Sharpe ratio
0.74Return earned for the risk taken.
Moderate
Moderate risk-adjusted returns. The reward for risk has been average.
+3.42%1Y Absolute Return
-0.04%1D
Loading NAV history…
Past performance is not an indicator of future returns.
Returns calculator comparison
Compare an illustrative investment outcome across return assumptions.
| Asset | Projected corpus | Total invested | Gain | Annual return |
|---|---|---|---|---|
| DSP Banking & PSU Debt Fund - Direct Plan - GrowthFund 5Y annualised return | ₹8,45,845 | ₹7,32,612 | ₹1,13,233 | +5.97% |
| EPFIllustrative annual assumption | ₹8,95,132 | ₹7,32,612 | ₹1,62,520 | +8.25% |
| Residential propertyIllustrative annual assumption | ₹8,67,662 | ₹7,32,612 | ₹1,35,050 | +7.00% |
| PPFIllustrative annual assumption | ₹8,69,819 | ₹7,32,612 | ₹1,37,207 | +7.10% |
| Bank fixed depositIllustrative annual assumption | ₹8,56,981 | ₹7,32,612 | ₹1,24,369 | +6.50% |
| GoldIllustrative annual assumption | ₹8,67,662 | ₹7,32,612 | ₹1,35,050 | +7.00% |
| Savings accountIllustrative annual assumption | ₹7,86,827 | ₹7,32,612 | ₹54,215 | +3.00% |
Illustration only. Fund results use the available NAV-derived annualised return and can be negative. Reference rows are assumptions, not current quoted rates or guaranteed returns; property excludes transaction costs, taxes, and liquidity constraints. Mutual fund investments are subject to market risk.
Wealth multiple
₹1 became₹1.08
₹1 Lakh since launch₹1.08 Lakh
Fund age13.2 yrs
Fund information
Scheme code124175
ISININF740K01ZW2
BenchmarkNifty Banking & PSU Debt Index A-II
CategoryDebt Scheme - Banking and PSU Fund
Expense ratio0.33%
Exit loadNil
Minimum SIP₹100 SIP
Return comparison
61st / 143 in category| Period | Fund | Benchmark | Category avg |
|---|---|---|---|
| 1M | +7.12% | — | — |
| 3M | -1.52% | — | — |
| 6M | +5.42% | — | — |
| 1Y | +3.42% | — | +1.68% |
| 3Y | +6.72% | — | +3.16% |
| 5Y | +5.97% | — | +2.94% |
| 10Y | +6.75% | — | — |
| Since Launch | +7.63% | — | — |
Risk-adjusted performance
Every measure is expanded with a plain-language reading of the latest calculated value.
Sortino ratio
1.36Return earned while limiting downside risk.
Good
Good downside protection with strong returns.
Standard deviation
1.71%How much the fund’s returns fluctuate over time.
Low volatility
Returns have been relatively stable.
Beta
—How closely the fund moves with the market.
Unavailable
This measure needs sufficient fund and benchmark history to calculate.
Alpha
—Extra return generated above the benchmark.
Unavailable
This measure needs sufficient fund and benchmark history to calculate.
Treynor ratio
—Return earned for each unit of market risk taken.
Unavailable
This measure needs sufficient fund and benchmark history to calculate.
Calmar ratio
2.50How well the fund rewarded investors relative to its biggest decline.
Excellent
Excellent balance between returns and drawdowns.
Information ratio
—How consistently the fund outperformed its benchmark.
Unavailable
This measure needs sufficient fund and benchmark history to calculate.
Portfolio allocation
Latest disclosed portfolio mix
Asset allocation
Portfolio100%
Debt96.68%
Cash3.32%
Market cap allocation
Market-cap classifications were not present in the latest portfolio disclosure.
Sector allocation
Equity exposure by sector
Top holdings
10 of 56 disclosed positions
| Holding | Sector | Instrument type | Weight |
|---|---|---|---|
| NATIONAL BANK FOR AGRICULTURE AND RURAL DEVELOPMENT SR F24 7.68 BD 30AP29 FVRS1LAC | Financial | Debenture | 5.43% |
| Reverse Repo | Unspecified | Reverse Repo | 4.74% |
| GOVERNMENT OF INDIA 36320 GOI 18AG55 7.24 FV RS 100 | Entities | GOI Securities | 4.62% |
| GOVERNMENT OF INDIA 35840 GOI 15AP65 6.9 FV RS 100 | Entities | GOI Securities | 3.57% |
| BHARTI TELECOM LIMITED SR XXV 7.35 NCD 15OT27 FVRS1LAC | Technology | Debenture | 3.16% |
| GAIL (INDIA) LIMITED SR I 7.34 LOA 20DC27 FVRS10LAC | Energy & Utilities | Debenture | 3.15% |
| BHARTI TELECOM LIMITED SR XXVI 7.45 NCD 15DC28 FVRS1LAC | Technology | Debenture | 3.12% |
| STATE DEVELOPMENT LOAN 35765 HAR 26MR39 7.08 FV RS 100 | Unspecified | State Development Loan | 3.11% |
| HDFC BANK LIMITED SR US003 7.70 NCD 16MY28 FVRS1LAC | Financial | Debenture | 3.08% |
| SMALL INDUSTRIES DEVELOPMENT BANK OF INDIA SR II RR BD 04JU29 FVRS1LAC | Financial | Bonds | 3.07% |
Fund management
SH
Shantanu Godambe
Since 2023 · Prior to joining DSP Mutual Fund, he has worked with Yes Bank, Prebon Yamane and ICAP India Private Limited
Mr. Godambehas done B.Com, MS (Finance) and CFA
SA
Sandeep Yadav
Since 2024 · Prior to joining DSP, he has worked with Cognizant Technologies, Hughes Services and Mahindra British Telecom.
Mr. Yadav is a Computer Engineer (Pune University), PGDBM (IIM Bangalore) and a CFA chartered holder.
Compare similar funds
No comparable category funds are available yet.
Summary
A moderate-risk debt scheme - banking and psu fund. Recovered from its worst fall in 0 months. Financial makes up 64% — trouble in that sector hits the whole fund.
Strengths
- Recovered from its worst fall in 0 months.
Weaknesses
- None
Ideal investor
- Needs a 1–3 years depending on duration horizon to ride out its moderate risk level.
Risk drivers
- Financial makes up 64% — trouble in that sector hits the whole fund.