DSP Banking and PSU Debt Fund Direct-IDCW
DSP Mutual Fund · Debt Banking and PSU
Return calculator
| Over the past | Total investment | Would've become | Historic returns | Returns |
|---|---|---|---|---|
| Loading NAV history… | ||||
A SIP on the 1st of every month at that day's NAV. Past returns do not guarantee future returns.
Returns and rankings
| Name | 6M | 1Y | 3Y | 5Y |
|---|---|---|---|---|
| Fund returns | -0.2% | -0.4% | +0.4% | +0.3% |
| Category average (Banking and PSU) | +0.7% | +0.5% | +1.7% | +1.7% |
| Rank (Banking and PSU) | 34 / 52 | 26 / 52 | 24 / 50 | 22 / 46 |
Ranked among Banking and PSU funds, Direct plan, IDCW option. 3Y and 5Y are annualised.
Advanced ratios
Calculated from daily NAVs over available history, with a 6.5% risk-free rate.
Minimum investments
Exit load, stamp duty and tax
Exit load
Not published in the AMFI data for this scheme. See the scheme information document on the fund house website.
Stamp duty on investment: 0.005% (from 1 July 2020)
Tax implication
Gains are added to your income and taxed at your income-tax slab rate, whatever the holding period (units bought from 1 April 2023).
FAQs
How to invest in DSP Banking and PSU Debt Fund Direct-IDCW?
Open your Do Trading account (KYC), choose Monthly SIP or One-time in the Invest panel, enter the amount and confirm the order with the OTP sent to your email.
What kind of returns does DSP Banking and PSU Debt Fund Direct-IDCW provide?
6M: -0.15% · 1Y: -0.36% · 3Y (annualised): +0.39% · 5Y (annualised): +0.34%
What is the NAV of DSP Banking and PSU Debt Fund Direct-IDCW?
₹10.3500 as on 30 Oct 2026.
How risky is DSP Banking and PSU Debt Fund Direct-IDCW?
Its riskometer level is Moderate. Over available history its NAV moved 2.5% a year (volatility) and fell at most 2.3% from a peak.
How to redeem DSP Banking and PSU Debt Fund Direct-IDCW?
In the Invest panel choose Redeem, enter the units (or redeem all) and confirm with the OTP. The amount reaches your bank account after the fund house processes it, usually 1–3 working days.
Can I invest in SIP and lump sum of DSP Banking and PSU Debt Fund Direct-IDCW?
Yes. The minimum is ₹100 for a one-time investment or a monthly SIP.
How is DSP Banking and PSU Debt Fund Direct-IDCW taxed?
Gains are added to your income and taxed at your income-tax slab rate, whatever the holding period (units bought from 1 April 2023).
Credit quality
DSP Mutual Fund bank borrowing and intraday lines anchor on its weakest short-duration debt scheme: DSP Liquid Fund (AA+mfs, Sep 2026).
Issuers above the single-issuer limit
- Power Finance Corporation Limited — 10.16% of NAV vs 10% limit for AAA (excess scored one notch lower)
| Top holdings | Rating | % of NAV | Maturity |
|---|---|---|---|
| HDFC Bank Limited | CRISIL AAA | 4.96% | May 2028 |
| Union Bank of India | ICRA A1+ | 4.59% | Jun 2027 |
| Bharti Telecom Limited | CRISIL AAA | 4.10% | Oct 2027 |
| GAIL (India) Limited | IND AAA | 4.07% | Dec 2027 |
| Bharti Telecom Limited | CRISIL AAA | 4.02% | Dec 2028 |
| Small Industries Development Bank Of India | CRISIL AAA | 3.96% | Jun 2029 |
| Export-Import Bank Of India | CRISIL AAA | 3.94% | Mar 2031 |
| Small Industries Development Bank Of India | CRISIL AAA | 3.87% | Jun 2031 |
| 7.08% Haryana SDL 26032039 | Sovereign | 3.79% | Mar 2039 |
| National Housing Bank | IND AAA | 2.96% | Apr 2031 |
Fund details
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