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Nippon India Banking & PSU Debt Fund(Q-IDCW)

IDCW
DebtBanking & PSU Fund
Large-size FundAssets Under Mgmt: ₹ 5,346 Cr
Moderate RiskPrinciple investment will be at moderate risk
10.850.00% (+0.00)

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Returns
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Investment Checklist

Returns

Fund's average annual rolling returns over the last three years is compared against the funds from the same category

Fund has been able to generate better returns compared to other funds in the same category

Expense Ratio

Expense Ratio is the fee paid by investors of Mutual Funds. Fund's expense ratio is compared against the expense ratio of other funds in the same category to check if the fund is charging more or less compared to other funds in the same category

Less expense ratio implies better returns over the long term

Return vs FD Rates

If fund's return is lower than the average fixed deposit rates offered by banks, investors are better off investing the amount in a FD

Fund has not been able to generate better price return than bank FD

Red Flags

We check for various red flags on fund's portfolio holdings like - ratings for debt securities, pledging of promoter shares in the company, default probabiity of the company, stocks presense in negative lists published by the exchanges etc. Checkout the Holdings section in the Portfolio tab for full list of securties with red flags

Total holdings with red flags is insignificant

DebtBanking & PSU Fund
Large-size FundAssets Under Mgmt: ₹ 5,346 Cr
Moderate RiskPrinciple investment will be at moderate risk

Key Metrics

Expense RatioExpense RatioNo LabelNo LabelNo LabelNo Label
0.387.285.54
No LabelNo LabelNo LabelNo LabelNo LabelNo Label
0.507.315.60

Scheme Info

PlanPlanLock inLock inExit LoadExit Load
IDCW0 yrs0.00%
Nil
SIP Inv.SIP Inv.Min. LumpsumMin. Lumpsum
Allowed₹ 5,000
Initial: ₹ 5,000 Incremental: ₹ 1,000
BenchmarkBenchmark
CRISIL Banking and PSU Debt Index

About Banking & PSU Fund

Banking and PSU funds are the debt funds that lend money to banks and public sector companies only. The risk of default is less as the borrowers are of high quality. The performance also depends on the interest rates in the economy.

Peers & Comparison

Comparing 3 mutual funds from 
DebtBanking & PSU Fund
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Mutual Fund1Y Returns1Y Returns3Y CAGR3Y CAGRLife CAGRLife CAGR
Nippon India Banking & PSU Debt Fund(Q-IDCW)1.52%0.79%0.86%
Bandhan Banking & PSU Debt Fund(DD-IDCW)-0.01%0.01%0.43%
Axis Banking & PSU Debt Fund(W-IDCW)0.09%0.05%0.31%
Aditya Birla SL Banking & PSU Debt(IDCW-Reinv)-6.06%-6.38%0.39%

Price Comparison

Compare Nippon India Banking & PSU Debt Fund(Q-IDCW) with any MF, ETF, stock or index
Compare Nippon India Banking & PSU Debt Fund(Q-IDCW) with any MF, ETF, stock or index
Nippon India Banking & PSU Debt Fund(Q-IDCW)
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Asset Allocation

Actual

Target

Dec 2023

Mar 2024

Jun 2024

Sep 2024

ACTUAL
+1 moreCertificate of DepositFloating-rate DebtCash & EquivalentsGovernment SecuritiesCorporate Debt0.27%1.38%1.52%3.56%23.98%69.31%

Dec 2023

Mar 2024

Jun 2024

Sep 2024

Tickertape Separator

Sector Distribution

+7 morePower GenerationPrivate BanksG-SecPublic BanksConsumer Finance8.75 %6.46 %10.80 %23.98 %24.52 %25.50 %

Dec 2023

Mar 2024

Jun 2024

Sep 2024

Tickertape Separator

Sector Weightage

Jun 23Sep 23Dec 23Mar 24Jun 24Sep 2416.08%17.42%19.50%22.08%23.96%25.50%
Consumer Finance as a % of total holdings for last six quarters
Tickertape Separator

Current Holdings

Debt

Others

  • Constituent
    Holding Weight
    3M Change
  • 7.32% Government of India
    SOVEREIGN
    3M change : 5.86 %|SOVEREIGN

    Holdings

    7.71 %

    5.86 %
  • 7.1% Government of India
    Sov
    3M change : 4.03 %|Sov

    Holdings

    6.50 %

    4.03 %
  • 7.23% Government of India
    Sov
    3M change : 0.74 %|Sov

    Holdings

    4.18 %

    0.74 %

AMC Profile

Nippon India Mutual Fund is one of India’s leading mutual funds, with Average Assets Under Management (AAUM) of Rs 2,79,431 Crores​​. NIMF has been established as a trust under the Indian Trusts Act, 1882 with Nippon Life Insurance Company as its Sponsor and Nippon Life India Trustee Ltd as its Trustee.

  • No.of Schemes

    78

  • Total AUM

    ₹ 4,08,141.95 Cr.

Fund Manager Profile

Pranay Sinha

AUM:  ₹24,189.12 Cr.

Sum of AUMs of all funds managed by the fund manager

 | 

Exp: 10yrs

Vivek Sharma

AUM:  ₹41,710.19 Cr.

Sum of AUMs of all funds managed by the fund manager

 | 

Exp:

Kinjal Desai

AUM:  ₹1,29,181.00 Cr.

Sum of AUMs of all funds managed by the fund manager

 | 

Exp:

Manager Performance (0)

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Tax Implications

Invested period < 2 years

Gains are added to taxable income and taxed according to the individual’s income tax slab

Invested period > 2 years(Investments from 1st April 2023)

Gains are added to taxable income and taxed according to the individual’s income tax slab

Invested period > 2 years(Investments before 1st April 2023)

Gains are treated as long-term capital gains and taxed at 12.5%

Let’s calculate your returns after tax

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CAGR (%)
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