Nippon India Banking & Psu Debt Fund Datagrid
Category Banking and PSU Fund
BMSMONEY Rank 10
Rating
Growth Option 04-12-2025
NAV ₹21.3(R) -0.02% ₹22.14(D) -0.01%
Returns 1Y 3Y 5Y 7Y 10Y
Lumpsum Regular 7.53% 7.42% 5.82% 7.31% 7.3%
Direct 7.95% 7.85% 6.27% 7.78% 7.7%
Benchmark
SIP (XIRR) Regular 6.75% 7.55% 6.08% 6.42% 6.84%
Direct 7.17% 7.98% 6.51% 6.87% 7.28%
Ratio Sharpe Ratio Sortino Ratio Sterling Ratio Jensen's Alpha Treynor Ratio
1.39 0.82 0.74 -0.18% 0.02
Risk STD. Dev VaR 1Y95% Max DD Beta Semi Devi.
1.26% 0.0% -0.29% 0.96 0.86%
Fund AUM As on: 30/06/2025 5868 Cr
Top Banking and PSU Fund
Fund Name Rank Rating
Franklin India Banking & Psu Debt Fund 1
UTI Banking & PSU Fund 2
ICICI Prudential Banking & PSU Debt Fund 3
Sundaram Banking & PSU Fund 4

NAV Date: 04-12-2025

Scheme Name NAV Rupee Change Percent Change
NIPPON INDIA BANKING & PSU DEBT FUND - WEEKLY IDCW Option 10.36
0.0000
-0.0200%
NIPPON INDIA BANKING & PSU DEBT FUND - Direct Plan - WEEKLY IDCW Option 10.36
0.0000
-0.0100%
NIPPON INDIA BANKING & PSU DEBT FUND - MONTHLY IDCW Option 10.69
0.0000
-0.0100%
NIPPON INDIA BANKING & PSU DEBT FUND - Direct Plan - MONTHLY IDCW Option 10.76
0.0000
-0.0100%
NIPPON INDIA BANKING & PSU DEBT FUND - QUARTERLY IDCW Option 10.94
0.0000
-0.0200%
NIPPON INDIA BANKING & PSU DEBT FUND - Direct Plan - QUARTERLY IDCW Option 11.0
0.0000
-0.0100%
Nippon India Banking & PSU Debt Fund- Growth Plan- Growth Option 21.3
0.0000
-0.0200%
NIPPON INDIA BANKING & PSU DEBT FUND - IDCW Option 21.3
0.0000
-0.0200%
Nippon India Banking & PSU Debt Fund- Direct Plan-Growth Plan- Growth Option 22.14
0.0000
-0.0100%
Nippon India Banking & PSU Debt Fund- Direct Plan-Growth Plan- Bonus Option 22.14
0.0000
-0.0100%
NIPPON INDIA BANKING & PSU DEBT FUND - Direct Plan - IDCW Option 22.14
0.0000
-0.0100%

Review Date: 04-12-2025

Beginning of Analysis

In the Banking and PSU Debt Fund category, Nippon India Banking & Psu Debt Fund is the 13th ranked fund. The category has total 20 funds. The Nippon India Banking & Psu Debt Fund has shown an average past performence in Banking and PSU Debt Fund. The fund has a Jensen Alpha of -0.18% which is lower than the category average of 0.69%, showing poor performance. The fund has a Sharpe Ratio of 1.39 which is lower than the category average of 1.52.
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 0.38%, 1.89 and 2.23 in last one, three and six months respectively. In the same period the category average return was 0.42%, 1.85% and 2.44% respectively.
  • Nippon India Banking & Psu Debt Fund has given a return of 7.95% in last one year. In the same period the Banking and PSU Debt Fund category average return was 7.9%.
  • The fund has given a return of 7.85% in last three years and ranked 5.0th out of 20 funds in the category. In the same period the Banking and PSU Debt Fund category average return was 7.71%.
  • The fund has given a return of 6.27% in last five years and ranked 6th out of 17 funds in the category. In the same period the Banking and PSU Debt Fund category average return was 6.19%.
  • The fund has given a return of 7.7% in last ten years and ranked 5th out of 14 funds in the category. In the same period the category average return was 7.46%.
  • The fund has given a SIP return of 7.17% in last one year whereas category average SIP return is 7.22%. The fund one year return rank in the category is 14th in 21 funds
  • The fund has SIP return of 7.98% in last three years and ranks 7th in 20 funds. Kotak Banking And Psu Debt Fund has given the highest SIP return (8.23%) in the category in last three years.
  • The fund has SIP return of 6.51% in last five years whereas category average SIP return is 6.46%.

Nippon India Banking & Psu Debt Fund Risk Analysis

  • The fund has a standard deviation of 1.26 and semi deviation of 0.86. The category average standard deviation is 1.11 and semi deviation is 0.75.
  • The fund has a Value at Risk (VaR) of 0.0 and a maximum drawdown of -0.29. The category average VaR is -0.04 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 % 0.35
    0.39
    		0.30 | 0.64 16 | 21 Average
    3M Return % 1.79
    1.76
    		1.41 | 2.13 9 | 21 Good
    6M Return % 2.03
    2.25
    		1.63 | 2.76 16 | 21 Average
    1Y Return % 7.53
    7.50
    		6.91 | 7.88 13 | 21 Average
    3Y Return % 7.42
    7.32
    		6.94 | 7.62 8 | 20 Good
    5Y Return % 5.82
    5.80
    		5.20 | 6.99 8 | 17 Good
    7Y Return % 7.31
    7.06
    		6.21 | 7.91 4 | 15 Very Good
    10Y Return % 7.30
    7.09
    		6.45 | 7.47 4 | 14 Very Good
    1Y SIP Return % 6.75
    6.83
    		6.10 | 7.42 14 | 21 Average
    3Y SIP Return % 7.55
    7.49
    		7.09 | 7.82 9 | 20 Good
    5Y SIP Return % 6.08
    6.09
    		5.75 | 6.88 9 | 17 Good
    7Y SIP Return % 6.42
    6.36
    		5.88 | 6.93 7 | 15 Good
    10Y SIP Return % 6.84
    6.68
    		6.21 | 7.00 4 | 14 Very Good
    Standard Deviation 1.26
    1.11
    		0.77 | 1.59 16 | 19 Poor
    Semi Deviation 0.86
    0.75
    		0.50 | 1.09 16 | 19 Poor
    Max Drawdown % -0.29
    -0.13
    		-0.40 | 0.00 18 | 19 Poor
    VaR 1 Y % 0.00
    -0.04
    		-0.45 | 0.00 17 | 19 Poor
    Average Drawdown % -0.19
    -0.10
    		-0.25 | 0.00 18 | 19 Poor
    Sharpe Ratio 1.39
    1.52
    		1.14 | 2.06 13 | 19 Average
    Sterling Ratio 0.74
    0.74
    		0.71 | 0.76 12 | 19 Average
    Sortino Ratio 0.82
    0.97
    		0.62 | 1.36 13 | 19 Average
    Jensen Alpha % -0.18
    0.69
    		-1.63 | 2.80 16 | 19 Poor
    Treynor Ratio 0.02
    0.02
    		0.02 | 0.03 13 | 19 Average
    Modigliani Square Measure % 6.33
    7.22
    		5.22 | 9.43 14 | 19 Average
    Alpha % -0.64
    -0.74
    		-1.01 | -0.48 7 | 19 Good
    Return data last Updated On : Dec. 4, 2025.
    Other parameters, fund ranking, non return related analysis are updated after every month end. Last Updated On : Oct. 31, 2025
    KPIs: Key Performance Indicators

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    KPIs* Fund Benchmark Cat. Avg Min | Max Rank (In Cat.) Performance
    1M Return % 0.38 0.42 0.32 | 0.67 16 | 21 Average
    3M Return % 1.89 1.85 1.55 | 2.22 8 | 21 Good
    6M Return % 2.23 2.44 1.76 | 2.93 17 | 21 Average
    1Y Return % 7.95 7.90 7.23 | 8.26 11 | 21 Good
    3Y Return % 7.85 7.71 7.26 | 7.99 5 | 20 Very Good
    5Y Return % 6.27 6.19 5.60 | 7.24 6 | 17 Good
    7Y Return % 7.78 7.44 6.40 | 8.25 3 | 15 Very Good
    10Y Return % 7.70 7.46 6.77 | 7.84 5 | 14 Good
    1Y SIP Return % 7.17 7.22 6.40 | 7.80 14 | 21 Average
    3Y SIP Return % 7.98 7.88 7.41 | 8.23 7 | 20 Good
    5Y SIP Return % 6.51 6.46 6.16 | 7.15 5 | 17 Very Good
    7Y SIP Return % 6.87 6.73 6.26 | 7.17 6 | 15 Good
    10Y SIP Return % 7.28 7.05 6.51 | 7.42 3 | 14 Very Good
    Standard Deviation 1.26 1.11 0.77 | 1.59 16 | 19 Poor
    Semi Deviation 0.86 0.75 0.50 | 1.09 16 | 19 Poor
    Max Drawdown % -0.29 -0.13 -0.40 | 0.00 18 | 19 Poor
    VaR 1 Y % 0.00 -0.04 -0.45 | 0.00 17 | 19 Poor
    Average Drawdown % -0.19 -0.10 -0.25 | 0.00 18 | 19 Poor
    Sharpe Ratio 1.39 1.52 1.14 | 2.06 13 | 19 Average
    Sterling Ratio 0.74 0.74 0.71 | 0.76 12 | 19 Average
    Sortino Ratio 0.82 0.97 0.62 | 1.36 13 | 19 Average
    Jensen Alpha % -0.18 0.69 -1.63 | 2.80 16 | 19 Poor
    Treynor Ratio 0.02 0.02 0.02 | 0.03 13 | 19 Average
    Modigliani Square Measure % 6.33 7.22 5.22 | 9.43 14 | 19 Average
    Alpha % -0.64 -0.74 -1.01 | -0.48 7 | 19 Good
    Return data last Updated On : Dec. 4, 2025.
    Other parameters, fund ranking, non return related analysis are updated after every month end. Last Updated On : Oct. 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
    04-12-2025 21.2951 22.1362
    03-12-2025 21.2989 22.1399
    02-12-2025 21.2984 22.1391
    01-12-2025 21.2908 22.131
    28-11-2025 21.3051 22.1451
    27-11-2025 21.3062 22.1461
    26-11-2025 21.307 22.1466
    25-11-2025 21.29 22.1287
    24-11-2025 21.2788 22.1169
    21-11-2025 21.2658 22.1025
    20-11-2025 21.2683 22.1049
    19-11-2025 21.2657 22.1019
    18-11-2025 21.2537 22.0892
    17-11-2025 21.2491 22.0842
    14-11-2025 21.2496 22.084
    13-11-2025 21.2581 22.0926
    12-11-2025 21.2593 22.0937
    11-11-2025 21.2493 22.083
    10-11-2025 21.249 22.0824
    07-11-2025 21.2346 22.0667
    06-11-2025 21.2296 22.0613
    04-11-2025 21.2211 22.052

    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.