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SBI Banking and PSU Fund(W-IDCW Payout)

IDCW
1,361.670.01% (-0.20)
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

SBI Banking and PSU Fund(W-IDCW Payout)

IDCW
DebtBanking & PSU Fund
Mid-size FundAssets Under Mgmt: ₹ 3,774 Cr
Moderate RiskPrinciple investment will be at moderate risk
1,361.670.01% (-0.20)

Price Chart

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Returns
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SIP
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1M
6M
1Y
3Y
5Y
Max
SIP
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
Mid-size FundAssets Under Mgmt: ₹ 3,774 Cr
Moderate RiskPrinciple investment will be at moderate risk

Key Metrics

Expense RatioExpense RatioNo LabelNo LabelNo LabelNo Label
0.347.465.13
No LabelNo LabelNo LabelNo LabelNo LabelNo Label
0.517.404.90

Scheme Info

PlanPlanLock inLock inExit LoadExit Load
IDCW0 yrs0.00%
Nil
SIP Inv.SIP Inv.Min. LumpsumMin. Lumpsum
Not allowedNot allowed
BenchmarkBenchmark
NIFTY 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

Returns

Scheme

Ratios

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Mutual Fund1Y Returns1Y Returns3Y CAGR3Y CAGRLife CAGRLife CAGR
SBI Banking and PSU Fund(W-IDCW Payout)8.03%5.64%3.02%
Bandhan Banking & PSU Debt Fund(DD-IDCW)0.04%-0.00%0.44%
Axis Banking & PSU Debt Fund(W-IDCW)-0.06%-0.01%0.31%
Aditya Birla SL Banking & PSU Debt(IDCW-Reinv)-6.48%-6.65%0.31%

Price Comparison

Compare SBI Banking and PSU Fund(W-IDCW Payout) with any MF, ETF, stock or index
Compare SBI Banking and PSU Fund(W-IDCW Payout) with any MF, ETF, stock or index
SBI Banking and PSU Fund(W-IDCW Payout)
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Asset Allocation

Actual

Target

Dec 2023

Mar 2024

Jun 2024

Aug 2024

ACTUAL
Cash & EquivalentsGovernment SecuritiesCorporate Debt0.35%3.56%23.35%72.74%

Dec 2023

Mar 2024

Jun 2024

Aug 2024

Tickertape Separator

Sector Distribution

+5 moreDiversified ChemicalsPower GenerationConsumer FinanceG-SecPublic Banks15.60 %7.31 %12.92 %13.12 %23.35 %27.70 %

Dec 2023

Mar 2024

Jun 2024

Aug 2024

Tickertape Separator

Sector Weightage

Jun 23Sep 23Dec 23Mar 24Jun 24Aug 2429.21%24.32%23.33%21.46%25.67%27.70%
Public Banks as a % of total holdings for last six quarters
Tickertape Separator

Current Holdings

Debt

Others

  • Constituent
    Holding Weight
    3M Change
  • 7.10% CGL 2034
    Sovereign
    3M change : 5.96 %|Sovereign

    Holdings

    10.23 %

    5.96 %
  • 7.34% CGL 2064
    Sovereign
    3M change : 5.62 %|Sovereign

    Holdings

    8.27 %

    5.62 %
  • Nuclear Power Corporation of India Ltd.
    [ICRA]AAA
    3M change : 0.18 %|[ICRA]AAA

    Holdings

    5.45 %

    0.18 %

AMC Profile

With 30 years of rich experience in fund management, SBI Funds Management Ltd. (SBIFML) bring forward their expertise by consistently delivering value to their investors. They have a strong and proud lineage that traces back to the State Bank of India (SBI) - India's largest bank. They are a Joint Venture between SBI and AMUNDI (France), one of the world's leading fund management companies., SBI currently holds 63% stake in SBIFMPL. They have been actively managing their investor's assets not only through our investment expertise in domestic mutual funds, but also offshore funds and portfolio management advisory services for institutional investors.

  • No.of Schemes

    105

  • Total AUM

    ₹ 7,62,429.66 Cr.

Fund Manager Profile

Rajeev Radhakrishnan

AUM:  ₹2,68,054.99 Cr.

Sum of AUMs of all funds managed by the fund manager

 | 

Exp: 10yrs

Ardhendu Bhattacharya

AUM:  ₹43,390.03 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

Investment frequency

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Monthly Investment Amt. (₹)

Investment period (years)

CAGR (%)
This CAGR is calculated based on the actual past return given by the fund during the selected investment period. This is the annualised growth rate assuming monthly compounding.
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Opinions and Fund Reviews

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