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SBI Banking and PSU Fund download report

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Debt: Banking and PSU

Analysts' Choiceunlock it

1 Lakh

Investment Grown to
₹ 1.02 Lakh

₹ 10000

Monthly SIP Grown to
₹ 1.21 Lakh

Suitability:

"Banking and PSU funds invest mainly in bonds issued by banks, public sector undertakings (PSUs) and public financial institutions. They are suitable for a short investment horizon of two to three years, or for the fixed-income allocation in your longer-term portfolio. You can expect to earn higher returns than what a bank fixed deposit can fetch.

The risk of incurring a loss in these funds is low, but they do not guarantee returns or safety of capital like a bank deposit.

Remember, their returns may not be substantially higher than inflation. They are meant to deliver steady, but low to moderate returns and are not suitable to build wealth in the long run."

Taxability of earnings:

Capital gains

  • If the mutual fund units are sold after 3 years from the date of investment, gains are taxed at the rate of 20% after providing the benefit of inflation indexation.
  • If the mutual fund units are sold within 3 years from the date of investment, entire amount of gain is added to the investors' income and taxed according to the applicable slab rate.
  • No tax is to be paid as long as you continue to hold the units.

Dividends

  • Dividends are added to the income of the investors and taxed according to their respective tax slabs. Further, if an investor's dividend income exceeds Rs. 5,000 in a financial year, the fund house also deducts a TDS of 10% before distributing the dividend.

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Annual Returns
Quarterly Returns
Monthly Returns
Weekly Returns

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(₹)
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Trailing Returns (%)

YTD 1-Day 1-W 1-M 3-M 6-M 1-Y 3-Y 5-Y 7-Y 10-Y
SBI Banking and PSU-G 0.31 0.07 0.16 0.35 -0.61 0.31 2.11 6.04 6.60 7.01 7.60
CCIL T Bill Liquidity Weight 0.91 0.05 0.07 0.27 0.34 0.91 1.99 2.70 3.31 3.68 4.25
Debt: Banking and PSU 0.49 0.07 0.19 0.32 -0.33 0.49 2.61 6.36 6.52 7.20 7.80
Rank within category 13 10 16 9 14 13 16 13 -- -- --
Number of funds in category 22 22 22 22 22 22 22 17 16 14 4

As on 01-Jul-2022

Peer Comparison

Fund name Rating Launch Date 1-Year Return 3-Year Return 5-Year Return Expense Ratio Assets (Cr)
SBI Banking and PSU Fund  | Invest Online
2 star
 Oct-09 2.11 6.04 6.60 0.82% 5,973
IDFC Banking & PSU Debt Fund - Regular Plan  | Invest Online
4 star
 Mar-13 2.93 6.96 7.22 0.62% 16,607
Axis Banking & PSU Debt Fund
5 star
 Jun-12 3.24 6.58 7.11 0.62% 14,588
Aditya Birla Sun Life Banking & PSU Debt Fund - Regular Plan  | Invest Online
4 star
 Apr-08 3.02 6.69 6.79 0.69% 12,046
ICICI Prudential Banking & PSU Debt Fund  | Invest Now
4 star
 Jan-10 3.15 6.37 6.30 0.80% 10,344

Best & Worst Performance

Best Performance Worst Performance
Return (%) Period Return (%) Period
Week 2.93 24-Mar-2020 - 31-Mar-2020 -2.23 12-Mar-2020 - 19-Mar-2020
Month 3.97 24-Mar-2020 - 23-Apr-2020 -2.72 20-Feb-2020 - 23-Mar-2020
Quarter 6.71 24-Mar-2020 - 24-Jun-2020 -1.03 16-Dec-2020 - 17-Mar-2021
Year 11.82 01-Jul-2019 - 30-Jun-2020 1.44 14-Jun-2021 - 14-Jun-2022

Risk Measures (%)

Mean Std Dev Sharpe Sortino Beta Alpha
SBI Banking and PSU-G 6.00 2.31 1.08 1.93 2.83 4.80
CCIL T Bill Liquidity Weight 2.69 0.37 -2.20 -4.41 -- --
Debt: Banking and PSU* 6.19 2.35 1.20 2.50 2.53 4.83
Rank within category* 13 13 13 14 11 8
Number of funds in category* 17 17 17 17 17 17

The Risk Measures have been calculated using calendar month returns for the last three years.

As on 31-May-2022

* As on 30-Jun-2022

Portfolio Aggregates

Fund 1Y High 1Y Low Category
Number of Securities 61 98 61 67
Modified Duration (yrs) 1.30 2.18 1.30 1.66
Average Maturity (yrs) 1.64 2.67 1.64 2.28
Yield to Maturity (%) 6.26 6.26 4.61 6.26
Avg Credit Rating AAA -- -- --

Value Research Fund Style

Credit Rating vis-à-vis Category

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Top Holdings

Company Instrument Credit Rating 1Y Range % Assets
equal 6.99% Air India Assets Holdings 16/12/2022 Debenture AAA 2.38 - 5.89 5.89
equal 4.50% Oil & Natural Gas Corporation 2024 Debenture AAA 4.02 - 7.45 4.12
equal 5.35% National Housing Bank 2024 Debenture AAA 2.67 - 4.43 3.52
new IDFC First Bank 18/08/2022 Certificate of Deposit A1+ 0.00 - 3.31 3.31
new Reserve Bank of India 182-D 03/11/2022 Treasury Bills SOV 0.00 - 3.27 3.27
down 8.25% Indian Railway Finance Corporation 28/02/2024 Debenture AAA 2.67 - 4.26 2.92
equal 6.55% NTPC 17/04/2023 Debenture AAA 0.70 - 2.85 2.85
equal 8.40% GOI 28/07/2024 Central Government Loan SOV 0.00 - 2.60 2.60
equal 8.85% Axis Bank 2024 Debenture AAA 1.17 - 2.60 2.60
equal 6.44% Indian Oil Corporation 14/04/2023 Debenture AAA 0.37 - 2.51 2.51
equal 5.04% Indian Railway Finance Corporation 2023 Debenture AAA 0.36 - 2.48 2.48
equal Axis Bank 2022 Certificate of Deposit A1+ 0.00 - 2.64 2.45
new SIDBI 278-D 27/02/2023 Commercial Paper A1+ 0.00 - 2.40 2.40
equal 5.32% National Housing Bank 2023 Non Convertible Debenture AAA 1.43 - 2.23 2.23
equal Hindustan Petroleum Corporation 14/08/2024 Debenture AAA 0.92 - 2.10 2.10
equal 7.12% REC 31/03/2023 Non Convertible Debenture AAA 0.88 - 2.02 2.02
equal 5.47% Power Finance Corporation 19/08/2023 Debenture AAA 0.00 - 1.99 1.99
equal 6.80% Hindustan Petroleum Corporation 15/12/2022 Debenture AAA 0.84 - 1.93 1.93
equal 6.18% GOI 2024 GOI Securities SOV 1.22 - 4.03 1.91
equal 9.15% GOI 14/11/2024 Central Government Loan SOV 0.00 - 1.76 1.76
equal 6.72% National Bank Agr. Rur. Devp 14/04/2023 Bonds/NCDs AAA 0.77 - 1.76 1.76
equal 6.59% Indian Railway Finance Corporation 14/04/2023 Debenture AAA 0.75 - 1.72 1.72
equal 7.99% State Bank of India Additional Tier 2 Bond AAA 0.75 - 1.71 1.71
equal 8.45% Power Finance Corporation 2022 Non Convertible Debenture AAA 0.74 - 1.68 1.68
equal Housing & Urban Development Corporation 13/10/2022 Debenture AAA 0.73 - 1.68 1.68

up down equal Indicates an increase or decrease or no change in holding since last portfolio
new Indicates a new holding since last portfolio

As on 31-May-2022

Invest Online
0.07%

Change from previous, NAV as on 01-Jul-2022

Growth: ₹ 2,532.8342

IDCW Weekly: ₹ 1,155.3073

More

IDCW Monthly: ₹ 1,084.1671

IDCW Daily: ₹ 1,155.5233

Investment Strategy

The scheme seeks to generate regular income through a judicious mix of portfolio comprising predominantly debt and money market securities of Banks, Public Sector Undertakings, Public Financial Institutions and Municipal bodies.

Investment Details

Min. Investment (₹) 5,000
Min. Addl Investment (₹) 1,000
Min. SIP Investment (₹) 500
Min. No of Cheques 12
Min. Withdrawal (₹) 5,000
Min. Balance (₹) 1,000
Lock-in Period Not Applicable
Exit Load 0

Basic Details

Fund House: SBI Mutual Fund
Launch Date: 09-Oct-2009
Return Since Launch: 7.57%
Benchmark: NIFTY Banking and PSU Debt Index
Riskometer: Low to Moderate
Type: Open-ended
Assets: ₹ 5,973 Cr (As on 31-May-2022)
Expense: 0.82% (As on 31-May-2022)
Risk Grade: Above Average
Return Grade: Below Average

Most Recent Dividends

Plan Record Date Dividend (₹ / Unit)  
IDCW Monthly22-Feb-202250.0000

 10-Mar-202139.2600
 10-Feb-20215.0000
 08-Jan-20215.0000
 08-Dec-20205.0000
 10-Nov-20205.0000
 08-Oct-20205.0000
 09-Sep-202010.0000
 03-Jul-202020.0000
 28-Feb-20203.6016
 31-Jan-20203.6016
 27-Dec-20193.6016
 29-Nov-20193.6016
 25-Oct-20193.6016
 27-Sep-20193.6016
 30-Aug-20193.6016
 26-Jul-20193.6016
 28-Jun-20193.6016
 31-May-20193.6016
 30-Apr-20193.6016
 29-Mar-20193.6016
 28-Feb-20193.6016
 31-Jan-20193.6016
 28-Dec-20183.6016
 30-Nov-20183.6016
IDCW Daily30-Mar-20200.2874

 27-Mar-20200.3617
 26-Mar-20200.5918
 13-Mar-20200.5430
 12-Mar-20200.1338
 11-Mar-20200.1337
 09-Mar-20200.3075
 06-Mar-20200.4253
 05-Mar-20200.1625
 04-Mar-20200.4672
 03-Mar-20200.2848
 02-Mar-20200.2446
 28-Feb-20200.4974
 27-Feb-20200.1441
 26-Feb-20200.1567
 25-Feb-20200.1340
 24-Feb-20200.1325
 20-Feb-20200.6259
 18-Feb-20200.2649
 17-Feb-20200.1326
 14-Feb-20200.3911
 13-Feb-20200.1496
 12-Feb-20200.1359
 11-Feb-20200.1360
 10-Feb-20200.1379
IDCW Weekly27-Mar-20200.9524

 13-Mar-20201.0773
 06-Mar-20201.5835
 28-Feb-20201.1071
 20-Feb-20201.0384
 14-Feb-20200.9496
 07-Feb-20200.9424
 31-Jan-20200.9161
 24-Jan-20201.2208
 17-Jan-20200.9190
 10-Jan-20200.9176
 03-Jan-20200.9883
 27-Dec-20191.1892
 20-Dec-20190.9812
 13-Dec-20191.6047
 06-Dec-20191.4305
 29-Nov-20190.9507
 22-Nov-20191.0351
 15-Nov-20191.0088
 08-Nov-20190.9688
 01-Nov-20190.8058
 25-Oct-20190.9570
 18-Oct-20191.0827
 11-Oct-20190.9511
 04-Oct-20190.9597

Contact Information

AMC: SBI Funds Management Ltd

Address: 9th Floor-Crescenzo, C-38 & 39- G Block, Bandra-Kurla Complex, Bandra (East) Mumbai - 400051

Phone: 022-61793000 / 1800-425-5425

Fax: 022-22189663

Website: http://www.sbimf.com

Registrar & Transfer Agent: Computer Age Management Services Ltd.

Address: 7th Floor, Tower II, Rayala Towers, 158, Anna Salai, Chennai - 600002

Phone: 1800-3010-6767 / 1800-419-7676

Fax: 044-30407101

Email: [email protected]

Website: www.camsonline.com

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