Sharpe ratio
0.88Return earned for the risk taken.
Moderate
Moderate risk-adjusted returns. The reward for risk has been average.
+4.45%1Y Absolute Return
-0.13%1D
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Past performance is not an indicator of future returns.
Returns calculator comparison
Compare an illustrative investment outcome across return assumptions.
| Asset | Projected corpus | Total invested | Gain | Annual return |
|---|---|---|---|---|
| ICICI Prudential Banking and PSU Debt Fund - Direct Plan - GrowthFund 5Y annualised return | ₹8,58,041 | ₹7,32,612 | ₹1,25,429 | +6.55% |
| EPFIllustrative annual assumption | ₹8,95,132 | ₹7,32,612 | ₹1,62,520 | +8.25% |
| Residential propertyIllustrative annual assumption | ₹8,67,662 | ₹7,32,612 | ₹1,35,050 | +7.00% |
| PPFIllustrative annual assumption | ₹8,69,819 | ₹7,32,612 | ₹1,37,207 | +7.10% |
| Bank fixed depositIllustrative annual assumption | ₹8,56,981 | ₹7,32,612 | ₹1,24,369 | +6.50% |
| GoldIllustrative annual assumption | ₹8,67,662 | ₹7,32,612 | ₹1,35,050 | +7.00% |
| Savings accountIllustrative annual assumption | ₹7,86,827 | ₹7,32,612 | ₹54,215 | +3.00% |
Illustration only. Fund results use the available NAV-derived annualised return and can be negative. Reference rows are assumptions, not current quoted rates or guaranteed returns; property excludes transaction costs, taxes, and liquidity constraints. Mutual fund investments are subject to market risk.
Wealth multiple
₹1 became₹1.08
₹1 Lakh since launch₹1.08 Lakh
Fund age13.7 yrs
Fund information
Scheme code120256
ISININF109K010A6
BenchmarkNifty Banking & PSU Debt Index A-II
CategoryDebt Scheme - Banking and PSU Fund
Expense ratio0.39%
Exit loadNil
Minimum SIP₹100 SIP
Return comparison
20th / 143 in category| Period | Fund | Benchmark | Category avg |
|---|---|---|---|
| 1M | +7.76% | — | — |
| 3M | +0.31% | — | — |
| 6M | +5.87% | — | — |
| 1Y | +4.45% | — | +1.68% |
| 3Y | +7.02% | — | +3.16% |
| 5Y | +6.55% | — | +2.94% |
| 10Y | +7.10% | — | — |
| Since Launch | +7.93% | — | — |
Risk-adjusted performance
Every measure is expanded with a plain-language reading of the latest calculated value.
Sortino ratio
1.39Return earned while limiting downside risk.
Good
Good downside protection with strong returns.
Standard deviation
1.50%How much the fund’s returns fluctuate over time.
Low volatility
Returns have been relatively stable.
Beta
—How closely the fund moves with the market.
Unavailable
This measure needs sufficient fund and benchmark history to calculate.
Alpha
—Extra return generated above the benchmark.
Unavailable
This measure needs sufficient fund and benchmark history to calculate.
Treynor ratio
—Return earned for each unit of market risk taken.
Unavailable
This measure needs sufficient fund and benchmark history to calculate.
Calmar ratio
2.75How well the fund rewarded investors relative to its biggest decline.
Excellent
Excellent balance between returns and drawdowns.
Information ratio
—How consistently the fund outperformed its benchmark.
Unavailable
This measure needs sufficient fund and benchmark history to calculate.
Portfolio allocation
Latest disclosed portfolio mix
Asset allocation
Portfolio100%
Debt98.66%
Cash1.34%
Market cap allocation
Market-cap classifications were not present in the latest portfolio disclosure.
Sector allocation
Equity exposure by sector
Top holdings
10 of 106 disclosed positions
| Holding | Sector | Instrument type | Weight |
|---|---|---|---|
| NATIONAL BANK FOR AGRICULTURE AND RURAL DEVELOPMENT SR 25E 7.53 BD 24MR28 FVRS1LAC | Financial | Bonds | 4.8407% |
| LIC HOUSING FINANCE LTD TR 454 7.58 NCD 23MR35 FVRS1LAC | Financial | Non Convertible Debenture | 3.6891% |
| GOVERNMENT OF INDIA 34238 GOI 22AP64 7.34 FV RS 100 | Entities | GOI Securities | 3.4674% |
| NATIONAL BANK FOR AGRICULTURE AND RURAL DEVELOPMENT SR 25A 7.70 BD 30SP27 FVRS1LAC | Financial | Debenture | 3.416% |
| POWER FINANCE CORPORATION LIMITED SR 259A 6.96 BD 02MR28 FVRS1LAC | Financial | Debenture | 3.1063% |
| REC LIMITED SR 250A 6.60 BD 30JU27 FVRS1LAC | Financial | Debenture | 2.8175% |
| GOVERNMENT OF INDIA 35840 GOI 15AP65 6.9 FV RS 100 | Entities | GOI Securities | 2.6766% |
| MAHANAGAR TELEPHONE NIGAM LIMITED. SR VIII TR C 7.80 BD 07NV33 FVRS1LAC | Technology | Non Convertible Debenture | 2.5344% |
| SMALL INDUSTRIES DEVELOPMENT BANK OF INDIA SR I 7.68 BD 10SP27 FVRS1LAC | Financial | Non Convertible Debenture | 2.2783% |
| SMALL INDUSTRIES DEVELOPMENT BANK OF INDIA SR III 7.34 BD 26FB29 FVRS1LAC | Financial | Bonds | 2.2725% |
Fund management
RO
Rohit Lakhotia
Since 2023 · Prior to joining ICICI Prudential Mutual Fund, he has worked with Yes Bank and Samsung Electronics
Mr. Lakhotia has done B.Tech from NIT(Rourkela) and MBA from National Institute of Industrial Engineering
MA
Manish Banthia
Since 2024 · He is associated with ICICI Prudential Asset Management Company since Oct 2005, ICICI Prudential AMC - Fixed Income Investments - Aug 2007 to Oct 2009, ICICI Prudential AMC - New Product Development - Oct 2005 to Jul 2007, Aditya Birla Nuvo Ltd. - From May 2005 to Oct 2005, Aditya Birla Management Corporation Ltd. - From May 2004 to May 2005.
Mr. Banthia is B.Com, CA and MBA
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Summary
A moderate-risk debt scheme - banking and psu fund. Losses and swings stayed contained — worst fall -2.9%, volatility 1.5%. Financial makes up 72% — trouble in that sector hits the whole fund.
Strengths
- Losses and swings stayed contained — worst fall -2.9%, volatility 1.5%.
- Recovered from its worst fall in 1 months.
- Ranks 20 of 143 in its category over 1 year.
Weaknesses
- None
Ideal investor
- Needs a 1–3 years depending on duration horizon to ride out its moderate risk level.
Risk drivers
- Financial makes up 72% — trouble in that sector hits the whole fund.