Sbi Banking & Psu Fund

Review Date: 25-03-2025

Beginning of Analysis

Sbi Banking & Psu Fund is the 15th ranked fund in the Banking and PSU Debt Fund category. The category has total 19 funds. The Sbi Banking & Psu Fund has shown a poor past performence in Banking and PSU Debt Fund category. The fund has a Jensen Alpha of 1.39% which is lower than the category average of 1.99%, showing poor performance. The fund has a Sharpe Ratio of -0.77 which is lower than the category average of -0.55.
The past performance of the Sbi Banking & Psu 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.
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.

Sbi Banking & Psu Fund Return Analysis

The fund has given a return of 0.81%, 2.08 and 3.57 in last one, three and six months respectively. In the same period the category average return was 0.76%, 1.99% and 3.59% respectively. The fund has given a return of 8.22% in last one year, 6.54% in last three years, 6.99% in last five years and 7.55% in last ten years. In the same period the category average return was 8.16%, 6.74%, 7.21% and 7.46% respectively. The fund has Good performance in last ten years in Banking and PSU Debt Fund.

The fund has given a SIP return of 8.25% in last one year. In the same period the category average SIP return was 8.09%. The fund has SIP return of 7.63% in last three years whereas category average SIP return is 7.65%. The category average SIP return is 5.94% and the fund has given a SIP return of 5.76% in last five years.

Sbi Banking & Psu Fund Risk Analysis

The fund has a standard deviation of 1.12 and semi deviation of 0.89. The category average standard deviation is 1.26 and semi deviation is 0.92. The fund has a Value at Risk (VaR) of -0.0 and a maximum drawdown of -0.93. The category average VaR is -0.36 and the maximum drawdown is -0.86. The fund has a beta of 0.66 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.