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 - Regular 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: 0.83%.

Invesco

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

Latest NAV

₹1,062.1031

As of

3 Jun 2026

3,238 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	+0.10%	+0.04%	+0.06	2 / 46	Q1
1W	+0.26%	+0.20%	+0.06	11 / 46	Q1
2W	+0.44%	+0.19%	+0.26	7 / 46	Q1
1M	+0.23%	+0.10%	+0.14	7 / 46	Q1
3M	+0.08%	-0.11%	+0.18	17 / 45	Q2
6M	+0.18%	+0.36%	-0.19	17 / 45	Q2
YTD	+0.11%	+0.24%	-0.13	20 / 45	Q2
1Y	+0.18%	+1.36%	-1.18	18 / 45	Q2
2Y	+1.48%	+2.42%	-0.94	19 / 43	Q2
3Y	+1.01%	+1.94%	-0.93	15 / 37	Q2
4Y	+1.68%	+2.39%	-0.71	15 / 33	Q2
5Y	+0.83%	+2.05%	-1.22	16 / 33	Q2
7Y	+0.69%	+1.88%	-1.18	16 / 31	Q3
10Y	+0.50%	+1.70%	-1.19	14 / 25	Q3
Inception	+0.44%	+2.36%	-1.92	32 / 46	Q3

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%	-0.15%	+0.25	13 / 36
2025	+2.27%	+2.43%	-0.16	15 / 37
2024	+0.56%	+2.68%	-2.12	24 / 39
2023	+0.55%	+2.17%	-1.62	17 / 37
2022	+0.63%	+1.72%	-1.09	14 / 33
2021	-0.39%	-0.47%	+0.08	20 / 33
2020	+1.20%	+2.88%	-1.68	18 / 31
2019	-0.05%	+2.39%	-2.44	22 / 30
2018	-0.04%	+1.46%	-1.50	27 / 29
2017	+0.06%	+0.94%	-0.88	20 / 34
2016	-0.16%	+2.13%	-2.29	25 / 30

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

+0.42%

152 windows

min -3.1% · max 4.0%

66% positive

3-Year rolling

+0.31%

128 windows

min -0.8% · max 2.2%

72% positive

5-Year rolling

+0.25%

103 windows

min -0.4% · max 1.3%

80% positive

7-Year rolling

+0.26%

79 windows

min -0.2% · max 0.7%

85% 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

-4.53

vs risk-free 6.5%

Sortino ratio

-8.35

Downside-only deviation

Max drawdown

-1.55%

Feb 2026 → Apr 2026

% positive months

55.6%

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
SBI Banking & PSU Fund - Regular Plan - Daily Income Distribution cum Capital Withdrawal Option (IDCW)	SBI	₹1,476.2350	3 Jun 2026
Invesco India Banking and PSU Fund - Regular Plan - Daily IDCW (Reinvestment)	Invesco	₹1,049.2553	3 Jun 2026
Bandhan Banking and PSU Fund - Regular Annual IDCW	Bandhan	₹11.1380	3 Jun 2026
Mirae Asset Banking and PSU Fund - Regular plan - IDCW	Mirae Asset	₹13.3774	3 Jun 2026
Edelweiss Banking and PSU Debt Fund - Regular Plan - IDCW Option	Edelweiss	₹17.4365	3 Jun 2026
DSP Banking & PSU Debt Fund - Regular Plan - IDCW	DSP	₹10.3693	3 Jun 2026
HSBC Banking and PSU Debt Fund - Regular Daily IDCW	HSBC	₹11.0969	3 Jun 2026
Canara Robeco Banking and PSU Debt Fund- Regular Plan- IDCW (Payout/ Reinvestment)	Canara Robeco	₹10.7432	3 Jun 2026
UTI Banking & PSU Fund - Regular Plan - Annual IDCW	UTI	₹13.1500	3 Jun 2026
Axis Banking & PSU Debt Fund - Regular Plan - Daily IDCW	Axis	₹1,037.7295	3 Jun 2026

Recent NAVs

Date	NAV
3 Jun 2026	₹1,062.1031
2 Jun 2026	₹1,062.8209
1 Jun 2026	₹1,061.7467
29 May 2026	₹1,061.3200
27 May 2026	₹1,060.8690
26 May 2026	₹1,060.1138
25 May 2026	₹1,059.9804
22 May 2026	₹1,057.6665
21 May 2026	₹1,056.2071
20 May 2026	₹1,057.0800

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 Invesco India Banking and PSU Fund - Regular Plan - Monthly IDCW (Payout / Reinvestment) is ₹1,062.1031. It's a Banking & PSU Fund from Invesco, run as a Regular plan IDCW (dividend) option. NAVs update once per business day from the AMFI feed.

Invesco India Banking and PSU Fund - Regular Plan - Monthly IDCW (Payout / Reinvestment) has NAV history starting from 31 Dec 2012, a track record of about 13 years 5 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 - Regular 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 - Regular Plan - Monthly IDCW (Payout / Reinvestment) has delivered a absolute return of 0.18% — -1.18 pp behind the Banking & PSU Fund category average of 1.36%. The fund ranks #18 of 45 in its category — the second (Q2) quartile.

Over the trailing 3-year window, Invesco India Banking and PSU Fund - Regular Plan - Monthly IDCW (Payout / Reinvestment) has delivered a CAGR of 1.01% — -0.93 pp behind the Banking & PSU Fund category average of 1.94%. The fund ranks #15 of 37 in its category — the second (Q2) quartile.

Over the trailing 5-year window, Invesco India Banking and PSU Fund - Regular Plan - Monthly IDCW (Payout / Reinvestment) has delivered a CAGR of 0.83% — -1.22 pp behind the Banking & PSU Fund category average of 2.05%. The fund ranks #16 of 33 in its category — the second (Q2) quartile.

₹1 lakh invested in Invesco India Banking and PSU Fund - Regular Plan - Monthly IDCW (Payout / Reinvestment) exactly 10 years ago would be worth approximately ₹105,153 today — a multiplier of 1.05×, based on the 10-year CAGR of 0.50%. The category average over the same window would have grown ₹1 lakh to ₹118,304.

A ₹10,000 monthly SIP in Invesco India Banking and PSU Fund - Regular Plan - Monthly IDCW (Payout / Reinvestment) over the last 5 years — total invested ₹600,000 — would be worth ₹617,498 today. That's an XIRR (money-weighted annualised return) of 1.13%.

A ₹10,000 monthly SIP for 10 years in Invesco India Banking and PSU Fund - Regular Plan - Monthly IDCW (Payout / Reinvestment) = ₹1,200,000 invested. It would currently be worth ₹1,247,134 (multiplier 1.04×). XIRR: 0.76%. 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 - Regular Plan - Monthly IDCW (Payout / Reinvestment) ranks #16 out of 33 funds in the Banking & PSU Fund category — that places it in the second quartile (Q2) — above the median. The category average return over the same window is 2.05%; this fund delivered 0.83%.

The worst peak-to-trough decline Invesco India Banking and PSU Fund - Regular 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 - Regular Plan - Monthly IDCW (Payout / Reinvestment) averaged 0.25% (best 1.31%, worst -0.39%). 80% of rolling windows ended positive. The 5-year Sharpe ratio is -3.36 — negative risk-adjusted performance.

In calendar year 2025, Invesco India Banking and PSU Fund - Regular Plan - Monthly IDCW (Payout / Reinvestment) returned 2.27% — lagging the Banking & PSU Fund category average of 2.43% by 0.16 pp. It ranked #15 of 37 in its category that year.

Invesco India Banking and PSU Fund - Regular 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 - Regular 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: 0.83%.

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