SBI Banking and PSU Fund · Direct · Growth
NAV
₹3519.6286
as of 31 Jul 2026
Expense Ratio
—
see scheme documents
AUM
₹2,715 Cr
Lumpsum returns (CAGR)
- 1Y
- +5.31%
- 3Y
- +7.32%
- 5Y
- +6.20%
- Since Inception
- +7.81%
SIP returns (XIRR)
- 1Y
- +5.95%
- 3Y
- +7.04%
- 5Y
- +6.89%
- Since Inception
- +7.28%
Returns calculated from 31 December 2010 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 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 ₹8,44,376 today — ₹5,95,000 invested, 6.9% XIRR.
₹5,95,000
Invested
₹8,44,376
Value today
6.9%
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 ₹2,00,549 today (7.2% CAGR).
A regular withdrawal plan (SWP)
Real NAV backtest
A ₹10,00,000 corpus withdrawing ₹5,000/month since Aug 2016 would still hold ₹11,61,112.
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 ₹1,53,239 today (1.53×).
Historical simulation using actual published NAVs for the stated period. Past performance may or may not be sustained in the future. Not investment advice.
Performance Comparison
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Fund Details
Available transactions
Portfolio holdings
portfolio shared with SBI BANKING & PSU FUND - Regular Paln - Growth
- 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 · Direct · 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 · Direct · Growth is a Banking & PSU Debt mutual fund offered by SBI Mutual Fund. The fund has been operational for over 13 years. It manages assets worth ₹2,715 Cr, reflecting investor confidence in the fund's strategy. It benchmarks its performance against NIFTY BANKING & PSU DEBT INDEX A-II.
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