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Banking & PSU Debtregulargrowth📊 NIFTY Banking & PSU Debt Index(SEBI default)

ITI Banking & PSU Debt Fund - Regular Plan - Growth Option

ITI Mutual Fund

#3 of 21 (1Y)

₹13.5245

0.01 (+0.05%)

NAV as of 29 May 2026

Today's NAV — all variants

Regular · Growth

₹₹13.5245

0.01 (+0.05%)

29 May 2026

AMFI: 148535

Direct · Growth

₹₹13.9473

0.01 (+0.06%)

29 May 2026

AMFI: 148534

Regular · IDCW

₹₹13.5256

0.01 (+0.05%)

29 May 2026

AMFI: 148533

Direct · IDCW

₹₹13.9457

0.01 (+0.06%)

29 May 2026

AMFI: 148536

Returns (Lumpsum)

CAGR for periods ≥ 1 year
1 Week-0.19%
1 Month-0.15%
3 Months+0.48%
6 Months+1.46%
1 Year+4.07%
3 Years (CAGR)+6.42%
5 Years (CAGR)+5.69%
10 Years (CAGR)
Since Inception (Oct 2020)+5.55%

SIP Returns (XIRR)

₹1,000/month SIP, annualised
1 Year SIP+3.56%
3 Year SIP+5.94%
5 Year SIP+6.03%
Since Inception (Oct 2020)+5.94%

SIP since inception — what ₹500/month became

Real NAV backtest from day one

₹33,500

Invested

₹39,601

Value today

5.9%

XIRR (p.a.)

500/month SIP from fund inception · Current value as of today

Try SIP Calculator with this fund's history

1,000 lumpsum at launch — value today

Invested on the fund's first NAV date

₹1,000

Invested

₹1,352

Value today

5.5%

CAGR (p.a.)

One-time investment at fund inception · Growth purely from NAV appreciation

Try Lumpsum Calculator

₹10L corpus with ₹5,000/month withdrawals since inception

Corpus is still growing despite monthly payouts

₹10,00,000

Initial corpus

₹3,35,000

Withdrawn

₹9,56,442

Corpus left

+₹2,91,442 net gain — withdrew ₹3,35,000 AND corpus grew

Plan your SWP with real NAV

₹1 lakh on the worst crash day — 03 Jun 2024

Worst single-day Nifty drop during this fund's life

₹1,00,000

Invested

₹1,12,529

Value today

1.1×

Multiple

Staying invested through that crash turned ₹1L into ₹1,12,529 — a 1.1× return

Read: Staying invested through crashes

Direct vs Regular — ₹500/month over 5 years

Expense ratio drag on your actual returns

Direct plan

₹36,110

Regular plan

₹35,577

Direct earns ₹533 more on a ₹30K investment0.36% extra return per year

Same fund, same NAV history — only the expense ratio differs. Direct plans always outperform Regular over time.

Learn about Direct vs Regular plans

Fund Details

Fund HouseITI Mutual Fund
CategoryBanking & PSU Debt
Plan Typeregular
Optiongrowth
AUM₹37.5 Cr
Expense Ratio0.70%
Min SIP₹500
Min Lumpsum₹1,000
BenchmarkNIFTY Banking & PSU Debt Index
Launch Date22 Oct 2020
AMFI Code148535

Risk Metrics

Trailing 1 year, annualised

-0.43

Sharpe Ratio

Alpha

Beta

-0.45

Sortino

0.84%

Std Dev

-0.31%

Max Drawdown

Portfolio Holdings

Holdings data not yet available for this fund.

Performance Comparison

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Investment Objective

ITI Banking & PSU Debt Fund - Regular Plan - Growth Option by ITI Mutual Fund is a Banking & PSU Debt fund that aims to generate optimal returns for investors based on its investment mandate. The fund follows a disciplined investment process aligned with SEBI regulations for the Banking & PSU Debt category.

About This Fund

ITI Banking & PSU Debt Fund - Regular Plan - Growth Option is a Banking & PSU Debt mutual fund offered by ITI Mutual Fund. The fund has been operational for over 5 years. It manages assets worth ₹37.5 Cr, reflecting investor confidence in the fund's strategy. It benchmarks its performance against NIFTY Banking & PSU Debt Index. The current expense ratio is 0.70%.

Who Should Invest?

  • Investors with a high risk appetite seeking long-term wealth creation
  • Investors with an investment horizon of 5 years or more
  • SIP investors who can benefit from rupee cost averaging during market fluctuations