DSP Banking & Financial Services Fund - Regular 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

: ₹ 13.93 -0.32%
(as on 28th 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

: 2.11%

(2.12% 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.

1M
3M
6M
1Y
2Y
5Y
ALL

This Scheme

VS

Benchmark
Nifty Financial Services TRI

5.67%

3.39%

5.34%

16.21%

20.94%

19.41%

15.61%
NA
3.89%

4.1%

9.73%

4.79%

21.26%

22.51%

12.89%

NA
Gold

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Returns Calculator
SIP Calculator
VIP (Value Avg)

Amount

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Profit/Loss

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Annualised Returns

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Returns (NAV as on 28th October, 2025)

Period Invested for	₹10000 Invested on	Latest Value	Absolute Returns	Annualised Returns	Category Avg	Rank within Category
1 Week	20-Oct-25	10063.60	0.64%	-	0.34%	61/238
1 Month	26-Sep-25	10592.40	5.92%	-	3.89%	29/239
3 Month	28-Jul-25	10619.00	6.19%	-	4.10%	37/235
6 Month	28-Apr-25	10951.30	9.51%	-	9.73%	90/225
YTD	01-Jan-25	11855.30	18.55%	-	4.55%	7/213
1 Year	28-Oct-24	11873.50	18.73%	18.74%	4.79%	7/196
Since Inception	08-Dec-23	13930.00	39.30%	19.16%	12.89%	48/217

Returns Calculator Detailed Returns Analysis

SIP Returns (NAV as on 28th October, 2025)

Period Invested for	₹1000 SIP Started on	Investments	Latest Value	Absolute Returns	Annualised Returns
1 Year	28-Oct-24	12000	13539.99	12.83 %	24.56 %

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 - Regular Plan - Growth	NA	406.67	7.98	27.93	79.02	47.58	42.99
Aditya Birla Sun Life International Equity Fund - Regular Plan - Growth	NA	266.19	3.45	9.31	25.99	30.52	18.66
Nippon India Japan Equity Fund - Growth	NA	289.73	1.38	8.35	16.60	22.82	18.98
HDFC Transportation and Logistics Fund - Regular Plan - Growth	NA	1651.55	1.63	13.14	29.49	21.44	0.00
Franklin Asian Equity Fund - Growth	NA	279.13	5.27	11.34	27.84	20.86	18.91
Quant BFSI Fund - Regular Plan - Growth	NA	655.17	6.01	6.57	19.56	19.95	0.00
SBI Banking & Financial Services Fund - Regular Plan - Growth	NA	8693.07	5.93	5.98	10.36	17.57	19.53
Motilal Oswal Business Cycle Fund - Regular Plan - Growth	NA	1984.52	6.78	6.32	14.03	17.12	0.00
ITI Banking and Financial Services Fund - Regular Plan - Growth	NA	311.03	7.71	6.02	7.39	16.37	14.24
Nippon India US Equity Opportunities Fund - Growth	NA	724.35	2.59	5.16	19.15	15.89	20.30

Detailed Comparison

More Funds from DSP Mutual Fund

Out of 95 mutual fund schemes offered by this AMC, 9 is/are ranked 5 * , 5 is/are ranked 4 * , 15 is/are ranked 3 * , and 66 schemes are not ranked. See more about AMC

Scheme Name	Crisil Rank	Asset Size (Cr)	1M	3M	6M	1Y	3Y
DSP Midcap Fund - Regular Plan - Growth	3	19162.03	3.92	2.64	12.83	5.90	19.36
DSP ELSS Tax Saver Fund - Regular Plan - Growth	5	16749.39	4.36	2.42	6.25	5.09	19.71
DSP Small Cap Fund - Regular Plan - Growth	3	16496.31	1.32	-2.18	13.61	3.49	19.98
DSP Liquidity Fund - Regular Plan - Growth	3	16473.54	0.49	1.42	2.99	6.72	6.99
DSP Large & Mid Cap Fund - Regular Plan - Growth	4	15857.08	4.49	2.87	6.61	4.90	20.07
DSP Flexi Cap Fund - Regular Plan - Growth	3	11911.24	4.06	3.13	7.21	3.86	18.04
DSP Aggressive Hybrid Fund - Regular Plan - Growth	4	11564.68	3.35	1.58	4.08	6.65	16.56
DSP Savings Fund - Regular Plan - Growth	3	6858.15	0.52	1.45	3.27	7.19	7.25
DSP Large Cap Fund - Regular Plan - Growth	5	6620.66	4.23	2.59	5.22	6.62	17.81
DSP Arbitrage fund - Growth	3	5986.19	0.44	1.25	2.61	6.22	6.95

All funds

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NITINPIMPALE
MF Investment Help
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20 days ago

purchase unit will adjust difference in NAV 10.263 View more

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  purchase unit will adjust difference in NAV 10.263
  
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krishna_ksvs
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32 days ago

View more

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The Fixed Income
Bonds
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7 hrs ago

Secure Your Capital and Earn Steady Returns with a Trusted Bond Investment 9.35% NIDO HOME FINANCE LIMITED 2028 ✔️ Coupon: 9.35% ✔️ Rating: CRISIL A+ Stable ✔️ Tenor: 2y 10m (Maturity: 10/Sep/2028) Senior Secured Bond | NBFC Bond | High Return Bond | Listed Invest in stability and growth with Nido Home Finance, a well-rated NBFC offering secure, high-yield returns. ???? Explore on The Fixed Income: https://www.thefixedincome.com/product/dVJldVlnPT0=/935-nido-home-finance-limited-2028?utm_source=Moneycontrol&utm_medium=Forum&utm_campaign=Product_list View more

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  Secure Your Capital and Earn Steady Returns with a Trusted Bond Investment 9.35% NIDO HOME FINANCE LIMITED 2028 ✔️ Coupon: 9.35% ✔️ Rating: CRISIL A+ Stable ✔️ Tenor: 2y 10m (Maturity: 10/Sep/2028) Senior Secured Bond | NBFC Bond | High Return Bond | Listed Invest in stability and growth with Nido Home Finance, a well-rated NBFC offering secure, high-yield returns. ???? Explore on The Fixed Income: https://www.thefixedincome.com/product/dVJldVlnPT0=/935-nido-home-finance-limited-2028?utm_source=Moneycontrol&utm_medium=Forum&utm_campaign=Product_list
  
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shravanashok
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82 days ago

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

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  need your suggestion for sbi psu fund direct growth stay or switch
  
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ravisistla
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95 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
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  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.
  
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sunny85deol
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132 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
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  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.
  
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