Previously Known As : Sbi Treasury Advantage Fund
Sbi Banking & Psu Fund Datagrid
Category Banking and PSU Fund
BMSMONEY Rank 9
Rating
Growth Option 12-12-2025
NAV ₹3198.64(R) 0.0% ₹3405.22(D) 0.0%
Returns 1Y 3Y 5Y 7Y 10Y
Lumpsum Regular 7.52% 7.28% 5.43% 6.78% 6.93%
Direct 7.95% 7.76% 5.91% 7.27% 7.46%
Benchmark
SIP (XIRR) Regular -9.18% 5.66% 5.99% 6.14% 6.32%
Direct -8.81% 6.13% 6.47% 6.63% 6.82%
Ratio Sharpe Ratio Sortino Ratio Sterling Ratio Jensen's Alpha Treynor Ratio
1.36 0.85 0.72 0.43% 0.02
Risk STD. Dev VaR 1Y95% Max DD Beta Semi Devi.
1.18% 0.0% -0.15% 0.86 0.77%
Fund AUM As on: 30/06/2025 4035 Cr
Top Banking and PSU Fund
Fund Name Rank Rating
ICICI Prudential Banking & PSU Debt Fund 1
Franklin India Banking & Psu Debt Fund 2
Kotak Banking And Psu Debt Fund 3
UTI Banking & PSU Fund 4
Sundaram Banking & PSU Fund 5

NAV Date: 12-12-2025

Scheme Name NAV Rupee Change Percent Change
SBI Banking & PSU Fund - Regular Plan - Monthly Income Distribution cum Capital Withdrawal Option (IDCW) 1228.5
0.0200
0.0000%
SBI Banking & PSU Fund - Direct Plan - Monthly Income Distribution cum Capital Withdrawal Option (IDCW) 1313.97
0.0400
0.0000%
SBI Banking & PSU Fund - Regular Plan - Weekly Income Distribution cum Capital Withdrawal Option (IDCW) 1458.96
0.0200
0.0000%
SBI Banking & PSU Fund - Regular Plan - Daily Income Distribution cum Capital Withdrawal Option (IDCW) 1459.31
0.0200
0.0000%
SBI Banking & PSU Fund - Direct Plan - Weekly Income Distribution cum Capital Withdrawal Option (IDCW) 1496.57
0.0400
0.0000%
SBI Banking & PSU Fund - Direct Plan - Daily Income Distribution cum Capital Withdrawal Option (IDCW) 1499.91
0.0400
0.0000%
SBI BANKING & PSU FUND - Regular Paln - Growth 3198.64
0.0500
0.0000%
SBI BANKING & PSU FUND - Direct Plan - Growth 3405.22
0.0900
0.0000%

Review Date: 12-12-2025

Beginning of Analysis

In the Banking and PSU Debt Fund category, Sbi Banking & Psu Fund is the 7th ranked fund. The category has total 20 funds. The Sbi Banking & Psu Fund has shown a very good past performence in Banking and PSU Debt Fund. The fund has a Jensen Alpha of 0.43% which is lower than the category average of 0.64%, showing poor performance. The fund has a Sharpe Ratio of 1.36 which is lower than the category average of 1.47.
The past performance of the fund may or may not be sustained in the future. The review is not investment advice nor is it a recommendation to buy or sell funds. The ranking is based on proprietary methodology developed by bmsmoney. The methodology is based on the past performance of the funds and does not guarantee future performance.
Banking and PSU Debt Mutual Funds are a category of debt mutual funds that invest primarily in debt instruments issued by banks, public sector undertakings (PSUs), and public financial institutions. These funds must allocate a minimum of 80% of their total assets in debt securities issued by these entities. Banking and PSU Debt Mutual Funds are ideal for conservative investors seeking stable returns with relatively lower risk. However, they may not be suitable for those looking for higher returns or willing to take on more risk. Investors should also consider their investment horizon and tax implications before investing in these funds.

Sbi Banking & Psu Fund Return Analysis

  • The fund has given a return of 0.19%, 1.59 and 2.56 in last one, three and six months respectively. In the same period the category average return was 0.12%, 1.52% and 2.5% respectively.
  • Sbi Banking & Psu Fund has given a return of 7.95% in last one year. In the same period the Banking and PSU Debt Fund category average return was 7.71%.
  • The fund has given a return of 7.76% in last three years and ranked 7.0th out of 20 funds in the category. In the same period the Banking and PSU Debt Fund category average return was 7.65%.
  • The fund has given a return of 5.91% in last five years and ranked 14th out of 17 funds in the category. In the same period the Banking and PSU Debt Fund category average return was 6.17%.
  • The fund has given a return of 7.46% in last ten years and ranked 8th out of 14 funds in the category. In the same period the category average return was 7.44%.
  • The fund has given a SIP return of -8.81% in last one year whereas category average SIP return is -9.03%. The fund one year return rank in the category is 5th in 21 funds
  • The fund has SIP return of 6.13% in last three years and ranks 5th in 20 funds. Kotak Banking And Psu Debt Fund has given the highest SIP return (6.34%) in the category in last three years.
  • The fund has SIP return of 6.47% in last five years whereas category average SIP return is 6.53%.

Sbi Banking & Psu Fund Risk Analysis

  • The fund has a standard deviation of 1.18 and semi deviation of 0.77. The category average standard deviation is 1.11 and semi deviation is 0.74.
  • The fund has a Value at Risk (VaR) of 0.0 and a maximum drawdown of -0.15. The category average VaR is -0.04 and the maximum drawdown is -0.13. The fund has a beta of 0.79 which shows that fund is less volatile than the benchmark.

Standard deviation measures the fund's return volatility and Semi deviation focuses on downside volatility. Value at Risk (VaR) is a measure of the risk of investments. Maximum Drawdown is the maximum loss from a peak to a trough of a portfolio. Beta measures the volatility of the fund compared to the benchmark. A beta of 1 indicates that the fund will move in line with the benchmark. A beta of more than 1 indicates that the fund will be more volatile than the benchmark and vice versa.


  • Very Good Performance in Banking and PSU Debt Fund Category
  • Good Performance in Banking and PSU Debt Fund Category
  • Poor Performance in Banking and PSU Debt Fund Category
  • Very Poor Performance in Banking and PSU Debt Fund Category

    • Investors beware: Mutual Fund investments are subject to market risks. Please read the scheme related documents carefully.

    Data Source: www.amfiindia.com

    SEBI Categorization


    KPIs* Fund Benchmark Cat. Avg Min | Max Rank (In Cat.) Performance
    1M Return % 0.15
    0.09
    		-0.03 | 0.27 5 | 21 Very Good
    3M Return % 1.49
    1.43
    		1.18 | 1.84 5 | 21 Very Good
    6M Return % 2.36
    2.31
    		1.92 | 2.87 9 | 21 Good
    1Y Return % 7.52
    7.32
    		6.62 | 7.79 6 | 21 Very Good
    3Y Return % 7.28
    7.26
    		6.87 | 7.58 12 | 20 Average
    5Y Return % 5.43
    5.78
    		5.22 | 6.98 15 | 17 Average
    7Y Return % 6.78
    7.01
    		6.14 | 7.86 11 | 15 Average
    10Y Return % 6.93
    7.07
    		6.44 | 7.46 10 | 14 Average
    1Y SIP Return % -9.18
    -9.37
    		-9.97 | -8.77 6 | 21 Very Good
    3Y SIP Return % 5.66
    5.60
    		5.16 | 5.93 9 | 20 Good
    5Y SIP Return % 5.99
    6.14
    		5.79 | 6.97 12 | 17 Average
    7Y SIP Return % 6.14
    6.37
    		5.88 | 6.95 12 | 15 Average
    10Y SIP Return % 6.32
    6.46
    		5.99 | 6.78 11 | 14 Average
    Standard Deviation 1.18
    1.11
    		0.79 | 1.56 13 | 20 Average
    Semi Deviation 0.77
    0.74
    		0.50 | 1.07 13 | 20 Average
    Max Drawdown % -0.15
    -0.13
    		-0.40 | 0.00 11 | 20 Average
    VaR 1 Y % 0.00
    -0.04
    		-0.45 | 0.00 18 | 20 Poor
    Average Drawdown % -0.09
    -0.09
    		-0.25 | 0.00 11 | 20 Average
    Sharpe Ratio 1.36
    1.47
    		1.05 | 2.12 12 | 20 Average
    Sterling Ratio 0.72
    0.72
    		0.69 | 0.76 11 | 20 Average
    Sortino Ratio 0.85
    0.94
    		0.58 | 1.41 12 | 20 Average
    Jensen Alpha % 0.43
    0.64
    		-1.66 | 2.61 12 | 20 Average
    Modigliani Square Measure % 6.52
    7.07
    		5.07 | 9.08 14 | 20 Average
    Alpha % -0.87
    -0.75
    		-1.06 | -0.41 15 | 20 Average
    Return data last Updated On : Dec. 12, 2025.
    Other parameters, fund ranking, non return related analysis are updated after every month end. Last Updated On : Nov. 28, 2025
    KPIs: Key Performance Indicators

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    KPIs* Fund Benchmark Cat. Avg Min | Max Rank (In Cat.) Performance
    1M Return % 0.19 0.12 0.00 | 0.29 5 | 21 Very Good
    3M Return % 1.59 1.52 1.32 | 1.93 5 | 21 Very Good
    6M Return % 2.56 2.50 2.06 | 3.04 9 | 21 Good
    1Y Return % 7.95 7.71 6.94 | 8.15 7 | 21 Good
    3Y Return % 7.76 7.65 7.19 | 7.95 7 | 20 Good
    5Y Return % 5.91 6.17 5.61 | 7.23 14 | 17 Average
    7Y Return % 7.27 7.39 6.33 | 8.20 11 | 15 Average
    10Y Return % 7.46 7.44 6.74 | 7.85 8 | 14 Good
    1Y SIP Return % -8.81 -9.03 -9.72 | -8.46 5 | 21 Very Good
    3Y SIP Return % 6.13 5.98 5.49 | 6.34 5 | 20 Very Good
    5Y SIP Return % 6.47 6.53 6.22 | 7.24 11 | 17 Average
    7Y SIP Return % 6.63 6.74 6.25 | 7.20 9 | 15 Average
    10Y SIP Return % 6.82 6.83 6.27 | 7.19 9 | 14 Average
    Standard Deviation 1.18 1.11 0.79 | 1.56 13 | 20 Average
    Semi Deviation 0.77 0.74 0.50 | 1.07 13 | 20 Average
    Max Drawdown % -0.15 -0.13 -0.40 | 0.00 11 | 20 Average
    VaR 1 Y % 0.00 -0.04 -0.45 | 0.00 18 | 20 Poor
    Average Drawdown % -0.09 -0.09 -0.25 | 0.00 11 | 20 Average
    Sharpe Ratio 1.36 1.47 1.05 | 2.12 12 | 20 Average
    Sterling Ratio 0.72 0.72 0.69 | 0.76 11 | 20 Average
    Sortino Ratio 0.85 0.94 0.58 | 1.41 12 | 20 Average
    Jensen Alpha % 0.43 0.64 -1.66 | 2.61 12 | 20 Average
    Modigliani Square Measure % 6.52 7.07 5.07 | 9.08 14 | 20 Average
    Alpha % -0.87 -0.75 -1.06 | -0.41 15 | 20 Average
    Return data last Updated On : Dec. 12, 2025.
    Other parameters, fund ranking, non return related analysis are updated after every month end. Last Updated On : Nov. 28, 2025
    KPIs: Key Performance Indicators

    Disclaimer: Past performance may or may not be sustained in future and should not be used as a basis for comparison with other investments. Returns for periods above 1 year are annualised.


    Date Sbi Banking & Psu Fund NAV Regular Growth Sbi Banking & Psu Fund NAV Direct Growth
    12-12-2025 3198.644 3405.2192
    11-12-2025 3198.5918 3405.1254
    10-12-2025 3197.9886 3404.445
    09-12-2025 3200.1513 3406.709
    08-12-2025 3202.796 3409.4862
    05-12-2025 3203.2022 3409.8036
    04-12-2025 3200.1732 3406.541
    03-12-2025 3200.3982 3406.7423
    02-12-2025 3200.0238 3406.3055
    01-12-2025 3200.6021 3406.883
    28-11-2025 3201.2562 3407.4644
    27-11-2025 3201.3013 3407.4741
    26-11-2025 3201.1678 3407.2937
    25-11-2025 3199.3208 3405.2895
    24-11-2025 3198.4764 3404.3544
    21-11-2025 3196.2664 3401.8932
    20-11-2025 3197.2794 3402.935
    19-11-2025 3196.5427 3402.1145
    18-11-2025 3195.3403 3400.7984
    17-11-2025 3195.4508 3400.8797
    14-11-2025 3194.8956 3400.1798
    13-11-2025 3193.6197 3398.7856
    12-11-2025 3193.7242 3398.8605

    Fund Launch Date: 30/Sep/2009
    Fund Category: Banking and PSU Fund
    Investment Objective: The scheme seeks to generate regular income through a judicious mix of portfolio comprising predominantly debt and money market securities of Banks, Public Sector Undertakings, Public Financial Institutions and Municipal bodies.
    Fund Description: An open-ended Debt Scheme predominantly investing in debt instruments of banks, Public Sector Undertakings, Public Financial Institutions and Municipal bodies.
    Fund Benchmark: NIFTY Banking and PSU Debt
    Source: Fund FactSheet

    Disclaimer: NO INVESTMENT ADVICE. The Content is for informational purposes only.