Should I invest in DSP Banking & PSU Debt Fund?

We don't give personal investment advice. DSP Banking & PSU Debt Fund - Regular Plan - IDCW 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: 7.3%. 5-year CAGR: 0.07%.

DSP

DSP Banking & PSU Debt Fund - Regular Plan - IDCW

Latest NAV

₹10.3693

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%	+0.04%	+0.01	22 / 46	Q2
1W	+0.23%	+0.20%	+0.03	24 / 46	Q3
2W	+0.47%	+0.19%	+0.28	3 / 46	Q1
1M	+0.09%	+0.10%	0.00	26 / 46	Q3
3M	-4.21%	-0.11%	-4.10	44 / 45	Q4
6M	-3.45%	+0.36%	-3.81	44 / 45	Q4
YTD	-3.62%	+0.24%	-3.86	44 / 45	Q4
1Y	-1.85%	+1.36%	-3.21	42 / 45	Q4
2Y	+0.17%	+2.42%	-2.25	27 / 43	Q3
3Y	-0.03%	+1.94%	-1.97	26 / 37	Q3
4Y	+0.65%	+2.39%	-1.74	18 / 33	Q3
5Y	+0.07%	+2.05%	-1.98	21 / 33	Q3
7Y	+0.02%	+1.88%	-1.86	27 / 31	Q4
10Y	+0.03%	+1.70%	-1.66	23 / 25	Q4
Inception	+0.28%	+2.36%	-2.07	35 / 46	Q4

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	-3.62%	-0.15%	-3.47	35 / 36
2025	-0.67%	+2.43%	-3.10	37 / 37
2024	+1.21%	+2.68%	-1.47	18 / 39
2023	+2.88%	+2.17%	+0.71	12 / 37
2022	-1.23%	+1.72%	-2.95	30 / 33
2021	-7.15%	-0.47%	-6.68	33 / 33
2020	+3.84%	+2.88%	+0.96	13 / 31
2019	+2.35%	+2.39%	-0.04	12 / 30
2018	-0.06%	+1.46%	-1.52	28 / 29
2017	-3.21%	+0.94%	-4.15	34 / 34
2016	+2.18%	+2.13%	+0.05	10 / 30

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

+0.30%

143 windows

min -7.1% · max 5.5%

57% positive

3-Year rolling

+0.15%

119 windows

min -2.1% · max 2.8%

52% positive

5-Year rolling

+0.00%

95 windows

min -1.1% · max 1.2%

51% positive

7-Year rolling

+0.08%

70 windows

min -0.6% · max 1.6%

51% 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

5.88%

3-year · annualised

Sharpe ratio

-1.08

vs risk-free 6.5%

Sortino ratio

-1.16

Downside-only deviation

Max drawdown

-7.27%

Mar 2025 → Apr 2026

% positive months

80.6%

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
SBI Banking & PSU Fund - Regular Plan - Daily Income Distribution cum Capital Withdrawal Option (IDCW)	SBI	₹1,476.2350	3 Jun 2026
Invesco India Banking and PSU Fund - Regular Plan - Daily IDCW (Reinvestment)	Invesco	₹1,049.2553	3 Jun 2026
Bandhan Banking and PSU Fund - Regular Annual IDCW	Bandhan	₹11.1380	3 Jun 2026
Mirae Asset Banking and PSU Fund - Regular plan - IDCW	Mirae Asset	₹13.3774	3 Jun 2026
Edelweiss Banking and PSU Debt Fund - Regular Plan - IDCW Option	Edelweiss	₹17.4365	3 Jun 2026
DSP Banking & PSU Debt Fund - Regular Plan - IDCW - Daily Reinvest	DSP	₹10.1602	3 Jun 2026
HSBC Banking and PSU Debt Fund - Regular Daily IDCW	HSBC	₹11.0969	3 Jun 2026
Canara Robeco Banking and PSU Debt Fund- Regular Plan- IDCW (Payout/ Reinvestment)	Canara Robeco	₹10.7432	3 Jun 2026
UTI Banking & PSU Fund - Regular Plan - Annual IDCW	UTI	₹13.1500	3 Jun 2026
Axis Banking & PSU Debt Fund - Regular Plan - Daily IDCW	Axis	₹1,037.7295	3 Jun 2026

Recent NAVs

Date	NAV
3 Jun 2026	₹10.3693
2 Jun 2026	₹10.3747
1 Jun 2026	₹10.3692
29 May 2026	₹10.3651
27 May 2026	₹10.3584
26 May 2026	₹10.3513
25 May 2026	₹10.3491
22 May 2026	₹10.3243
21 May 2026	₹10.3142
20 May 2026	₹10.3236

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 - Regular Plan - IDCW is ₹10.3693. It's a Banking & PSU Fund from DSP, run as a Regular plan IDCW (dividend) option. NAVs update once per business day from the AMFI feed.

DSP Banking & PSU Debt Fund - Regular Plan - IDCW 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 - Regular Plan - IDCW 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 - Regular Plan - IDCW has delivered a absolute return of -1.85% — -3.21 pp behind the Banking & PSU Fund category average of 1.36%. The fund ranks #42 of 45 in its category — the bottom (Q4) quartile.

Over the trailing 3-year window, DSP Banking & PSU Debt Fund - Regular Plan - IDCW has delivered a CAGR of -0.03% — -1.97 pp behind the Banking & PSU Fund category average of 1.94%. The fund ranks #26 of 37 in its category — the third (Q3) quartile.

Over the trailing 5-year window, DSP Banking & PSU Debt Fund - Regular Plan - IDCW has delivered a CAGR of 0.07% — -1.98 pp behind the Banking & PSU Fund category average of 2.05%. The fund ranks #21 of 33 in its category — the third (Q3) quartile.

₹1 lakh invested in DSP Banking & PSU Debt Fund - Regular Plan - IDCW exactly 10 years ago would be worth approximately ₹100,341 today — a multiplier of 1.00×, based on the 10-year CAGR of 0.03%. The category average over the same window would have grown ₹1 lakh to ₹118,304.

A ₹10,000 monthly SIP in DSP Banking & PSU Debt Fund - Regular Plan - IDCW over the last 5 years — total invested ₹600,000 — would be worth ₹593,196 today. That's an XIRR (money-weighted annualised return) of -0.45%.

A ₹10,000 monthly SIP for 10 years in DSP Banking & PSU Debt Fund - Regular Plan - IDCW = ₹1,200,000 invested. It would currently be worth ₹1,176,390 (multiplier 0.98×). XIRR: -0.39%. 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 - Regular Plan - IDCW ranks #21 out of 33 funds in the Banking & PSU Fund category — that places it in the third quartile (Q3) — below the median. The category average return over the same window is 2.05%; this fund delivered 0.07%.

The worst peak-to-trough decline DSP Banking & PSU Debt Fund - Regular Plan - IDCW has experienced over the last 5-year window is 7.27% — its NAV fell from a high on 31 Mar 2025 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 - Regular Plan - IDCW averaged 0.00% (best 1.18%, worst -1.12%). 51% of rolling windows ended positive. The 5-year Sharpe ratio is -1.22 — negative risk-adjusted performance.

In calendar year 2025, DSP Banking & PSU Debt Fund - Regular Plan - IDCW returned -0.67% — lagging the Banking & PSU Fund category average of 2.43% by 3.10 pp. It ranked #37 of 37 in its category that year.

DSP Banking & PSU Debt Fund - Regular Plan - IDCW 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 - Regular Plan - IDCW 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: 7.3%. 5-year CAGR: 0.07%.

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