MonitorDirect · Growth
ITI Banking & PSU Debt Fund
ITI Mutual FundDebt Scheme - Banking and PSU Fund5.9 years
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.
- NAV
- 14.224
- 15 Sept 2026
- 1Y
- +5.1%
- Trailing CAGR
- AUM
- ₹33.69 Cr
- 31 Aug 2026
- Volatility
- Low
- 0.8% annualized
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+5.1%
- 3Y+7.0%
- 5Y+6.3%
- 10Yn/a
- SI+6.2%
SIP XIRR
Equal monthly instalments to latest NAV
- 1Y+5.0%
- 3Y+6.4%
- 5Y+6.7%
- 10Yn/a
- Since inception
- +6.2%
- Calendar-day CAGR
- Excess 1Y
- -0.4%
- Category median, same plan and option
- 3Y win rate
- +52%
- Windows beating the median
- 3Y percentile
- 0
- Vs comparable share classes
- Worst rolling 3Y
- +5.1%
- 699 daily-ending windows
- Median rolling 3Y
- +7.0%
- Calendar-day CAGR
- Positive rolling 5Y
- +100%
- 218 daily-ending windows
- SIP 3Y XIRR
- +6.4%
- Simulated monthly SIP
Drawdown
Peak to trough from a running NAV high. Move across the path to read a date.
Drawdown
Path not in current snapshots
n/a
- Average recovery
- 4 days
- 153 recovered episodes
- Longest recovery
- 49 days
- Trough to prior peak
- Current spell
- 6 days
- Days below latest peak
- Time below peak
- +36%
- NAV observations
8 Jan 2021 – 30 Mar 2021
Trough 9 Feb 2021 · recovered in 49 days
-1.1%
7 May 2026 – 5 Jun 2026
Trough 21 May 2026 · recovered in 15 days
-0.4%
5 Dec 2025 – 29 Dec 2025
Trough 10 Dec 2025 · recovered in 19 days
-0.3%
6 Jun 2025 – 24 Jun 2025
Trough 13 Jun 2025 · recovered in 11 days
-0.2%
Dimensions
0–100 reads of named metrics. The mean is unweighted and only uses dimensions with data.
Returns
0
Vs category
47
Consistency
47
Risk-adjusted
88
Drawdown
97
Mean
56
Portfolio
31 Aug 2026 · 16 holdings · top 10 are 89.1%.
- Top 5
- 53.5%
- Top 10
- 89.1%
- Largest holding
- 17.8%
- Effective holdings
- 10.9
GOVERNMENT OF INDIA 37426 GOI 11MY36 6.94 FV RS 100
Entities
17.8%
Nuclear Power Corpn. Of India Ltd. 8.14 25/03/2028
Energy & Utilities
9.0%
REC LIMITED SR 230-A 7.71 BD 26FB27 FVRS1LAC
Financial
8.9%
NATIONAL HOUSING BANK 7.59 BD 08SP27 FVRS1LAC
Financial
8.9%
Indian Railway Finance Corpn. Ltd. 7.33 27/08/2027
Financial
8.9%
Decision
Quantitative read of the live evidence. An explanation can only restate what is already here.
As of 15 Sept 2026
Monitor
Engine status
Monitor
Recent evidence
Why this status
- Three-year return sits below the 25th percentile of comparable share classes.
Supporting reads
- Risk-adjusted return sits above the documented risk-free proxy.
- Peak-to-trough drawdown has stayed shallower than 15%.
Worth investigating
Same-category peers with enough history to inspect beside this fund.
Kotak Banking and PSU Debt Fund
Kotak Mahindra Mutual Fund
- 1Y
- +5.6%
- 3Y
- +7.3%
- Vol
- 1.5%
- Max DD
- -2.8%
- Sharpe
- 1.84
- 3Y win
- +72%
- Higher win rate vs category
- Higher trailing returns
Caveat: Higher volatility · Deeper drawdown · Higher TER
Franklin India Banking & PSU Debt Fund
Franklin Templeton Mutual Fund
- 1Y
- +6.5%
- 3Y
- +7.5%
- Vol
- 1.7%
- Max DD
- -3.6%
- Sharpe
- 1.49
- 3Y win
- +31%
- Higher trailing returns
Caveat: Higher volatility · Deeper drawdown
HDFC Banking and PSU Debt Fund
HDFC Mutual Fund
- 1Y
- +5.3%
- 3Y
- +7.2%
- Vol
- 1.6%
- Max DD
- -3.1%
- Sharpe
- 1.62
- 3Y win
- +45%
- Higher trailing returns
Caveat: Higher volatility · Deeper drawdown · Higher TER