Previously Known As : Idfc Banking & Psu Debt Fund
Bandhan Banking & Psu Debt Fund Datagrid
Category Banking and PSU Fund
BMSMONEY Rank 13
Rating
Growth Option 27-01-2026
NAV ₹25.25(R) +0.05% ₹26.04(D) +0.06%
Returns 1Y 3Y 5Y 7Y 10Y
Lumpsum Regular 6.44% 6.98% 5.72% 7.09% 7.05%
Direct 6.76% 7.3% 6.05% 7.43% 7.35%
Benchmark
SIP (XIRR) Regular 4.87% 6.69% 6.35% 5.96% 6.59%
Direct 5.19% 7.01% 6.67% 6.29% 6.91%
Ratio Sharpe Ratio Sortino Ratio Sterling Ratio Jensen's Alpha Treynor Ratio
1.43 0.89 0.71 1.57% 0.02
Risk STD. Dev VaR 1Y95% Max DD Beta Semi Devi.
0.95% 0.0% -0.08% 0.7 0.64%
Fund AUM As on: 30/12/2025 12884 Cr
Top Banking and PSU Fund
Fund Name Rank Rating
Franklin India Banking & Psu Debt Fund 1
ICICI Prudential Banking & PSU Debt Fund 2
UTI Banking & PSU Fund 3
Kotak Banking And Psu Debt Fund 4
Sundaram Banking & PSU Fund 5

NAV Date: 27-01-2026

Scheme Name NAV Rupee Change Percent Change
BANDHAN Banking & PSU Debt Fund - Direct Monthly IDCW 10.42
0.0100
0.0600%
BANDHAN Banking & PSU Debt Fund - Direct Fortnightly IDCW 10.45
0.0100
0.0600%
BANDHAN Banking & PSU Debt Fund - Direct Daily IDCW 10.47
0.0100
0.0600%
BANDHAN Banking & PSU Debt Fund - Regular Fortnightly IDCW 10.61
0.0100
0.0500%
BANDHAN Banking & PSU Debt Fund - Regular Monthly IDCW 10.67
0.0100
0.0500%
BANDHAN Banking & PSU Debt Fund - Regular Quarterly IDCW 10.83
0.0100
0.0500%
BANDHAN Banking & PSU Debt Fund - Regular Daily IDCW 10.87
0.0100
0.0500%
BANDHAN Banking & PSU Debt Fund - Direct Quarterly IDCW 10.93
0.0100
0.0600%
BANDHAN Banking & PSU Debt Fund - Regular Annual IDCW 11.64
0.0100
0.0500%
BANDHAN Banking & PSU Debt Fund - Direct Annual IDCW 12.68
0.0100
0.0600%
BANDHAN Banking & PSU Debt Fund - Regular IDCW 13.64
0.0100
0.0500%
BANDHAN Banking & PSU Debt Fund - Direct IDCW 13.7
0.0100
0.0600%
BANDHAN Banking & PSU Debt Fund - Regular Growth 25.25
0.0100
0.0500%
BANDHAN Banking & PSU Debt Fund - Direct Growth 26.04
0.0100
0.0600%

Review Date: 27-01-2026

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 2 star rating shows a poor past performance of the Bandhan Banking & PSU Debt Fund in Banking and PSU Debt Fund. The fund has a Jensen Alpha of 1.57% which is higher than the category average of 0.77%. Here the fund has shown good performance in terms of risk adjusted returns. The fund has a Sharpe Ratio of 1.43 which is higher than the category average of 1.34.
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 0.01%, 0.73 and 1.98 in last one, three and six months respectively. In the same period the category average return was -0.04%, 0.66% and 1.98% respectively.
  • Bandhan Banking & PSU Debt Fund has given a return of 6.76% in last one year. In the same period the Banking and PSU Debt Fund category average return was 7.04%.
  • The fund has given a return of 7.3% in last three years and ranked 18.0th out of 20 funds in the category. In the same period the Banking and PSU Debt Fund category average return was 7.48%.
  • The fund has given a return of 6.05% in last five years and ranked 11th out of 17 funds in the category. In the same period the Banking and PSU Debt Fund category average return was 6.17%.
  • The fund has given a return of 7.35% in last ten years and ranked 9th out of 14 funds in the category. In the same period the category average return was 7.35%.
  • The fund has given a SIP return of 5.19% in last one year whereas category average SIP return is 5.28%. The fund one year return rank in the category is 14th in 21 funds
  • The fund has SIP return of 7.01% in last three years and ranks 18th in 20 funds. Franklin India Banking & Psu Debt Fund has given the highest SIP return (7.59%) in the category in last three years.
  • The fund has SIP return of 6.67% in last five years whereas category average SIP return is 6.88%.

Bandhan Banking & PSU Debt Fund Risk Analysis

  • The fund has a standard deviation of 0.95 and semi deviation of 0.64. The category average standard deviation is 1.14 and semi deviation is 0.77.
  • The fund has a Value at Risk (VaR) of 0.0 and a maximum drawdown of -0.08. The category average VaR is -0.05 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 % -0.01
    -0.07
    		-0.26 | 0.11 5 | 21 Very Good
    3M Return % 0.65
    0.57
    		0.19 | 1.06 7 | 21 Good
    6M Return % 1.82
    1.79
    		1.29 | 2.42 10 | 21 Good
    1Y Return % 6.44
    6.66
    		5.90 | 7.43 17 | 21 Average
    3Y Return % 6.98
    7.09
    		6.65 | 7.45 15 | 20 Average
    5Y Return % 5.72
    5.79
    		5.16 | 7.05 11 | 17 Average
    7Y Return % 7.09
    6.86
    		6.32 | 7.64 4 | 15 Very Good
    10Y Return % 7.05
    6.99
    		6.39 | 7.37 8 | 14 Good
    1Y SIP Return % 4.87
    4.90
    		3.96 | 6.02 10 | 21 Good
    3Y SIP Return % 6.69
    6.83
    		6.34 | 7.24 16 | 20 Poor
    5Y SIP Return % 6.35
    6.50
    		6.15 | 7.37 12 | 17 Average
    7Y SIP Return % 5.96
    6.04
    		5.59 | 6.75 9 | 15 Average
    10Y SIP Return % 6.59
    6.47
    		6.02 | 6.78 5 | 14 Good
    Standard Deviation 0.95
    1.14
    		0.82 | 1.59 5 | 20 Very Good
    Semi Deviation 0.64
    0.77
    		0.54 | 1.09 5 | 20 Very Good
    Max Drawdown % -0.08
    -0.13
    		-0.40 | 0.00 9 | 20 Good
    VaR 1 Y % 0.00
    -0.05
    		-0.45 | 0.00 15 | 20 Average
    Average Drawdown % -0.08
    -0.09
    		-0.25 | 0.00 9 | 20 Good
    Sharpe Ratio 1.43
    1.34
    		0.89 | 2.05 6 | 20 Good
    Sterling Ratio 0.71
    0.72
    		0.69 | 0.75 14 | 20 Average
    Sortino Ratio 0.89
    0.82
    		0.47 | 1.33 7 | 20 Good
    Jensen Alpha % 1.57
    0.77
    		-1.20 | 2.45 6 | 20 Good
    Modigliani Square Measure % 8.07
    7.17
    		5.23 | 9.22 5 | 20 Very Good
    Alpha % -0.76
    -0.67
    		-0.97 | -0.27 14 | 20 Average
    Return data last Updated On : Jan. 27, 2026.
    Other parameters, fund ranking, non return related analysis are updated after every month end. Last Updated On : Dec. 31, 2025
    KPIs: Key Performance Indicators

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    KPIs* Fund Benchmark Cat. Avg Min | Max Rank (In Cat.) Performance
    1M Return % 0.01 -0.04 -0.24 | 0.15 5 | 21 Very Good
    3M Return % 0.73 0.66 0.26 | 1.13 8 | 21 Good
    6M Return % 1.98 1.98 1.42 | 2.59 10 | 21 Good
    1Y Return % 6.76 7.04 6.20 | 7.78 18 | 21 Average
    3Y Return % 7.30 7.48 6.97 | 7.82 18 | 20 Poor
    5Y Return % 6.05 6.17 5.55 | 7.31 11 | 17 Average
    7Y Return % 7.43 7.24 6.57 | 7.98 6 | 15 Good
    10Y Return % 7.35 7.35 6.66 | 7.78 9 | 14 Average
    1Y SIP Return % 5.19 5.28 4.24 | 6.36 14 | 21 Average
    3Y SIP Return % 7.01 7.21 6.67 | 7.59 18 | 20 Poor
    5Y SIP Return % 6.67 6.88 6.61 | 7.64 13 | 17 Average
    7Y SIP Return % 6.29 6.40 5.96 | 6.99 9 | 15 Average
    10Y SIP Return % 6.91 6.84 6.31 | 7.19 7 | 14 Good
    Standard Deviation 0.95 1.14 0.82 | 1.59 5 | 20 Very Good
    Semi Deviation 0.64 0.77 0.54 | 1.09 5 | 20 Very Good
    Max Drawdown % -0.08 -0.13 -0.40 | 0.00 9 | 20 Good
    VaR 1 Y % 0.00 -0.05 -0.45 | 0.00 15 | 20 Average
    Average Drawdown % -0.08 -0.09 -0.25 | 0.00 9 | 20 Good
    Sharpe Ratio 1.43 1.34 0.89 | 2.05 6 | 20 Good
    Sterling Ratio 0.71 0.72 0.69 | 0.75 14 | 20 Average
    Sortino Ratio 0.89 0.82 0.47 | 1.33 7 | 20 Good
    Jensen Alpha % 1.57 0.77 -1.20 | 2.45 6 | 20 Good
    Modigliani Square Measure % 8.07 7.17 5.23 | 9.22 5 | 20 Very Good
    Alpha % -0.76 -0.67 -0.97 | -0.27 14 | 20 Average
    Return data last Updated On : Jan. 27, 2026.
    Other parameters, fund ranking, non return related analysis are updated after every month end. Last Updated On : Dec. 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
    27-01-2026 25.2547 26.0362
    23-01-2026 25.2415 26.0217
    22-01-2026 25.2369 26.0167
    21-01-2026 25.2182 25.9973
    20-01-2026 25.2168 25.9956
    19-01-2026 25.2197 25.9984
    16-01-2026 25.2288 26.0071
    14-01-2026 25.2462 26.0246
    13-01-2026 25.2586 26.0372
    12-01-2026 25.2757 26.0546
    09-01-2026 25.2607 26.0385
    08-01-2026 25.2647 26.0424
    07-01-2026 25.2599 26.0373
    06-01-2026 25.2643 26.0416
    05-01-2026 25.258 26.0349
    02-01-2026 25.2679 26.0444
    01-01-2026 25.2753 26.0519
    31-12-2025 25.2686 26.0447
    30-12-2025 25.2569 26.0324
    29-12-2025 25.2575 26.0329

    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.