DSP Banking & PSU Debt Fund Direct Growth

DSP Banking & PSU Debt Fund Direct Growth

Debt

DSP Mutual Fund

Banking & Psu

Get the latest NAV of DSP Banking & PSU Debt Fund Direct Growth. View historical returns compared to its benchmark and category average. Know which stocks and sectors the fund is investing in. Get an estimate of returns from the SIP and lump sum returns calculator. View detailed holding analysis and peer comparison. Get INDmoney ranking of the fund.

₹25.08

▼-0.1%1D

NAV as on 18 Aug 2025

8.02%/per year

Since Inception

Absolute Gain%

▲▼

108 people have invested ₹ 8.7L in DSP Banking & PSU Debt Fund Direct Growth in the last three months

DSP Banking & PSU Debt Fund Performance vs. Banking and PSU Index

Fund returns vs Benchmark returns vs Category Average returns as on (18-Aug-25)

Period
1M
3M
6M
1Y
3Y
5Y
This Fund
-0.19%
0.41%
4.29%
8.32%
7.57%
6.14%
Banking & Psu Avg
0.02%
0.95%
4.38%
8.17%
7.21%
5.89%
Best in Banking & Psu
0.32%
1.77%
4.95%
9.02%
8.11%
7.23%
Worst in Banking & Psu
0.02%
0.76%
3.97%
7.8%
7.31%
5.68%
Category Rank
10/12
11/12
12/12
12/12
8/11
--

DSP Banking & PSU Debt Fund Ranking and Peer Comparison

Ranked based on performance, risk management and cost efficiency

12
/12
49% Performance
46% Risk Management
41% Cost

Ranked 12 out of 12 mutual funds in the banking & psu category as per INDmoney.

Fund Name
INDmoney Rank
AUM (in Crs.)
Expense Ratio
1Y Returns
3Y Returns
3Y Alpha
3Y Beta
3Y Sharpe
3Y Sortino
3Y Info Ratio
DSP Banking & PSU Debt Fund
12/12
4,760Cr
0.33%
8.32%
7.57%
-0.34
1.50
0.69
1.28
0.11
Kotak Banking and PSU Debt Fund Direct Growth
1/12
5,983Cr
0.4%
8.6%
7.86%
0.20
1.18
1.18
2.87
0.65
HDFC Banking & PSU Debt Fund Direct Growth
2/12
5,935Cr
0.39%
8.67%
7.76%
0.08
1.19
1.10
2.56
0.50
ICICI Prudential Banking and PSU Debt Fund Direct Growth
3/12
10,354Cr
0.39%
8.54%
8.02%
0.69
0.79
1.73
5.53
0.95
See all

DSP Banking & PSU Debt Fund Returns Calculator

Calculate SIP and lumpsum returns based on historical performance

  • 1-time

  • SIP

Total Investment

0

Profit

Total Corpus

0

Absolute Return
▲
▼

DSP Banking & PSU Debt Fund Asset Allocation

See fund asset allocation details as on (14-Aug-25)

Fund Distribution

as on (14-Aug-25)

Debt & Cash 99.8%

AAA
100%
Cash allocation has gone up from 13.6% to 15.5%
Cash allocation has gone up from 13.6% to 15.5%
Debt allocation has gone down from 86.2% to 84.3%
Debt allocation has gone down from 86.2% to 84.3%

DSP Banking & PSU Debt Fund Sector Allocation

See fund sector allocation details as on (14-Aug-25)

Sector Allocation

Debt & Cash 99.8%

Corporate
49.4%
Government
47.5%
Cash Equivalent
3%

Top 2 Sectors in July were Corporate, Government

Jul'25

Government

48%

Corporate

46%

Jun'25

Corporate

49%

Government

48%

DSP Banking & PSU Debt Fund Direct Growth Overview

Get key fund statistics, minimum investment details, AUM, expense ratio, exit load, and tax treatment.

Expense ratio0.33%
Benchmark
Nifty Banking & PSU Debt Idx A-II TR INR
AUM₹4760 Cr
Inception Date14 September, 2013
Min Lumpsum/SIP₹100/₹100
Exit Load0%
Lock InNo Lock-in
TurnOver
285.12%
Risk
Risk meter
pointer
Low Risk

About DSP Banking & PSU Debt Fund

DSP Banking & PSU Debt Fund Direct Growth is a debt fund. This fund was started on 14 September, 2013. The fund is managed by Sandeep Yadav, Shantanu Godambe. This fund is suitable to keep your money safe.

Key Parameters

  1. DSP Banking & PSU Debt Fund Direct Growth has ₹4760 Cr worth of assets under management (AUM) as on Aug 2025 and is more than category average.
  2. The fund has an expense ratio 0.3.

Returns

DSP Banking & PSU Debt Fund Direct Growth has given a CAGR return of 8.02% since inception. Over the last 1, 3 and 5 years the fund has given a CAGR return of 8.32%, 7.57% and 6.14% respectively.

Holdings

DSP Banking & PSU Debt Fund Direct Growth has allocated its funds majorly in Government, Corporate, Cash Equivalent. Its top holdings are 7.81% Govt Stock 2033, 6.33% Goi 2035, 6.9% Govt Stock 2065, National Bank For Agriculture And Rural Development, 8.3% Govt Stock 2042

Taxation

As it is a banking & psu mutual fund the taxation is as follows:
If the fund is debt oriented i.e. asset allocation of more than 65% in debt instruments:
Invested before 1 April 2023 and held for less than 24 months, STCG will be taxed at your income slab rate.
Invested before 1 April 2023 and held for more than 24 months, LTCG will be taxed at 12.5%.
Invested after 1 April 2023, capital gains will be taxed at your income slab rate.
Dividends will always be taxed at slab rate.

Investment objective of DSP Banking & PSU Debt Fund Direct Growth

The investment objective of the Scheme is to seek to generate income and capital appreciation by primarily investing in a portfolio of high quality debt and money market securities that are issued by banks and public sector entities/undertakings.

Minimum Investment and lockin period

Minimum investment for lump sum payment is INR 100.00 and for SIP is INR 100.00. DSP Banking & PSU Debt Fund Direct Growth has no lock in period.

Fund Manager

Sandeep Yadav

Fund Manager of DSP Banking & PSU Debt Fund Direct Growth, since 1 August 2024

Shantanu Godambe

Fund Manager of DSP Banking & PSU Debt Fund Direct Growth, since 1 June 2023

Learn more about DSP Mutual Fund
Parameters
Jul'25
Jun'25
May'25
AUM
₹ 4.8K Cr
₹ 4.2K Cr
₹ 4.1K Cr
  • AUM of the fund stands at 4.8K Cr as of Jul'25
  • AUM increased by 541.5 Cr between Jul'25 and Jun'25

Frequently Asked Questions for DSP Banking & PSU Debt Fund Direct Growth

How do I invest in DSP Banking & PSU Debt Fund?

INDmoney makes it simple to invest in the DSP Banking & PSU Debt Fund. To do so, follow the steps below:
  • Download the INDmoney app.
  • Search for ‘DSP Banking & PSU Debt Fund’.
  • Select whether you want to invest in SIP or lump sum.
  • Enter the amount you wish to invest.
  • Set up payments via bank mandate or UPI.

What is the current NAV of DSP Banking & PSU Debt Fund?

The NAV of the fund today is ₹25.08. NAV or Net Asset Value is the per unit price of a mutual fund. For example, if the NAV of a fund is ₹10, it means you can get 1000 units of that mutual fund at ₹10,000.

What is the return on the fund?

DSP Banking & PSU Debt Fund fund has generated a return of 8.32% in 1 year, 7.57% in 3 years, 6.14% in 5 years.

Who is the fund manager of DSP Banking & PSU Debt Fund?

The fund managers are Sandeep Yadav, Shantanu Godambe.

What is the expense ratio of the fund?

The expense ratio is 0.33%. The Expense Ratio is a fee charged for managing the fund. This includes commissions, administrative costs etc.

What is the AUM of the fund?

The AUM of the fund is ₹4760 Cr. AUM stands for Assets Under Management. It refers to the total assets managed by the fund.

What are the top holdings of DSP Banking & PSU Debt Fund?

The top 3 holdings of the fund are 7.81% Govt Stock 2033(5.61%), 6.33% Goi 2035(4.32%), 6.9% Govt Stock 2065(3.87%)