DSP Banking & Financial Services 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.

Category : Sectoral/Thematic

Fund House : DSP Mutual Fund

NAV

This number shows latest NAV (Net Asset Value) and change in the NAV from previous day. NAV is nothing but the unit price for the fund. You will be allocated number of units based on this price. NAV is declared once each day generally at the end of the day. Once you invest in mutual funds, your money is further invested in stocks and bonds by mutual fund managers. Mutual Fund NAV is the per unit latest value of all such stocks/bonds held in the portfolio

: ₹ 14.179 -0.57%
(as on 31st October, 2025)

Crisil Rating

Not Rated

Rank not available for the fund

Fund Size

: ₹ 1419.62 Cr

(0.28% of Investment in Category)

Expense Ratio

: 0.67%

(0.89% Category average)

Risk-O-Meter

Very High Risk

Sectoral/Thematic :Sectoral/Thematic : The fund has 90.13% investment in domestic equities of which 36.42% is in Large Cap stocks, 16.53% is in Mid Cap stocks, 3.83% in Small Cap stocks.

Suitable For : Investors who have advanced knowledge of macro trends and prefer to take selective bets for higher returns compared to other Equity funds. At the same time, these investors should also be ready for possibility of moderate to high losses in their investments even though overall market is performing better.

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6M
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This Scheme

VS

Benchmark
Nifty Financial Services TRI

4.31%

2.07%

4.85%

14.75%

20.04%

19.46%

20.28%
NA
3.76%

3.7%

10.71%

5.47%

22.75%

23.98%

14.42%

NA
Gold

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VIP (Value Avg)

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Returns (NAV as on 31st October, 2025)

Period Invested for	₹10000 Invested on	Latest Value	Absolute Returns	Annualised Returns	Category Avg	Rank within Category
1 Week	24-Oct-25	9940.40	-0.60%	-	0.29%	191/223
1 Month	30-Sep-25	10452.60	4.53%	-	3.76%	57/227
3 Month	31-Jul-25	10571.90	5.72%	-	3.70%	40/224
6 Month	30-Apr-25	11057.50	10.57%	-	10.71%	80/213
YTD	01-Jan-25	11873.20	18.73%	-	5.38%	7/201
1 Year	31-Oct-24	11801.10	18.01%	18.01%	5.47%	8/185
Since Inception	08-Dec-23	14179.00	41.79%	20.19%	14.42%	44/198

Returns Calculator Detailed Returns Analysis

SIP Returns (NAV as on 31st October, 2025)

Period Invested for	₹1000 SIP Started on	Investments	Latest Value	Absolute Returns	Annualised Returns
1 Year	31-Oct-24	12000	13474.79	12.29 %	23.42 %

SIP Calculator Detailed Returns Analysis

Tax Treatment

If sold after 1 year from purchase date, long term capital gain tax will be applicable. Current tax rate is 12.5%, if your total long term capital gain exceeds 1.25 lakh. Any cess/surcharge is not included. If sold before 1 year from purchase date, short term capital gain tax will be applicable. Current tax rate is 20%. Any cess/surcharge is not included in the 20%.

Portfolio (Updated on 30th Sep,2025)

Portfolio Turnover Ratio : 68.00% | Category average turnover ratio is 203.09%

Fund manager updated portfolio less frequently than peers in last 1 year. (I.e. fund manager held stocks/bonds in the portfolio for longer duration than peers)

Equity Holding : 90.13% | F&O Holdings : 0.00%| Foreign Equity Holdings : 0.00%| Total : 90.13%

No of Stocks : 26 (Category Avg - 44.42) | Large Cap Investments : 36.42%| Mid Cap Investments : 16.53% | Small Cap Investments : 3.83% | Other : 33.35%

Top 10 Stocks in Portfolio

How to read this table?

Stock Invested in	Sector	Value(Mn)	% of Total Holdings	1M Change	1Y Highest Holding	1Y Lowest Holding	Quantity	1M Change in Qty
ICICI Bank Ltd.	Private sector bank	1989.7	14.02%	-1.48%	16.84% (Jan 2025)	13.42% (May 2025)	14.76 L	0.00
Bajaj Finserv Ltd	Holding company	1318.2	9.29%	-0.15%	10.12% (Feb 2025)	6.89% (Nov 2024)	6.57 L	0.00
State Bank Of India	Public sector bank	981.5	6.91%	0.13%	7.81% (Oct 2024)	6.43% (Feb 2025)	11.25 L	0.00
Axis Bank Ltd.	Private sector bank	927.5	6.53%	0.10%	7.26% (Jun 2025)	2.08% (Dec 2024)	8.20 L	0.00
Cholamandalam Investment & Finance Co. Ltd.	Non banking financial company (nbfc)	823.7	5.80%	0.34%	6.83% (Feb 2025)	5.36% (Nov 2024)	5.11 L	0.00
Bajaj Finance Ltd.	Non banking financial company (nbfc)	809.1	5.70%	0.36%	6.06% (Feb 2025)	4.33% (Oct 2024)	8.10 L	0.00
SBI Life Insurance Co Ltd.	Life insurance	687.4	4.84%	-0.37%	5.6% (Apr 2025)	1.6% (Dec 2024)	3.84 L	0.00
Multi Commodity Exchange Of India Ltd.	Exchange and data platform	517.7	3.65%	-0.04%	4.39% (Jun 2025)	0% (Oct 2024)	66.40 k	0.00
Mahindra & Mahindra Financial Services Ltd.	Non banking financial company (nbfc)	495.5	3.49%	0.06%	3.59% (Jun 2025)	0% (Oct 2024)	18.00 L	0.00
Kotak Mahindra Bank Ltd.	Private sector bank	466.1	3.28%	1.29%	3.28% (Sep 2025)	0% (Oct 2024)	2.34 L	98.98 k

- indicates change in weight in the portfolio. # indicates a new entry.

Detailed Portfolio Analysis

Name	Type of Instrument	Weight (%)
TREPS	TREPS	11.16%
Margin	Margin	0.07%
Net Receivables	Net Receivables	-1.36%

Detailed Portfolio Analysis

Risk Ratios

Ratios calculated on daily returns for last 3 years (Updated as on 01st January, 1970)

No data available. Ratios are only available for the funds which are 3 years old.

Alternative Funds (Category Peers)

Scheme Name	Crisil Rank	Asset Size (Cr)	1M	3M	6M	1Y	3Y
Nippon India Taiwan Equity Fund - Direct Plan - Growth	NA	406.67	6.75	28.46	81.33	52.65	45.12
Aditya Birla Sun Life International Equity Fund - Direct Plan - Growth	NA	266.19	2.20	8.47	24.84	34.13	18.47
Franklin Asian Equity Fund - Direct - Growth	NA	279.13	5.44	12.24	27.96	23.79	19.60
Nippon India Japan Equity Fund - Direct Plan - Growth	NA	289.73	1.18	8.13	16.63	23.21	20.44
HDFC Transportation and Logistics Fund - Direct Plan - Growth	NA	1651.55	2.33	11.62	29.46	22.30	0.00
HDFC Defence Fund - Direct Plan - Growth	NA	7024.28	5.33	8.41	19.52	20.08	0.00
Quant BFSI Fund - Direct Plan - Growth	NA	655.17	3.19	4.34	19.33	18.13	0.00
Nippon India US Equity Opportunities Fund - Direct Plan - Growth	NA	724.35	1.22	4.79	17.54	17.46	21.62
ITI Banking and Financial Services Fund - Direct Plan - Growth	NA	311.03	6.41	5.81	8.72	17.28	15.74
Motilal Oswal Business Cycle Fund - Direct Plan - Growth	NA	1984.52	7.17	4.73	14.54	16.64	0.00

Detailed Comparison

More Funds from DSP Mutual Fund

Out of 63 mutual fund schemes offered by this AMC, 6 is/are ranked 5 * , 8 is/are ranked 4 * , 11 is/are ranked 3 * , and 38 schemes are not ranked. See more about AMC

Scheme Name	Crisil Rank	Asset Size (Cr)	1M	3M	6M	1Y	3Y
DSP Midcap Fund - Direct Plan - Growth	3	19162.03	2.44	1.57	11.79	4.17	20.06
DSP ELSS Tax Saver Fund - Direct Plan - Growth	5	16749.39	3.25	2.32	5.48	4.27	20.33
DSP Small Cap Fund - Direct Plan - Growth	3	16496.31	2.06	-1.65	16.11	0.36	21.29
DSP Liquidity Fund - Direct Plan - Growth	3	16473.54	0.49	1.45	3.06	6.80	7.09
DSP Large & Mid Cap Fund - Direct Plan - Growth	4	15857.08	3.22	2.89	6.08	4.30	20.94
DSP Flexi Cap Fund - Direct Plan - Growth	3	11911.24	2.51	2.83	7.03	2.83	18.46
DSP Aggressive Hybrid Fund - Direct Plan - Growth	4	11564.68	2.26	1.25	3.41	5.82	17.09
DSP Savings Fund - Direct Plan - Growth	4	6858.15	0.52	1.49	3.38	7.43	7.50
DSP Large Cap Fund - Direct Plan - Growth	5	6620.66	2.82	2.38	4.11	5.58	18.03
DSP Arbitrage fund - Direct Plan - Growth	3	5986.19	0.55	1.40	2.98	6.98	7.63