall	R²
This scheme	2.1%	0.10	0.15	—	—	-3.1%	—

Risk-free rate 6.5%. Beta, alpha and R² are regressed on the — months this scheme and its benchmark share.

Growth of ₹100 since launch

Drawdown from peak (%)

Every one-year period it has lived through

Windows	Worst	Median	Best	Periods that lost money
2,897	1.8%	7.6%	12.8%	0%

Every one-year holding period in this scheme's history, not just the last one — the spread a real investor would have met depending only on when they started.

DSP Banking and PSU Debt Fund

Regular Plan · Growth

Allocation

By asset

Debt	99.28%
AIF Units	0.47%
Cash & Equivalents	0.25%

By market cap

Unclassified	99.77%

Concentration

Number of stocks	43
Top 5 stocks	21.74%
Top 10 stocks	40.26%
Top 20 stocks	66.97%
Lines in the filing	45

Largest holding	4.96%
Largest sector	CRISIL AAA 65.86%
Effective stocks	34.5
Sectors held	7
Cash	0.25%

Effective stocks is what the concentration works out to: a fund holding 43 names but most of its money in a few behaves like a fund of 35. Cash includes repo and TREPS, which every fund parks money in overnight.

Sector split

CRISIL AAA	65.86%
Sovereign	12.33%
IND AAA	8.97%
ICRA AAA	4.72%
ICRA A1+	4.59%
CRISIL A1+	2.81%
Unclassified	0.47%
Cash & Equivalents	0.25%

DSP Banking and PSU Debt Fund

Regular Plan · Growth · holdings

Top 30 holdings

#	Company	Sector	Shares held	Value ₹ cr	% of fund
1	HDFC Bank Limited	CRISIL AAA	12,500	128	4.96%
2	Union Bank of India	ICRA A1+	2,500	119	4.59%
3	Bharti Telecom Limited	CRISIL AAA	10,000	106	4.10%
4	GAIL (India) Limited	IND AAA	1,000	105	4.07%
5	Bharti Telecom Limited	CRISIL AAA	10,000	104	4.02%
6	Small Industries Development Bank Of India	CRISIL AAA	10,000	102	3.96%
7	Export-Import Bank Of India	CRISIL AAA	10,000	102	3.94%
8	Small Industries Development Bank Of India	CRISIL AAA	10,000	100	3.87%
9	7.08% Haryana SDL 26032039	Sovereign	10,500,000	98	3.79%
10	National Housing Bank	IND AAA	7,500	77	2.96%
11	Power Grid Corporation of India Limited	CRISIL AAA	750	77	2.95%
12	Power Finance Corporation Limited	CRISIL AAA	750	76	2.93%
13	REC Limited	CRISIL AAA	7,500	76	2.92%
14	Tata Capital Housing Finance Limited	CRISIL AAA	7,500	75	2.90%
15	HDFC Bank Limited	CRISIL AAA	750	75	2.88%
16	Punjab National Bank	CRISIL A1+	1,500	73	2.81%
17	6.90% GOI 15042065	Sovereign	7,500,000	70	2.69%
18	Power Finance Corporation Limited	CRISIL AAA	6,500	62	2.41%
19	Indian Railway Finance Corporation Limited	CRISIL AAA	500	55	2.12%
20	National Bank for Financing Infrastructure and Development	CRISIL AAA	5,500	54	2.10%
21	Power Finance Corporation Limited	CRISIL AAA	500	53	2.04%
22	7.32% GOI 13112030	Sovereign	5,000,000	52	2.01%
23	Power Finance Corporation Limited	CRISIL AAA	5,000	52	2.00%
24	Indian Railway Finance Corporation Limited	CRISIL AAA	5,000	52	1.99%
25	REC Limited	CRISIL AAA	5,000	51	1.98%
26	Power Grid Corporation of India Limited	CRISIL AAA	5,000	51	1.98%
27	Power Grid Corporation of India Limited	CRISIL AAA	5,000	51	1.96%
28	State Bank Of India	IND AAA	5,000	50	1.94%
29	7.43% Maharashtra SDL 03122040	Sovereign	5,000,000	49	1.90%
30	State Bank Of India	ICRA AAA	5,000	49	1.87%

DSP Banking and PSU Debt Fund

Regular Plan · Growth · where the money sits

What the manager did last month

Between the filings of 30 Jun 2026 and 31 Jul 2026. A position grows because the manager bought or because the price rose; only the share count separates them.

Bought	Sold	New positions	Sold out of	Price move of holdings
₹80 cr	₹33 cr	6	6	+0.13%

Stock	Shares traded	Shares	Price	Value ₹ cr
New position
Export-Import Bank Of India	10,000	entered	—	103
REC Ltd	5,000	entered	—	50.0
Bank of Baroda	500	entered	—	24.4
Export-Import Bank Of India	500	entered	—	24.2
Punjab National Bank	500	entered	—	24.2
Indian Bank	500	entered	—	23.5
Added to
HDFC Bank Ltd	500	+200.0%	-0.3%	53.9
National Housing Bank	2,500	+50.0%	+0.2%	25.8
Trimmed
Tata Capital Ltd	200	-50.0%	+0.6%	27.5
7.24% GOI 18082055	500,000	-3.3%	-1.3%	5.0
Sold out of
REC Limited	7,500	exited	—	77.3
Small Industries Development Bank of India	5,000	exited	—	52.9
Small Industries Development Bank of India	5,000	exited	—	51.4
Tata Capital Housing Finance Limited	250	exited	—	26.8
ICICI Securities Limited	500	exited	—	24.8
7.48% Uttar Pradesh SDL 2044	500,000	exited	—	5.0

The list above is stocks and fund units. Treasury bills, repo and money-market lines roll over every month by design — they are not decisions, so they are totalled here rather than listed as activity.

A ₹10,000 monthly SIP over five years

Invested	Value	Gain	XIRR
₹600,000	₹702,679	₹102,679	6.26%

XIRR, not CAGR — a SIP's money arrives over sixty months, so each instalment has been invested for a different length of time.

Not investment advice. InvestVerdict is not a SEBI-registered Investment Adviser or Research Analyst. Every figure is computed from AMFI's published NAV history and the portfolio the AMC filed with AMFI; none of it is a recommendation to buy, hold or sell. Past returns do not predict future ones. Generated 28 Oct 2026.