DSP Banking & Financial Services Fund

Sectoral / ThematicEquity SEBI-regulated

NAV (Direct-Growth)

₹15.4550

As of 1 Jul 2026 · AMFI

AUM

₹1.9K Cr

Expense ratio

0.51%

1Y returns

+12.74%

cat 4.44%

3Y CAGR

—

cat 13.50%

5Y CAGR

—

cat 13.41%

Std deviation 3Y

—

cat 17.08%

In plain English

DSP Banking & Financial Services Fund is a Sectoral / Thematic scheme from DSP. The portfolio is ~94% in equities with 6% kept in cash and short-term debt. Worst historical drawdown: -15% in Mar 2026, recovered in 3 months. Wrong fit if you need this money in less than 7 years.

Auto-generated from holdings, returns and risk data. No paid placement, no copy-pasted boilerplate.

NAV history

NAV (Direct-Growth)

₹15.4550

Last 1Y

+11.44%

Jul 25Min ₹12.96 · Max ₹15.46 · 245 ptsJul 26

Drawdown stories

The crashes you should know about — and how long the fund took to recover.

Mar 2026

-14.7%

Peak ₹15.19 on 26 Feb 2026 → trough ₹12.96 on 31 Mar 2026 (1 months down).

Recovered in 3 months· 24 Jun 2026

Jan 2025

-11.4%

Peak ₹12.78 on 23 Sept 2024 → trough ₹11.32 on 27 Jan 2025 (4 months down).

Recovered in 3 months· 17 Apr 2025

Computed from the full NAV history. We show drawdowns deeper than 10%, sorted by depth.

Honesty score

A 1–5 grade on the dimensions other sites won't surface — expense bloat, AUM bloat, concentration, mandate compliance.

Honesty score

4 / 5

Solid scheme on the dimensions we check. No red flags.

Expense ratio
0.51% — well below typical 1% for equity.
AUM size
₹1.9K Cr.
Sector concentration
Top 3 sectors = 97.3% — heavy concentration risk.

Computed from expense ratio, AUM, sector concentration and SEBI mandate compliance. No paid review.

Performance

Returns for various periods, with category average and peer rank.

Period	Returns	Category avg	Rank
1W	-0.85%	-0.80%	15/ 28
1M	+9.44%	+7.94%	8/ 28
3M	+1.17%	-2.83%	3/ 24
6M	+4.46%	-0.84%	3/ 24
YTD	+5.64%	-0.60%	3/ 24
1Y	+12.74%	+4.44%	2/ 22
2Y	+19.26%	+9.70%	1/ 20
3Y	—	+13.50%	—
5Y	—	+13.41%	—
7Y	—	+10.18%	—
10Y	—	+13.89%	—

Portfolio composition

Asset allocation

Equity93.60%
Cash6.40%

By market cap

Large cap51.31%
Mid cap20.28%
Small cap12.08%
Others16.33%

Concentration

Holdings

Avg market cap

₹1.34 L Cr

Top 10 stocks

56.28%

Top 5 stocks

33.71%

Top 3 sectors

97.29%

Top holdings

Top 15 positions by weight, latest disclosure.

#InstrumentSectorWeight

1
ICICI Bank Ltd
—9.57%
1
ICICI Bank Ltd
—9.57%
2
Axis Bank Ltd
—8.59%
2
Axis Bank Ltd
—8.59%
3
Bajaj Finance Ltd
—5.23%
3
Bajaj Finance Ltd
—5.23%
4
Kotak Mahindra Bank Ltd
—5.17%
4
Kotak Mahindra Bank Ltd
—5.17%
5
Multi Commodity Exchange of India Ltd
—5.14%
5
Multi Commodity Exchange of India Ltd
—5.14%
6
State Bank of India
—4.93%
6
State Bank of India
—4.93%
7
SBI Life Insurance Co Ltd
—4.74%
7
SBI Life Insurance Co Ltd
—4.74%
8
Treps / Reverse Repo Investments
—4.65%

Fundamentals (vs category)

Portfolio-weighted ratios, compared with the category average.

MetricFundCategory avgDiff

P/E ratio19.6218.31+1.31
P/B ratio2.712.26+0.45
Price / Sales3.633.94-0.31
Price / Cash Flow—0.00—
Dividend yield0.78%0.94%-0.16
Return on equity (ROE)16.78%15.70%+1.08

Risk metrics

Standard deviation, Sharpe, Sortino, Beta — all vs category average.

Metric1Y3Y5YCat 1YCat 3YCat 5Y

Standard deviation
Volatility — lower means steadier returns.
12.61——22.8417.0817.14
Sharpe ratio
Risk-adjusted return — higher is better.
0.28——0.010.420.45
Sortino ratio
Like Sharpe but only counts downside volatility.
0.41——0.020.630.70
Beta
1 = moves with the market. <1 = less volatile.
0.97——1.040.980.97

Peers in Sectoral / Thematic

Other schemes in the same SEBI category, ranked by AUM.

Peer fundAUM1Y3Y CAGRExpense

Peers in same SEBI category, ranked by AUM. Compare any →

Available plans & options

PlanOptionFull nameISIN

DirectGrowthDSP Banking & Financial Services Fund - Direct - GrowthINF740KA1TQ3
DirectIDCW ReinvestmentDSP Banking & Financial Services Fund - Direct - IDCWINF740KA1TR1
RegularGrowthDSP Banking & Financial Services Fund - Regular - GrowthINF740KA1TN0
RegularIDCW ReinvestmentDSP Banking & Financial Services Fund - Regular - IDCWINF740KA1TO8

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