Should I invest in Invesco India Banking and PSU Fund - Monthly IDCW (Payout / Reinvestment)?

We don't give personal investment advice. Invesco India Banking and PSU Fund - Direct Plan - Monthly IDCW (Payout / Reinvestment) 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: 3.9%. 5-year CAGR: -0.01%.

Invesco

Invesco India Banking and PSU Fund - Direct Plan - Monthly IDCW (Payout / Reinvestment)

Latest NAV

₹1,011.7664

As of

17 Jul 2026

3,267 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	+0.01%	+0.01%	-0.01	47 / 60	Q4
1W	-0.06%	-0.06%	0.00	36 / 60	Q3
2W	-0.08%	-0.13%	+0.06	22 / 60	Q2
1M	-1.14%	+0.04%	-1.17	56 / 60	Q4
3M	-0.02%	+0.62%	-0.64	39 / 60	Q3
6M	+0.24%	+1.01%	-0.77	34 / 60	Q3
YTD	+0.11%	+0.57%	-0.47	30 / 60	Q2
1Y	-0.05%	+1.29%	-1.34	32 / 60	Q3
2Y	-0.18%	+2.22%	-2.40	52 / 60	Q4
3Y	-0.08%	+1.98%	-2.07	45 / 57	Q4
4Y	+0.43%	+1.93%	-1.50	29 / 52	Q3
5Y	-0.01%	+1.64%	-1.65	33 / 50	Q3
7Y	-0.14%	+1.46%	-1.60	40 / 47	Q4
10Y	-0.05%	+1.38%	-1.43	31 / 37	Q4
Inception	+0.06%	+2.02%	-1.96	49 / 57	Q4

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	+0.11%	+0.54%	-0.44	26 / 51
2025	-0.04%	+2.37%	-2.41	47 / 52
2024	-0.08%	+2.35%	-2.42	47 / 53
2023	+0.08%	+2.08%	-2.00	32 / 51
2022	+0.02%	+1.10%	-1.08	29 / 50
2021	0.00%	-0.84%	+0.84	15 / 50
2020	-0.12%	+2.60%	-2.72	37 / 47
2019	-0.05%	+1.86%	-1.91	37 / 45
2018	-0.04%	+1.66%	-1.70	41 / 46
2017	+0.02%	+0.89%	-0.86	22 / 46
2016	-0.13%	+2.60%	-2.73	38 / 43

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

+0.01%

153 windows

min -4.0% · max 2.9%

55% positive

3-Year rolling

0.00%

129 windows

min -1.1% · max 1.1%

47% positive

5-Year rolling

-0.02%

105 windows

min -0.6% · max 0.9%

44% positive

7-Year rolling

-0.04%

80 windows

min -0.5% · max 0.3%

40% 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

1.81%

3-year · annualised

Sharpe ratio

-3.61

vs risk-free 6.5%

Sortino ratio

-5.58

Downside-only deviation

Max drawdown

-2.56%

Apr 2025 → Apr 2026

% positive months

44.4%

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 - IDCW Option - Direct Plan	HDFC	₹10.0100	17 Jul 2026
NIPPON INDIA BANKING and PSU FUND - Direct Plan - IDCW Option	Nippon India	₹22.8275	17 Jul 2026
SBI Banking & PSU Fund - Direct Plan - Daily Income Distribution cum Capital Withdrawal Option (IDCW)	SBI	₹1,547.1581	17 Jul 2026
ICICI Prudential Banking and PSU Debt Fund - Direct Plan - Quarterly IDCW	ICICI Prudential	₹13.1750	17 Jul 2026
Invesco India Banking and PSU Fund - Direct Plan - Daily IDCW (Reinvestment)	Invesco	₹1,063.0787	17 Jul 2026
Bandhan Banking and PSU Fund - Direct Annual IDCW	Bandhan	₹12.3368	17 Jul 2026
Aditya Birla Sun Life Banking & PSU Debt Fund - DIRECT - IDCW	Aditya Birla Sun Life	₹106.6001	17 Jul 2026
Franklin India Banking and PSU Debt Fund - Direct - IDCW	Franklin India	₹11.5230	17 Jul 2026
Mirae Asset Banking and PSU Fund - Direct Plan - IDCW	Mirae Asset	₹13.9587	17 Jul 2026
Kotak Banking and PSU Debt Direct - Monthly Payout of Income Distribution cum capital withdrawal option	Kotak	₹10.2435	17 Jul 2026

Recent NAVs

Date	NAV
17 Jul 2026	₹1,011.7664
16 Jul 2026	₹1,011.6962
15 Jul 2026	₹1,011.3948
14 Jul 2026	₹1,010.7677
13 Jul 2026	₹1,012.5654
10 Jul 2026	₹1,012.3520
9 Jul 2026	₹1,011.3073
8 Jul 2026	₹1,011.2355
7 Jul 2026	₹1,012.8409
6 Jul 2026	₹1,013.1137

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 17 Jul 2026, the NAV of Invesco India Banking and PSU Fund - Direct Plan - Monthly IDCW (Payout / Reinvestment) is ₹1,011.7664. It's a Banking & PSU Fund from Invesco, run as a Direct plan IDCW (dividend) option. NAVs update once per business day from the AMFI feed.

Invesco India Banking and PSU Fund - Direct Plan - Monthly IDCW (Payout / Reinvestment) has NAV history starting from 02 Jan 2013, a track record of about 13 years 6 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.

Invesco India Banking and PSU Fund - Direct Plan - Monthly IDCW (Payout / Reinvestment) is managed by Invesco. 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, Invesco India Banking and PSU Fund - Direct Plan - Monthly IDCW (Payout / Reinvestment) has delivered a absolute return of -0.05% — -1.34 pp behind the Banking & PSU Fund category average of 1.29%. The fund ranks #32 of 60 in its category — the third (Q3) quartile.

Over the trailing 3-year window, Invesco India Banking and PSU Fund - Direct Plan - Monthly IDCW (Payout / Reinvestment) has delivered a CAGR of -0.08% — -2.07 pp behind the Banking & PSU Fund category average of 1.98%. The fund ranks #45 of 57 in its category — the bottom (Q4) quartile.

Over the trailing 5-year window, Invesco India Banking and PSU Fund - Direct Plan - Monthly IDCW (Payout / Reinvestment) has delivered a CAGR of -0.01% — -1.65 pp behind the Banking & PSU Fund category average of 1.64%. The fund ranks #33 of 50 in its category — the third (Q3) quartile.

₹1 lakh invested in Invesco India Banking and PSU Fund - Direct Plan - Monthly IDCW (Payout / Reinvestment) exactly 10 years ago would be worth approximately ₹99,546 today — a multiplier of 1.00×, based on the 10-year CAGR of -0.05%. The category average over the same window would have grown ₹1 lakh to ₹114,739.

A ₹10,000 monthly SIP in Invesco India Banking and PSU Fund - Direct Plan - Monthly IDCW (Payout / Reinvestment) over the last 5 years — total invested ₹600,000 — would be worth ₹600,315 today. That's an XIRR (money-weighted annualised return) of 0.02%.

A ₹10,000 monthly SIP for 10 years in Invesco India Banking and PSU Fund - Direct Plan - Monthly IDCW (Payout / Reinvestment) = ₹1,200,000 invested. It would currently be worth ₹1,199,758 (multiplier 1.00×). XIRR: -0.00%. Long-horizon SIP results matter more than point-to-point returns because they smooth out entry timing.

On a 5-year basis, Invesco India Banking and PSU Fund - Direct Plan - Monthly IDCW (Payout / Reinvestment) ranks #33 out of 50 funds in the Banking & PSU Fund category — that places it in the third quartile (Q3) — below the median. The category average return over the same window is 1.64%; this fund delivered -0.01%.

The worst peak-to-trough decline Invesco India Banking and PSU Fund - Direct Plan - Monthly IDCW (Payout / Reinvestment) has experienced over the last 5-year window is 3.89% — its NAV fell from a high on 23 Sep 2021 to a low on 06 May 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, Invesco India Banking and PSU Fund - Direct Plan - Monthly IDCW (Payout / Reinvestment) averaged -0.02% (best 0.89%, worst -0.63%). 44% of rolling windows ended positive. The 5-year Sharpe ratio is -3.32 — negative risk-adjusted performance.

In calendar year 2025, Invesco India Banking and PSU Fund - Direct Plan - Monthly IDCW (Payout / Reinvestment) returned -0.04% — lagging the Banking & PSU Fund category average of 2.37% by 2.41 pp. It ranked #47 of 52 in its category that year.

Invesco India Banking and PSU Fund - Direct Plan - Monthly IDCW (Payout / Reinvestment) 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. Invesco India Banking and PSU Fund - Direct Plan - Monthly IDCW (Payout / Reinvestment) 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: 3.9%. 5-year CAGR: -0.01%.

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