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DSP Banking & PSU Debt Fund - Regular Plan - IDCW - Quarterly
★★★★★ TopFund est.
TopFund Score (fallback rating)
- Calculated by: TopFund — used only when no third-party rating exists for this fund
- Formula: 3-year trailing return percentile within category, adjusted ±1 star for expense ratio
- Refresh frequency: Whenever TopFund re-syncs this fund's data
- Limitations: A simplified 2-factor estimate, not equivalent to a rating agency's full analysis
TopFund Score: 53/100 · Average
How this score is calculated
- Star rating (35%)3/5
- 3Y CAGR (30%)0.56%
- Expense ratio (20%)0.33%
- AUM (15%)₹3,304 Cr
Not investment advice — an analytical read of public fund data. Methodology →
DSP Mutual Fund · Income/Debt Oriented · Banking and PSU Debt Fund
₹10.44
AUM: ₹3,304 Cr
NAV updated 27 days ago
Plan
Regular
Option
Idcw
Risk
Moderate
Expense Ratio
0.33%
Exit Load
Nil
Fund Manager
Vikram Chopra, Saurabh Bhatia
Inception
Sep 2013
Benchmark
Nifty Banking & PSU Debt Index A-II
Sharpe Ratio
-2.1
Std Dev (1Y)
2.85%
Historical Returns (CAGR)
Annualized trailing returns computed from NAV history — past performance only, not a guarantee of future results.
1m
-0.15%
3m
+0.15%
6m
-0.42%
1y
+0.38%
3y
+0.56%
5y
+0.32%
10y
-0.01%
since inception
+0.32%
TopFund's Take on DSP Banking & PSU Debt Fund - Regular Plan - IDCW - Quarterly
DSP Banking & PSU Debt Fund - Regular Plan - IDCW - Quarterly sits in the middle of the pack for Banking and PSU Debt Fund funds, currently carrying a 3-star rating. TopFund's composite Health Score, which weighs rating, 3-year CAGR, expense ratio and fund size, puts it at 53/100.
Cost: At 0.33%, the expense ratio is roughly in line with the Banking and PSU Debt Fund category average of 0.33% — 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 -2.1 — 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 2.85% is on the lower side for a Banking and PSU Debt Fund 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
Similar Funds
No similar funds found.
Tools & Guides for This Fund
Frequently Asked Questions about DSP Banking & PSU Debt Fund - Regular Plan - IDCW - Quarterly
The current NAV (Net Asset Value) of DSP Banking & PSU Debt Fund - Regular Plan - IDCW - Quarterly is ₹10.44. NAV is updated every business day after market close by AMFI.
1Y: 0.38% · 3Y CAGR: 0.56% · 5Y CAGR: 0.32%
The expense ratio of DSP Banking & PSU Debt Fund - Regular Plan - IDCW - Quarterly is 0.33% per annum. This is the annual fee charged by the fund to manage your investment.
DSP Banking & PSU Debt Fund - Regular Plan - IDCW - Quarterly is managed by Vikram Chopra, Saurabh Bhatia at DSP Mutual Fund.
DSP Banking & PSU Debt Fund - Regular Plan - IDCW - Quarterly 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 - Quarterly is a Banking and PSU Debt Fund 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 - Quarterly 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 - Quarterly is ₹3,304 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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