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InvestVerdict

DSP Banking and PSU Debt Fund

Regular Plan · Monthly IDCW · Banking & PSU · Scheme code 124180

NAV₹10.3867as on 28 Aug 2026
Fund houseDSP Mutual Fund
CategoryBanking & PSU
Plan & optionRegular · Monthly IDCW
History12.9 years

Returns (%)

 1M3M6M1Y3Y5Y7Y10YLaunch
This scheme -0.110.27-0.59 0.410.420.34 0.090.130.29
Banking & PSU
category median		 ——— 5.086.865.91 —6.88—

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

Risk

 VolatilitySharpeSortinoBetaAlphaMax fallR²
This scheme 2.9% -2.11 -2.39 — — -4.8% —

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

991011031052014201620182020202220242026InvestVerdict

Drawdown from peak (%)

0%-2%-3%-5%2014201620182020202220242026

Every one-year period it has lived through

WindowsWorstMedianBestPeriods that lost money
580 -3.3% 0.2% 2.5% 35%

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.

InvestVerdict

DSP Banking and PSU Debt Fund

Regular Plan · Monthly IDCW

Allocation

By asset

Debt98.08%
Cash & Equivalents1.56%
AIF Units0.36%

By market cap

Concentration

Number of stocks54
Top 5 stocks19.70%
Top 10 stocks35.21%
Top 20 stocks59.47%
Largest holding5.42%
Largest sectorCRISIL AAA 59.04%
Effective stocks41.7
Cash1.56%
InvestVerdict

DSP Banking and PSU Debt Fund

Regular Plan · Monthly IDCW · holdings

Top 18 holdings

#CompanySector% of fund
1— CRISIL AAA5.42%
2— Sovereign4.41%
3— Sovereign3.53%
4— CRISIL AAA3.18%
5— IND AAA3.16%
6— CRISIL AAA3.12%
7— CRISIL AAA3.12%
8— Sovereign3.12%
9— CRISIL AAA3.08%
10— CRISIL AAA3.07%
11— CRISIL AAA3.05%
12— IND A1+2.91%
13— CRISIL AAA2.44%
14— IND AAA2.34%
15— Sovereign2.34%
16— CRISIL AAA2.32%
17— CRISIL AAA2.31%
18— CRISIL AAA2.29%

Sector split

CRISIL AAA — 59.0%Sovereign — 16.5%IND AAA — 7.1%IND A1+ — 5.1%ICRA AAA — 4.6%CRISIL A1+ — 4.4%Other — 3.4%CRISIL AAA59.0%Sovereign16.5%IND AAA7.1%IND A1+5.1%ICRA AAA4.6%CRISIL A1+4.4%Other3.4%
CRISIL AAA59.04%
Sovereign16.50%
IND AAA7.07%
IND A1+5.11%
ICRA AAA4.55%
CRISIL A1+4.36%
Cash & Equivalents1.56%
ICRA A1+1.45%
Unclassified0.36%

A ₹10,000 monthly SIP over five years

InvestedValueGainXIRR
₹600,000 ₹606,724 ₹6,724 0.44%

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 1 Sep 2026.