Our Opinion
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Clear AllValue Research Rating
Our Opinion
Riskometer
Low to Moderate
₹13.8689 0.04%
As on 18-Mar-2026
As per SEBI's Riskometer.
Split between different types of investments
Split between categories of Equity investments
|
Fund name
|
Rating |
Our Opinion |
Risk
|
Return (%) |
|
Expense Ratio (%)
|
|---|---|---|---|---|---|---|
|
ITI Banking & PSU Debt Fund - Direct Plan
|
|
|
Low to Moderate
|
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0.15 |
|
|
|
Moderate
|
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0.34 |
||
|
|
Low to Moderate
|
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0.36 |
||
 |
|
Moderate
|
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0.39 |
||
|
|
Low to Moderate
|
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0.20 |
₹38 Cr
--
5,000
1,000
500
12
About ITI Banking & PSU Debt Fund - Direct Plan
ITI Banking & PSU Debt Fund - Direct Plan is a debt mutual fund scheme of ITI Mutual Fund. Launched on October 22, 2020, it is currently managed by Laukik Bagwe. The fund has an expense ratio of 0.15% with an overall AUM (Assets Under Management) of ₹38 Cr.
ITI Banking and PSU Fund - Direct Plan is mandated to invest at least 80 per cent of its assets in bonds issued by banks, public sector undertakings (PSUs) and public financial institutions. The fund allows minimum lumpsum investment of ₹1,000 and minimum SIP of ₹500.
Investment Strategy
The scheme seeks to generate income / capital appreciation through investments in debt and money market instruments consisting predominantly of securities issued by entities such as Scheduled Commercial Banks(SCBs), Public Sector undertakings(PSUs), Public Financial Institutions(PFIs) and Municipal Bonds.
Suitability
Banking and PSU funds are suitable for:
Note:
Capital Gains Taxation
Disclaimer: The tax information has been prepared on a best-effort basis using information available in the public domain and other sources that Value Research considers reliable. This is not meant as tax advice, and we advise you to consult your tax advisor before making any decision. Value Research takes no responsibility and assumes no liability for any loss or damage arising from any investment or redemption decision based on this information.
Dividend Taxation
1 min read•By News Desk
1 min read•By News Desk
Subscribers of Value Research Fund Advisor can conveniently invest in the low-cost direct plan of ITI Banking & PSU Debt Fund - Direct Plan through the Value Research Fund Advisor website.
Alternatively, mutual funds can also be purchased directly from the respective fund house’s website. For example, ITI Banking & PSU Debt Fund - Direct Plan can be bought from the ITI Mutual Fund website. In such a case, if you are investing in multiple funds from different fund houses, you will need to transact separately on each fund house’s website.
The third option is to invest offline, by seeking assistance from a mutual fund distributor. Most banks also act as mutual fund distributors, and you can approach your bank for help in completing your investment.
The latest declared NAV of ITI Banking & PSU Debt Fund - Direct Plan, is ₹13.8689 as of 19-Mar-2026.
| Company | Percentage of Portfolio |
|---|---|
|
Nuclear Power Corpn. Of India Ltd Debenture 8.14 25/03/2028 |
8.19
|
|
National Housing Bank NCD 7.59 08/09/2027 |
8.05
|
|
REC Ltd SR 230-A Bonds 7.71 26/02/2027 |
8.04
|
|
Indian Railway Finance Corporation Ltd Debenture 7.33 27/08/2027 |
8.03
|
|
Bank Of Baroda CD 11/03/2026 |
7.97
|
Over the past five years, ITI Banking & PSU Debt Fund - Direct Plan has delivered an annualised return of 6.54% as of 19-Mar-2026.
The minimum investment required to start investing in ITI Banking & PSU Debt Fund - Direct Plan is ₹5,000 for the lump sum option and ₹500 for the SIP (Systematic Investment Plan) option.
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