DSP Banking & PSU Debt Fund Regular Growth

DSP Banking & PSU Debt Fund Regular Growth

Debt

DSP Mutual Fund

Banking & Psu

Get the latest NAV of DSP Banking & PSU Debt Fund Regular 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.

₹24.18

NAV as on 03 Jul 2025

7.77%/per year

Since Inception

Absolute Gain%

▲▼

Fund Performance

as on (03-Jul-25)

Period
This Fund
Banking and PSU Index
1 Month
-0.23%
-0%
3 Months
1.83%
2.16%
6 Months
4.67%
4.82%
1 Year
8.98%
8.81%
3 Years
7.58%
7.4%
5 Years
5.94%
5.93%

Peer comparison

Fund Name
INDmoney Rank
AUM (in Crs.)
Expense Ratio
1Y Returns
3Y Returns
Inception Returns
DSP Banking & PSU Debt Fund Regular Growth
-
4,188Cr
0.58%
8.98%
7.58%
7.77%
Kotak Banking and PSU Debt Fund Direct Growth
1/12
6,198Cr
0.75%
9.36%
7.8%
-
HDFC Banking & PSU Debt Fund Regular
4/12
6,114Cr
0.78%
9.24%
7.61%
7.73%
Nippon India Banking & PSU Fund Regular
5/12
5,931Cr
0.77%
9.31%
7.63%
7.54%
See all

DSP Banking & PSU Debt Fund Regular Growth 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 Regular Growth Asset Allocation

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

Fund Distribution

as on (14-Jun-25)

Debt & Cash 99.8%

AAA
100%
Cash allocation has gone up from 14.8% to 15.7%
Cash allocation has gone up from 14.8% to 15.7%
Debt allocation has gone down from 85% to 84.1%
Debt allocation has gone down from 85% to 84.1%

DSP Banking & PSU Debt Fund Regular Growth Sector Allocation

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

Sector Allocation

Debt & Cash 99.8%

Government
47.2%
Corporate
43.8%
Cash Equivalent
9.1%

Top 2 Sectors in May were Corporate, Government

May'25

Corporate

50%

Government

47%

Apr'25

Corporate

50%

Government

45%

DSP Banking & PSU Debt Fund Regular Growth Overview

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

Expense ratio0.58%
Benchmark
Nifty Banking & PSU Debt Idx A-II TR INR
AUM₹4188 Cr
Inception Date14 September, 2013
Min Lumpsum/SIP₹100/₹100
Exit Load0%
Lock InNo Lock-in
TurnOver
507.94%
STCGSelling mutual fund within 36 months, gains taxed at slab rates.
LTCGHolding over 3 years, gains taxed at slab rates without indexation.
Risk
Risk meter
pointer
Low Risk

About DSP Banking & PSU Debt Fund Regular Growth

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

Key Parameters

  1. DSP Banking & PSU Debt Fund Regular Growth has ₹4188 Cr worth of assets under management (AUM) as on Jun 2025 and is more than category average.
  2. The fund has an expense ratio 0.6.

Returns

DSP Banking & PSU Debt Fund Regular Growth has given a CAGR return of 7.77% since inception. Over the last 1, 3 and 5 years the fund has given a CAGR return of 8.98%, 7.58% and 5.94% respectively.

Holdings

DSP Banking & PSU Debt Fund Regular Growth has allocated its funds majorly in Corporate, Government, Cash Equivalent. Its top holdings are 7.34% Govt Stock 2064, 8.3% Govt Stock 2042, 7.81% Govt Stock 2033, 7.09% Govt Stock 2054, Small Industries Development Bank Of India

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 Regular 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 Regular Growth has no lock in period.

Learn more about DSP Mutual Fund
Parameters
May'25
Apr'25
Mar'25
AUM
₹ 4.1K Cr
₹ 3.7K Cr
₹ 3.4K Cr
  • AUM of the fund stands at 4.1K Cr as of May'25
  • AUM increased by 438.1 Cr between May'25 and Apr'25

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

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

INDmoney makes it simple to invest in the DSP Banking & PSU Debt Fund Regular Growth. To do so, follow the steps below:
  • Download the INDmoney app.
  • Search for ‘DSP Banking & PSU Debt Fund Regular Growth’.
  • 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 Regular Growth?

The NAV of the fund today is ₹24.18. 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 Regular Growth fund has generated a return of 8.98% in 1 year, 7.58% in 3 years, 5.94% in 5 years.

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

The fund managers are .

What is the exit load of the fund?

The exit load is . Exit load is a fee levied for ‘exiting’ the fund earlier than a stipulated period, usually 1 year.

What is the expense ratio of the fund?

The expense ratio is 0.58%. 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 ₹4188 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 Regular Growth?

The top 3 holdings of the fund are 7.34% Govt Stock 2064(4.37%), 8.3% Govt Stock 2042(4.31%), 7.81% Govt Stock 2033(3.79%)