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Banking and PSU Mutual Funds

Find here some best Banking and PSU fund to invest

  • Annual Returns 6.78%
  • Average Risk Low
  • Total Funds 33

What is Banking and PSU Mutual Fund?

Banking and PSU funds are a great opportunity for investors who are willing to make investment in such sectors. Under these schemes, a minimum of 80% of the total assets are invested in the debt instruments of banks, public financial institutions, and public sector undertakings. The risk involved in such schemes is usually moderate on the principal amount invested. Therefore, it is suggested that the investors incline their money in it only after understanding well, their portfolio requirements.

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Top Performing Banking and PSU Funds in India for High Returns

Returns

SIP Returns

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Filters 1

  • Historic Returns
  • Investment Returns
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  • Quarterly
  • Annual
  • Point to Point Return

Data in this table : Get historical returns. If 1Y column is 10% that means, fund has given 10% returns in last 1 year.

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Fund Name AUM (Cr.) Fund Age 1W 1M 3M 6M YTD 1Y 2Y 3Y 5Y 10Y
271.1 11 years 0.69% 1.59% 2.6% 3.8% 2.49% 8.45% 7.94% 6.44% 6.54% 7.55% Invest
336.5 20 years 0.53% 1.28% 2.37% 3.86% 2.25% 8.34% 7.89% 6.39% 5.76% 6.72% Invest
2978.46 11 years 0.7% 1.64% 2.32% 3.52% 2.23% 8.32% 8.1% 6.67% 6.42% 7.28% Invest
9477.69 16 years 0.59% 1.27% 2.32% 3.84% 2.22% 8.17% 7.81% 6.59% 6.53% 7.53% Invest
5654.63 26 years 0.53% 1.26% 2.27% 3.75% 2.17% 8.14% 7.85% 6.63% 6.54% 7.49% Invest
1868.11 17 years 0.65% 1.42% 2.44% 3.85% 2.34% 8.1% 7.66% 6.33% 5.8% 6.64% Invest
1868.11 17 years 0.65% 1.42% 2.44% 3.85% 2.34% 8.1% 7.66% 6.33% 5.8% 6.64% Invest
5864.56 11 years 0.61% 1.31% 2.3% 3.84% 2.22% 8.09% 7.8% 6.51% 6.43% 7.4% Invest
5721.13 9 years 0.62% 1.35% 2.38% 3.83% 2.28% 8.09% 7.78% 6.42% 6.45% - Invest
100.1 12 years 0.61% 1.36% 2.33% 3.71% 2.21% 8.08% 7.77% 5.82% 5.71% 6.43% Invest
114.55 1 years 0.6% 1.33% 2.37% 3.74% 2.27% 8.08% - - - - Invest
9979.91 15 years 0.49% 1.13% 2.24% 4.14% 2.14% 8.06% 7.96% 7.06% 6.73% 7.53% Invest
12968.72 12 years 0.54% 1.2% 2.37% 3.93% 2.25% 8% 7.55% 6.41% 6.19% 7.29% Invest
25.84 4 years 0.65% 1.38% 2.39% 3.82% 2.32% 8% 7.57% 5.8% - - Invest
49.03 4 years 0.6% 1.32% 2.27% 3.92% 2.16% 7.97% 7.55% 6.14% - - Invest
3787.3 15 years 0.61% 1.29% 2.36% 3.79% 2.26% 7.94% 7.58% 6.18% 6.02% 7.06% Invest
13421.64 12 years 0.4% 1.06% 2.27% 3.79% 2.13% 7.91% 7.51% 6.39% 6.36% 7.26% Invest
595.56 10 years 0.37% 1.03% 2.11% 3.76% 1.97% 7.87% 7.57% 6.35% 5.95% 7.15% Invest
814.21 11 years 0.43% 0.96% 2.17% 3.75% 2.04% 7.79% 7.53% 8.62% 7.27% 6.82% Invest
235.1 2 years 0.42% 1.03% 2.08% 3.63% 1.99% 7.68% 7.31% - - - Invest
4128.58 12 years 0.49% 1.17% 2.22% 3.9% 2.09% 7.59% 7.3% 5.52% 5.74% 6.8% Invest
30.73 4 years 0.42% 0.98% 2.14% 3.66% 2.02% 7.37% 7.27% 6.47% - - Invest
141.11 2 years 0.41% 1.06% 2.9% 4.3% - 7.28% - - - - Invest
0 1 months 1.9% 6.59% - - - - - - - - Invest
0 2 years - - - - - - - - - - Invest
0 2 years - - - - - - - - - - Invest
0 2 years - - - - - - - - - - Invest
0 2 years - - - - - - - - - - Invest
2 years - - - - - - - - - - Invest
0 2 years - - - - - - - - - - Invest
0 2 years - - - - - - - - - - Invest
0 2 years - - - - - - - - - - Invest
0 2 years - - - - - - - - - - Invest
Fund Name AUM (Cr.) Risk 1W 1M 3M 6M YTD 1Y 2Y 3Y 5Y 10Y
Fund Name Mar-2025 Mar-2025 Feb-2025 Jan-2025 Dec-2024 Nov-2024 Oct-2024 Sep-2024 Aug-2024 Jul-2024 Jun-2024 May-2024
Fund Name 2025-Q1 2024-Q4 2024-Q3 2024-Q2 2024-Q1 2023-Q4 2023-Q3 2023-Q2 2023-Q1 2022-Q4 2022-Q3 2022-Q2
Fund Name 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013
Fund Name AUM (Cr.) Risk 1W 1M 3M 6M YTD 1Y 2Y 3Y 5Y 10Y
Fund Name AUM (Cr.) Initial NAV Final NAV NAV Change Absolute Ret. Annalized Ret.
Fund Name AUM (Cr.) Risk 6M 1Y 2Y 3Y 5Y 10Y From Launch
271.1 Low to Moderate
1.82%
7.91%
7.68%
7.5%
6.43%
7.27%
7.41%
Invest
336.5 Moderate
1.87%
7.87%
7.71%
7.42%
6.16%
6.34%
7.18%
Invest
2978.46 Moderate
1.64%
7.5%
7.77%
7.5%
6.38%
6.85%
7.04%
Invest
9477.69 Moderate
1.76%
7.59%
7.54%
7.31%
6.4%
6.99%
21.7%
Invest
5654.63 Moderate
1.78%
7.65%
7.62%
7.41%
6.47%
7.04%
7.15%
Invest
1868.11 Moderate
1.77%
7.53%
7.42%
7.12%
5.99%
6.37%
6.78%
Invest
1868.11 Moderate
1.77%
7.53%
7.42%
7.12%
5.99%
6.37%
6.78%
Invest
5864.56 Moderate
1.74%
7.49%
7.47%
7.27%
6.33%
6.87%
7.01%
Invest
5721.13 Moderate
1.79%
7.55%
7.48%
7.27%
6.29%
-
6.92%
Invest
100.1 Moderate
1.73%
7.54%
7.61%
7.29%
5.87%
6.2%
6.34%
Invest
114.55 Moderate
1.76%
7.61%
-
-
-
-
7.65%
Invest
9979.91 Moderate
1.86%
7.69%
7.65%
7.54%
6.72%
7.02%
7.61%
Invest
12968.72 Moderate
1.84%
7.59%
7.37%
7.08%
6.17%
6.81%
7.13%
Invest
25.84 Moderate
1.72%
7.55%
7.38%
7.05%
-
-
6.08%
Invest
49.03 Moderate
1.78%
7.49%
7.36%
7.08%
-
-
6.07%
Invest
3787.3 Moderate
1.77%
7.46%
7.34%
7.09%
5.99%
6.56%
7.16%
Invest
13421.64 Moderate
1.89%
7.67%
7.42%
7.18%
6.24%
6.93%
7.11%
Invest
595.56 Moderate
1.79%
7.55%
7.43%
7.22%
6.23%
6.8%
6.89%
Invest
814.21 Moderate
1.75%
7.43%
7.32%
7.29%
7.28%
6.57%
6.65%
Invest
235.1 Moderate
1.72%
7.26%
7.2%
-
-
-
7.1%
Invest
4128.58 Low to Moderate
1.78%
7.25%
7.08%
6.86%
5.64%
6.26%
5.72%
Invest
30.73 Low to Moderate
1.76%
7.24%
7.24%
7%
-
-
6.33%
Invest
141.11 Very High
1%
5.3%
-
-
-
-
5.92%
Invest
0 Very High
-
-
-
-
-
-
62.6%
Invest
0 Moderate
-
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-
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-
Invest
0 Low to Moderate
-
-
-
-
-
-
-
Invest
0 Low to Moderate
-
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-
-
-
Invest
0 Moderate
-
-
-
-
-
-
-
Invest
Average
-
-
-
-
-
-
-
Invest
0 Moderate
-
-
-
-
-
-
-
Invest
0 Moderate
-
-
-
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-
-
-
Invest
0 Moderate
-
-
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-
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-
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Invest
0 Low to Moderate
-
-
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-
-
-
-
Invest
Fund Name Risk Standard Deviation Alpha Beta Sharpe Ratio
Low to Moderate
2.079%
-
1.898%
-
Invest
Moderate
1.18%
3.99%
2.28%
-
Invest
Moderate
1.265%
-
0.873%
-
Invest
Moderate
0.934%
-
0.731%
-
Invest
Moderate
1.07%
-
0.827%
-
Invest
Moderate
1.02%
3.36%
2%
-
Invest
Moderate
1.02%
3.36%
2%
-
Invest
Moderate
0.962%
-
0.734%
-
Invest
Moderate
1.154%
-
0.95%
-
Invest
Moderate
1.746%
-
1.498%
-
Invest
Moderate
-
-
-
-
Invest
Moderate
0.77%
0.267%
0.482%
0.364%
Invest
Moderate
0.87%
2.92%
1.63%
-
Invest
Moderate
1.481%
-
1.233%
-
Invest
Moderate
1.18%
3.75%
2.2%
-
Invest
Moderate
1.127%
-
0.908%
-
Invest
Moderate
0.9%
-
0.637%
-
Invest
Moderate
1.087%
-
0.926%
-
Invest
Moderate
3.195%
1.73%
-
0.552%
Invest
Moderate
-
-
-
-
Invest
Low to Moderate
1.777%
-
1.6%
-
Invest
Low to Moderate
0.705%
-
0.371%
-
Invest
Very High
-
-
-
-
Invest
Very High
-
-
-
-
Invest
Moderate
-
-
-
-
Invest
Low to Moderate
-
-
-
-
Invest
Low to Moderate
-
-
-
-
Invest
Moderate
-
-
-
-
Invest
Average
-
-
-
-
Invest
Moderate
-
-
-
-
Invest
Moderate
-
-
-
-
Invest
Moderate
-
-
-
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Invest
Low to Moderate
-
-
-
-
Invest
Fund Name Min SIP Min Lumpsum Expense Ratio Fund Manager Launch Date
₹100
₹100
0.7%
Dhawal Dalal
13-Sep 2013
Invest
₹250
₹5000
0.42%
Dwijendra Srivastava
30-Dec 2004
Invest
₹100
₹100
0.72%
Karan Mundhra
14-Sep 2013
Invest
₹1000
₹1000
0.73%
Kaustubh Gupta
02-May 2008
Invest
₹100
₹100
0.75%
Deepak Agrawal
29-Dec 1998
Invest
₹1000
₹5000
0.78%
Marzban Irani
30-May 2007
Invest
₹1000
₹5000
0.78%
Marzban Irani
30-May 2007
Invest
₹100
₹100
0.79%
Anil Bamboli
26-Mar 2014
Invest
₹100
₹5000
0.76%
Vivek Sharma
15-May 2015
Invest
₹1000
₹1000
0.63%
Krishna Venkat Cheemalapati
29-Dec 2012
Invest
₹1000
₹1000
0.89%
Nimesh Chandan
13-Nov 2023
Invest
₹100
₹500
0.74%
Rohan Maru
01-Jan 2010
Invest
₹1000
₹5000
0.63%
Aditya Pagaria
08-Jun 2012
Invest
₹500
₹5000
0.79%
Prashant R Pimple
17-Dec 2020
Invest
₹1000
₹5000
0.81%
Kruti Chheta
24-Jul 2020
Invest
₹500
₹5000
0.81%
Rajeev Radhakrishnan
09-Oct 2009
Invest
₹100
₹1000
0.63%
Suyash Choudhary
07-Mar 2013
Invest
₹500
₹5000
0.53%
Anuj Tagra
25-Apr 2014
Invest
₹500
₹500
0.54%
Anurag Mittal
03-Feb 2014
Invest
₹1000
₹5000
0.71%
Avnish Jain
22-Aug 2022
Invest
₹1000
₹5000
0.61%
Mahesh A Chhabria
12-Sep 2012
Invest
₹500
₹5000
0.7%
Vikrant Mehta
20-Oct 2020
Invest
₹100
₹1000
0.18%
Sreejitha Balasubramanian
28-Mar 2023
Invest
₹5000
₹5000
-
Harsh Sethi
12-Feb 2025
Invest
₹0
₹5000
-
08-Mar 2023
Invest
₹0
₹5000
-
24-Jan 2023
Invest
₹0
₹5000
-
04-Jan 2023
Invest
₹0
₹5000
-
14-Dec 2022
Invest
₹0
₹5000
%
27-Dec 2022
Invest
₹0
₹5000
-
13-Dec 2022
Invest
₹0
₹5000
-
14-Dec 2022
Invest
₹0
₹5000
-
13-Dec 2022
Invest
₹0
₹5000
-
13-Dec 2022
Invest
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Banking and PSU Funds Return Calculator

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  • Invested Amount
  • Estimated Returns

  • Invested Amount ₹43,855
  • Interest Earned ₹6,145

Frequently Asked Questions

Who should invest in Banking and PSU Mutual Funds?
Banking and PSU funds are suitable for the investors who can digest high risk in search for higher returns. Moreover, these funds are not suitable for the investors who are stepping in the finance market with a short term investment perspective as they might end up delivering negative returns.
What is the minimum investment required for investing in Banking and PSU funds?
The minimum investment depends from one scheme to another. In general, for lumpsum investment the minimum investment can range from Rs. 500 to Rs. 5000. Whereas, in case of SIP, the range may vary between Rs. 500 to Rs. 1000. For authentic information, never forget to check the scheme related documents.
What is the investment philosophy followed by Banking and PSU companies?
The fund manager of Banking and PSU fund targets the best small sized companies having the potential to generate excellent gains in the future. Such companies do not have much resources as the large cap or mid cap companies but have high potential to outperform many big companies.
Why to invest in Banking and PSU funds?
Banking and PSU funds have more tendency of providing exceptional returns than the other categories of funds. Moreover, they can also be a suitable option for providing diversification to your portfolio.
How risky are Banking and PSU funds?
Banking and PSU funds are one of the riskiest mutual funds. But at the same time rewards are also high. Therefore, an investor who is willing to expose his corpus towards risk for fetching higher returns should invest in Banking and PSU funds.
Are Banking and PSU Funds for long term investment?
Yes, Banking and PSU funds are a suitable choice for generating long term capital appreciation. Moreover, in short term these funds can cause double digit losses to the investors. Thus, always maintain a long term investment perspective while investing in Banking and PSU mutual funds.
What is the benchmark of Banking and PSU Fund?
Benchmark is a standard with which a mutual fund competes in terms of growth & performance. Different Banking and PSU funds have different benchmark. Thus, read the mutual fund document carefully to know the benchmark.
What are the taxes applied on Banking and PSU Mutual Funds?
Banking and PSU funds are eligible for two types of taxes- STCG (Short Term Capital Gain) and LTCG (Long Term Capital Gain). STCG is the capital gain generated on the units which are hold for up to 1 year. The STCG tax imposed by the Government of India is 15%. LTCG is the profit generated on the units which are hold for more than one years. The LTCG levied is 10% for the profit above Rs. 1 Lakh.

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