Should I invest in NIPPON INDIA BANKING and PSU FUND?

We don't give personal investment advice. NIPPON INDIA BANKING and PSU FUND - Direct 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: 1.1%. 5-year CAGR: 6.41%.

Nippon India

NIPPON INDIA BANKING and PSU FUND - Direct Plan - IDCW Option

Latest NAV

₹22.8275

As of

17 Jul 2026

2,703 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.

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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	+0.02%	+0.01%	+0.00	32 / 60	Q3
1W	-0.10%	-0.06%	-0.04	48 / 60	Q4
2W	-0.18%	-0.13%	-0.04	39 / 60	Q3
1M	+0.73%	+0.04%	+0.69	9 / 60	Q1
3M	+1.99%	+0.62%	+1.37	5 / 60	Q1
6M	+3.39%	+1.01%	+2.39	5 / 60	Q1
YTD	+3.06%	+0.57%	+2.49	7 / 60	Q1
1Y	+5.12%	+1.29%	+3.83	10 / 60	Q1
2Y	+7.29%	+2.22%	+5.07	12 / 60	Q1
3Y	+7.30%	+1.98%	+5.32	7 / 57	Q1
4Y	+7.27%	+1.93%	+5.34	1 / 52	Q1
5Y	+6.41%	+1.64%	+4.77	4 / 50	Q1
7Y	+7.10%	+1.46%	+5.64	1 / 47	Q1
10Y	+7.43%	+1.38%	+6.05	1 / 37	Q1
Inception	+7.65%	+2.02%	+5.64	3 / 57	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	+3.06%	+0.54%	+2.52	5 / 51
2025	+7.72%	+2.37%	+5.35	8 / 52
2024	+8.26%	+2.35%	+5.92	5 / 53
2023	+7.22%	+2.08%	+5.14	1 / 51
2022	+3.65%	+1.10%	+2.55	8 / 50
2021	+4.24%	-0.84%	+5.08	1 / 50
2020	+11.38%	+2.60%	+8.79	1 / 47
2019	+11.04%	+1.86%	+9.17	3 / 45
2018	+6.69%	+1.66%	+5.03	3 / 46
2017	+5.89%	+0.89%	+5.00	5 / 46
2016	+10.35%	+2.60%	+7.75	4 / 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

+7.66%

124 windows

min 2.6% · max 12.7%

100% positive

3-Year rolling

+7.49%

100 windows

min 4.9% · max 9.9%

100% positive

5-Year rolling

+7.54%

76 windows

min 6.0% · max 9.3%

100% positive

7-Year rolling

+7.51%

51 windows

min 7.0% · max 8.1%

100% positive

Limited basis — fund is young, so this average may be skewed by which 7Y windows happen to be available.

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

1.66%

3-year · annualised

Sharpe ratio

0.36

vs risk-free 6.5%

Sortino ratio

—

Downside-only deviation

Max drawdown

-0.68%

Mar 2026 → Apr 2026

% positive months

91.7%

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 - MONTHLY IDCW Option	Nippon India	₹10.8296	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	₹22.8275
16 Jul 2026	₹22.8237
15 Jul 2026	₹22.8092
14 Jul 2026	₹22.7967
13 Jul 2026	₹22.8485
10 Jul 2026	₹22.8492
9 Jul 2026	₹22.8264
8 Jul 2026	₹22.8170
7 Jul 2026	₹22.8752
6 Jul 2026	₹22.8805

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 NIPPON INDIA BANKING and PSU FUND - Direct Plan - IDCW Option is ₹22.8275. It's a Banking & PSU Fund from Nippon India, run as a Direct plan IDCW (dividend) option. NAVs update once per business day from the AMFI feed.

NIPPON INDIA BANKING and PSU FUND - Direct Plan - IDCW Option has NAV history starting from 18 May 2015, a track record of about 11 years 2 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.

NIPPON INDIA BANKING and PSU FUND - Direct Plan - IDCW Option is managed by Nippon India. 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, NIPPON INDIA BANKING and PSU FUND - Direct Plan - IDCW Option has delivered a absolute return of 5.12% — +3.83 pp ahead of the Banking & PSU Fund category average of 1.29%. The fund ranks #10 of 60 in its category — the top (Q1) quartile.

Over the trailing 3-year window, NIPPON INDIA BANKING and PSU FUND - Direct Plan - IDCW Option has delivered a CAGR of 7.30% — +5.32 pp ahead of the Banking & PSU Fund category average of 1.98%. The fund ranks #7 of 57 in its category — the top (Q1) quartile.

Over the trailing 5-year window, NIPPON INDIA BANKING and PSU FUND - Direct Plan - IDCW Option has delivered a CAGR of 6.41% — +4.77 pp ahead of the Banking & PSU Fund category average of 1.64%. The fund ranks #4 of 50 in its category — the top (Q1) quartile.

₹1 lakh invested in NIPPON INDIA BANKING and PSU FUND - Direct Plan - IDCW Option exactly 10 years ago would be worth approximately ₹204,759 today — a multiplier of 2.05×, based on the 10-year CAGR of 7.43%. The category average over the same window would have grown ₹1 lakh to ₹114,739.

A ₹10,000 monthly SIP in NIPPON INDIA BANKING and PSU FUND - Direct Plan - IDCW Option over the last 5 years — total invested ₹600,000 — would be worth ₹715,895 today. That's an XIRR (money-weighted annualised return) of 7.00%.

A ₹10,000 monthly SIP for 10 years in NIPPON INDIA BANKING and PSU FUND - Direct Plan - IDCW Option = ₹1,200,000 invested. It would currently be worth ₹1,733,359 (multiplier 1.44×). XIRR: 7.14%. Long-horizon SIP results matter more than point-to-point returns because they smooth out entry timing.

On a 5-year basis, NIPPON INDIA BANKING and PSU FUND - Direct Plan - IDCW Option ranks #4 out of 50 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 1.64%; this fund delivered 6.41%.

The worst peak-to-trough decline NIPPON INDIA BANKING and PSU FUND - Direct Plan - IDCW Option has experienced over the last 5-year window is 1.11% — its NAV fell from a high on 05 Apr 2022 to a low on 09 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, NIPPON INDIA BANKING and PSU FUND - Direct Plan - IDCW Option averaged 7.54% (best 9.33%, worst 6.04%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is -0.16 — negative risk-adjusted performance.

In calendar year 2025, NIPPON INDIA BANKING and PSU FUND - Direct Plan - IDCW Option returned 7.72% — beating the Banking & PSU Fund category average of 2.37% by 5.35 pp. It ranked #8 of 52 in its category that year.

NIPPON INDIA BANKING and PSU FUND - Direct 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. NIPPON INDIA BANKING and PSU FUND - Direct 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: 1.1%. 5-year CAGR: 6.41%.

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

NIPPON INDIA BANKING and PSU FUND - Direct 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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