Should I invest in SBI BANKING & PSU FUND?

We don't give personal investment advice. SBI BANKING & PSU FUND - Direct Plan - Growth 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: 1.2%. 5-year CAGR: 5.93%.

SBI

SBI BANKING & PSU FUND - Direct Plan - Growth

Latest NAV

₹3,450.9960

As of

3 Jun 2026

3,035 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	+0.06%	+0.05%	+0.01	10 / 22	Q2
1W	+0.25%	+0.24%	+0.01	9 / 22	Q2
2W	+0.30%	+0.34%	-0.04	17 / 22	Q4
1M	+0.21%	+0.18%	+0.03	7 / 22	Q2
3M	+0.51%	+0.45%	+0.07	7 / 22	Q2
6M	+1.34%	+1.44%	-0.10	9 / 22	Q2
YTD	+1.24%	+1.13%	+0.11	5 / 22	Q1
1Y	+3.77%	+4.05%	-0.27	11 / 22	Q2
2Y	+6.92%	+6.86%	+0.06	6 / 22	Q2
3Y	+6.89%	+6.85%	+0.04	8 / 20	Q2
4Y	+6.89%	+6.95%	-0.06	10 / 18	Q3
5Y	+5.93%	+6.12%	-0.19	14 / 18	Q4
7Y	+6.76%	+6.90%	-0.13	11 / 16	Q3
10Y	+7.17%	+7.17%	+0.00	10 / 15	Q3
Inception	+7.69%	+7.37%	+0.31	8 / 21	Q2

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	+1.24%	+1.15%	+0.08	5 / 21
2025	+7.87%	+7.73%	+0.14	8 / 21
2024	+8.15%	+8.19%	-0.04	14 / 21
2023	+7.06%	+7.05%	+0.01	9 / 20
2022	+3.35%	+3.98%	-0.63	14 / 18
2021	+3.01%	+3.82%	-0.81	17 / 18
2020	+10.88%	+10.42%	+0.46	8 / 16
2019	+10.31%	+10.17%	+0.14	12 / 16
2018	+7.83%	+6.92%	+0.91	1 / 16
2017	+6.94%	+5.82%	+1.12	2 / 17
2016	+9.01%	+10.00%	-0.99	11 / 16

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

+7.75%

141 windows

min 2.1% · max 12.3%

100% positive

3-Year rolling

+7.55%

117 windows

min 4.4% · max 9.8%

100% positive

5-Year rolling

+7.50%

92 windows

min 5.8% · max 9.2%

100% positive

7-Year rolling

+7.57%

68 windows

min 6.8% · max 9.3%

100% positive

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

1.41%

3-year · annualised

Sharpe ratio

0.14

vs risk-free 6.5%

Sortino ratio

—

Downside-only deviation

Max drawdown

-0.60%

Mar 2026 → Apr 2026

% positive months

94.4%

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	₹24.9106	3 Jun 2026
Nippon India Banking and PSU Fund- Direct Plan-Growth Plan- Growth Option	Nippon India	₹22.3658	3 Jun 2026
ICICI Prudential Banking and PSU Debt Fund - Direct Plan - Growth	ICICI Prudential	₹35.6482	3 Jun 2026
Invesco India Banking and PSU Fund - Direct Plan - Growth Option	Invesco	₹2,518.9537	3 Jun 2026
Bandhan Banking and PSU Fund - Direct Growth	Bandhan	₹26.4454	3 Jun 2026
Aditya Birla Sun Life Banking & PSU Debt Fund- Direct Plan-Growth	Aditya Birla Sun Life	₹395.5958	3 Jun 2026
Franklin India Banking & PSU Debt Fund - Direct - Growth	Franklin India	₹24.7373	3 Jun 2026
Mirae Asset Banking and PSU Fund - Direct Plan - Growth	Mirae Asset	₹13.7330	3 Jun 2026
Kotak Banking and PSU Debt Direct - Growth	Kotak	₹71.1226	3 Jun 2026
Edelweiss Banking and PSU Debt Fund - Direct Plan - Growth Option	Edelweiss	₹26.5023	3 Jun 2026

Recent NAVs

Date	NAV
3 Jun 2026	₹3,450.9960
2 Jun 2026	₹3,451.9558
1 Jun 2026	₹3,449.7420
31 May 2026	₹3,448.4768
29 May 2026	₹3,447.2050
27 May 2026	₹3,445.2188
26 May 2026	₹3,443.4851
25 May 2026	₹3,443.3510
22 May 2026	₹3,439.5674
21 May 2026	₹3,438.2905

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 SBI BANKING & PSU FUND - Direct Plan - Growth is ₹3,450.9960. It's a Banking & PSU Fund from SBI, run as a Direct plan Growth option. NAVs update once per business day from the AMFI feed.

SBI BANKING & PSU FUND - Direct Plan - Growth has NAV history starting from 18 Nov 2013, a track record of about 12 years 6 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.

SBI BANKING & PSU FUND - Direct Plan - Growth is managed by SBI. 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, SBI BANKING & PSU FUND - Direct Plan - Growth has delivered a absolute return of 3.77% — -0.27 pp behind the Banking & PSU Fund category average of 4.05%. The fund ranks #11 of 22 in its category — the second (Q2) quartile.

Over the trailing 3-year window, SBI BANKING & PSU FUND - Direct Plan - Growth has delivered a CAGR of 6.89% — +0.04 pp ahead of the Banking & PSU Fund category average of 6.85%. The fund ranks #8 of 20 in its category — the second (Q2) quartile.

Over the trailing 5-year window, SBI BANKING & PSU FUND - Direct Plan - Growth has delivered a CAGR of 5.93% — -0.19 pp behind the Banking & PSU Fund category average of 6.12%. The fund ranks #14 of 18 in its category — the bottom (Q4) quartile.

₹1 lakh invested in SBI BANKING & PSU FUND - Direct Plan - Growth exactly 10 years ago would be worth approximately ₹199,895 today — a multiplier of 2.00×, based on the 10-year CAGR of 7.17%. The category average over the same window would have grown ₹1 lakh to ₹199,874.

A ₹10,000 monthly SIP in SBI BANKING & PSU FUND - Direct Plan - Growth over the last 5 years — total invested ₹600,000 — would be worth ₹707,364 today. That's an XIRR (money-weighted annualised return) of 6.51%.

A ₹10,000 monthly SIP for 10 years in SBI BANKING & PSU FUND - Direct Plan - Growth = ₹1,200,000 invested. It would currently be worth ₹1,698,408 (multiplier 1.42×). XIRR: 6.75%. Long-horizon SIP results matter more than point-to-point returns because they smooth out entry timing.

On a 5-year basis, SBI BANKING & PSU FUND - Direct Plan - Growth ranks #14 out of 18 funds in the Banking & PSU Fund category — that places it in the bottom quartile (Q4) — material underperformance. The category average return over the same window is 6.12%; this fund delivered 5.93%.

The worst peak-to-trough decline SBI BANKING & PSU FUND - Direct Plan - Growth has experienced over the last 5-year window is 1.15% — 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, SBI BANKING & PSU FUND - Direct Plan - Growth averaged 7.50% (best 9.21%, worst 5.85%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is -0.49 — negative risk-adjusted performance.

In calendar year 2025, SBI BANKING & PSU FUND - Direct Plan - Growth returned 7.87% — beating the Banking & PSU Fund category average of 7.73% by 0.14 pp. It ranked #8 of 21 in its category that year.

SBI BANKING & PSU FUND - Direct Plan - Growth 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. SBI BANKING & PSU FUND - Direct Plan - Growth 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: 1.2%. 5-year CAGR: 5.93%.

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

SBI BANKING & PSU FUND - Direct Plan - Growth

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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