Should I invest in DSP Banking & PSU Debt Fund?

We don't give personal investment advice. DSP Banking & PSU Debt Fund - Regular Plan - IDCW - Weekly 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: 1.6%. 5-year CAGR: -0.03%.

DSP

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

Latest NAV

₹10.1547

As of

17 Jul 2026

3,106 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	-0.03%	+0.02%	-0.04	42 / 46	Q4
1W	-0.16%	-0.01%	-0.15	43 / 46	Q4
2W	-0.29%	-0.11%	-0.18	39 / 46	Q4
1M	-0.60%	+0.03%	-0.62	38 / 46	Q4
3M	-0.30%	+0.55%	-0.84	38 / 45	Q4
6M	+0.13%	+1.10%	-0.97	28 / 45	Q3
YTD	-0.29%	+0.74%	-1.03	39 / 45	Q4
1Y	-0.29%	+1.85%	-2.14	38 / 45	Q4
2Y	-0.12%	+2.54%	-2.66	36 / 43	Q4
3Y	-0.06%	+2.10%	-2.16	26 / 37	Q3
4Y	-0.02%	+2.35%	-2.36	27 / 34	Q4
5Y	-0.03%	+2.15%	-2.19	24 / 33	Q3
7Y	-0.01%	+1.81%	-1.83	28 / 31	Q4
10Y	-0.02%	+1.82%	-1.84	26 / 26	Q4
Inception	+0.11%	+2.40%	-2.28	41 / 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	-0.29%	+0.48%	-0.77	30 / 36
2025	+0.22%	+2.43%	-2.21	22 / 37
2024	+0.03%	+2.68%	-2.65	27 / 39
2023	+0.08%	+2.17%	-2.09	23 / 37
2022	+0.07%	+1.72%	-1.65	19 / 33
2021	-0.03%	-0.47%	+0.44	10 / 33
2020	-0.02%	+2.88%	-2.90	26 / 31
2019	+0.04%	+2.39%	-2.35	20 / 30
2018	+0.20%	+1.46%	-1.26	16 / 29
2017	+0.10%	+0.94%	-0.84	18 / 34
2016	-0.38%	+2.13%	-2.52	27 / 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

+0.02%

145 windows

min -2.5% · max 1.4%

63% positive

3-Year rolling

+0.00%

120 windows

min -0.6% · max 0.4%

51% positive

5-Year rolling

+0.01%

96 windows

min -0.4% · max 0.6%

47% positive

7-Year rolling

+0.00%

72 windows

min -0.2% · max 0.2%

43% 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

1.14%

3-year · annualised

Sharpe ratio

-5.71

vs risk-free 6.5%

Sortino ratio

-8.56

Downside-only deviation

Max drawdown

-1.61%

Apr 2025 → Apr 2026

% positive months

44.4%

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	₹1,501.8744	17 Jul 2026
Invesco India Banking and PSU Fund - Regular Plan - Daily IDCW (Reinvestment)	Invesco	₹1,049.8531	17 Jul 2026
Bandhan Banking and PSU Fund - Regular Annual IDCW	Bandhan	₹11.3500	17 Jul 2026
Mirae Asset Banking and PSU Fund - Regular plan - IDCW	Mirae Asset	₹13.5966	17 Jul 2026
Edelweiss Banking and PSU Debt Fund - Regular Plan - IDCW Option	Edelweiss	₹17.6764	17 Jul 2026
DSP Banking & PSU Debt Fund - Regular Plan - IDCW	DSP	₹10.5865	17 Jul 2026
HSBC Banking and PSU Debt Fund - Regular Daily IDCW	HSBC	₹11.0910	17 Jul 2026
Canara Robeco Banking and PSU Debt Fund- Regular Plan- IDCW (Payout/ Reinvestment)	Canara Robeco	₹10.6618	17 Jul 2026
UTI Banking & PSU Fund - Regular Plan - Annual IDCW	UTI	₹13.3115	17 Jul 2026
Axis Banking & PSU Debt Fund - Regular Plan - Daily IDCW	Axis	₹1,037.3339	17 Jul 2026

Recent NAVs

Date	NAV
17 Jul 2026	₹10.1547
16 Jul 2026	₹10.1575
15 Jul 2026	₹10.1484
14 Jul 2026	₹10.1436
13 Jul 2026	₹10.1735
10 Jul 2026	₹10.1711
9 Jul 2026	₹10.1590
8 Jul 2026	₹10.1528
7 Jul 2026	₹10.1824
6 Jul 2026	₹10.1884

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 17 Jul 2026, the NAV of DSP Banking & PSU Debt Fund - Regular Plan - IDCW - Weekly is ₹10.1547. 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 - Weekly has NAV history starting from 16 Sep 2013, a track record of about 12 years 10 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 - Weekly 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 - Weekly has delivered a absolute return of -0.29% — -2.14 pp behind the Banking & PSU Fund category average of 1.85%. The fund ranks #38 of 45 in its category — the bottom (Q4) quartile.

Over the trailing 3-year window, DSP Banking & PSU Debt Fund - Regular Plan - IDCW - Weekly has delivered a CAGR of -0.06% — -2.16 pp behind the Banking & PSU Fund category average of 2.10%. 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 - Weekly has delivered a CAGR of -0.03% — -2.19 pp behind the Banking & PSU Fund category average of 2.15%. The fund ranks #24 of 33 in its category — the third (Q3) quartile.

₹1 lakh invested in DSP Banking & PSU Debt Fund - Regular Plan - IDCW - Weekly exactly 10 years ago would be worth approximately ₹99,811 today — a multiplier of 1.00×, based on the 10-year CAGR of -0.02%. The category average over the same window would have grown ₹1 lakh to ₹119,772.

A ₹10,000 monthly SIP in DSP Banking & PSU Debt Fund - Regular Plan - IDCW - Weekly over the last 5 years — total invested ₹600,000 — would be worth ₹599,558 today. That's an XIRR (money-weighted annualised return) of -0.03%.

A ₹10,000 monthly SIP for 10 years in DSP Banking & PSU Debt Fund - Regular Plan - IDCW - Weekly = ₹1,200,000 invested. It would currently be worth ₹1,199,787 (multiplier 1.00×). XIRR: -0.00%. 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 - Weekly ranks #24 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 2.15%; this fund delivered -0.03%.

The worst peak-to-trough decline DSP Banking & PSU Debt Fund - Regular Plan - IDCW - Weekly has experienced over the last 5-year window is 1.61% — its NAV fell from a high on 02 Apr 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 - Weekly averaged 0.01% (best 0.60%, worst -0.45%). 47% of rolling windows ended positive. The 5-year Sharpe ratio is -6.57 — negative risk-adjusted performance.

In calendar year 2025, DSP Banking & PSU Debt Fund - Regular Plan - IDCW - Weekly returned 0.22% — lagging the Banking & PSU Fund category average of 2.43% by 2.21 pp. It ranked #22 of 37 in its category that year.

DSP Banking & PSU Debt Fund - Regular Plan - IDCW - Weekly 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 - Weekly 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: 1.6%. 5-year CAGR: -0.03%.

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