Nippon India Banking and PSU Fund · Regular · Growth
NAV
₹21.9489
as of 29 Sept 2026
Expense Ratio
0.78%
AUM
₹5,181 Cr
Lumpsum returns (CAGR)
- 1Y
- +4.40%
- 3Y
- +6.62%
- 5Y
- +5.75%
- Since Inception
- +7.15%
SIP returns (XIRR)
- 1Y
- +4.33%
- 3Y
- +5.91%
- 5Y
- +6.17%
- Since Inception
- +5.84%
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 6 years (Sept 2020 – Sept 2026)
A ₹5,000 monthly SIP for the last 6 years (Sept 2020 – Sept 2026)
Real NAV backtest
A ₹5,000 monthly SIP would be worth ₹4,31,596 today — ₹3,60,000 invested, 6.0% XIRR.
₹3,60,000
Invested
₹4,31,596
Value today
6.0%
XIRR (p.a.)
A ₹1,00,000 lumpsum, the last 6 years (Sept 2020 – Sept 2026)
Real NAV backtest
₹1,00,000 invested 6 years ago would be ₹1,39,717 today (5.7% CAGR).
A regular withdrawal plan (SWP)
Real NAV backtest
A ₹10,00,000 corpus withdrawing ₹5,000/month since Sept 2020 would still hold ₹9,65,578.
Buying the worst day
Real NAV backtest
₹1,00,000 invested on the worst market day of the last 6 years (Sept 2020 – Sept 2026) (3 Jun 2024) would be ₹1,15,445 today (1.15×).
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, annualised-0.59
Sharpe Ratio
—
Alpha
—
Beta
-0.62
Sortino
1.48%
Std Dev
-0.72%
Max Drawdown
Performance Comparison
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Fund Details
Available transactions
Portfolio holdings
portfolio shared with NIPPON INDIA BANKING and PSU DEBT FUND - IDCW Option
- 17.48% National Bank For Agriculture And Rural Development3.49%
- 27.68% National Bank For Agriculture And Rural Development**3.39%
- 3Small Industries Dev Bank Of India**3.38%
- 47.59% National Housing Bank**2.53%
- 57.77% Rec Limited**2.44%
- 67.34% Small Industries Dev Bank Of India**2.41%
- 77.8% Union Bank Of India**1.99%
- 87.77% Power Finance Corporation Limited**1.95%
- 97.7% Nuclear Power Corporation Of India Limited**1.95%
- 1091 Days Tbill1.94%
What this fund does
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 ₹5,181 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%.