Franklin India Banking & Psu Debt Fund Datagrid
Category Banking and PSU Fund
BMSMONEY Rank 1
Rating
Growth Option 04-12-2025
NAV ₹23.11(R) -0.1% ₹24.17(D) -0.1%
Returns 1Y 3Y 5Y 7Y 10Y
Lumpsum Regular 7.8% 7.43% 5.83% 7.19% 7.23%
Direct 8.17% 7.79% 6.18% 7.55% 7.61%
Benchmark
SIP (XIRR) Regular 7.4% 7.67% 6.13% 6.33% 6.77%
Direct 7.75% 8.03% 6.48% 6.68% 7.13%
Ratio Sharpe Ratio Sortino Ratio Sterling Ratio Jensen's Alpha Treynor Ratio
1.94 1.36 0.75 1.88% 0.03
Risk STD. Dev VaR 1Y95% Max DD Beta Semi Devi.
0.91% 0.0% -0.04% 0.69 0.6%
Fund AUM As on: 30/06/2025 546 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
Franklin India Banking and PSU Debt Fund - IDCW 10.99
-0.0100
-0.1000%
Franklin India Banking and PSU Debt Fund - Direct - IDCW 11.63
-0.0100
-0.0900%
Franklin India Banking & PSU Debt Fund - Growth 23.11
-0.0200
-0.1000%
Franklin India Banking & PSU Debt Fund - Direct - Growth 24.17
-0.0200
-0.1000%

Review Date: 04-12-2025

Beginning of Analysis

Franklin India Banking & Psu Debt Fund is the second ranked fund in the Banking and PSU Debt Fund category. The category has total 20 funds. The 5 star rating shows an excellent past performance of the Franklin India Banking & Psu Debt Fund in Banking and PSU Debt Fund. The fund has a Jensen Alpha of 1.88% 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 1.94 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.

Franklin India Banking & Psu Debt Fund Return Analysis

  • The fund has given a return of 0.35%, 2.03 and 2.93 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.
  • Franklin India Banking & Psu Debt Fund has given a return of 8.17% 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 7.79% in last three years and ranked 8.0th 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 6.18% in last five years and ranked 9th 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 7.61% in last ten years and ranked 6th 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 7.75% in last one year whereas category average SIP return is 7.22%. The fund one year return rank in the category is 2nd in 21 funds
  • The fund has SIP return of 8.03% in last three years and ranks 5th 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 6.48% in last five years whereas category average SIP return is 6.46%.

Franklin India Banking & Psu Debt Fund Risk Analysis

  • The fund has a standard deviation of 0.91 and semi deviation of 0.6. 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 -0.04. The category average VaR is -0.04 and the maximum drawdown is -0.13. The fund has a beta of 0.75 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 % 0.33
    0.39
    		0.30 | 0.64 19 | 21 Poor
    3M Return % 1.95
    1.76
    		1.41 | 2.13 2 | 21 Very Good
    6M Return % 2.76
    2.25
    		1.63 | 2.76 1 | 21 Very Good
    1Y Return % 7.80
    7.50
    		6.91 | 7.88 4 | 21 Very Good
    3Y Return % 7.43
    7.32
    		6.94 | 7.62 6 | 20 Good
    5Y Return % 5.83
    5.80
    		5.20 | 6.99 7 | 17 Good
    7Y Return % 7.19
    7.06
    		6.21 | 7.91 8 | 15 Good
    10Y Return % 7.23
    7.09
    		6.45 | 7.47 6 | 14 Good
    1Y SIP Return % 7.40
    6.83
    		6.10 | 7.42 2 | 21 Very Good
    3Y SIP Return % 7.67
    7.49
    		7.09 | 7.82 4 | 20 Very Good
    5Y SIP Return % 6.13
    6.09
    		5.75 | 6.88 7 | 17 Good
    7Y SIP Return % 6.33
    6.36
    		5.88 | 6.93 8 | 15 Good
    10Y SIP Return % 6.77
    6.68
    		6.21 | 7.00 7 | 14 Good
    Standard Deviation 0.91
    1.11
    		0.77 | 1.59 4 | 19 Very Good
    Semi Deviation 0.60
    0.75
    		0.50 | 1.09 4 | 19 Very Good
    Max Drawdown % -0.04
    -0.13
    		-0.40 | 0.00 6 | 19 Good
    VaR 1 Y % 0.00
    -0.04
    		-0.45 | 0.00 17 | 19 Poor
    Average Drawdown % -0.04
    -0.10
    		-0.25 | 0.00 6 | 19 Good
    Sharpe Ratio 1.94
    1.52
    		1.14 | 2.06 2 | 19 Very Good
    Sterling Ratio 0.75
    0.74
    		0.71 | 0.76 4 | 19 Very Good
    Sortino Ratio 1.36
    0.97
    		0.62 | 1.36 1 | 19 Very Good
    Jensen Alpha % 1.88
    0.69
    		-1.63 | 2.80 4 | 19 Very Good
    Treynor Ratio 0.03
    0.02
    		0.02 | 0.03 3 | 19 Very Good
    Modigliani Square Measure % 8.61
    7.22
    		5.22 | 9.43 4 | 19 Very Good
    Alpha % -0.50
    -0.74
    		-1.01 | -0.48 2 | 19 Very Good
    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

    Rotate the phone! Best viewed in landscape mode on mobile.
    KPIs* Fund Benchmark Cat. Avg Min | Max Rank (In Cat.) Performance
    1M Return % 0.35 0.42 0.32 | 0.67 20 | 21 Poor
    3M Return % 2.03 1.85 1.55 | 2.22 3 | 21 Very Good
    6M Return % 2.93 2.44 1.76 | 2.93 1 | 21 Very Good
    1Y Return % 8.17 7.90 7.23 | 8.26 5 | 21 Very Good
    3Y Return % 7.79 7.71 7.26 | 7.99 8 | 20 Good
    5Y Return % 6.18 6.19 5.60 | 7.24 9 | 17 Good
    7Y Return % 7.55 7.44 6.40 | 8.25 8 | 15 Good
    10Y Return % 7.61 7.46 6.77 | 7.84 6 | 14 Good
    1Y SIP Return % 7.75 7.22 6.40 | 7.80 2 | 21 Very Good
    3Y SIP Return % 8.03 7.88 7.41 | 8.23 5 | 20 Very Good
    5Y SIP Return % 6.48 6.46 6.16 | 7.15 8 | 17 Good
    7Y SIP Return % 6.68 6.73 6.26 | 7.17 8 | 15 Good
    10Y SIP Return % 7.13 7.05 6.51 | 7.42 6 | 14 Good
    Standard Deviation 0.91 1.11 0.77 | 1.59 4 | 19 Very Good
    Semi Deviation 0.60 0.75 0.50 | 1.09 4 | 19 Very Good
    Max Drawdown % -0.04 -0.13 -0.40 | 0.00 6 | 19 Good
    VaR 1 Y % 0.00 -0.04 -0.45 | 0.00 17 | 19 Poor
    Average Drawdown % -0.04 -0.10 -0.25 | 0.00 6 | 19 Good
    Sharpe Ratio 1.94 1.52 1.14 | 2.06 2 | 19 Very Good
    Sterling Ratio 0.75 0.74 0.71 | 0.76 4 | 19 Very Good
    Sortino Ratio 1.36 0.97 0.62 | 1.36 1 | 19 Very Good
    Jensen Alpha % 1.88 0.69 -1.63 | 2.80 4 | 19 Very Good
    Treynor Ratio 0.03 0.02 0.02 | 0.03 3 | 19 Very Good
    Modigliani Square Measure % 8.61 7.22 5.22 | 9.43 4 | 19 Very Good
    Alpha % -0.50 -0.74 -1.01 | -0.48 2 | 19 Very Good
    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 Franklin India Banking & Psu Debt Fund NAV Regular Growth Franklin India Banking & Psu Debt Fund NAV Direct Growth
    04-12-2025 23.1059 24.1723
    03-12-2025 23.1336 24.201
    02-12-2025 23.1283 24.1953
    01-12-2025 23.1239 24.1905
    28-11-2025 23.1181 24.1838
    27-11-2025 23.1185 24.1841
    26-11-2025 23.1158 24.181
    25-11-2025 23.1021 24.1665
    24-11-2025 23.1008 24.1649
    21-11-2025 23.082 24.1447
    20-11-2025 23.0832 24.1457
    19-11-2025 23.0701 24.1318
    18-11-2025 23.0618 24.1229
    17-11-2025 23.0738 24.1352
    14-11-2025 23.0605 24.1207
    13-11-2025 23.0394 24.0984
    12-11-2025 23.0459 24.105
    11-11-2025 23.0597 24.1192
    10-11-2025 23.0436 24.1022
    07-11-2025 23.0254 24.0825
    06-11-2025 23.0136 24.07
    04-11-2025 23.0302 24.0869

    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.