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DSP Banking & PSU Debt Fund(DD-IDCW)

Ticker: mf14978
Risky 48/100

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D
DSP Banking & PSU Debt Fund(IDCW)
Score 68/100 Decent
The fund shows decent potential but faces challenges in growth and valuation metrics.
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U
UTI Large & Mid Cap Fund(IDCW)
Score 68/100 Decent
The UTI Large & Mid Cap Fund shows decent potential for growth, but investors should be cautious of valuation and execution risks.
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S
SBI Infrastructure Fund(IDCW-Payout)
Score 68/100 Decent
The SBI Infrastructure Fund shows potential in the infrastructure sector but faces challenges in profitability and execution risks. Caution is advised.
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S
SBI Infrastructure Fund(IDCW)
Score 66/100 Decent
The SBI Infrastructure Fund shows decent potential, but investors should be cautious due to execution risks and market conditions.
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A
Aditya Birla SL Small Cap Fund(IDCW-Reinv)
Score 68/100 Decent
The fund shows potential but faces challenges in growth consistency and profitability metrics.
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A
Aditya Birla SL Small Cap Fund(IDCW)
Score 68/100 Decent
The fund shows potential but faces challenges in growth consistency and profitability metrics.
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S
SBI Technology Opp Fund(IDCW-Payout)
Score 66/100 Decent
The fund shows potential in the technology sector but faces challenges in growth consistency and valuation metrics.
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S
SBI Technology Opp Fund(IDCW)
Score 56/100 Decent
The SBI Technology Opp Fund shows potential but faces challenges in consistency and valuation. Investors should proceed with caution.
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B
BHARAT Bond FOF - April 2031 -(IDCW)
Score 58/100 Decent
The Bharat Bond FOF - April 2031 presents a decent investment opportunity, but investors should be cautious due to liquidity concerns and limited growth drivers.
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S
SBI Gold(IDCW-Payout)
Score 68/100 Decent
SBI Gold(IDCW-Payout) shows decent potential with stable growth, but faces challenges in profitability and execution risks.
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S
SBI Gold(IDCW)
Score 56/100 Decent
SBI Gold(IDCW) presents a decent investment opportunity with stable growth but faces challenges in profitability and market sentiment.
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H
HDFC Multi-Asset Fund(IDCW-Reinv)
Score 66/100 Decent
The HDFC Multi-Asset Fund shows a decent investment potential with a balanced approach to growth and risk management.
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H
HDFC Multi-Asset Fund(IDCW)
Score 72/100 Decent
HDFC Multi-Asset Fund shows decent potential with consistent growth and manageable risks, making it a reasonable investment option.
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U
UTI Small Cap Fund(IDCW)
Score 67/100 Decent
The UTI Small Cap Fund shows potential for growth but comes with inherent risks typical of small-cap investments. It is advisable for investors with a higher risk tolerance.
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A
Aditya Birla SL Digital India Fund(IDCW)
Score 68/100 Decent
The fund is positioned in a promising sector with decent growth potential, but faces challenges in profitability and valuation metrics.
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A
Aditya Birla SL Digital India Fund(IDCW-Reinv)
Score 68/100 Decent
The fund shows decent potential with a focus on digital growth, but investors should be cautious of execution risks and market volatility.
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Business Overview

DSP Banking & PSU Debt Fund is a mutual fund designed to invest primarily in debt securities issued by banks and public sector undertakings. Ideal for conservative investors seeking stable income and lower risk, this fund focuses on generating reasonable returns while preserving capital. It plays a crucial role in diversifying your investment portfolio, especially in uncertain market conditions. With a professional management team and a robust investment strategy, this fund aims to provide consistent performance over the long term.

  • Focuses on debt securities from banks and PSUs
  • Ideal for conservative investors seeking stability
  • Aims for consistent income generation
  • Managed by a professional investment team
  • Helps in diversifying investment portfolios
  • Suitable for long-term financial goals

Investment Thesis

DSP Banking & PSU Debt Fund stands out due to its strong promoter credibility and robust digital services growth potential. With attractive valuations compared to peers, it presents a compelling investment opportunity for retail investors seeking stability and growth in the debt fund space.

  • Strong backing from DSP Group, known for its financial expertise.
  • Significant growth in digital services enhances operational efficiency.
  • Attractive valuation metrics compared to industry peers.
  • Focus on high-quality banking and PSU securities ensures lower risk.
  • Ideal for conservative investors seeking steady income with growth potential.

Opportunity vs Risk

Opportunities
  • Stable returns from government bonds
  • Low credit risk exposure
  • Potential for interest rate gains
  • Diversification for fixed income portfolio
Risks ⚠️
  • Interest rate fluctuations impact returns
  • Credit risk from PSU bonds
  • Market volatility affecting NAV
  • Liquidity concerns in debt markets

Peer Perspective

DSP Banking & PSU Debt Fund trades at a slight premium compared to peers like HDFC Banking Fund and ICICI PSU Debt Fund. A rerating could occur with improved margin stability and consistent growth in underlying assets.
📊 Stock Investment Checklist (100 Points)
DSP Banking & PSU Debt Fund(DD-IDCW) • Updated: 2025-10-01 02:30:58
  • 10
    Business
    High
    The sector is stable but lacks significant growth potential.
  • 10
    Growth
    High
    Moderate revenue growth observed, but inconsistent profit margins.
  • 8
    Profitability
    High
    ROE and ROCE are below industry averages.
  • 9
    Valuation
    High
    Valuation metrics are in line with peers but not compelling.
  • 7
    Balance
    High
    Debt levels are manageable, but liquidity could be improved.
  • 6
    Governance
    Good
    Promoter holding is stable, but some concerns over disclosures.
  • 5
    Drivers
    Good
    Limited growth drivers identified, execution risks present.
  • 1
    Technicals
    Low
    Weak market sentiment and low liquidity.
Final Score & Verdict
Score 48 / 100 • Risky
The fund shows potential but is hindered by inconsistent growth and profitability metrics, making it a risky investment.