TickerKhojNippon India Mutual Fund · Debt · Banking and PSU Debt · Direct plan
Nippon India Banking and PSU Debt Fund - Direct Plan - Growth
₹22.8423NAV on 30 Oct 2026Expense ratio 0.39%
3 Nov 2025NAV low 22.04 · high 22.97+3.8%
In plain words
Over 3 years it returned +6.9% a year, against +7.4% for its benchmark index.
Its worst fall from a peak in the last 3 years was -0.7%.
On 3-year return it ranks 6 of 15 funds in Banking and PSU Debt.
A monthly SIP over 10 years ended ₹39,295 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 | -0.1% | +1.9% |
| 3 months | +0.0% | -5.1% |
| 6 months | +2.5% | -3.2% |
| 1 year | +3.9% | -10.2% |
| 3 years (yearly) | +6.9% | +7.4% |
| 5 years (yearly) | +6.2% | +6.5% |
| 10 years (yearly) | +7.1% | +11.3% |
| Since start (yearly) | +7.5% | +11.2% |
Monthly SIP of ₹10,000
| Period | Invested | Value now | Yearly return |
|---|---|---|---|
| 1 year | ₹1,20,000 | ₹1,22,468 | +3.8% |
| 3 years | ₹3,60,000 | ₹3,93,469 | +5.8% |
| 5 years | ₹6,00,000 | ₹7,04,986 | +6.4% |
| 10 years | ₹12,00,000 | ₹17,01,152 | +6.8% |
Top holdings (30 Sept 2026)
Fund size ₹5,057 crore · 107 holdings · 0% in equity
| Company | Industry | Weight |
|---|---|---|
| 7.61% Government of India | SOVEREIGN | 4.03% |
| 7.48% National Bank For Agriculture and Rural Development | CRISIL AAA | 3.54% |
| Small Industries Dev Bank of India** | CRISIL AAA | 3.47% |
| 7.68% National Bank For Agriculture and Rural Development** | CRISIL AAA | 3.45% |
| 7.59% National Housing Bank** | CRISIL AAA | 2.57% |
| 7.77% REC Limited** | CRISIL AAA | 2.47% |
| 7.34% Small Industries Dev Bank of India** | CRISIL AAA | 2.45% |
| 7.8% Union Bank of India** | ICRA AAA | 2.01% |
| 7.7% Nuclear Power Corporation Of India Limited** | ICRA AAA | 1.98% |
| Bank of Baroda | CARE A1+ | 1.94% |
| 7.02% Power Grid Corporation of India Limited** | CRISIL AAA | 1.92% |
| 7.79% Bajaj Finance Limited** | CRISIL AAA | 1.90% |
| 7.57% Indian Railway Finance Corporation Limited** | CRISIL AAA | 1.87% |
| 8.54% REC Limited** | CRISIL AAA | 1.71% |
| 7.56% Power Grid Corporation of India Limited** | CRISIL AAA | 1.67% |
Largest industries: CRISIL AAA 56.7%, SOVEREIGN 8.5%, ICRA AAA 5.9%, CARE A1+ 5.3%, CRISIL A1+ 1.9%, FITCH A1+ 1.5%.
Other plan of this fund: Nippon India Banking and PSU Debt Fund - Regular Plan - Growth