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 & PSU Debt Fund - Regular Plan - IDCW - Monthly
★★★★★ 3rd-party
External rating
- Source: Third-party data provider (Groww/CRISIL)
- Original rating: 1/5, 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: 52/100 · Average
How this score is calculated
- Star rating (35%)1/5
- 3Y CAGR (30%)6.81%
- Expense ratio (20%)0.34%
- AUM (15%)₹3,270 Cr
Not investment advice — an analytical read of public fund data. Methodology →
DSP Mutual Fund · Debt · Banking and PSU
₹26.29
AUM: ₹3,270 Cr
NAV updated 3 days ago
Plan
Regular
Option
Idcw
Risk
Moderate
Expense Ratio
0.34%
Exit Load
Nil
Fund Manager
Vikram Chopra, Saurabh Bhatia
Inception
Sep 2013
Benchmark
Nifty Banking & PSU Debt Index A-II
Sharpe Ratio
-2.58
Std Dev (1Y)
2.52%
Historical Returns (CAGR)
Annualized trailing returns computed from NAV history — past performance only, not a guarantee of future results.
1m
-0.06%
3m
+0.58%
6m
+2.86%
1y
+4.32%
3y
+6.81%
5y
+5.97%
10y
+6.89%
since inception
+0.28%
TopFund's Take on DSP Banking & PSU Debt Fund - Regular Plan - IDCW - Monthly
DSP Banking & PSU Debt Fund - Regular Plan - IDCW - Monthly sits in the middle of the pack for Banking and PSU funds, currently carrying a 1-star rating. TopFund's composite Health Score, which weighs rating, 3-year CAGR, expense ratio and fund size, puts it at 52/100.
Cost: At 0.34%, the expense ratio is roughly in line with the Banking and PSU category average of 0.35% — 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 -2.58 — over the past year, returns haven't kept pace with the volatility involved, even before accounting for the risk-free rate. Separately, annualised volatility of 2.52% is on the lower side for a Banking and PSU fund, suggesting a comparatively smoother ride.
Who should invest: This fund is best suited to conservative investors prioritising capital stability and predictable income over high growth.
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 & PSU Debt Fund - Regular Plan - IDCW - Monthly
The current NAV (Net Asset Value) of DSP Banking & PSU Debt Fund - Regular Plan - IDCW - Monthly is ₹26.29. NAV is updated every business day after market close by AMFI.
1Y: 4.32% · 3Y CAGR: 6.81% · 5Y CAGR: 5.97%
The expense ratio of DSP Banking & PSU Debt Fund - Regular Plan - IDCW - Monthly is 0.34% per annum. This is the annual fee charged by the fund to manage your investment.
DSP Banking & PSU Debt Fund - Regular Plan - IDCW - Monthly is managed by Vikram Chopra, Saurabh Bhatia at DSP Mutual Fund.
DSP Banking & PSU Debt Fund - Regular Plan - IDCW - Monthly is classified as a Moderate risk fund. It is suitable for investors with a moderate risk appetite.
DSP Banking & PSU Debt Fund - Regular Plan - IDCW - Monthly is a Banking and PSU fund. SIP suitability depends on your investment goal and risk profile.
You can start a SIP in DSP Banking & PSU Debt Fund - Regular Plan - IDCW - Monthly 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 & PSU Debt Fund - Regular Plan - IDCW - Monthly is ₹3,270 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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