Should I invest in DSP Banking & PSU Debt Fund?

We don't give personal investment advice. DSP Banking & PSU Debt Fund - Regular Plan - IDCW - Monthly 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: 2.0%. 5-year CAGR: 0.40%.

DSP

DSP Banking & PSU Debt Fund - Regular Plan - IDCW - Monthly

Latest NAV

₹10.3625

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	21 / 46	Q2
1W	+0.23%	+0.20%	+0.03	23 / 46	Q2
2W	+0.47%	+0.19%	+0.28	2 / 46	Q1
1M	+0.09%	+0.10%	0.00	29 / 46	Q3
3M	-0.16%	-0.11%	-0.05	30 / 45	Q3
6M	-0.08%	+0.36%	-0.44	23 / 45	Q3
YTD	-0.21%	+0.24%	-0.45	34 / 45	Q4
1Y	-0.01%	+1.36%	-1.37	23 / 45	Q3
2Y	+0.50%	+2.42%	-1.93	24 / 43	Q3
3Y	+0.47%	+1.94%	-1.47	17 / 37	Q2
4Y	+0.59%	+2.39%	-1.80	19 / 33	Q3
5Y	+0.40%	+2.05%	-1.65	17 / 33	Q3
7Y	+0.26%	+1.88%	-1.61	22 / 31	Q3
10Y	+0.19%	+1.70%	-1.50	21 / 25	Q4
Inception	+0.28%	+2.36%	-2.08	36 / 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	-0.21%	-0.15%	-0.07	25 / 36
2025	+0.85%	+2.43%	-1.59	19 / 37
2024	+0.67%	+2.68%	-2.01	22 / 39
2023	+0.43%	+2.17%	-1.74	19 / 37
2022	+0.16%	+1.72%	-1.56	17 / 33
2021	-0.41%	-0.47%	+0.06	21 / 33
2020	+0.56%	+2.88%	-2.32	20 / 31
2019	-0.07%	+2.39%	-2.46	24 / 30
2018	+0.19%	+1.46%	-1.28	18 / 29
2017	+0.07%	+0.94%	-0.87	19 / 34
2016	-0.46%	+2.13%	-2.59	28 / 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

+0.16%

143 windows

min -1.6% · max 1.6%

66% positive

3-Year rolling

+0.10%

119 windows

min -0.5% · max 1.0%

58% positive

5-Year rolling

+0.09%

95 windows

min -0.4% · max 0.5%

72% positive

7-Year rolling

+0.09%

70 windows

min -0.2% · max 0.4%

66% 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

1.20%

3-year · annualised

Sharpe ratio

-5.03

vs risk-free 6.5%

Sortino ratio

-7.42

Downside-only deviation

Max drawdown

-1.97%

May 2025 → Apr 2026

% positive months

55.6%

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	DSP	₹10.3693	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	₹10.3625
2 Jun 2026	₹10.3679
1 Jun 2026	₹10.3624
29 May 2026	₹10.3584
27 May 2026	₹10.3516
26 May 2026	₹10.3445
25 May 2026	₹10.3423
22 May 2026	₹10.3175
21 May 2026	₹10.3074
20 May 2026	₹10.3169

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 - Monthly is ₹10.3625. 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 - Monthly 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 - Monthly 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 - Monthly has delivered a absolute return of -0.01% — -1.37 pp behind the Banking & PSU Fund category average of 1.36%. The fund ranks #23 of 45 in its category — the third (Q3) quartile.

Over the trailing 3-year window, DSP Banking & PSU Debt Fund - Regular Plan - IDCW - Monthly has delivered a CAGR of 0.47% — -1.47 pp behind the Banking & PSU Fund category average of 1.94%. The fund ranks #17 of 37 in its category — the second (Q2) quartile.

Over the trailing 5-year window, DSP Banking & PSU Debt Fund - Regular Plan - IDCW - Monthly has delivered a CAGR of 0.40% — -1.65 pp behind the Banking & PSU Fund category average of 2.05%. The fund ranks #17 of 33 in its category — the third (Q3) quartile.

₹1 lakh invested in DSP Banking & PSU Debt Fund - Regular Plan - IDCW - Monthly exactly 10 years ago would be worth approximately ₹101,956 today — a multiplier of 1.02×, based on the 10-year CAGR of 0.19%. 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 - Monthly over the last 5 years — total invested ₹600,000 — would be worth ₹606,789 today. That's an XIRR (money-weighted annualised return) of 0.44%.

A ₹10,000 monthly SIP for 10 years in DSP Banking & PSU Debt Fund - Regular Plan - IDCW - Monthly = ₹1,200,000 invested. It would currently be worth ₹1,218,129 (multiplier 1.02×). XIRR: 0.30%. 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 - Monthly ranks #17 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 0.40%.

The worst peak-to-trough decline DSP Banking & PSU Debt Fund - Regular Plan - IDCW - Monthly has experienced over the last 5-year window is 1.97% — its NAV fell from a high on 28 May 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 - Monthly averaged 0.09% (best 0.52%, worst -0.38%). 72% of rolling windows ended positive. The 5-year Sharpe ratio is -6.04 — negative risk-adjusted performance.

In calendar year 2025, DSP Banking & PSU Debt Fund - Regular Plan - IDCW - Monthly returned 0.85% — lagging the Banking & PSU Fund category average of 2.43% by 1.59 pp. It ranked #19 of 37 in its category that year.

DSP Banking & PSU Debt Fund - Regular Plan - IDCW - Monthly 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 - Monthly 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: 2.0%. 5-year CAGR: 0.40%.

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