Iti Banking & Psu Debt Fund Datagrid
Category Banking and PSU Fund
BMSMONEY Rank 17
Rating
Growth Option 27-01-2026
NAV ₹13.37(R) +0.04% ₹13.76(D) +0.04%
Returns 1Y 3Y 5Y 7Y 10Y
Lumpsum Regular 6.33% 6.79% 5.83% -% -%
Direct 6.91% 7.38% 6.42% -% -%
Benchmark
SIP (XIRR) Regular 4.89% 6.58% 6.32% -% -%
Direct 5.47% 7.18% 6.9% -% -%
Ratio Sharpe Ratio Sortino Ratio Sterling Ratio Jensen's Alpha Treynor Ratio
1.4 0.92 0.69 2.45% 0.02
Risk STD. Dev VaR 1Y95% Max DD Beta Semi Devi.
0.82% 0.0% 0.0% 0.54 0.54%
Fund AUM As on: 30/12/2025 38 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
ITI Banking & PSU Debt Fund - Regular Plan - IDCW Option 13.37
0.0000
0.0300%
ITI Banking & PSU Debt Fund - Regular Plan - Growth Option 13.37
0.0000
0.0400%
ITI Banking & PSU Debt Fund - Direct Plan - Growth Option 13.76
0.0100
0.0400%
ITI Banking & PSU Debt Fund - Direct Plan - IDCW Option 13.76
0.0100
0.0400%

Review Date: 27-01-2026

Beginning of Analysis

ITI Banking & PSU Debt Fund is the 15th ranked fund in the Banking and PSU Debt Fund category. The category has total 20 funds. The 2 star rating shows a poor past performance of the ITI Banking & PSU Debt Fund in Banking and PSU Debt Fund. The fund has a Jensen Alpha of 2.45% which is higher than the category average of 0.77%. Here the fund has shown very good performance in terms of risk adjusted returns. The fund has a Sharpe Ratio of 1.4 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.

ITI Banking & PSU Debt Fund Return Analysis

  • The fund has given a return of 0.15%, 0.81 and 2.22 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.
  • ITI Banking & PSU Debt Fund has given a return of 6.91% 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 7.38% in last three years and ranked 15.0th 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 6.42% in last five years and ranked 3rd 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 SIP return of 5.47% in last one year whereas category average SIP return is 5.28%. The fund one year return rank in the category is 6th in 21 funds
  • The fund has SIP return of 7.18% in last three years and ranks 11th 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 6.9% in last five years whereas category average SIP return is 6.88%.

ITI Banking & PSU Debt Fund Risk Analysis

  • The fund has a standard deviation of 0.82 and semi deviation of 0.54. 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 0.0. The category average VaR is -0.05 and the maximum drawdown is -0.13. The fund has a beta of 0.51 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 % 0.11
    -0.07
    		-0.26 | 0.11 2 | 21 Very Good
    3M Return % 0.68
    0.57
    		0.19 | 1.06 6 | 21 Very Good
    6M Return % 1.94
    1.79
    		1.29 | 2.42 6 | 21 Very Good
    1Y Return % 6.33
    6.66
    		5.90 | 7.43 18 | 21 Average
    3Y Return % 6.79
    7.09
    		6.65 | 7.45 19 | 20 Poor
    5Y Return % 5.83
    5.79
    		5.16 | 7.05 6 | 17 Good
    1Y SIP Return % 4.89
    4.90
    		3.96 | 6.02 9 | 21 Good
    3Y SIP Return % 6.58
    6.83
    		6.34 | 7.24 18 | 20 Poor
    5Y SIP Return % 6.32
    6.50
    		6.15 | 7.37 15 | 17 Average
    Standard Deviation 0.82
    1.14
    		0.82 | 1.59 1 | 20 Very Good
    Semi Deviation 0.54
    0.77
    		0.54 | 1.09 1 | 20 Very Good
    Max Drawdown % 0.00
    -0.13
    		-0.40 | 0.00 2 | 20 Very Good
    VaR 1 Y % 0.00
    -0.05
    		-0.45 | 0.00 15 | 20 Average
    Average Drawdown % 0.00
    -0.09
    		-0.25 | 0.00 2 | 20 Very Good
    Sharpe Ratio 1.40
    1.34
    		0.89 | 2.05 7 | 20 Good
    Sterling Ratio 0.69
    0.72
    		0.69 | 0.75 19 | 20 Poor
    Sortino Ratio 0.92
    0.82
    		0.47 | 1.33 6 | 20 Good
    Jensen Alpha % 2.45
    0.77
    		-1.20 | 2.45 1 | 20 Very Good
    Modigliani Square Measure % 9.01
    7.17
    		5.23 | 9.22 2 | 20 Very Good
    Alpha % -0.88
    -0.67
    		-0.97 | -0.27 18 | 20 Poor
    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 % 0.15 -0.04 -0.24 | 0.15 1 | 21 Very Good
    3M Return % 0.81 0.66 0.26 | 1.13 6 | 21 Very Good
    6M Return % 2.22 1.98 1.42 | 2.59 6 | 21 Very Good
    1Y Return % 6.91 7.04 6.20 | 7.78 14 | 21 Average
    3Y Return % 7.38 7.48 6.97 | 7.82 15 | 20 Average
    5Y Return % 6.42 6.17 5.55 | 7.31 3 | 17 Very Good
    1Y SIP Return % 5.47 5.28 4.24 | 6.36 6 | 21 Very Good
    3Y SIP Return % 7.18 7.21 6.67 | 7.59 11 | 20 Average
    5Y SIP Return % 6.90 6.88 6.61 | 7.64 6 | 17 Good
    Standard Deviation 0.82 1.14 0.82 | 1.59 1 | 20 Very Good
    Semi Deviation 0.54 0.77 0.54 | 1.09 1 | 20 Very Good
    Max Drawdown % 0.00 -0.13 -0.40 | 0.00 2 | 20 Very Good
    VaR 1 Y % 0.00 -0.05 -0.45 | 0.00 15 | 20 Average
    Average Drawdown % 0.00 -0.09 -0.25 | 0.00 2 | 20 Very Good
    Sharpe Ratio 1.40 1.34 0.89 | 2.05 7 | 20 Good
    Sterling Ratio 0.69 0.72 0.69 | 0.75 19 | 20 Poor
    Sortino Ratio 0.92 0.82 0.47 | 1.33 6 | 20 Good
    Jensen Alpha % 2.45 0.77 -1.20 | 2.45 1 | 20 Very Good
    Modigliani Square Measure % 9.01 7.17 5.23 | 9.22 2 | 20 Very Good
    Alpha % -0.88 -0.67 -0.97 | -0.27 18 | 20 Poor
    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 Iti Banking & Psu Debt Fund NAV Regular Growth Iti Banking & Psu Debt Fund NAV Direct Growth
    27-01-2026 13.3684 13.7617
    23-01-2026 13.3637 13.7561
    22-01-2026 13.3635 13.7556
    21-01-2026 13.3503 13.7418
    20-01-2026 13.3506 13.742
    19-01-2026 13.3506 13.7417
    16-01-2026 13.3515 13.742
    14-01-2026 13.3576 13.7479
    13-01-2026 13.3602 13.7504
    12-01-2026 13.3693 13.7596
    09-01-2026 13.3613 13.7507
    08-01-2026 13.3594 13.7485
    07-01-2026 13.3593 13.7482
    06-01-2026 13.3612 13.7499
    05-01-2026 13.3568 13.7452
    02-01-2026 13.3586 13.7464
    01-01-2026 13.3624 13.7502
    31-12-2025 13.3581 13.7456
    30-12-2025 13.3535 13.7406
    29-12-2025 13.3543 13.7412

    Fund Launch Date: 22/Oct/2020
    Fund Category: Banking and PSU Fund
    Investment Objective: The investment objective of the Scheme is to generate income / capital appreciation through investments in debt and money market instruments consisting predominantly of securities issued by entities such as Scheduled Commercial Banks(SCBs), Public Sector undertakings(PSUs), Public Financial Institutions(PFIs) and Municipal Bonds. However, there can be no assurance or guarantee that the investment objective of the scheme would be achieved
    Fund Description: An open ended scheme investing in arbitrage opportunities
    Fund Benchmark: Crisil Banking & PSU Debt Index
    Source: Fund FactSheet

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