TickerKhojSBI Mutual Fund · Debt · Banking and PSU Debt · Direct plan
SBI BANKING & PSU DEBT FUND - Direct Plan - Growth
₹3,539.9055NAV on 31 Oct 2026Expense ratio 0.41%
30 Oct 2025NAV low 3,389.69 · high 3,539.91+4.4%
In plain words
Over 3 years it returned +7.1% a year, against +7.4% for its benchmark index.
Its worst fall from a peak in the last 3 years was -0.6%.
On 3-year return it ranks 3 of 15 funds in Banking and PSU Debt.
A monthly SIP over 10 years ended ₹41,781 higher in the direct plan than the regular plan, because of the lower expense ratio.
Past returns, not a promise of future returns or a recommendation.
Returns vs benchmark
| Period | Fund | Benchmark |
|---|---|---|
| 1 month | +0.2% | +1.9% |
| 3 months | +0.6% | -5.1% |
| 6 months | +2.9% | -3.2% |
| 1 year | +4.4% | -10.2% |
| 3 years (yearly) | +7.1% | +7.4% |
| 5 years (yearly) | +6.1% | +6.5% |
| 10 years (yearly) | +7.0% | +11.3% |
| Since start (yearly) | +7.7% | +11.2% |
Monthly SIP of ₹10,000
| Period | Invested | Value now | Yearly return |
|---|---|---|---|
| 1 year | ₹1,20,000 | ₹1,23,417 | +4.7% |
| 3 years | ₹3,60,000 | ₹3,97,888 | +6.3% |
| 5 years | ₹5,90,000 | ₹6,97,945 | +6.6% |
| 10 years | ₹11,90,000 | ₹16,81,273 | +6.7% |
Top holdings (30 Sept 2026)
Fund size ₹3,512 crore · 41 holdings · 0% in equity
| Company | Industry | Weight |
|---|---|---|
| Small Industries Development Bank of India | CRISIL A1+ | 5.41% |
| Canara Bank | CRISIL A1+ | 5.41% |
| ONGC Petro Additions Ltd. | CRISIL AA+ | 4.99% |
| GAIL (India) Ltd. | IND AAA | 4.97% |
| HDFC Bank Ltd. | [ICRA]A1+ | 4.19% |
| 6.17% CGL 2028 | Sovereign | 4.16% |
| HDFC Bank Ltd. | CRISIL A1+ | 4.16% |
| State Bank of India( AT1 Bond under Basel III ) | CRISIL AA+ | 3.69% |
| Bank of Baroda | IND A1+ | 3.48% |
| India Infrastructure Finance Company Ltd. | IND AAA | 3.46% |
| Union Bank of India | [ICRA]A1+ | 3.45% |
| 7.11% State Government of Assam 2030 | Sovereign | 2.82% |
| Canara Bank | CRISIL A1+ | 2.79% |
| Axis Bank Ltd. | CRISIL A1+ | 2.77% |
| Union Bank of India | [ICRA]A1+ | 2.76% |
Largest industries: CRISIL A1+ 28.2%, [ICRA]A1+ 12.5%, CRISIL AAA 11.8%, IND AAA 9.7%, Sovereign 9.7%, CRISIL AA+ 9.0%.
Other plan of this fund: SBI BANKING & PSU DEBT FUND - Regular Plan - Growth