HealthyDirect · Growth

SBI BANKING & PSU DEBT FUND

SBI Mutual Fund Income/Debt Oriented Schemes - Banking and PSU Debt Fund12.8 years

NAV: 3,528.9939; 15 Sept 2026
1Y: +5.3%; Trailing CAGR
AUM: ₹3,869.84 Cr; 31 Aug 2026
Volatility: Low; 1.4% annualized

Sept 2024 – Sept 2026

All funds

HealthyDirect · Growth

SBI BANKING & PSU DEBT FUND

SBI Mutual Fund Income/Debt Oriented Schemes - Banking and PSU Debt Fund12.8 years

NAV: 3,528.9939; 15 Sept 2026
1Y: +5.3%; Trailing CAGR
AUM: ₹3,869.84 Cr; 31 Aug 2026
Volatility: Low; 1.4% annualized

NAV path pending

NAV

15 Sept 2026 · +5.3% over 1Y

3,528.9939

Sept 20253,351.5428 – 3,535.6974Sept 2026

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+5.3%
3Y+7.2%
5Y+6.1%
10Y+7.1%
SI+7.7%

SIP XIRR

Equal monthly instalments to latest NAV

1Y+5.2%
3Y+6.6%
5Y+6.7%
10Y+6.8%

Since inception: +7.7%; Calendar-day CAGR
Excess 1Y: +0.1%; Category median, same plan and option
3Y win rate: +56%; Windows beating the median
3Y percentile: 67; Vs comparable share classes
Worst rolling 3Y: +4.3%; 2388 daily-ending windows
Median rolling 3Y: +7.9%; Calendar-day CAGR
Positive rolling 5Y: +100%; 1904 daily-ending windows
SIP 3Y XIRR: +6.6%; Simulated monthly SIP

Drawdown

Peak to trough from a running NAV high. Move across the path to read a date.

Drawdown

15 Sept 2026

-0.2%

Nov 2013-1.1% – 0.0%Sept 2026

Average recovery: 4 days; 267 recovered episodes
Longest recovery: 85 days; Trough to prior peak
Current spell: 6 days; Days below latest peak
Time below peak: +35%; NAV observations

6 Mar 2020 – 20 Apr 2020
Trough 23 Mar 2020 · recovered in 28 days
-3.2%
8 Jan 2021 – 27 Apr 2021
Trough 17 Mar 2021 · recovered in 41 days
-1.5%
5 Aug 2020 – 7 Oct 2020
Trough 28 Aug 2020 · recovered in 40 days
-1.2%
5 Apr 2022 – 2 Aug 2022
Trough 9 May 2022 · recovered in 85 days
-1.2%

Dimensions

0–100 reads of named metrics. The mean is unweighted and only uses dimensions with data.

Returns
67
Vs category
51
Consistency
59
Risk-adjusted
100
Drawdown
92
Mean
74

Portfolio

31 Aug 2026 · 48 holdings · top 10 are 49.4%.

Top 5: 26.4%
Top 10: 49.4%
Largest holding: 6.2%
Effective holdings: 26.9

GOVERNMENT OF INDIA 37426 GOI 11MY36 6.94 FV RS 100
Entities
6.2%
Repo
Unspecified
5.3%
Cash Margin
Unspecified
5.2%
SMALL INDUSTRIES DEVELOPMENT BANK OF INDIA CD 11JUN27
Financial
4.9%
CANARA BANK CD 28JUN27
Financial
4.9%

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

The fund beat the category median in 56% of rolling 3-year windows.
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%.

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+5.3%
3Y+7.2%
5Y+6.1%
10Y+7.1%
SI+7.7%

SIP XIRR

Equal monthly instalments to latest NAV

1Y+5.2%
3Y+6.6%
5Y+6.7%
10Y+6.8%

Since inception: +7.7%; Calendar-day CAGR
Excess 1Y: +0.1%; Category median, same plan and option
3Y win rate: +56%; Windows beating the median
3Y percentile: 67; Vs comparable share classes
Worst rolling 3Y: +4.3%; 2388 daily-ending windows
Median rolling 3Y: +7.9%; Calendar-day CAGR
Positive rolling 5Y: +100%; 1904 daily-ending windows
SIP 3Y XIRR: +6.6%; 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; 267 recovered episodes
Longest recovery: 85 days; Trough to prior peak
Current spell: 6 days; Days below latest peak
Time below peak: +35%; NAV observations

6 Mar 2020 – 20 Apr 2020
Trough 23 Mar 2020 · recovered in 28 days
-3.2%
8 Jan 2021 – 27 Apr 2021
Trough 17 Mar 2021 · recovered in 41 days
-1.5%
5 Aug 2020 – 7 Oct 2020
Trough 28 Aug 2020 · recovered in 40 days
-1.2%
5 Apr 2022 – 2 Aug 2022
Trough 9 May 2022 · recovered in 85 days
-1.2%

Dimensions

0–100 reads of named metrics. The mean is unweighted and only uses dimensions with data.

Returns
67
Vs category
51
Consistency
59
Risk-adjusted
100
Drawdown
92
Mean
74

Portfolio

31 Aug 2026 · 48 holdings · top 10 are 49.4%.

Top 5: 26.4%
Top 10: 49.4%
Largest holding: 6.2%
Effective holdings: 26.9

GOVERNMENT OF INDIA 37426 GOI 11MY36 6.94 FV RS 100
Entities
6.2%
Repo
Unspecified
5.3%
Cash Margin
Unspecified
5.2%
SMALL INDUSTRIES DEVELOPMENT BANK OF INDIA CD 11JUN27
Financial
4.9%
CANARA BANK CD 28JUN27
Financial
4.9%

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

The fund beat the category median in 56% of rolling 3-year windows.
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.

NAV

15 Sept 2026 · +5.3% over 1Y

3,528.9939

Sept 20253,351.5428 – 3,535.6974Sept 2026

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+5.3%
3Y+7.2%
5Y+6.1%
10Y+7.1%
SI+7.7%

SIP XIRR

Equal monthly instalments to latest NAV

1Y+5.2%
3Y+6.6%
5Y+6.7%
10Y+6.8%

Since inception: +7.7%; Calendar-day CAGR
Excess 1Y: +0.1%; Category median, same plan and option
3Y win rate: +56%; Windows beating the median
3Y percentile: 67; Vs comparable share classes
Worst rolling 3Y: +4.3%; 2388 daily-ending windows
Median rolling 3Y: +7.9%; Calendar-day CAGR
Positive rolling 5Y: +100%; 1904 daily-ending windows
SIP 3Y XIRR: +6.6%; Simulated monthly SIP

Drawdown

Peak to trough from a running NAV high. Move across the path to read a date.

Drawdown

15 Sept 2026

-0.2%

Nov 2013-1.1% – 0.0%Sept 2026

Average recovery: 4 days; 267 recovered episodes
Longest recovery: 85 days; Trough to prior peak
Current spell: 6 days; Days below latest peak
Time below peak: +35%; NAV observations

6 Mar 2020 – 20 Apr 2020
Trough 23 Mar 2020 · recovered in 28 days
-3.2%
8 Jan 2021 – 27 Apr 2021
Trough 17 Mar 2021 · recovered in 41 days
-1.5%
5 Aug 2020 – 7 Oct 2020
Trough 28 Aug 2020 · recovered in 40 days
-1.2%
5 Apr 2022 – 2 Aug 2022
Trough 9 May 2022 · recovered in 85 days
-1.2%

Dimensions

0–100 reads of named metrics. The mean is unweighted and only uses dimensions with data.

Returns
67
Vs category
51
Consistency
59
Risk-adjusted
100
Drawdown
92
Mean
74

Portfolio

31 Aug 2026 · 48 holdings · top 10 are 49.4%.

Top 5: 26.4%
Top 10: 49.4%
Largest holding: 6.2%
Effective holdings: 26.9

GOVERNMENT OF INDIA 37426 GOI 11MY36 6.94 FV RS 100
Entities
6.2%
Repo
Unspecified
5.3%
Cash Margin
Unspecified
5.2%
SMALL INDUSTRIES DEVELOPMENT BANK OF INDIA CD 11JUN27
Financial
4.9%
CANARA BANK CD 28JUN27
Financial
4.9%

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

The fund beat the category median in 56% of rolling 3-year windows.
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%.

SBI BANKING & PSU DEBT FUND

Returns

Drawdown

Dimensions

Portfolio

Decision

Worth investigating

Bajaj Finserv Banking and PSU Debt Fund

ICICI Prudential Banking and PSU Debt Fund

LIC MF Banking & PSU Debt Fund

Sundaram Banking and PSU Debt Fund (Formerly Known as Sundaram Banking and PSU Fund)

UTI Banking & PSU Debt Fund

SBI BANKING & PSU DEBT FUND

SBI BANKING & PSU DEBT FUND

Returns

Drawdown

Dimensions

Portfolio

Decision

Returns

Drawdown

Dimensions

Portfolio

Decision

Worth investigating

Bajaj Finserv Banking and PSU Debt Fund

ICICI Prudential Banking and PSU Debt Fund

LIC MF Banking & PSU Debt Fund

Sundaram Banking and PSU Debt Fund (Formerly Known as Sundaram Banking and PSU Fund)

UTI Banking & PSU Debt Fund

SBI BANKING & PSU DEBT FUND

Returns

Drawdown

Dimensions

Portfolio

Decision