DSP Banking and PSU Debt Fund Direct-Growth
Debt: Banking and PSU Debt - Growth (Open ended) Factsheet
SEBI Riskometer: ModerateCategory: Debt: Banking and PSU DebtBenchmark: Nifty Banking & PSU Debt Index A-IICheck Portfolio Overlap →
NAV: ₹26.37+0.04%
07 Sept 2026
Holdings Analysis
Equity, debt and cash allocation snapshot with market cap distribution for DSP Banking and PSU Debt Fund Direct-Growth.
Historical Asset Allocation
| Asset | 31 Aug 2026 | 31 Jul 2026 | 30 Jun 2026 | 31 May 2026 | 30 Apr 2026 | 31 Mar 2026 |
|---|---|---|---|---|---|---|
| Equity | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
| Debt | 99.77% | 98.44% | 96.68% | 98.34% | 97.48% | 98.98% |
| Others (incl. cash) | 0.23% | 1.56% | 3.32% | 1.66% | 2.52% | 1.02% |
| Commodities | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
| Real Estate | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
Portfolio Snapshot
No. of Securities
56
Top Holding %
6.24%
Top 5 Holdings %
22.50%
Top 10 Holdings %
38.11%
Modified Duration
4.20 yrs
Avg. Maturity
6.77 yrs
Yield to Maturity
7.35%
AUM
₹3,270 Cr
Expense Ratio
0.34%
Since Inception
7.75%
Max Drawdown
-0.03%
Sharpe Ratio
0.51
Top Portfolio Holdings by Weight
Latest portfolio holdings sorted by allocation weight. Includes instrument name, sector, number of shares, market value (₹ Cr) and percentage of net assets. Switch dates or categories using the controls below.
| Instrument | Sector | No. of Shares | Value (Rs. Cr) | Weight | Change |
|---|---|---|---|---|---|
| GOI | Sovereign | 2,00,00,000 | 204.07 | 6.24% | - |
| Punjab National Bank | Financial | 4,000 | 193.14 | 5.91% | - |
| HDFC Bank Ltd. | Financial | 12,500 | 128.01 | 3.91% | 0.83%↑ |
| Bharti Telecom Ltd. | Communication | 10,000 | 105.6 | 3.23% | 0.05%↑ |
| GAIL (India) Ltd. | Energy | 1,000 | 105.05 | 3.21% | 0.05%↑ |
| Bharti Telecom Ltd. | Communication | 10,000 | 103.65 | 3.17% | 0.05%↑ |
| Haryana State | Others | 1,05,00,000 | 102.97 | 3.15% | 0.03%↑ |
| Export-Import Bank Of India | Financial | 10,000 | 102.38 | 3.13% | 0.01%↑ |
| Small Industries Devp. Bank of India Ltd. | Financial | 10,000 | 101.38 | 3.10% | 0.03%↑ |
| Small Industries Devp. Bank of India Ltd. | Financial | 10,000 | 100.19 | 3.06% | 0.01%↑ |
| Bank Of Baroda | Financial | 2,000 | 97.05 | 2.97% | 0.06%↑ |
| HDFC Bank Ltd. | Financial | 750 | 80.54 | 2.46% | 0.02%↑ |
| National Housing Bank | Financial | 7,500 | 77.08 | 2.36% | 0.02%↑ |
| Power Finance Corporation Ltd. | Financial | 750 | 76.04 | 2.33% | 0.01%↑ |
| Power Grid Corporation Of India Ltd. | Energy | 750 | 76.1 | 2.33% | 0.04%↑ |
| REC Ltd. | Financial | 7,500 | 75.95 | 2.32% | 0.01%↑ |
| GOI | Sovereign | 75,00,000 | 70.04 | 2.14% | -1.39%↓ |
| Power Finance Corporation Ltd. | Financial | 6,500 | 63.41 | 1.94% | -0.13%↓ |
| National Bank For Financing Infrastructure And Development | Financial | 5,500 | 54.79 | 1.68% | 0.01%↑ |
| Indian Railway Finance Corporation Ltd. | Financial | 500 | 54.71 | 1.67% | 0.02%↑ |
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Debt Holdings — Credit Quality Profile
Allocation of debt instruments by credit rating (AAA, AA, A, and below investment grade) as a percentage of net assets, compared against the category average. Higher AAA allocation indicates lower credit risk.
| Rating | Fund | Category |
|---|---|---|
| AAA | 62.48% | 61.37% |
| A1+ | 21.49% | 13.53% |
| SOV | 15.43% | 11.43% |
| Others | 0.37% | 0.32% |
| Cash & Call Money | 0.23% | 10.93% |
| AA | - | 0.34% |
| AA+ | - | 1.08% |
| AA- | - | 0.00% |
| Cash | - | -0.26% |
| Term Deposits | - | 0.05% |
Debt Insights
A detailed look at the debt holdings of this scheme — Is the scheme yielding enough? Includes credit quality, instrument breakdown and SEBI risk classification.
SEBI PRC matrix
Credit risk
| Interest risk | |||
|---|---|---|---|
| Low | Moderate | High | |
| Low | |||
| Moderate | |||
| High | |||
Instruments
| Full name | Description | Coupon rate | Maturity | Rating raw | Weight |
|---|---|---|---|---|---|
| GOI | GOI Securities | 6.94% | 11/05/2036 | SOV | 6.24% |
| Punjab National Bank | Certificate of Deposit | 0.00% | 12/03/2027 | CRISIL A1+ | 5.91% |
| HDFC Bank Ltd. | Debenture | 7.70% | 16/05/2028 | CRISIL AAA | 3.91% |
| Bharti Telecom Ltd. | Debenture | 7.35% | 15/10/2027 | CRISIL AAA | 3.23% |
| GAIL (India) Ltd. | Debenture | 7.34% | 20/12/2027 | IND AAA | 3.21% |
| Bharti Telecom Ltd. | Debenture | 7.45% | 15/12/2028 | CRISIL AAA | 3.17% |
| Haryana State | State Development Loan | 7.08% | 26/03/2039 | SOV | 3.15% |
| Export-Import Bank Of India | Debenture | 7.23% | 18/03/2031 | CRISIL AAA | 3.13% |
| Small Industries Devp. Bank of India Ltd. | Bonds | 0.00% | 04/06/2029 | CRISIL AAA | 3.10% |
| Small Industries Devp. Bank of India Ltd. | Bonds/NCDs | 0.00% | 18/06/2031 | CRISIL AAA | 3.06% |
| Bank Of Baroda | Certificate of Deposit | 0.00% | 12/02/2027 | IND A1+ | 2.97% |
| HDFC Bank Ltd. | Debenture | 7.80% | 06/09/2032 | CRISIL AAA | 2.46% |
| National Housing Bank | Bonds/NCDs | 7.51% | 04/04/2031 | IND AAA | 2.36% |
| Power Finance Corporation Ltd. | Debenture | 6.92% | 14/04/2032 | CRISIL AAA | 2.33% |
| Power Grid Corporation Of India Ltd. | Debenture | 7.30% | 19/06/2027 | CRISIL AAA | 2.33% |
| REC Ltd. | Bonds | 7.53% | 31/05/2034 | CRISIL AAA | 2.32% |
| GOI | GOI Securities | 6.90% | 15/04/2065 | SOV | 2.14% |
| Power Finance Corporation Ltd. | Debenture | 7.32% | 15/07/2039 | CRISIL AAA | 1.94% |
| National Bank For Financing Infrastructure And Development | Bonds | 7.15% | 28/03/2035 | CRISIL AAA | 1.68% |
| Indian Railway Finance Corporation Ltd. | Debenture | 8.45% | 04/12/2028 | CRISIL AAA | 1.67% |
| Power Finance Corporation Ltd. | Debenture | 7.59% | 17/01/2028 | CRISIL AAA | 1.61% |
| GOI | GOI Securities | 7.32% | 13/11/2030 | SOV | 1.61% |
| Power Finance Corporation Ltd. | Debenture | 7.64% | 22/02/2033 | CRISIL AAA | 1.59% |
| Power Grid Corporation Of India Ltd. | Bonds/Debentures | 7.08% | 25/10/2034 | CRISIL AAA | 1.58% |
| State Bank of India | Bonds | 7.23% | 19/11/2039 | IND AAA | 1.57% |
| Indian Railway Finance Corporation Ltd. | Bonds/NCDs | 7.45% | 13/10/2028 | CRISIL AAA | 1.57% |
| Power Grid Corporation Of India Ltd. | Bonds | 7.35% | 12/03/2034 | CRISIL AAA | 1.56% |
| Maharashtra State | State Development Loan | 7.43% | 03/12/2040 | SOV | 1.53% |
| REC Ltd. | Non Convertible Debenture | 7.17% | 01/07/2031 | CRISIL AAA | 1.52% |
| State Bank of India | Bonds | 7.36% | 27/06/2039 | ICRA AAA | 1.52% |
| ICICI Securities Ltd. | Commercial Paper | 0.00% | 91-D 23/11/2026 | CRISIL A1+ | 1.50% |
| Bank Of Baroda | Certificate of Deposit | 0.00% | 05/02/2027 | IND A1+ | 1.49% |
| Punjab National Bank | Certificate of Deposit | 0.00% | 05/02/2027 | CRISIL A1+ | 1.49% |
| Bank Of Baroda | Certificate of Deposit | 0.00% | 25/01/2027 | IND A1+ | 1.49% |
| REC Ltd. | Bonds | 6.81% | 30/04/2036 | ICRA AAA | 1.48% |
| Axis Bank Ltd. | Certificate of Deposit | 0.00% | 12/02/2027 | CRISIL A1+ | 1.48% |
| HDFC Bank Ltd. | Certificate of Deposit | 0.00% | 24/02/2027 | CRISIL A1+ | 1.48% |
| State Bank of India | Debenture | 7.81% | 02/11/2038 | CRISIL AAA | 0.98% |
| Export-Import Bank Of India | Bonds | 7.14% | 13/12/2029 | CRISIL AAA | 0.80% |
| Indian Railway Finance Corporation Ltd. | Debenture | 7.23% | 15/10/2026 | CRISIL AAA | 0.79% |
| REC Ltd. | Debenture | 7.34% | 0 | CRISIL AAA | 0.78% |
| Indian Railway Finance Corporation Ltd. | Debenture | 7.39% | 15/07/2034 | CRISIL AAA | 0.78% |
| REC Ltd. | Bonds | 7.32% | 28/02/2035 | CRISIL AAA | 0.78% |
| NTPC Ltd. | Non Convertible Debenture | 7.26% | 20/03/2040 | CRISIL AAA | 0.77% |
| National Bank For Financing Infrastructure And Development | Debenture | 0.00% | 16/06/2033 | CRISIL AAA | 0.76% |
| REC Ltd. | Non Convertible Debenture | 7.30% | 01/07/2031 | CRISIL AAA | 0.76% |
| REC Ltd. | Debenture | 6.92% | 20/03/2032 | CRISIL AAA | 0.76% |
| Gujarat State | State Development Loan | 7.17% | 04/02/2032 | SOV | 0.76% |
| HDFC Bank Ltd. | Certificate of Deposit | 0.00% | 05/02/2027 | CRISIL A1+ | 0.74% |
| Bank Of Baroda | Certificate of Deposit | 0.00% | 03/02/2027 | IND A1+ | 0.74% |
| National Bank For Agriculture & Rural Development | Certificate of Deposit | 0.00% | 04/02/2027 | CRISIL A1+ | 0.74% |
| Export-Import Bank Of India | Certificate of Deposit | 0.00% | 29/01/2027 | CRISIL A1+ | 0.74% |
| Indian Bank | Certificate of Deposit | 0.00% | 21/06/2027 | CRISIL A1+ | 0.72% |
| Power Finance Corporation Ltd. | Bonds | 7.24% | 15/01/2035 | CRISIL AAA | 0.62% |
Frequently Asked Questions
What are the top holdings of DSP Banking and PSU Debt Fund Direct-Growth?
The top holdings of DSP Banking and PSU Debt Fund Direct-Growth as of 31 Aug 2026 are GOI (6.24%), Punjab National Bank (5.91%), HDFC Bank Ltd. (3.91%), Bharti Telecom Ltd. (3.23%), GAIL (India) Ltd. (3.21%). These top 5 stocks together account for 22.50% of the total portfolio. You can view the complete holdings breakdown above.
How many stocks does DSP Banking and PSU Debt Fund Direct-Growth hold in its portfolio?
DSP Banking and PSU Debt Fund Direct-Growth holds 56 stocks in its portfolio as of 31 Aug 2026. The fund's portfolio size reflects the fund manager's investment approach, a more concentrated portfolio indicates higher conviction bets, while a larger number of holdings suggests a more diversified strategy.
What is the sector allocation of DSP Banking and PSU Debt Fund Direct-Growth?
The sector allocation of DSP Banking and PSU Debt Fund Direct-Growth is shown in the Sector Allocation section above.
What is the equity and debt allocation of DSP Banking and PSU Debt Fund Direct-Growth?
As of 31 Aug 2026, DSP Banking and PSU Debt Fund Direct-Growth has 0.00% allocated to equity, and 99.77% to debt. You can also check the historical trends above.
What is the market cap allocation of DSP Banking and PSU Debt Fund Direct-Growth?
The market cap allocation of DSP Banking and PSU Debt Fund Direct-Growth is shown in the Holdings Analysis section above.
What is the PE ratio of DSP Banking and PSU Debt Fund Direct-Growth's portfolio?
The portfolio PE ratio of DSP Banking and PSU Debt Fund Direct-Growth is shown in the Holdings Analysis section above.
What is the credit quality of DSP Banking and PSU Debt Fund Direct-Growth?
As of 31 Aug 2026, DSP Banking and PSU Debt Fund Direct-Growth's debt portfolio has 62.48% in AAA-rated instruments, - in AA-rated, and 15.43% in sovereign securities. Higher allocation to AAA and sovereign instruments indicates lower credit risk in the non-equity portion of the portfolio.
When is the latest portfolio disclosure for DSP Banking and PSU Debt Fund Direct-Growth?
The latest portfolio disclosure for DSP Banking and PSU Debt Fund Direct-Growth is as of 31 Aug 2026. SEBI requires all mutual funds to disclose their complete portfolio holdings on a monthly basis, typically within 10 days of the end of each month.