{"id":254478,"date":"2026-09-18T08:34:18","date_gmt":"2026-09-18T03:04:18","guid":{"rendered":"https:\/\/univest.in\/blogs-2\/dsp-financial-services-sectoral-debt-fund-direct-growth-review-2026\/"},"modified":"2026-09-18T08:34:18","modified_gmt":"2026-09-18T03:04:18","slug":"dsp-financial-services-sectoral-debt-fund-direct-growth-review-2026","status":"publish","type":"post","link":"https:\/\/univest.in\/blogs-2\/dsp-financial-services-sectoral-debt-fund-direct-growth-review-2026\/","title":{"rendered":"DSP Financial Services Sectoral Debt Fund Direct Growth Review 2026: NAV, Returns, Portfolio &#038; Should You Invest?"},"content":{"rendered":"<p><a href=\"https:\/\/univest.in\/mutual-funds\/dsp-financial-services-sectoral-debt-fund-g-direct-plan\">DSP Financial Services Sectoral Debt Fund Direct Growth Plan<\/a> currently has a NAV of \u20b910.0392 as of 17 September 2026 and an AUM of \u20b9563 Cr. Its 1-year, 3-year and 5-year returns are 0%, 0% and 0%, and the scheme is tagged as Medium Risk.<\/p>\n<p>Our view is that this is a young fund with limited performance history, so the current reading is more about structure and positioning than a tested long-run track record. The current portfolio is dominated by cash-like exposure and corporate debt, which may support stability, but the absence of established multi-year returns means investors need to be comfortable with early-stage uncertainty.<\/p>\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_65 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title \" >Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/univest.in\/blogs-2\/dsp-financial-services-sectoral-debt-fund-direct-growth-review-2026\/#Quick_facts\" title=\"Quick facts\">Quick facts<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/univest.in\/blogs-2\/dsp-financial-services-sectoral-debt-fund-direct-growth-review-2026\/#Performance\" title=\"Performance\">Performance<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/univest.in\/blogs-2\/dsp-financial-services-sectoral-debt-fund-direct-growth-review-2026\/#Should_you_BUY_or_HOLD_DSP_Financial_Services_Sectoral_Debt\" title=\"Should you BUY or HOLD DSP Financial Services Sectoral Debt?\">Should you BUY or HOLD DSP Financial Services Sectoral Debt?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/univest.in\/blogs-2\/dsp-financial-services-sectoral-debt-fund-direct-growth-review-2026\/#Peer_comparison\" title=\"Peer comparison\">Peer comparison<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/univest.in\/blogs-2\/dsp-financial-services-sectoral-debt-fund-direct-growth-review-2026\/#Portfolio_where_your_money_goes\" title=\"Portfolio: where your money goes\">Portfolio: where your money goes<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/univest.in\/blogs-2\/dsp-financial-services-sectoral-debt-fund-direct-growth-review-2026\/#Who_should_invest\" title=\"Who should invest\">Who should invest<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/univest.in\/blogs-2\/dsp-financial-services-sectoral-debt-fund-direct-growth-review-2026\/#Tax_and_exit_load\" title=\"Tax and exit load\">Tax and exit load<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/univest.in\/blogs-2\/dsp-financial-services-sectoral-debt-fund-direct-growth-review-2026\/#Frequently_asked_questions\" title=\"Frequently asked questions\">Frequently asked questions<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/univest.in\/blogs-2\/dsp-financial-services-sectoral-debt-fund-direct-growth-review-2026\/#What_is_the_current_NAV_of_DSP_Financial_Services_Sectoral_Debt_Fund_Direct_Growth_Plan\" title=\"What is the current NAV of DSP Financial Services Sectoral Debt Fund Direct Growth Plan?\">What is the current NAV of DSP Financial Services Sectoral Debt Fund Direct Growth Plan?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/univest.in\/blogs-2\/dsp-financial-services-sectoral-debt-fund-direct-growth-review-2026\/#What_are_the_funds_1-year_3-year_and_5-year_returns\" title=\"What are the fund\u2019s 1-year, 3-year and 5-year returns?\">What are the fund\u2019s 1-year, 3-year and 5-year returns?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/univest.in\/blogs-2\/dsp-financial-services-sectoral-debt-fund-direct-growth-review-2026\/#How_does_the_fund_compare_with_Nifty_50\" title=\"How does the fund compare with Nifty 50?\">How does the fund compare with Nifty 50?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/univest.in\/blogs-2\/dsp-financial-services-sectoral-debt-fund-direct-growth-review-2026\/#How_does_it_compare_with_the_peer_funds_shown_here\" title=\"How does it compare with the peer funds shown here?\">How does it compare with the peer funds shown here?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/univest.in\/blogs-2\/dsp-financial-services-sectoral-debt-fund-direct-growth-review-2026\/#What_is_the_minimum_SIP_amount\" title=\"What is the minimum SIP amount?\">What is the minimum SIP amount?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-14\" href=\"https:\/\/univest.in\/blogs-2\/dsp-financial-services-sectoral-debt-fund-direct-growth-review-2026\/#What_risk_and_portfolio_features_stand_out\" title=\"What risk and portfolio features stand out?\">What risk and portfolio features stand out?<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-15\" href=\"https:\/\/univest.in\/blogs-2\/dsp-financial-services-sectoral-debt-fund-direct-growth-review-2026\/#Bottom_line\" title=\"Bottom line\">Bottom line<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-16\" href=\"https:\/\/univest.in\/blogs-2\/dsp-financial-services-sectoral-debt-fund-direct-growth-review-2026\/#Explore_mutual_funds_with_Univest\" title=\"Explore mutual funds with Univest\">Explore mutual funds with Univest<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-17\" href=\"https:\/\/univest.in\/blogs-2\/dsp-financial-services-sectoral-debt-fund-direct-growth-review-2026\/#RIA_disclosure\" title=\"RIA disclosure\">RIA disclosure<\/a><\/li><\/ul><\/nav><\/div>\n<h2 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"Quick_facts\"><\/span>Quick facts<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<table>\n<thead>\n<tr>\n<th>Particular<\/th>\n<th>Details<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>NAV<\/td>\n<td>\u20b910.0392 as of 17 Sep 2026<\/td>\n<\/tr>\n<tr>\n<td>AUM<\/td>\n<td>\u20b9563 Cr<\/td>\n<\/tr>\n<tr>\n<td>Expense Ratio<\/td>\n<td>0.0%<\/td>\n<\/tr>\n<tr>\n<td>Launch Date<\/td>\n<td>27 Aug 2026<\/td>\n<\/tr>\n<tr>\n<td>Min SIP<\/td>\n<td>\u20b9100<\/td>\n<\/tr>\n<tr>\n<td>Risk Category<\/td>\n<td>Medium Risk<\/td>\n<\/tr>\n<tr>\n<td>Benchmark<\/td>\n<td>Nifty 50<\/td>\n<\/tr>\n<tr>\n<td>Fund Category<\/td>\n<td>Equity<\/td>\n<\/tr>\n<tr>\n<td>Exit Load<\/td>\n<td>No exit load<\/td>\n<\/tr>\n<tr>\n<td>Fund Managers<\/td>\n<td>Karan Mundhra, Kunal Khudania, Shalini Vasanta<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>The fund is managed by Karan Mundhra, Kunal Khudania and Shalini Vasanta.<\/p>\n<p class=\"mf-source-date\"><small>Source data date: as of 17 Sep 2026<\/small><\/p>\n<h2 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"Performance\"><\/span>Performance<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<table>\n<thead>\n<tr>\n<th>Period<\/th>\n<th>Fund return<\/th>\n<th>Benchmark return<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>1M<\/td>\n<td>0.39%<\/td>\n<td>-3.66%<\/td>\n<\/tr>\n<tr>\n<td>3M<\/td>\n<td>Data not available<\/td>\n<td>Data not available<\/td>\n<\/tr>\n<tr>\n<td>1Y<\/td>\n<td>0%<\/td>\n<td>Data not available<\/td>\n<\/tr>\n<tr>\n<td>3Y<\/td>\n<td>0%<\/td>\n<td>Data not available<\/td>\n<\/tr>\n<tr>\n<td>5Y<\/td>\n<td>0%<\/td>\n<td>Data not available<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>The one-month reading shows a small positive move for the fund while the benchmark stayed weaker over the same window. That suggests the portfolio has held up better than the index in the very near term, even though the margin is modest.<\/p>\n<p>The longer horizon is still too early to treat as a developed track record. The scheme launched only on 27 Aug 2026, so the 1-year, 3-year and 5-year rows effectively tell us that there is no meaningful long-run history yet. For a new fund, that matters more than the flat return figures themselves because investors do not yet have a cycle of gains and drawdowns to judge.<\/p>\n<p>Even so, the portfolio pattern gives a useful clue. A large cash-like allocation alongside debt exposures can damp day-to-day movement, which is consistent with the subdued one-month result. Our reading is that the fund appears more defensive in short stretches than the benchmark, but it has not yet built a record that would let us separate steadiness from simple launch-phase behaviour.<\/p>\n<p>The key takeaway is that the recent pattern is better than the benchmark in the short window available, while the medium- and long-term picture remains untested. That makes the fund more suitable for investors who are willing to wait for performance history to develop rather than those who want an established outcome profile today.<\/p>\n<p class=\"mf-source-date\"><small>Source data date: as of 17 Sep 2026<\/small><\/p>\n<section class=\"univest-mf-premium-cta\" style=\"margin:28px 0;padding:24px;border-radius:10px;border:1px solid #d8e3f0;background:#f7faff\">\n<h2 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"Should_you_BUY_or_HOLD_DSP_Financial_Services_Sectoral_Debt\"><\/span>Should you BUY or HOLD DSP Financial Services Sectoral Debt?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>A fund&#8217;s past returns alone don&#8217;t tell you whether you should buy it today or continue holding it.<\/p>\n<p>The right decision depends on factors such as your current allocation, purchase price, risk profile, investment horizon and the role this fund plays in your overall portfolio.<\/p>\n<p><strong>Already holding DSP Financial Services Sectoral Debt? Thinking of investing now?<\/strong><\/p>\n<p><a href=\"https:\/\/univest.in\/mutual-funds\" style=\"font-weight:700;text-decoration:none\">Get your portfolio analysed for FREE by SEBI-registered Investment Adviser (RIA) through Univest MF Premium<\/a><\/p>\n<\/section>\n<h2 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"Peer_comparison\"><\/span>Peer comparison<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<table>\n<thead>\n<tr>\n<th>Fund<\/th>\n<th>1Y return<\/th>\n<th>3Y return<\/th>\n<th>5Y return<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td><a href=\"https:\/\/univest.in\/mutual-funds\/dsp-financial-services-sectoral-debt-fund-g-direct-plan\">DSP Financial Services Sectoral Debt Fund Direct Growth Plan<\/a><\/td>\n<td>0%<\/td>\n<td>0%<\/td>\n<td>0%<\/td>\n<\/tr>\n<tr>\n<td><a href=\"https:\/\/univest.in\/mutual-funds\/icici-pru-strategic-metal-and-energy-equity-fof-g-direct-plan\">ICICI Pru Strategic Metal and Energy Equity FoF Direct Growth Plan<\/a><\/td>\n<td>69.8%<\/td>\n<td>36.32%<\/td>\n<td>Data not available<\/td>\n<\/tr>\n<tr>\n<td><a href=\"https:\/\/univest.in\/mutual-funds\/hdfc-pharma-and-healthcare-fund-g-direct-plan\">HDFC Pharma and Healthcare Fund Direct Growth Plan<\/a><\/td>\n<td>25.31%<\/td>\n<td>Data not available<\/td>\n<td>Data not available<\/td>\n<\/tr>\n<tr>\n<td><a href=\"https:\/\/univest.in\/mutual-funds\/kotak-healthcare-fund-g-direct-plan\">Kotak Healthcare Fund Direct Growth Plan<\/a><\/td>\n<td>25.27%<\/td>\n<td>Data not available<\/td>\n<td>Data not available<\/td>\n<\/tr>\n<tr>\n<td><a href=\"https:\/\/univest.in\/mutual-funds\/motilal-oswal-active-momentum-fund-g-direct-plan\">Motilal Oswal Active Momentum Fund Direct Growth Plan<\/a><\/td>\n<td>24.51%<\/td>\n<td>Data not available<\/td>\n<td>Data not available<\/td>\n<\/tr>\n<tr>\n<td><a href=\"https:\/\/univest.in\/mutual-funds\/pgim-india-healthcare-fund-g-direct-plan\">PGIM India Healthcare Fund Direct Growth Plan<\/a><\/td>\n<td>22.75%<\/td>\n<td>Data not available<\/td>\n<td>Data not available<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>This assessment is prepared by Uniapps Investment Adviser Pvt. Ltd. under SEBI Registered Investment Adviser registration INA000017639. The fund\u2019s recent one-month return is modestly positive, but the peer funds shown here have much stronger one-year numbers where data is available. That makes the current fund look like a very early-stage proposition rather than a scheme with a proven return history.<\/p>\n<p>On the longer view, the current fund has no established 3-year or 5-year record yet, while ICICI Pru Strategic Metal and Energy Equity FoF shows a 3-year figure and the other peers listed here have at least a visible 1-year return. The short-term comparison and the longer-term comparison therefore tell different stories: the fund has held up slightly better than the benchmark in the short window, but it has not yet built the track record that would let us compare its compounding path with the more established peer funds.<\/p>\n<p class=\"mf-source-date\"><small>Source data date: as of 17 Sep 2026<\/small><\/p>\n<div class=\"univest-peer-login-cta\" style=\"margin:20px 0;padding:16px 18px;border:1px solid #d8e3f0;border-radius:8px;background:#f7faff\">\n<p style=\"margin:0\"><strong>Want to know more?<\/strong> <a href=\"https:\/\/univest.in\/user\/log-in\" style=\"font-weight:700;text-decoration:none\">Log in to Univest<\/a> for more mutual fund insights.<\/p>\n<\/div>\n<h2 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"Portfolio_where_your_money_goes\"><\/span>Portfolio: where your money goes<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<table>\n<thead>\n<tr>\n<th>Holding<\/th>\n<th>Sector<\/th>\n<th>Weight<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>TREPS \/ Reverse Repo Investments<\/td>\n<td>Cash &amp; Cash Equivalents and Net Assets<\/td>\n<td>32.88%<\/td>\n<\/tr>\n<tr>\n<td>HDB Financial Services Limited**<\/td>\n<td>Corporate Debt<\/td>\n<td>9.51%<\/td>\n<\/tr>\n<tr>\n<td>Tata Capital Housing Finance Limited<\/td>\n<td>Corporate Debt<\/td>\n<td>9.47%<\/td>\n<\/tr>\n<tr>\n<td>Bharti Telecom Limited**<\/td>\n<td>Corporate Debt<\/td>\n<td>9.37%<\/td>\n<\/tr>\n<tr>\n<td>Tata Capital Limited**<\/td>\n<td>Corporate Debt<\/td>\n<td>9.26%<\/td>\n<\/tr>\n<tr>\n<td>Jio Credit Limited<\/td>\n<td>Corporate Debt<\/td>\n<td>9.21%<\/td>\n<\/tr>\n<tr>\n<td>8.05% Gujarat SDL 31012028<\/td>\n<td>Government Securities<\/td>\n<td>9.09%<\/td>\n<\/tr>\n<tr>\n<td>Sundaram Finance Limited<\/td>\n<td>Corporate Debt<\/td>\n<td>8.96%<\/td>\n<\/tr>\n<tr>\n<td>Bajaj Finance Limited<\/td>\n<td>Corporate Debt<\/td>\n<td>8.9%<\/td>\n<\/tr>\n<tr>\n<td>Cholamandalam Investment and Finance Co Limited<\/td>\n<td>Corporate Debt<\/td>\n<td>4.8%<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>The largest holding, TREPS \/ Reverse Repo Investments, is 32.88% of the portfolio, so a meaningful portion of the scheme currently sits in cash-equivalent exposure. That may help reduce immediate volatility, but it also means the portfolio is not fully committed to credit exposure at this stage.<\/p>\n<p>The weight profile then steps down fairly gradually through a cluster of corporate debt positions. From the largest holding to the tenth holding, the drop is from 32.88% to 4.8%, which shows a clear tilt toward a few large positions rather than a very broad spread across small lines. The top ten disclosed holdings account for approximately 100% of the portfolio, and there are 12 total disclosed holdings, so the visible book is already highly concentrated within a relatively small set of names.<\/p>\n<p>That concentration may make the fund\u2019s path more dependent on the behaviour of a handful of issuers and debt instruments, especially because several of the largest positions sit in the same broad corporate-debt bucket. At the same time, the presence of government securities and cash-like exposure may contribute some balance. Overall, the portfolio looks compact and intentionally structured, with limited breadth across the disclosed holdings.<\/p>\n<p>To see all holdings, visit the <a href=\"https:\/\/univest.in\/mutual-funds\/dsp-financial-services-sectoral-debt-fund-g-direct-plan\">DSP Financial Services Sectoral Debt Fund Direct Growth Plan<\/a> page<\/p>\n<p class=\"mf-source-date\"><small>Source data date: as of 17 Sep 2026<\/small><\/p>\n<h2 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"Who_should_invest\"><\/span>Who should invest<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>This fund may suit investors who are comfortable with Medium Risk and are looking at a very new scheme rather than a long-established return profile. The current numbers show a small positive recent move, but the absence of a tested multi-year record means the investor has to accept a higher degree of uncertainty about how it behaves through different market conditions.<\/p>\n<p>A longer investment horizon would matter here because the fund has only just launched. Investors who can wait for the track record to build may find it easier to judge whether the portfolio\u2019s cash-heavy and debt-oriented structure translates into steady behaviour over time. The main trade-off is simple: you get a portfolio that currently looks restrained in the short term, but you must accept that the long-term evidence is still not in place.<\/p>\n<h2 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"Tax_and_exit_load\"><\/span>Tax and exit load<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<table>\n<thead>\n<tr>\n<th>Holding period<\/th>\n<th>Tax rate<\/th>\n<th>Description<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>Units held less than 1 year<\/td>\n<td>20%<\/td>\n<td>Short-term capital gains tax<\/td>\n<\/tr>\n<tr>\n<td>Units held more than 1 year<\/td>\n<td>12.5%<\/td>\n<td>Long-term capital gains tax<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p><strong>Exit load:<\/strong> No exit load.<\/p>\n<p class=\"mf-source-date\"><small>Source data date: as of 17 Sep 2026<\/small><\/p>\n<h2 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"Frequently_asked_questions\"><\/span>Frequently asked questions<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<h3 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"What_is_the_current_NAV_of_DSP_Financial_Services_Sectoral_Debt_Fund_Direct_Growth_Plan\"><\/span>What is the current NAV of DSP Financial Services Sectoral Debt Fund Direct Growth Plan?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>The current NAV is \u20b910.0392 as of 17 September 2026.<\/p>\n<h3 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"What_are_the_funds_1-year_3-year_and_5-year_returns\"><\/span>What are the fund\u2019s 1-year, 3-year and 5-year returns?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>The 1-year, 3-year and 5-year returns are 0%, 0% and 0%. The fund launched on 27 Aug 2026, so it does not yet have a long operating history.<\/p>\n<h3 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"How_does_the_fund_compare_with_Nifty_50\"><\/span>How does the fund compare with Nifty 50?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>It has done slightly better in the 1-month period, with 0.39% for the fund versus -3.66% for the benchmark. The longer-term comparison is still not meaningful because the scheme is very new.<\/p>\n<h3 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"How_does_it_compare_with_the_peer_funds_shown_here\"><\/span>How does it compare with the peer funds shown here?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>The peers shown here have much stronger 1-year figures where available, while this fund is still at the start of its track record. That makes the comparison more about early stability than about established compounding.<\/p>\n<h3 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"What_is_the_minimum_SIP_amount\"><\/span>What is the minimum SIP amount?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>The minimum SIP amount is \u20b9100.<\/p>\n<h3 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"What_risk_and_portfolio_features_stand_out\"><\/span>What risk and portfolio features stand out?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>The fund is tagged as Medium Risk and currently holds a large cash-equivalent position through TREPS \/ Reverse Repo Investments at 32.88%. The disclosed holdings also lean heavily toward corporate debt, and the exit load is nil.<\/p>\n<h2 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"Bottom_line\"><\/span>Bottom line<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>This fund\u2019s recent reading is modestly positive, but the longer-term return picture is still undeveloped because the scheme has only just launched. Against the benchmark, the short window looks better, while the peer comparison is less about relative standing and more about the fact that other funds already have visible one-year records. The portfolio is concentrated, with a large cash-equivalent holding and a heavy tilt to corporate debt, which may make the scheme feel steadier than a fully invested credit portfolio. It suits investors who can tolerate early-stage uncertainty and want time for the record to mature.<\/p>\n<p class=\"univest-posted-at\" style=\"font-size:14px;color:#666;margin:20px 0 8px\">Published on 18 September 2026 at 8:32 AM IST<\/p>\n<section class=\"univest-login-cta\" style=\"margin:28px 0;padding:24px;border-radius:10px;background:#eef5ff;border:1px solid #cddff7;text-align:center\">\n<h2 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"Explore_mutual_funds_with_Univest\"><\/span>Explore mutual funds with Univest<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Review mutual fund data, compare performance and explore fund insights on Univest.<\/p>\n<p><a href=\"https:\/\/univest.in\/user\/log-in\" style=\"display:inline-block;padding:11px 20px;border-radius:6px;background:#1f4e79;color:#fff !important;text-decoration:none;font-weight:700\">Explore Univest<\/a><\/p>\n<\/section>\n<section class=\"univest-disclaimer\">\n<h2 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"RIA_disclosure\"><\/span>RIA disclosure<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Mutual fund investments are subject to market risks. Read all scheme-related documents carefully before investing. This review is prepared by Uniapps Investment Adviser Pvt. Ltd. (earlier known as Uniapps Global Research Pvt. Ltd.) under SEBI Registered Investment Adviser registration INA000017639 for general informational purposes and is not personalized investment advice.<\/p>\n<\/section>\n<p><script type=\"application\/ld+json\">{\"@context\":\"https:\/\/schema.org\",\"@type\":\"InvestmentFund\",\"name\":\"DSP Financial Services Sectoral Debt Fund Direct Growth Plan\",\"identifier\":\"dsp-financial-services-sectoral-debt-fund-g-direct-plan\",\"category\":\"Equity\",\"dateCreated\":\"27 Aug 2026\",\"isAccessibleForFree\":true,\"additionalProperty\":[{\"@type\":\"PropertyValue\",\"name\":\"NAV\",\"value\":10.0392,\"valueReference\":\"as of 17 Sep 2026\"},{\"@type\":\"PropertyValue\",\"name\":\"AUM\",\"value\":\"563 Cr\"},{\"@type\":\"PropertyValue\",\"name\":\"Expense Ratio\",\"value\":\"0.0\"},{\"@type\":\"PropertyValue\",\"name\":\"Benchmark\",\"value\":\"Nifty 50\"},{\"@type\":\"PropertyValue\",\"name\":\"1Y Return\",\"value\":0},{\"@type\":\"PropertyValue\",\"name\":\"3Y Return\",\"value\":0},{\"@type\":\"PropertyValue\",\"name\":\"5Y Return\",\"value\":0},{\"@type\":\"PropertyValue\",\"name\":\"Fund Managers\",\"value\":\"Karan Mundhra, Kunal Khudania, Shalini Vasanta\"}]}<\/script><script type=\"application\/ld+json\">{\"@context\":\"https:\/\/schema.org\",\"@type\":\"FAQPage\",\"mainEntity\":[{\"@type\":\"Question\",\"name\":\"What is the current NAV of DSP Financial Services Sectoral Debt Fund Direct Growth Plan?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"The current NAV is \u20b910.0392 as of 17 September 2026.\"}},{\"@type\":\"Question\",\"name\":\"What are the fund\u2019s 1-year, 3-year and 5-year returns?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"The 1-year, 3-year and 5-year returns are 0%, 0% and 0%. The fund launched on 27 Aug 2026, so it does not yet have a long operating history.\"}},{\"@type\":\"Question\",\"name\":\"How does the fund compare with Nifty 50?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"It has done slightly better in the 1-month period, with 0.39% for the fund versus -3.66% for the benchmark. The longer-term comparison is still not meaningful because the scheme is very new.\"}},{\"@type\":\"Question\",\"name\":\"How does it compare with the peer funds shown here?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"The peers shown here have much stronger 1-year figures where available, while this fund is still at the start of its track record. That makes the comparison more about early stability than about established compounding.\"}},{\"@type\":\"Question\",\"name\":\"What is the minimum SIP amount?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"The minimum SIP amount is \u20b9100.\"}},{\"@type\":\"Question\",\"name\":\"What risk and portfolio features stand out?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"The fund is tagged as Medium Risk and currently holds a large cash-equivalent position through TREPS \/ Reverse Repo Investments at 32.88%. The disclosed holdings also lean heavily toward corporate debt, and the exit load is nil.\"}}]}<\/script><script type=\"application\/ld+json\">{\"@context\":\"https:\/\/schema.org\",\"@type\":\"Organization\",\"name\":\"Uniapps Investment Adviser Pvt. Ltd.\",\"description\":\"SEBI Registered Investment Adviser INA000017639\"}<\/script><\/p>\n","protected":false},"excerpt":{"rendered":"<p>DSP Financial Services Sectoral Debt Fund Direct Growth Plan has a NAV of \u20b910.0392 as of 17 September 2026, AUM of \u20b9563 Cr and Medium Risk tag. Its recent 1-month return is 0.39% versus -3.66% for Nifty 50.<\/p>\n","protected":false},"author":38,"featured_media":254477,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[3841],"tags":[],"class_list":["post-254478","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-mutual-funds"],"metadata":{"rank_math_internal_links_processed":["1"],"_thumbnail_id":["254477"],"rank_math_title":["DSP Financial Services Sectoral Debt Fund NAV Review"],"rank_math_description":["DSP Financial Services Sectoral Debt Fund Direct Growth Plan NAV is \u20b910.0392 as of 17 Sep 2026; 1M return is 0.39%."],"rank_math_focus_keyword":["DSP Financial Services Sectoral Debt Fund Direct Growth Plan review"],"rank_math_robots":["a:2:{i:0;s:7:\"noindex\";i:1;s:8:\"nofollow\";}"]},"jetpack_sharing_enabled":true,"jetpack_featured_media_url":"https:\/\/univest.in\/blogs-2\/wp-content\/uploads\/2026\/09\/DSP_Financial_Services_Sectoral_Debt_Fund_Direct_Growth_Review_2026_NAV_Returns_Portfolio_Should_You_Invest_neutral.png","_links":{"self":[{"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/posts\/254478","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/users\/38"}],"replies":[{"embeddable":true,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/comments?post=254478"}],"version-history":[{"count":0,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/posts\/254478\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/media\/254477"}],"wp:attachment":[{"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/media?parent=254478"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/categories?post=254478"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/tags?post=254478"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}