Should I invest in ICICI Prudential Banking and PSU Debt Fund?

We don't give personal investment advice. ICICI Prudential Banking and PSU Debt Fund - Direct Plan - Growth is suitable for an investor whose:understands what asset class this scheme actually invests in (check the factsheet)matches that asset class's volatility profile to their goal horizonCross-check the numbers above against alternatives before deciding. Worst 5-year drawdown: 0.7%. 5-year CAGR: 6.57%.

ICICI Prudential

ICICI Prudential Banking and PSU Debt Fund - Direct Plan - Growth

Latest NAV

₹35.6482

As of

3 Jun 2026

3,188 NAV records on file

NAV history & peer comparison

All NAVs split-adjusted and normalised to 100 at the start of the selected period, so funds with very different absolute NAV scales can be compared on one axis.

Period

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Returns matrix

Fund return alongside the category average and peer rank for every standard window. Returns under one year are absolute; one year and longer are compound annualised (CAGR).

Window	Fund	Category avg	+/− vs avg	Rank	Quartile
1D	+0.06%	+0.05%	+0.00	12 / 22	Q3
1W	+0.24%	+0.24%	+0.00	12 / 22	Q3
2W	+0.42%	+0.34%	+0.09	6 / 22	Q2
1M	+0.17%	+0.18%	-0.01	12 / 22	Q3
3M	+0.40%	+0.45%	-0.05	10 / 22	Q2
6M	+1.52%	+1.44%	+0.08	6 / 22	Q2
YTD	+1.17%	+1.13%	+0.04	8 / 22	Q2
1Y	+4.36%	+4.05%	+0.31	5 / 22	Q1
2Y	+6.92%	+6.86%	+0.06	7 / 22	Q2
3Y	+7.18%	+6.85%	+0.33	2 / 20	Q1
4Y	+7.28%	+6.95%	+0.33	1 / 18	Q1
5Y	+6.57%	+6.12%	+0.44	2 / 18	Q1
7Y	+7.16%	+6.90%	+0.26	3 / 16	Q1
10Y	+7.49%	+7.17%	+0.32	2 / 15	Q1
Inception	+8.00%	+7.37%	+0.63	4 / 21	Q1

Quartile legend: Q1 top 25% Q2 25-50% Q3 50-75% Q4 bottom 25%

Calendar-year returns

Full-year performance vs category average. Current year is partial (year-to-date).

Year	Fund	Category avg	+/− vs avg	Rank
2026 YTD	+1.17%	+1.15%	+0.02	8 / 21
2025	+7.99%	+7.73%	+0.26	5 / 21
2024	+8.18%	+8.19%	-0.01	13 / 21
2023	+7.71%	+7.05%	+0.66	1 / 20
2022	+4.73%	+3.98%	+0.76	3 / 18
2021	+4.64%	+3.82%	+0.82	2 / 18
2020	+9.69%	+10.42%	-0.73	12 / 16
2019	+10.63%	+10.17%	+0.46	9 / 16
2018	+6.05%	+6.92%	-0.87	15 / 16
2017	+5.44%	+5.82%	-0.38	14 / 17
2016	+12.80%	+10.00%	+2.80	1 / 16

Rolling returns

Removes start-date bias by averaging CAGR over every overlapping N-year window in the fund's history. Higher average plus tight min/max plus high "% positive" = consistent.

1-Year rolling

+8.14%

149 windows

min 3.5% · max 14.0%

100% positive

3-Year rolling

+8.02%

125 windows

min 5.7% · max 11.4%

100% positive

5-Year rolling

+7.84%

101 windows

min 6.6% · max 9.3%

100% positive

7-Year rolling

+7.93%

76 windows

min 7.0% · max 9.4%

100% positive

SIP returns — historical "what if"

If you had invested every month in this fund over the chosen period, this is what your investment would be worth today.

Period

Total invested

₹ —

Today's value

₹ —

XIRR

Annualised

Wealth multiplier

Period	Total invested	Today's value	XIRR	Wealth multiplier

XIRR is the annualised internal rate of return on the SIP cash flow — invariant to the monthly amount. "Today's value" and "Total invested" scale linearly with the slider. Past performance does not guarantee future returns. Excludes exit load and taxes.

Risk profile

Risk-adjusted return and volatility, computed from monthly NAV returns over the trailing 3-year and 5-year windows.

Std deviation

1.21%

3-year · annualised

Sharpe ratio

0.38

vs risk-free 6.5%

Sortino ratio

—

Downside-only deviation

Max drawdown

-0.66%

May 2026 → May 2026

% positive months

91.7%

Share of monthly returns > 0 over the 3-year window

Sharpe / Sortino use a risk-free rate of 6.5% (1-year T-bill proxy). Higher Sharpe = more return per unit of total risk; higher Sortino = more return per unit of downside risk.

Peers in Banking & PSU Fund

Scheme	Fund house	NAV	As of
HDFC Banking and PSU Debt Fund - Growth Option - Direct Plan	HDFC	₹24.9106	3 Jun 2026
Nippon India Banking and PSU Fund- Direct Plan-Growth Plan- Growth Option	Nippon India	₹22.3658	3 Jun 2026
SBI BANKING & PSU FUND - Direct Plan - Growth	SBI	₹3,450.9960	3 Jun 2026
Invesco India Banking and PSU Fund - Direct Plan - Growth Option	Invesco	₹2,518.9537	3 Jun 2026
Bandhan Banking and PSU Fund - Direct Growth	Bandhan	₹26.4454	3 Jun 2026
Aditya Birla Sun Life Banking & PSU Debt Fund- Direct Plan-Growth	Aditya Birla Sun Life	₹395.5958	3 Jun 2026
Franklin India Banking & PSU Debt Fund - Direct - Growth	Franklin India	₹24.7373	3 Jun 2026
Mirae Asset Banking and PSU Fund - Direct Plan - Growth	Mirae Asset	₹13.7330	3 Jun 2026
Kotak Banking and PSU Debt Direct - Growth	Kotak	₹71.1226	3 Jun 2026
Edelweiss Banking and PSU Debt Fund - Direct Plan - Growth Option	Edelweiss	₹26.5023	3 Jun 2026

Recent NAVs

Date	NAV
3 Jun 2026	₹35.6482
2 Jun 2026	₹35.6627
1 Jun 2026	₹35.6417
29 May 2026	₹35.6333
27 May 2026	₹35.6037
26 May 2026	₹35.5781
25 May 2026	₹35.5697
22 May 2026	₹35.4973
21 May 2026	₹35.4628
20 May 2026	₹35.5060

Frequently asked questions

These answers are generated from this fund's live metrics — NAV, returns, peer rank, drawdown, SIP backtest. Numbers refresh nightly after AMFI's NAV feed lands.

As of 03 Jun 2026, the NAV of ICICI Prudential Banking and PSU Debt Fund - Direct Plan - Growth is ₹35.6482. It's a Banking & PSU Fund from ICICI Prudential, run as a Direct plan Growth option. NAVs update once per business day from the AMFI feed.

ICICI Prudential Banking and PSU Debt Fund - Direct Plan - Growth has NAV history starting from 14 Mar 2013, a track record of about 13 years 2 months. That's enough history to evaluate the fund across one or two market cycles. Look at rolling returns rather than point-to-point to judge consistency.

ICICI Prudential Banking and PSU Debt Fund - Direct Plan - Growth is managed by ICICI Prudential. It's classified by AMFI under the 'Banking & PSU Fund' SEBI category, which determines its peer set and tax treatment.

Over the trailing 1-year window, ICICI Prudential Banking and PSU Debt Fund - Direct Plan - Growth has delivered a absolute return of 4.36% — +0.31 pp ahead of the Banking & PSU Fund category average of 4.05%. The fund ranks #5 of 22 in its category — the top (Q1) quartile.

Over the trailing 3-year window, ICICI Prudential Banking and PSU Debt Fund - Direct Plan - Growth has delivered a CAGR of 7.18% — +0.33 pp ahead of the Banking & PSU Fund category average of 6.85%. The fund ranks #2 of 20 in its category — the top (Q1) quartile.

Over the trailing 5-year window, ICICI Prudential Banking and PSU Debt Fund - Direct Plan - Growth has delivered a CAGR of 6.57% — +0.44 pp ahead of the Banking & PSU Fund category average of 6.12%. The fund ranks #2 of 18 in its category — the top (Q1) quartile.

₹1 lakh invested in ICICI Prudential Banking and PSU Debt Fund - Direct Plan - Growth exactly 10 years ago would be worth approximately ₹205,982 today — a multiplier of 2.06×, based on the 10-year CAGR of 7.49%. The category average over the same window would have grown ₹1 lakh to ₹199,874.

A ₹10,000 monthly SIP in ICICI Prudential Banking and PSU Debt Fund - Direct Plan - Growth over the last 5 years — total invested ₹600,000 — would be worth ₹713,424 today. That's an XIRR (money-weighted annualised return) of 6.86%.

A ₹10,000 monthly SIP for 10 years in ICICI Prudential Banking and PSU Debt Fund - Direct Plan - Growth = ₹1,200,000 invested. It would currently be worth ₹1,724,780 (multiplier 1.44×). XIRR: 7.05%. Long-horizon SIP results matter more than point-to-point returns because they smooth out entry timing.

On a 5-year basis, ICICI Prudential Banking and PSU Debt Fund - Direct Plan - Growth ranks #2 out of 18 funds in the Banking & PSU Fund category — that places it in the top quartile (Q1) — strong outperformance. The category average return over the same window is 6.12%; this fund delivered 6.57%.

The worst peak-to-trough decline ICICI Prudential Banking and PSU Debt Fund - Direct Plan - Growth has experienced over the last 5-year window is 0.73% — its NAV fell from a high on 16 Dec 2021 to a low on 04 Feb 2022. Drawdown is a useful gauge of how much short-term pain you'd have endured to capture the long-term return.

Across all 5-year rolling windows, ICICI Prudential Banking and PSU Debt Fund - Direct Plan - Growth averaged 7.84% (best 9.25%, worst 6.57%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is -0.09 — negative risk-adjusted performance.

In calendar year 2025, ICICI Prudential Banking and PSU Debt Fund - Direct Plan - Growth returned 7.99% — beating the Banking & PSU Fund category average of 7.73% by 0.26 pp. It ranked #5 of 21 in its category that year.

ICICI Prudential Banking and PSU Debt Fund - Direct Plan - Growth doesn't fit cleanly into the standard Equity/Debt buckets in our taxonomy. Tax treatment depends on actual asset allocation as disclosed by the AMC — check the factsheet or AMFI's classification table.

We don't give personal investment advice. ICICI Prudential Banking and PSU Debt Fund - Direct Plan - Growth is suitable for an investor whose:

understands what asset class this scheme actually invests in (check the factsheet)
matches that asset class's volatility profile to their goal horizon

Cross-check the numbers above against alternatives before deciding. Worst 5-year drawdown: 0.7%. 5-year CAGR: 6.57%.

Educational content only — not investment advice. Tax rules summarised above reflect Budget 2024; consult a qualified adviser before transacting.

ICICI Prudential Banking and PSU Debt Fund - Direct Plan - Growth

NAV history & peer comparison

Returns matrix

Calendar-year returns

Rolling returns

SIP returns — historical "what if"

Risk profile

Peers in Banking & PSU Fund

Recent NAVs

Frequently asked questions

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