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ITI Banking & PSU Debt Fund - Direct Plan - IDCW Option
★★★★★ TopFund est.
TopFund Score (fallback rating)
- Calculated by: TopFund — used only when no third-party rating exists for this fund
- Formula: 3-year trailing return percentile within category, adjusted ±1 star for expense ratio
- Refresh frequency: Whenever TopFund re-syncs this fund's data
- Limitations: A simplified 2-factor estimate, not equivalent to a rating agency's full analysis
TopFund Score: 75/100 · Good
How this score is calculated
- Star rating (35%)4/5
- 3Y CAGR (30%)6.97%
- Expense ratio (20%)0.39%
- AUM (15%)₹8,823 Cr
Not investment advice — an analytical read of public fund data. Methodology →
ITI Mutual Fund · Debt · Banking and PSU Fund
₹14.22
AUM: ₹8,823 Cr
NAV updated 4 days ago
Plan
Direct
Option
Idcw
Risk
Moderate
Expense Ratio
0.39%
Exit Load
Nil
Fund Manager
Rahul Goswami, Chandni Gupta
Inception
Jan 2013
Benchmark
Nifty Banking & PSU Debt Index A-II
Sharpe Ratio
-1.69
Std Dev (1Y)
0.85%
Historical Returns (CAGR)
Annualized trailing returns computed from NAV history — past performance only, not a guarantee of future results.
1m
+0.09%
3m
+0.94%
6m
+2.67%
1y
+4.86%
3y
+6.97%
5y
+6.31%
10y
+7.42%
since inception
+6.12%
TopFund's Take on ITI Banking & PSU Debt Fund - Direct Plan - IDCW Option
ITI Banking & PSU Debt Fund - Direct Plan - IDCW Option holds up reasonably well within the Banking and PSU Fund category, backed by a 4-star rating. TopFund's composite Health Score, which weighs rating, 3-year CAGR, expense ratio and fund size, puts it at 75/100.
Cost: At 0.39%, the expense ratio is roughly in line with the Banking and PSU Fund category average of 0.39% — cost isn't a standout factor either way for this fund.
Risk-adjusted performance: Over the trailing 1-year period, the fund shows a negative Sharpe ratio of -1.69 — over the past year, returns haven't kept pace with the volatility involved, even before accounting for the risk-free rate. Separately, annualised volatility of 0.85% is on the lower side for a Banking and PSU Fund fund, suggesting a comparatively smoother ride.
Who should invest: This fund is best suited to conservative investors prioritising capital stability and predictable income over high growth.
This is an automated, data-driven analysis based on the fund's own metrics and its category peers — not personalized investment advice. Consult a SEBI-registered advisor before investing.
Sector Allocation
Asset Allocation
Fund Snapshot
Tools & Guides for This Fund
Frequently Asked Questions about ITI Banking & PSU Debt Fund - Direct Plan - IDCW Option
The current NAV (Net Asset Value) of ITI Banking & PSU Debt Fund - Direct Plan - IDCW Option is ₹14.22. NAV is updated every business day after market close by AMFI.
1Y: 4.86% · 3Y CAGR: 6.97% · 5Y CAGR: 6.31%
The expense ratio of ITI Banking & PSU Debt Fund - Direct Plan - IDCW Option is 0.39% per annum. This is the annual fee charged by the fund to manage your investment.
ITI Banking & PSU Debt Fund - Direct Plan - IDCW Option is managed by Rahul Goswami, Chandni Gupta at ITI Mutual Fund.
ITI Banking & PSU Debt Fund - Direct Plan - IDCW Option is classified as a Moderate risk fund. It is suitable for investors with a moderate risk appetite.
ITI Banking & PSU Debt Fund - Direct Plan - IDCW Option is a Banking and PSU Fund fund. SIP suitability depends on your investment goal and risk profile.
You can start a SIP in ITI Banking & PSU Debt Fund - Direct Plan - IDCW Option with as little as ₹500 per month through most mutual fund platforms. The minimum lump sum investment is typically ₹1,000.
The Assets Under Management (AUM) of ITI Banking & PSU Debt Fund - Direct Plan - IDCW Option is ₹8,823 crore. AUM indicates the total market value of assets managed by the fund.
* Past performance is not indicative of future results. Mutual fund investments are subject to market risks.
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