ICICI Prudential Banking & PSU Debt Direct-Growth

Q: What are the returns of ICICI Prudential Banking & PSU Debt Fund?

The ICICI Prudential Banking & PSU Debt Fund is a 12 yrs 8 m old fund and has delivered average annual returns of 8.18% since inception. ICICI Prudential Banking & PSU Debt Fund Returns 1-Year 3-Year 5-Year 10-Year Since Inception 8.14% 7.83% 6.69% 7.89% 8.18%

NAV as of Sep 03, 2025	Returns since inception	ET Money Rank	AUM (Fund size)
₹34.4333+0.04% 1 day change	8.18% p.a.	App exclusive #NA View Ranked Funds	₹10,485 Cr

Historical NAV & returns

NAV: ₹34.4333 as on Sep 03, 2025

This fund Category average

ICICI Prudential Banking & PSU Debt Fund overview

Expense ratio	0.39% as on Aug 31, 2025
Exit load	0%
AUM (Fund size)	₹10,485 Cr
Lock-in Period	Nil
Age	12 yrs 8 m since Jan 01, 2013
Benchmark	Nifty Banking & PSU Debt Index A-II
Min. investment	SIP: ₹1000 & Lumpsum: ₹5000
Risk	Moderate
Tax on your gains	Profits are added to your income and taxed as per your slab rate

ICICI Prudential Banking & PSU Debt Fund Returns calculator

Investment type

Monthly investment

₹ 10,000

Investment period

Lumpsum investment

₹1 lakh

Investment period

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.

Total investment ₹ 12 lakh
Profit ₹12 lakhs
Total corpus ₹1 lakh
Absolute return 52.69%

Trailing returns as on Sep 04, 2025

Period	This fund	Category average
1 Month	-0.13%	-0.22%
3 Months	0.75%	0.47%
6 Months	4.38%	4.5%
1 Year	8.14%	8.1%
2 Years	8.01%	7.95%
3 Years	7.83%	7.46%
4 Years	6.86%	6.36%
5 Years	6.69%	6.15%
7 Years	7.66%	7.45%
10 Years	7.89%	7.48%

Asset allocationas on May 31, 2025

Large Cap 0%

Mid Cap 0%

Small Cap 0%

Other Cap 0%

Top holdings

Bifurcation by Holding is not available for this fund

Top sectors

Bifurcation by Sector is not available for this fund

AAA 79.33885886%

SOV 14.27105813%

Cash & Call Money 4.44288105%

A1+ 0.90547009%

Top Debt Holdings

HDFC Bank Ltd. 10.37%

GOI 10.02%

REC Ltd. 7.97%

Small Industries Devp. Bank of India Ltd. 4.73%

Allocation by Instruments

Debenture 43.55563602%

Non Convertible Debenture 17.43884253%

Cash Margin 10.49095036%

GOI Securities 10.02209641%

Other Holdings

Others 10.49%

Detailed portfolio analysis

Peer comparison

Fund name	ETM Rank	AUM	Fund age	Expense ratio
ICICI Prudential Banking & PSU Debt Fund	N.A.	10,485 Cr	12 yrs 8 m	0.39%
Axis Banking & PSU Debt Fund	N.A.	13,313 Cr	12 yrs 8 m	0.35%
Bandhan Banking and PSU Fund	N.A.	13,580 Cr	12 yrs 6 m	0.33%
LIC MF Banking & PSU Fund	N.A.	1,702 Cr	12 yrs 8 m	0.28%
Aditya Birla Sun Life Banking & PSU Debt Fund	N.A.	8,826 Cr	12 yrs 8 m	0.39%

Fund name	1M	6M	1Y	3Y	5Y	10Y
ICICI Prudential Banking & PSU Debt Fund	-0.13%	4.38%	8.14%	7.83%	6.69%	7.89%
Axis Banking & PSU Debt Fund	-0.13%	4.49%	8.18%	7.29%	6.04%	7.51%
Bandhan Banking and PSU Fund	-0.1%	4.23%	7.9%	7.4%	6.06%	7.46%
LIC MF Banking & PSU Fund	-0.23%	4.86%	8.47%	7.58%	5.99%	7.33%
Aditya Birla Sun Life Banking & PSU Debt Fund	-0.36%	4.4%	8.05%	7.55%	6.31%	7.86%

Fund name	Std. deviation	Beta	Sharpe	Sortino
ICICI Prudential Banking & PSU Debt Fund	0.87	1.76	1.45	2.23
Axis Banking & PSU Debt Fund	1.06	2.6	0.72	1.15
Bandhan Banking and PSU Fund	0.94	2.39	0.9	1.56
LIC MF Banking & PSU Fund	1.32	3.18	0.77	1.29
Aditya Birla Sun Life Banking & PSU Debt Fund	1.17	2.69	0.86	1.32

View all Banking And Psu funds

Key risk & return ratios Compared to other funds in the category

Alpha	4.53 vs. 4.36 Higher outperformance against benchmark
Sharpe	1.45 vs. 4.43 Poor risk-adjusted returns
Beta	1.76 vs. 2.01 Less sensitive to market ups & downs
Standard deviation	0.87 vs. 1.14 More stable returns

Compare ICICI Prudential Banking & PSU Debt Fund in detail with

About this fund

About ICICI Prudential Banking & PSU Debt Fund

ICICI Prudential Banking & PSU Debt Direct-Growth is a Banking and PSU mutual fund scheme from Icici Prudential Mutual Fund. This fund has been in existence for 12 yrs 8 m, having been launched on 01/01/2013. ICICI Prudential Banking & PSU Debt Direct-Growth has ₹10,485 Crores worth of assets under management (AUM) as on 31/05/2025 and is medium-sized fund of its category. The latest Net Asset Value (NAV) of ICICI Prudential Banking & PSU Debt Direct-Growth as of 03/09/2025 is ₹34.43. The fund has an expense ratio of 0.39%, which is close to what most other Banking And Psu funds charge.

ICICI Prudential Banking & PSU Debt Direct-Growth returns of last 1-year are 8.17%. Since launch, it has delivered 8.19% average annual returns. The fund has doubled the money invested in it every 10 yrs.
ICICI Prudential Banking & PSU Debt Direct-Growth scheme's ability to deliver returns consistently is higher than most funds of its category. Its ability to control losses in a falling market is high.
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 HDFC Bank Ltd., GOI, REC Ltd., Small Industries Devp. Bank of India Ltd., State Bank of India.

...

Fund AUM	10,485 Cr as on May 31, 2025
Scheme document	View Scheme Document

Fund managers

Rohit Lakhotia

Mr. Lakhotia has done B.Tech from NIT(Rourkela) and MBA from National Institute of Industrial Engineering Prior to joining ICICI Prudential Mutual Fund, he has worked with Yes Bank and Samsung Electronics

Manish Banthia

Mr. Banthia is B.Com, CA and MBA He is associated with ICICI Prudential Asset Management Company since Oct 2005, ICICI Prudential AMC - Fixed Income Investments - Aug 2007 to Oct 2009, ICICI Prudential AMC - New Product Development - Oct 2005 to Jul 2007, Aditya Birla Nuvo Ltd. - From May 2005 to Oct 2005, Aditya Birla Management Corporation Ltd. - From May 2004 to May 2005.

Investment objective

The Scheme seeks to generate income through predominantly investing in Debt instruments of banks, Public Sector

ICICI Prudential Mutual Fund details

No. of schemes	103 view all schemes
Total AUM	9,83,726 Cr as on Jun 30, 2025
Address	One BKC , A Wing , 13th Floor, Bandra Kurla Complex, Mumbai, 400051

More funds from ICICI Prudential Mutual Fund

Fund name	ETM Rank	AUM	1Y	3Y
ICICI Prudential Income Plus Arbitrage Active FoF	N.A.	594 Cr	5.9%	12.12%
ICICI Prudential Credit Risk Fund	N.A.	6,135 Cr	9.26%	8.61%
ICICI Prudential Floating Interest Fund	N.A.	7,429 Cr	8.41%	8.45%
ICICI Prudential All Seasons Bond Fund	N.A.	14,981 Cr	8.34%	8.37%
ICICI Prudential Nifty G-Sec Dec 2030 Index Fund	N.A.	967 Cr	8.34%	N.A.
ICICI Prudential Short Term Fund	N.A.	21,284 Cr	8.75%	8.3%

See all Debt funds from this AMC

Frequently asked questions

What is the current NAV of ICICI Prudential Banking & PSU Debt Fund?

The current Net Asset Value (NAV) of the ICICI Prudential Banking & PSU Debt Fund - Direct Growth plan is approximately ₹34.4333 as of Sep 03, 2025.

What are the returns of this mutual fund scheme?

The ICICI Prudential Banking & PSU Debt Fund is a 12 yrs 8 m old fund and has delivered average annual returns of 8.18% since inception.

ICICI Prudential Banking & PSU Debt Fund Returns

1-Year	3-Year	5-Year	10-Year	Since Inception
8.14%	7.83%	6.69%	7.89%	8.18%

How much does this mutual fund charge as expense ratio?

The ICICI Prudential Banking & PSU Debt Fund - Direct Growth has an expense ratio of 0.39%, which reflects the fund's management and operating costs. This percentage is subtracted from the fund's annual returns, impacting net returns for investors.

What is the AUM or fund size of this mutual fund?

The ICICI Prudential Banking & PSU Debt Fund currently has assets under management (AUM) or fund size valued at approximately 10,485 Cr as on May 31, 2025.

To whom does ICICI Prudential Banking & PSU Debt Fund lend to?

The top 3 debt holdings of ICICI Prudential Banking & PSU Debt Fund are as follows

Holding Name	Percentage of Portfolio
HDFC Bank Ltd.	10.37%
GOI	10.02%
REC Ltd.	7.97%

What is the quality of borrowers this mutual fund scheme lends to?

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

The ICICI Prudential Banking & PSU Debt Fund allocation by credit quality is given below

Credit Quality	Percentage of Portfolio
AAA	79.33885886%
SOV	14.27105813%
Cash & Call Money	4.44288105%

What is risk level of ICICI Prudential Banking & PSU Debt Fund?

This is a Banking And Psu fund comes with Moderate risk.

Is there any lock-in period in this mutual fund?

No, this fund does not have any lock-in period.

How do I invest in ICICI Prudential Banking & PSU Debt Fund?

It is very fast, easy, and completely paperless in this mutual fund scheme on ET Money. It is just a matter of a few minutes. Here's how:

For the Desktop Version:

Click on the "Invest Now" button at the top right, then scan the QR code to download the app.

For the Mobile Version:

Click on the "Invest on App" button at the bottom to download the app.
Once the app is downloaded:
Sign-up and complete your one time KYC process, or log in if you're already registered.
Search for ICICI Prudential Banking & PSU Debt Fund and choose the investment mode (Lump sum investment or a SIP). Then, enter your investment amount.
Fill in additional required details, including the bank account you'll use for payment, and confirm.

All set! Your investment in ICICI Prudential Banking & PSU Debt Fund is complete.

How can I redeem my investments in ICICI Prudential Banking & PSU Debt Fund?

Redeeming your investments in ICICI Prudential 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 ICICI Prudential Banking & PSU Debt Fund from anywhere else, you can go to the fund house website and put a request through it.

ET Money rank

App exclusive

in Banking and PSU

#NA

Return Consistency: This fund is one of the best in generating consistent return in it's category.
Volatility Protection: This fund is one of the best in protecting against volatility in it's category.
Return Outperformance: This fund has generated highest return amongst Banking and PSU funds in the last 10 Years.
Chance: This fund has generated a 7.24% annual return in 70% of times for investors holding for at least 5 years.
Exit Load: This fund has no exit load.
Return/Risk: The fund is performing poorly than its category.