Sharpe ratio
0.30Return earned for the risk taken.
Moderate
Moderate risk-adjusted returns. The reward for risk has been average.
+4.17%1Y Absolute Return
-0.10%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 |
|---|---|---|---|---|
| Invesco India Banking and PSU Fund - Direct Plan - Growth OptionFund 5Y annualised return | ₹8,39,419 | ₹7,32,612 | ₹1,06,807 | +5.66% |
| 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₹1.07
₹1 Lakh since launch₹1.07 Lakh
Fund age13.9 yrs
Fund information
Scheme code120444
ISININF205K01KT4
BenchmarkNifty Banking & PSU Debt Index A-II
CategoryDebt Scheme - Banking and PSU Fund
Expense ratio0.26%
Exit loadNil
Minimum SIP₹1,000 SIP
Return comparison
26th / 143 in category| Period | Fund | Benchmark | Category avg |
|---|---|---|---|
| 1M | +7.40% | — | — |
| 3M | +0.13% | — | — |
| 6M | +5.97% | — | — |
| 1Y | +4.17% | — | +1.68% |
| 3Y | +7.00% | — | +3.16% |
| 5Y | +5.66% | — | +2.94% |
| 10Y | +6.55% | — | — |
| Since Launch | +7.07% | — | — |
Risk-adjusted performance
Every measure is expanded with a plain-language reading of the latest calculated value.
Sortino ratio
0.47Return earned while limiting downside risk.
Moderate
Moderate downside risk-adjusted performance.
Standard deviation
1.51%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
1.45How 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%
Debt91.34%
Cash8.66%
Market cap allocation
Market-cap classifications were not present in the latest portfolio disclosure.
Sector allocation
Equity exposure by sector
Top holdings
10 of 18 disclosed positions
| Holding | Sector | Instrument type | Weight |
|---|---|---|---|
| GOVERNMENT OF INDIA 35031 GOI 07OT34 6.79 FV RS 100 | Entities | GOI Securities | 10.39% |
| EXPORT IMPORT BANK OF INDIA SR Z02 7.40 BD 14MR29 FVRS1LAC | Financial | Non Convertible Debenture | 8.88% |
| NATIONAL BANK FOR AGRICULTURE AND RURAL DEVELOPMENT SR F24 7.68 BD 30AP29 FVRS1LAC | Financial | Debenture | 8.37% |
| INDIAN RAILWAY FINANCE CORPORATION LIMITED SR 181 7.37 BD 31JL29 FVRS1LAC | Financial | Non Convertible Debenture | 8.37% |
| Repo | Unspecified | Repo | 6.09% |
| GOI Sec 7.18 14/08/2033 | Entities | GOI Securities | 5.33% |
| NATIONAL HIGHWAYS AUTHORITY OF INDIA SR IV 7.49 BD 01AG29 FVRS10LAC | Industrials | Debenture | 5.25% |
| POWER FINANCE CORPORATION LTD. SR-177 7.85 BD 03AP28 FVRS10LAC | Financial | Debenture | 5.24% |
| BANK OF BARODA SR II 7.68 BD 01DC33 FVRS1LAC | Financial | Debenture | 5.24% |
| HINDUSTAN PETROLEUM CORPORATION LIMITED SR IV 7.64 NCD 04NV27 FVRS10LAC | Energy & Utilities | Non Convertible Debenture | 5.21% |
Fund management
KR
Krishna Venkat Cheemalapati
Since 2020 · Prior to joining Invesco Mutual Fund, he has worked with Reliance General Insurance Company Ltd. as CIO and with ICAP India Pvt. Ltd as fixed income dealer.
Mr. Cheemalapati is a B.E., PGDBA and CFA from ICFAI Hyderabad.
VI
Vikas Garg
Since 2020 · Prior to joining Invesco India Mutual Fund, he has worked with L&T Mutual Fund as Fund Manager, Fidelity International as Credit analyst and Research Associate- Credit, ICRA as Sr Analyst and Indian Oil Corporation Ltd as Project manager.
Mr. Garg is CFA MBA Finance, B-Tech and M- Tech
Compare similar funds
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Summary
A moderate-risk debt scheme - banking and psu fund. Recovered from its worst fall in 1 months. Top 10 holdings make up 68% — a handful of stocks can swing returns sharply.
Strengths
- Recovered from its worst fall in 1 months.
- Same fund manager for 6+ years — the strategy has not chopped and changed.
- Ranks 26 of 143 in its category over 1 year.
Weaknesses
- Top 10 holdings make up 68% — a handful of stocks can swing returns sharply.
Ideal investor
- Needs a 1–3 years depending on duration horizon to ride out its moderate risk level.
Risk drivers
- Top 10 holdings = 68% of the portfolio.
- Financial makes up 57% — trouble in that sector hits the whole fund.