ITI Banking and PSU Debt Fund Regular-Growth

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

The ITI Banking & PSU Debt Fund is a 4 yrs 9 m old fund and has delivered average annual returns of 5.85% since inception. ITI Banking & PSU Debt Fund Returns 1-Year 3-Year Since Inception 8.3% 7.1% 5.85%

NAV as of Jul 04, 2025	Returns since inception	ET Money Rank	AUM (Fund size)
₹13.082+0.0% 1 day change	5.85% p.a.	#NA View Ranked Funds	₹35 Cr

Historical NAV & returns

NAV: ₹13.082 as on Jul 04, 2025

This fund Category average

ITI Banking & PSU Debt Fund overview

Expense ratio	0.7% as on May 31, 2025
Exit load	0%
AUM (Fund size)	₹35 Cr
Lock-in Period	Nil
Age	4 yrs 9 m since Oct 05, 2020
Benchmark	CRISIL Banking and PSU Debt A-II
Min. investment	This scheme is currently not buyable
Risk	Low to Moderate
Tax on your gains	Profits are added to your income and taxed as per your slab rate

ITI 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%

Asset allocationas on Apr 30, 2025

Large Cap 0.0%

Mid Cap 0.0%

Small Cap 0.0%

Other Cap 0.0%

Top holdings

Bifurcation by Holding is not available for this fund

Top sectors

Bifurcation by Sector is not available for this fund

AAA 50.62%

SOV 24.13%

A1+ 20.09%

Cash & Call Money 4.91%

Top Debt Holdings

GOI 9.36%

REC Ltd. 8.49%

National Housing Bank 7.11%

Small Industries Devp. Bank of India Ltd. 7.09%

Allocation by Instruments

Bifurcation by Instrument is not available for this fund

Other Holdings

Others 0.24%

Peer comparison

Fund name	ETM Rank	AUM	Fund age	Expense ratio
ITI Banking & PSU Debt Fund	N.A.	35 Cr	4 yrs 9 m	0.7%
ICICI Prudential Banking & PSU Debt Fund	N.A.	10,485 Cr	12 yrs 6 m	0.39%
Axis Banking & PSU Debt Fund	N.A.	13,313 Cr	12 yrs 6 m	0.35%
Bandhan Banking & PSU Debt Fund	N.A.	13,580 Cr	12 yrs 4 m	0.33%
LIC MF Banking & PSU Fund	N.A.	1,702 Cr	12 yrs 6 m	0.28%
Aditya Birla Sun Life Banking & PSU Debt Fund	N.A.	8,826 Cr	12 yrs 6 m	0.39%

Fund name	1M	6M	1Y	3Y	5Y	10Y
ITI Banking & PSU Debt Fund	0.31%	4.51%	8.3%	7.1%	N.A.	N.A.
ICICI Prudential Banking & PSU Debt Fund	0.3%	4.95%	9.17%	8.29%	6.87%	8.02%
Axis Banking & PSU Debt Fund	0.29%	5.13%	9.34%	7.5%	6.17%	7.61%
Bandhan Banking & PSU Debt Fund	0.35%	4.92%	9.11%	7.6%	6.23%	7.57%
LIC MF Banking & PSU Fund	0.19%	5.53%	9.87%	7.86%	6.12%	7.42%
Aditya Birla Sun Life Banking & PSU Debt Fund	0.06%	5.17%	9.5%	7.92%	6.51%	7.99%

Fund name	Std. deviation	Beta	Sharpe	Sortino
ITI Banking & PSU Debt Fund	0.79	1.67	0.68	1.16
ICICI Prudential Banking & PSU Debt Fund	0.8	1.2	2.05	4.1
Axis Banking & PSU Debt Fund	1.02	2.31	0.88	1.48
Bandhan Banking & PSU Debt Fund	0.87	2.09	1.17	2.48
LIC MF Banking & PSU Fund	1.25	2.77	0.98	1.81
Aditya Birla Sun Life Banking & PSU Debt Fund	1.07	2.18	1.22	2.07

View all Banking And Psu funds

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

Alpha	3.67 vs. 4.32 Underperformed at beating benchmark
Sharpe	0.68 vs. 4.14 Poor risk-adjusted returns
Beta	1.67 vs. 1.98 Less sensitive to market ups & downs
Standard deviation	0.79 vs. 1.04 More stable returns

Compare ITI Banking & PSU Debt Fund in detail with

About this fund

About ITI Banking & PSU Debt Fund

ITI Banking and PSU Debt Fund Regular-Growth is a Banking and PSU mutual fund scheme from Iti Mutual Fund. This fund has been in existence for 4 yrs 9 m, having been launched on 05/10/2020. ITI Banking and PSU Debt Fund Regular-Growth has ₹35 Crores worth of assets under management (AUM) as on 30/04/2025 and is small fund of its category. The latest Net Asset Value (NAV) of ITI Banking and PSU Debt Fund Regular-Growth as of 04/07/2025 is ₹13.08. The fund has an expense ratio of 0.7%, which is higher than what most other Banking And Psu funds charge.

ITI Banking and PSU Debt Fund Regular-Growth returns of last 1-year are 8.33%. Since launch, it has delivered 5.88% average annual returns.
ITI Banking and PSU Debt Fund Regular-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 above 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, REC Ltd., National Housing Bank, Small Industries Devp. Bank of India Ltd., Indian Railway Finance Corporation Ltd..

...

Fund AUM

35 Cr as on Apr 30, 2025

Fund managers

Laukik Bagwe

Mr. Bagwe is a B.Com (H) and PGDBA (Finance) Prior to joining ITI Mutual fund he has worked with DSP Mutual Fund, Derivium Capital and Securities Pvt. Ltd. and with Birla Sun Life Securities Ltd.

Investment objective

The scheme seeks to generate income / capital appreciation through investments in debt and money market instruments consisting predominantly of securities issued by entities such as Scheduled Commercial Banks(SCBs), Public Sector undertakings(PSUs), Public Financial Institutions(PFIs) and Municipal Bonds.

ITI Mutual Fund details

No. of schemes	0 view all schemes
Total AUM	9,293 Cr as on Mar 31, 2025
Address	ITI Asset Mangement Limited, ITI House, Building no. 36, Dr. R. K. Shirodkar Marg, Parel, Mumbai, 400012
Email	mfassist@itiorg.com
Phone	022-66214999

Frequently asked questions

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

The current Net Asset Value (NAV) of the ITI Banking & PSU Debt Fund - Direct Growth plan is approximately ₹13.082 as of Jul 04, 2025.

What are the returns of this mutual fund scheme?

The ITI Banking & PSU Debt Fund is a 4 yrs 9 m old fund and has delivered average annual returns of 5.85% since inception.

ITI Banking & PSU Debt Fund Returns

1-Year	3-Year	Since Inception
8.3%	7.1%	5.85%

How much does this mutual fund charge as expense ratio?

The ITI Banking & PSU Debt Fund - Direct Growth has an expense ratio of 0.7%, 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 ITI Banking & PSU Debt Fund currently has assets under management (AUM) or fund size valued at approximately 35 Cr as on Apr 30, 2025.

To whom does ITI Banking & PSU Debt Fund lend to?

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

Holding Name	Percentage of Portfolio
GOI	9.36%
REC Ltd.	8.49%
National Housing Bank	7.11%

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 ITI Banking & PSU Debt Fund allocation by credit quality is given below

Credit Quality	Percentage of Portfolio
AAA	50.62%
SOV	24.13%
A1+	20.09%

What is risk level of ITI Banking & PSU Debt Fund?

This is a Banking And Psu fund comes with Low to 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 ITI Banking & PSU Debt Fund?

ITI Banking and PSU Debt Fund Regular-Growth is the regular plan of the fund. For this plan of you pay 0.7% as annual charges. On the other hand if you go for the direct plan available on ET Money, you pay 0.15%. That's 0.5499999999999999% less.

Regular plans charge more because when you buy them, the fund pays commission to the agent. This is an additional expense for the fund and to cover this expense, the fund takes a bigger share from the returns generated by your investments.

So, the lower annual cost of the direct plan means you will earn 0.5499999999999999% if you opt for direct plan of ITI Banking & PSU Debt Fund

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

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