Should I invest in ITI Banking & PSU Debt Fund?

We don't give personal investment advice. ITI Banking & PSU Debt Fund - Regular Plan - IDCW 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: 5.72%.

ITI

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

Latest NAV

₹13.5378

As of

3 Jun 2026

1,353 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	+0.03%	+0.04%	-0.01	37 / 46	Q4
1W	+0.19%	+0.20%	-0.01	38 / 46	Q4
2W	+0.18%	+0.19%	-0.01	30 / 46	Q3
1M	+0.04%	+0.10%	-0.06	39 / 46	Q4
3M	+0.58%	-0.11%	+0.69	11 / 45	Q1
6M	+1.44%	+0.36%	+1.08	11 / 45	Q1
YTD	+1.31%	+0.24%	+1.07	8 / 45	Q1
1Y	+3.92%	+1.36%	+2.56	11 / 45	Q1
2Y	+6.13%	+2.42%	+3.71	11 / 43	Q2
3Y	+6.40%	+1.94%	+4.47	8 / 37	Q1
4Y	+6.30%	+2.39%	+3.91	7 / 33	Q1
5Y	+5.72%	+2.05%	+3.67	5 / 33	Q1
7Y	—	—	—	—	—
10Y	—	—	—	—	—
Inception	+5.54%	+2.36%	+3.18	8 / 46	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	+1.31%	-0.15%	+1.45	5 / 36
2025	+6.83%	+2.43%	+4.40	9 / 37
2024	+7.64%	+2.68%	+4.95	7 / 39
2023	+6.24%	+2.17%	+4.07	10 / 37
2022	+4.24%	+1.72%	+2.52	6 / 33
2021	+3.58%	-0.47%	+4.05	1 / 33
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

+5.90%

57 windows

min 3.1% · max 8.7%

100% positive

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

3-Year rolling

+6.16%

32 windows

min 4.7% · 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

+5.79%

8 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

-0.27

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 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	₹13.5378
2 Jun 2026	₹13.5382
1 Jun 2026	₹13.5348
29 May 2026	₹13.5256
27 May 2026	₹13.5182
26 May 2026	₹13.5130
25 May 2026	₹13.5120
22 May 2026	₹13.5030
21 May 2026	₹13.4991
20 May 2026	₹13.5109

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 ITI Banking & PSU Debt Fund - Regular Plan - IDCW Option is ₹13.5378. It's a Banking & PSU Fund from ITI, run as a Regular plan IDCW (dividend) option. NAVs update once per business day from the AMFI feed.

ITI Banking & PSU Debt Fund - Regular Plan - IDCW Option has NAV history starting from 23 Oct 2020, a track record of about 5 years 7 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 - IDCW 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 - IDCW Option has delivered a absolute return of 3.92% — +2.56 pp ahead of the Banking & PSU Fund category average of 1.36%. The fund ranks #11 of 45 in its category — the top (Q1) quartile.

Over the trailing 3-year window, ITI Banking & PSU Debt Fund - Regular Plan - IDCW Option has delivered a CAGR of 6.40% — +4.47 pp ahead of the Banking & PSU Fund category average of 1.94%. The fund ranks #8 of 37 in its category — the top (Q1) quartile.

Over the trailing 5-year window, ITI Banking & PSU Debt Fund - Regular Plan - IDCW Option has delivered a CAGR of 5.72% — +3.67 pp ahead of the Banking & PSU Fund category average of 2.05%. The fund ranks #5 of 33 in its category — the top (Q1) quartile.

₹1 lakh invested in ITI Banking & PSU Debt Fund - Regular Plan - IDCW Option exactly 5 years ago would be worth approximately ₹132,051 today — a multiplier of 1.32×, based on the 5-year CAGR of 5.72%. The category average over the same window would have grown ₹1 lakh to ₹110,684.

A ₹10,000 monthly SIP in ITI Banking & PSU Debt Fund - Regular Plan - IDCW Option over the last 5 years — total invested ₹600,000 — would be worth ₹698,962 today. That's an XIRR (money-weighted annualised return) of 6.04%.

ITI Banking & PSU Debt Fund - Regular Plan - IDCW Option doesn't yet have 10 years of NAVs. Over the longest available window (5-year SIP), ₹10,000/month would have grown to ₹698,962 — XIRR 6.04%.

On a 5-year basis, ITI Banking & PSU Debt Fund - Regular Plan - IDCW Option ranks #5 out of 33 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 2.05%; this fund delivered 5.72%.

The worst peak-to-trough decline ITI Banking & PSU Debt Fund - Regular Plan - IDCW 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 - IDCW Option averaged 5.79% (best 5.98%, worst 5.69%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is -0.98 — negative risk-adjusted performance.

In calendar year 2025, ITI Banking & PSU Debt Fund - Regular Plan - IDCW Option returned 6.83% — beating the Banking & PSU Fund category average of 2.43% by 4.40 pp. It ranked #9 of 37 in its category that year.

ITI Banking & PSU Debt Fund - Regular Plan - IDCW 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 - IDCW 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: 5.72%.

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 - IDCW 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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