Nippon India Banking and PSU Fund · Regular · Growth
NAV
₹21.9526
as of 31 Jul 2026
Expense Ratio
0.78%
AUM
₹5,168 Cr
Lumpsum returns (CAGR)
- 1Y
- +4.75%
- 3Y
- +6.91%
- 5Y
- +5.96%
- Since Inception
- +7.26%
SIP returns (XIRR)
- 1Y
- +5.68%
- 3Y
- +6.63%
- 5Y
- +6.54%
- Since Inception
- +6.00%
Returns calculated from 24 August 2016 onwards due to a structural change in the scheme on that date. Earlier NAV history is preserved but excluded from multi-year return calculations. Periods spanning this date show —.
What history actually did — last 5 years (Aug 2021 – Jul 2026)
A ₹5,000 monthly SIP for the last 5 years (Aug 2021 – Jul 2026)
Real NAV backtest
A ₹5,000 monthly SIP would be worth ₹3,46,860 today — ₹2,95,000 invested, 6.6% XIRR.
₹2,95,000
Invested
₹3,46,860
Value today
6.6%
XIRR (p.a.)
A ₹1,00,000 lumpsum, the last 5 years (Aug 2021 – Jul 2026)
Real NAV backtest
₹1,00,000 invested 5 years ago would be ₹1,33,538 today (6.0% CAGR).
A regular withdrawal plan (SWP)
Real NAV backtest
A ₹10,00,000 corpus withdrawing ₹5,000/month since Aug 2021 would still hold ₹9,88,521.
Buying the worst day
Real NAV backtest
₹1,00,000 invested on the worst market day of the last 5 years (Aug 2021 – Jul 2026) (3 Jun 2024) would be ₹1,15,464 today (1.16×).
Historical simulation using actual published NAVs for the stated period. Past performance may or may not be sustained in the future. Not investment advice.
Risk Metrics
Trailing 1 year, annualised0.20
Sharpe Ratio
—
Alpha
—
Beta
0.21
Sortino
1.46%
Std Dev
-0.72%
Max Drawdown
Performance Comparison
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Fund Details
Available transactions
Portfolio holdings
- 17.48% National Bank For Agriculture And Rural Development3.41%
- 27.68% National Bank For Agriculture And Rural Development3.34%
- 3Small Industries Dev Bank Of India**3.32%
- 46.94% Government Of India3.15%
- 56.48% Government Of India3.14%
- 66.68% Government Of India2.94%
- 77.59% National Housing Bank**2.47%
- 87.77% Rec Limited**2.38%
- 97.34% Small Industries Dev Bank Of India2.36%
- 107.57% Indian Railway Finance Corporation Limited**2.29%
Investment Objective
Nippon India Banking and PSU Fund · Regular · Growth by Nippon India 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
Nippon India Banking and PSU Fund · Regular · Growth is a Banking & PSU Debt mutual fund offered by Nippon India Mutual Fund. The fund has been operational for over 11 years. It manages assets worth ₹5,168 Cr, reflecting investor confidence in the fund's strategy. It benchmarks its performance against CRISIL BANKING AND PSU DEBT A-II INDEX. The current expense ratio is 0.78%.
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