Nippon India Banking & Psu Debt Fund Datagrid
Category Banking and PSU Fund
BMSMONEY Rank 16
Rating
Growth Option 27-01-2026
NAV ₹21.25(R) +0.04% ₹22.1(D) +0.04%
Returns 1Y 3Y 5Y 7Y 10Y
Lumpsum Regular 6.45% 7.11% 5.76% 7.06% 7.18%
Direct 6.87% 7.54% 6.21% 7.52% 7.59%
Benchmark
SIP (XIRR) Regular 4.4% 6.72% 6.4% 6.01% 6.58%
Direct 4.82% 7.14% 6.83% 6.45% 7.02%
Ratio Sharpe Ratio Sortino Ratio Sterling Ratio Jensen's Alpha Treynor Ratio
1.17 0.65 0.71 -0.3% 0.02
Risk STD. Dev VaR 1Y95% Max DD Beta Semi Devi.
1.31% -0.23% -0.29% 0.98 0.9%
Fund AUM As on: 30/12/2025 5518 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
NIPPON INDIA BANKING & PSU DEBT FUND - Direct Plan - WEEKLY IDCW Option 10.27
-0.0100
-0.0800%
NIPPON INDIA BANKING & PSU DEBT FUND - WEEKLY IDCW Option 10.28
-0.0100
-0.0700%
NIPPON INDIA BANKING & PSU DEBT FUND - MONTHLY IDCW Option 10.67
0.0000
0.0400%
NIPPON INDIA BANKING & PSU DEBT FUND - Direct Plan - MONTHLY IDCW Option 10.75
0.0000
0.0400%
NIPPON INDIA BANKING & PSU DEBT FUND - QUARTERLY IDCW Option 10.77
0.0000
0.0400%
NIPPON INDIA BANKING & PSU DEBT FUND - Direct Plan - QUARTERLY IDCW Option 10.84
0.0000
0.0400%
Nippon India Banking & PSU Debt Fund- Growth Plan- Growth Option 21.25
0.0100
0.0400%
NIPPON INDIA BANKING & PSU DEBT FUND - IDCW Option 21.25
0.0100
0.0400%
Nippon India Banking & PSU Debt Fund- Direct Plan-Growth Plan- Growth Option 22.1
0.0100
0.0400%
Nippon India Banking & PSU Debt Fund- Direct Plan-Growth Plan- Bonus Option 22.1
0.0100
0.0400%
NIPPON INDIA BANKING & PSU DEBT FUND - Direct Plan - IDCW Option 22.1
0.0100
0.0400%

Review Date: 27-01-2026

Beginning of Analysis

Nippon India Banking & Psu Debt Fund is the 13th ranked fund in the Banking and PSU Debt Fund category. The category has total 20 funds. The 3 star rating shows an average past performance of the Nippon India Banking & Psu Debt Fund in Banking and PSU Debt Fund. The fund has a Jensen Alpha of -0.3% which is lower than the category average of 0.77%, showing poor performance. The fund has a Sharpe Ratio of 1.17 which is lower 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.

Nippon India Banking & Psu Debt Fund Return Analysis

  • The fund has given a return of -0.15%, 0.42 and 1.62 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.
  • Nippon India Banking & Psu Debt Fund has given a return of 6.87% 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 7.54% in last three years and ranked 6.0th 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 6.21% in last five years and ranked 7th 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 return of 7.59% in last ten years and ranked 5th out of 14 funds in the category. In the same period the category average return was 7.35%.
  • The fund has given a SIP return of 4.82% in last one year whereas category average SIP return is 5.28%. The fund one year return rank in the category is 18th in 21 funds
  • The fund has SIP return of 7.14% in last three years and ranks 14th 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 6.83% in last five years whereas category average SIP return is 6.88%.

Nippon India Banking & Psu Debt Fund Risk Analysis

  • The fund has a standard deviation of 1.31 and semi deviation of 0.9. The category average standard deviation is 1.14 and semi deviation is 0.77.
  • The fund has a Value at Risk (VaR) of -0.23 and a maximum drawdown of -0.29. The category average VaR is -0.05 and the maximum drawdown is -0.13. The fund has a beta of 0.9 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 % -0.18
    -0.07
    		-0.26 | 0.11 20 | 21 Poor
    3M Return % 0.31
    0.57
    		0.19 | 1.06 20 | 21 Poor
    6M Return % 1.41
    1.79
    		1.29 | 2.42 20 | 21 Poor
    1Y Return % 6.45
    6.66
    		5.90 | 7.43 16 | 21 Average
    3Y Return % 7.11
    7.09
    		6.65 | 7.45 11 | 20 Average
    5Y Return % 5.76
    5.79
    		5.16 | 7.05 10 | 17 Good
    7Y Return % 7.06
    6.86
    		6.32 | 7.64 5 | 15 Good
    10Y Return % 7.18
    6.99
    		6.39 | 7.37 4 | 14 Very Good
    1Y SIP Return % 4.40
    4.90
    		3.96 | 6.02 18 | 21 Average
    3Y SIP Return % 6.72
    6.83
    		6.34 | 7.24 15 | 20 Average
    5Y SIP Return % 6.40
    6.50
    		6.15 | 7.37 10 | 17 Good
    7Y SIP Return % 6.01
    6.04
    		5.59 | 6.75 8 | 15 Good
    10Y SIP Return % 6.58
    6.47
    		6.02 | 6.78 6 | 14 Good
    Standard Deviation 1.31
    1.14
    		0.82 | 1.59 17 | 20 Poor
    Semi Deviation 0.90
    0.77
    		0.54 | 1.09 17 | 20 Poor
    Max Drawdown % -0.29
    -0.13
    		-0.40 | 0.00 19 | 20 Poor
    VaR 1 Y % -0.23
    -0.05
    		-0.45 | 0.00 18 | 20 Poor
    Average Drawdown % -0.15
    -0.09
    		-0.25 | 0.00 15 | 20 Average
    Sharpe Ratio 1.17
    1.34
    		0.89 | 2.05 14 | 20 Average
    Sterling Ratio 0.71
    0.72
    		0.69 | 0.75 13 | 20 Average
    Sortino Ratio 0.65
    0.82
    		0.47 | 1.33 16 | 20 Poor
    Jensen Alpha % -0.30
    0.77
    		-1.20 | 2.45 18 | 20 Poor
    Modigliani Square Measure % 6.14
    7.17
    		5.23 | 9.22 17 | 20 Poor
    Alpha % -0.64
    -0.67
    		-0.97 | -0.27 8 | 20 Good
    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 19 | 21 Poor
    3M Return % 0.42 0.66 0.26 | 1.13 20 | 21 Poor
    6M Return % 1.62 1.98 1.42 | 2.59 20 | 21 Poor
    1Y Return % 6.87 7.04 6.20 | 7.78 16 | 21 Average
    3Y Return % 7.54 7.48 6.97 | 7.82 6 | 20 Good
    5Y Return % 6.21 6.17 5.55 | 7.31 7 | 17 Good
    7Y Return % 7.52 7.24 6.57 | 7.98 4 | 15 Very Good
    10Y Return % 7.59 7.35 6.66 | 7.78 5 | 14 Good
    1Y SIP Return % 4.82 5.28 4.24 | 6.36 18 | 21 Average
    3Y SIP Return % 7.14 7.21 6.67 | 7.59 14 | 20 Average
    5Y SIP Return % 6.83 6.88 6.61 | 7.64 9 | 17 Good
    7Y SIP Return % 6.45 6.40 5.96 | 6.99 6 | 15 Good
    10Y SIP Return % 7.02 6.84 6.31 | 7.19 3 | 14 Very Good
    Standard Deviation 1.31 1.14 0.82 | 1.59 17 | 20 Poor
    Semi Deviation 0.90 0.77 0.54 | 1.09 17 | 20 Poor
    Max Drawdown % -0.29 -0.13 -0.40 | 0.00 19 | 20 Poor
    VaR 1 Y % -0.23 -0.05 -0.45 | 0.00 18 | 20 Poor
    Average Drawdown % -0.15 -0.09 -0.25 | 0.00 15 | 20 Average
    Sharpe Ratio 1.17 1.34 0.89 | 2.05 14 | 20 Average
    Sterling Ratio 0.71 0.72 0.69 | 0.75 13 | 20 Average
    Sortino Ratio 0.65 0.82 0.47 | 1.33 16 | 20 Poor
    Jensen Alpha % -0.30 0.77 -1.20 | 2.45 18 | 20 Poor
    Modigliani Square Measure % 6.14 7.17 5.23 | 9.22 17 | 20 Poor
    Alpha % -0.64 -0.67 -0.97 | -0.27 8 | 20 Good
    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 Nippon India Banking & Psu Debt Fund NAV Regular Growth Nippon India Banking & Psu Debt Fund NAV Direct Growth
    27-01-2026 21.249 22.1018
    23-01-2026 21.2414 22.0928
    22-01-2026 21.2389 22.09
    21-01-2026 21.2161 22.066
    20-01-2026 21.2136 22.0632
    19-01-2026 21.2197 22.0693
    16-01-2026 21.2289 22.0781
    14-01-2026 21.2586 22.1085
    13-01-2026 21.2709 22.121
    12-01-2026 21.2921 22.1428
    09-01-2026 21.2779 22.1273
    08-01-2026 21.2797 22.1289
    07-01-2026 21.2744 22.1232
    06-01-2026 21.2795 22.1282
    05-01-2026 21.2771 22.1255
    02-01-2026 21.2967 22.1451
    01-01-2026 21.3006 22.1489
    31-12-2025 21.2927 22.1405
    30-12-2025 21.2804 22.1274
    29-12-2025 21.288 22.1351

    Fund Launch Date: 05/May/2015
    Fund Category: Banking and PSU Fund
    Investment Objective: Portfolio Duration will be maintained between 1.5 - 3.5 years. The fund will tactically use up to 10 years G-Secs/ SDLs/ AAA Bonds to generate alpha. Strategy is to capture opportunity on the desired part of yield curve depending on the interest rate expectations going forward.
    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 & PSU Debt Index
    Source: Fund FactSheet

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