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Fund Overview

Fund Size

Fund Size

₹3,948 Cr

Expense Ratio

Expense Ratio

0.60%

ISIN

ISIN

INF740K01ZP6

Minimum SIP

Minimum SIP

₹100

Exit Load

Exit Load

No Charges

Inception Date

Inception Date

14 Sep 2013

About this fund

DSP Banking & PSU Debt Fund Regular Growth is a Banking & PSU mutual fund schemes offered by DSP Mutual Fund. This fund has been in existence for 12 years, 4 months and 26 days, having been launched on 14-Sep-13.
As of 06-Feb-26, it has a Net Asset Value (NAV) of ₹24.65, Assets Under Management (AUM) of 3948.37 Crores, and an expense ratio of 0.6%.
  • DSP Banking & PSU Debt Fund Regular Growth has given a CAGR return of 7.55% since inception.
  • The fund's asset allocation comprises around 0.00% in equities, 92.75% in debts, and 6.95% in cash & cash equivalents.
  • You can start investing in DSP Banking & PSU Debt Fund Regular Growth with a SIP of ₹100 or a Lumpsum investment of ₹100.

Performance against Category Average

In this section, we compare the returns of the scheme with the category average over various periods. Periods for which the fund has outperformed its category average are marked in green, otherwise red.

1 Year

+5.93%

+6.58% (Cat Avg.)

3 Years

+7.15%

+7.10% (Cat Avg.)

5 Years

+5.85%

+6.17% (Cat Avg.)

10 Years

+7.07%

+8.38% (Cat Avg.)

Since Inception

+7.55%

(Cat Avg.)

Portfolio Summaryas of 15th January 2026

Debt3,662.24 Cr92.75%
Others286.14 Cr7.25%

Top Holdings

All Holdings

Equity

Debt & Others

NameType sortAmount sortHoldings sort
National Bank For Agriculture And Rural DevelopmentBond - Corporate Bond187.2 Cr4.79%
6.9% Govt Stock 2065Bond - Gov't/Treasury166.38 Cr4.26%
6.82% Govt Stock 2033Bond - Gov't/Treasury131.89 Cr3.37%
Small Industries Development Bank Of IndiaBond - Corporate Bond128.45 Cr3.29%
6.68% Govt Stock 2040Bond - Gov't/Treasury120.59 Cr3.08%
6.48% Govt Stock 2035Bond - Gov't/Treasury115.69 Cr2.96%
Power Grid Corporation Of India LimitedBond - Corporate Bond109.93 Cr2.81%
HDFC Bank LimitedBond - Corporate Bond106.31 Cr2.72%
Indian Railway Finance Corporation LimitedBond - Corporate Bond106.28 Cr2.72%
Bharti Telecom LimitedBond - Corporate Bond101.58 Cr2.60%
GAil (India) LimitedBond - Corporate Bond101.4 Cr2.59%
Power Grid Corporation Of India LimitedBond - Corporate Bond100.68 Cr2.57%
Bharti Telecom LimitedBond - Corporate Bond100.24 Cr2.56%
HDFC Bank LimitedCash - CD/Time Deposit99.64 Cr2.55%
6.28% Govt Stock 2032Bond - Gov't/Treasury98.15 Cr2.51%
Power Finance Corporation LimitedBond - Corporate Bond81.69 Cr2.09%
Rural Electrification Corporation LimitedBond - Corporate Bond80.82 Cr2.07%
Power Finance Corporation LimitedBond - Corporate Bond80.55 Cr2.06%
National Bank For Agriculture And Rural DevelopmentBond - Corporate Bond80.33 Cr2.05%
Small Industries Development Bank Of IndiaBond - Corporate Bond80.08 Cr2.05%
Rec LimitedBond - Corporate Bond79.77 Cr2.04%
Rec LimitedBond - Corporate Bond79.35 Cr2.03%
Power Finance Corporation LimitedBond - Corporate Bond74.27 Cr1.90%
7.32% Govt Stock 2030Bond - Gov't/Treasury73.45 Cr1.88%
National Bank For Financing Infrastructure And DevelopmentBond - Corporate Bond68 Cr1.74%
Small Industries Development Bank Of IndiaBond - Corporate Bond53.57 Cr1.37%
Power Grid Corporation Of India LimitedBond - Corporate Bond53.51 Cr1.37%
Indian Railway Finance Corporation LimitedBond - Corporate Bond53.42 Cr1.37%
National Housing BankBond - Corporate Bond53.41 Cr1.37%
Indian Railway Finance Corporation LimitedBond - Corporate Bond52.96 Cr1.35%
Ntpc LimitedBond - Corporate Bond52.78 Cr1.35%
Bajaj Finance LimitedBond - Corporate Bond52.73 Cr1.35%
State Bank Of IndiaBond - Corporate Bond52.14 Cr1.33%
Indian Railway Finance Corporation LimitedBond - Corporate Bond51.77 Cr1.32%
Indian Railway Finance Corporation LimitedBond - Corporate Bond51.76 Cr1.32%
National Bank For Agriculture And Rural DevelopmentBond - Corporate Bond51.74 Cr1.32%
Power Finance Corporation LimitedBond - Corporate Bond51.32 Cr1.31%
Power Finance Corporation LimitedBond - Corporate Bond50.81 Cr1.30%
Rec LimitedBond - Corporate Bond50.3 Cr1.29%
HDFC Bank LimitedCash - CD/Time Deposit48.87 Cr1.25%
Bharti Telecom LimitedCash - Commercial Paper47.54 Cr1.22%
7.3% Govt Stock 2053Bond - Gov't/Treasury39.86 Cr1.02%
HDFC Bank LimitedCash - CD/Time Deposit33.47 Cr0.86%
State Bank Of IndiaBond - Corporate Bond31.34 Cr0.80%
Treps / Reverse Repo InvestmentsCash - Repurchase Agreement30.71 Cr0.79%
National Bank For Agriculture And Rural DevelopmentBond - Corporate Bond26.86 Cr0.69%
Rec LimitedBond - Corporate Bond26.58 Cr0.68%
Indian Railway Finance Corporation LimitedBond - Corporate Bond26.39 Cr0.67%
National Bank For Financing Infrastructure And DevelopmentBond - Corporate Bond26.37 Cr0.67%
Ntpc LimitedBond - Corporate Bond26.27 Cr0.67%
HDFC Bank LimitedBond - Corporate Bond26.18 Cr0.67%
Rural Electrification Corporation LimitedBond - Corporate Bond26.07 Cr0.67%
Tata Capital Housing Finance LimitedBond - Corporate Bond26.06 Cr0.67%
Small Industries Development Bank Of IndiaBond - Corporate Bond25.91 Cr0.66%
Bajaj Finance LimitedBond - Corporate Bond25.78 Cr0.66%
Small Industries Development Bank Of IndiaBond - Corporate Bond25.72 Cr0.66%
Power Grid Corporation Of India LimitedBond - Corporate Bond25.7 Cr0.66%
Power Finance Corporation LimitedBond - Corporate Bond25.68 Cr0.66%
Small Industries Development Bank Of IndiaBond - Corporate Bond25.37 Cr0.65%
Axis Bank LimitedCash - CD/Time Deposit24.05 Cr0.61%
Net Receivables/PayablesCash-12.61 Cr0.32%
SBI Funds Management Pvt Ltd/Fund ParentMutual Fund - Open End11.69 Cr0.30%
Bajaj Finance LimitedBond - Corporate Bond5.25 Cr0.13%

Allocation By Credit Quality (Debt)

AAA

Other Allocation

Equity Sector

Debt & Others

InstrumentsAmount sortHoldings sort
Bond - Corporate Bond2,880.7 Cr73.67%
Bond - Gov't/Treasury746 Cr19.08%
Cash - CD/Time Deposit206.03 Cr5.27%
Cash - Commercial Paper47.54 Cr1.22%
Cash - Repurchase Agreement30.71 Cr0.79%
Cash-12.61 Cr0.32%
Mutual Fund - Open End11.69 Cr0.30%

Risk & Performance Ratios

Standard Deviation

This fund

1.65%

Cat. avg.

1.45%

Lower the better

Sharpe Ratio

This fund

0.31

Cat. avg.

0.38

Higher the better

Sortino Ratio

This fund

--

Cat. avg.

0.71

Higher the better

Fund Managers

SY

Sandeep Yadav

Since August 2024

SG

Shantanu Godambe

Since June 2023

Additional Scheme Detailsas of 15th January 2026

ISIN
INF740K01ZP6
Expense Ratio
0.60%
Exit Load
No Charges
Fund Size
₹3,948 Cr
Age
12 years 4 months
Lumpsum Minimum
₹100
Fund Status
Open Ended Investment Company
Benchmark
Nifty Banking & PSU Debt Idx A-II TR INR

Investment ObjectiveInvestment Objective

To seek to generate long-term capital growth from an actively managed portfolio primarily of Equity and Equity Related Securities. Scheme shall invest in Indian equities,foreign equities and related instruments and debt securities.

Tax Treatment

iconCapital Gains Taxation:

iconDividend Taxation:

info icon

Note: As per the Income Tax Budget 2024, mutual funds are subject to capital gains taxation, which includes surcharge and cess based on prevailing income tax rules and the investor’s income. Taxation applies only to realised gains, not notional gains. Please consult your tax advisors to determine the implications or consequences of your investments in such securities.

Similar Banking & PSU Funds

Fund nameExpense RatioExit LoadFund size
1Y
Bajaj Finserv Banking and PSU Fund Regular Growth

Moderate Risk

0.9%0.0%₹390.12 Cr6.4%
Bajaj Finserv Banking and PSU Fund Direct Growth

Moderate Risk

0.3%0.0%₹390.12 Cr7.0%
HSBC Banking & PSU Debt Direct Growth

Moderate Risk

0.2%0.0%₹4360.45 Cr7.2%
LIC MF Banking & PSU Debt Fund Direct Growth

Moderate Risk

0.3%0.0%₹1873.26 Cr7.1%
Axis Banking & PSU Debt Fund Direct Growth

Moderate Risk

0.3%0.0%₹13573.62 Cr7.1%
Invesco India Banking & PSU Debt Fund Regular Growth

Moderate Risk

0.6%0.0%₹170.63 Cr6.4%
DSP Banking & PSU Debt Fund Regular Growth

Low Risk

0.6%0.0%₹3948.37 Cr5.9%
DSP Banking & PSU Debt Fund Direct Growth

Low Risk

0.3%0.0%₹3948.37 Cr6.2%
Edelweiss Banking and PSU Debt Fund Direct Growth

Moderate Risk

0.4%0.0%₹484.94 Cr6.7%
Edelweiss Banking and PSU Debt Fund Regular Growth

Moderate Risk

0.7%0.0%₹484.94 Cr6.3%
Kotak Banking & PSU Debt Direct Growth

Low to Moderate Risk

0.4%0.0%₹5608.26 Cr7.3%
Nippon India Banking & PSU Debt Fund Direct Growth

Moderate Risk

0.4%0.0%₹5447.40 Cr6.8%
Nippon India Banking & PSU Debt Fund Regular Growth

Moderate Risk

0.8%0.0%₹5447.40 Cr6.4%
TrustMF Banking & PSU Debt Fund Regular Growth

Low to Moderate Risk

0.7%0.0%₹131.79 Cr6.6%
TrustMF Banking & PSU Debt Fund Direct Growth

Low to Moderate Risk

0.2%0.0%₹131.79 Cr7.1%
UTI Banking & PSU Debt Fund Regular Growth

Low to Moderate Risk

0.5%0.0%₹1014.91 Cr7.2%
UTI Banking & PSU Debt Fund Direct Growth

Low to Moderate Risk

0.3%0.0%₹1014.91 Cr7.4%
ICICI Prudential Banking and PSU Debt Fund Direct Growth

Moderate Risk

0.4%0.0%₹9727.95 Cr7.3%
HDFC Banking and PSU Debt Fund Regular Growth

Moderate Risk

0.8%0.0%₹5718.88 Cr6.6%
HDFC Banking and PSU Debt Fund Direct Growth

Moderate Risk

0.4%0.0%₹5718.88 Cr7.0%
Axis Banking & PSU Debt Fund Regular Growth

Moderate Risk

0.6%0.0%₹13573.62 Cr6.8%
LIC MF Banking & PSU Debt Fund Regular Growth

Moderate Risk

0.8%0.0%₹1873.26 Cr6.6%
Baroda BNP Paribas Banking and PSU Bond Fund Direct Growth

Moderate Risk

0.4%0.0%₹26.92 Cr8.2%
Baroda BNP Paribas Banking and PSU Bond Fund Regular Growth

Moderate Risk

0.8%0.0%₹26.92 Cr7.8%
ITI Banking & PSU Debt Fund Regular Growth

Low to Moderate Risk

0.7%0.0%₹37.34 Cr6.3%
ITI Banking & PSU Debt Fund Direct Growth

Low to Moderate Risk

0.1%0.0%₹37.34 Cr6.9%
Aditya BSL Banking & PSU Debt Fund Direct Growth

Moderate Risk

0.4%0.0%₹9064.11 Cr6.8%
Invesco India Banking & PSU Debt Fund Direct Growth

Moderate Risk

0.3%0.0%₹170.63 Cr6.8%
Sundaram Banking & PSU Debt Fund Direct Growth

Moderate Risk

0.3%0.0%₹376.88 Cr6.9%
SBI Banking and PSU Fund Regular Growth

Moderate Risk

0.8%0.0%₹4127.33 Cr6.7%
SBI Banking and PSU Fund Direct Growth

Moderate Risk

0.4%0.0%₹4127.33 Cr7.1%
HSBC Banking & PSU Debt Regular Growth

Moderate Risk

0.6%0.0%₹4360.45 Cr6.8%
Kotak Banking & PSU Debt Regular Growth

Low to Moderate Risk

0.8%0.0%₹5608.26 Cr7.0%
Mirae Asset Banking and PSU Debt Fund Regular Growth

Low to Moderate Risk

0.8%0.0%₹44.77 Cr6.1%
Mirae Asset Banking and PSU Debt Fund Direct Growth

Low to Moderate Risk

0.3%0.0%₹44.77 Cr6.6%
Aditya BSL Banking & PSU Debt Fund Regular Growth

Moderate Risk

0.7%0.0%₹9064.11 Cr6.5%
Sundaram Banking & PSU Debt Fund Regular Growth

Moderate Risk

0.4%0.0%₹376.88 Cr6.7%
ICICI Prudential Banking and PSU Debt Fund Regular Growth

Moderate Risk

0.7%0.0%₹9727.95 Cr6.9%
Tata Banking & PSU Debt Fund Regular Growth

Low to Moderate Risk

0.7%0.0%₹207.53 Cr6.5%
Tata Banking & PSU Debt Fund Direct Growth

Low to Moderate Risk

0.3%0.0%₹207.53 Cr7.0%
Canara Robeco Banking and PSU Debt Fund Direct Growth

Low to Moderate Risk

0.4%0.0%₹196.54 Cr6.2%
Canara Robeco Banking and PSU Debt Fund Regular Growth

Low to Moderate Risk

0.7%0.0%₹196.54 Cr5.9%
PGIM India Banking and PSU Debt fund Regular Growth

Moderate Risk

0.4%0.0%₹45.38 Cr6.6%
PGIM India Banking and PSU Debt fund Direct Growth

Moderate Risk

0.2%0.0%₹45.38 Cr6.8%
Franklin India Banking & PSU Debt Fund Direct Growth

Moderate Risk

0.2%0.0%₹484.74 Cr7.8%
Franklin India Banking & PSU Debt Fund Regular Growth

Moderate Risk

0.5%0.0%₹484.74 Cr7.4%
Bandhan Banking & PSU Debt Fund Regular Growth

Moderate Risk

0.7%0.0%₹12650.77 Cr6.5%
Bandhan Banking & PSU Debt Fund Direct Growth

Moderate Risk

0.4%0.0%₹12650.77 Cr6.8%

About the AMC

DSP Mutual Fund

DSP Mutual Fund

Total AUM

₹2,26,583 Cr

Address

West Wing, 11th Floor, Mumbai, 400021

Other Funds by DSP Mutual Fund

Fund nameExpense RatioExit LoadFund size
1Y
DSP Multi Asset Omni Fund of Funds Direct Growth

Very High Risk

-0.0%--
DSP Nifty 500 Index Fund Direct Growth

Very High Risk

-0.0%--
DSP Fixed Maturity Plan Series 277 789 Days Direct Growth

High Risk

-0.0%--
DSP Nifty Smallcap 250 Index Fund Direct Growth

Very High Risk

0.3%0.0%₹7.78 Cr-
DSP Nifty Midcap 150 Index Fund Direct Growth

Very High Risk

0.3%0.0%₹8.09 Cr-
DSP Nifty500 Flexicap Quality 30 Index Fund Direct Growth

Very High Risk

0.3%0.0%₹108.61 Cr-
DSP Nifty IT Index Fund Direct Growth

Very High Risk

0.3%0.0%₹50.97 Cr-
DSP Nifty Healthcare Index Fund Direct Growth

Very High Risk

0.2%0.0%₹14.60 Cr-
DSP Silver ETF Fund of Fund Direct Growth

Very High Risk

0.6%0.0%₹712.39 Cr-
DSP Nifty Private Bank Index Fund Direct Growth

Very High Risk

0.3%0.0%₹57.83 Cr-
DSP BSE SENSEX Next 30 Index Fund Direct Growth

Very High Risk

0.2%0.0%₹14.30 Cr15.2%
DSP Business Cycle Fund Direct Growth

Very High Risk

0.7%0.0%₹1175.58 Cr10.7%
DSP Nifty Top 10 Equal Weight Index Fund Direct Growth

Very High Risk

0.3%0.0%₹1466.83 Cr4.8%
DSP Nifty Bank Index Fund Direct Growth

Very High Risk

0.2%0.0%₹58.22 Cr20.0%
DSP US Treasury Fund of Fund Direct Growth

Very High Risk

0.2%0.0%₹65.95 Cr9.8%
DSP Nifty Healthcare ETF Regular Growth

Very High Risk

0.2%-₹10.83 Cr0.1%
DSP Multicap Fund Direct Growth

Low Risk

0.5%1.0%₹2681.86 Cr5.9%
DSP Nifty Smallcap250 Quality 50 Index Fund Direct Growth

Very High Risk

0.2%0.0%₹285.44 Cr-5.0%
DSP Banking & Financial Services Fund Direct Growth

Very High Risk

0.6%0.0%₹1623.85 Cr23.3%
DSP Gold ETF Fund of Fund Direct Growth

Very High Risk

0.7%0.0%₹331.34 Cr75.4%
DSP Multi Asset Allocation Fund Direct Growth

Very High Risk

0.3%1.0%₹6440.17 Cr27.0%
DSP FMP - Series 264 - 60M - 17D Direct Growth

Low to Moderate Risk

-0.0%₹52.27 Cr7.3%
DSP FMP Series 267 - 1246 Days Direct Growth

Low Risk

-0.0%₹699.56 Cr6.8%
DSP FMP Series 261 37 Month Direct Growth

Moderate Risk

----
DSP Fixed Maturity Plan Series 270 1144 Days Direct Growth

Low Risk

-0.0%₹180.35 Cr6.8%
DSP FMP Series 268 - 1281 Days Direct Growth

Low Risk

--₹122.54 Cr6.8%
DSP FMP Series 252 38 Month Direct Growth

Moderate Risk

-0.0%--
DSP Banking & PSU Debt Fund Direct Growth

Low Risk

0.3%0.0%₹3948.37 Cr6.2%
DSP Dynamic Asset Allocation Fund Direct Growth

Moderately High risk

0.7%1.0%₹3708.72 Cr9.8%
DSP Overnight Fund Direct Growth

Low Risk

0.1%0.0%₹2659.27 Cr5.7%
DSP Nifty 50 Index Fund Direct Growth

Very High Risk

0.2%0.0%₹904.10 Cr10.0%
DSP Nifty Next 50 Index Fund Direct Growth

Very High Risk

0.3%0.0%₹1153.07 Cr9.4%
DSP Healthcare Fund Direct Growth

Very High Risk

0.6%0.0%₹3114.33 Cr-7.6%
DSP Global Allocation Fund Direct Growth

Very High Risk

0.4%0.0%₹1982.13 Cr1.7%
DSP Quant Fund Direct Growth

Very High Risk

0.6%0.0%₹880.84 Cr8.5%
DSP Low Duration Fund Direct Growth

Low to Moderate Risk

0.3%0.0%₹6367.49 Cr7.0%
DSP Value Fund Direct Growth

Very High Risk

0.9%1.0%₹1325.77 Cr13.9%
DSP Nifty SDL Plus G-Sec Jun 2028 30:70 Index Fund Direct Growth

Low to Moderate Risk

0.2%0.0%₹2033.73 Cr7.8%
DSP Bond Fund Direct Growth

Moderately High risk

0.4%0.0%₹314.47 Cr7.0%
DSP Flexi Cap Fund Direct Growth

Very High Risk

0.7%1.0%₹12327.61 Cr7.7%
DSP Government Securities Direct Growth

Moderate Risk

0.6%0.0%₹1292.05 Cr3.2%
DSP Equity & Bond Fund Direct Growth

High Risk

0.7%1.0%₹12161.66 Cr6.1%
DSP Focus Fund Direct Growth

Very High Risk

0.9%1.0%₹2686.67 Cr8.9%
DSP Credit Risk Fund Direct Growth

Moderately High risk

0.4%3.0%₹205.76 Cr19.0%
DSP India TIGER Fund Direct Growth

Very High Risk

0.8%1.0%₹5323.37 Cr10.8%
DSP Liquidity Fund Direct Growth

Low to Moderate Risk

0.1%0.0%₹17776.95 Cr6.5%
DSP Regular Saving Fund Direct Growth

Moderately High risk

0.5%0.0%₹183.97 Cr7.2%
DSP Small Cap Fund Direct Growth

Very High Risk

0.8%1.0%₹16934.59 Cr5.7%
DSP Ultra Short Fund Direct Growth

Moderate Risk

0.3%0.0%₹3971.51 Cr7.1%
DSP Short Term Fund Direct Growth

Low to Moderate Risk

0.3%0.0%₹3905.96 Cr7.1%

Risk Level

Your principal amount will be at Low Risk

Low Risk

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The NAV of DSP Banking & PSU Debt Fund Regular Growth, as of 06-Feb-2026, is ₹24.65.
The fund has generated 5.93% over the last 1 year and 7.15% over the last 3 years. However, this does not guarantee that the fund will perform similarly in the future.
The fund's allocation of assets is distributed as 0.00% in equities, 92.75% in bonds, and 6.95% in cash and cash equivalents.
The fund managers responsible for DSP Banking & PSU Debt Fund Regular Growth are:-
  1. Sandeep Yadav
  2. Shantanu Godambe
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