DSP Banking & PSU Debt Fund Regular Growth - Latest NAV ₹18.5033, Returns, Performance & Portfolio

DSP Banking & PSU Debt Fund Regular Growth

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Start your investment

Min amount: ₹500

Calculate Returns

Rs. 1,000 invested monthly becomes Rs. 6.38 Lakhs in a period of 20 years

Fund Summarystar

PeriodReturns(per year)
10 Years--
5 Years8.58%
3 Years8.59%
1 Year11.21%
6 Months6.03%
Fund Details
RiskModerate Risk
Fund TypeBanking & PSU
Exit Load--

More about this fundstar

Top HoldingsWeightage
7.27% Govt Stock 202615.48%
7.59% Govt Stock 20269%
NTPC Limited7.48%
Hindustan Petroleum Corporation Limited7.18%
Indian Oil Corporation Limited4.71%
6.79% Govt Stock 20274.68%
Power Finance Corporation Limited3.5%
National Housing Bank2.99%
Rural Electrification Corporation Limited2.78%
National Bank For Agriculture and Rural Development2.76%

About DSP Banking And PSU Debt Fund

DSP Banking And PSU Debt Fund is an open-ended scheme investing in money market and debt securities issued by banks and public sector undertakings, public financial institutions and Municipal Bonds. The scheme aims to generate income and capital appreciation over a short-term. Government bonds may include other SDLs, UDAY, oil bonds, etc.

Pros & Cons of DSP Banking And PSU Debt Fund

DSP Banking And PSU Debt Fund offers the following benefits:

  • The fund empowers investors to generate regular income and capital appreciation with low risk and high liquidity.
  • The fund enables investors to diversify the portfolio.
  • Recent returns are better than average category return, whereas 1-year and above returns are lower.

Fund Information and Statistics of DSP Banking And PSU Debt Fund

Inception / Launch date

DSP Banking And PSU Debt Fund was launched on September 14, 2013, by DSP Mutual Fund.

Risk level

This fund is a moderate risk-bet and suitable for short-term investment horizon.


The Scheme will offer units for purchase and redemption at applicable NAV prices. Under normal circumstances, your fund house will dispatch the redemption proceeds within 3 business days.

Fund Manager

The fund is managed by Mr Vikram Chopra since July 2016 and Mr Saurabh Bhatia since February 2018.

Entry / Exit load

The fund house does not charge any entry load or exit load.

Tax benefits of investing in DSP Banking And PSU Debt Fund

  • A Short-term capital gain tax will be levied on unitholders as per the income tax slab rate if units are held for less than 36 months.
  • A long-term capital gains tax of 20% is applicable with indexation if units are held for more than 36 months.
  • Dividend distribution tax will be deducted before distribution of the dividend.

About DSP Mutual Fund

DSP Mutual Fund aims to balance between risk and opportunities to ensure maximum benefits for the investors. It follows a disciplined investment process and sophisticated analytical tools to consistently deliver value for the investors. The fund house takes measured risks to optimise investment opportunities.

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Frequently Asked Questions

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Start your investment

Min amount: ₹500

Calculate Returns

Rs. 1,000 invested monthly becomes Rs. 6.38 Lakhs in a period of 20 years
Moderate Risk

All investments come with risk. Risk is the volatility or fluctuation in the price (and returns) of the investment. Usually,

  • High Risk = High possible returns
  • Low Risk = Stable, relatively lower returns