DSP Banking & PSU Debt Fund Direct Monthly Reinvestment of Income Dist cum Cap Wdrl

DSP Banking & PSU Debt Fund Direct Monthly Reinvestment of Income Dist cum Cap Wdrl

Debt

DSP Mutual Fund

Banking & Psu

Get the latest NAV of DSP Banking & PSU Debt Fund Direct Monthly Reinvestment of Income Dist cum Cap Wdrl. 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.

₹10.37

▼-0.1%1D

NAV as on 13 Mar 2026

6.12%/per year

Since Inception

Absolute Gain%

▲▼

DSP Banking & PSU Debt Fund Direct Monthly Reinvestment of Income Dist cum Cap Wdrl Performance vs. Banking and PSU Index

Fund returns vs Benchmark returns vs Category Average returns as on (13-Mar-26)

The fund has consistently outperformed the benchmark (Banking and PSU Index) over the last 1Y, 3Y, 5Y time periods.

Period
1M
3M
6M
1Y
3Y
5Y
This Fund
0.1%
0.71%
2.05%
6.46%
7.42%
6.12%
Banking and PSU Index
0.03%
0.74%
2.06%
6.37%
6.29%
5.42%
Banking & Psu Avg
0.02%
0.7%
2.09%
6.56%
7.08%
6.25%
Best in Banking & Psu
0.36%
1.4%
3.24%
7.95%
7.79%
7.49%
Worst in Banking & Psu
0.01%
0.68%
2.06%
6.26%
7.03%
5.78%

Peer comparison

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 Direct Monthly Reinvestment of Income Dist cum Cap Wdrl
-
3,575Cr
0.33%
6.46%
7.42%
0.32
1.46
0.44
0.83
0.28
Bandhan Banking & PSU Debt Fund Monthly Rnvmt of Inc Dis cum Cptl Wdrl Opt
-
13,422Cr
0.33%
7.85%
6.37%
-0.04
--
--
-0.07
-0.08
Bandhan Banking & PSU Debt Fund Payout of Inc Dis cum Cptl Wdrl Opt
-
13,422Cr
0.33%
7.9%
6.41%
--
--
--
--
-0.01
Bandhan Banking & PSU Debt Fund Daily Rnvmt of Inc Dis cum Cptl Wdrl Opt
-
13,422Cr
0.33%
4.69%
3.64%
-2.65
--
--
-1.96
-2.29
See all

DSP Banking & PSU Debt Fund Direct Monthly Reinvestment of Income Dist cum Cap Wdrl Returns Calculator

Calculate SIP and lumpsum returns based on historical performance

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DSP Banking & PSU Debt Fund Direct Monthly Reinvestment of Income Dist cum Cap Wdrl Asset Allocation

See fund asset allocation details as on (14-Mar-26)

Fund Distribution

as on (14-Mar-26)

AAA
100%
Cash allocation has gone down from 6.9% to 4.4%
Cash allocation has gone down from 6.9% to 4.4%
Debt allocation has gone up from 92.8% to 95.2%
Debt allocation has gone up from 92.8% to 95.2%

DSP Banking & PSU Debt Fund Direct Monthly Reinvestment of Income Dist cum Cap Wdrl Sector Allocation

See fund sector allocation details as on (14-Mar-26)

Sector Allocation

Corporate
47.5%
Government
42.9%
Cash Equivalent
9.5%

Top 2 Sectors in February were Corporate, Government

Feb'26

Corporate

53%

Government

44%

Jan'26

Corporate

49%

Government

46%

DSP Banking & PSU Debt Fund Direct Monthly Reinvestment of Income Dist cum Cap Wdrl 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₹3575 Cr
Inception Date14 September, 2013
Min Lumpsum/SIP--/--
Exit Load0%
Lock InNo Lock-in
TurnOver
285.12%
Risk
Risk meter
pointer
Low Risk

About DSP Banking & PSU Debt Fund Direct Monthly Reinvestment of Income Dist cum Cap Wdrl

DSP Banking & PSU Debt Fund Direct Monthly Reinvestment of Income Dist cum Cap Wdrl is a debt fund. This fund was started on 14 September, 2013. The fund is managed by Shantanu Godambe, Sandeep Yadav. This fund is suitable to keep your money safe.

Key Parameters

  1. DSP Banking & PSU Debt Fund Direct Monthly Reinvestment of Income Dist cum Cap Wdrl has ₹3575 Cr worth of assets under management (AUM) as on Mar 2026 and is more than category average.
  2. The fund has an expense ratio 0.3.

Returns

DSP Banking & PSU Debt Fund Direct Monthly Reinvestment of Income Dist cum Cap Wdrl has given a CAGR return of 6.12% since inception. Over the last 1, 3 and 5 years the fund has given a CAGR return of 6.46%, 7.42% and 6.12% respectively.

Holdings

DSP Banking & PSU Debt Fund Direct Monthly Reinvestment of Income Dist cum Cap Wdrl has allocated its funds majorly in Corporate, Government, Cash Equivalent. Its top holdings are National Bank For Agriculture And Rural Development, 6.48% Gs 2035, 6.90% Gs 2065, Small Industries Development Bank Of India, Power Grid Corporation Of India Limited

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 Monthly Reinvestment of Income Dist cum Cap Wdrl

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 Monthly Reinvestment of Income Dist cum Cap Wdrl has no lock in period.

Fund Manager

Shantanu Godambe

Fund Manager of DSP Banking & PSU Debt Fund Direct Monthly Reinvestment of Income Dist cum Cap Wdrl, since 1 June 2023

Sandeep Yadav

Fund Manager of DSP Banking & PSU Debt Fund Direct Monthly Reinvestment of Income Dist cum Cap Wdrl, since 1 August 2024

Learn more about DSP Mutual Fund
Parameters
Feb'26
Jan'26
Dec'25
AUM
₹ 3.6K Cr
₹ 3.7K Cr
₹ 3.9K Cr
  • AUM of the fund stands at 3.6K Cr as of Feb'26
  • AUM decreased by 120.9 Cr between Feb'26 and Jan'26

Frequently Asked Questions for DSP Banking & PSU Debt Fund Direct Monthly Reinvestment of Income Dist cum Cap Wdrl

How do I invest in DSP Banking & PSU Debt Fund Direct Monthly Reinvestment of Income Dist cum Cap Wdrl?

INDmoney makes it simple to invest in the DSP Banking & PSU Debt Fund Direct Monthly Reinvestment of Income Dist cum Cap Wdrl. To do so, follow the steps below:
  • Download the INDmoney app.
  • Search for ‘DSP Banking & PSU Debt Fund Direct Monthly Reinvestment of Income Dist cum Cap Wdrl’.
  • 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 Direct Monthly Reinvestment of Income Dist cum Cap Wdrl?

The NAV of the fund today is ₹10.37. 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 Direct Monthly Reinvestment of Income Dist cum Cap Wdrl fund has generated a return of 6.46% in 1 year, 7.42% in 3 years, 6.12% in 5 years.

Who is the fund manager of DSP Banking & PSU Debt Fund Direct Monthly Reinvestment of Income Dist cum Cap Wdrl?

The fund managers are Shantanu Godambe, Sandeep Yadav.

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 ₹3575 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 Direct Monthly Reinvestment of Income Dist cum Cap Wdrl?

The top 3 holdings of the fund are National Bank For Agriculture And Rural Development(5.28%), 6.48% Gs 2035(4.96%), 6.90% Gs 2065(4.71%)