Iti Banking & Psu Debt Fund Datagrid
Category Banking and PSU Fund
BMSMONEY Rank 8
Rating
Growth Option 27-04-2026
NAV ₹13.53(R) +0.03% ₹13.95(D) +0.03%
Returns 1Y 3Y 5Y 7Y 10Y
Lumpsum Regular 4.85% 6.62% 5.8% -% -%
Direct 5.42% 7.21% 6.39% -% -%
Benchmark
SIP (XIRR) Regular 4.35% 6.3% 6.24% -% -%
Direct 4.92% 6.89% 6.82% -% -%
Ratio Sharpe Ratio Sortino Ratio Sterling Ratio Jensen's Alpha Treynor Ratio
0.83 0.44 0.66 0.02% -0.86
Risk STD. Dev VaR 1Y95% Max DD Beta Semi Devi.
0.9% 0.0% 0.0% 0.54 0.61%
Fund AUM As on: 30/12/2025 38 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: 27-04-2026

Scheme Name NAV Rupee Change Percent Change
ITI Banking & PSU Debt Fund - Regular Plan - IDCW Option 13.53
0.0000
0.0300%
ITI Banking & PSU Debt Fund - Regular Plan - Growth Option 13.53
0.0000
0.0300%
ITI Banking & PSU Debt Fund - Direct Plan - IDCW Option 13.94
0.0000
0.0300%
ITI Banking & PSU Debt Fund - Direct Plan - Growth Option 13.95
0.0000
0.0300%

Review Date: 27-04-2026

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 ITI Banking & PSU Debt 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 good performance in terms of risk adjusted returns. The fund has a Sharpe Ratio of 0.83 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.

ITI Banking & PSU Debt Fund Return Analysis

  • The fund has given a return of 0.68%, 1.34 and 2.16 in last one, three and six months respectively. In the same period the category average return was 0.82%, 1.22% and 1.88% respectively.
  • ITI Banking & PSU Debt Fund has given a return of 5.42% in last one year. In the same period the Banking and PSU Debt Fund category average return was 5.04%.
  • The fund has given a return of 7.21% in last three years and ranked 7.0th out of nineteen funds in the category. In the same period the Banking and PSU Debt Fund category average return was 7.12%.
  • The fund has given a return of 6.39% in last five years and ranked 4th out of seventeen funds in the category. In the same period the Banking and PSU Debt Fund category average return was 6.24%.
  • The fund has given a SIP return of 4.92% in last one year whereas category average SIP return is 4.44%. The fund one year return rank in the category is 4th in 20 funds
  • The fund has SIP return of 6.89% in last three years and ranks 6th in 19 funds. Franklin India Banking & Psu Debt Fund has given the highest SIP return (7.41%) in the category in last three years.
  • The fund has SIP return of 6.82% in last five years whereas category average SIP return is 6.78%.

ITI Banking & PSU Debt Fund Risk Analysis

  • The fund has a standard deviation of 0.9 and semi deviation of 0.61. 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 0.0. The category average VaR is -0.33 and the maximum drawdown is -0.38. 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 % 0.64
    0.79
    		0.63 | 0.97 19 | 20 Poor
    3M Return % 1.20
    1.13
    		0.82 | 1.51 4 | 20 Very Good
    6M Return % 1.89
    1.70
    		1.14 | 2.58 6 | 20 Good
    1Y Return % 4.85
    4.67
    		3.55 | 5.96 9 | 20 Good
    3Y Return % 6.62
    6.75
    		6.34 | 7.12 15 | 19 Average
    5Y Return % 5.80
    5.86
    		5.28 | 7.22 8 | 17 Good
    1Y SIP Return % 4.35
    4.04
    		3.12 | 5.54 5 | 19 Very Good
    3Y SIP Return % 6.30
    6.45
    		6.00 | 7.06 15 | 18 Average
    5Y SIP Return % 6.24
    6.40
    		5.96 | 7.29 12 | 16 Average
    Standard Deviation 0.90
    1.29
    		0.90 | 1.83 1 | 19 Very Good
    Semi Deviation 0.61
    0.93
    		0.61 | 1.35 1 | 19 Very Good
    Max Drawdown % 0.00
    -0.38
    		-0.91 | 0.00 2 | 19 Very Good
    VaR 1 Y % 0.00
    -0.33
    		-1.21 | 0.00 5 | 19 Very Good
    Average Drawdown % 0.00
    -0.17
    		-0.38 | 0.00 2 | 19 Very Good
    Sharpe Ratio 0.83
    0.78
    		0.45 | 1.28 8 | 19 Good
    Sterling Ratio 0.66
    0.66
    		0.61 | 0.71 9 | 19 Good
    Sortino Ratio 0.44
    0.38
    		0.19 | 0.79 7 | 19 Good
    Jensen Alpha % 0.02
    -0.27
    		-0.90 | 0.43 6 | 19 Good
    Treynor Ratio -0.86
    -0.57
    		-0.86 | -0.41 19 | 19 Poor
    Modigliani Square Measure % 6.98
    6.85
    		6.38 | 7.56 7 | 19 Good
    Alpha % -0.77
    -0.70
    		-1.19 | -0.25 11 | 19 Average
    Return data last Updated On : April 27, 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 % 0.68 0.82 0.68 | 1.00 19 | 20 Poor
    3M Return % 1.34 1.22 0.94 | 1.58 4 | 20 Very Good
    6M Return % 2.16 1.88 1.28 | 2.73 6 | 20 Good
    1Y Return % 5.42 5.04 3.82 | 6.21 4 | 20 Very Good
    3Y Return % 7.21 7.12 6.67 | 7.47 7 | 19 Good
    5Y Return % 6.39 6.24 5.68 | 7.49 4 | 17 Very Good
    1Y SIP Return % 4.92 4.44 3.39 | 5.86 4 | 20 Very Good
    3Y SIP Return % 6.89 6.83 6.33 | 7.41 6 | 19 Good
    5Y SIP Return % 6.82 6.78 6.44 | 7.57 5 | 17 Very Good
    Standard Deviation 0.90 1.29 0.90 | 1.83 1 | 19 Very Good
    Semi Deviation 0.61 0.93 0.61 | 1.35 1 | 19 Very Good
    Max Drawdown % 0.00 -0.38 -0.91 | 0.00 2 | 19 Very Good
    VaR 1 Y % 0.00 -0.33 -1.21 | 0.00 5 | 19 Very Good
    Average Drawdown % 0.00 -0.17 -0.38 | 0.00 2 | 19 Very Good
    Sharpe Ratio 0.83 0.78 0.45 | 1.28 8 | 19 Good
    Sterling Ratio 0.66 0.66 0.61 | 0.71 9 | 19 Good
    Sortino Ratio 0.44 0.38 0.19 | 0.79 7 | 19 Good
    Jensen Alpha % 0.02 -0.27 -0.90 | 0.43 6 | 19 Good
    Treynor Ratio -0.86 -0.57 -0.86 | -0.41 19 | 19 Poor
    Modigliani Square Measure % 6.98 6.85 6.38 | 7.56 7 | 19 Good
    Alpha % -0.77 -0.70 -1.19 | -0.25 11 | 19 Average
    Return data last Updated On : April 27, 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 Iti Banking & Psu Debt Fund NAV Regular Growth Iti Banking & Psu Debt Fund NAV Direct Growth
    27-04-2026 13.5293 13.9459
    24-04-2026 13.5259 13.9419
    23-04-2026 13.5268 13.9426
    22-04-2026 13.5335 13.9493
    21-04-2026 13.5336 13.9492
    20-04-2026 13.5334 13.9487
    17-04-2026 13.5269 13.9415
    16-04-2026 13.5282 13.9426
    15-04-2026 13.5231 13.9372
    13-04-2026 13.5091 13.9223
    10-04-2026 13.5025 13.9149
    09-04-2026 13.5 13.9121
    08-04-2026 13.4854 13.8969
    07-04-2026 13.4648 13.8755
    06-04-2026 13.4582 13.8685
    02-04-2026 13.4517 13.861
    30-03-2026 13.452 13.8607
    27-03-2026 13.4439 13.8517

    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.