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NAV as of ( Sep 09, 2022 )

17.44 0.0 % 1-D Change

7.86% p.a.

You get upto 0.46% extra returns

ET Money's Fund Report Card - Nippon India Banking & PSU Debt Fund

ET Money Rank


Out of 16

Performance Quality info

Very Good drop-arrow

Generated returns consistently


Increased returns for each unit of additional risk info


Downside Protection info

Good drop-arrow

Controlled losses during market corrections


Delivered returns without frequent ups and downs


Minimum SIP amount is ₹
Minimum Lumpsum amount is ₹

By continuing, I agree to the Declaration and T&Cs.

none buyable frame

Fresh Investments closed in this fund!

This fund is no longer available to invest

This fund vs
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Scheme Details

ET Money Rank 11 Out of 16
VRO Rating 4
Expense ratio 0.33%  As on Jul 31, 2022
Exit Load 0%
AUM (Fund Size) 4,242 Crs
Lock-in No Lockin
Age 7 yrs 4 m Since May 05, 2015
Benchmark NIFTY Banking and PSU Debt TRI
Min. Investment

SIP 100  &

Lumpsum 5000

About Nippon India Banking & PSU Debt Fund

Nippon India Banking & PSU Debt Fund Direct-Growth is a Banking and PSU mutual fund scheme from Nippon India Mutual Fund . This fund has been in existence for 7 yrs 4 m, having been launched on 05/05/2015. Nippon India Banking & PSU Debt Fund Direct-Growth has ₹4,242 Crores worth of assets under management (AUM) as on 30/06/2022 and is medium-sized fund of its category. The fund has an expense ratio of 0.33%, which is close to what most other Banking And Psu funds charge.
  • Nippon India Banking & PSU Debt Fund Direct-Growth returns of last 1-year are 3.05%. Since launch, it has delivered 7.88% average annual returns.
  • Nippon India Banking & PSU Debt Fund Direct-Growth scheme's ability to deliver returns consistently is in-line with most funds of its category. Its ability to control losses in a falling market is average.
  • The fund's credit profile is very high indicating it has lent to borrowers whose quality is excellent. Most funds in this category lend to better borrowers and hence the risk of default in this fund is higher than the category.
  • The fund's top holdings are in GOI, Oil & Natural Gas Corpn. Ltd., National Housing Bank, Indian Oil Corpn. Ltd., Indian Railway Finance Corpn. Ltd..
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Total value Profit
This fund
Category Average
Bank FD

Disclaimer: Products compared like fixed deposits may provide fixed guaranteed returns. Mutual Funds investments are subject to market risk, read all scheme related documents carefully. Past performance is not an indicator of future returns.

Latest Asset & Portfolio Allocation

as on Aug 31, 2022
Top Stock Holdings

Bifurcation by Holding is not available for this fund

Allocation by Market Cap

Large Cap 0%

Mid Cap 0%

Small Cap 0%

Other Cap 0%

Allocation by Sector

Bifurcation by Sector is not available for this fund

Top Debt Holdings

GOI 14.73%

Oil & Natural Gas Corpn. Ltd. 5.14%

National Housing Bank 4.78%

Indian Oil Corpn. Ltd. 4.09%

Allocation by Credit Quality

AAA 70.34%

SOV 19.55%

A1+ 5.76%

Cash & Call Money 4.3%

Allocation by Instruments

Debenture 37.36%

GOI Securities 14.73%

Bonds 12.84%

Non Convertible Debenture 9.77%

Other Holdings

Others 1.01%

Comparison with banking and psu Funds

as on Sep 12, 2022
0.54 % p.a
This fund


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Trailing Returns and Ranks

as on Sep 12, 2022
Period Trailing returns Category average Rank within category
1 month 0.54% 0.57% 8 / 18
3 months 1.95% 2.03% 8 / 18
6 months 1.43% 1.8% 12 / 18
1 year 2.99% 3.17% 9 / 18
3 years 6.66% 6.35% 5 / 16
5 years 7.18% 6.89% 5 / 16


Level of Risk in the Scheme


Investors understand that their principal will be at Moderate risk

Nippon India Banking & PSU Debt Fund


The scheme seeks to generate income over short to medium term horizon through investments in debt and money market instruments of various maturities, consisting predominantly of securities issued by entities such as Banks, Public Sector Undertakings (PSUs) and Public Financial Institutions.

  • Std. Dev : 2.03
  • Alpha : 5.79
  • Beta : 2.86
  • Sharpe : 1.49
  • Sortino : 2.59
  • Profile

    Vivek Sharma

    Mr. Vivek Sharma is a B.E (Electronics) and PGDM (Finance).

    He has been associated with Nippon India Mutual Fund since 2006.

  • Profile

    Pranay Sinha

    Mr. Sinha has done B.Tech in Aerospace Engg. from IIT Kharagpur and PGDM with Major in Finance from IIM Calcutta.

    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).

Nippon India Mutual Fund

Nippon India Mutual Fund



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₹2,81,440 Crs

As on Jun 30, 2022

  • Phone: 1800-300-11111
  • Address: NG-1 & 1A, North Block
    Manipal Centre,Dickenson Road,

    Bangalore, 560042

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Frequently asked questions

How are the returns of Nippon India Banking & PSU Debt Fund ?

The Nippon India Banking & PSU Debt Fund is a 7 yrs 4 m old fund and has delivered average annual returns of 7.86% since inception.

Nippon India Banking & PSU Debt Fund Returns

1-Year 3-Year 5-Year Since Inception
2.99% 6.66% 7.18% 7.86%

NAV or Net Asset Value is the per-unit price of the Mutual Fund. The NAV of a Mutual Fund changes every day. It is calculated by taking the current value of the holdings of the fund at end of the day, subtracting the expenses, and dividing the value by the number of units issued to date.

The NAV of Nippon India Banking & PSU Debt Fund for Sep 09, 2022 is 17.44 .

Nippon India Banking & PSU Debt Fund has an ET Money Rank of # 11 of 16 and a consistency rating of 4 .

This indicates the fund has generated average returns. However, whatever returns the fund delivers, it does so with exceptional consistency. You can consider this fund if the predictability of returns is what you are looking for

On ET Money, Investing in Nippon India Banking & PSU Debt Fund is fast, easy, and 100% paperless. And it takes only minutes. Here is what you need to do -

  1. Click on the Invest Now Button present on the top right-hand side.
  2. Enter your email id, select whether you want to do a one-time investment or start a SIP and add the amount
  3. Provide few more details needed including the bank account from which you will be making the payment and confirm.
  4. That's it. Your SIP or one-time investment in Nippon India Banking & PSU Debt Fund is done.

The Expense Ratio of a Mutual Fund is the annual charges you pay to the Mutual Fund company for managing your investments in that fund. The Expense Ratio is a percentage of Assets Under Management (AUM) and is taken from the returns generated by the fund. For this reason, a fund with a lower expense ratio is always better because a smaller part of the returns will be taken and that means more returns for you.

The Expense Ratio of the direct plan of Nippon India Banking & PSU Debt Fund is 0.33%.  .

Redeeming your investments in Nippon India Banking & PSU Debt Fund is super easy. If you have invested in this fund via ET Money, just login into the app, go to the investment section and put the redemption request.

If you have invested in Nippon India Banking & PSU Debt Fund from anywhere else, you can go to the fund house website and put a request through it.

AUM or Asset Under Management is the total value of the assets held by a Mutual Fund scheme. For instance, for an equity Mutual Fund, the AUM will be the total value of its portfolio's equity shares (plus any other asset it might have invested in). The AUM of the fund changes every day because the price of the underlying asset fluctuates daily. However, the Mutual Fund company doesn't update it every day. It is updated only at the end of the month and released within few days of the next month.

The AUM of the fund is a good indicator of its popularity. A fund with a high AUM means a lot of money has been invested in it, and investors like it. However, the AUM should never be the primary criteria while selecting a fund. There are funds with huge AUMs that continue to perform well despite their size.

The AUM of Nippon India Banking & PSU Debt Fund is ₹4,242 Crs.

The credit rating of the instruments in which the fund invests represents the quality of the borrower.

The Nippon India Banking & PSU Debt Fund allocation by credit quality is given below

Credit Quality Percentage of Portfolio
AAA 70.34%
SOV 19.55%
A1+ 5.76%

The top 3 debt holdings of Nippon India Banking & PSU Debt Fund are as follows

Holding Name Percentage of Portfolio
GOI 14.73%
Oil & Natural Gas Corpn. Ltd. 5.14%
National Housing Bank 4.78%
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