Should I invest in ITI Banking & PSU Debt Fund?

We don't give personal investment advice. ITI Banking & PSU Debt Fund - Regular 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: 5.82%.

ITI

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

Latest NAV

₹13.6962

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	11 / 13	Q4
1W	-0.04%	-0.02%	-0.02	6 / 13	Q2
2W	-0.06%	-0.11%	+0.04	5 / 13	Q2
1M	+0.62%	+0.64%	-0.02	9 / 13	Q3
3M	+1.25%	+1.62%	-0.37	12 / 13	Q4
6M	+2.58%	+2.96%	-0.38	12 / 13	Q4
YTD	+2.50%	+2.51%	-0.01	9 / 13	Q3
1Y	+4.51%	+5.01%	-0.50	9 / 13	Q3
2Y	+6.35%	+6.82%	-0.48	13 / 13	Q4
3Y	+6.56%	+6.76%	-0.20	9 / 11	Q4
4Y	+6.44%	+6.65%	-0.21	9 / 10	Q4
5Y	+5.82%	+5.96%	-0.14	6 / 9	Q3
7Y	—	—	—	—	—
10Y	—	—	—	—	—
Inception	+5.63%	+6.88%	-1.24	12 / 13	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	+2.50%	+2.67%	-0.17	9 / 12
2025	+6.83%	+7.22%	-0.39	11 / 12
2024	+7.63%	+7.78%	-0.16	7 / 12
2023	+6.24%	+6.50%	-0.26	11 / 11
2022	+4.24%	+3.77%	+0.47	2 / 9
2021	+3.58%	+3.32%	+0.26	2 / 9
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

+5.88%

58 windows

min 3.3% · max 8.6%

100% positive

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

3-Year rolling

+6.15%

34 windows

min 4.5% · max 7.2%

100% positive

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

5-Year rolling

+5.82%

10 windows

min 5.7% · max 6.0%

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

-0.11

vs risk-free 6.5%

Sortino ratio

—

Downside-only deviation

Max drawdown

-0.37%

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
SBI BANKING & PSU FUND - Regular Paln - Growth	SBI	₹3,291.9397	17 Jul 2026
Invesco India Banking and PSU Fund - Regular Plan - Growth Option	Invesco	₹2,390.7496	17 Jul 2026
Bandhan Banking and PSU Fund - Regular Growth	Bandhan	₹26.1124	17 Jul 2026
Mirae Asset Banking and PSU Fund - Regular Plan - Growth	Mirae Asset	₹13.5955	17 Jul 2026
Edelweiss Banking and PSU Debt Fund - Regular Plan - Growth Option	Edelweiss	₹25.8571	17 Jul 2026
DSP Banking & PSU Debt Fund - Regular Plan - Growth	DSP	₹25.2912	17 Jul 2026
HSBC Banking and PSU Debt Fund - Regular Growth	HSBC	₹25.6338	17 Jul 2026
Canara Robeco Banking and PSU Debt Fund- Regular Plan- Growth Option	Canara Robeco	₹12.7072	17 Jul 2026
UTI Banking & PSU Fund- Regular Plan - Growth Option	UTI	₹23.2971	17 Jul 2026
Axis Banking & PSU Debt Fund - Regular Plan - Growth option	Axis	₹2,788.4226	17 Jul 2026

Recent NAVs

Date	NAV
17 Jul 2026	₹13.6962
16 Jul 2026	₹13.6972
15 Jul 2026	₹13.6883
14 Jul 2026	₹13.6828
13 Jul 2026	₹13.7026
10 Jul 2026	₹13.7022
9 Jul 2026	₹13.6905
8 Jul 2026	₹13.6832
7 Jul 2026	₹13.7069
6 Jul 2026	₹13.7109

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 - Regular Plan - Growth Option is ₹13.6962. It's a Banking & PSU Fund from ITI, run as a Regular plan Growth option. NAVs update once per business day from the AMFI feed.

ITI Banking & PSU Debt Fund - Regular 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 - Regular 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 - Regular Plan - Growth Option has delivered a absolute return of 4.51% — -0.5 pp behind the Banking & PSU Fund category average of 5.01%. The fund ranks #9 of 13 in its category — the third (Q3) quartile.

Over the trailing 3-year window, ITI Banking & PSU Debt Fund - Regular Plan - Growth Option has delivered a CAGR of 6.56% — -0.2 pp behind the Banking & PSU Fund category average of 6.76%. The fund ranks #9 of 11 in its category — the bottom (Q4) quartile.

Over the trailing 5-year window, ITI Banking & PSU Debt Fund - Regular Plan - Growth Option has delivered a CAGR of 5.82% — -0.14 pp behind the Banking & PSU Fund category average of 5.96%. The fund ranks #6 of 9 in its category — the third (Q3) quartile.

₹1 lakh invested in ITI Banking & PSU Debt Fund - Regular Plan - Growth Option exactly 5 years ago would be worth approximately ₹132,676 today — a multiplier of 1.33×, based on the 5-year CAGR of 5.82%. The category average over the same window would have grown ₹1 lakh to ₹133,566.

A ₹10,000 monthly SIP in ITI Banking & PSU Debt Fund - Regular Plan - Growth Option over the last 5 years — total invested ₹600,000 — would be worth ₹702,248 today. That's an XIRR (money-weighted annualised return) of 6.23%.

ITI Banking & PSU Debt Fund - Regular 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 ₹702,248 — XIRR 6.23%.

On a 5-year basis, ITI Banking & PSU Debt Fund - Regular Plan - Growth Option ranks #6 out of 9 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 5.96%; this fund delivered 5.82%.

The worst peak-to-trough decline ITI Banking & PSU Debt Fund - Regular Plan - Growth Option has experienced over the last 5-year window is 0.37% — 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 - Regular Plan - Growth Option averaged 5.82% (best 5.95%, worst 5.69%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is -0.90 — negative risk-adjusted performance.

In calendar year 2025, ITI Banking & PSU Debt Fund - Regular Plan - Growth Option returned 6.83% — lagging the Banking & PSU Fund category average of 7.22% by 0.39 pp. It ranked #11 of 12 in its category that year.

ITI Banking & PSU Debt Fund - Regular 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 - Regular 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: 5.82%.

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

ITI Banking & PSU Debt Fund - Regular 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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