DSP Banking & PSU Debt Fund(M-IDCW)
Ticker: mf14976
Decent
68/100
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D
DSP Banking & PSU Debt Fund(W-IDCW)
The fund shows decent potential but is hindered by inconsistent growth and profitability metrics.
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D
DSP Banking & PSU Debt Fund(DD-IDCW)
The fund shows potential but is hindered by inconsistent growth and profitability metrics, making it a risky investment.
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D
DSP Banking & PSU Debt Fund(IDCW)
The fund shows decent potential but faces challenges in growth and valuation metrics.
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U
UTI Large & Mid Cap Fund(IDCW)
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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SBI Infrastructure Fund(IDCW-Payout)
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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SBI Infrastructure Fund(IDCW)
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)
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Aditya Birla SL Small Cap Fund(IDCW)
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SBI Technology Opp Fund(IDCW-Payout)
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SBI Technology Opp Fund(IDCW)
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B
BHARAT Bond FOF - April 2031 -(IDCW)
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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SBI Gold(IDCW-Payout)
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S
SBI Gold(IDCW)
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)
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)
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)
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Business Overview
DSP Banking & PSU Debt Fund (M-IDCW) is a mutual fund designed for investors seeking stable returns through investments in banking and public sector undertakings. This fund is ideal for conservative investors looking for a steady income stream while minimizing risk. With a focus on high-quality debt instruments, it aims to provide capital preservation and liquidity. By investing in this fund, you can benefit from professional management and a diversified portfolio.
- Focuses on banking and PSU sectors
- Ideal for conservative investors
- Aims for stable income and capital preservation
- Managed by experienced professionals
- Diversified portfolio to minimize risk
Investment Thesis
DSP Banking & PSU Debt Fund (M-IDCW) stands out due to its strong promoter credibility and robust digital services growth potential. With attractive valuations compared to peers, this fund is well-positioned to deliver stable returns, making it a compelling choice for Indian retail investors seeking reliable income and growth.
- 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 stability.
- Ideal for risk-averse investors looking for consistent income.
Opportunity vs Risk
Opportunities
- Stable income from debt investments
- Potential for capital appreciation
- Tax benefits under certain conditions
- Diversification in investment portfolio
- Low correlation with equity markets
Risks ⚠️
- Interest rate fluctuations impact returns
- Credit risk from debt securities
- Liquidity risk in market downturns
- Regulatory changes affecting funds
- Market volatility can affect NAV
Peer Perspective
DSP Banking & PSU Debt Fund trades at a slight premium compared to peers like HDFC Banking Fund and ICICI PSU 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(M-IDCW) • Updated: 2025-10-01 02:31:34
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10BusinessHighThe sector is stable but lacks significant growth drivers.
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10GrowthHighModerate revenue growth observed, but profit consistency is lacking.
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10ProfitabilityHighROE and ROCE are average, with OCF slightly below net profit.
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8ValuationHighValuation metrics are above average compared to peers.
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6BalanceGoodDebt levels are manageable, but liquidity is a concern.
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7GovernanceHighPromoter holding is stable, but disclosures could improve.
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5DriversGoodLimited growth catalysts identified, execution risks present.
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5TechnicalsGoodMarket sentiment is neutral with low liquidity.
Final Score & Verdict
Score 68 / 100
• Decent
The fund shows moderate potential with some risks, particularly in growth and profitability metrics.