Lic Mf Banking & Psu Debt Fund Overview
Category Banking and PSU Fund
BMSMONEY Rank 12
Rating
Growth Option 23-06-2025
NAV ₹34.92(R) -0.03% ₹37.65(D) -0.02%
Returns 1Y 3Y 5Y 7Y 10Y
Lumpsum Regular 9.19% 7.26% 5.62% 6.84% 6.79%
Direct 9.74% 7.81% 6.18% 7.41% 7.4%
Benchmark
SIP (XIRR) Regular 9.65% 4.21% 5.38% 5.95% 6.4%
Direct 10.2% 4.74% 5.93% 6.51% 6.99%
Ratio Sharpe Ratio Sortino Ratio Sterling Ratio Jensen's Alpha Treynor Ratio
1.27 0.87 0.73 0.56% 0.02
Risk STD. Dev VaR 1Y95% Max DD Beta Semi Devi.
1.2% 0.0% -0.15% 0.84 0.74%
Fund AUM As on: 31/03/2025 1818 Cr
Top Banking and PSU Fund
Fund Name Rank Rating
Kotak Banking And Psu Debt Fund 1
Aditya Birla Sun Life Banking & Psu Debt Fund 2
ICICI Prudential Banking & PSU Debt Fund 3
Dsp Banking & Psu Debt Fund 4

NAV Date: 23-06-2025

Scheme Name NAV Rupee Change Percent Change
LIC MF Banking & PSU Fund-Direct Plan-Weekly IDCW 10.03
0.0000
-0.0200%
LIC MF Banking & PSU Fund-Regular Plan-Weekly IDCW 10.36
0.0000
-0.0300%
LIC MF Banking & PSU Fund-Regular Plan-Daily IDCW 11.23
0.0000
-0.0200%
LIC MF Banking & PSU Fund-Regular Plan-Monthly IDCW 13.07
0.0000
-0.0300%
LIC MF Banking & PSU Fund-Direct Plan-Monthly IDCW 14.18
0.0000
-0.0200%
LIC MF Banking & PSU Fund-Direct Plan-Daily IDCW 14.24
0.0000
-0.0200%
LIC MF Banking & PSU Fund-Regular Plan-Growth 34.92
-0.0100
-0.0300%
LIC MF Banking & PSU Fund-Direct Plan-Growth 37.65
-0.0100
-0.0200%

Review Date: 23-06-2025

Beginning of Analysis

Lic Mf Banking & Psu Debt Fund is the 12th ranked fund in the Banking and PSU Debt Fund category. The category has total 19 funds. The Lic Mf Banking & Psu Debt Fund has shown an average past performence in Banking and PSU Debt Fund. The fund has a Jensen Alpha of 0.56% which is lower than the category average of 1.29%, showing poor performance. The fund has a Sharpe Ratio of 1.27 which is lower than the category average of 1.55.
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.

Lic Mf Banking & Psu Debt Fund Return Analysis

  • The fund has given a return of 0.01%, 3.36 and 5.39 in last one, three and six months respectively. In the same period the category average return was 0.03%, 3.02% and 5.03% respectively.
  • Lic Mf Banking & Psu Debt Fund has given a return of 9.74% 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 7.81% in last three years and ranked 11.0th 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 6.18% in last five years and ranked 13th out of 15 funds in the category. In the same period the Banking and PSU Debt Fund category average return was 6.45%.
  • The fund has given a return of 7.4% in last ten years and ranked 11th 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 10.2% in last one year whereas category average SIP return is 9.6%. The fund one year return rank in the category is 1st in 22 funds
  • The fund has SIP return of 4.74% in last three years and ranks 2nd in 19 funds. Kotak Banking And Psu Debt Fund has given the highest SIP return (4.76%) in the category in last three years.
  • The fund has SIP return of 5.93% in last five years whereas category average SIP return is 5.96%.

Lic Mf Banking & Psu Debt Fund Risk Analysis

  • The fund has a standard deviation of 1.2 and semi deviation of 0.74. The category average standard deviation is 1.1 and semi deviation is 0.7.
  • The fund has a Value at Risk (VaR) of 0.0 and a maximum drawdown of -0.15. The category average VaR is -0.01 and the maximum drawdown is -0.11. The fund has a beta of 0.84 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 % -0.03
    0.00
    		-0.45 | 0.31 12 | 22 Good
    3M Return % 3.23
    2.93
    		2.41 | 3.23 1 | 22 Very Good
    6M Return % 5.13
    4.84
    		4.25 | 5.13 1 | 22 Very Good
    1Y Return % 9.19
    8.89
    		8.08 | 9.46 4 | 22 Very Good
    3Y Return % 7.26
    7.45
    		7.07 | 8.07 14 | 19 Average
    5Y Return % 5.62
    6.08
    		5.45 | 7.04 14 | 15 Poor
    7Y Return % 6.84
    7.21
    		6.29 | 8.02 12 | 15 Average
    10Y Return % 6.79
    7.22
    		6.58 | 7.64 12 | 14 Average
    15Y Return % 7.08
    13.82
    		7.08 | 26.30 3 | 3 Average
    1Y SIP Return % 9.65
    9.20
    		8.17 | 9.65 1 | 22 Very Good
    3Y SIP Return % 4.21
    4.14
    		3.73 | 4.40 10 | 19 Good
    5Y SIP Return % 5.38
    5.59
    		5.16 | 6.49 13 | 15 Poor
    7Y SIP Return % 5.95
    6.31
    		5.77 | 6.75 14 | 15 Poor
    10Y SIP Return % 6.40
    6.71
    		6.20 | 7.02 12 | 14 Average
    15Y SIP Return % 6.59
    9.63
    		6.59 | 17.77 4 | 4 Poor
    Standard Deviation 1.20
    1.10
    		0.78 | 1.73 14 | 19 Average
    Semi Deviation 0.74
    0.70
    		0.49 | 1.21 14 | 19 Average
    Max Drawdown % -0.15
    -0.11
    		-0.68 | 0.00 15 | 19 Average
    VaR 1 Y % 0.00
    -0.01
    		-0.25 | 0.00 18 | 19 Poor
    Average Drawdown % -0.15
    -0.09
    		-0.56 | 0.00 15 | 19 Average
    Sharpe Ratio 1.27
    1.55
    		1.24 | 2.46 18 | 19 Poor
    Sterling Ratio 0.73
    0.75
    		0.71 | 0.79 15 | 19 Average
    Sortino Ratio 0.87
    1.17
    		0.69 | 2.42 17 | 19 Poor
    Jensen Alpha % 0.56
    1.29
    		-1.83 | 3.46 16 | 19 Poor
    Treynor Ratio 0.02
    0.02
    		0.02 | 0.04 17 | 19 Poor
    Modigliani Square Measure % 7.12
    8.13
    		5.58 | 11.07 14 | 19 Average
    Alpha % -0.67
    -0.51
    		-0.96 | 0.10 14 | 19 Average
    Return data last Updated On : June 23, 2025.
    Other parameters, fund ranking, non return related analysis are updated after every month end. Last Updated On : May 30, 2025
    KPIs: Key Performance Indicators

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    KPIs* Fund Benchmark Cat. Avg Min | Max Rank (In Cat.) Performance
    1M Return % 0.01 0.03 -0.43 | 0.32 11 | 22
    3M Return % 3.36 3.02 2.45 | 3.36 1 | 22
    6M Return % 5.39 5.03 4.38 | 5.39 1 | 22
    1Y Return % 9.74 9.29 8.40 | 9.89 3 | 22
    3Y Return % 7.81 7.86 7.46 | 8.41 11 | 19
    5Y Return % 6.18 6.45 5.80 | 7.27 13 | 15
    7Y Return % 7.41 7.59 6.47 | 8.35 12 | 15
    10Y Return % 7.40 7.59 6.87 | 8.02 11 | 14
    1Y SIP Return % 10.20 9.60 8.46 | 10.20 1 | 22
    3Y SIP Return % 4.74 4.53 4.26 | 4.76 2 | 19
    5Y SIP Return % 5.93 5.96 5.54 | 6.76 8 | 15
    7Y SIP Return % 6.51 6.68 6.12 | 7.09 12 | 15
    10Y SIP Return % 6.99 7.08 6.47 | 7.44 11 | 14
    Standard Deviation 1.20 1.10 0.78 | 1.73 14 | 19
    Semi Deviation 0.74 0.70 0.49 | 1.21 14 | 19
    Max Drawdown % -0.15 -0.11 -0.68 | 0.00 15 | 19
    VaR 1 Y % 0.00 -0.01 -0.25 | 0.00 18 | 19
    Average Drawdown % -0.15 -0.09 -0.56 | 0.00 15 | 19
    Sharpe Ratio 1.27 1.55 1.24 | 2.46 18 | 19
    Sterling Ratio 0.73 0.75 0.71 | 0.79 15 | 19
    Sortino Ratio 0.87 1.17 0.69 | 2.42 17 | 19
    Jensen Alpha % 0.56 1.29 -1.83 | 3.46 16 | 19
    Treynor Ratio 0.02 0.02 0.02 | 0.04 17 | 19
    Modigliani Square Measure % 7.12 8.13 5.58 | 11.07 14 | 19
    Alpha % -0.67 -0.51 -0.96 | 0.10 14 | 19
    Return data last Updated On : June 23, 2025.
    Other parameters, fund ranking, non return related analysis are updated after every month end. Last Updated On : May 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 Lic Mf Banking & Psu Debt Fund NAV Regular Growth Lic Mf Banking & Psu Debt Fund NAV Direct Growth
    23-06-2025 34.9175 37.654
    20-06-2025 34.9263 37.6619
    19-06-2025 34.9427 37.6791
    18-06-2025 34.9681 37.7059
    17-06-2025 34.9627 37.6996
    16-06-2025 34.9161 37.6488
    13-06-2025 34.8965 37.6261
    12-06-2025 34.9336 37.6657
    11-06-2025 34.9618 37.6955
    10-06-2025 34.9885 37.7238
    09-06-2025 35.0635 37.8041
    06-06-2025 35.1073 37.8498
    05-06-2025 34.9919 37.7249
    04-06-2025 34.9997 37.7327
    03-06-2025 35.003 37.7359
    02-06-2025 34.9924 37.7239
    30-05-2025 34.9726 37.701
    29-05-2025 34.9826 37.7112
    28-05-2025 34.967 37.6939
    27-05-2025 34.9551 37.6806
    26-05-2025 34.9426 37.6665
    23-05-2025 34.9276 37.6489

    Fund Launch Date: 28/May/2007
    Fund Category: Banking and PSU Fund
    Investment Objective: The primary investment objective of the Scheme is to seek to generate income and capital appreciation by primarily investing in a portfolio of high quality debt and money market securities that are issued by banks, public sector undertakings, public financial institutions and Municipal Bonds. There is no assurance that the investment objective of the Scheme will be realized.
    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 and PSU Debt Index
    Source: Fund FactSheet

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