Lic Mf Banking & Psu Debt Fund Overview
Category Banking and PSU Fund
BMSMONEY Rank 14
BMSMONEY Rating
Gro. Opt. As On: 20-01-2025
NAV ₹33.38(R) +0.09% ₹35.92(D) +0.09%
Returns 1Y 3Y 5Y 7Y 10Y
LumpSum (R) 7.83% 5.85% 5.66% 6.49% 6.54%
LumpSum (D) 8.37% 6.41% 6.22% 7.07% 7.15%
SIP (R) -23.32% 3.32% 4.65% 5.51% 6.09%
SIP (D) -22.9% 3.88% 5.21% 6.09% 6.68%
Ratio Sharpe Ratio Sortino Ratio Sterling Ratio Jensen's Alpha Treynor Ratio
-1.04 -0.33 0.56 -% -
Risk STD. Dev VaR 1Y95% Max DD Beta Semi Devi.
1.03% -0.04% -0.33% - 0.75%
Top Banking and PSU Fund
Fund Name Rank Rating
ICICI Prudential Banking & PSU Debt Fund 1
UTI Banking & PSU Fund 2
Dsp Banking & Psu Debt Fund 3
Kotak Banking And Psu Debt Fund 4

NAV Date: 20-01-2025

Scheme Name NAV Rupee Change Percent Change
LIC MF Banking & PSU Fund-Direct Plan-Weekly IDCW 10.08
0.0100
0.0900%
LIC MF Banking & PSU Fund-Regular Plan-Weekly IDCW 10.25
0.0100
0.0900%
LIC MF Banking & PSU Fund-Regular Plan-Daily IDCW 11.14
0.0000
0.0000%
LIC MF Banking & PSU Fund-Regular Plan-Monthly IDCW 12.49
0.0100
0.0900%
LIC MF Banking & PSU Fund-Direct Plan-Monthly IDCW 13.53
0.0100
0.0900%
LIC MF Banking & PSU Fund-Direct Plan-Daily IDCW 14.31
0.0000
0.0000%
LIC MF Banking & PSU Fund-Regular Plan-Growth 33.38
0.0300
0.0900%
LIC MF Banking & PSU Fund-Direct Plan-Growth 35.92
0.0300
0.0900%

Review Date: 20-01-2025

Lic Mf Banking & Psu Debt Fund has exhibited poor performance in the Banking and PSU Debt Fund category. The fund has rank of 14 out of 19 funds in the category. The fund has delivered return of 7.83% in 1 year, 5.85% in 3 years, 5.66% in 5 years and 6.54% in 10 years. The category average for the same periods is 7.81%, 6.07%, 6.28% and 7.11% respectively, which shows average return performance of fund in the category. The fund has exhibited standard deviation of 1.03, VaR of -0.04, Average Drawdown of -0.24, Semi Deviation of 0.75 and Max Drawdown of -0.33. The category average for the same parameters is 1.29, -0.45, -0.58, 0.94 and -0.87 respectively. The fund has low risk in the category.

Key Points:

  1. An investment of ₹10,000 in Lic Mf Banking & Psu Debt Fund direct growth option would have grown to ₹10837.0 in 1 year, ₹12048.0 in 3 years and ₹13523.0 in 5 years as of today (20-01-2025).
  2. An SIP of ₹1,000 per month in Lic Mf Banking & Psu Debt Fund direct growth option would have grown to ₹10450.0 in 1 year, ₹38198.0 in 3 years and ₹68463.0 in 5 years as of today (20-01-2025).
  3. standard deviation of 1.03 and based on VaR one can expect to lose more than -0.04% of current value of fund in one year.
  4. Sharpe ratio of the fund is -1.04 which shows average performance of fund in the banking and psu debt fund category.


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KPIs* Fund Benchmark Cat. Avg Min | Max Rank (In Cat.) Performance
1M Return % 0.58
0.55
0.38 | 0.63 6 | 22 Very Good
3M Return % 1.47
1.51
1.19 | 1.74 16 | 22 Average
6M Return % 3.71
3.68
3.43 | 3.87 9 | 22 Good
1Y Return % 7.83
7.81
7.24 | 8.57 10 | 22 Good
3Y Return % 5.85
6.07
5.41 | 8.27 14 | 19 Average
5Y Return % 5.66
6.28
5.59 | 7.23 13 | 15 Poor
7Y Return % 6.49
6.84
5.96 | 7.57 12 | 15 Average
10Y Return % 6.54
7.11
6.33 | 7.48 11 | 12 Poor
15Y Return % 6.91
13.65
6.91 | 26.11 3 | 3 Average
1Y SIP Return % -23.32
-23.33
-23.65 | -23.12 11 | 22 Good
3Y SIP Return % 3.32
3.46
3.12 | 3.94 13 | 19 Average
5Y SIP Return % 4.65
5.03
4.54 | 6.09 14 | 15 Poor
7Y SIP Return % 5.51
5.97
5.40 | 6.47 14 | 15 Poor
10Y SIP Return % 6.09
6.46
5.92 | 6.81 11 | 13 Average
15Y SIP Return % 6.58
10.09
6.58 | 19.48 4 | 4 Poor
Standard Deviation 1.03
1.29
0.73 | 3.21 7 | 19 Good
Semi Deviation 0.75
0.94
0.52 | 1.70 6 | 19 Good
Max Drawdown % -0.33
-0.87
-2.46 | 0.00 4 | 19 Very Good
VaR 1 Y % -0.04
-0.45
-2.69 | 0.00 8 | 19 Good
Average Drawdown % -0.24
-0.58
-1.67 | 0.00 5 | 19 Very Good
Sharpe Ratio -1.04
-0.80
-1.12 | 0.38 15 | 19 Average
Sterling Ratio 0.56
0.55
0.41 | 0.77 10 | 19 Good
Sortino Ratio -0.33
-0.24
-0.36 | 0.36 17 | 19 Poor
Return data last Updated On : Jan. 20, 2025.
Other parameters, fund ranking, non return related analysis are updated after every month end. Last Updated On : Dec. 31, 2024
KPIs: Key Performance Indicators

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KPIs* Fund Benchmark Cat. Avg Min | Max Rank (In Cat.) Performance
1M Return % 0.62 0.58 0.41 | 0.67 4 | 21
3M Return % 1.59 1.60 1.27 | 1.83 13 | 21
6M Return % 3.97 3.87 3.63 | 4.06 5 | 21
1Y Return % 8.37 8.22 7.65 | 8.86 7 | 21
3Y Return % 6.41 6.50 5.79 | 8.57 9 | 18
5Y Return % 6.22 6.72 6.01 | 7.45 13 | 14
7Y Return % 7.07 7.26 6.14 | 7.90 12 | 14
10Y Return % 7.15 7.50 6.82 | 7.89 10 | 12
1Y SIP Return % -22.90 -23.01 -23.33 | -22.85 5 | 21
3Y SIP Return % 3.88 3.88 3.58 | 4.25 10 | 18
5Y SIP Return % 5.21 5.45 4.93 | 6.36 11 | 14
7Y SIP Return % 6.09 6.39 5.81 | 6.82 13 | 14
10Y SIP Return % 6.68 6.89 6.35 | 7.23 10 | 12
Standard Deviation 1.03 1.29 0.73 | 3.21 7 | 19
Semi Deviation 0.75 0.94 0.52 | 1.70 6 | 19
Max Drawdown % -0.33 -0.87 -2.46 | 0.00 4 | 19
VaR 1 Y % -0.04 -0.45 -2.69 | 0.00 8 | 19
Average Drawdown % -0.24 -0.58 -1.67 | 0.00 5 | 19
Sharpe Ratio -1.04 -0.80 -1.12 | 0.38 15 | 19
Sterling Ratio 0.56 0.55 0.41 | 0.77 10 | 19
Sortino Ratio -0.33 -0.24 -0.36 | 0.36 17 | 19
Return data last Updated On : Jan. 20, 2025.
Other parameters, fund ranking, non return related analysis are updated after every month end. Last Updated On : Dec. 31, 2024
KPIs: Key Performance Indicators

Investment Period Regular Direct
Return % Current Value of ₹ 10000 Return % Current Value of ₹ 10000
1D 0.09 ₹ 10,009.00 0.09 ₹ 10,009.00
1W 0.32 ₹ 10,032.00 0.33 ₹ 10,033.00
1M 0.58 ₹ 10,058.00 0.62 ₹ 10,062.00
3M 1.47 ₹ 10,147.00 1.59 ₹ 10,159.00
6M 3.71 ₹ 10,371.00 3.97 ₹ 10,397.00
1Y 7.83 ₹ 10,783.00 8.37 ₹ 10,837.00
3Y 5.85 ₹ 11,860.00 6.41 ₹ 12,048.00
5Y 5.66 ₹ 13,167.00 6.22 ₹ 13,523.00
7Y 6.49 ₹ 15,529.00 7.07 ₹ 16,127.00
10Y 6.54 ₹ 18,841.00 7.15 ₹ 19,941.00
15Y 6.91 ₹ 27,256.00 ₹

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.

Investment Period Invested Amount Regular Direct
XIRR % Current Value of Invested Amount XIRR % Current Value of Invested Amount
1Y ₹ 12000 -23.32 ₹ 10,420.50 -22.90 ₹ 10,450.46
3Y ₹ 36000 3.32 ₹ 37,875.20 3.88 ₹ 38,198.27
5Y ₹ 60000 4.65 ₹ 67,495.14 5.21 ₹ 68,463.24
7Y ₹ 84000 5.51 ₹ 102,206.58 6.09 ₹ 104,319.94
10Y ₹ 120000 6.09 ₹ 164,049.72 6.68 ₹ 169,245.48
15Y ₹ 180000 6.58 ₹ 302,367.96 ₹


Date Lic Mf Banking & Psu Debt Fund NAV Regular Growth Lic Mf Banking & Psu Debt Fund NAV Direct Growth
20-01-2025 33.379 35.919
17-01-2025 33.3496 35.8859
16-01-2025 33.3316 35.866
15-01-2025 33.2921 35.8231
14-01-2025 33.2671 35.7957
13-01-2025 33.2722 35.8007
10-01-2025 33.3158 35.8461
09-01-2025 33.3104 35.8398
08-01-2025 33.3083 35.837
07-01-2025 33.3121 35.8407
06-01-2025 33.2902 35.8165
03-01-2025 33.276 35.7999
02-01-2025 33.264 35.7864
01-01-2025 33.2558 35.7771
31-12-2024 33.2572 35.7781
30-12-2024 33.239 35.7581
27-12-2024 33.222 35.7384
26-12-2024 33.2089 35.7238
24-12-2024 33.2081 35.7219
23-12-2024 33.2142 35.728
20-12-2024 33.1875 35.6978

Fund Launch Date: 28/May/2007
Fund Category: Banking and PSU Fund
Investment Objective: The primary investment objective of the Scheme is to seek to generate income and capital appreciation by primarily investing in a portfolio of high quality debt and money market securities that are issued by banks, public sector undertakings, public financial institutions and Municipal Bonds. There is no assurance that the investment objective of the Scheme will be realized.
Fund Description: An open ended debt scheme predominantly investing in debt instruments of banks, public sector undertakings, public financial institutions and municipal bonds.
Fund Benchmark: Nifty Banking and PSU Debt Index
Source: Fund FactSheet

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