Sharpe ratio
-0.47Return earned for the risk taken.
Negative
Negative means the fund has not rewarded investors well for the risk taken recently.
+4.33%1Y Absolute Return
-0.05%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 |
|---|---|---|---|---|
| ITI Banking & PSU Debt Fund - Direct Plan - Growth OptionFund 5Y annualised return | ₹8,53,599 | ₹7,32,612 | ₹1,20,987 | +6.34% |
| 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₹1.06
₹1 Lakh since launch₹1.06 Lakh
Fund age6.1 yrs
Fund information
Scheme code148534
ISININF00XX01861
BenchmarkCRISIL Banking and PSU Debt A-II
CategoryDebt Scheme - Banking and PSU Fund
Expense ratio0.23%
Exit loadNil
Minimum SIP₹500 SIP
Return comparison
22nd / 143 in category| Period | Fund | Benchmark | Category avg |
|---|---|---|---|
| 1M | +5.16% | — | — |
| 3M | +2.01% | — | — |
| 6M | +5.03% | — | — |
| 1Y | +4.33% | — | +1.68% |
| 3Y | +6.86% | — | +3.16% |
| 5Y | +6.34% | — | +2.94% |
| Since Launch | +6.06% | — | — |
Risk-adjusted performance
Every measure is expanded with a plain-language reading of the latest calculated value.
Sortino ratio
-0.97Return earned while limiting downside risk.
Negative
Negative means downside losses have outweighed the returns.
Standard deviation
0.89%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
5.73How 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%
Debt86.55%
Cash13.45%
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 |
|---|---|---|---|
| Net Receivables | Unspecified | Net Receivables | 11.3% |
| Nuclear Power Corpn. Of India Ltd. 8.14 25/03/2028 | Energy & Utilities | Debenture | 9.13% |
| NATIONAL HOUSING BANK 7.59 BD 08SP27 FVRS1LAC | Financial | Non Convertible Debenture | 9.02% |
| REC LIMITED SR 230-A 7.71 BD 26FB27 FVRS1LAC | Financial | Bonds | 8.98% |
| Indian Railway Finance Corpn. Ltd. 7.33 27/08/2027 | Financial | Debenture | 8.97% |
| HDFC BANK LIMITED CD 22JAN27 | Financial | Certificate of Deposit | 8.62% |
| SMALL INDUSTRIES DEVELOPMENT BANK OF INDIA SR IV 7.79 BD 19AP27 FVRS1LAC | Financial | Bonds | 7.49% |
| Power Finance Corporation Ltd SR-155 Bonds 7.23 05/01/2027 | Financial | Bonds | 7.46% |
| NATIONAL BANK FOR AGRICULTURE AND RURAL DEVELOPMENT SR 25E 7.53 BD 24MR28 FVRS1LAC | Financial | Bonds | 6.0% |
| GOVERNMENT OF INDIA 37080 GOI 16FB31 6.36 FV RS 100 | Entities | GOI Securities | 5.95% |
Fund management
LA
Laukik Bagwe
Since 2025 · Prior to joining ITI Mutual fund he has worked with DSP Mutual Fund, Derivium Capital and Securities Pvt. Ltd. and with Birla Sun Life Securities Ltd.
Mr. Bagwe is a B.Com (H) and PGDBA (Finance)
Compare similar funds
No comparable category funds are available yet.
Summary
A moderate-risk debt scheme - banking and psu fund. Losses and swings stayed contained — worst fall -1.1%, volatility 0.9%. Top 10 holdings make up 83% — a handful of stocks can swing returns sharply.
Strengths
- Losses and swings stayed contained — worst fall -1.1%, volatility 0.9%.
- Recovered from its worst fall in 2 months.
- Ranks 22 of 143 in its category over 1 year.
Weaknesses
- Top 10 holdings make up 83% — 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 = 83% of the portfolio.
- Financial makes up 64% — trouble in that sector hits the whole fund.