DSP Banking & PSU Debt Fund - Debt Mutual Fund Scheme

This scheme		NIFTY Banki…	CRISIL 10 Y…	Gold	PPF
NA	vs	NA	NA	NA	NA
NA	vs	NA	NA	NA	NA

	This scheme	NIFTY Banki… ^#	CRISIL 10 Y… ^#	Gold	PPF
# Returns do not reflect any income distribution cum capital withdrawal (IDCW) 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 …	NIFTY Banki… ^{^}	CRISIL 10 Y… ^#
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 Laukik Bagwe » 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
NTPC LIMITED**	6.62%
TREPS / REVERSE REPO INVESTMENTS / CORPORATE DEBT REPO	6.48%
NATIONAL HOUSING BANK**	5.58%
INDIAN RAILWAY FINANCE CORPORATION LIMITED**	5.48%
HINDUSTAN PETROLEUM CORPORATION LIMITED**	5%
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

Laukik Bagwe

Laukik is Fund Manager with the Fixed Income Investment team of DSP Investment managers. He joined the firm in November 2007 as a Fixed Income Dealer. From November 2003 to October 2007, Laukik worked with Derivium Capital & Securities Pvt. Ltd. as the Head of Fixed Income Trading - SLR & NONSLR Broking. From June 2000 to October 2003, he worked with Birla Sunlife Securities Ltd. as a Manager-SLR & NONSLR Broking.
He brings with him a total work experience of 11 years in debt broking and is currently the fund manager for the following schemes of DSP Mutual Fund.

All Funds managed by Laukik Bagwe
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 & NCDs77.6%

Name	Rating	% of Net Assets
NTPC LIMITED	CRISIL AAA	6.62%
NATIONAL HOUSING BANK	CRISIL AAA	5.58%
INDIAN RAILWAY FINANCE CORPORATION LIMITED	CRISIL AAA	5.48%
HINDUSTAN PETROLEUM CORPORATION LIMITED	CRISIL AAA	5%
SMALL INDUSTRIES DEVELOPMENT BANK OF INDIA	CARE AAA	3.07%
NATIONAL BANK FOR AGRICULTURE AND RURAL DEVELOPMENT	ICRA AAA	2.99%
INDIAN OIL CORPORATION LIMITED	CRISIL AAA	2.87%
NATIONAL BANK FOR AGRICULTURE AND RURAL DEVELOPMENT	CRISIL AAA	2.8%
REC LIMITED	CRISIL AAA	2.79%
NATIONAL HIGHWAYS AUTHORITY OF INDIA	CRISIL AAA	2.44%
POWER FINANCE CORPORATION LIMITED	CRISIL AAA	2.42%
POWER FINANCE CORPORATION LIMITED	CRISIL AAA	2.35%
NTPC LIMITED	CRISIL AAA	2.29%
INDIAN RAILWAY FINANCE CORPORATION LIMITED	CRISIL AAA	2.28%
REC LIMITED	CRISIL AAA	2.1%
INDIAN OIL CORPORATION LIMITED	CRISIL AAA	1.98%
REC LIMITED	CRISIL AAA	1.84%
POWER GRID CORPORATION OF INDIA LIMITED	CRISIL AAA	1.75%
SMALL INDUSTRIES DEVELOPMENT BANK OF INDIA	ICRA AAA	1.73%
NATIONAL HOUSING BANK	CRISIL AAA	1.7%
EXPORT-IMPORT BANK OF INDIA	CRISIL AAA	1.68%
REC LIMITED	CRISIL AAA	1.63%
NATIONAL BANK FOR AGRICULTURE AND RURAL DEVELOPMENT	ICRA AAA	1.55%
INDIAN RAILWAY FINANCE CORPORATION LIMITED	CRISIL AAA	1.54%
EXPORT-IMPORT BANK OF INDIA	CRISIL AAA	1.3%
OIL & NATURAL GAS CORPORATION LIMITED	ICRA AAA	1.24%
NHPC LIMITED	IND AAA	1.13%
NATIONAL BANK FOR AGRICULTURE AND RURAL DEVELOPMENT	CRISIL AAA	0.97%
POWER GRID CORPORATION OF INDIA LIMITED	CRISIL AAA	0.82%
REC LIMITED	CRISIL AAA	0.81%
NATIONAL HOUSING BANK	CRISIL AAA	0.79%
REC LIMITED	CRISIL AAA	0.78%
INDIAN RAILWAY FINANCE CORPORATION LIMITED	CRISIL AAA	0.77%
POWER GRID CORPORATION OF INDIA LIMITED	CRISIL AAA	0.4%
POWER GRID CORPORATION OF INDIA LIMITED	CRISIL AAA	0.34%
NTPC LIMITED	CRISIL AAA	0.33%
POWER FINANCE CORPORATION LIMITED	CRISIL AAA	0.32%
SMALL INDUSTRIES DEVELOPMENT BANK OF INDIA	CARE AAA	0.2%
NHPC LIMITED	IND AAA	0.17%
EXPORT-IMPORT BANK OF INDIA	CRISIL AAA	0.17%
GAIL (INDIA) LIMITED	IND AAA	0.16%
NATIONAL HOUSING BANK	CRISIL AAA	0.15%
REC LIMITED	CRISIL AAA	0.13%
SMALL INDUSTRIES DEVELOPMENT BANK OF INDIA	CARE AAA	0.1%
POWER GRID CORPORATION OF INDIA LIMITED	CRISIL AAA	0.03%
EXPORT-IMPORT BANK OF INDIA	CRISIL AAA	0.01%

77.7% of Debt instruments

Government Securities (Central/State)14.23%

Name	Rating	% of Net Assets
3.36% GOI FRB 07112024	SOV	4.18%
7.16% GOI 20052023	SOV	2.39%
5.15% GOI 09112025	SOV	2.24%
5.22% GOI 15062025	SOV	2.24%
7.32% GOI 28012024	SOV	1.59%
6.18% GOI 04112024	SOV	1.57%
8.48% KARNATAKA SDL 17102022	SOV	0.02%

14.3% of Debt instruments

TREPS6.48%

Name	Rating	% of Net Assets
TREPS / REVERSE REPO INVESTMENTS / CORPORATE DEBT REPO	--	6.48%

6.5% of Debt instruments

Money market instruments1.5%

Name	Rating	% of Net Assets
AXIS BANK LIMITED	CRISIL A1+	0.75%
AXIS BANK LIMITED	CRISIL A1+	0.75%

1.5% 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 income distribution cum capital withdrawal (IDCW) plans of schemes are calculated after assuming that the net income distribution cum capital withdrawal (IDCW) payouts post statutory taxes & levies, are re-invested back in the scheme.
Income distribution cum capital withdrawals (IDCW) declared from benchmark's constituents isn't taken into account when comparing with investment in scheme's income distribution cum capital withdrawal (IDCW) 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.
Investment in gold has a strong global market demand and gold is highly liquid asset.
PPF interest rate is assumed at 8.7% p.a. & interest received is compounded daily for the returns illustration in the charts.
The comparison with PPF (and other traditional saving instruments/assets) has been given for the purpose of the general information only. Investments in mutual funds should not be construed as a promise, guarantee on or a forecast of any minimum returns. Unlike traditional saving instruments there is no capital protection guarantee or assurance of any return in mutual fund investment. Traditional savings instruments are comparatively low risk products and are generally backed by the Government. Investment in mutual funds carries high risk as compared to the traditional saving instruments and any investment decision needs to be taken only after consulting the Tax Consultant or Mutual Fund Distributor.

DSP Banking & PSU Debt Fund
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Vikram Chopra

Laukik Bagwe

Historical Returns

Portfolio as of Jul 31, 2021

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Performance

Historical Returns

Portfolio as of Jul 31, 2021

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Vikram Chopra

Laukik Bagwe

Debt holdings for Banking & PSU Debt Fund

Bonds & NCDs77.6%

Government Securities (Central/State)14.23%

TREPS6.48%

Money market instruments1.5%

DSP Banking & PSU Debt Fund presentation

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