DSP Banking and PSU Debt Fund - Direct Plan - IDCW

NAVs of 8 Nov 2026

DSP Mutual Fund · Debt fund · Direct plan · IDCW

Banking & PSUDirect · IDCW

NAV · 6 Nov 2026

₹10.4173 ▲ 0.03%

DSP Mutual Fund

Fund size₹3,150 crJuly - September 2026

1-month range₹10.34 – 10.42

1 year+0.18%

Expense ratio0.34%direct plan, a year

5 years+0.47%a year

What the fund does

Debt fund in the Banking & PSU category, from DSP Mutual Fund.

Fund houseDSP Mutual Fund

NAV history

Returns

1 week

+0.65%avg 0.6%

1 month

+0.17%avg 0.3%

3 months

-0.21%avg 0.5%

6 months

+0.12%avg 2.7%

This year

+0.18%avg 3.9%

1 year

+0.18%avg 4.5%

3 years (a year)

+0.59%avg 7.1%

5 years (a year)

+0.47%avg 6.4%

Bars: this plan; the thin mark is the Banking & PSU average (direct plans, growth option). Over a year: yearly averages (CAGR). Past returns do not guarantee future returns. Information only, not investment advice.

Monthly returns (%)

Year	Jan	Feb	Mar	Apr	May	Jun	Jul	Aug	Sep	Oct	Nov	Dec
2024												+0.5
2025	-0.4	+0.0	+1.6	-0.1	-0.9	-0.5	+0.7	-0.5	+0.6	-0.3	+0.4	-0.3
2026	-0.2	+0.9	-1.6	+0.6	+0.1	+0.5	-0.2	-0.1	-0.1	-0.4	+0.7

Each month's change in NAV (the current month to the latest NAV).

What if you had invested?

Amount (₹) Started

Worked out from this plan's actual NAVs. SIP: invested on the first NAV of each month. Taxes and exit loads are not included. Past returns do not guarantee future returns. Information only, not investment advice.

Portfolio as on 30 Sept 2026

Holdings4345 lines in all

Top 10 holdings40.3%of the fund

Debt91.9%bonds, government securities

Money market7.4%CDs, CPs, treasury bills

Where the money is

Debt 91.9%Money market 7.4%Cash & others 0.7%

Credit quality (debt and money market)

AAA

79.5%

Sovereign

12.3%

A1+

7.4%

Changes since 31 Aug 2026

Share of fund	30 Sept 2026	31 Aug 2026	Change
Debt	91.9%	77.9%	+13.97
Money market	7.4%	21.5%	-14.09
Cash & others	0.7%	0.6%	+0.12

Change is in percentage points. Bought more and cut back list stocks whose share of the fund moved by at least 0.25 points. A share can also move because the price changed, not only because the fund traded.

Bonds, money market and cash 45

Holding	Sector / type	% of fund
HDFC Bank Limited** INE040A08955	CRISIL AAA	4.96%
Union Bank of India** INE692A16MQ5	ICRA A1+	4.59%
Bharti Telecom Limited** INE403D08272	CRISIL AAA	4.10%
GAIL (India) Limited** INE129A08014	IND AAA	4.07%
Bharti Telecom Limited** INE403D08280	CRISIL AAA	4.02%
Small Industries Development Bank Of India** INE556F08LE6	CRISIL AAA	3.96%
Export-Import Bank Of India** INE514E08GG3	CRISIL AAA	3.94%
Small Industries Development Bank Of India** INE556F08LF3	CRISIL AAA	3.87%
7.08% Haryana SDL 26032039 IN1620240367	Sovereign	3.79%
National Housing Bank** INE557F08FX6	IND AAA	2.96%
Power Grid Corporation of India Limited** INE752E07OF7	CRISIL AAA	2.95%
Power Finance Corporation Limited** INE134E08LN6	CRISIL AAA	2.93%
REC Limited** INE020B08FB0	CRISIL AAA	2.92%
Tata Capital Housing Finance Limited INE033L07IW4	CRISIL AAA	2.90%
HDFC Bank Limited** INE040A08773	CRISIL AAA	2.88%
Punjab National Bank INE160A16UV6	CRISIL A1+	2.81%
6.90% GOI 15042065 IN0020250018	Sovereign	2.69%
Power Finance Corporation Limited** INE134E08NB7	CRISIL AAA	2.41%
Indian Railway Finance Corporation Limited** INE053F07AY7	CRISIL AAA	2.12%
National Bank for Financing Infrastructure and Development** INE0KUG08068	CRISIL AAA	2.10%
Power Finance Corporation Limited** INE134E08LX5	CRISIL AAA	2.04%
7.32% GOI 13112030 IN0020230135	Sovereign	2.01%
Power Finance Corporation Limited** INE134E08MA1	CRISIL AAA	2.00%
Indian Railway Finance Corporation Limited** INE053F08320	CRISIL AAA	1.99%
Power Grid Corporation of India Limited** INE752E08767	CRISIL AAA	1.98%
REC Limited INE020B08FA2	CRISIL AAA	1.98%
Power Grid Corporation of India Limited** INE752E08734	CRISIL AAA	1.96%
State Bank Of India** INE062A08470	IND AAA	1.94%
7.43% Maharashtra SDL 03122040 IN2220250392	Sovereign	1.90%
State Bank Of India** INE062A08421	ICRA AAA	1.87%
REC Limited** INE020B08FV8	ICRA AAA	1.85%
State Bank Of India** INE062A08405	CRISIL AAA	1.23%
Export-Import Bank Of India INE514E08GD0	CRISIL AAA	1.01%
REC Limited** INE020B08EX7	ICRA AAA	1.00%
REC Limited** INE020B08FQ8	CRISIL AAA	0.98%
6.94% GOI 11052036 IN0020260025	Sovereign	0.98%
Indian Railway Finance Corporation Limited** INE053F08403	CRISIL AAA	0.97%
NTPC Limited** INE733E08262	CRISIL AAA	0.96%
REC Limited** INE020B08DV3	CRISIL AAA	0.96%
National Bank for Financing Infrastructure and Development** INE0KUG08019	CRISIL AAA	0.96%
7.17% Gujarat SDL 04022032 IN1520250276	Sovereign	0.96%
Power Finance Corporation Limited** INE134E08NJ0	CRISIL AAA	0.78%
SBI Funds Management Pvt Limited/Fund Parent INF0RQ622028	–	0.47%
Net Receivables/Payables	–	0.20%
TREPS / Reverse Repo Investments	–	0.05%

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From the fund house's monthly portfolio (dspim.com), as on 30 Sept 2026. Percentages are of the fund's net assets. Published about ten days after each month ends.

Risk

Volatility2.5%yearly, from daily NAVs

Worst fall-2.28%25 Jun 2026 → 28 Oct 2026

Volatility: how much the NAV moves, as a yearly figure (higher = bumpier). Worst fall: the biggest drop from a high, in the NAV history we hold (from 31 May 2016).

Fund details

Fund size (average AUM, July - September 2026)	₹3,150 cr across all plans · this plan ₹0.12 cr
Fund house	DSP Mutual Fund
Category	Debt · Banking & PSU
Plan	Direct
Option	IDCW
Expense ratio (TER)	Direct 0.34% · Regular 0.58% (5 Nov 2026)
Scheme code (AMFI)	124176
ISIN	INF740K01ZX0
NAV date	6 Nov 2026

Other plans of this fund

Plan	NAV	1 year
Direct · Growth	₹26.3432	+3.48%
Direct · IDCW	₹10.4393	-0.47%
Direct · IDCW	₹10.6315	-0.97%
Direct · IDCW	₹10.1465	-0.42%
Direct · IDCW	₹10.1461	-0.38%
Regular · Growth	₹25.3486	+3.20%
Regular · IDCW	₹10.1399	-0.48%
Regular · IDCW	₹10.6105	-0.99%
Regular · IDCW	₹10.1392	-0.44%
Regular · IDCW	₹10.3973	+0.10%
Regular · IDCW	₹10.4270	-0.49%

Top Banking & PSU funds (direct plans)

Fund	1 year	3 years (a year)
UTI Banking & PSU Debt Fund	+5.80%	+7.46%
Franklin India Banking & PSU Debt Fund	+5.53%	+7.40%
LIC MF Banking & PSU Debt Fund	+4.61%	+7.26%
Kotak Banking and PSU Debt Fund	+4.77%	+7.26%
ICICI Prudential Banking and PSU Debt Fund	+4.90%	+7.13%
Edelweiss Banking and PSU Debt Fund	+4.22%	+7.12%
Invesco India Banking and PSU Debt Fund	+4.37%	+7.11%
SBI BANKING & PSU DEBT FUND	+4.47%	+7.11%

All Banking & PSU funds ranked › · Compare with others ›

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Information only, not investment advice.

What is the NAV of DSP Banking and PSU Debt Fund - Direct Plan - IDCW today?

₹10.4173 as of 6 Nov 2026, from AMFI's official NAV data.

What are the returns of DSP Banking and PSU Debt Fund - Direct Plan - IDCW?

1 year: 0.18%, 3 years: 0.59% a year, 5 years: 0.47% a year

What is the difference between direct and regular plans?

Both invest in the same portfolio. Direct plans are bought straight from the fund house and pay no distributor commission, so their expenses are lower and their NAV grows slightly faster.