Data shown is for informational purposes only and does not constitute investment advice. TopFund is not SEBI-registered. Consult a SEBI-registered advisor before investing.
DSP Banking & Financial Services Fund - Direct - IDCW
★★★★★ 3rd-party
External rating
- Source: Third-party data provider (Groww/CRISIL)
- Original rating: 3/5, displayed as-is — TopFund does not modify third-party ratings
- Refresh frequency: Whenever TopFund re-syncs this fund's data
- Limitations: The provider's own rating methodology isn't disclosed here — see the provider's own site for their criteria
TopFund Score: 70/100 · Good
How this score is calculated
- Star rating (35%)3/5
- 3Y CAGR (30%)14.13%
- Expense ratio (20%)1.08%
- AUM (15%)₹460 Cr
Not investment advice — an analytical read of public fund data. Methodology →
DSP Mutual Fund · Equity · Sectoral
₹56.3
AUM: ₹459 Cr
NAV updated 9 days ago
Plan
Direct
Option
Idcw
Risk
Very High
Expense Ratio
1.08%
Exit Load
Exit load of 1%, if redeemed within 30 days.
Fund Manager
Deepak Acharya
Inception
Jan 2013
Benchmark
NIFTY Financial Services Total Return Index
Sharpe Ratio
-0.11
Std Dev (1Y)
20.75%
Historical Returns (CAGR)
Annualized trailing returns computed from NAV history — past performance only, not a guarantee of future results.
1m
-1.17%
3m
+1.83%
6m
+6.17%
1y
+4.48%
3y
+14.13%
5y
+11.75%
10y
+12.23%
since inception
+9.79%
TopFund's Take on DSP Banking & Financial Services Fund - Direct - IDCW
DSP Banking & Financial Services Fund - Direct - IDCW holds up reasonably well within the Sectoral category, currently carrying a 3-star rating. It has delivered steady, if unspectacular, returns over a full market cycle. TopFund's composite Health Score, which weighs rating, 3-year CAGR, expense ratio and fund size, puts it at 70/100.
Cost: At 1.08%, the expense ratio is roughly in line with the Sectoral category average of 0.99% — cost isn't a standout factor either way for this fund.
Risk-adjusted performance: Over the trailing 1-year period, the fund shows a negative Sharpe ratio of -0.11 — over the past year, returns haven't kept pace with the volatility involved, even before accounting for the risk-free rate. Separately, with 20.75% annualised volatility, this is among the more turbulent funds in the Sectoral space — expect sharp swings in both directions.
Who should invest: This fund is best suited to investors whose goals and risk appetite align with a Equity fund. Given the Very High risk rating, this fund is not suited to short-term goals or investors who may need to exit within 2-3 years.
This is an automated, data-driven analysis based on the fund's own metrics and its category peers — not personalized investment advice. Consult a SEBI-registered advisor before investing.
Sector Allocation
Asset Allocation
Fund Snapshot
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Tools & Guides for This Fund
Frequently Asked Questions about DSP Banking & Financial Services Fund - Direct - IDCW
The current NAV (Net Asset Value) of DSP Banking & Financial Services Fund - Direct - IDCW is ₹56.3. NAV is updated every business day after market close by AMFI.
1Y: 4.48% · 3Y CAGR: 14.13% · 5Y CAGR: 11.75%
The expense ratio of DSP Banking & Financial Services Fund - Direct - IDCW is 1.08% per annum. This is the annual fee charged by the fund to manage your investment.
DSP Banking & Financial Services Fund - Direct - IDCW is managed by Deepak Acharya at DSP Mutual Fund.
DSP Banking & Financial Services Fund - Direct - IDCW is classified as a Very High risk fund. It is suitable for aggressive investors with a long-term horizon of 5+ years.
DSP Banking & Financial Services Fund - Direct - IDCW is a Sectoral fund. SIP suitability depends on your investment goal and risk profile.
You can start a SIP in DSP Banking & Financial Services Fund - Direct - IDCW with as little as ₹500 per month through most mutual fund platforms. The minimum lump sum investment is typically ₹1,000.
The Assets Under Management (AUM) of DSP Banking & Financial Services Fund - Direct - IDCW is ₹460 crore. AUM indicates the total market value of assets managed by the fund.
* Past performance is not indicative of future results. Mutual fund investments are subject to market risks.
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