DSP Banking & PSU Debt Fund - Debt Mutual Fund Scheme

This scheme		NIFTY Banki…	CRISIL 1 Ye…	Gold	PPF
NA	vs	NA	NA	NA	NA
NA	vs	NA	NA	NA	NA

	This scheme	NIFTY Banki… ^#	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 …	NIFTY Banki… ^{^}	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
TREPS / REVERSE REPO INVESTMENTS / CORPORATE DEBT REPO	6.58%
INDIAN RAILWAY FINANCE CORPORATION LIMITED	6.24%
6.79% GOI 15052027	5.84%
HINDUSTAN PETROLEUM CORPORATION LIMITED	5.38%
7.17% GOI 08012028	5.13%
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 & NCDs80.39%

Name	Rating	% of Net Assets
INDIAN RAILWAY FINANCE CORP LTD	CRISIL AAA	6.24%
HINDUSTAN PETROLEUM CORP LTD	CRISIL AAA	5.38%
INDIAN OIL CORP LTD	CRISIL AAA	4.51%
NATIONAL HOUSING BANK	CRISIL AAA	4.26%
SMALL INDUSTRIES DEVELOPMENT BANK OF INDIA	CARE AAA	4.03%
EXPORT-IMPORT BANK OF INDIA	CRISIL AAA	3.81%
POWER GRID CORP OF INDIA LTD	CRISIL AAA	3.5%
POWER GRID CORP OF INDIA LTD	CRISIL AAA	3.14%
NTPC LTD	CRISIL AAA	3.13%
NATIONAL HOUSING BANK	CRISIL AAA	3.02%
NATIONAL HIGHWAYS AUTHORITY OF INDIA	CRISIL AAA	2.97%
NATIONAL HIGHWAYS AUTHORITY OF INDIA	CRISIL AAA	2.83%
INDIAN RAILWAY FINANCE CORP LTD	CARE AAA	2.68%
NATIONAL BANK FOR AGRICULTURE AND RURAL DEVELOPMENT	CRISIL AAA	2.18%
EXPORT-IMPORT BANK OF INDIA	CRISIL AAA	1.98%
INDIAN OIL CORP LTD	CRISIL AAA	1.83%
NATIONAL BANK FOR AGRICULTURE AND RURAL DEVELOPMENT	CRISIL AAA	1.78%
INDIAN OIL CORP LTD	CRISIL AAA	1.73%
NATIONAL BANK FOR AGRICULTURE AND RURAL DEVELOPMENT	ICRA AAA	1.62%
SMALL INDUSTRIES DEVELOPMENT BANK OF INDIA	CARE AAA	1.51%
NHPC LTD	CARE AAA	1.42%
NATIONAL BANK FOR AGRICULTURE AND RURAL DEVELOPMENT	CRISIL AAA	1.34%
NTPC LTD	CRISIL AAA	1.34%
NATIONAL BANK FOR AGRICULTURE AND RURAL DEVELOPMENT	CRISIL AAA	1.32%
NATIONAL BANK FOR AGRICULTURE AND RURAL DEVELOPMENT	CRISIL AAA	1.11%
NATIONAL HIGHWAYS AUTHORITY OF INDIA	CRISIL AAA	0.97%
NTPC LTD	CRISIL AAA	0.93%
NATIONAL HIGHWAYS AUTHORITY OF INDIA	CRISIL AAA	0.92%
NATIONAL HOUSING BANK	CRISIL AAA	0.9%
NATIONAL HOUSING BANK	CRISIL AAA	0.88%
EXPORT-IMPORT BANK OF INDIA	CRISIL AAA	0.78%
EXPORT-IMPORT BANK OF INDIA	CRISIL AAA	0.75%
POWER GRID CORP OF INDIA LTD	CRISIL AAA	0.75%
BHARAT PETROLEUM CORP LTD	CRISIL AAA	0.68%
EXPORT-IMPORT BANK OF INDIA	CRISIL AAA	0.6%
INDIAN RAILWAY FINANCE CORP LTD	CRISIL AAA	0.56%
NTPC LTD	CARE AAA	0.54%
EXPORT-IMPORT BANK OF INDIA	CRISIL AAA	0.54%
EXPORT-IMPORT BANK OF INDIA	CRISIL AAA	0.4%
NTPC LTD	CRISIL AAA	0.4%
EXPORT-IMPORT BANK OF INDIA	CRISIL AAA	0.2%
NHPC LTD	IND AAA	0.2%
EXPORT-IMPORT BANK OF INDIA	CRISIL AAA	0.2%
GAIL INDIA LTD	CARE AAA	0.18%
POWER GRID CORP OF INDIA LTD	CRISIL AAA	0.18%
SMALL INDUSTRIES DEVELOPMENT BANK OF INDIA	CARE AAA	0.12%
POWER GRID CORP OF INDIA LTD	CRISIL AAA	0.04%
EXPORT-IMPORT BANK OF INDIA	CRISIL AAA	0.01%

80.5% of Debt instruments

Government Securities (Central/State)12.94%

Name	Rating	% of Net Assets
6.79% GOI 15052027	SOV	5.84%
7.17% GOI 08012028	SOV	5.13%
7.59% GOI 11012026	SOV	1.94%
STATE OF KARNATAKA INDIA	SOV	0.03%

13% of Debt instruments

TREPS6.58%

Name	Rating	% of Net Assets
TREPS / REVERSE REPO INVESTMENTS / CORPORATE DEBT REPO	--	6.58%

6.6% 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.
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 Financial Advisor.

DSP Banking & PSU Debt Fund
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Vikram Chopra

Saurabh Bhatia

Historical Returns

Portfolio as of May 31, 2020

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Performance

Historical Returns

Portfolio as of May 31, 2020

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Vikram Chopra

Saurabh Bhatia

Debt holdings for Banking & PSU Debt Fund

Bonds & NCDs80.39%

Government Securities (Central/State)12.94%

TREPS6.58%

DSP Banking & PSU Debt Fund presentation

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