Should I invest in NIPPON INDIA BANKING and PSU FUND - MONTHLY IDCW Option?

We don't give personal investment advice. NIPPON INDIA BANKING and PSU FUND - Direct Plan - MONTHLY 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: 2.4%. 5-year CAGR: 0.21%.

Nippon India

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

Latest NAV

₹10.7459

As of

3 Jun 2026

2,672 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	+0.08%	+0.04%	+0.05	5 / 60	Q1
1W	+0.27%	+0.18%	+0.08	10 / 60	Q1
2W	+0.44%	+0.25%	+0.19	12 / 60	Q1
1M	+0.17%	+0.10%	+0.08	26 / 60	Q2
3M	-0.25%	-0.18%	-0.07	41 / 60	Q3
6M	-0.14%	+0.11%	-0.25	40 / 60	Q3
YTD	-0.18%	+0.01%	-0.19	42 / 60	Q3
1Y	-0.27%	+0.62%	-0.89	39 / 60	Q3
2Y	+0.16%	+2.02%	-1.86	35 / 60	Q3
3Y	+0.29%	+1.80%	-1.52	26 / 57	Q2
4Y	+0.49%	+1.90%	-1.41	28 / 51	Q3
5Y	+0.21%	+1.49%	-1.28	24 / 50	Q2
7Y	+0.28%	+1.49%	-1.22	27 / 47	Q3
10Y	+0.47%	+1.37%	-0.91	15 / 37	Q2
Inception	+0.64%	+1.97%	-1.33	29 / 57	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	-0.18%	-0.12%	-0.06	35 / 51
2025	+0.37%	+2.37%	-2.00	29 / 52
2024	+0.57%	+2.35%	-1.78	30 / 53
2023	+0.19%	+2.08%	-1.89	28 / 51
2022	+0.16%	+1.10%	-0.94	21 / 50
2021	-0.23%	-0.84%	+0.61	27 / 50
2020	+0.67%	+2.60%	-1.93	27 / 47
2019	+1.48%	+1.86%	-0.38	20 / 45
2018	+1.04%	+1.66%	-0.62	18 / 46
2017	-0.11%	+0.89%	-1.00	32 / 46
2016	+0.77%	+2.60%	-1.83	22 / 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

+0.56%

123 windows

min -1.4% · max 2.8%

75% positive

3-Year rolling

+0.57%

99 windows

min -0.2% · max 1.3%

96% positive

5-Year rolling

+0.55%

74 windows

min 0.0% · max 1.0%

100% positive

7-Year rolling

+0.56%

50 windows

min 0.3% · max 0.8%

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

1.29%

3-year · annualised

Sharpe ratio

-4.82

vs risk-free 6.5%

Sortino ratio

-7.39

Downside-only deviation

Max drawdown

-2.43%

Apr 2025 → May 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
HDFC Banking and PSU Debt Fund - IDCW Option - Direct Plan	HDFC	₹10.0227	3 Jun 2026
NIPPON INDIA BANKING and PSU FUND - Direct Plan - IDCW Option	Nippon India	₹22.3658	3 Jun 2026
SBI Banking & PSU Fund - Direct Plan - Daily Income Distribution cum Capital Withdrawal Option (IDCW)	SBI	₹1,520.0680	3 Jun 2026
ICICI Prudential Banking and PSU Debt Fund - Direct Plan - Quarterly IDCW	ICICI Prudential	₹12.9930	3 Jun 2026
Invesco India Banking and PSU Fund - Direct Plan - Daily IDCW (Reinvestment)	Invesco	₹1,062.6489	3 Jun 2026
Bandhan Banking and PSU Fund - Direct Annual IDCW	Bandhan	₹12.0978	3 Jun 2026
Aditya Birla Sun Life Banking & PSU Debt Fund - DIRECT - IDCW	Aditya Birla Sun Life	₹104.7496	3 Jun 2026
Franklin India Banking and PSU Debt Fund - Direct - IDCW	Franklin India	₹11.5390	3 Jun 2026
Mirae Asset Banking and PSU Fund - Direct Plan - IDCW	Mirae Asset	₹13.7262	3 Jun 2026
Kotak Banking and PSU Debt Direct - Monthly Payout of Income Distribution cum capital withdrawal option	Kotak	₹10.2444	3 Jun 2026

Recent NAVs

Date	NAV
3 Jun 2026	₹10.7459
2 Jun 2026	₹10.7511
1 Jun 2026	₹10.7420
29 May 2026	₹10.7396
27 May 2026	₹10.7303
26 May 2026	₹10.7225
25 May 2026	₹10.7213
22 May 2026	₹10.6996
21 May 2026	₹10.6898
20 May 2026	₹10.6997

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 NIPPON INDIA BANKING and PSU FUND - Direct Plan - MONTHLY IDCW Option is ₹10.7459. 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 - MONTHLY IDCW Option has NAV history starting from 18 May 2015, a track record of about 11 years. 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 - MONTHLY 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 - MONTHLY IDCW Option has delivered a absolute return of -0.27% — -0.89 pp behind the Banking & PSU Fund category average of 0.62%. The fund ranks #39 of 60 in its category — the third (Q3) quartile.

Over the trailing 3-year window, NIPPON INDIA BANKING and PSU FUND - Direct Plan - MONTHLY IDCW Option has delivered a CAGR of 0.29% — -1.52 pp behind the Banking & PSU Fund category average of 1.80%. The fund ranks #26 of 57 in its category — the second (Q2) quartile.

Over the trailing 5-year window, NIPPON INDIA BANKING and PSU FUND - Direct Plan - MONTHLY IDCW Option has delivered a CAGR of 0.21% — -1.28 pp behind the Banking & PSU Fund category average of 1.49%. The fund ranks #24 of 50 in its category — the second (Q2) quartile.

₹1 lakh invested in NIPPON INDIA BANKING and PSU FUND - Direct Plan - MONTHLY IDCW Option exactly 10 years ago would be worth approximately ₹104,764 today — a multiplier of 1.05×, based on the 10-year CAGR of 0.47%. The category average over the same window would have grown ₹1 lakh to ₹114,619.

A ₹10,000 monthly SIP in NIPPON INDIA BANKING and PSU FUND - Direct Plan - MONTHLY IDCW Option over the last 5 years — total invested ₹600,000 — would be worth ₹603,553 today. That's an XIRR (money-weighted annualised return) of 0.23%.

A ₹10,000 monthly SIP for 10 years in NIPPON INDIA BANKING and PSU FUND - Direct Plan - MONTHLY IDCW Option = ₹1,200,000 invested. It would currently be worth ₹1,222,390 (multiplier 1.02×). XIRR: 0.37%. 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 - MONTHLY IDCW Option ranks #24 out of 50 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 1.49%; this fund delivered 0.21%.

The worst peak-to-trough decline NIPPON INDIA BANKING and PSU FUND - Direct Plan - MONTHLY IDCW Option has experienced over the last 5-year window is 2.43% — its NAV fell from a high on 21 Apr 2025 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, NIPPON INDIA BANKING and PSU FUND - Direct Plan - MONTHLY IDCW Option averaged 0.55% (best 0.96%, worst 0.02%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is -5.22 — negative risk-adjusted performance.

In calendar year 2025, NIPPON INDIA BANKING and PSU FUND - Direct Plan - MONTHLY IDCW Option returned 0.37% — lagging the Banking & PSU Fund category average of 2.37% by 2.00 pp. It ranked #29 of 52 in its category that year.

NIPPON INDIA BANKING and PSU FUND - Direct Plan - MONTHLY 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 - MONTHLY 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: 2.4%. 5-year CAGR: 0.21%.

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