MonitorDirect · GrowthWatch before adding
Invesco India Banking and PSU Debt Fund
Invesco Mutual FundIncome/Debt Oriented Schemes - Banking and PSU Debt Fund13.8 years
- NAV
- 2,569.0035
- 29 Oct 2026
- 1Y
- +3.7%
- Trailing CAGR
- AUM
- ₹80.29 Cr
- 30 Sept 2026
- Volatility
- Low
- 2.2% annualized
Buying brief
Should you add this fund?
Evidence on this desk, framed as a purchase checklist - not SEBI-registered advice.
As of 29 Oct 2026
Stance
Watch before adding
Recent evidence is mixed. Compare peers before increasing exposure.
In three lines
Fits if · Three-year return is above the category median.
Fits if · Risk-adjusted return sits above the documented risk-free proxy.
Prefer peers if · Prefer Bandhan Banking and PSU Debt Fund if you want a same-category peer with stronger evidence.
Buy checklist
History depth
Pass
13.8 years of path to read.
Engine status
Watch
Recent evidence is mixed. Compare peers before increasing exposure.
Expense ratio
Pass
0.26% TER (Direct). Lower cost compounds on long SIPs.
Drawdown vs peers
Pass
Peak-to-trough -4.9%. Ask whether you can hold through a similar fall.
Vs category
Fail
10% of rolling 3Y windows beat the category median, same plan and option.
Manager tenure
n/a
Manager not listed.
Exit load
n/a
No exit-load summary on file.
Tax / wrapper
Pass
Direct Growth, no ELSS lock flagged. Equity LTCG rules still apply after one year - not tax advice.
Portfolio concentration
Watch
Top 10 holdings ≈ 71.4% of the portfolio.
Browse category
Same-category peers are preloaded into compare when available.
Before you buy or SIP
Behaviour and wrappers - the usual India MF failure modes - not a buy instruction.
SIP discipline
Monitor is recent mixed evidence - keep the SIP unless the buying brief says prefer peers, then swap with intent.
NAV
Path not in current snapshots
n/a
Returns
Trailing CAGR and simulated monthly SIP XIRR from daily NAV. Category comparison uses the median of comparable share classes in the peer set.
Trailing CAGR
Point-to-point, calendar-day annualized
- 1Y+3.7%
- 3Y+6.9%
- 5Y+5.6%
- 10Y+6.5%
- SI+7.0%
SIP XIRR
Equal monthly instalments to latest NAV
- 1Y+3.3%
- 3Y+5.7%
- 5Y+6.2%
- 10Y+6.2%
- Since inception
- +7.0%
- Calendar-day CAGR
- Excess 1Y
- -0.2%
- Category median, same plan and option
- 3Y win rate
- +10%
- Windows beating the median
- 3Y percentile
- 62
- Vs comparable share classes
- SIP 3Y XIRR
- +5.7%
- Simulated monthly SIP
- Worst rolling 3Y
- +3.6%
- 2619 daily-ending windows
- Median rolling 3Y
- +7.5%
- Calendar-day CAGR
- Positive rolling 5Y
- +100%
- 2136 daily-ending windows
Drawdown
Peak to trough from a running NAV high, with the path and recovery episodes.
- Max drawdown
- -4.9%
- Worst peak-to-trough
- Current
- -0.7%
- Below last peak
- Current spell
- 50 days
- Days below latest peak
- Time below peak
- +50%
- NAV observations
Drawdown
Path not in current snapshots
n/a
- Average recovery
- 5 days
- 334 recovered episodes
- Longest recovery
- 195 days
- Trough to prior peak
9 Mar 2020 – 23 Apr 2020
Trough 23 Mar 2020 · recovered in 31 days
-4.9%
15 Dec 2021 – 17 Nov 2022
Trough 6 May 2022 · recovered in 195 days
-2.9%
8 Jan 2021 – 8 Apr 2021
Trough 26 Feb 2021 · recovered in 41 days
-2.8%
27 May 2013 – 30 Sept 2013
Trough 16 Jul 2013 · recovered in 76 days
-2.1%
Dimensions
0–100 reads of named metrics. The mean is unweighted and only uses dimensions with data.
Returns
62
Vs category
49
Consistency
19
Risk-adjusted
53
Drawdown
88
Mean
54
Decision
Quantitative engine reasons behind the buying stance. An explanation can only restate what is already here.
Monitor
Buying stance
Watch before adding
Recent evidence is mixed. Compare peers before increasing exposure.
Why this status
- AUM fell by 30% or more versus the prior observation.
Supporting reads
- Three-year return is above the category median.
- Risk-adjusted return sits above the documented risk-free proxy.
- Peak-to-trough drawdown has stayed shallower than 15%.
Portfolio
30 Sept 2026 · 17 holdings · top 10 are 71.4%.
- Top 5
- 40.8%
- Top 10
- 71.4%
- Largest holding
- 12.2%
- Effective holdings
- 14.6
GOVERNMENT OF INDIA 35031 GOI 07OT34 6.79 FV RS 100
Entities
12.2%
INDIAN RAILWAY FINANCE CORPORATION LIMITED SR 181 7.37 BD 31JL29 FVRS1LAC
Financial
9.9%
POWER FINANCE CORPORATION LTD. SR-177 7.85 BD 03AP28 FVRS10LAC
Financial
6.3%
HINDUSTAN PETROLEUM CORPORATION LIMITED SR IV 7.64 NCD 04NV27 FVRS10LAC
Energy & Utilities
6.2%
NATIONAL HIGHWAYS AUTHORITY OF INDIA SR IV 7.49 BD 01AG29 FVRS10LAC
Industrials
6.2%
Worth investigating
Same-category peers with enough history to inspect beside this fund - including tradeoffs.
Bandhan Banking and PSU Debt Fund
Bandhan Mutual Fund
- 1Y
- +5.0%
- 3Y
- +7.0%
- Vol
- 1.5%
- Max DD
- -3.3%
- Sharpe
- 1.15
- 3Y win
- +48%
- Lower volatility
- Shallower drawdown
- Higher win rate vs category
- Higher trailing returns
Caveat: Higher TER
LIC MF Banking & PSU Debt Fund
LIC Mutual Fund
- 1Y
- +4.2%
- 3Y
- +7.1%
- Vol
- 1.2%
- Max DD
- -2.8%
- Sharpe
- 1.21
- 3Y win
- +32%
- Lower volatility
- Shallower drawdown
- Higher win rate vs category
- Higher trailing returns
Caveat: Higher TER
SBI BANKING & PSU DEBT FUND
SBI Mutual Fund
- 1Y
- +4.3%
- 3Y
- +7.1%
- Vol
- 1.4%
- Max DD
- -3.2%
- Sharpe
- 1.28
- 3Y win
- +50%
- Lower volatility
- Shallower drawdown
- Higher win rate vs category
- Higher trailing returns
Caveat: Higher TER
Sundaram Banking and PSU Debt Fund (Formerly Known as Sundaram Banking and PSU Fund)
Sundaram Mutual Fund
- 1Y
- +9.1%
- 3Y
- n/a
- Vol
- 1.3%
- Max DD
- -0.5%
- Sharpe
- 1.83
- 3Y win
- n/a
- Lower volatility
- Shallower drawdown
- Higher win rate vs category
- Higher trailing returns
Caveat: Higher TER
Aditya Birla Sun Life Banking & PSU Debt Fund
Aditya Birla Sun Life Mutual Fund
- 1Y
- +3.4%
- 3Y
- +6.7%
- Vol
- 1.6%
- Max DD
- -3.0%
- Sharpe
- 1.35
- 3Y win
- +84%
- Lower volatility
- Shallower drawdown
- Higher win rate vs category
Caveat: Higher TER · Lower trailing returns