Should I invest in ITI Banking & PSU Debt Fund?

We don't give personal investment advice. ITI Banking & PSU Debt Fund - Direct Plan - Growth Option 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: 0.4%. 5-year CAGR: 6.40%.

ITI

ITI Banking & PSU Debt Fund - Direct Plan - Growth Option

Latest NAV

₹14.1342

As of

17 Jul 2026

1,384 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%	+0.02%	-0.02	20 / 22	Q4
1W	-0.03%	-0.03%	-0.01	9 / 22	Q2
2W	-0.05%	-0.11%	+0.07	6 / 22	Q2
1M	+0.67%	+0.69%	-0.03	16 / 22	Q3
3M	+1.38%	+1.77%	-0.39	21 / 22	Q4
6M	+2.85%	+3.20%	-0.35	20 / 22	Q4
YTD	+2.79%	+2.82%	-0.03	14 / 22	Q3
1Y	+5.08%	+5.37%	-0.29	15 / 22	Q3
2Y	+6.93%	+7.27%	-0.33	20 / 22	Q4
3Y	+7.15%	+7.24%	-0.09	15 / 20	Q3
4Y	+7.03%	+7.15%	-0.13	15 / 19	Q4
5Y	+6.40%	+6.38%	+0.01	8 / 18	Q2
7Y	—	—	—	—	—
10Y	—	—	—	—	—
Inception	+6.21%	+7.48%	-1.27	20 / 21	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	+2.79%	+2.92%	-0.13	14 / 21
2025	+7.42%	+7.73%	-0.31	18 / 21
2024	+8.23%	+8.19%	+0.03	11 / 21
2023	+6.82%	+7.05%	-0.23	17 / 20
2022	+4.82%	+3.98%	+0.84	2 / 18
2021	+4.15%	+3.82%	+0.33	6 / 18
2020	—	—	—	—

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

+6.46%

58 windows

min 3.9% · max 9.2%

100% positive

Limited basis — fund is young, so this average may be skewed by which 1Y windows happen to be available.

3-Year rolling

+6.74%

34 windows

min 5.1% · max 7.7%

100% positive

Limited basis — fund is young, so this average may be skewed by which 3Y windows happen to be available.

5-Year rolling

+6.40%

10 windows

min 6.3% · max 6.5%

100% positive

Limited basis — fund is young, so this average may be skewed by which 5Y windows happen to be available.

7-Year rolling

—

Insufficient history

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

1.01%

3-year · annualised

Sharpe ratio

0.44

vs risk-free 6.5%

Sortino ratio

—

Downside-only deviation

Max drawdown

-0.35%

May 2026 → May 2026

% positive months

97.2%

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	₹25.4126	17 Jul 2026
Nippon India Banking and PSU Fund- Direct Plan-Growth Plan- Growth Option	Nippon India	₹22.8275	17 Jul 2026
SBI BANKING & PSU FUND - Direct Plan - Growth	SBI	₹3,512.4985	17 Jul 2026
ICICI Prudential Banking and PSU Debt Fund - Direct Plan - Growth	ICICI Prudential	₹36.3286	17 Jul 2026
Invesco India Banking and PSU Fund - Direct Plan - Growth Option	Invesco	₹2,569.5096	17 Jul 2026
Bandhan Banking and PSU Fund - Direct Growth	Bandhan	₹26.9584	17 Jul 2026
Aditya Birla Sun Life Banking & PSU Debt Fund- Direct Plan-Growth	Aditya Birla Sun Life	₹402.5843	17 Jul 2026
Franklin India Banking & PSU Debt Fund - Direct - Growth	Franklin India	₹25.0706	17 Jul 2026
Mirae Asset Banking and PSU Fund - Direct Plan - Growth	Mirae Asset	₹13.9659	17 Jul 2026
Kotak Banking and PSU Debt Direct - Growth	Kotak	₹72.5392	17 Jul 2026

Recent NAVs

Date	NAV
17 Jul 2026	₹14.1342
16 Jul 2026	₹14.1351
15 Jul 2026	₹14.1257
14 Jul 2026	₹14.1198
13 Jul 2026	₹14.1401
10 Jul 2026	₹14.1390
9 Jul 2026	₹14.1267
8 Jul 2026	₹14.1190
7 Jul 2026	₹14.1433
6 Jul 2026	₹14.1472

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 ITI Banking & PSU Debt Fund - Direct Plan - Growth Option is ₹14.1342. It's a Banking & PSU Fund from ITI, run as a Direct plan Growth option. NAVs update once per business day from the AMFI feed.

ITI Banking & PSU Debt Fund - Direct Plan - Growth Option has NAV history starting from 23 Oct 2020, a track record of about 5 years 8 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.

ITI Banking & PSU Debt Fund - Direct Plan - Growth Option is managed by ITI. 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, ITI Banking & PSU Debt Fund - Direct Plan - Growth Option has delivered a absolute return of 5.08% — -0.29 pp behind the Banking & PSU Fund category average of 5.37%. The fund ranks #15 of 22 in its category — the third (Q3) quartile.

Over the trailing 3-year window, ITI Banking & PSU Debt Fund - Direct Plan - Growth Option has delivered a CAGR of 7.15% — -0.09 pp behind the Banking & PSU Fund category average of 7.24%. The fund ranks #15 of 20 in its category — the third (Q3) quartile.

Over the trailing 5-year window, ITI Banking & PSU Debt Fund - Direct Plan - Growth Option has delivered a CAGR of 6.40% — +0.01 pp ahead of the Banking & PSU Fund category average of 6.38%. The fund ranks #8 of 18 in its category — the second (Q2) quartile.

₹1 lakh invested in ITI Banking & PSU Debt Fund - Direct Plan - Growth Option exactly 5 years ago would be worth approximately ₹136,362 today — a multiplier of 1.36×, based on the 5-year CAGR of 6.40%. The category average over the same window would have grown ₹1 lakh to ₹136,269.

A ₹10,000 monthly SIP in ITI Banking & PSU Debt Fund - Direct Plan - Growth Option over the last 5 years — total invested ₹600,000 — would be worth ₹712,604 today. That's an XIRR (money-weighted annualised return) of 6.81%.

ITI Banking & PSU Debt Fund - Direct Plan - Growth Option doesn't yet have 10 years of NAVs. Over the longest available window (5-year SIP), ₹10,000/month would have grown to ₹712,604 — XIRR 6.81%.

On a 5-year basis, ITI Banking & PSU Debt Fund - Direct Plan - Growth Option ranks #8 out of 18 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 6.38%; this fund delivered 6.40%.

The worst peak-to-trough decline ITI Banking & PSU Debt Fund - Direct Plan - Growth Option has experienced over the last 5-year window is 0.35% — its NAV fell from a high on 07 May 2026 to a low on 21 May 2026. 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, ITI Banking & PSU Debt Fund - Direct Plan - Growth Option averaged 6.40% (best 6.53%, worst 6.27%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is -0.30 — negative risk-adjusted performance.

In calendar year 2025, ITI Banking & PSU Debt Fund - Direct Plan - Growth Option returned 7.42% — lagging the Banking & PSU Fund category average of 7.73% by 0.31 pp. It ranked #18 of 21 in its category that year.

ITI Banking & PSU Debt Fund - Direct Plan - Growth Option 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. ITI Banking & PSU Debt Fund - Direct Plan - Growth Option 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: 0.4%. 5-year CAGR: 6.40%.

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

ITI Banking & PSU Debt Fund - Direct Plan - Growth Option

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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