Previously Known As : Sbi Treasury Advantage Fund
Sbi Banking & Psu Fund Overview
Category Banking and PSU Fund
BMSMONEY Rank 9
Rating
Growth Option 18-07-2025
NAV ₹3141.73(R) +0.06% ₹3339.28(D) +0.06%
Returns 1Y 3Y 5Y 7Y 10Y
Lumpsum Regular 8.99% 7.35% 5.51% 6.95% 7.1%
Direct 9.46% 7.84% 6.0% 7.45% 7.62%
Benchmark
SIP (XIRR) Regular -7.33% 2.44% 4.82% 5.79% 6.04%
Direct -6.95% 2.92% 5.31% 6.29% 6.55%
Ratio Sharpe Ratio Sortino Ratio Sterling Ratio Jensen's Alpha Treynor Ratio
1.33 0.91 0.73 1.76% 0.02
Risk STD. Dev VaR 1Y95% Max DD Beta Semi Devi.
1.13% 0.0% -0.03% 0.67 0.7%
Fund AUM As on: 30/06/2025 4035 Cr

NAV Date: 18-07-2025

Scheme Name NAV Rupee Change Percent Change
SBI Banking & PSU Fund - Regular Plan - Monthly Income Distribution cum Capital Withdrawal Option (IDCW) 1231.45
0.7300
0.0600%
SBI Banking & PSU Fund - Direct Plan - Monthly Income Distribution cum Capital Withdrawal Option (IDCW) 1313.32
0.7900
0.0600%
SBI Banking & PSU Fund - Regular Plan - Weekly Income Distribution cum Capital Withdrawal Option (IDCW) 1433.0
0.8500
0.0600%
SBI Banking & PSU Fund - Regular Plan - Daily Income Distribution cum Capital Withdrawal Option (IDCW) 1433.34
0.8500
0.0600%
SBI Banking & PSU Fund - Direct Plan - Weekly Income Distribution cum Capital Withdrawal Option (IDCW) 1467.6
0.8800
0.0600%
SBI Banking & PSU Fund - Direct Plan - Daily Income Distribution cum Capital Withdrawal Option (IDCW) 1470.86
0.8900
0.0600%
SBI BANKING & PSU FUND - Regular Paln - Growth 3141.73
1.8600
0.0600%
SBI BANKING & PSU FUND - Direct Plan - Growth 3339.28
2.0100
0.0600%

Review Date: 18-07-2025

Beginning of Analysis

In the Banking and PSU Debt Fund category, Sbi Banking & Psu Fund is the 9th ranked fund. The category has total 19 funds. The Sbi Banking & Psu Fund has shown an average past performence in Banking and PSU Debt Fund. The fund has a Jensen Alpha of 1.76% which is higher than the category average of 1.44%. Here the fund has shown good performance in terms of risk adjusted returns. The fund has a Sharpe Ratio of 1.33 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.

Sbi Banking & Psu Fund Return Analysis

  • The fund has given a return of 0.49%, 1.87 and 5.31 in last one, three and six months respectively. In the same period the category average return was 0.49%, 1.81% and 5.13% respectively.
  • Sbi Banking & Psu Fund has given a return of 9.46% in last one year. In the same period the Banking and PSU Debt Fund category average return was 9.29%.
  • The fund has given a return of 7.84% in last three years and ranked 10.0th out of 19 funds in the category. In the same period the Banking and PSU Debt Fund category average return was 7.86%.
  • The fund has given a return of 6.0% in last five years and ranked 13th out of 15 funds in the category. In the same period the Banking and PSU Debt Fund category average return was 6.26%.
  • The fund has given a return of 7.62% in last ten years and ranked 8th out of 14 funds in the category. In the same period the category average return was 7.59%.
  • The fund has given a SIP return of -6.95% in last one year whereas category average SIP return is -7.13%. The fund one year return rank in the category is 6th in 22 funds
  • The fund has SIP return of 2.92% in last three years and ranks 10th in 19 funds. Edelweiss Banking & PSU Debt Fund has given the highest SIP return (3.1%) in the category in last three years.
  • The fund has SIP return of 5.31% in last five years whereas category average SIP return is 5.47%.

Sbi Banking & Psu Fund Risk Analysis

  • The fund has a standard deviation of 1.13 and semi deviation of 0.7. The category average standard deviation is 1.14 and semi deviation is 0.75.
  • The fund has a Value at Risk (VaR) of 0.0 and a maximum drawdown of -0.03. The category average VaR is -0.02 and the maximum drawdown is -0.17. The fund has a beta of 0.73 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 % 0.46
    0.46
    0.32 | 0.69 13 | 22 Average
    3M Return % 1.77
    1.72
    1.41 | 2.04 8 | 22 Good
    6M Return % 5.11
    4.95
    4.30 | 5.26 5 | 22 Very Good
    1Y Return % 8.99
    8.88
    8.07 | 9.42 10 | 22 Good
    3Y Return % 7.35
    7.45
    7.10 | 7.88 12 | 19 Average
    5Y Return % 5.51
    5.89
    5.15 | 6.95 13 | 15 Poor
    7Y Return % 6.95
    7.20
    6.29 | 8.02 11 | 15 Average
    10Y Return % 7.10
    7.22
    6.59 | 7.66 10 | 14 Average
    1Y SIP Return % -7.33
    -7.46
    -8.37 | -7.05 6 | 22 Very Good
    3Y SIP Return % 2.44
    2.48
    2.03 | 2.76 12 | 19 Average
    5Y SIP Return % 4.82
    5.09
    4.67 | 5.98 14 | 15 Poor
    7Y SIP Return % 5.79
    6.07
    5.54 | 6.52 12 | 15 Average
    10Y SIP Return % 6.04
    6.19
    5.69 | 6.49 11 | 14 Average
    Standard Deviation 1.13
    1.14
    0.78 | 1.79 11 | 19 Average
    Semi Deviation 0.70
    0.75
    0.49 | 1.27 11 | 19 Average
    Max Drawdown % -0.03
    -0.17
    -0.68 | 0.00 5 | 19 Very Good
    VaR 1 Y % 0.00
    -0.02
    -0.45 | 0.00 17 | 19 Poor
    Average Drawdown % -0.03
    -0.13
    -0.56 | 0.00 5 | 19 Very Good
    Sharpe Ratio 1.33
    1.47
    1.10 | 2.53 12 | 19 Average
    Sterling Ratio 0.73
    0.73
    0.71 | 0.78 9 | 19 Good
    Sortino Ratio 0.91
    1.01
    0.63 | 2.60 11 | 19 Average
    Jensen Alpha % 1.76
    1.44
    -1.88 | 3.82 9 | 19 Good
    Treynor Ratio 0.02
    0.02
    0.02 | 0.04 10 | 19 Good
    Modigliani Square Measure % 7.55
    7.94
    5.37 | 11.30 11 | 19 Average
    Alpha % -1.01
    -0.74
    -1.06 | -0.23 18 | 19 Poor
    Return data last Updated On : July 18, 2025.
    Other parameters, fund ranking, non return related analysis are updated after every month end. Last Updated On : June 30, 2025
    KPIs: Key Performance Indicators

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    KPIs* Fund Benchmark Cat. Avg Min | Max Rank (In Cat.) Performance
    1M Return % 0.49 0.49 0.35 | 0.71 13 | 22
    3M Return % 1.87 1.81 1.49 | 2.09 7 | 22
    6M Return % 5.31 5.13 4.42 | 5.46 5 | 22
    1Y Return % 9.46 9.29 8.39 | 9.83 6 | 22
    3Y Return % 7.84 7.86 7.51 | 8.27 10 | 19
    5Y Return % 6.00 6.26 5.55 | 7.18 13 | 15
    7Y Return % 7.45 7.58 6.48 | 8.36 11 | 15
    10Y Return % 7.62 7.59 6.87 | 8.02 8 | 14
    1Y SIP Return % -6.95 -7.13 -8.12 | -6.67 6 | 22
    3Y SIP Return % 2.92 2.88 2.60 | 3.10 10 | 19
    5Y SIP Return % 5.31 5.47 5.06 | 6.26 11 | 15
    7Y SIP Return % 6.29 6.45 5.89 | 6.87 11 | 15
    10Y SIP Return % 6.55 6.56 5.96 | 6.91 10 | 14
    Standard Deviation 1.13 1.14 0.78 | 1.79 11 | 19
    Semi Deviation 0.70 0.75 0.49 | 1.27 11 | 19
    Max Drawdown % -0.03 -0.17 -0.68 | 0.00 5 | 19
    VaR 1 Y % 0.00 -0.02 -0.45 | 0.00 17 | 19
    Average Drawdown % -0.03 -0.13 -0.56 | 0.00 5 | 19
    Sharpe Ratio 1.33 1.47 1.10 | 2.53 12 | 19
    Sterling Ratio 0.73 0.73 0.71 | 0.78 9 | 19
    Sortino Ratio 0.91 1.01 0.63 | 2.60 11 | 19
    Jensen Alpha % 1.76 1.44 -1.88 | 3.82 9 | 19
    Treynor Ratio 0.02 0.02 0.02 | 0.04 10 | 19
    Modigliani Square Measure % 7.55 7.94 5.37 | 11.30 11 | 19
    Alpha % -1.01 -0.74 -1.06 | -0.23 18 | 19
    Return data last Updated On : July 18, 2025.
    Other parameters, fund ranking, non return related analysis are updated after every month end. Last Updated On : June 30, 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 Sbi Banking & Psu Fund NAV Regular Growth Sbi Banking & Psu Fund NAV Direct Growth
    18-07-2025 3141.7254 3339.2841
    17-07-2025 3139.8665 3337.2717
    16-07-2025 3138.4129 3335.6902
    15-07-2025 3139.0944 3336.3779
    14-07-2025 3138.8004 3336.0288
    11-07-2025 3137.4966 3334.5335
    10-07-2025 3137.1284 3334.1056
    09-07-2025 3137.3006 3334.2521
    08-07-2025 3137.7841 3334.7294
    07-07-2025 3137.8482 3334.761
    04-07-2025 3134.7989 3331.4108
    03-07-2025 3135.4423 3332.0581
    02-07-2025 3133.3239 3329.7704
    01-07-2025 3130.4563 3326.6865
    30-06-2025 3128.3636 3324.4261
    27-06-2025 3127.0684 3322.9405
    26-06-2025 3127.5751 3323.4425
    25-06-2025 3127.5841 3323.4156
    24-06-2025 3128.8234 3324.6962
    23-06-2025 3125.5048 3321.1334
    20-06-2025 3125.0907 3320.5841
    19-06-2025 3125.9934 3321.5069
    18-06-2025 3127.4867 3323.0572

    Fund Launch Date: 30/Sep/2009
    Fund Category: Banking and PSU Fund
    Investment Objective: The scheme seeks to generate regular income through a judicious mix of portfolio comprising predominantly debt and money market securities of Banks, Public Sector Undertakings, Public Financial Institutions and Municipal bodies.
    Fund Description: An open-ended Debt Scheme predominantly investing in debt instruments of banks, Public Sector Undertakings, Public Financial Institutions and Municipal bodies.
    Fund Benchmark: NIFTY Banking and PSU Debt
    Source: Fund FactSheet

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