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

₹14.2 per unit as of 21 Aug 2026 (Direct plan, growth). NAV is declared daily on working days.

What is the expense ratio of ITI Banking & PSU Debt Fund?

0.23% a year for the Direct plan, as of 30 Jun 2026.

How large is ITI Banking & PSU Debt Fund?

₹34 crore under management as of 31 Jul 2026, in the Banking and PSU Fund category.

How risky is ITI Banking & PSU Debt Fund?

Its SEBI Riskometer reading is "Low to Moderate Risk". Lending to companies and banks for extra yield over government paper.

What are the 5-year returns of ITI Banking & PSU Debt Fund?

6.38% a year over the last 5 years (Direct plan, CAGR), against a Banking and PSU Fund average of 6.30%. Past returns do not predict future returns.

What is the worst 3-year return of ITI Banking & PSU Debt Fund?

6.1% a year — the weakest of 25 overlapping 3-year holding periods, beginning 2 Aug 2021. The median was 7.2% and 100% of those windows ended positive. Windows overlap, so this is the range of past start dates, not a probability.

Who manages ITI Banking & PSU Debt Fund?

Laukik Bagwe, managing this fund for 1.5 years.

ITI Banking & PSU Debt Fund

ITI Mutual FundDirectOpen-endedBanking and PSU FundRiskometer: Low to Moderate Risk

NAV

₹14.2

as of 21 Aug 2026

ITI Banking & PSU Debt Fund is an open-ended Banking and PSU Fund scheme from ITI Mutual Fund managing ₹34 crore (as of 31 Jul 2026). Its Direct-plan NAV is ₹14.2 as of 21 Aug 2026. The expense ratio is 0.23% a year. Managed by Laukik Bagwe. This page is factual data only — it carries no rating and no recommendation.

Key facts

Expense ratio: 0.23% / yr; as of 30 Jun 2026
Fund size: ₹34 crore; as of 31 Jul 2026
Exit load: None
SIP available: Yes
Launched: 22 Oct 2020
ISIN: INF00XX01861

₹100 invested, fund vs category

The category line is the average of the funds in this category, built from NYVO’s own NAV data.

Rebased to 100data to 20 Aug 2026Benchmark: NIFTY COMPOSITE G-SEC INDEX

Aug 2021Aug 2026

ITI Banking & PSU Debt Fund

₹136

+36% on ₹100 over 5.0 yrs

Banking and PSU Fund average

₹135

+35% on ₹100 over 5.0 yrs

Returns vs category

Window	Fund	Category avg	Gap
3 months	2.00%	2.62%	-0.62
6 months	2.60%	2.81%	-0.21
1 year	5.20%	5.51%	-0.31
3 years (CAGR)	7.15%	7.32%	-0.17
5 years (CAGR)	6.38%	6.30%	+0.08

Category average across 19 funds, as of 20 Aug 2026. Short windows are noise; the 3 and 5-year rows are the record. Past returns do not predict future returns.

Risk, measured

Sharpe ratio (3Y): 0.69
Sharpe ratio (5Y): 0.53
Sortino ratio (3Y): 1.31 vs category 0.54
Standard deviation (3Y): 1.03%

Where the money actually is

Bonds

79.4%

Cash

20.6%

Whole-portfolio split, as of 31 Jul 2026.

What it owns

18 positions · top 10 = 55.5%

Top holdings

Nuclear Power Corporation Of India Limitedmatures 25 Mar 20289.11%
6.94% Govt Stock 2036matures 11 May 20369.03%
National Housing Bankmatures 8 Sep 20278.99%
Rec Limitedmatures 26 Feb 20278.98%
Indian Railway Finance Corporation Limitedmatures 28 Aug 20278.98%
HDFC Bank Limitedmatures 22 Jan 20278.68%
Small Industries Development Bank Of Indiamatures 19 Apr 20277.49%
Power Finance Corporation Limitedmatures 5 Jan 20277.46%
Treps 03-Aug-2026matures 3 Aug 20266.42%
National Bank For Agriculture And Rural Developmentmatures 24 Mar 20285.98%

Holdings as of 31 Jul 2026. Portfolio turnover 474.2% vs category 141.4% a year.

Exposure figures are gross: funds that use derivatives (arbitrage, hedged books) hold offsetting positions, so concentration and turnover can read above 100%.

The debt it holds

Yield to maturity: 6.80% vs category 7.05%
Modified duration: 1.52 yrs vs category 2.50 yrs
Average maturity: 2.47 yrs vs category 3.65 yrs
Average coupon: 7.41%
Government securities: 46.1%

Credit quality

AAA: 100.0%

Government securities are counted inside AAA by the data provider’s ladder; the sovereign share is listed separately above. Credit quality as of 30 Jun 2026.

Portfolio characteristics as of 31 Jul 2026. Yield to maturity is what the portfolio would return if every holding were held to maturity and paid in full. It is not a forecast of the fund’s return, and it is quoted before expenses.

Money in, money out

Net flow, 12 months: −₹11 cr
Net flow, 3 months: −₹5 cr

as of 31 Jul 2026. Flows follow performance more than they predict it.

Quick answers

What is the NAV of ITI Banking & PSU Debt Fund?: ₹14.2 per unit as of 21 Aug 2026 (Direct plan, growth). NAV is declared daily on working days.
What is the expense ratio of ITI Banking & PSU Debt Fund?: 0.23% a year for the Direct plan, as of 30 Jun 2026.
How large is ITI Banking & PSU Debt Fund?: ₹34 crore under management as of 31 Jul 2026, in the Banking and PSU Fund category.
How risky is ITI Banking & PSU Debt Fund?: Its SEBI Riskometer reading is "Low to Moderate Risk". Lending to companies and banks for extra yield over government paper.
What are the 5-year returns of ITI Banking & PSU Debt Fund?: 6.38% a year over the last 5 years (Direct plan, CAGR), against a Banking and PSU Fund average of 6.30%. Past returns do not predict future returns.
What is the worst 3-year return of ITI Banking & PSU Debt Fund?: 6.1% a year — the weakest of 25 overlapping 3-year holding periods, beginning 2 Aug 2021. The median was 7.2% and 100% of those windows ended positive. Windows overlap, so this is the range of past start dates, not a probability.
Who manages ITI Banking & PSU Debt Fund?: Laukik Bagwe, managing this fund for 1.5 years.

Where this fund sits

Its shelf, all funds

Cb · Corporate & credit →

Lending to companies and banks for extra yield over government paper.

The money map

How big this shelf is in India →

The whole industry sized by real money, from AMFI’s monthly data.

Side by side

Compare this fund →

Put it next to any other fund — growth, returns, risk and cost in one table.

One bet or two?

Check its overlap →

See whether it owns the same stocks as your other funds.

Other Banking and PSU Fund funds

Data: NYVO research systems; each block above states its own as-of date, and blocks with no data for this fund are omitted rather than estimated. NAV updates daily on working days. The benchmark (NIFTY COMPOSITE G-SEC INDEX) is named for reference only; its values are licensed and never shown. This page is factual information about one scheme. It is not investment advice, not a recommendation, and it carries no rating of any kind. Past performance does not predict future returns. Mutual fund investments are subject to market risks; read all scheme related documents carefully.