DSP Banking and PSU Debt Fund Direct Growth

DSP Banking and PSU Debt Fund Direct Growth

+6.73%
3Y annualised
-0.04% 1D
NAV: 13 Nov '26
₹26.35
Min. for SIP
₹100
Fund size (AUM)
₹2,492.42 Cr
Expense ratio
0.34%
Rating
1

Return calculator

Monthly investment
₹5,000
Over the pastTotal investmentWould've becomeHistoric returnsReturns
1 year₹60,000₹61,043
+1.74%
3 years₹1,80,000₹1,94,688
+8.16%
5 years₹3,00,000₹3,48,699
+16.23%
10 years₹6,00,000₹8,31,799
+38.63%

Holdings (41)

NameSectorInstrumentsAssets
HDFC BANK LIMITED SR US003 7.70 NCD 16MY28 FVRS1LACFinancialDebenture5.15%
UNION BANK OF INDIA CD 15JUN27FinancialCertificate of Deposit4.78%
GAIL (INDIA) LIMITED SR I 7.34 LOA 20DC27 FVRS10LACEnergy & UtilitiesDebenture4.23%
BHARTI TELECOM LIMITED SR XXVI 7.45 NCD 15DC28 FVRS1LACTechnologyDebenture4.17%
SMALL INDUSTRIES DEVELOPMENT BANK OF INDIA SR II RR BD 04JU29 FVRS1LACFinancialBonds4.12%
EXPORT IMPORT BANK OF INDIA SR AB01 7.23 BD 18MR31 FVRS1LACFinancialDebenture4.06%
INDIAN BANK CD 10DEC26FinancialCertificate of Deposit3.98%
BHARTI TELECOM LIMITED SR XXV 7.35 NCD 15OT27 FVRS1LACTechnologyDebenture3.98%
STATE DEVELOPMENT LOAN 35765 HAR 26MR39 7.08 FV RS 100UnspecifiedState Development Loan3.88%
Reverse RepoUnspecifiedReverse Repo3.57%
Power Grid Corporation of India Ltd Debenture 7.30 19/06/2027Energy & UtilitiesDebenture3.08%
NATIONAL HOUSING BANK 7.51 BD 04AP31 FVRS1LACFinancialBonds/NCDs3.05%
POWER FINANCE CORPORATION LTD. SR BS214 6.92 BD 14AP32 FVRS10LACFinancialDebenture3.02%
8.2% Tata Capital Housing Finance Limited (25/09/2029)FinancialDebenture3.01%
HDFC BANK LIMITED SR AA010 7.80 NCD 06SP32 FVRS10LACFinancialDebenture2.96%
PUNJAB NATIONAL BANK CD 12MAR27FinancialCertificate of Deposit2.93%
CANARA BANK CD 12MAR27FinancialCertificate of Deposit2.93%
GOVERNMENT OF INDIA 35840 GOI 15AP65 6.9 FV RS 100EntitiesGOI Securities2.66%
NATIONAL BANK FOR FINANCING INFRASTRUCTURE AND DEVELOPMENT SR 4 7.15 BD 28MR35 FVRS1LACFinancialBonds2.15%
POWER FINANCE CORPORATION LTD. SR BS221B 7.59 BD 17JN28 FVRS10LACFinancialDebenture2.12%
GOVERNMENT OF INDIA 33618 GOI 13NV30 7.32 FV RS 100EntitiesGOI Securities2.08%
REC LIMITED SR 232 A 7.59 BD 31MY27 FVRS1LACFinancialDebenture2.06%
INDIAN RAILWAY FINANCE CORPORATION LIMITED SR 172B 7.45 BD 13OT28 FVRS1LACFinancialBonds/NCDs2.06%
POWER FINANCE CORPORATION LTD. SR 223 7.64 BD 22FB33 FVRS1LACFinancialDebenture2.05%
POWER GRID CORPORATION OF INDIA LIMITED SR LXXVI 7.35 BD 12MR34 FVRS1LACEnergy & UtilitiesBonds2.02%
INDIAN RAILWAY FINANCE CORPORATION LIMITED SERIES 129 8.45 LOA 04DC28 FVRS10LACFinancialDebenture2.02%
STATE BANK OF INDIA SR 3 7.23 BD 19NV39 FVRS1LACFinancialBonds1.99%
SMALL INDUSTRIES DEVELOPMENT BANK OF INDIA SR III 7.40 BD 18JU31 FVRS1LACFinancialBonds/NCDs1.99%
STATE DEVELOPMENT LOAN 36772 MH 03DC40 7.43 FV RS 100UnspecifiedState Development Loan1.95%
POWER GRID CORPORATION OF INDIA LIMITED SR LXXIX 7.08 BD 25OT34 FVRS1LACEnergy & UtilitiesBonds/Debentures1.89%
STATE BANK OF INDIA SR I 7.81 BD 02NV38 FVRS1CRFinancialDebenture1.26%
REC LIMITED SR 231A 7.64 BD 30AP27 FVRS1LACFinancialNon Convertible Debenture1.04%
NATIONAL BANK FOR FINANCING INFRASTRUCTURE AND DEVELOPMENT SR NABFID2023 1 7.43 BD 16JU33 FVRS1LACFinancialDebenture0.99%
STATE DEVELOPMENT LOAN 37024 GUJ 04FB32 7.17 FV RS 100IndustrialsState Development Loan0.99%
RURAL ELECTRIFICATION CORPORATION LIMITED SR 213 6.92 BD 20MR32 FVRS10LACFinancialDebenture0.99%
NTPC LIMITED SR 82 7.26 NCD 20MR40 FVRS1LACEnergy & UtilitiesNon Convertible Debenture0.98%
CANARA BANK CD 29JAN27FinancialCertificate of Deposit0.98%
EXPORT IMPORT BANK OF INDIA CD 29JAN27FinancialCertificate of Deposit0.98%
Small Industries Development Bank of India (03/09/2027) **#FinancialCertificate of Deposit0.94%
Others Class A2 AIFUnspecifiedAlternative Investment Fund0.49%
Net ReceivablesUnspecifiedNet Receivables0.42%

Minimum investments

Min. for 1st investment
₹100
Min. for 2nd investment
₹100
Min. for SIP
₹100

Returns and rankings

Name3Y5Y10YAll
Fund returns+6.7%+6.0%+6.8%+7.6%
Category average (Debt Banking and PSU Debt)+6.9%+6.2%+6.9%+7.6%
Rank (Debt Banking and PSU Debt)181511--

Exit load, stamp duty and tax

Exit load

Nil

Stamp duty on investment: 0.005% (from July 1st, 2020)

from July 1st 2020

Tax implication

Returns are taxed as per your Income Tax slab.

Fund management

Education
Mr. Yadav is a Computer Engineer (Pune University), PGDBM (IIM Bangalore) and a CFA chartered holder.
Experience
Prior to joining DSP, he has worked with Cognizant Technologies, Hughes Services and Mahindra British Telecom.

About DSP Banking and PSU Debt Fund Direct Growth

DSP Banking and PSU Debt Fund Direct Growth is a Debt Mutual Fund Scheme launched by DSP Mutual Fund. This scheme was made available to investors on 16 Dec 1996. Shantanu Godambe is the Current Fund Manager of DSP Banking and PSU Debt Fund Direct Growth fund. The fund currently has an Asset Under Management(AUM) of ₹2,43,277 Cr and the Latest NAV as of 13 Nov 2026 is ₹26.35. The DSP Banking and PSU Debt Fund Direct Growth is rated Moderate risk. Minimum SIP Investment is set to ₹100. Minimum Lumpsum Investment is ₹100. ;

Investment Objective

The Scheme seeks 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.
Fund benchmarkNifty Banking & PSU Debt Index A-II

Fund house

Rank (total assets)#10 in India
Total AUM₹2,43,276.65 Cr
Date of Incorporation16 Dec 1996
Phone+91 22 6657 8000
E-mail--
Launch Date16 Dec 1996
AddressThe Ruby, 25th Floor29, Senapati Bapat Marg,Dadar (West), Mumbai Mumbai 400028
CustodianHongkong & Shanghai Banking Corporation
Registrar & Transfer AgentCams
Address7th Floor, Tower II, Rayala Towers, 158, Anna Salai,