ITI Banking & PSU Debt Fund

Q: What are the returns of this mutual fund scheme?

The ITI Banking & PSU Debt Fund is a 5 yrs 3 m old fund and has delivered average annual returns of 5.65% since inception. ITI Banking & PSU Debt Fund Returns 1-Year 3-Year 5-Year Since Inception 6.24% 6.75% 5.88% 5.65%

Q: How much does this mutual fund charge as expense ratio?

The ITI Banking & PSU Debt Fund has an expense ratio of 0.7% , representing the annual cost of managing and operating the fund. This fee is deducted from the fund's AUM while declaring the daily NAV, reducing investor returns.

NAV as of Feb 02, 2026	Returns since inception	ET Money Rank	AUM (Fund size)
₹13.3753+0.01% 1 day change	5.65% p.a.	App exclusive #NA View Ranked Funds	₹37 Cr

Historical NAV & returns

NAV: ₹13.3753 as on Feb 02, 2026

This fund Category average

ITI Banking & PSU Debt Fund overview

AUM (Fund size)	₹37 Cr
Exit load	0%
Lock-in Period	Nil
Age	5 yrs 3 m since Oct 05, 2020
Benchmark	CRISIL Banking and PSU Debt A-II
Min. investment	SIP: ₹1000 & Lumpsum: ₹5000
Expense ratio	0.7% as on Feb 02, 2026
Plan type	Regular
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%

Trailing returns as on Feb 03, 2026

Period	This fund	Category average
1 Month	0.14%	0.0%
3 Months	0.61%	0.53%
6 Months	1.8%	1.68%
1 Year	6.24%	6.56%
2 Years	6.66%	7.17%
3 Years	6.75%	7.14%
4 Years	6.24%	6.33%
5 Years	5.88%	5.84%

Asset allocationas on Dec 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 62.44%

A1+ 15.94%

SOV 13.29%

Cash & Call Money 8.06%

Top Debt Holdings

GOI 13.29%

Nuclear Power Corpn. Of India Ltd. 8.29%

National Bank For Agriculture & Rural Development 8.16%

National Housing Bank 8.15%

Allocation by Instruments

Bonds 36.54%

Debenture 17.75%

Certificate of Deposit 15.94%

GOI Securities 13.29%

Other Holdings

Others 4.88%

Detailed portfolio analysis

Peer comparison

Fund name	1M	6M	1Y	3Y	5Y	10Y
ITI Banking & PSU Debt Fund	0.14%	1.8%	6.24%	6.75%	5.88%	N.A.
ICICI Prudential Banking & PSU Debt Fund	-0.02%	2.01%	6.86%	7.41%	6.27%	7.39%
Axis Banking & PSU Debt Fund	-0.03%	1.74%	6.66%	6.96%	5.8%	7.11%
Bandhan Banking and PSU Fund	0.06%	1.71%	6.37%	6.94%	5.8%	7.05%
Sundaram Banking & PSU Fund	-0.05%	1.73%	6.68%	7.22%	5.6%	6.52%

Fund name	Std. deviation	Beta	Sharpe	Sortino
ITI Banking & PSU Debt Fund	0.87	0.96	0.5	0.86
ICICI Prudential Banking & PSU Debt Fund	0.93	1.08	1.17	1.58
Axis Banking & PSU Debt Fund	1.08	1.31	0.62	0.93
Bandhan Banking and PSU Fund	1.0	1.23	0.62	0.99
Sundaram Banking & PSU Fund	1.17	1.43	0.78	1.29

Fund name	ETM Rank	AUM	Fund age	Expense ratio
ITI Banking & PSU Debt Fund	N.A.	37 Cr	5 yrs 3 m	0.7%
ICICI Prudential Banking & PSU Debt Fund	N.A.	9,728 Cr	16 yrs 1 m	0.73%
Axis Banking & PSU Debt Fund	N.A.	13,574 Cr	13 yrs 8 m	0.62%
Bandhan Banking and PSU Fund	N.A.	12,651 Cr	12 yrs 11 m	0.66%
Sundaram Banking & PSU Fund	N.A.	377 Cr	21 yrs 1 m	0.44%

View all Banking And Psu funds

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

Alpha	2.23 vs. 3.19 Underperformed at beating benchmark
Sharpe	0.5 vs. 3.7 Poor risk-adjusted returns
Beta	0.96 vs. 1.12 Less sensitive to market ups & downs
Standard deviation	0.87 vs. 1.13 More stable returns

Compare ITI Banking & PSU Debt Fund in detail with

About this fund

About ITI Banking & PSU Debt Fund

ITI Banking & PSU Debt Fund is a Banking and PSU mutual fund scheme from Iti Mutual Fund. This fund has been in existence for 5 yrs 3 m, having been launched on 05/10/2020. ITI Banking & PSU Debt Fund has ₹37 Crores worth of assets under management (AUM) as on 31/12/2025 and is small fund of its category. The latest Net Asset Value (NAV) of ITI Banking & PSU Debt Fund as of 02/02/2026 is ₹13.38. The fund has an expense ratio of 0.7%, which is higher than what most other Banking And Psu funds charge.

ITI Banking & PSU Debt Fund returns of last 1-year are 6.29%. Since launch, it has delivered 5.66% average annual returns.
ITI Banking & PSU Debt Fund 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 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, Nuclear Power Corpn. Of India Ltd., National Bank For Agriculture & Rural Development, National Housing Bank, REC Ltd..

...

Fund AUM

37 Cr as on Dec 31, 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	17 view all schemes
Total AUM	11,167 Cr as on Dec 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

More funds from ITI Mutual Fund

Fund name	ETM Rank	AUM	1Y	3Y
ITI Liquid Fund	N.A.	59 Cr	6.19%	6.61%
ITI Ultra Short Duration Fund	N.A.	143 Cr	5.95%	6.28%
ITI Overnight Fund	N.A.	36 Cr	5.36%	6.05%
ITI Dynamic Bond Fund	N.A.	115 Cr	3.01%	5.89%

See all Debt funds from this AMC

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 plan is approximately ₹13.3753 as of Feb 02, 2026.

What are the returns of this mutual fund scheme?

The ITI Banking & PSU Debt Fund is a 5 yrs 3 m old fund and has delivered average annual returns of 5.65% since inception.

ITI Banking & PSU Debt Fund Returns

1-Year	3-Year	5-Year	Since Inception
6.24%	6.75%	5.88%	5.65%

How much does this mutual fund charge as expense ratio?

The ITI Banking & PSU Debt Fund has an expense ratio of 0.7%, representing the annual cost of managing and operating the fund. This fee is deducted from the fund's AUM while declaring the daily NAV, reducing investor returns.

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 37 Cr as on Dec 31, 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	13.29%
Nuclear Power Corpn. Of India Ltd.	8.29%
National Bank For Agriculture & Rural Development	8.16%

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	62.44%
A1+	15.94%
SOV	13.29%

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

Redeeming your investments in the ITI Banking & PSU Debt Fund is simple. If you have invested via ET Money, just log in to the app, go to the holdings section, and submit the redemption request.

If you have invested 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

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 5 Years.
Exit Load: This fund has no exit load.
Return Consistency: This fund ranks lower in terms of generating consistent return in it's category.
Return/Risk: The fund is performing poorly than its category.