Franklin India Banking & Psu Debt Fund Overview
Category Banking and PSU Fund
BMSMONEY Rank 11
Rating
Growth Option 18-07-2025
NAV ₹22.62(R) +0.1% ₹23.64(D) +0.1%
Returns 1Y 3Y 5Y 7Y 10Y
Lumpsum Regular 8.82% 7.43% 5.78% 7.35% 7.32%
Direct 9.19% 7.79% 6.13% 7.71% 7.71%
Benchmark
SIP (XIRR) Regular -7.44% 2.42% 4.97% 5.98% 6.23%
Direct -7.13% 2.78% 5.33% 6.34% 6.6%
Ratio Sharpe Ratio Sortino Ratio Sterling Ratio Jensen's Alpha Treynor Ratio
1.65 0.99 0.72 1.71% 0.02
Risk STD. Dev VaR 1Y95% Max DD Beta Semi Devi.
0.97% 0.0% -0.23% 0.69 0.66%
Fund AUM As on: 30/06/2025 546 Cr
Top Banking and PSU Fund
Fund Name Rank Rating
ICICI Prudential Banking & PSU Debt Fund 1
Kotak Banking And Psu Debt Fund 2
Sundaram Banking & PSU Fund 3
Nippon India Banking & Psu Debt Fund 4

NAV Date: 18-07-2025

Scheme Name NAV Rupee Change Percent Change
Franklin India Banking and PSU Debt Fund - IDCW 10.91
0.0100
0.1000%
Franklin India Banking and PSU Debt Fund - Direct - IDCW 11.53
0.0100
0.1000%
Franklin India Banking & PSU Debt Fund - Growth 22.62
0.0200
0.1000%
Franklin India Banking & PSU Debt Fund - Direct - Growth 23.64
0.0200
0.1000%

Review Date: 18-07-2025

Beginning of Analysis

In the Banking and PSU Debt Fund category, Franklin India Banking & Psu Debt Fund is the 11th ranked fund. The category has total 19 funds. The Franklin India Banking & Psu Debt Fund has shown an average past performence in Banking and PSU Debt Fund. The fund has a Jensen Alpha of 1.71% which is higher than the category average of 1.44%. Here the fund has shown good performance in terms of risk adjusted returns. The fund has a Sharpe Ratio of 1.65 which is higher than the category average of 1.47.
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.

Franklin India Banking & Psu Debt Fund Return Analysis

  • The fund has given a return of 0.71%, 1.98 and 5.04 in last one, three and six months respectively. In the same period the category average return was 0.49%, 1.81% and 5.13% respectively.
  • Franklin India Banking & Psu Debt Fund has given a return of 9.19% in last one year. In the same period the Banking and PSU Debt Fund category average return was 9.29%.
  • The fund has given a return of 7.79% in last three years and ranked 12.0th out of 19 funds in the category. In the same period the Banking and PSU Debt Fund category average return was 7.86%.
  • The fund has given a return of 6.13% in last five years and ranked 10th out of 15 funds in the category. In the same period the Banking and PSU Debt Fund category average return was 6.26%.
  • The fund has given a return of 7.71% in last ten years and ranked 6th out of 14 funds in the category. In the same period the category average return was 7.59%.
  • The fund has given a SIP return of -7.13% in last one year whereas category average SIP return is -7.13%. The fund one year return rank in the category is 11th in 22 funds
  • The fund has SIP return of 2.78% in last three years and ranks 13th in 19 funds. Edelweiss Banking & PSU Debt Fund has given the highest SIP return (3.1%) in the category in last three years.
  • The fund has SIP return of 5.33% in last five years whereas category average SIP return is 5.47%.

Franklin India Banking & Psu Debt Fund Risk Analysis

  • The fund has a standard deviation of 0.97 and semi deviation of 0.66. The category average standard deviation is 1.14 and semi deviation is 0.75.
  • The fund has a Value at Risk (VaR) of 0.0 and a maximum drawdown of -0.23. The category average VaR is -0.02 and the maximum drawdown is -0.17. The fund has a beta of 0.72 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 % 0.69
    0.46
    		0.32 | 0.69 1 | 22 Very Good
    3M Return % 1.89
    1.72
    		1.41 | 2.04 3 | 22 Very Good
    6M Return % 4.87
    4.95
    		4.30 | 5.26 16 | 22 Average
    1Y Return % 8.82
    8.88
    		8.07 | 9.42 15 | 22 Average
    3Y Return % 7.43
    7.45
    		7.10 | 7.88 10 | 19 Good
    5Y Return % 5.78
    5.89
    		5.15 | 6.95 11 | 15 Average
    7Y Return % 7.35
    7.20
    		6.29 | 8.02 6 | 15 Good
    10Y Return % 7.32
    7.22
    		6.59 | 7.66 8 | 14 Good
    1Y SIP Return % -7.44
    -7.46
    		-8.37 | -7.05 14 | 22 Average
    3Y SIP Return % 2.42
    2.48
    		2.03 | 2.76 14 | 19 Average
    5Y SIP Return % 4.97
    5.09
    		4.67 | 5.98 9 | 15 Average
    7Y SIP Return % 5.98
    6.07
    		5.54 | 6.52 10 | 15 Average
    10Y SIP Return % 6.23
    6.19
    		5.69 | 6.49 9 | 14 Average
    Standard Deviation 0.97
    1.14
    		0.78 | 1.79 5 | 19 Very Good
    Semi Deviation 0.66
    0.75
    		0.49 | 1.27 5 | 19 Very Good
    Max Drawdown % -0.23
    -0.17
    		-0.68 | 0.00 15 | 19 Average
    VaR 1 Y % 0.00
    -0.02
    		-0.45 | 0.00 17 | 19 Poor
    Average Drawdown % -0.23
    -0.13
    		-0.56 | 0.00 16 | 19 Poor
    Sharpe Ratio 1.65
    1.47
    		1.10 | 2.53 4 | 19 Very Good
    Sterling Ratio 0.72
    0.73
    		0.71 | 0.78 11 | 19 Average
    Sortino Ratio 0.99
    1.01
    		0.63 | 2.60 9 | 19 Good
    Jensen Alpha % 1.71
    1.44
    		-1.88 | 3.82 10 | 19 Good
    Treynor Ratio 0.02
    0.02
    		0.02 | 0.04 8 | 19 Good
    Modigliani Square Measure % 8.87
    7.94
    		5.37 | 11.30 5 | 19 Very Good
    Alpha % -0.64
    -0.74
    		-1.06 | -0.23 7 | 19 Good
    Return data last Updated On : July 18, 2025.
    Other parameters, fund ranking, non return related analysis are updated after every month end. Last Updated On : June 30, 2025
    KPIs: Key Performance Indicators

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    KPIs* Fund Benchmark Cat. Avg Min | Max Rank (In Cat.) Performance
    1M Return % 0.71 0.49 0.35 | 0.71 1 | 22
    3M Return % 1.98 1.81 1.49 | 2.09 3 | 22
    6M Return % 5.04 5.13 4.42 | 5.46 18 | 22
    1Y Return % 9.19 9.29 8.39 | 9.83 14 | 22
    3Y Return % 7.79 7.86 7.51 | 8.27 12 | 19
    5Y Return % 6.13 6.26 5.55 | 7.18 10 | 15
    7Y Return % 7.71 7.58 6.48 | 8.36 8 | 15
    10Y Return % 7.71 7.59 6.87 | 8.02 6 | 14
    1Y SIP Return % -7.13 -7.13 -8.12 | -6.67 11 | 22
    3Y SIP Return % 2.78 2.88 2.60 | 3.10 13 | 19
    5Y SIP Return % 5.33 5.47 5.06 | 6.26 10 | 15
    7Y SIP Return % 6.34 6.45 5.89 | 6.87 10 | 15
    10Y SIP Return % 6.60 6.56 5.96 | 6.91 7 | 14
    Standard Deviation 0.97 1.14 0.78 | 1.79 5 | 19
    Semi Deviation 0.66 0.75 0.49 | 1.27 5 | 19
    Max Drawdown % -0.23 -0.17 -0.68 | 0.00 15 | 19
    VaR 1 Y % 0.00 -0.02 -0.45 | 0.00 17 | 19
    Average Drawdown % -0.23 -0.13 -0.56 | 0.00 16 | 19
    Sharpe Ratio 1.65 1.47 1.10 | 2.53 4 | 19
    Sterling Ratio 0.72 0.73 0.71 | 0.78 11 | 19
    Sortino Ratio 0.99 1.01 0.63 | 2.60 9 | 19
    Jensen Alpha % 1.71 1.44 -1.88 | 3.82 10 | 19
    Treynor Ratio 0.02 0.02 0.02 | 0.04 8 | 19
    Modigliani Square Measure % 8.87 7.94 5.37 | 11.30 5 | 19
    Alpha % -0.64 -0.74 -1.06 | -0.23 7 | 19
    Return data last Updated On : July 18, 2025.
    Other parameters, fund ranking, non return related analysis are updated after every month end. Last Updated On : June 30, 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 Franklin India Banking & Psu Debt Fund NAV Regular Growth Franklin India Banking & Psu Debt Fund NAV Direct Growth
    18-07-2025 22.6203 23.6351
    17-07-2025 22.5976 23.6111
    16-07-2025 22.5934 23.6065
    15-07-2025 22.588 23.6006
    14-07-2025 22.5875 23.5999
    11-07-2025 22.5652 23.576
    10-07-2025 22.5468 23.5565
    09-07-2025 22.5432 23.5525
    08-07-2025 22.5483 23.5577
    07-07-2025 22.5467 23.5558
    04-07-2025 22.5336 23.5414
    03-07-2025 22.5268 23.5341
    02-07-2025 22.5434 23.5512
    01-07-2025 22.5451 23.5528
    30-06-2025 22.5138 23.5198
    27-06-2025 22.4964 23.501
    26-06-2025 22.4945 23.4988
    25-06-2025 22.4962 23.5004
    24-06-2025 22.4924 23.4961
    23-06-2025 22.4797 23.4827
    20-06-2025 22.4757 23.4778
    19-06-2025 22.4548 23.4558
    18-06-2025 22.4662 23.4675

    Fund Launch Date: 02/Apr/2014
    Fund Category: Banking and PSU Fund
    Investment Objective: The fund seeks to provide regular income through a portfolio of debt and money m a r k e t i n s t r u m e n t s c o n s i s t i n g predominantly of securities issued by entities such as Banks, Public Sector Undertakings (PSUs) and Municipal bonds. However, there is no assurance or guarantee that the objective of the scheme will be achieved
    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: CRISIL Composite Bond Fund Index
    Source: Fund FactSheet

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