SBI Banking and PSU Fund · Regular · Growth
NAV
₹3298.1317
as of 31 Jul 2026
Expense Ratio
0.44%
AUM
₹1,176 Cr
Lumpsum returns (CAGR)
- 1Y
- +4.90%
- 3Y
- +6.86%
- 5Y
- +5.73%
- Since Inception
- +7.36%
SIP returns (XIRR)
- 1Y
- +5.55%
- 3Y
- +6.60%
- 5Y
- +6.43%
- Since Inception
- +7.07%
What history actually did — last 10 years (Aug 2016 – Jul 2026)
A ₹5,000 monthly SIP for the last 10 years (Aug 2016 – Jul 2026)
Real NAV backtest
A ₹5,000 monthly SIP would be worth ₹8,23,604 today — ₹5,95,000 invested, 6.4% XIRR.
₹5,95,000
Invested
₹8,23,604
Value today
6.4%
XIRR (p.a.)
A ₹1,00,000 lumpsum, the last 10 years (Aug 2016 – Jul 2026)
Real NAV backtest
₹1,00,000 invested 10 years ago would be ₹1,91,184 today (6.7% CAGR).
A regular withdrawal plan (SWP)
Real NAV backtest
A ₹10,00,000 corpus withdrawing ₹5,000/month since Aug 2016 would still hold ₹10,88,237.
Buying the worst day
Real NAV backtest
₹1,00,000 invested on the worst market day of the last 10 years (Aug 2016 – Jul 2026) (22 Mar 2020) would be ₹1,48,916 today (1.49×).
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, annualised0.14
Sharpe Ratio
—
Alpha
—
Beta
0.16
Sortino
1.20%
Std Dev
-0.62%
Max Drawdown
Performance Comparison
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Fund Details
Available transactions
Portfolio holdings
- 1Hdfc Bank Ltd.5.40%
- 2Union Bank Of India4.80%
- 36.95% State Government Of Madhya Pradesh 20304.78%
- 4Small Industries Development Bank Of India4.71%
- 5Power Grid Corporation Of India Ltd.4.68%
- 67.74% State Government Of Tamil Nadu 20364.49%
- 7Gail (India) Ltd.4.42%
- 8Ongc Petro Additions Ltd.4.42%
- 96.94% Cgl 20363.83%
- 10India Infrastructure Finance Company Ltd.3.72%
Investment Objective
SBI Banking and PSU Fund · Regular · Growth by SBI 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
SBI Banking and PSU Fund · Regular · Growth is a Banking & PSU Debt mutual fund offered by SBI Mutual Fund. The fund has been operational for over 16 years. It manages assets worth ₹1,176 Cr, reflecting investor confidence in the fund's strategy. It benchmarks its performance against NIFTY BANKING & PSU DEBT INDEX A-II. The current expense ratio is 0.44%.
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