DSP Banking & PSU Debt Fund - Direct Plan - Growth

Regular

Regular and Direct options of the funds are exactly same except commission to your mutual fund broker/distributor. As an investor you do not need to pay any additional fees to purchase any of these options. However both have different expense ratios. Regular funds have higher expense ratio and direct funds have lower expense ratio. This difference is because of commission paid to broker/distributor. Lower expense ratio leads to higher returns for investors.
Direct

Regular and Direct options of the funds are exactly same except commission to your mutual fund broker/distributor. As an investor you do not need to pay any additional fees to purchase any of these options. However both have different expense ratios. Regular funds have higher expense ratio and direct funds have lower expense ratio. This difference is because of commission paid to broker/distributor. Lower expense ratio leads to higher returns for investors.

No of Debt Holding 70 (Category Avg - 58.09) | Modified Duration 4.30 Years (Category Avg - 3.01)| Yield to Maturity 6.84% (Category Avg - 6.69%)

Portfolio Summary (as on 30th Sep,2025)

Security Type	% Weight	Category Average
GOI	18.85%	14.77%
CD	10.40%	5.35%
T-Bills	0.00%	0.03%
CP	3.42%	0.16%
NCD & Bonds	66.53%	72.21%
PTC	0.00%	0.94%

Category - Banking and PSU Fund

Security Type	% Weight	Category Average
Government Backed	18.85%	14.80%
Low Risk	80.35%	78.67%
Moderate Risk	0.00%	0.00%
High Risk	0.00%	0.00%
Very High Risk	0.00%	0.00%
Others	0.00%	0.00%

Category - Banking and PSU Fund

Debt holding in Portfolio (as on 30th Sep,2025)

Instrument	Type	Sector	Rating	Rating Agency	Value (Mn)	% of Total Holding	Quantity
Bond - Govt of India	GOI	Other			2416.34	5.64%	2.45 Cr
Bond - National Bank for Agriculture & Rural Development	NCD & Bonds	Financial institution	AAA	CRISIL	1847.36	4.31%	17.50 k
Bond - Govt of India	GOI	Other			1437.22	3.36%	1.25 Cr
Bond - Small Industries Development Bank Of India	NCD & Bonds	Financial institution	AAA	CRISIL	1362.38	3.18%	12.50 k
Bond - National Bank for Agriculture & Rural Development	NCD & Bonds	Financial institution	LAAA	ICRA	1319.56	3.08%	12.50 k
Bond - Govt of India	GOI	Other			1293.83	3.02%	1.25 Cr
Bond - Power Grid Corporation of India Ltd.	NCD & Bonds	Power - transmission	AAA	CRISIL	1084.25	2.53%	1.05 k
Bond - GAIL (India) Ltd.	NCD & Bonds	Gas transmission/marketing	INDAAA	FITCH	1072.85	2.51%	1.00 k
Bond - Power Grid Corporation of India Ltd.	NCD & Bonds	Power - transmission	AAA	CRISIL	1068.29	2.49%	10.00 k
Bond - Indian Railway Finance Corporation Ltd.	NCD & Bonds	Financial institution	AAA	CRISIL	1050.08	2.45%	10.00 k
Bond - HDFC Bank Ltd.	NCD & Bonds	Private sector bank	AAA	CRISIL	1046.64	2.44%	10.00 k
Bond - Govt of India	GOI	Other			1004.48	2.35%	1.00 Cr
Bond - Bharti Telecom Ltd.	CP	Telecom - equipment & accessories	P1+	CRISIL	996.72	2.33%	2.00 k
Bond - Axis Bank Ltd.	CD	Private sector bank	P1+	CRISIL	993.32	2.32%	2.00 k
Bond - HDFC Bank Ltd.	CD	Private sector bank	P1+	CRISIL	979.12	2.29%	2.00 k
Bond - Power Finance Corporation Ltd.	NCD & Bonds	Financial institution	AAA	CRISIL	803.07	1.88%	7.50 k
Bond - Rural Electrification Corporation Limited	NCD & Bonds	Financial institution	AAA	CRISIL	796.80	1.86%	7.50 k
Bond - Power Finance Corporation Ltd.	NCD & Bonds	Financial institution	AAA	CRISIL	796.28	1.86%	7.50 k
Bond - Small Industries Development Bank Of India	NCD & Bonds	Financial institution	AAA	CRISIL	790.18	1.85%	7.50 k
Bond - Power Finance Corporation Ltd.	NCD & Bonds	Financial institution	AAA	CRISIL	785.92	1.84%	750.00
Bond - Rural Electrification Corporation Limited	NCD & Bonds	Financial institution	AAA	CRISIL	784.39	1.83%	7.50 k
Bond - Rural Electrification Corporation Limited	NCD & Bonds	Financial institution	AAA	CRISIL	782.48	1.83%	7.50 k
Bond - Govt of India	GOI	Other			750.99	1.75%	70.00 L
Bond - National Bank for Financing Infrastructure and Development	NCD & Bonds	Non banking financial company (nbfc)	AAA	CRISIL	669.05	1.56%	6.50 k
Bond - Indian Railway Finance Corporation Ltd.	NCD & Bonds	Financial institution	AAA	CRISIL	565.05	1.32%	500.00
Bond - Power Finance Corporation Ltd.	NCD & Bonds	Financial institution	AAA	CRISIL	538.44	1.26%	500.00
Bond - Power Grid Corporation of India Ltd.	NCD & Bonds	Power - transmission	AAA	CRISIL	529.71	1.24%	5.00 k
Bond - Small Industries Development Bank Of India	NCD & Bonds	Financial institution	AAA	CRISIL	528.52	1.23%	5.00 k
Bond - Indian Railway Finance Corporation Ltd.	NCD & Bonds	Financial institution	AAA	CRISIL	527.22	1.23%	5.00 k
Bond - National Housing Bank	NCD & Bonds	Financial institution	INDAAA	FITCH	525.97	1.23%	5.00 k
Bond - National Thermal Power Corporation Ltd.	NCD & Bonds	Power generation	AAA	CRISIL	518.79	1.21%	5.00 k
Bond - State Bank Of India	NCD & Bonds	Public sector bank	LAAA	ICRA	515.95	1.20%	5.00 k
Bond - Indian Railway Finance Corporation Ltd.	NCD & Bonds	Financial institution	AAA	CRISIL	512.03	1.20%	5.00 k
Bond - Indian Railway Finance Corporation Ltd.	NCD & Bonds	Financial institution	AAA	CRISIL	511.90	1.20%	5.00 k
Bond - National Bank for Agriculture & Rural Development	NCD & Bonds	Financial institution	AAA	CRISIL	510.30	1.19%	5.00 k
Bond - Govt of India	GOI	Other			508.47	1.19%	50.00 L
Bond - Power Finance Corporation Ltd.	NCD & Bonds	Financial institution	AAA	CRISIL	506.49	1.18%	5.00 k
Bond - Rural Electrification Corporation Limited	NCD & Bonds	Financial institution	LAAA	ICRA	497.56	1.16%	5.00 k
Bond - Canara Bank	CD	Public sector bank	P1+	CRISIL	494.92	1.16%	1.00 k
Bond - Bharti Telecom Ltd.	CP	Telecom - equipment & accessories	P1+	CRISIL	467.30	1.09%	1.00 k
Bond - Indian Railway Finance Corporation Ltd.	NCD & Bonds	Financial institution	AAA	CRISIL	456.51	1.07%	450.00
Bond - Govt of India	GOI	Other			412.67	0.96%	40.00 L
Bond - Bajaj Finance Ltd.	NCD & Bonds	Non banking financial company (nbfc)	AAA	CRISIL	363.10	0.85%	3.50 k
Bond - National Bank for Financing Infrastructure and Development	NCD & Bonds	Non banking financial company (nbfc)	AAA	CRISIL	356.74	0.83%	3.50 k
Bond - State Bank Of India	NCD & Bonds	Public sector bank	AAA	CRISIL	328.51	0.77%	30.00
Bond - Small Industries Development Bank Of India	NCD & Bonds	Financial institution	AAA	CRISIL	269.13	0.63%	2.50 k
Bond - National Bank for Agriculture & Rural Development	NCD & Bonds	Financial institution	AAA	CRISIL	264.67	0.62%	2.50 k
Bond - Rural Electrification Corporation Limited	NCD & Bonds	Financial institution	AAA	CRISIL	261.70	0.61%	2.50 k
Bond - Indian Railway Finance Corporation Ltd.	NCD & Bonds	Financial institution	AAA	CRISIL	259.95	0.61%	2.50 k
Bond - Bajaj Finance Ltd.	NCD & Bonds	Non banking financial company (nbfc)	AAA	CRISIL	259.44	0.61%	2.50 k
Bond - National Thermal Power Corporation Ltd.	NCD & Bonds	Power generation	AAA	CRISIL	259.32	0.61%	2.50 k
Bond - HDFC Bank Ltd.	NCD & Bonds	Private sector bank	AAA	CRISIL	258.51	0.60%	250.00
Bond - National Bank for Financing Infrastructure and Development	NCD & Bonds	Non banking financial company (nbfc)	AAA	CRISIL	258.19	0.60%	2.50 k
Bond - Rural Electrification Corporation Limited	NCD & Bonds	Financial institution	AAA	CRISIL	257.39	0.60%	250.00
Bond - Small Industries Development Bank Of India	NCD & Bonds	Financial institution	AAA	CRISIL	256.09	0.60%	2.50 k
Bond - Power Grid Corporation of India Ltd.	NCD & Bonds	Power - transmission	AAA	CRISIL	255.74	0.60%	2.50 k
Bond - Rural Electrification Corporation Limited	NCD & Bonds	Financial institution	LAAA	ICRA	255.67	0.60%	2.50 k
Bond - Rural Electrification Corporation Limited	NCD & Bonds	Financial institution	LAAA	ICRA	254.90	0.60%	2.50 k
Bond - Small Industries Development Bank Of India	NCD & Bonds	Financial institution	AAA	CRISIL	253.79	0.59%	2.50 k
Bond - Power Finance Corporation Ltd.	NCD & Bonds	Financial institution	AAA	CRISIL	253.40	0.59%	2.50 k
Bond - Power Finance Corporation Ltd.	NCD & Bonds	Financial institution	AAA	CRISIL	253.37	0.59%	2.50 k
Bond - Indian Bank	CD	Public sector bank	P1+	CRISIL	248.57	0.58%	500.00
Bond - Indian Bank	CD	Public sector bank	P1+	CRISIL	247.49	0.58%	500.00
Bond - Union Bank Of India	CD	Public sector bank	A1+	ICRA	247.27	0.58%	500.00
Bond - Axis Bank Ltd.	CD	Private sector bank	P1+	CRISIL	247.05	0.58%	500.00
Bond - Union Bank Of India	CD	Public sector bank	A1+	ICRA	246.99	0.58%	500.00
Bond - HDFC Bank Ltd.	CD	Private sector bank	P1+	CRISIL	246.98	0.58%	500.00
Bond - Punjab National Bank	CD	Public sector bank	P1+	CRISIL	246.94	0.58%	500.00
Bond - Govt of India	GOI	Other			249.14	0.58%	25.00 L
Bond - Kotak Mahindra Bank Ltd.	CD	Private sector bank	P1+	CRISIL	245.93	0.57%	500.00

Name	Type of Instrument	Weight (%)
TREPS	TREPS	0.48%
Net Receivables	Net Receivables	0.32%

Forum

NITINPIMPALE
MF Investment Help
Follow

17 days ago

purchase unit will adjust difference in NAV 10.263 View more

Posted by : NITINPIMPALE
- Like
- Reply
  
  reply Cancel
- Share
  
  276
- Repost
  
  Repost this message
  
  purchase unit will adjust difference in NAV 10.263
  
  Repost Cancel
You will now receive notification when someone reply to this message.
krishna_ksvs
MF Investment Help
Follow

29 days ago

View more

Posted by : krishna_ksvs
- Like
- Reply
  
  reply Cancel
- Share
  
  276
- Repost
  
  Repost this message
  
  Repost Cancel
You will now receive notification when someone reply to this message.
The Fixed Income
Bonds
Follow

3 hrs ago

Earn Stable Returns with the Trust of a Government-Backed Security! 8.48% JAMMU AND KASHMIR SDL UDAY 2029 ✔️ Coupon: 8.48% ✔️ Tenor: 3y 5m (Maturity: 30/Mar/2029) ✔️ Interest Payout: (Semi-Annual) Government Security | Safe Investment | Predictable Returns Protect your capital while earning consistent returns — secured by the Government of Jammu & Kashmir. ???? Explore on The Fixed Income: https://www.thefixedincome.com/product/dVJhblpnPT0=/848-jammu-and-kashmir-sdl-uday-2029?utm_source=Moneycontrol&utm_medium=Forum&utm_campaign=Product_list View more

Posted by : The Fixed Income
- Like
- Reply
  
  reply Cancel
- Share
  
  276
- Repost
  
  Repost this message
  
  Earn Stable Returns with the Trust of a Government-Backed Security! 8.48% JAMMU AND KASHMIR SDL UDAY 2029 ✔️ Coupon: 8.48% ✔️ Tenor: 3y 5m (Maturity: 30/Mar/2029) ✔️ Interest Payout: (Semi-Annual) Government Security | Safe Investment | Predictable Returns Protect your capital while earning consistent returns — secured by the Government of Jammu & Kashmir. ???? Explore on The Fixed Income: https://www.thefixedincome.com/product/dVJhblpnPT0=/848-jammu-and-kashmir-sdl-uday-2029?utm_source=Moneycontrol&utm_medium=Forum&utm_campaign=Product_list
  
  Repost Cancel
You will now receive notification when someone reply to this message.
shravanashok
MF Investment Help
Follow

80 days ago

need your suggestion for sbi psu fund direct growth stay or switch View more

Posted by : shravanashok
- Like
- Reply
  
  reply Cancel
- Share
  
  276
- Repost
  
  Repost this message
  
  need your suggestion for sbi psu fund direct growth stay or switch
  
  Repost Cancel
You will now receive notification when someone reply to this message.
ravisistla
MF Investment Help
Follow

93 days ago

Dividend last declared by SBI Long Term Equity Fund - regular Plan -IDCW was in the year 2022. Is there any specific reason given by fund managers for non declaration of dividend. Please let me know. View more

Posted by : ravisistla
- Like
- Reply
  
  reply Cancel
- Share
  
  276
- Repost
  
  Repost this message
  
  Dividend last declared by SBI Long Term Equity Fund - regular Plan -IDCW was in the year 2022. Is there any specific reason given by fund managers for non declaration of dividend. Please let me know.
  
  Repost Cancel
You will now receive notification when someone reply to this message.
sunny85deol
MF Investment Help
Follow

130 days ago

Hello sir, I have been invested in these funds since 2017. Last SIP was in 2021. As their NAV have grown so I was thinking of switching to other funds with lower NAV. View more

Posted by : sunny85deol
- Like
- Reply
  
  reply Cancel
- Share
  
  276
- Repost
  
  Repost this message
  
  Hello sir, I have been invested in these funds since 2017. Last SIP was in 2021. As their NAV have grown so I was thinking of switching to other funds with lower NAV.
  
  Repost Cancel
You will now receive notification when someone reply to this message.

+ See More

Advisory Alert: It has come to our attention that certain individuals are representing themselves as affiliates of Moneycontrol and soliciting funds on the false promise of assured returns on their investments. We wish to reiterate that Moneycontrol does not solicit funds from investors and neither does it promise any assured returns. In case you are approached by anyone making such claims, please write to us at grievanceofficer@nw18.com or call on 02268882347