Previously Known As : Idfc Banking & Psu Debt Fund
Bandhan Banking & Psu Debt Fund Datagrid
Category Banking and PSU Fund
BMSMONEY Rank 16
Rating
Growth Option 04-12-2025
NAV ₹25.22(R) -0.02% ₹25.99(D) -0.01%
Returns 1Y 3Y 5Y 7Y 10Y
Lumpsum Regular 7.23% 7.23% 5.68% 7.33% 7.15%
Direct 7.56% 7.55% 6.0% 7.66% 7.44%
Benchmark
SIP (XIRR) Regular 6.49% 7.27% 5.88% 6.28% 6.79%
Direct 6.81% 7.59% 6.2% 6.61% 7.11%
Ratio Sharpe Ratio Sortino Ratio Sterling Ratio Jensen's Alpha Treynor Ratio
1.61 1.01 0.72 1.63% 0.02
Risk STD. Dev VaR 1Y95% Max DD Beta Semi Devi.
0.92% 0.0% -0.08% 0.68 0.62%
Fund AUM As on: 30/06/2025 13534 Cr
Top Banking and PSU Fund
Fund Name Rank Rating
Franklin India Banking & Psu Debt Fund 1
UTI Banking & PSU Fund 2
ICICI Prudential Banking & PSU Debt Fund 3
Sundaram Banking & PSU Fund 4

NAV Date: 04-12-2025

Scheme Name NAV Rupee Change Percent Change
BANDHAN Banking & PSU Debt Fund - Direct Monthly IDCW 10.42
0.0000
-0.0100%
BANDHAN Banking & PSU Debt Fund - Direct Fortnightly IDCW 10.45
-0.0300
-0.2500%
BANDHAN Banking & PSU Debt Fund - Direct Daily IDCW 10.48
0.0000
-0.0100%
BANDHAN Banking & PSU Debt Fund - Regular Fortnightly IDCW 10.61
-0.0200
-0.2300%
BANDHAN Banking & PSU Debt Fund - Regular Monthly IDCW 10.67
0.0000
-0.0100%
BANDHAN Banking & PSU Debt Fund - Regular Daily IDCW 10.88
0.0000
-0.0100%
BANDHAN Banking & PSU Debt Fund - Regular Quarterly IDCW 10.93
0.0000
-0.0200%
BANDHAN Banking & PSU Debt Fund - Direct Quarterly IDCW 11.04
0.0000
-0.0100%
BANDHAN Banking & PSU Debt Fund - Regular Annual IDCW 11.62
0.0000
-0.0100%
BANDHAN Banking & PSU Debt Fund - Direct Annual IDCW 12.65
0.0000
-0.0100%
BANDHAN Banking & PSU Debt Fund - Regular IDCW 13.62
0.0000
-0.0200%
BANDHAN Banking & PSU Debt Fund - Direct IDCW 13.67
0.0000
-0.0100%
BANDHAN Banking & PSU Debt Fund - Regular Growth 25.22
0.0000
-0.0200%
BANDHAN Banking & PSU Debt Fund - Direct Growth 25.99
0.0000
-0.0100%

Review Date: 04-12-2025

Beginning of Analysis

In the Banking and PSU Debt Fund category, Bandhan Banking & PSU Debt Fund is the 14th ranked fund. The category has total 20 funds. The Bandhan Banking & PSU Debt Fund has shown a poor past performence in Banking and PSU Debt Fund. The fund has a Jensen Alpha of 1.63% which is higher than the category average of 0.69%. Here the fund has shown very good performance in terms of risk adjusted returns. The fund has a Sharpe Ratio of 1.61 which is higher than the category average of 1.52.
The past performance of the fund may or may not be sustained in the future. The review is not investment advice nor is it a recommendation to buy or sell funds. The ranking is based on proprietary methodology developed by bmsmoney. The methodology is based on the past performance of the funds and does not guarantee future performance.
Banking and PSU Debt Mutual Funds are a category of debt mutual funds that invest primarily in debt instruments issued by banks, public sector undertakings (PSUs), and public financial institutions. These funds must allocate a minimum of 80% of their total assets in debt securities issued by these entities. Banking and PSU Debt Mutual Funds are ideal for conservative investors seeking stable returns with relatively lower risk. However, they may not be suitable for those looking for higher returns or willing to take on more risk. Investors should also consider their investment horizon and tax implications before investing in these funds.

Bandhan Banking & PSU Debt Fund Return Analysis

  • The fund has given a return of 0.41%, 1.59 and 2.45 in last one, three and six months respectively. In the same period the category average return was 0.42%, 1.85% and 2.44% respectively.
  • Bandhan Banking & PSU Debt Fund has given a return of 7.56% in last one year. In the same period the Banking and PSU Debt Fund category average return was 7.9%.
  • The fund has given a return of 7.55% in last three years and ranked 17.0th out of 20 funds in the category. In the same period the Banking and PSU Debt Fund category average return was 7.71%.
  • The fund has given a return of 6.0% in last five years and ranked 12th out of 17 funds in the category. In the same period the Banking and PSU Debt Fund category average return was 6.19%.
  • The fund has given a return of 7.44% in last ten years and ranked 10th out of 14 funds in the category. In the same period the category average return was 7.46%.
  • The fund has given a SIP return of 6.81% in last one year whereas category average SIP return is 7.22%. The fund one year return rank in the category is 18th in 21 funds
  • The fund has SIP return of 7.59% in last three years and ranks 19th in 20 funds. Kotak Banking And Psu Debt Fund has given the highest SIP return (8.23%) in the category in last three years.
  • The fund has SIP return of 6.2% in last five years whereas category average SIP return is 6.46%.

Bandhan Banking & PSU Debt Fund Risk Analysis

  • The fund has a standard deviation of 0.92 and semi deviation of 0.62. The category average standard deviation is 1.11 and semi deviation is 0.75.
  • The fund has a Value at Risk (VaR) of 0.0 and a maximum drawdown of -0.08. The category average VaR is -0.04 and the maximum drawdown is -0.13. The fund has a beta of 0.61 which shows that fund is less volatile than the benchmark.

Standard deviation measures the fund's return volatility and Semi deviation focuses on downside volatility. Value at Risk (VaR) is a measure of the risk of investments. Maximum Drawdown is the maximum loss from a peak to a trough of a portfolio. Beta measures the volatility of the fund compared to the benchmark. A beta of 1 indicates that the fund will move in line with the benchmark. A beta of more than 1 indicates that the fund will be more volatile than the benchmark and vice versa.


  • Very Good Performance in Banking and PSU Debt Fund Category
  • Good Performance in Banking and PSU Debt Fund Category
  • Poor Performance in Banking and PSU Debt Fund Category
  • Very Poor Performance in Banking and PSU Debt Fund Category

    • Investors beware: Mutual Fund investments are subject to market risks. Please read the scheme related documents carefully.

    Data Source: www.amfiindia.com

    SEBI Categorization


    KPIs* Fund Benchmark Cat. Avg Min | Max Rank (In Cat.) Performance
    1M Return % 0.38
    0.39
    		0.30 | 0.64 10 | 21 Good
    3M Return % 1.51
    1.76
    		1.41 | 2.13 20 | 21 Poor
    6M Return % 2.29
    2.25
    		1.63 | 2.76 10 | 21 Good
    1Y Return % 7.23
    7.50
    		6.91 | 7.88 17 | 21 Average
    3Y Return % 7.23
    7.32
    		6.94 | 7.62 15 | 20 Average
    5Y Return % 5.68
    5.80
    		5.20 | 6.99 13 | 17 Average
    7Y Return % 7.33
    7.06
    		6.21 | 7.91 3 | 15 Very Good
    10Y Return % 7.15
    7.09
    		6.45 | 7.47 9 | 14 Average
    1Y SIP Return % 6.49
    6.83
    		6.10 | 7.42 17 | 21 Average
    3Y SIP Return % 7.27
    7.49
    		7.09 | 7.82 17 | 20 Poor
    5Y SIP Return % 5.88
    6.09
    		5.75 | 6.88 14 | 17 Average
    7Y SIP Return % 6.28
    6.36
    		5.88 | 6.93 10 | 15 Average
    10Y SIP Return % 6.79
    6.68
    		6.21 | 7.00 6 | 14 Good
    Standard Deviation 0.92
    1.11
    		0.77 | 1.59 5 | 19 Very Good
    Semi Deviation 0.62
    0.75
    		0.50 | 1.09 5 | 19 Very Good
    Max Drawdown % -0.08
    -0.13
    		-0.40 | 0.00 8 | 19 Good
    VaR 1 Y % 0.00
    -0.04
    		-0.45 | 0.00 17 | 19 Poor
    Average Drawdown % -0.08
    -0.10
    		-0.25 | 0.00 8 | 19 Good
    Sharpe Ratio 1.61
    1.52
    		1.14 | 2.06 7 | 19 Good
    Sterling Ratio 0.72
    0.74
    		0.71 | 0.76 16 | 19 Poor
    Sortino Ratio 1.01
    0.97
    		0.62 | 1.36 8 | 19 Good
    Jensen Alpha % 1.63
    0.69
    		-1.63 | 2.80 5 | 19 Very Good
    Treynor Ratio 0.02
    0.02
    		0.02 | 0.03 7 | 19 Good
    Modigliani Square Measure % 8.15
    7.22
    		5.22 | 9.43 5 | 19 Very Good
    Alpha % -0.90
    -0.74
    		-1.01 | -0.48 15 | 19 Average
    Return data last Updated On : Dec. 4, 2025.
    Other parameters, fund ranking, non return related analysis are updated after every month end. Last Updated On : Oct. 31, 2025
    KPIs: Key Performance Indicators

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    KPIs* Fund Benchmark Cat. Avg Min | Max Rank (In Cat.) Performance
    1M Return % 0.41 0.42 0.32 | 0.67 10 | 21 Good
    3M Return % 1.59 1.85 1.55 | 2.22 20 | 21 Poor
    6M Return % 2.45 2.44 1.76 | 2.93 11 | 21 Good
    1Y Return % 7.56 7.90 7.23 | 8.26 19 | 21 Poor
    3Y Return % 7.55 7.71 7.26 | 7.99 17 | 20 Poor
    5Y Return % 6.00 6.19 5.60 | 7.24 12 | 17 Average
    7Y Return % 7.66 7.44 6.40 | 8.25 6 | 15 Good
    10Y Return % 7.44 7.46 6.77 | 7.84 10 | 14 Average
    1Y SIP Return % 6.81 7.22 6.40 | 7.80 18 | 21 Average
    3Y SIP Return % 7.59 7.88 7.41 | 8.23 19 | 20 Poor
    5Y SIP Return % 6.20 6.46 6.16 | 7.15 16 | 17 Poor
    7Y SIP Return % 6.61 6.73 6.26 | 7.17 9 | 15 Average
    10Y SIP Return % 7.11 7.05 6.51 | 7.42 7 | 14 Good
    Standard Deviation 0.92 1.11 0.77 | 1.59 5 | 19 Very Good
    Semi Deviation 0.62 0.75 0.50 | 1.09 5 | 19 Very Good
    Max Drawdown % -0.08 -0.13 -0.40 | 0.00 8 | 19 Good
    VaR 1 Y % 0.00 -0.04 -0.45 | 0.00 17 | 19 Poor
    Average Drawdown % -0.08 -0.10 -0.25 | 0.00 8 | 19 Good
    Sharpe Ratio 1.61 1.52 1.14 | 2.06 7 | 19 Good
    Sterling Ratio 0.72 0.74 0.71 | 0.76 16 | 19 Poor
    Sortino Ratio 1.01 0.97 0.62 | 1.36 8 | 19 Good
    Jensen Alpha % 1.63 0.69 -1.63 | 2.80 5 | 19 Very Good
    Treynor Ratio 0.02 0.02 0.02 | 0.03 7 | 19 Good
    Modigliani Square Measure % 8.15 7.22 5.22 | 9.43 5 | 19 Very Good
    Alpha % -0.90 -0.74 -1.01 | -0.48 15 | 19 Average
    Return data last Updated On : Dec. 4, 2025.
    Other parameters, fund ranking, non return related analysis are updated after every month end. Last Updated On : Oct. 31, 2025
    KPIs: Key Performance Indicators

    Disclaimer: Past performance may or may not be sustained in future and should not be used as a basis for comparison with other investments. Returns for periods above 1 year are annualised.


    Date Bandhan Banking & Psu Debt Fund NAV Regular Growth Bandhan Banking & Psu Debt Fund NAV Direct Growth
    04-12-2025 25.2222 25.991
    03-12-2025 25.2237 25.9924
    02-12-2025 25.226 25.9945
    01-12-2025 25.2145 25.9825
    28-11-2025 25.2166 25.9841
    27-11-2025 25.2203 25.9876
    26-11-2025 25.2196 25.9866
    25-11-2025 25.2071 25.9736
    24-11-2025 25.1934 25.9593
    21-11-2025 25.1808 25.9456
    20-11-2025 25.1815 25.9461
    19-11-2025 25.1778 25.9422
    18-11-2025 25.1709 25.9348
    17-11-2025 25.168 25.9316
    14-11-2025 25.1612 25.924
    13-11-2025 25.165 25.9276
    12-11-2025 25.1674 25.9299
    11-11-2025 25.1591 25.9212
    10-11-2025 25.1594 25.9212
    07-11-2025 25.1436 25.9043
    06-11-2025 25.1399 25.9003
    04-11-2025 25.1261 25.8857

    Fund Launch Date: 26/Feb/2013
    Fund Category: Banking and PSU Fund
    Investment Objective: The Scheme seeks to generate returns through investments in debt and money market instruments predominantly issued by entities such asBanks, Public Sector Undertakings (PSUs) and Public Financial Institutions(PFIs)
    Fund Description: An open ended debt scheme predominantly investing in debt instruments of banks,Public Sector Undertakings, Public Financial Institutions and Municipal Bonds
    Fund Benchmark: NIFTY Banking & PSU Debt Index
    Source: Fund FactSheet

    Disclaimer: NO INVESTMENT ADVICE. The Content is for informational purposes only.