DSP Banking & PSU Debt Fund Regular Growth

Fund Overview

Fund Size

₹2,524 Cr

Expense Ratio

0.56%

ISIN

INF740K01ZP6

Minimum SIP

₹100

Exit Load

No Charges

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 10 years, 11 months and 24 days, having been launched on 14-Sep-13.
As of 05-Sep-24, it has a Net Asset Value (NAV) of ₹22.57, Assets Under Management (AUM) of 2523.66 Crores, and an expense ratio of 0.56%.

DSP Banking & PSU Debt Fund Regular Growth has given a CAGR return of 7.70% since inception.
The fund's asset allocation comprises around 0.00% in equities, 96.70% in debts, and 3.04% 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

+8.18%

+6.69% (Cat Avg.)

3 Years

+5.57%

+5.15% (Cat Avg.)

5 Years

+6.46%

+5.88% (Cat Avg.)

10 Years

+7.47%

+6.29% (Cat Avg.)

Since Inception

+7.70%

— (Cat Avg.)

Portfolio Summaryas of 15th August 2024

Debt	₹2,440.44 Cr	96.70%
Others	₹83.22 Cr	3.30%

Top Holdings

All Holdings

Equity

Debt & Others

Name	Type	Amount	Holdings
7.3% Govt Stock 2053	Bond - Gov't/Treasury	₹287.73 Cr	11.40%
National Bank For Financing Infrastructure And Development	Bond - Corporate Bond	₹152.18 Cr	6.03%
Small Industries Development Bank Of India	Bond - Corporate Bond	₹133.64 Cr	5.30%
HDFC Bank Limited	Bond - Corporate Bond	₹127.21 Cr	5.04%
State Bank Of India	Bond - Corporate Bond	₹118.2 Cr	4.68%
Uttar Pradesh (Government of) 7.48%	Bond - Sub-sovereign Government Debt	₹105.14 Cr	4.17%
Indian Railway Finance Corporation Limited	Bond - Corporate Bond	₹105.12 Cr	4.17%
GAil (India) Limited	Bond - Corporate Bond	₹104.62 Cr	4.15%
National Bank for Agriculture and Rural Development	Bond - Gov't Agency Debt	₹102.83 Cr	4.07%
Rural Electrification Corporation Limited	Bond - Corporate Bond	₹102.55 Cr	4.06%
National Bank For Agriculture And Rural Development	Bond - Corporate Bond	₹78.4 Cr	3.11%
Bajaj Finance Limited	Bond - Corporate Bond	₹78.03 Cr	3.09%
Rural Electrification Corporation Limited	Bond - Corporate Bond	₹77.78 Cr	3.08%
8.34% Govt Stock 2033	Bond - Gov't/Treasury	₹58.39 Cr	2.31%
Small Industries Development Bank Of India	Bond - Corporate Bond	₹53.26 Cr	2.11%
Maharashtra (Government of) 7.48%	Bond - Sub-sovereign Government Debt	₹52.55 Cr	2.08%
Power Finance Corporation Ltd.	Bond - Corporate Bond	₹51.79 Cr	2.05%
National Housing Bank	Bond - Corporate Bond	₹51.49 Cr	2.04%
Power Grid Corporation Of India Limited	Bond - Corporate Bond	₹51.45 Cr	2.04%
Ntpc Limited	Bond - Corporate Bond	₹51.06 Cr	2.02%
Indian Railway Finance Corporation Limited	Bond - Corporate Bond	₹50.98 Cr	2.02%
HDFC Bank Limited	Bond - Corporate Bond	₹50.79 Cr	2.01%
State Bank Of India	Bond - Corporate Bond	₹50.67 Cr	2.01%
National Bank For Financing Infrastructure And Development	Bond - Corporate Bond	₹50.56 Cr	2.00%
National Housing Bank	Bond - Corporate Bond	₹50.55 Cr	2.00%
Indian Railway Finance Corp Ltd.	Bond - Gov't Agency Debt	₹50.5 Cr	2.00%
HDFC Bank Limited	Cash - CD/Time Deposit	₹48.89 Cr	1.94%
Power Grid Corporation Of India Limited	Bond - Corporate Bond	₹46.26 Cr	1.83%
Ntpc Limited	Bond - Corporate Bond	₹28.89 Cr	1.14%
7.46% Govt Stock 2073	Bond - Gov't/Treasury	₹26.93 Cr	1.07%
Treps / Reverse Repo Investments	Cash - Repurchase Agreement	₹26.42 Cr	1.05%
Indian Railway Finance Corporation Limited	Bond - Corporate Bond	₹25.49 Cr	1.01%
Canara Bank	Bond - Gov't Agency Debt	₹23.94 Cr	0.95%
7.42 MP Gs 2045	Bond - Gov't/Treasury	₹21.02 Cr	0.83%
07.12 MP Sdl 2035	Bond - Gov't/Treasury	₹20.45 Cr	0.81%
SBI Funds Management Pvt Ltd/Fund Parent	Mutual Fund - Open End	₹6.49 Cr	0.26%
Net Receivables/Payables	Cash - Collateral	₹1.42 Cr	0.06%

Allocation By Credit Quality (Debt)

AAA

Other Allocation

Equity Sector

Debt & Others

Instruments	Amount	Holdings
Bond - Corporate Bond	₹1,690.96 Cr	67.00%
Bond - Gov't/Treasury	₹414.52 Cr	16.43%
Bond - Gov't Agency Debt	₹177.27 Cr	7.02%
Bond - Sub-sovereign Government Debt	₹157.69 Cr	6.25%
Cash - CD/Time Deposit	₹48.89 Cr	1.94%
Cash - Repurchase Agreement	₹26.42 Cr	1.05%
Mutual Fund - Open End	₹6.49 Cr	0.26%
Cash - Collateral	₹1.42 Cr	0.06%

Risk & Performance Ratios

Fund Managers

Sandeep Yadav

Since August 2024

Shantanu Godambe

Since June 2023

Additional Scheme Detailsas of 15th August 2024

ISIN

INF740K01ZP6

Expense Ratio

0.56%

Exit Load

No Charges

Fund Size

₹2,524 Cr

Age

14 Sep 2013

Lumpsum Minimum

₹100

Fund Status

Open Ended Investment Company

Benchmark

Nifty Banking & PSU Debt Idx A-II TR INR

Investment 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

Capital Gains Taxation:

For investments made on or after 1 April 2023: The entire capital gain is added to the investor's income and is taxed based on the applicable income tax slab.
For investments made before 1 April 2023:

If sold within 2 years of investment: The capital gains are added to the investor's income and taxed according to the applicable tax slab.
If sold after 2 years of investment: The capital gains are taxed at a flat rate of 12.5%.

Holding the units: No tax is applicable as long as you hold the units.

Dividend Taxation:

Dividends are considered part of the investor’s income and are taxed according to their applicable tax slab. Additionally, if an investor’s dividend income exceeds INR 5,000 in a financial year, a 10% Tax Deducted at Source (TDS) is withheld by the fund house before distributing the dividend.

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 name	Expense Ratio	Exit Load	Fund size	1Y
Bandhan Banking & PSU Debt Fund Direct Growth Moderate Risk	0.3%	0.0%	₹14211.17 Cr	7.6%
Bandhan Banking & PSU Debt Fund Regular Growth Moderate Risk	0.6%	0.0%	₹14211.17 Cr	7.3%
Franklin India Banking & PSU Debt Fund Regular Growth Moderate Risk	0.5%	0.0%	₹602.43 Cr	7.4%
Franklin India Banking & PSU Debt Fund Direct Growth Moderate Risk	0.2%	0.0%	₹602.43 Cr	7.7%
PGIM India Banking and PSU Debt fund Direct Growth Moderate Risk	0.2%	0.0%	₹45.38 Cr	6.8%
PGIM India Banking and PSU Debt fund Regular Growth Moderate Risk	0.4%	0.0%	₹45.38 Cr	6.6%
Canara Robeco Banking and PSU Debt Fund Regular Growth Moderate Risk	0.7%	0.0%	₹296.08 Cr	7.2%
Canara Robeco Banking and PSU Debt Fund Direct Growth Moderate Risk	0.3%	0.0%	₹296.08 Cr	7.6%
Tata Banking & PSU Debt Fund Direct Growth Low to Moderate Risk	0.3%	0.0%	₹207.53 Cr	7.0%
Tata Banking & PSU Debt Fund Regular Growth Low to Moderate Risk	0.7%	0.0%	₹207.53 Cr	6.5%

About the AMC

DSP Mutual Fund

+91 18002084499

https://www.dspim.com/

Total AUM

₹1,79,723 Cr

Address

West Wing, 11th Floor, Mumbai, 400021

Other Funds by DSP Mutual Fund

Fund name	Expense Ratio	Exit Load	Fund size	1Y
DSP Multicap Fund Direct Growth Low Risk	0.5%	1.0%	₹1404.03 Cr	-
DSP Nifty Smallcap250 Quality 50 Index Fund Direct Growth Very High Risk	0.3%	0.0%	₹103.15 Cr	-
DSP Banking & Financial Services Fund Direct Growth Very High Risk	0.8%	0.0%	₹818.96 Cr	-
DSP Gold ETF Fund of Fund Direct Growth High Risk	0.6%	0.0%	₹31.69 Cr	-
DSP Multi Asset Allocation Fund Direct Growth Very High Risk	0.3%	1.0%	₹1924.83 Cr	-
DSP FMP - Series 264 - 60M - 17D Direct Growth Low to Moderate Risk	-	0.0%	₹48.13 Cr	8.2%
DSP FMP Series 267 - 1246 Days Direct Growth Low to Moderate Risk	-	0.0%	₹647.23 Cr	8.0%
DSP FMP Series 261 37 Month Direct Growth Moderate Risk	-	-	-	-
DSP Fixed Maturity Plan Series 270 1144 Days Direct Growth Low to Moderate Risk	-	0.0%	-	8.0%
DSP FMP Series 268 - 1281 Days Direct Growth Low to Moderate Risk	-	-	-	8.0%
DSP FMP Series 252 38 Month Direct Growth Moderate Risk	-	0.0%	-	-
DSP Banking & PSU Debt Fund Direct Growth Low to Moderate Risk	0.3%	0.0%	₹2523.66 Cr	8.4%
DSP Dynamic Asset Allocation Fund Direct Growth Moderate Risk	0.7%	1.0%	₹3211.69 Cr	22.4%
DSP Overnight Fund Direct Growth Low Risk	0.1%	0.0%	₹2424.80 Cr	6.8%
DSP Nifty 50 Index Fund Direct Growth Very High Risk	0.2%	0.0%	₹609.70 Cr	29.6%
DSP Nifty Next 50 Index Fund Direct Growth Very High Risk	0.3%	0.0%	₹720.45 Cr	67.1%
DSP Healthcare Fund Direct Growth Very High Risk	0.6%	0.0%	₹2755.75 Cr	56.5%
DSP Global Allocation Fund Direct Growth Very High Risk	1.4%	0.0%	₹64.79 Cr	16.0%
DSP Low Duration Fund Direct Growth Low to Moderate Risk	0.3%	0.0%	₹4733.77 Cr	7.5%
DSP Value Fund Direct Growth Very High Risk	0.9%	1.0%	₹896.17 Cr	39.6%
DSP Nifty SDL Plus G-Sec Jun 2028 30:70 Index Fund Direct Growth Low to Moderate Risk	0.2%	0.0%	₹2272.28 Cr	8.5%
DSP Bond Fund Direct Growth Moderately High risk	0.4%	0.0%	₹380.36 Cr	8.1%
DSP Flexi Cap Fund Direct Growth Very High Risk	0.7%	1.0%	₹11879.33 Cr	39.6%
DSP Government Securities Direct Growth Moderate Risk	0.6%	0.0%	₹1080.98 Cr	10.5%
DSP Equity & Bond Fund Direct Growth Very High Risk	0.7%	1.0%	₹10093.56 Cr	31.9%
DSP Focus Fund Direct Growth Very High Risk	0.9%	1.0%	₹2592.52 Cr	44.4%
DSP Credit Risk Fund Direct Growth Moderately High risk	0.4%	1.0%	₹192.18 Cr	16.6%
DSP India TIGER Fund Direct Growth Very High Risk	0.9%	1.0%	₹5360.43 Cr	59.7%
DSP Liquidity Fund Direct Growth Low to Moderate Risk	0.1%	0.0%	₹18305.12 Cr	7.4%
DSP Regular Saving Fund Direct Growth Moderately High risk	0.5%	0.0%	₹176.94 Cr	16.1%
DSP Small Cap Fund Direct Growth Very High Risk	0.8%	1.0%	₹16084.62 Cr	38.9%
DSP Ultra Short Fund Direct Growth Low to Moderate Risk	0.3%	0.0%	₹2849.35 Cr	7.7%
DSP Short Term Fund Direct Growth Low to Moderate Risk	0.3%	0.0%	₹3203.07 Cr	7.9%
DSP Midcap Fund Direct Growth Very High Risk	0.7%	1.0%	₹20014.36 Cr	43.5%
DSP Natural Resource & New Energy Fund Direct Growth Very High Risk	1.0%	0.0%	₹1287.46 Cr	46.2%
DSP Equity Opportunities Fund Direct Growth Very High Risk	0.7%	1.0%	₹13938.79 Cr	50.8%
DSP Strategic Bond Fund Direct Growth Moderate Risk	0.5%	0.0%	₹1190.88 Cr	10.1%
DSP Savings Fund Direct Growth Low to Moderate Risk	0.3%	0.0%	₹4685.29 Cr	7.5%
DSP Tax Saver Fund Direct Growth Very High Risk	0.7%	0.0%	₹17267.83 Cr	49.2%
DSP World Agriculture Direct Growth Very High Risk	1.5%	0.0%	₹14.14 Cr	0.1%
DSP Top 100 Equity Fund Direct Growth Very High Risk	1.1%	1.0%	₹4328.43 Cr	41.3%
DSP US Flexible Equity Fund Direct Growth Very High Risk	1.5%	0.0%	₹903.74 Cr	18.1%
DSP World Energy Direct Growth Very High Risk	1.5%	0.0%	₹138.31 Cr	4.4%
DSP World Gold Fund of Fund Direct Growth Very High Risk	1.6%	0.0%	₹954.58 Cr	31.1%
DSP World Mining Direct Growth Very High Risk	1.5%	0.0%	₹136.29 Cr	0.2%
DSP Equity Savings Fund Direct Growth Moderate Risk	0.5%	0.0%	₹1553.27 Cr	18.0%
DSP Arbitrage Fund Direct Growth Low Risk	0.3%	0.0%	₹5695.38 Cr	8.2%
DSP Corporate Bond Fund Direct Growth Moderate Risk	0.3%	0.0%	₹2595.16 Cr	7.6%
DSP 10Y G-Sec Fund Direct Growth Moderate Risk	0.3%	0.0%	₹54.07 Cr	9.0%
DSP Nifty SDL Plus G-Sec Sep 2027 50:50 Index Fund Direct Growth Low to Moderate Risk	0.1%	0.0%	₹91.01 Cr	8.4%

Risk Level

Your principal amount will be at Low to Moderate Risk

Still got questions?
We're here to help.

What is the current NAV of DSP Banking & PSU Debt Fund Regular Growth?

The NAV of DSP Banking & PSU Debt Fund Regular Growth, as of 05-Sep-2024, is ₹22.57.

What are the returns of DSP Banking & PSU Debt Fund Regular Growth?

The fund has generated 8.18% over the last 1 year and 5.57% over the last 3 years. However, this does not guarantee that the fund will perform similarly in the future.

What is the portfolio composition of DSP Banking & PSU Debt Fund Regular Growth?

The fund's allocation of assets is distributed as 0.00% in equities, 96.70% in bonds, and 3.04% in cash and cash equivalents.

Who manages the DSP Banking & PSU Debt Fund Regular Growth?

The fund managers responsible for DSP Banking & PSU Debt Fund Regular Growth are:-

Sandeep Yadav
Shantanu Godambe

Disclaimer: Mutual Fund investments are subject to market risks, read all scheme-related documents carefully. The NAVs of the schemes may go up or down depending upon the factors and forces affecting the securities market including the fluctuations in the interest rates. The past performance of the mutual funds is not necessarily indicative of the future performance of the schemes. Investors are requested to review the prospectus carefully and obtain expert professional advice with regard to specific legal, tax and financial implications of the investment/participation in the scheme.

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