Sharpe ratio
0.62Return earned for the risk taken.
Moderate
Moderate risk-adjusted returns. The reward for risk has been average.
+4.05%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 |
|---|---|---|---|---|
| Nippon India Banking and PSU Fund- Direct Plan-Growth Plan- Growth OptionFund 5Y annualised return | ₹8,50,864 | ₹7,32,612 | ₹1,18,252 | +6.21% |
| 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 age11.5 yrs
Fund information
Scheme code134547
ISININF204KA1U53
BenchmarkCRISIL Banking and PSU Debt A-II
CategoryDebt Scheme - Banking and PSU Fund
Expense ratio0.39%
Exit loadNil
Minimum SIP₹100 SIP
Return comparison
37th / 143 in category| Period | Fund | Benchmark | Category avg |
|---|---|---|---|
| 1M | +6.95% | — | — |
| 3M | +0.26% | — | — |
| 6M | +6.01% | — | — |
| 1Y | +4.05% | — | +1.68% |
| 3Y | +6.95% | — | +3.16% |
| 5Y | +6.21% | — | +2.94% |
| 10Y | +7.11% | — | — |
| Since Launch | +7.50% | — | — |
Risk-adjusted performance
Every measure is expanded with a plain-language reading of the latest calculated value.
Sortino ratio
1.16Return earned while limiting downside risk.
Good
Good downside protection with strong returns.
Standard deviation
1.54%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
2.34How 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%
Debt96.69%
Cash3.31%
Market cap allocation
Market-cap classifications were not present in the latest portfolio disclosure.
Sector allocation
Equity exposure by sector
Top holdings
10 of 115 disclosed positions
| Holding | Sector | Instrument type | Weight |
|---|---|---|---|
| NATIONAL BANK FOR AGRICULTURE AND RURAL DEVELOPMENT SR 25G 7.48 BD 15SP28 FVRS1LAC | Financial | Bonds | 3.41% |
| NATIONAL BANK FOR AGRICULTURE AND RURAL DEVELOPMENT SR F24 7.68 BD 30AP29 FVRS1LAC | Financial | Debenture | 3.34% |
| SMALL INDUSTRIES DEVELOPMENT BANK OF INDIA SR II RR BD 04JU29 FVRS1LAC | Financial | Bonds | 3.32% |
| GOVERNMENT OF INDIA 37426 GOI 11MY36 6.94 FV RS 100 | Entities | GOI Securities | 3.15% |
| GOVERNMENT OF INDIA 36574 GOI 06OT35 6.48 FV RS 100 | Entities | GOI Securities | 3.14% |
| GOVERNMENT OF INDIA 36185 GOI 07JL40 6.68 FV RS 100 | Entities | GOI Securities | 2.94% |
| NATIONAL HOUSING BANK 7.59 BD 08SP27 FVRS1LAC | Financial | Non Convertible Debenture | 2.47% |
| RURAL ELECTRIFICATION CORPORATION LIMITED 7.77 SR 220-A BD 31MR28 FVRS1LAC | Financial | Non Convertible Debenture | 2.38% |
| SMALL INDUSTRIES DEVELOPMENT BANK OF INDIA SR III 7.34 BD 26FB29 FVRS1LAC | Financial | Bonds | 2.36% |
| INDIAN RAILWAY FINANCE CORPORATION LIMITED SR 175 7.57 BD 18AP29 FVRS1LAC | Financial | Non Convertible Debenture | 2.29% |
Fund management
AM
Amber Singhania
Since 2026 · Prior to joining the Nippon India AMC, he was associated with Asian Markets Securities Pvt. Ltd.
MMS Finance (Mumbai University)
PR
Pranay Sinha
Since 2021 · Prior to joining Nippon India Mutual Fund, he has worked with ABSLAMC, BNP Paribas Bank (October 2010 - August,2014) , Morgan Stanley Investment Management Pvt. Ltd. (March 2008 - October 2010) and ICICI Prudential Asset Management Co. Ltd. ( October 2005 - March 2008).
Mr. Sinha has done B.Tech in Aerospace Engg. from IIT Kharagpur and PGDM with Major in Finance from IIM Calcutta.
KI
Kinjal Desai
Since 2018 · She has been working with Nippon India Mutual Fund since year, 2012
Ms. Desai has done B.A (Economics), MSc. (Economics) and has cleared CFA Level 1
VI
Vivek Sharma
Since 2020 · He has been associated with Nippon India Mutual Fund since 2006.
Mr. Vivek Sharma is a B.E (Electronics) and PGDM (Finance).
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Summary
A moderate-risk debt scheme - banking and psu fund. Recovered from its worst fall in 0 months. Financial makes up 67% — trouble in that sector hits the whole fund.
Strengths
- Recovered from its worst fall in 0 months.
- Well spread out — top 10 holdings are only 29% of the portfolio.
- Same fund manager for 8+ years — the strategy has not chopped and changed.
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 67% — trouble in that sector hits the whole fund.