DSP Mutual Fund

DSP Banking and PSU Debt Fund

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DSP Banking and PSU Debt Fund is a Debt fund managed by DSP Mutual Fund.

Category: Debt
3.5/5
high Risk

1Y

3.6%

3Y

6.98%

5Y

5.96%

10Y

%

Since Inception

0%

Current NAV

₹26.32

Lumpsum

₹5,000

SIP

₹500/month

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Start SIP or make lumpsum investment

Investment Objective

To provide long-term capital appreciation by investing in a diversified portfolio of fixed income instruments. The fund follows a Debt investment strategy managed by DSP Mutual Fund.

Key Features

  • 6.98% CAGR over 3 years
  • Debt category fund
  • Managed by DSP Mutual Fund
  • Min SIP: ₹500/month

Portfolio Holdings

Asset Allocation

Asset allocation data not available for this fund.

Top 5 Holdings

Sector Allocation

Strengths

    Limitations

      Fund Details

      Expense Ratio

      0%

      Exit Load

      Nil

      AUM

      ₹0 Cr

      Fund Manager

      Fund Management Team

      Why this card?

      Low Expense

      Calculated based on rewards, fees, and benefits analysis.

      5.8
      Pro Score
      Returns2.8/10
      Cost Efficiency10/10
      Rating7/10

      This card ranks in the Top 10% for cost efficiency.

      Start Investing

      SIP from ₹500/month

      VIEW ON BROKER on DSP Mutual Fund's website

      Zero commission • Instant investment

      Suitable For

      • Conservative investors seeking stability
      • Short to medium-term parking of funds
      • Regular income seekers

      Tax Information

      Debt taxation: All gains taxed at income tax slab rate regardless of holding period.

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      AI Logic: "Smart Advisor" recommendations are simulated algorithmic suggestions, not personalized advice.

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      Returns vs Benchmark (CRISIL Composite Bond)

      PeriodDSP Banking and PSU Debt FundCRISIL Composite BondDifference
      1Y3.6%——
      3Y6.98%——
      5Y5.96%——

      Return Calculator

      Monthly investment

      Based on 5.96% CAGR (5Y returns)

      PeriodInvestedValueGain
      1Y₹60,000₹61,973+₹1,973
      3Y₹1.8 L₹2.0 L+₹17,539
      5Y₹3.0 L₹3.5 L+₹50,223
      10Y₹6.0 L₹8.2 L+₹2.2 L
      15Y₹9.0 L₹14.6 L+₹5.6 L
      20Y₹12.0 L₹23.1 L+₹11.1 L

      Projections are illustrative. Mutual fund investments are subject to market risks. Past performance does not guarantee future returns.

      How to Invest in DSP Banking and PSU Debt Fund

      1

      Complete KYC

      PAN + Aadhaar verification (one-time, 2 min)

      2

      Choose Plan

      Direct plan recommended (lower expense ratio)

      3

      Set SIP Amount

      Minimum ₹500/month

      4

      Start Investing

      Auto-debit from bank account every month

      Frequently Asked Questions

      Is DSP Banking and PSU Debt Fund a good investment?

      DSP Banking and PSU Debt Fund has delivered 6.98% returns over 3 years with a high risk profile. It's rated 3.5/5. Whether it's good for you depends on your investment horizon (we recommend 5+ years for equity funds) and risk tolerance.

      What is the minimum SIP amount for DSP Banking and PSU Debt Fund?

      The minimum SIP amount is ₹500/month. For lumpsum investment, the minimum is ₹5,000.

      What is the expense ratio of DSP Banking and PSU Debt Fund?

      The expense ratio is 0%. This is the annual fee charged by DSP Mutual Fund for managing the fund. We recommend comparing with similar funds in the Debt category.

      Should I choose Direct or Regular plan?

      Direct plans have 0.5-1% lower expense ratios (no distributor commission). Over 10+ years, this difference compounds to lakhs. We always recommend Direct plans for informed investors.

      Can I withdraw from DSP Banking and PSU Debt Fund anytime?

      Yes, you can redeem your investment anytime. Exit load: Nil. Redemption amount is typically credited within 1-3 business days.

      How are returns taxed?

      Debt taxation: All gains taxed at income tax slab rate regardless of holding period.

      Frequently Asked Questions

      Is DSP Banking and PSU Debt Fund a good investment?›
      DSP Banking and PSU Debt Fund has delivered 6.98% returns over 3 years with a high risk profile. It's rated 3.5/5. Whether it's good for you depends on your investment horizon (we recommend 5+ years for equity funds) and risk tolerance.
      What is the minimum SIP amount for DSP Banking and PSU Debt Fund?›
      The minimum SIP amount is ₹500/month. For lumpsum investment, the minimum is ₹5,000.
      What is the expense ratio of DSP Banking and PSU Debt Fund?›
      The expense ratio is 0%. This is the annual fee charged by DSP Mutual Fund for managing the fund. We recommend comparing with similar funds in the Debt category.
      Should I choose Direct or Regular plan?›
      Direct plans have 0.5-1% lower expense ratios (no distributor commission). Over 10+ years, this difference compounds to lakhs. We always recommend Direct plans for informed investors.
      Can I withdraw from DSP Banking and PSU Debt Fund anytime?›
      Yes, you can redeem your investment anytime. Exit load: Nil. Redemption amount is typically credited within 1-3 business days.
      How are returns taxed?›
      Debt taxation: All gains taxed at income tax slab rate regardless of holding period.
      InvestingPro Verdict

      DSP Banking and PSU Debt Fund

      3.5
      Returns3.0/10
      Consistency3.0/10
      Expense Ratio10.0/10
      Fund Management7.0/10

      DSP Banking and PSU Debt Fund is a Debt fund managed by DSP Mutual Fund with an expense ratio of 0%. It has delivered 6.98% CAGR over 3 years. Best for investors with high risk appetite and long horizon.

      Reviewed by InvestingPro Editorial Team

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