Nippon India Banking and PSU Fund · Regular · Growth
NAV
₹21.7549
as of 17 Jun 2026
Expense Ratio
0.78%
AUM
₹5,365 Cr
Lumpsum returns (CAGR)
- 1Y
- +4.37%
- 3Y
- +6.82%
- 5Y
- +5.90%
- Since Inception
- +7.25%
SIP returns (XIRR)
- 1Y
- +5.05%
- 3Y
- +6.56%
- 5Y
- +6.46%
- Since Inception
- +5.96%
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 —.
SIP since inception — what ₹500/month became
Real NAV backtest from day one
₹66,500
Invested
₹92,847
Value today
6.6%
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
₹2,166
Value today
7.2%
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
₹6,65,000
Withdrawn
₹12,37,300
Corpus left
+₹9,02,300 net gain — withdrew ₹6,65,000 AND corpus grew
Plan your SWP with real NAV₹1 lakh on the worst crash day — 22 Mar 2020
Worst single-day Nifty drop during this fund's life
₹1,00,000
Invested
₹1,51,008
Value today
1.5×
Multiple
Staying invested through that crash turned ₹1L into ₹1,51,008 — a 1.5× return
Read: Staying invested through crashesRisk Metrics
Trailing 1 year, annualised0.13
Sharpe Ratio
—
Alpha
—
Beta
0.14
Sortino
1.42%
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 FUND - IDCW Option
- 17.59% National Housing Bank**3.50%
- 27.68% National Bank For Agriculture And Rural Development3.39%
- 37.48% National Bank For Agriculture And Rural Development2.99%
- 47.47% Small Industries Dev Bank Of India**2.50%
- 57.77% Rec Limited**2.43%
- 67.34% Small Industries Dev Bank Of India**2.40%
- 77.57% Indian Railway Finance Corporation Limited**2.33%
- 87.17% State Government Securities1.98%
- 97.8% Union Bank Of India**1.97%
- 107.7% Nuclear Power Corporation Of India Limited**1.95%
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 ₹5,365 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