Previously Known As : Sbi Treasury Advantage Fund
Sbi Banking & Psu Fund Datagrid
Category Banking and PSU Fund
BMSMONEY Rank 15
Rating
Growth Option 31-07-2026
NAV ₹3298.13(R) +0.05% ₹3519.63(D) +0.05%
Returns 1Y 3Y 5Y 7Y 10Y
Lumpsum Regular 4.9% 6.88% 5.72% 6.23% 6.7%
Direct 5.31% 7.34% 6.19% 6.71% 7.21%
Benchmark
SIP (XIRR) Regular -10.08% 0.92% 4.57% 5.23% 5.45%
Direct -9.72% 1.35% 5.04% 5.71% 5.93%
Ratio Sharpe Ratio Sortino Ratio Sterling Ratio Jensen's Alpha Treynor Ratio
0.71 0.36 0.66 -0.62% 0.01
Risk STD. Dev VaR 1Y95% Max DD Beta Semi Devi.
1.5% -0.28% -0.44% 0.85 1.01%
Fund AUM As on: 30/12/2025 4178 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

NAV Date: 31-07-2026

Scheme Name NAV Rupee Change Percent Change
SBI Banking & PSU Fund - Regular Plan - Monthly Income Distribution cum Capital Withdrawal Option (IDCW) 1225.91
-4.3400
-0.3500%
SBI Banking & PSU Fund - Direct Plan - Monthly Income Distribution cum Capital Withdrawal Option (IDCW) 1317.26
-4.2800
-0.3200%
SBI Banking & PSU Fund - Regular Plan - Weekly Income Distribution cum Capital Withdrawal Option (IDCW) 1504.34
0.8100
0.0500%
SBI Banking & PSU Fund - Regular Plan - Daily Income Distribution cum Capital Withdrawal Option (IDCW) 1504.7
0.8100
0.0500%
SBI Banking & PSU Fund - Direct Plan - Weekly Income Distribution cum Capital Withdrawal Option (IDCW) 1546.86
0.8500
0.0500%
SBI Banking & PSU Fund - Direct Plan - Daily Income Distribution cum Capital Withdrawal Option (IDCW) 1550.3
0.8500
0.0500%
SBI BANKING & PSU FUND - Regular Paln - Growth 3298.13
1.7700
0.0500%
SBI BANKING & PSU FUND - Direct Plan - Growth 3519.63
1.9200
0.0500%

Review Date: 31-07-2026

Beginning of Analysis

SBI Banking & Psu Fund is the 7th ranked fund in the Banking and PSU Debt Fund category. The category has total 20 funds. The SBI Banking & Psu Fund has shown a very good past performence in Banking and PSU Debt Fund. The fund has a Jensen Alpha of -0.62% which is lower than the category average of -0.45%, reflecting poor performance. The fund has a Sharpe Ratio of 0.71 which is lower than the category average of 0.81.
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 0.39%, 2.27 and 3.22 in last one, three and six months respectively. In the same period the category average return was 0.27%, 2.25% and 3.23% respectively.
  • SBI Banking & Psu Fund has given a return of 5.31% in last one year. In the same period the Banking and PSU Debt Fund category average return was 5.29%.
  • The fund has given a return of 7.34% in last three years and ranked 9.0th out of nineteen funds in the category. In the same period the Banking and PSU Debt Fund category average return was 7.28%.
  • The fund has given a return of 6.19% in last five years and ranked 13th out of seventeen funds in the category. In the same period the Banking and PSU Debt Fund category average return was 6.39%.
  • The fund has given a return of 7.21% in last ten years and ranked 9th out of fourteen funds in the category. In the same period the category average return was 7.15%.
  • The fund has given a SIP return of -9.72% in last one year whereas category average SIP return is -9.74%. The fund one year return rank in the category is 11th in 20 funds
  • The fund has SIP return of 1.35% in last three years and ranks 9th in 19 funds. Franklin India Banking & Psu Debt Fund has given the highest SIP return (1.75%) in the category in last three years.
  • The fund has SIP return of 5.04% in last five years whereas category average SIP return is 5.08%.

SBI Banking & Psu Fund Risk Analysis

  • The fund has a standard deviation of 1.5 and semi deviation of 1.01. The category average standard deviation is 1.46 and semi deviation is 0.96.
  • The fund has a Value at Risk (VaR) of -0.28 and a maximum drawdown of -0.44. The category average VaR is -0.33 and the maximum drawdown is -0.36. The fund has a beta of 0.79 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 % 0.36
    0.24
    		0.11 | 0.52 3 | 20 Very Good
    3M Return % 2.17
    2.16
    		1.49 | 2.48 11 | 20 Average
    6M Return % 3.03
    3.05
    		2.59 | 3.53 15 | 20 Average
    1Y Return % 4.90
    4.92
    		4.23 | 5.91 11 | 20 Average
    3Y Return % 6.88
    6.91
    		6.53 | 7.23 14 | 19 Average
    5Y Return % 5.72
    6.01
    		5.55 | 7.37 15 | 17 Average
    7Y Return % 6.23
    6.49
    		5.96 | 6.92 12 | 15 Average
    10Y Return % 6.70
    6.78
    		6.33 | 7.13 10 | 14 Average
    1Y SIP Return % -10.08
    -10.07
    		-10.76 | -9.36 11 | 20 Average
    3Y SIP Return % 0.92
    0.93
    		0.47 | 1.42 11 | 19 Average
    5Y SIP Return % 4.57
    4.70
    		4.26 | 5.38 13 | 17 Average
    7Y SIP Return % 5.23
    5.48
    		5.08 | 6.26 13 | 15 Poor
    10Y SIP Return % 5.45
    5.61
    		5.19 | 5.88 11 | 14 Average
    Standard Deviation 1.50
    1.46
    		0.98 | 2.08 10 | 19 Good
    Semi Deviation 1.01
    0.96
    		0.63 | 1.41 10 | 19 Good
    Max Drawdown % -0.44
    -0.36
    		-0.89 | 0.00 12 | 19 Average
    VaR 1 Y % -0.28
    -0.33
    		-1.21 | 0.00 11 | 19 Average
    Average Drawdown % 0.17
    0.17
    		0.00 | 0.38 11 | 19 Average
    Sharpe Ratio 0.71
    0.81
    		0.53 | 1.29 14 | 19 Average
    Sterling Ratio 0.66
    0.67
    		0.63 | 0.71 14 | 19 Average
    Sortino Ratio 0.36
    0.44
    		0.26 | 0.81 14 | 19 Average
    Jensen Alpha % -0.62
    -0.45
    		-1.09 | 0.42 13 | 19 Average
    Treynor Ratio 0.01
    0.02
    		0.01 | 0.03 9 | 19 Good
    Modigliani Square Measure % 1.03
    1.18
    		0.77 | 1.88 14 | 19 Average
    Alpha % -0.93
    -0.75
    		-1.08 | -0.29 15 | 19 Average
    Return data last Updated On : July 31, 2026.
    Other parameters, fund ranking, non return related analysis are updated after every month end. Last Updated On : June 30, 2026
    KPIs: Key Performance Indicators

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    KPIs* Fund Benchmark Cat. Avg Min | Max Rank (In Cat.) Performance
    1M Return % 0.39 0.27 0.14 | 0.55 3 | 20 Very Good
    3M Return % 2.27 2.25 1.62 | 2.59 11 | 20 Average
    6M Return % 3.22 3.23 2.83 | 3.69 13 | 20 Average
    1Y Return % 5.31 5.29 4.54 | 6.23 10 | 20 Good
    3Y Return % 7.34 7.28 6.86 | 7.59 9 | 19 Good
    5Y Return % 6.19 6.39 5.94 | 7.65 13 | 17 Average
    7Y Return % 6.71 6.86 6.24 | 7.14 12 | 15 Average
    10Y Return % 7.21 7.15 6.53 | 7.54 9 | 14 Average
    1Y SIP Return % -9.72 -9.74 -10.48 | -9.07 11 | 20 Average
    3Y SIP Return % 1.35 1.29 0.88 | 1.75 9 | 19 Good
    5Y SIP Return % 5.04 5.08 4.75 | 5.66 9 | 17 Good
    7Y SIP Return % 5.71 5.85 5.44 | 6.52 11 | 15 Average
    10Y SIP Return % 5.93 5.98 5.47 | 6.30 9 | 14 Average
    Standard Deviation 1.50 1.46 0.98 | 2.08 10 | 19 Good
    Semi Deviation 1.01 0.96 0.63 | 1.41 10 | 19 Good
    Max Drawdown % -0.44 -0.36 -0.89 | 0.00 12 | 19 Average
    VaR 1 Y % -0.28 -0.33 -1.21 | 0.00 11 | 19 Average
    Average Drawdown % 0.17 0.17 0.00 | 0.38 11 | 19 Average
    Sharpe Ratio 0.71 0.81 0.53 | 1.29 14 | 19 Average
    Sterling Ratio 0.66 0.67 0.63 | 0.71 14 | 19 Average
    Sortino Ratio 0.36 0.44 0.26 | 0.81 14 | 19 Average
    Jensen Alpha % -0.62 -0.45 -1.09 | 0.42 13 | 19 Average
    Treynor Ratio 0.01 0.02 0.01 | 0.03 9 | 19 Good
    Modigliani Square Measure % 1.03 1.18 0.77 | 1.88 14 | 19 Average
    Alpha % -0.93 -0.75 -1.08 | -0.29 15 | 19 Average
    Return data last Updated On : July 31, 2026.
    Other parameters, fund ranking, non return related analysis are updated after every month end. Last Updated On : June 30, 2026
    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
    31-07-2026 3298.1317 3519.6286
    30-07-2026 3296.3635 3517.7043
    29-07-2026 3297.3213 3518.6891
    28-07-2026 3298.2706 3519.6647
    27-07-2026 3297.1442 3518.4253
    24-07-2026 3292.1192 3512.9512
    23-07-2026 3291.0603 3511.7839
    22-07-2026 3291.503 3512.219
    21-07-2026 3293.2211 3514.015
    20-07-2026 3291.4256 3512.0618
    17-07-2026 3291.9397 3512.4985
    16-07-2026 3289.9577 3510.3464
    15-07-2026 3288.1454 3508.3755
    14-07-2026 3286.9838 3507.0989
    13-07-2026 3292.5641 3513.0155
    10-07-2026 3291.1398 3511.384
    09-07-2026 3288.5965 3508.6332
    08-07-2026 3287.6687 3507.606
    07-07-2026 3294.196 3514.5338
    06-07-2026 3295.2593 3515.6322
    03-07-2026 3293.8009 3513.9677
    02-07-2026 3291.3492 3511.316
    01-07-2026 3287.5991 3507.2792
    30-06-2026 3286.346 3505.9062

    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.