HealthyDirect · Growth
LIC MF Banking & PSU Debt Fund
LIC Mutual FundIncome/Debt Oriented Schemes - Banking and PSU Debt Fund13.7 years
- NAV
- 40.0409
- 15 Sept 2026
- 1Y
- +5.4%
- Trailing CAGR
- AUM
- ₹1,648.88 Cr
- 31 Aug 2026
- Volatility
- Low
- 1.2% 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+5.4%
- 3Y+7.3%
- 5Y+6.3%
- 10Y+7.0%
- SI+7.3%
SIP XIRR
Equal monthly instalments to latest NAV
- 1Y+5.4%
- 3Y+6.7%
- 5Y+6.8%
- 10Y+6.8%
- Since inception
- +7.3%
- Calendar-day CAGR
- Excess 1Y
- +0.1%
- Category median, same plan and option
- 3Y win rate
- +31%
- Windows beating the median
- 3Y percentile
- 83
- Vs comparable share classes
- Worst rolling 3Y
- +4.4%
- 2589 daily-ending windows
- Median rolling 3Y
- +7.7%
- Calendar-day CAGR
- Positive rolling 5Y
- +100%
- 2105 daily-ending windows
- SIP 3Y XIRR
- +6.7%
- 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
- 305 recovered episodes
- Longest recovery
- 59 days
- Trough to prior peak
- Current spell
- 6 days
- Days below latest peak
- Time below peak
- +34%
- NAV observations
6 Mar 2020 – 20 Apr 2020
Trough 23 Mar 2020 · recovered in 28 days
-2.8%
5 Jan 2021 – 5 Apr 2021
Trough 5 Feb 2021 · recovered in 59 days
-0.9%
6 Jun 2025 – 17 Jul 2025
Trough 13 Jun 2025 · recovered in 34 days
-0.6%
7 May 2026 – 5 Jun 2026
Trough 21 May 2026 · recovered in 15 days
-0.5%
Dimensions
0–100 reads of named metrics. The mean is unweighted and only uses dimensions with data.
Returns
83
Vs category
51
Consistency
39
Risk-adjusted
100
Drawdown
93
Mean
73
Portfolio
31 Aug 2026 · 49 holdings · top 10 are 38.0%.
- Top 5
- 22.2%
- Top 10
- 38.0%
- Largest holding
- 9.2%
- Effective holdings
- 28.9
Repo
Unspecified
9.2%
GOVERNMENT OF INDIA 37176 182 DAYS TBILL 03SP26 FV RS 100
Financial
6.1%
Nuclear Power Corpn. Of India Ltd. 8.14 25/03/2028
Energy & Utilities
3.8%
NLC INDIA LIMITED SR I 8.09 LOA 29MY29 FVRS10LAC
Energy & Utilities
3.8%
NATIONAL HIGHWAYS AUTHORITY OF INDIA SERIES IV 8.37 BD 21JN29 FVRS10LAC
Industrials
3.3%
Decision
Quantitative read of the live evidence. An explanation can only restate what is already here.
As of 15 Sept 2026
Healthy
Engine status
Healthy
Doing its job
Why this status
- No material deterioration, cost shock, or persistent category underperformance in the current evidence set.
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%.
Worth investigating
Same-category peers with enough history to inspect beside this fund.
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
- 2.33
- 3Y win
- n/a
- Shallower drawdown
- Higher win rate vs category
- Lower TER
- Higher trailing returns
Caveat: Higher volatility
UTI Banking & PSU Debt Fund
UTI Mutual Fund
- 1Y
- +6.2%
- 3Y
- +7.4%
- Vol
- 3.0%
- Max DD
- -6.7%
- Sharpe
- 0.67
- 3Y win
- +61%
- Higher win rate vs category
- Lower TER
- Higher trailing returns
Caveat: Higher volatility · Deeper drawdown
Bajaj Finserv Banking and PSU Debt Fund
Bajaj Finserv Mutual Fund
- 1Y
- +5.2%
- 3Y
- n/a
- Vol
- 1.2%
- Max DD
- -0.8%
- Sharpe
- 1.72
- 3Y win
- n/a
- Shallower drawdown
- Higher win rate vs category
Caveat: Higher volatility · Higher TER · Lower trailing returns
Canara Robeco Banking and PSU Debt Fund
Canara Robeco Mutual Fund
- 1Y
- +5.0%
- 3Y
- +6.7%
- Vol
- 0.9%
- Max DD
- -0.7%
- Sharpe
- 1.37
- 3Y win
- 0%
- Lower volatility
- Shallower drawdown
Caveat: Higher TER · Lower trailing returns
HSBC Banking and PSU Debt Fund
HSBC Mutual Fund
- 1Y
- +5.2%
- 3Y
- +7.0%
- Vol
- 1.0%
- Max DD
- -0.6%
- Sharpe
- 1.69
- 3Y win
- 0%
- Lower volatility
- Shallower drawdown
Caveat: Lower trailing returns