SBI Banking and PSU Fund Regular Growth
DebtBanking & PSUModerate Risk
Regular
NAV (18-Jun-25)
₹3127.490.02%1D
Returns (Since Inception)
7.54%
Rated ★4.5+ on 
Fund Overview
Fund Size
₹4,074 Cr
Expense Ratio
0.79%
ISIN
INF200K01U41
Minimum SIP
₹1,000
Exit Load
No Charges
Inception Date
09 Oct 2009
About this fund
SBI Banking and PSU Fund Regular Growth is a Banking & PSU mutual fund schemes offered by SBI Mutual Fund. This fund has been in existence for 15 years, 8 months and 10 days, having been launched on 09-Oct-09.
As of 18-Jun-25, it has a Net Asset Value (NAV) of ₹3127.49, Assets Under Management (AUM) of 4073.70 Crores, and an expense ratio of 0.79%.
As of 18-Jun-25, it has a Net Asset Value (NAV) of ₹3127.49, Assets Under Management (AUM) of 4073.70 Crores, and an expense ratio of 0.79%.
- SBI Banking and PSU Fund Regular Growth has given a CAGR return of 7.54% since inception.
- The fund's asset allocation comprises around 0.00% in equities, 94.46% in debts, and 5.20% in cash & cash equivalents.
- You can start investing in SBI Banking and PSU 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
+9.25%
+9.07% (Cat Avg.)
3 Years
+7.41%
+7.52% (Cat Avg.)
5 Years
+5.83%
+6.14% (Cat Avg.)
10 Years
+7.13%
+6.53% (Cat Avg.)
Since Inception
+7.54%
— (Cat Avg.)
Portfolio Summaryas of 31st May 2025
| Debt | ₹3,847.85 Cr | 94.46% |
| Others | ₹225.86 Cr | 5.54% |
Top Holdings
All Holdings
Equity
Debt & Others
| Name | Type  | Amount | Holdings |
|---|---|---|---|
| 6.79% Govt Stock 2034 | Bond - Gov't/Treasury | ₹238.26 Cr | 5.85% |
| Power Grid Corporation Of India Limited | Bond - Corporate Bond | ₹213.57 Cr | 5.24% |
| Nuclear Power Corporation Of India Limited | Bond - Corporate Bond | ₹210.41 Cr | 5.16% |
| 7.09% Govt Stock 2054 | Bond - Gov't/Treasury | ₹199.84 Cr | 4.91% |
| Rec Limited | Bond - Corporate Bond | ₹192.16 Cr | 4.72% |
| National Bank For Financing Infrastructure And Development | Bond - Corporate Bond | ₹185.7 Cr | 4.56% |
| Ongc Petro Additions Limited | Bond - Corporate Bond | ₹177.68 Cr | 4.36% |
| GAil (India) Limited | Bond - Corporate Bond | ₹153.34 Cr | 3.76% |
| National Bank For Financing Infrastructure And Development | Bond - Corporate Bond | ₹151.85 Cr | 3.73% |
| National Highways Infra TRust | Bond - Corporate Bond | ₹125.17 Cr | 3.07% |
| Maharashtra (Government of) 7.48% | Bond - Sub-sovereign Government Debt | ₹103.67 Cr | 2.54% |
| Power Finance Corporation Limited | Bond - Corporate Bond | ₹102.95 Cr | 2.53% |
| Ongc Petro Additions Limited | Bond - Corporate Bond | ₹101.09 Cr | 2.48% |
| Rec Limited | Bond - Corporate Bond | ₹101.08 Cr | 2.48% |
| HDFC Bank Limited | Bond - Corporate Bond | ₹99.2 Cr | 2.44% |
| National Bank For Agriculture And Rural Development | Bond - Corporate Bond | ₹97.16 Cr | 2.39% |
| Treps | Cash - Repurchase Agreement | ₹94.74 Cr | 2.33% |
| Small Industries Development Bank Of India | Bond - Corporate Bond | ₹91.95 Cr | 2.26% |
| Tamil Nadu (Government of) 7.72% | Bond - Sub-sovereign Government Debt | ₹80.14 Cr | 1.97% |
| Small Industries Development Bank Of India | Bond - Corporate Bond | ₹76.57 Cr | 1.88% |
| Equitas Small Finance Bank Limited | Cash - CD/Time Deposit | ₹72.11 Cr | 1.77% |
| State Bank Of India | Bond - Corporate Bond | ₹71.55 Cr | 1.76% |
| Export Import Bank Of India | Bond - Corporate Bond | ₹65.86 Cr | 1.62% |
| Gujarat (Government of) 6.69% | Bond - Sub-sovereign Government Debt | ₹65.18 Cr | 1.60% |
| Indian Railway Finance Corporation Limited | Bond - Corporate Bond | ₹63.65 Cr | 1.56% |
| National Bank For Agriculture And Rural Development | Bond - Corporate Bond | ₹51.81 Cr | 1.27% |
| Small Industries Development Bank Of India | Bond - Corporate Bond | ₹51.23 Cr | 1.26% |
| Small Industries Development Bank Of India | Bond - Corporate Bond | ₹51.08 Cr | 1.25% |
| Indian Railway Finance Corporation Limited | Bond - Corporate Bond | ₹50.84 Cr | 1.25% |
| HDFC Bank Limited | Bond - Corporate Bond | ₹50.64 Cr | 1.24% |
| Power Grid Corporation Of India Limited | Bond - Corporate Bond | ₹50.63 Cr | 1.24% |
| Power Finance Corporation Limited | Bond - Corporate Bond | ₹50.07 Cr | 1.23% |
| 07.65 Tn SDL 2033 | Bond - Gov't/Treasury | ₹48.11 Cr | 1.18% |
| Net Receivable / Payable | Cash - Collateral | ₹44.86 Cr | 1.10% |
| 07.81 GJ Sgs 2032 | Bond - Gov't/Treasury | ₹43.05 Cr | 1.06% |
| Punjab National Bank | Bond - Corporate Bond | ₹39.99 Cr | 0.98% |
| Nuclear Power Corporation Of India Limited | Bond - Corporate Bond | ₹36.16 Cr | 0.89% |
| 6.33% Gsec Mat - 05/05/2035 | Bond - Gov't/Treasury | ₹35.29 Cr | 0.87% |
| Nhpc Limited | Bond - Corporate Bond | ₹33.75 Cr | 0.83% |
| Power Grid Corporation Of India Limited | Bond - Corporate Bond | ₹32.46 Cr | 0.80% |
| 7.62% State Government Securities | Bond - Gov't/Treasury | ₹26.56 Cr | 0.65% |
| Nhpc Limited | Bond - Corporate Bond | ₹25.78 Cr | 0.63% |
| Nuclear Power Corporation Of India Limited | Bond - Corporate Bond | ₹25.72 Cr | 0.63% |
| Small Industries Development Bank Of India | Bond - Corporate Bond | ₹25.71 Cr | 0.63% |
| Nhpc Limited | Bond - Corporate Bond | ₹25.59 Cr | 0.63% |
| Small Industries Development Bank Of India | Bond - Corporate Bond | ₹25.55 Cr | 0.63% |
| Bank Of Baroda | Bond - Corporate Bond | ₹25.48 Cr | 0.63% |
| Punjab National Bank | Bond - Corporate Bond | ₹24.99 Cr | 0.61% |
| Rec Limited | Bond - Corporate Bond | ₹24.99 Cr | 0.61% |
| Corporate Debt Market Development Fund-A2 | Mutual Fund - Open End | ₹14.14 Cr | 0.35% |
| Canara Bank | Bond - Corporate Bond | ₹10.2 Cr | 0.25% |
| Mahanagar Telephone Nigam Limited | Bond - Corporate Bond | ₹6.78 Cr | 0.17% |
| Power Grid Corporation Of India Limited | Bond - Corporate Bond | ₹5.27 Cr | 0.13% |
| Nhpc Limited | Bond - Corporate Bond | ₹2.06 Cr | 0.05% |
Allocation By Credit Quality (Debt)
AAA
AA
Other Allocation
Equity Sector
Debt & Others
| Instruments | Amount | Holdings |
|---|---|---|
| Bond - Corporate Bond | ₹3,007.74 Cr | 73.83% |
| Bond - Gov't/Treasury | ₹591.11 Cr | 14.51% |
| Bond - Sub-sovereign Government Debt | ₹248.99 Cr | 6.11% |
| Cash - Repurchase Agreement | ₹94.74 Cr | 2.33% |
| Cash - CD/Time Deposit | ₹72.11 Cr | 1.77% |
| Cash - Collateral | ₹44.86 Cr | 1.10% |
| Mutual Fund - Open End | ₹14.14 Cr | 0.35% |
| Bond - Gov't Agency Debt | ₹0 Cr | - |
Risk & Performance Ratios
Standard Deviation
This fund
1.09%
Cat. avg.
1.35%
Lower the better
Sharpe Ratio
This fund
0.64
Cat. avg.
0.65
Higher the better
Sortino Ratio
This fund
--
Cat. avg.
1.44
Higher the better
Fund Managers
Ardhendu Bhattacharya
Since December 2023
PK
Pradeep Kesavan
Since December 2023
Additional Scheme Detailsas of 31st May 2025
ISIN | INF200K01U41 | Expense Ratio | 0.79% | Exit Load | No Charges | Fund Size | ₹4,074 Cr | Age | 15 years 8 months | Lumpsum Minimum | ₹5,000 | Fund Status | Open Ended Investment Company | Benchmark | NIFTY Banking & PSU Debt 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:
- For investments made on or after 1 April 2023: The entire capital gain is added to the investor's income and is taxed based on the applicable income tax slab.
- For investments made before 1 April 2023:
- If sold within 2 years of investment: The capital gains are added to the investor's income and taxed according to the applicable tax slab.
- If sold after 2 years of investment: The capital gains are taxed at a flat rate of 12.5%.
- Holding the units: No tax is applicable as long as you hold the units.
Dividend Taxation:
Dividends are considered part of the investor’s income and are taxed according to their applicable tax slab. Additionally, if an investor’s dividend income exceeds INR 5,000 in a financial year, a 10% Tax Deducted at Source (TDS) is withheld by the fund house before distributing the dividend.
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
| Fund name | Expense Ratio | Exit Load | Fund size | 1Y  |
|---|---|---|---|---|
| Bajaj Finserv Banking and PSU Fund Regular Growth Moderate Risk | 0.9% | 0.0% | ₹142.07 Cr | 9.6% |
| Bajaj Finserv Banking and PSU Fund Direct Growth Moderate Risk | 0.3% | 0.0% | ₹142.07 Cr | 10.2% |
| HSBC Banking & PSU Debt Direct Growth Moderate Risk | 0.2% | 0.0% | ₹4294.57 Cr | 9.3% |
| LIC MF Banking & PSU Debt Fund Direct Growth Moderate Risk | 0.3% | 0.0% | ₹1931.59 Cr | 10.1% |
| Axis Banking & PSU Debt Fund Direct Growth Moderate Risk | 0.3% | 0.0% | ₹13470.40 Cr | 9.5% |
| Invesco India Banking & PSU Debt Fund Regular Growth Moderate Risk | 0.6% | 0.0% | ₹104.86 Cr | 9.4% |
| DSP Banking & PSU Debt Fund Regular Growth Low to Moderate Risk | 0.6% | 0.0% | ₹4104.46 Cr | 9.2% |
| DSP Banking & PSU Debt Fund Direct Growth Low to Moderate Risk | 0.3% | 0.0% | ₹4104.46 Cr | 9.6% |
| Edelweiss Banking and PSU Debt Fund Direct Growth Low to Moderate Risk | 0.4% | 0.0% | ₹270.43 Cr | 10.1% |
| Edelweiss Banking and PSU Debt Fund Regular Growth Low to Moderate Risk | 0.7% | 0.0% | ₹270.43 Cr | 9.8% |
About the AMC
Total AUM
₹11,01,967 Cr
Address
C-38 & 39, G Block, Bandra Kurla Complex, Mumbai, 400 051
Other Funds by SBI Mutual Fund
Risk Level
Your principal amount will be at Moderate Risk
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We're here to help.
What is the current NAV of SBI Banking and PSU Fund Regular Growth?
The NAV of SBI Banking and PSU Fund Regular Growth, as of 18-Jun-2025, is ₹3127.49.
What are the returns of SBI Banking and PSU Fund Regular Growth?
The fund has generated 9.25% over the last 1 year and 7.41% over the last 3 years. However, this does not guarantee that the fund will perform similarly in the future.
What is the portfolio composition of SBI Banking and PSU Fund Regular Growth?
The fund's allocation of assets is distributed as 0.00% in equities, 94.46% in bonds, and 5.20% in cash and cash equivalents.
Who manages the SBI Banking and PSU Fund Regular Growth?
The fund managers responsible for SBI Banking and PSU Fund Regular Growth are:-
- Ardhendu Bhattacharya
- Pradeep Kesavan
Disclaimer: Mutual Fund investments are subject to market risks, read all scheme-related documents carefully. The NAVs of the schemes may go up or down depending upon the factors and forces affecting the securities market including the fluctuations in the interest rates. The past performance of the mutual funds is not necessarily indicative of the future performance of the schemes. Investors are requested to review the prospectus carefully and obtain expert professional advice with regard to specific legal, tax and financial implications of the investment/participation in the scheme.
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Mutual Fund distribution services are offered through Dezerv Distribution Services Pvt Limited, a wholly owned subsidiary with AMFI Registration No.: ARN -248439. **Mutual fund investments are subject to market risks, read all scheme related documents carefully.** Terms and conditions of the website are applicable. Privacy policy of the website is applicable.
Dezerv Investments Private Limited is a Portfolio Manager with SEBI Registration no. INP000007377 and an Investment Manager to Category - I AIF-VCF-Angel Fund with SEBI Registration no. IN/AIF1/22-23/1066.
Mutual Fund distribution services are offered through Dezerv Distribution Services Pvt Limited, a wholly owned subsidiary with AMFI Registration No.: ARN -248439. **Mutual fund investments are subject to market risks, read all scheme related documents carefully.** Terms and conditions of the website are applicable. Privacy policy of the website is applicable.