Previously Known As : Bandhan Banking & Psu Debt Fund
Bandhan Banking And Psu Fund Datagrid
Category Banking and PSU Fund
BMSMONEY Rank 6
Rating
Growth Option 12-06-2026
NAV ₹25.89(R) +0.13% ₹26.72(D) +0.13%
Returns 1Y 3Y 5Y 7Y 10Y
Lumpsum Regular 5.07% 6.79% 5.84% 6.81% 6.97%
Direct 5.38% 7.11% 6.16% 7.15% 7.26%
Benchmark
SIP (XIRR) Regular 5.52% 4.89% 5.92% 6.06% 6.41%
Direct 5.84% 5.21% 6.24% 6.38% 6.73%
Ratio Sharpe Ratio Sortino Ratio Sterling Ratio Jensen's Alpha Treynor Ratio
0.93 0.47 0.67 0.02% -0.72
Risk STD. Dev VaR 1Y95% Max DD Beta Semi Devi.
1.0% 0.0% -0.08% 0.65 0.71%
Fund AUM As on: 30/12/2025 12884 Cr
Top Banking and PSU Fund
Fund Name Rank Rating
UTI Banking & PSU Fund 1
Franklin India Banking & Psu Debt Fund 2
Kotak Banking And Psu Debt Fund 3
ICICI Prudential Banking & PSU Debt Fund 4

NAV Date: 12-06-2026

Scheme Name NAV Rupee Change Percent Change
BANDHAN Banking & PSU Debt Fund - Direct Daily IDCW 10.48
0.0100
0.0800%
BANDHAN Banking & PSU Debt Fund - Direct Monthly IDCW 10.55
0.0100
0.1300%
BANDHAN Banking & PSU Debt Fund - Direct Fortnightly IDCW 10.56
0.0100
0.1300%
BANDHAN Banking & PSU Debt Fund - Regular Fortnightly IDCW 10.71
0.0100
0.1300%
BANDHAN Banking & PSU Debt Fund - Regular Monthly IDCW 10.79
0.0100
0.1300%
BANDHAN Banking & PSU Debt Fund - Regular Daily IDCW 10.88
0.0100
0.0800%
BANDHAN Banking & PSU Debt Fund - Regular Quarterly IDCW 11.02
0.0100
0.1300%
BANDHAN Banking & PSU Debt Fund - Direct Quarterly IDCW 11.13
0.0100
0.1300%
BANDHAN Banking & PSU Debt Fund - Regular Annual IDCW 11.25
0.0100
0.1300%
BANDHAN Banking & PSU Debt Fund - Direct Annual IDCW 12.23
0.0200
0.1300%
BANDHAN Banking & PSU Debt Fund - Regular IDCW 13.98
0.0200
0.1300%
BANDHAN Banking & PSU Debt Fund - Direct IDCW 14.06
0.0200
0.1300%
BANDHAN Banking & PSU Debt Fund - Regular Growth 25.89
0.0300
0.1300%
BANDHAN Banking & PSU Debt Fund - Direct Growth 26.72
0.0300
0.1300%

Review Date: 12-06-2026

Beginning of Analysis

In the Banking and PSU Debt Fund category, Bandhan Banking and PSU Fund is the 14th ranked fund. The category has total 20 funds. The Bandhan Banking and PSU Fund has shown a poor past performence in Banking and PSU Debt Fund. The fund has a Jensen Alpha of 0.02% which is higher than the category average of -0.27%. Here the fund has shown very good performance in terms of risk adjusted returns. The fund has a Sharpe Ratio of 0.93 which is higher than the category average of 0.78.
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 and PSU Fund Return Analysis

  • The fund has given a return of 1.06%, 1.83 and 2.88 in last one, three and six months respectively. In the same period the category average return was 0.92%, 1.4% and 2.33% respectively.
  • Bandhan Banking and PSU Fund has given a return of 5.38% in last one year. In the same period the Banking and PSU Debt Fund category average return was 4.88%.
  • The fund has given a return of 7.11% in last three years and ranked 12.0th out of nineteen funds in the category. In the same period the Banking and PSU Debt Fund category average return was 7.13%.
  • The fund has given a return of 6.16% in last five years and ranked 10th out of seventeen funds in the category. In the same period the Banking and PSU Debt Fund category average return was 6.23%.
  • The fund has given a return of 7.26% in last ten years and ranked 8th out of fourteen funds in the category. In the same period the category average return was 7.22%.
  • The fund has given a SIP return of 5.84% in last one year whereas category average SIP return is 5.03%. The fund one year return rank in the category is 1st in 20 funds
  • The fund has SIP return of 5.21% in last three years and ranks 6th in 19 funds. Franklin India Banking & Psu Debt Fund has given the highest SIP return (5.44%) in the category in last three years.
  • The fund has SIP return of 6.24% in last five years whereas category average SIP return is 6.25%.

Bandhan Banking and PSU Fund Risk Analysis

  • The fund has a standard deviation of 1.0 and semi deviation of 0.71. The category average standard deviation is 1.29 and semi deviation is 0.93.
  • The fund has a Value at Risk (VaR) of 0.0 and a maximum drawdown of -0.08. The category average VaR is -0.33 and the maximum drawdown is -0.38. 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 % 1.03
    0.89
    		0.49 | 1.13 4 | 20 Very Good
    3M Return % 1.75
    1.31
    		1.02 | 1.75 1 | 20 Very Good
    6M Return % 2.73
    2.16
    		1.72 | 2.73 1 | 20 Very Good
    1Y Return % 5.07
    4.51
    		3.78 | 5.49 3 | 20 Very Good
    3Y Return % 6.79
    6.76
    		6.35 | 7.10 8 | 19 Good
    5Y Return % 5.84
    5.85
    		5.18 | 7.21 7 | 17 Good
    7Y Return % 6.81
    6.64
    		6.04 | 7.14 5 | 15 Good
    10Y Return % 6.97
    6.86
    		6.34 | 7.22 8 | 14 Good
    1Y SIP Return % 5.52
    4.66
    		3.90 | 5.52 1 | 20 Very Good
    3Y SIP Return % 4.89
    4.70
    		4.28 | 5.10 6 | 19 Good
    5Y SIP Return % 5.92
    5.87
    		5.48 | 6.57 6 | 17 Good
    7Y SIP Return % 6.06
    6.03
    		5.61 | 6.80 6 | 15 Good
    10Y SIP Return % 6.41
    6.22
    		5.79 | 6.52 3 | 14 Very Good
    Standard Deviation 1.00
    1.29
    		0.90 | 1.83 4 | 19 Very Good
    Semi Deviation 0.71
    0.93
    		0.61 | 1.35 4 | 19 Very Good
    Max Drawdown % -0.08
    -0.38
    		-0.91 | 0.00 3 | 19 Very Good
    VaR 1 Y % 0.00
    -0.33
    		-1.21 | 0.00 5 | 19 Very Good
    Average Drawdown % -0.05
    -0.17
    		-0.38 | 0.00 3 | 19 Very Good
    Sharpe Ratio 0.93
    0.78
    		0.45 | 1.28 6 | 19 Good
    Sterling Ratio 0.67
    0.66
    		0.61 | 0.71 6 | 19 Good
    Sortino Ratio 0.47
    0.38
    		0.19 | 0.79 5 | 19 Very Good
    Jensen Alpha % 0.02
    -0.27
    		-0.90 | 0.43 5 | 19 Very Good
    Treynor Ratio -0.72
    -0.57
    		-0.86 | -0.41 16 | 19 Poor
    Modigliani Square Measure % 7.09
    6.85
    		6.38 | 7.56 5 | 19 Very Good
    Alpha % -0.68
    -0.70
    		-1.19 | -0.25 7 | 19 Good
    Return data last Updated On : June 12, 2026.
    Other parameters, fund ranking, non return related analysis are updated after every month end. Last Updated On : March 30, 2026
    KPIs: Key Performance Indicators

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    KPIs* Fund Benchmark Cat. Avg Min | Max Rank (In Cat.) Performance
    1M Return % 1.06 0.92 0.52 | 1.16 4 | 20 Very Good
    3M Return % 1.83 1.40 1.13 | 1.83 1 | 20 Very Good
    6M Return % 2.88 2.33 1.88 | 2.88 1 | 20 Very Good
    1Y Return % 5.38 4.88 4.06 | 5.82 4 | 20 Very Good
    3Y Return % 7.11 7.13 6.68 | 7.48 12 | 19 Average
    5Y Return % 6.16 6.23 5.58 | 7.49 10 | 17 Good
    7Y Return % 7.15 7.01 6.33 | 7.49 7 | 15 Good
    10Y Return % 7.26 7.22 6.55 | 7.63 8 | 14 Good
    1Y SIP Return % 5.84 5.03 4.20 | 5.84 1 | 20 Very Good
    3Y SIP Return % 5.21 5.07 4.61 | 5.44 6 | 19 Good
    5Y SIP Return % 6.24 6.25 5.96 | 6.85 8 | 17 Good
    7Y SIP Return % 6.38 6.40 6.00 | 7.05 8 | 15 Good
    10Y SIP Return % 6.73 6.59 6.09 | 6.93 5 | 14 Good
    Standard Deviation 1.00 1.29 0.90 | 1.83 4 | 19 Very Good
    Semi Deviation 0.71 0.93 0.61 | 1.35 4 | 19 Very Good
    Max Drawdown % -0.08 -0.38 -0.91 | 0.00 3 | 19 Very Good
    VaR 1 Y % 0.00 -0.33 -1.21 | 0.00 5 | 19 Very Good
    Average Drawdown % -0.05 -0.17 -0.38 | 0.00 3 | 19 Very Good
    Sharpe Ratio 0.93 0.78 0.45 | 1.28 6 | 19 Good
    Sterling Ratio 0.67 0.66 0.61 | 0.71 6 | 19 Good
    Sortino Ratio 0.47 0.38 0.19 | 0.79 5 | 19 Very Good
    Jensen Alpha % 0.02 -0.27 -0.90 | 0.43 5 | 19 Very Good
    Treynor Ratio -0.72 -0.57 -0.86 | -0.41 16 | 19 Poor
    Modigliani Square Measure % 7.09 6.85 6.38 | 7.56 5 | 19 Very Good
    Alpha % -0.68 -0.70 -1.19 | -0.25 7 | 19 Good
    Return data last Updated On : June 12, 2026.
    Other parameters, fund ranking, non return related analysis are updated after every month end. Last Updated On : March 30, 2026
    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 And Psu Fund NAV Regular Growth Bandhan Banking And Psu Fund NAV Direct Growth
    12-06-2026 25.8915 26.7226
    11-06-2026 25.8588 26.6887
    10-06-2026 25.8801 26.7105
    09-06-2026 25.8646 26.6942
    08-06-2026 25.7986 26.6258
    05-06-2026 25.7432 26.568
    04-06-2026 25.6486 26.4702
    03-06-2026 25.6248 26.4454
    02-06-2026 25.6358 26.4566
    01-06-2026 25.6164 26.4363
    29-05-2026 25.6096 26.4286
    27-05-2026 25.5859 26.4037
    26-05-2026 25.5673 26.3843
    25-05-2026 25.5662 26.383
    22-05-2026 25.5282 26.3431
    21-05-2026 25.5124 26.3266
    20-05-2026 25.5342 26.3488
    19-05-2026 25.5461 26.361
    18-05-2026 25.5374 26.3517
    15-05-2026 25.5871 26.4023
    14-05-2026 25.6147 26.4306
    13-05-2026 25.6152 26.4309
    12-05-2026 25.6271 26.443

    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.