ITI Banking & PSU Debt Fund Regular Growth
DebtBanking & PSULow to Moderate Risk
Regular
NAV (25-Feb-26)
Returns (Since Inception)
Fund Overview
Fund Size
₹37 Cr
Expense Ratio
0.70%
ISIN
INF00XX01838
Minimum SIP
₹1,000
Exit Load
No Charges
Inception Date
22 Oct 2020
About this fund
As of 25-Feb-26, it has a Net Asset Value (NAV) of ₹13.45, Assets Under Management (AUM) of 37.36 Crores, and an expense ratio of 0.7%.
- ITI Banking & PSU Debt Fund Regular Growth has given a CAGR return of 5.70% since inception.
- The fund's asset allocation comprises around 0.00% in equities, 67.52% in debts, and 32.48% in cash & cash equivalents.
- You can start investing in ITI Banking & PSU Debt Fund Regular Growth with a SIP of ₹1000 or a Lumpsum investment of ₹5000.
Performance against Category Average
In this section, we compare the returns of the scheme with the category average over various periods. Periods for which the fund has outperformed its category average are marked in green, otherwise red.
1 Year
+6.47%
+6.89% (Cat Avg.)
3 Years
+6.87%
+7.23% (Cat Avg.)
5 Years
+6.00%
+6.29% (Cat Avg.)
Since Inception
+5.70%
— (Cat Avg.)
Portfolio Summaryas of 15th February 2026
| Debt | ₹25.22 Cr | 67.52% |
| Others | ₹12.13 Cr | 32.48% |
Top Holdings
All Holdings
Equity
Debt & Others
| Name | Type  | Amount | Holdings |
|---|---|---|---|
| Net Receivables / (Payables) | Cash | ₹5.26 Cr | 14.03% |
| Nuclear Power Corporation Of India Limited | Bond - Corporate Bond | ₹3.08 Cr | 8.23% |
| National Housing Bank | Bond - Corporate Bond | ₹3.03 Cr | 8.08% |
| Rec Limited | Bond - Corporate Bond | ₹3.02 Cr | 8.07% |
| Indian Railway Finance Corporation Limited | Bond - Corporate Bond | ₹3.02 Cr | 8.06% |
| Bank Of Baroda | Cash - CD/Time Deposit | ₹2.99 Cr | 7.98% |
| Small Industries Development Bank Of India | Bond - Corporate Bond | ₹2.52 Cr | 6.73% |
| Ntpc Limited | Bond - Corporate Bond | ₹2.51 Cr | 6.69% |
| Power Finance Corporation Limited | Bond - Corporate Bond | ₹2.5 Cr | 6.68% |
| National Bank For Agriculture And Rural Development | Bond - Corporate Bond | ₹2.02 Cr | 5.40% |
| 6.48% Gs 2035 | Bond - Gov't/Treasury | ₹1.97 Cr | 5.26% |
| Treps 16-Feb-2026 | Cash - Repurchase Agreement | ₹1.93 Cr | 5.15% |
| National Bank For Agriculture And Rural Development | Bond - Corporate Bond | ₹1.01 Cr | 2.70% |
| 12/03/2026 Maturing 182 DTB | Bond - Gov't/Treasury | ₹1 Cr | 2.66% |
| Canara Bank** | Cash - CD/Time Deposit | ₹1 Cr | 2.66% |
| Ntpc Limited | Bond - Corporate Bond | ₹0.5 Cr | 1.34% |
| SBI Funds Management Private Ltd | Bond - Corporate Bond | ₹0.11 Cr | 0.28% |
Allocation By Credit Quality (Debt)
AAA
Other Allocation
Equity Sector
Debt & Others
| Instruments | Amount | Holdings |
|---|---|---|
| Bond - Corporate Bond | ₹23.32 Cr | 62.26% |
| Cash | ₹5.26 Cr | 14.03% |
| Cash - CD/Time Deposit | ₹3.98 Cr | 10.63% |
| Bond - Gov't/Treasury | ₹2.97 Cr | 7.92% |
| Cash - Repurchase Agreement | ₹1.93 Cr | 5.15% |
Risk & Performance Ratios
Standard Deviation
This fund
0.86%
Cat. avg.
1.45%
Lower the better
Sharpe Ratio
This fund
0.15
Cat. avg.
0.38
Higher the better
Sortino Ratio
This fund
--
Cat. avg.
0.71
Higher the better
Fund Managers
Laukik Bagwe
Since February 2025
Additional Scheme Detailsas of 15th February 2026
ISIN INF00XX01838 | Expense Ratio 0.70% | Exit Load No Charges | Fund Size ₹37 Cr | Age 5 years 4 months | Lumpsum Minimum ₹5,000 | Fund Status Open Ended Investment Company | Benchmark CRISIL Banking and PSU Debt A-II TR INR |
Investment Objective
To seek to generate long-term capital growth from an actively managed portfolio primarily of Equity and Equity Related Securities. Scheme shall invest in Indian equities,foreign equities and related instruments and debt securities.
Tax Treatment
Capital Gains Taxation:
Dividend Taxation:
Note: As per the Income Tax Budget 2024, mutual funds are subject to capital gains taxation, which includes surcharge and cess based on prevailing income tax rules and the investor’s income. Taxation applies only to realised gains, not notional gains. Please consult your tax advisors to determine the implications or consequences of your investments in such securities.
Similar Banking & PSU Funds
About the AMC
Other Funds by ITI Mutual Fund
| Fund name | Expense Ratio | Exit Load | Fund size | 1Y  |
|---|---|---|---|---|
| ITI Business Cycle Fund Direct Growth Very High Risk | - | 0.0% | - | - |
| Diviniti Equity Long Short Fund Direct Growth Very High Risk | 0.9% | 0.0% | ₹345.40 Cr | - |
| ITI Bharat Consumption Fund Direct Growth Very High Risk | 0.8% | 0.0% | ₹347.80 Cr | - |
| ITI Large & Mid Cap Fund Direct Growth Very High Risk | 0.4% | 0.0% | ₹753.49 Cr | 12.1% |
| ITI Focused Equity Fund Direct Growth Very High Risk | 0.6% | 0.0% | ₹559.76 Cr | 25.0% |
| ITI Liquid Fund Direct Growth Low to Moderate Risk | 0.1% | 0.0% | ₹56.85 Cr | 6.3% |
| ITI Ultra Short Duration Fund Direct Growth Low to Moderate Risk | 0.1% | 0.0% | ₹213.63 Cr | 6.7% |
| ITI Multi Cap Fund Direct Growth Very High Risk | 0.3% | 0.0% | ₹1296.52 Cr | 21.5% |
| ITI Value Fund Direct Growth Very High Risk | 0.6% | 0.0% | ₹343.04 Cr | 20.0% |
| ITI Conservative Hybrid Fund Direct Growth Moderate Risk | 0.2% | 0.0% | ₹14.80 Cr | 8.9% |
| ITI Dynamic Bond Fund Direct Growth Low to Moderate Risk | 0.1% | 0.0% | ₹31.96 Cr | 4.6% |
| ITI Balanced Advantage Fund Direct Growth Moderately High risk | 0.7% | 0.0% | ₹381.39 Cr | 9.3% |
| ITI Small Cap Fund Direct Growth Very High Risk | 0.4% | 0.0% | ₹2672.67 Cr | 16.0% |
| ITI Large Cap Fund Direct Growth Very High Risk | 0.5% | 0.0% | ₹510.08 Cr | 13.7% |
| ITI Banking & PSU Debt Fund Direct Growth Low to Moderate Risk | 0.1% | 0.0% | ₹37.36 Cr | 7.1% |
| ITI Banking and Financial Services Fund Direct Growth Very High Risk | 0.4% | 0.0% | ₹363.50 Cr | 30.7% |
| ITI Arbitrage Fund Direct Growth Low Risk | 0.2% | 0.0% | ₹53.60 Cr | 7.2% |
| ITI Overnight Fund Direct Growth Low Risk | 0.1% | 0.0% | ₹16.04 Cr | 5.4% |
| ITI Mid Cap Fund Direct Growth Very High Risk | 0.3% | 0.0% | ₹1301.24 Cr | 22.7% |
| ITI Long Term Equity Fund Direct Growth Very High Risk | 0.6% | 0.0% | ₹413.11 Cr | 14.9% |
| ITI Pharma and Healthcare Fund Direct Growth Very High Risk | 0.5% | 0.0% | ₹210.46 Cr | 5.1% |
| ITI Flexi Cap Fund Direct Growth Very High Risk | 0.4% | 0.0% | ₹1247.29 Cr | 20.8% |
Risk Level
Your principal amount will be at Low to Moderate Risk
Take control of your wealth
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- Laukik Bagwe
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