Lic Mf Banking & Psu Debt Fund Datagrid
Category Banking and PSU Fund
BMSMONEY Rank 11
Rating
Growth Option 15-12-2025
NAV ₹35.65(R) -0.04% ₹38.54(D) -0.04%
Returns 1Y 3Y 5Y 7Y 10Y
Lumpsum Regular 7.35% 7.2% 5.45% 6.58% 6.71%
Direct 7.88% 7.75% 6.0% 7.14% 7.33%
Benchmark
SIP (XIRR) Regular 6.24% 5.28% 3.63% 4.89% 5.88%
Direct 6.77% 5.81% 4.16% 5.45% 6.46%
Ratio Sharpe Ratio Sortino Ratio Sterling Ratio Jensen's Alpha Treynor Ratio
1.27 0.77 0.72 -0.24% 0.02
Risk STD. Dev VaR 1Y95% Max DD Beta Semi Devi.
1.26% 0.0% -0.18% 0.95 0.82%
Fund AUM As on: 30/06/2025 1860 Cr
Top Banking and PSU Fund
Fund Name Rank Rating
ICICI Prudential Banking & PSU Debt Fund 1
Franklin India Banking & Psu Debt Fund 2
Kotak Banking And Psu Debt Fund 3
UTI Banking & PSU Fund 4
Sundaram Banking & PSU Fund 5

NAV Date: 15-12-2025

Scheme Name NAV Rupee Change Percent Change
LIC MF Banking & PSU Fund-Direct Plan-Weekly IDCW 10.03
0.0000
-0.0400%
LIC MF Banking & PSU Fund-Regular Plan-Weekly IDCW 10.36
0.0000
-0.0400%
LIC MF Banking & PSU Fund-Regular Plan-Daily IDCW 11.44
0.0000
-0.0400%
LIC MF Banking & PSU Fund-Regular Plan-Monthly IDCW 13.34
-0.0100
-0.0400%
LIC MF Banking & PSU Fund-Direct Plan-Daily IDCW 14.27
-0.0100
-0.0400%
LIC MF Banking & PSU Fund-Direct Plan-Monthly IDCW 14.51
-0.0100
-0.0400%
LIC MF Banking & PSU Fund-Regular Plan-Growth 35.65
-0.0100
-0.0400%
LIC MF Banking & PSU Fund-Direct Plan-Growth 38.54
-0.0100
-0.0400%

Review Date: 15-12-2025

Beginning of Analysis

In the Banking and PSU Debt Fund category, Lic Mf Banking & Psu Debt Fund is the 8th ranked fund. The category has total 20 funds. The Lic Mf Banking & Psu Debt Fund has shown a very good past performence in Banking and PSU Debt Fund. The fund has a Jensen Alpha of -0.24% which is lower than the category average of 0.64%, showing poor performance. The fund has a Sharpe Ratio of 1.27 which is lower 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.

Lic Mf Banking & Psu Debt Fund Return Analysis

  • The fund has given a return of 0.05%, 1.42 and 2.35 in last one, three and six months respectively. In the same period the category average return was 0.1%, 1.48% and 2.48% respectively.
  • Lic Mf Banking & Psu Debt Fund has given a return of 7.88% in last one year. In the same period the Banking and PSU Debt Fund category average return was 7.63%.
  • The fund has given a return of 7.75% in last three years and ranked 4.0th out of 20 funds in the category. In the same period the Banking and PSU Debt Fund category average return was 7.61%.
  • The fund has given a return of 6.0% in last five years and ranked 11th out of 17 funds in the category. In the same period the Banking and PSU Debt Fund category average return was 6.16%.
  • The fund has given a return of 7.33% in last ten years and ranked 11th out of 14 funds in the category. In the same period the category average return was 7.44%.
  • The fund has given a SIP return of 6.77% in last one year whereas category average SIP return is 6.68%. The fund one year return rank in the category is 9th in 21 funds
  • The fund has SIP return of 5.81% in last three years and ranks 4th in 20 funds. Kotak Banking And Psu Debt Fund has given the highest SIP return (5.98%) in the category in last three years.
  • The fund has SIP return of 4.16% in last five years whereas category average SIP return is 4.17%.

Lic Mf Banking & Psu Debt Fund Risk Analysis

  • The fund has a standard deviation of 1.26 and semi deviation of 0.82. The category average standard deviation is 1.11 and semi deviation is 0.74.
  • The fund has a Value at Risk (VaR) of 0.0 and a maximum drawdown of -0.18. The category average VaR is -0.04 and the maximum drawdown is -0.13. The fund has a beta of 0.91 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 % 0.01
    0.07
    		-0.05 | 0.21 17 | 21 Average
    3M Return % 1.30
    1.39
    		1.20 | 1.79 14 | 21 Average
    6M Return % 2.10
    2.29
    		1.89 | 2.85 15 | 21 Average
    1Y Return % 7.35
    7.24
    		6.49 | 7.72 9 | 21 Good
    3Y Return % 7.20
    7.22
    		6.81 | 7.56 13 | 20 Average
    5Y Return % 5.45
    5.77
    		5.20 | 6.99 14 | 17 Average
    7Y Return % 6.58
    7.00
    		6.14 | 7.84 13 | 15 Poor
    10Y Return % 6.71
    7.07
    		6.44 | 7.45 12 | 14 Average
    15Y Return % 7.04
    7.78
    		7.04 | 8.27 3 | 3 Average
    1Y SIP Return % 6.24
    6.29
    		5.54 | 7.00 11 | 21 Good
    3Y SIP Return % 5.28
    5.27
    		4.83 | 5.58 12 | 20 Average
    5Y SIP Return % 3.63
    3.79
    		3.45 | 4.63 13 | 17 Average
    7Y SIP Return % 4.89
    5.26
    		4.77 | 5.87 14 | 15 Poor
    10Y SIP Return % 5.88
    6.19
    		5.71 | 6.51 12 | 14 Average
    15Y SIP Return % 6.42
    6.91
    		6.42 | 7.37 4 | 4 Poor
    Standard Deviation 1.26
    1.11
    		0.79 | 1.56 16 | 20 Poor
    Semi Deviation 0.82
    0.74
    		0.50 | 1.07 15 | 20 Average
    Max Drawdown % -0.18
    -0.13
    		-0.40 | 0.00 14 | 20 Average
    VaR 1 Y % 0.00
    -0.04
    		-0.45 | 0.00 18 | 20 Poor
    Average Drawdown % -0.13
    -0.09
    		-0.25 | 0.00 14 | 20 Average
    Sharpe Ratio 1.27
    1.47
    		1.05 | 2.12 16 | 20 Poor
    Sterling Ratio 0.72
    0.72
    		0.69 | 0.76 12 | 20 Average
    Sortino Ratio 0.77
    0.94
    		0.58 | 1.41 15 | 20 Average
    Jensen Alpha % -0.24
    0.64
    		-1.66 | 2.61 17 | 20 Poor
    Modigliani Square Measure % 6.13
    7.07
    		5.07 | 9.08 16 | 20 Poor
    Alpha % -0.79
    -0.75
    		-1.06 | -0.41 11 | 20 Average
    Return data last Updated On : Dec. 15, 2025.
    Other parameters, fund ranking, non return related analysis are updated after every month end. Last Updated On : Nov. 28, 2025
    KPIs: Key Performance Indicators

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    KPIs* Fund Benchmark Cat. Avg Min | Max Rank (In Cat.) Performance
    1M Return % 0.05 0.10 -0.01 | 0.23 14 | 21 Average
    3M Return % 1.42 1.48 1.29 | 1.87 12 | 21 Good
    6M Return % 2.35 2.48 2.03 | 3.02 15 | 21 Average
    1Y Return % 7.88 7.63 6.80 | 8.02 6 | 21 Very Good
    3Y Return % 7.75 7.61 7.14 | 7.93 4 | 20 Very Good
    5Y Return % 6.00 6.16 5.60 | 7.24 11 | 17 Average
    7Y Return % 7.14 7.37 6.34 | 8.18 12 | 15 Average
    10Y Return % 7.33 7.44 6.73 | 7.85 11 | 14 Average
    1Y SIP Return % 6.77 6.68 5.83 | 7.35 9 | 21 Good
    3Y SIP Return % 5.81 5.65 5.15 | 5.98 4 | 20 Very Good
    5Y SIP Return % 4.16 4.17 3.86 | 4.90 8 | 17 Good
    7Y SIP Return % 5.45 5.63 5.14 | 6.11 13 | 15 Poor
    10Y SIP Return % 6.46 6.57 6.00 | 6.93 11 | 14 Average
    Standard Deviation 1.26 1.11 0.79 | 1.56 16 | 20 Poor
    Semi Deviation 0.82 0.74 0.50 | 1.07 15 | 20 Average
    Max Drawdown % -0.18 -0.13 -0.40 | 0.00 14 | 20 Average
    VaR 1 Y % 0.00 -0.04 -0.45 | 0.00 18 | 20 Poor
    Average Drawdown % -0.13 -0.09 -0.25 | 0.00 14 | 20 Average
    Sharpe Ratio 1.27 1.47 1.05 | 2.12 16 | 20 Poor
    Sterling Ratio 0.72 0.72 0.69 | 0.76 12 | 20 Average
    Sortino Ratio 0.77 0.94 0.58 | 1.41 15 | 20 Average
    Jensen Alpha % -0.24 0.64 -1.66 | 2.61 17 | 20 Poor
    Modigliani Square Measure % 6.13 7.07 5.07 | 9.08 16 | 20 Poor
    Alpha % -0.79 -0.75 -1.06 | -0.41 11 | 20 Average
    Return data last Updated On : Dec. 15, 2025.
    Other parameters, fund ranking, non return related analysis are updated after every month end. Last Updated On : Nov. 28, 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
    15-12-2025 35.6493 38.5354
    12-12-2025 35.6638 38.5495
    11-12-2025 35.6609 38.5459
    10-12-2025 35.6704 38.5557
    09-12-2025 35.7084 38.5962
    08-12-2025 35.7543 38.6453
    05-12-2025 35.7684 38.6589
    04-12-2025 35.7224 38.6086
    03-12-2025 35.7289 38.6152
    02-12-2025 35.729 38.6147
    01-12-2025 35.7203 38.6048
    28-11-2025 35.7414 38.626
    27-11-2025 35.741 38.6251
    26-11-2025 35.7417 38.6252
    25-11-2025 35.7132 38.5939
    24-11-2025 35.6899 38.5683
    21-11-2025 35.6668 38.5417
    20-11-2025 35.6715 38.5463
    19-11-2025 35.6669 38.5408
    18-11-2025 35.6458 38.5174
    17-11-2025 35.6457 38.5167

    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 byprimarily 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 theinvestment objective of the Scheme will be realized.
    Fund Description: An open ended debt schemepredominantly investing in debt instruments ofbanks, public sector undertakings, public financialinstitutions 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.