Should I invest in DSP Banking & PSU Debt Fund?

We don't give personal investment advice. DSP Banking & PSU Debt Fund - Direct Plan - Growth is suitable for an investor whose:understands what asset class this scheme actually invests in (check the factsheet)matches that asset class's volatility profile to their goal horizonCross-check the numbers above against alternatives before deciding. Worst 5-year drawdown: 1.1%. 5-year CAGR: 5.82%.

DSP

DSP Banking & PSU Debt Fund - Direct Plan - Growth

Latest NAV

₹25.7140

As of

3 Jun 2026

3,075 NAV records on file

NAV history & peer comparison

All NAVs split-adjusted and normalised to 100 at the start of the selected period, so funds with very different absolute NAV scales can be compared on one axis.

Period

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Returns matrix

Fund return alongside the category average and peer rank for every standard window. Returns under one year are absolute; one year and longer are compound annualised (CAGR).

Window	Fund	Category avg	+/− vs avg	Rank	Quartile
1D	+0.05%	+0.05%	0.00	15 / 22	Q3
1W	+0.23%	+0.24%	-0.01	15 / 22	Q3
2W	+0.48%	+0.34%	+0.14	1 / 22	Q1
1M	+0.12%	+0.18%	-0.07	18 / 22	Q4
3M	-0.09%	+0.45%	-0.53	22 / 22	Q4
6M	+0.77%	+1.44%	-0.66	22 / 22	Q4
YTD	+0.57%	+1.13%	-0.56	22 / 22	Q4
1Y	+2.57%	+4.05%	-1.48	22 / 22	Q4
2Y	+6.36%	+6.86%	-0.50	21 / 22	Q4
3Y	+6.63%	+6.85%	-0.21	17 / 20	Q4
4Y	+6.68%	+6.95%	-0.27	17 / 18	Q4
5Y	+5.82%	+6.12%	-0.30	15 / 18	Q4
7Y	+6.72%	+6.90%	-0.17	13 / 16	Q4
10Y	+7.10%	+7.17%	-0.07	11 / 15	Q3
Inception	+7.71%	+7.37%	+0.33	7 / 21	Q2

Quartile legend: Q1 top 25% Q2 25-50% Q3 50-75% Q4 bottom 25%

Calendar-year returns

Full-year performance vs category average. Current year is partial (year-to-date).

Year	Fund	Category avg	+/− vs avg	Rank
2026 YTD	+0.57%	+1.15%	-0.58	21 / 21
2025	+7.16%	+7.73%	-0.57	20 / 21
2024	+8.97%	+8.19%	+0.77	1 / 21
2023	+6.98%	+7.05%	-0.07	13 / 20
2022	+3.47%	+3.98%	-0.51	13 / 18
2021	+3.35%	+3.82%	-0.47	14 / 18
2020	+11.09%	+10.42%	+0.67	6 / 16
2019	+10.38%	+10.17%	+0.21	11 / 16
2018	+6.55%	+6.92%	-0.37	12 / 16
2017	+5.76%	+5.82%	-0.06	12 / 17
2016	+11.00%	+10.00%	+1.00	5 / 16

Rolling returns

Removes start-date bias by averaging CAGR over every overlapping N-year window in the fund's history. Higher average plus tight min/max plus high "% positive" = consistent.

1-Year rolling

+7.80%

143 windows

min 2.5% · max 12.9%

100% positive

3-Year rolling

+7.60%

119 windows

min 4.5% · max 10.8%

100% positive

5-Year rolling

+7.50%

95 windows

min 5.8% · max 9.1%

100% positive

7-Year rolling

+7.60%

70 windows

min 6.6% · max 9.3%

100% positive

SIP returns — historical "what if"

If you had invested every month in this fund over the chosen period, this is what your investment would be worth today.

Period

Total invested

₹ —

Today's value

₹ —

XIRR

Annualised

Wealth multiplier

Period	Total invested	Today's value	XIRR	Wealth multiplier

XIRR is the annualised internal rate of return on the SIP cash flow — invariant to the monthly amount. "Today's value" and "Total invested" scale linearly with the slider. Past performance does not guarantee future returns. Excludes exit load and taxes.

Risk profile

Risk-adjusted return and volatility, computed from monthly NAV returns over the trailing 3-year and 5-year windows.

Std deviation

1.98%

3-year · annualised

Sharpe ratio

-0.02

vs risk-free 6.5%

Sortino ratio

-0.06

Downside-only deviation

Max drawdown

-1.09%

Mar 2026 → Apr 2026

% positive months

86.1%

Share of monthly returns > 0 over the 3-year window

Sharpe / Sortino use a risk-free rate of 6.5% (1-year T-bill proxy). Higher Sharpe = more return per unit of total risk; higher Sortino = more return per unit of downside risk.

Peers in Banking & PSU Fund

Scheme	Fund house	NAV	As of
HDFC Banking and PSU Debt Fund - Growth Option - Direct Plan	HDFC	₹24.9106	3 Jun 2026
Nippon India Banking and PSU Fund- Direct Plan-Growth Plan- Growth Option	Nippon India	₹22.3658	3 Jun 2026
SBI BANKING & PSU FUND - Direct Plan - Growth	SBI	₹3,450.9960	3 Jun 2026
ICICI Prudential Banking and PSU Debt Fund - Direct Plan - Growth	ICICI Prudential	₹35.6482	3 Jun 2026
Invesco India Banking and PSU Fund - Direct Plan - Growth Option	Invesco	₹2,518.9537	3 Jun 2026
Bandhan Banking and PSU Fund - Direct Growth	Bandhan	₹26.4454	3 Jun 2026
Aditya Birla Sun Life Banking & PSU Debt Fund- Direct Plan-Growth	Aditya Birla Sun Life	₹395.5958	3 Jun 2026
Franklin India Banking & PSU Debt Fund - Direct - Growth	Franklin India	₹24.7373	3 Jun 2026
Mirae Asset Banking and PSU Fund - Direct Plan - Growth	Mirae Asset	₹13.7330	3 Jun 2026
Kotak Banking and PSU Debt Direct - Growth	Kotak	₹71.1226	3 Jun 2026

Recent NAVs

Date	NAV
3 Jun 2026	₹25.7140
2 Jun 2026	₹25.7272
1 Jun 2026	₹25.7135
29 May 2026	₹25.7028
27 May 2026	₹25.6856
26 May 2026	₹25.6679
25 May 2026	₹25.6621
22 May 2026	₹25.6000
21 May 2026	₹25.5748
20 May 2026	₹25.5981

Frequently asked questions

These answers are generated from this fund's live metrics — NAV, returns, peer rank, drawdown, SIP backtest. Numbers refresh nightly after AMFI's NAV feed lands.

As of 03 Jun 2026, the NAV of DSP Banking & PSU Debt Fund - Direct Plan - Growth is ₹25.7140. It's a Banking & PSU Fund from DSP, run as a Direct plan Growth option. NAVs update once per business day from the AMFI feed.

DSP Banking & PSU Debt Fund - Direct Plan - Growth has NAV history starting from 16 Sep 2013, a track record of about 12 years 8 months. That's enough history to evaluate the fund across one or two market cycles. Look at rolling returns rather than point-to-point to judge consistency.

DSP Banking & PSU Debt Fund - Direct Plan - Growth is managed by DSP. It's classified by AMFI under the 'Banking & PSU Fund' SEBI category, which determines its peer set and tax treatment.

Over the trailing 1-year window, DSP Banking & PSU Debt Fund - Direct Plan - Growth has delivered a absolute return of 2.57% — -1.48 pp behind the Banking & PSU Fund category average of 4.05%. The fund ranks #22 of 22 in its category — the bottom (Q4) quartile.

Over the trailing 3-year window, DSP Banking & PSU Debt Fund - Direct Plan - Growth has delivered a CAGR of 6.63% — -0.21 pp behind the Banking & PSU Fund category average of 6.85%. The fund ranks #17 of 20 in its category — the bottom (Q4) quartile.

Over the trailing 5-year window, DSP Banking & PSU Debt Fund - Direct Plan - Growth has delivered a CAGR of 5.82% — -0.3 pp behind the Banking & PSU Fund category average of 6.12%. The fund ranks #15 of 18 in its category — the bottom (Q4) quartile.

₹1 lakh invested in DSP Banking & PSU Debt Fund - Direct Plan - Growth exactly 10 years ago would be worth approximately ₹198,647 today — a multiplier of 1.99×, based on the 10-year CAGR of 7.10%. The category average over the same window would have grown ₹1 lakh to ₹199,874.

A ₹10,000 monthly SIP in DSP Banking & PSU Debt Fund - Direct Plan - Growth over the last 5 years — total invested ₹600,000 — would be worth ₹701,857 today. That's an XIRR (money-weighted annualised return) of 6.20%.

A ₹10,000 monthly SIP for 10 years in DSP Banking & PSU Debt Fund - Direct Plan - Growth = ₹1,200,000 invested. It would currently be worth ₹1,684,073 (multiplier 1.40×). XIRR: 6.59%. Long-horizon SIP results matter more than point-to-point returns because they smooth out entry timing.

On a 5-year basis, DSP Banking & PSU Debt Fund - Direct Plan - Growth ranks #15 out of 18 funds in the Banking & PSU Fund category — that places it in the bottom quartile (Q4) — material underperformance. The category average return over the same window is 6.12%; this fund delivered 5.82%.

The worst peak-to-trough decline DSP Banking & PSU Debt Fund - Direct Plan - Growth has experienced over the last 5-year window is 1.09% — its NAV fell from a high on 02 Mar 2026 to a low on 02 Apr 2026. Drawdown is a useful gauge of how much short-term pain you'd have endured to capture the long-term return.

Across all 5-year rolling windows, DSP Banking & PSU Debt Fund - Direct Plan - Growth averaged 7.50% (best 9.14%, worst 5.80%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is -0.46 — negative risk-adjusted performance.

In calendar year 2025, DSP Banking & PSU Debt Fund - Direct Plan - Growth returned 7.16% — lagging the Banking & PSU Fund category average of 7.73% by 0.57 pp. It ranked #20 of 21 in its category that year.

DSP Banking & PSU Debt Fund - Direct Plan - Growth doesn't fit cleanly into the standard Equity/Debt buckets in our taxonomy. Tax treatment depends on actual asset allocation as disclosed by the AMC — check the factsheet or AMFI's classification table.

We don't give personal investment advice. DSP Banking & PSU Debt Fund - Direct Plan - Growth is suitable for an investor whose:

understands what asset class this scheme actually invests in (check the factsheet)
matches that asset class's volatility profile to their goal horizon

Cross-check the numbers above against alternatives before deciding. Worst 5-year drawdown: 1.1%. 5-year CAGR: 5.82%.

Educational content only — not investment advice. Tax rules summarised above reflect Budget 2024; consult a qualified adviser before transacting.

DSP Banking & PSU Debt Fund - Direct Plan - Growth

NAV history & peer comparison

Returns matrix

Calendar-year returns

Rolling returns

SIP returns — historical "what if"

Risk profile

Peers in Banking & PSU Fund

Recent NAVs

Frequently asked questions

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