DSP Banking & PSU Debt Fund Direct Growth

Debt
Banking and PSU
Moderate Risk
7.79%
3Y annualised
0.00% 1D
1M
6M
1Y
3Y
5Y
All
NAV: 11 Jul 2025₹25.07
Min. SIP amount₹100
Rating2
Fund size₹4,218.69Cr

Return calculator

Monthly SIP
One-Time
₹5,000 per month
Over the past
Total investment of 0
Would have become (%)

Holdings (61)

NameSectorInstrumentAssets
GOI
SovereignGOI FRB6.29%
National Bank For Agriculture & Rural Development
FinancialDebenture4.31%
GOI
SovereignCGL4.10%
GOI
SovereignGOI Sec3.91%
GOI
SovereignGOI Sec3.43%
Small Industries Devp. Bank of India Ltd.
FinancialBonds3.18%
FinancialDebenture2.63%
State Bank of India
FinancialDebenture2.59%
EnergyDebenture2.53%
EnergyDebenture2.51%
Power Grid Corporation Of India Ltd.
EnergyBonds/Deb2.51%
National Bank For Agriculture & Rural Development
FinancialBonds2.46%
HDFC Bank Ltd.
FinancialDebenture2.44%
Axis Bank Ltd.
FinancialCD2.32%
HDFC Bank Ltd.
FinancialCD2.28%
National Bank For Financing Infrastructure And Development
FinancialDebenture1.94%
FinancialNCD1.86%
Small Industries Devp. Bank of India Ltd.
FinancialBonds1.85%
REC Ltd.
FinancialBonds1.84%
FinancialDebenture1.84%
REC Ltd.
FinancialDebenture1.83%
Bajaj Finance Ltd.
FinancialBonds/NCD1.57%
FinancialDebenture1.29%
FinancialDebenture1.26%
FinancialNCD1.25%
Power Grid Corporation Of India Ltd.
EnergyBonds1.25%
Bajaj Finance Ltd.
FinancialDebenture1.25%
Indian Railway Finance Corporation Ltd.
FinancialDebenture1.23%
FinancialBonds1.23%
Small Industries Devp. Bank of India Ltd.
FinancialBonds/NCD1.23%
FinancialBonds/NCD1.23%
Indian Railway Finance Corporation Ltd.
FinancialBonds1.22%
State Bank of India
FinancialBonds1.22%
NTPC Ltd.
EnergyNCD1.21%
Indian Railway Finance Corporation Ltd.
FinancialBonds1.20%
National Housing Bank
FinancialNCD1.20%
GOI
SovereignCGL1.18%
REC Ltd.
FinancialBonds1.18%
Bank Of Baroda
FinancialCD1.17%
Canara Bank
FinancialCD1.15%
HDFC Bank Ltd.
FinancialCD1.15%
SovereignGOI Sec0.98%
GOI
SovereignGOI Sec0.82%
SovereignGOI Sec0.75%
Small Industries Devp. Bank of India Ltd.
FinancialBonds/NCD0.64%
Power Finance Corporation Ltd.
FinancialDebenture0.64%
FinancialDebenture0.63%
EnergyNCD0.62%
FinancialBonds0.62%
National Bank For Agriculture & Rural Development
FinancialDebenture0.62%
FinancialDebenture0.61%
Power Grid Corporation Of India Ltd.
EnergyBonds0.60%
FinancialDebenture0.60%
FinancialDebenture0.60%
Indian Bank
FinancialCD0.58%
Bank Of Baroda
FinancialCD0.58%
Punjab National Bank
FinancialCD0.58%
Union Bank of India
FinancialCD0.58%
Kotak Mahindra Bank Ltd.
FinancialCD0.57%
GOI
SovereignGOI Sec0.50%
GOI
SovereignGOI Sec0.49%
See All

Minimum investment amounts

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

Returns and rankings

Category: Debt Banking and PSU
Annualised returns
Absolute returns
1Y3Y5YAll
Fund returns9.2%7.8%6.1%8.1%
Category average8.9%7.4%5.8%NA
Rank with in category161010NA
Understand terms

Expense ratio, exit load and tax

Expense ratio: 0.33%

Inclusive of GST

Exit load

Nil

Stamp duty

0.005% (from July 1st, 2020)

Tax implication

Returns are taxed as per your Income Tax slab.

Understand terms
Check past data

Fund management

Sandeep Yadav
Aug 2024 - Present
View details

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.
Also manages these schemes

Fund house & investment objective

Fund house contact details

Address
The Ruby, 25th Floor29, Senapati Bapat Marg,Dadar (West), Mumbai Mumbai 400028
Phone
+91 22 6657 8000
Launch Date
16 Dec 1996
E-mail
NA
Website
DSP Mutual Fund
Asset Management Company
Custodian
Citibank NA
Registrar & Transfer Agent
Cams
Address
7th Floor, Tower II, Rayala Towers, 158, Anna Salai,

Pros and cons

Category: Debt Banking and PSU

Pros

Exit load is zero
Lower expense ratio: 0.33%
Average credit rating of the fund's holdings: AAA This fund has holdings of the highest quality
Consistently higher annualised returns than category average for the past 1Y, 3Y, 5Y and 10Y

Cons

Low rating: 2

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