DSP Banking & PSU Debt Fund - Debt Mutual Fund Scheme

This scheme		CRISIL Shor…	CRISIL 1 Ye…	Gold	PPF
NA	vs	NA	NA	NA	NA
NA	vs	NA	NA	NA	NA

	This scheme	CRISIL Shor… ^#	CRISIL 1 Ye… ^#	Gold	PPF
# Returns do not reflect any dividend distribution

	1 Year	3 Years	5 Years	10 Years
# Rolling returns have been calculated based on returns from regular plan growth option.

Comparative performance of DSP Banking & PSU Debt Fund as of
	DSP Banking & PSU Debt …	CRISIL Shor… ^{^}	CRISIL 1 Ye… ^#
Date of allotment: Sep 14, 2013. Period for which scheme's performance has been provided is computed basis last day of the month-end preceding the date of advertisement Different plans shall have a different expense structure. The performance details provided herein are of Direct Plan. Since inception returns have been calculated from the date of allotment till June 28, 2013 See all funds managed by Vikram Chopra » See all funds managed by Saurabh Bhatia » Past performance may or may not be sustained in future and should not be used as a basis for comparison with other investments ^ Scheme Benchmark # Standard Benchmark

Top 5 instruments by holding
Name	% of Net Assets
HINDUSTAN PETROLEUM CORPORATION LIMITED	6.57%
7.27% GOI 08042026	5.78%
NTPC LIMITED	5.26%
INDIAN RAILWAY FINANCE CORPORATION LIMITED	4.72%
BHARAT PETROLEUM CORPORATION LIMITED	4.4%
See detailed debt holdings »

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Vikram Chopra

Vikram joined DSP Investment Managers from L&T Investment Management and brings with him over 14 years of investment experience. He has also previously worked with Fidelity, IDBI Bank and Axis Bank Ltd.

All Funds managed by Vikram Chopra
Sr. No.	Period	1 Year		3 Years		5 Years
Period for which scheme's performance has been provided is computed basis last day of the month-end preceding the date of advertisement Different plans shall have a different expense structure. The performance details provided herein are of regular plan. Past performance may or may not be sustained in future and should not be used as a basis for comparison with other investments

Saurabh Bhatia

Saurabh joined DSP Investment Managers as Vice President-Fixed Income in July 2017. He has more than 15 years of experience in the domestic fixed income markets. Beginning his career with sales and intermediation, he has traversed roles across fixed income verticals which include managing fixed income portfolio for a corporate treasury, government owned retirement fund and being an integral part of a private bank treasury.
In recent years, Saurabh was part of HSBC Asset Management India Pvt. Ltd, responsible to manage funds for Employees Provident Fund Organisation, Government of India along with advising Life Insurance, Non-Life Insurance and FPI's for their fixed income portfolios. His last role involved trading in fixed income instruments at Proprietary Trading Group of ICICI Bank. Saurabh holds a Bachelor's Degree in commerce from Mumbai University and a Post Graduate Diploma in Business Management from Wigan and Leigh College.

All Funds managed by Saurabh Bhatia
Sr. No.	Period	1 Year		3 Years		5 Years
Period for which scheme's performance has been provided is computed basis last day of the month-end preceding the date of advertisement Different plans shall have a different expense structure. The performance details provided herein are of regular plan. Past performance may or may not be sustained in future and should not be used as a basis for comparison with other investments

Debt holdings for Banking & PSU Debt Fund

Bonds & NCDs93.77%

Name	Rating	% of Net Assets
HINDUSTAN PETROLEUM CORPORATION LIMITED	CRISIL AAA	6.57%
NTPC LIMITED	CRISIL AAA	5.26%
INDIAN RAILWAY FINANCE CORPORATION LIMITED	CRISIL AAA	4.72%
BHARAT PETROLEUM CORPORATION LIMITED	CRISIL AAA	4.4%
RELIANCE INDUSTRIES LIMITED	CRISIL AAA	4.19%
NATIONAL BANK FOR AGRICULTURE AND RURAL DEVELOPMENT	CRISIL AAA	3.92%
POWER GRID CORPORATION OF INDIA LIMITED	CRISIL AAA	3.76%
POWER FINANCE CORPORATION LIMITED	CRISIL AAA	3.73%
NATIONAL BANK FOR AGRICULTURE AND RURAL DEVELOPMENT	CRISIL AAA	3.44%
POWER GRID CORPORATION OF INDIA LIMITED	CRISIL AAA	3.37%
REC LIMITED	CRISIL AAA	3.04%
INDIAN RAILWAY FINANCE CORPORATION LIMITED	CRISIL AAA	2.86%
STATE BANK OF INDIA	CRISIL AAA	2.82%
NATIONAL HIGHWAYS AUTHORITY OF INDIA	CRISIL AAA	2.8%
REC LIMITED	CRISIL AAA	2.45%
SMALL INDUSTRIES DEVELOPMENT BANK OF INDIA	CARE AAA	2.3%
SMALL INDUSTRIES DEVELOPMENT BANK OF INDIA	CARE AAA	2.17%
EXPORT-IMPORT BANK OF INDIA	CRISIL AAA	2.09%
NHPC LIMITED	CARE AAA	1.95%
SMALL INDUSTRIES DEVELOPMENT BANK OF INDIA	CARE AAA	1.76%
NATIONAL HIGHWAYS AUTHORITY OF INDIA	CRISIL AAA	1.67%
INDIAN RAILWAY FINANCE CORPORATION LIMITED	CRISIL AAA	1.41%
HINDUSTAN PETROLEUM CORPORATION LIMITED	IND AAA	1.4%
REC LIMITED	CRISIL AAA	1.39%
REC LIMITED	CRISIL AAA	1.39%
NATIONAL HIGHWAYS AUTHORITY OF INDIA	CRISIL AAA	1.38%
SMALL INDUSTRIES DEVELOPMENT BANK OF INDIA	CARE AAA	1.37%
NATIONAL HIGHWAYS AUTHORITY OF INDIA	CRISIL AAA	1.35%
HOUSING DEVELOPMENT FINANCE CORPORATION LIMITED	CRISIL AAA	1.34%
REC LIMITED	CRISIL AAA	1.25%
NTPC LIMITED	CRISIL AAA	1.15%
NHPC LIMITED	CARE AAA	1.12%
NATIONAL BANK FOR AGRICULTURE AND RURAL DEVELOPMENT	CRISIL AAA	1.09%
POWER FINANCE CORPORATION LIMITED	CRISIL AAA	1.07%
POWER FINANCE CORPORATION LIMITED	CRISIL AAA	1.06%
NATIONAL BANK FOR AGRICULTURE AND RURAL DEVELOPMENT	CRISIL AAA	1%
POWER GRID CORPORATION OF INDIA LIMITED	CRISIL AAA	0.81%
NTPC LIMITED	CRISIL AAA	0.6%
POWER FINANCE CORPORATION LIMITED	CRISIL AAA	0.56%
EXPORT-IMPORT BANK OF INDIA	CRISIL AAA	0.56%
POWER FINANCE CORPORATION LIMITED	CRISIL AAA	0.56%
HOUSING DEVELOPMENT FINANCE CORPORATION LIMITED	CRISIL AAA	0.54%
POWER FINANCE CORPORATION LIMITED	CRISIL AAA	0.53%
NHPC LIMITED	IND AAA	0.29%
GAIL (INDIA) LIMITED	CARE AAA	0.28%
EXPORT-IMPORT BANK OF INDIA	CRISIL AAA	0.28%
HOUSING DEVELOPMENT FINANCE CORPORATION LIMITED	CRISIL AAA	0.27%
REC LIMITED	CRISIL AAA	0.22%
NTPC LIMITED	CRISIL AAA	0.1%
REC LIMITED	CRISIL AAA	0.07%
POWER GRID CORPORATION OF INDIA LIMITED	CRISIL AAA	0.06%

91.5% of Debt instruments

Central Government Securities5.82%

Name	Rating	% of Net Assets
7.27% GOI 08042026	SOV	5.78%
KARNATAKA STATE GOVERNMENT	SOV	0.04%

5.7% of Debt instruments

TREPS2.94%

Name	Rating	% of Net Assets
TREPS / REVERSE REPO INVESTMENTS / CORPORATE DEBT REPO	--	2.94%

2.9% of Debt instruments

DSP Banking & PSU Debt Fund presentation

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The investment objective of the Scheme is to seek to generate income and capital appreciation by primarily investing in a portfolio of high quality debt and money market securities that are issued by banks and public sector entities/undertakings.
There is no assurance that the investment objective of the Scheme will be realized.

For lumpsum investments, if the investment period is less than 1 year then same return values are displayed for absolute & XIRR. For periods above 1 year, they are annualized. 1 Year is assumed as 365 days.
Returns for investments in dividend plans of schemes are calculated after assuming that the net dividend payouts post statutory taxes & levies, are re-invested back in the scheme.
Dividends declared from benchmark's constituents isn't taken into account when comparing with investment in scheme's dividend plans.
Performance is always compared against the latest benchmark of the scheme irrespective of the date of change of scheme's benchmark, if any.
Except when SIP tenure is since inception, for all tenures, the start day for SIP investments is considered as 1st of every month. There is no end date to SIPs for the purpose of graphs.
For the purpose of NAV date applicability, if the investment date happens to be a non-business day, next business day's NAV is applied. Investment on inception date can happen on a non-business day.
Gold prices are available post 29 JAN, 2005 & are based on daily closing values on MCX.
PPF interest rate is assumed at 8.7% p.a. & interest received is compounded daily for the returns illustration in the charts.

DSP Banking & PSU Debt Fund
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Vikram Chopra

Saurabh Bhatia

Historical Returns

Portfolio as of Sep 30, 2019

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Performance

Historical Returns

Portfolio as of Sep 30, 2019

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Vikram Chopra

Saurabh Bhatia

Debt holdings for Banking & PSU Debt Fund

Bonds & NCDs93.77%

Central Government Securities5.82%

TREPS2.94%

DSP Banking & PSU Debt Fund presentation