Sharpe ratio
0.87Return earned for the risk taken.
Moderate
Moderate risk-adjusted returns. The reward for risk has been average.
+4.55%1Y Absolute Return
-0.01%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 |
|---|---|---|---|---|
| SBI BANKING & PSU FUND - Direct Plan - GrowthFund 5Y annualised return | ₹8,50,235 | ₹7,32,612 | ₹1,17,623 | +6.18% |
| 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 age13.0 yrs
Fund information
Scheme code125503
ISININF200K01V08
BenchmarkNifty Banking & PSU Debt Index A-II
CategoryDebt Scheme - Banking and PSU Fund
Expense ratio0.41%
Exit loadNil
Minimum SIP₹500 SIP
Return comparison
15th / 143 in category| Period | Fund | Benchmark | Category avg |
|---|---|---|---|
| 1M | +5.09% | — | — |
| 3M | +2.25% | — | — |
| 6M | +6.43% | — | — |
| 1Y | +4.55% | — | +1.68% |
| 3Y | +7.08% | — | +3.16% |
| 5Y | +6.18% | — | +2.94% |
| 10Y | +7.06% | — | — |
| Since Launch | +7.65% | — | — |
Risk-adjusted performance
Every measure is expanded with a plain-language reading of the latest calculated value.
Sortino ratio
1.60Return earned while limiting downside risk.
Good
Good downside protection with strong returns.
Standard deviation
1.06%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
2.39How 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%
Debt96.80%
Cash3.20%
Market cap allocation
Market-cap classifications were not present in the latest portfolio disclosure.
Sector allocation
Equity exposure by sector
Top holdings
10 of 48 disclosed positions
| Holding | Sector | Instrument type | Weight |
|---|---|---|---|
| HDFC BANK LIMITED CD 12MAR27 | Financial | Certificate of Deposit | 5.4% |
| Union Bank of India (16/03/2027) ** # | Financial | Commercial Paper | 4.8% |
| STATE DEVELOPMENT LOAN 36922 MP 07JN30 6.95 FV RS 100 | Unspecified | State Development Loan | 4.78% |
| SMALL INDUSTRIES DEVELOPMENT BANK OF INDIA CD 11JUN27 | Financial | Certificate of Deposit | 4.71% |
| POWER GRID CORPORATION OF INDIA LIMITED SR LXXV 7.65 BD 11JN34 FVRS1LAC | Energy & Utilities | Debenture | 4.68% |
| STATE DEVELOPMENT LOAN 37475 TN 03JU36 7.74 FV RS 100 | Unspecified | State Development Loan | 4.49% |
| GAIL (INDIA) LIMITED SR I 7.34 LOA 20DC27 FVRS10LAC | Energy & Utilities | Debenture | 4.42% |
| ONGC PETRO ADDITIONS LIMITED SR XII 8.29 NCD 25JN27 FVRS1LAC | Energy & Utilities | Debenture | 4.42% |
| GOVERNMENT OF INDIA 37426 GOI 11MY36 6.94 FV RS 100 | Entities | GOI Securities | 3.83% |
| 185. 6.99% INDIAN INFRASTRUCTURE FIN. CO. 31/07/2030 | Industrials | Bonds | 3.72% |
Fund management
AR
Ardhendu Bhattacharya
Since 2023 · Prior to joining SBI Mutual Fund, he has worked with ICICI Bank and Citibank.
Mr. Bhattacharya is a MBA (Marketing) and Bachelor of Engineering.
PR
Pradeep Kesavan
Since 2023 · Prior to joining SBI MF, he has worked with Elara Capital, Accenture Strategy, Morgan Stanley and 3i Infotech
Mr. Kesavan has done B.Com, MBA (Finance) and CFA
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. Financial makes up 51% — trouble in that sector hits the whole fund.
Strengths
- Recovered from its worst fall in 1 months.
- Ranks 15 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 51% — trouble in that sector hits the whole fund.