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SBI Banking & PSU Fund - Regular Plan - Monthly Income Distribution cum Capital Withdrawal Option (IDCW)
★★★★★ monitor_heart Health Score: 67/100 · GoodSBI Mutual Fund · Debt · Banking and PSU Fund
₹1,228.66
AUM: ₹3,953 Cr
NAV updated about 1 month ago
Plan
Regular
Option
Idcw
Risk
Moderate
Expense Ratio
0.41%
Exit Load
Nil
Fund Manager
Rajiv Radhakrishnan
Inception
Jan 2013
Benchmark
Nifty Banking & PSU Debt Index A-II
Sharpe Ratio
-3.91
Std Dev (1Y)
1.79%
Historical Returns (CAGR)
Annualized trailing returns computed from NAV history — past performance only, not a guarantee of future results.
1m
+0.89%
3m
+1.35%
6m
+2.13%
1y
+4.75%
3y
+7.13%
5y
+6.03%
10y
+7.22%
since inception
+1.56%
rate_review TopFund's Take on SBI Banking & PSU Fund - Regular Plan - Monthly Income Distribution cum Capital Withdrawal Option (IDCW)
SBI Banking & PSU Fund - Regular Plan - Monthly Income Distribution cum Capital Withdrawal Option (IDCW) holds up reasonably well within the Banking and PSU Fund category, currently carrying a 3-star rating. TopFund's composite Health Score, which weighs rating, 3-year CAGR, expense ratio and fund size, puts it at 67/100.
Cost: At 0.41%, the expense ratio runs 17% above the Banking and PSU Fund category average of 0.35%. That gap is worth weighing against the fund's actual performance versus cheaper peers before committing to a long SIP.
Risk-adjusted performance: Over the trailing 1-year period, the fund shows a negative Sharpe ratio of -3.91 — 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 1.79% is on the lower side, 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.
donut_small Sector Allocation
pie_chart Asset Allocation
info Fund Snapshot
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Frequently Asked Questions about SBI Banking & PSU Fund - Regular Plan - Monthly Income Distribution cum Capital Withdrawal Option (IDCW)
The current NAV (Net Asset Value) of SBI Banking & PSU Fund - Regular Plan - Monthly Income Distribution cum Capital Withdrawal Option (IDCW) is ₹1228.66. NAV is updated every business day after market close by AMFI.
1Y: 4.75% · 3Y CAGR: 7.13% · 5Y CAGR: 6.03%
The expense ratio is 0.41% per annum — the annual fee deducted from your investment to cover fund management costs.
SBI Banking & PSU Fund - Regular Plan - Monthly Income Distribution cum Capital Withdrawal Option (IDCW) is managed by Rajiv Radhakrishnan at SBI Mutual Fund.
SBI Banking & PSU Fund - Regular Plan - Monthly Income Distribution cum Capital Withdrawal Option (IDCW) is a Moderate risk fund. Suitable for investors with a moderate risk appetite.
SBI Banking & PSU Fund - Regular Plan - Monthly Income Distribution cum Capital Withdrawal Option (IDCW) is a Banking and PSU Fund fund. SIP suitability depends on your investment goal and risk profile.
The Assets Under Management (AUM) of SBI Banking & PSU Fund - Regular Plan - Monthly Income Distribution cum Capital Withdrawal Option (IDCW) is ₹3,953 crore as of the latest data.
* Past performance is not indicative of future results. Mutual fund investments are subject to market risks.