Nippon India Banking & Psu Debt Fund Overview
Category Banking and PSU Fund
BMSMONEY Rank 9
Rating
Growth Option 22-04-2025
NAV ₹20.6(R) +0.06% ₹21.36(D) +0.06%
Returns 1Y 3Y 5Y 7Y 10Y
Lumpsum Regular 9.59% 7.01% 6.54% 7.39% -%
Direct 10.02% 7.46% 7.01% 7.86% -%
Benchmark
SIP (XIRR) Regular 10.55% 4.25% 5.57% 6.48% -%
Direct 10.97% 4.66% 6.02% 6.95% -%
Ratio Sharpe Ratio Sortino Ratio Sterling Ratio Jensen's Alpha Treynor Ratio
-0.21 -0.08 0.59 1.27% 0.0
Risk STD. Dev VaR 1Y95% Max DD Beta Semi Devi.
1.25% -0.2% -0.81% 0.74 0.94%

NAV Date: 22-04-2025

Scheme Name NAV Rupee Change Percent Change
NIPPON INDIA BANKING & PSU DEBT FUND - WEEKLY IDCW Option 10.47
-0.0100
-0.1200%
NIPPON INDIA BANKING & PSU DEBT FUND - Direct Plan - WEEKLY IDCW Option 10.47
-0.0100
-0.1300%
NIPPON INDIA BANKING & PSU DEBT FUND - MONTHLY IDCW Option 10.66
-0.2200
-2.0300%
NIPPON INDIA BANKING & PSU DEBT FUND - Direct Plan - MONTHLY IDCW Option 10.73
-0.2300
-2.0600%
NIPPON INDIA BANKING & PSU DEBT FUND - QUARTERLY IDCW Option 11.01
0.0100
0.0600%
NIPPON INDIA BANKING & PSU DEBT FUND - Direct Plan - QUARTERLY IDCW Option 11.07
0.0100
0.0600%
Nippon India Banking & PSU Debt Fund- Growth Plan- Growth Option 20.6
0.0100
0.0600%
NIPPON INDIA BANKING & PSU DEBT FUND - IDCW Option 20.6
0.0100
0.0600%
Nippon India Banking & PSU Debt Fund- Direct Plan-Growth Plan- Growth Option 21.36
0.0100
0.0600%
Nippon India Banking & PSU Debt Fund- Direct Plan-Growth Plan- Bonus Option 21.36
0.0100
0.0600%
NIPPON INDIA BANKING & PSU DEBT FUND - Direct Plan - IDCW Option 21.36
0.0100
0.0600%

Review Date: 22-04-2025

Beginning of Analysis

Nippon India Banking & Psu Debt Fund is the 9th ranked fund in the Banking and PSU Debt Fund category. The category has total 19 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 1.27% which is lower than the category average of 1.9%, showing poor performance. The fund has a Sharpe Ratio of -0.21 which is lower than the category average of -0.2.
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 2.08%, 3.44 and 5.27 in last one, three and six months respectively. In the same period the category average return was 1.88%, 3.24% and 5.02% respectively.
  • Nippon India Banking & Psu Debt Fund has given a return of 10.02% in last one year. In the same period the Banking and PSU Debt Fund category average return was 9.72%.
  • The fund has given a return of 7.46% in last three years and ranked 8.0th out of 19 funds in the category. In the same period the Banking and PSU Debt Fund category average return was 7.45%.
  • The fund has given a return of 7.01% in last five years and ranked 7th out of 15 funds in the category. In the same period the Banking and PSU Debt Fund category average return was 6.81%.
  • The fund has given a SIP return of 10.97% in last one year whereas category average SIP return is 10.54%. The fund one year return rank in the category is 6th in 22 funds
  • The fund has SIP return of 4.66% in last three years and ranks 4th in 19 funds. Dsp Banking & Psu Debt Fund has given the highest SIP return (4.85%) in the category in last three years.
  • The fund has SIP return of 6.02% in last five years whereas category average SIP return is 5.91%.

Nippon India Banking & Psu Debt Fund Risk Analysis

  • The fund has a standard deviation of 1.25 and semi deviation of 0.94. The category average standard deviation is 1.34 and semi deviation is 0.96.
  • The fund has a Value at Risk (VaR) of -0.2 and a maximum drawdown of -0.81. The category average VaR is -0.37 and the maximum drawdown is -0.87. The fund has a beta of 0.74 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

  • 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
    22-04-2025 20.5997 21.3615
    21-04-2025 20.5875 21.3487
    17-04-2025 20.5525 21.3115
    16-04-2025 20.5236 21.2812
    15-04-2025 20.5039 21.2606
    11-04-2025 20.4798 21.2346
    09-04-2025 20.4532 21.2067
    08-04-2025 20.4206 21.1727
    07-04-2025 20.4252 21.1772
    04-04-2025 20.4277 21.1792
    03-04-2025 20.4121 21.1628
    02-04-2025 20.4037 21.1539
    28-03-2025 20.2965 21.0417
    27-03-2025 20.2649 21.0087
    26-03-2025 20.2274 20.9696
    25-03-2025 20.2 20.9409
    24-03-2025 20.1863 20.9265

    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.