ICICI Prudential Banking and PSU Debt Fund - Direct Plan - Growth
Benchmark: NIFTY Banking & PSU Debt Index A-II · Riskometer: Moderate
ICICI Prudential Banking and PSU Debt Fund is a Banking and PSU mutual fund managed by ICICI Prudential Asset Management Company Limited, benchmarked against NIFTY Banking & PSU Debt Index A-II. Riskometer: Moderate.
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Debt Portfolio Metrics
Min. 80% in banks / PSUs / public financial institutions.
LEARN: Growth of ₹100 · NAV · CAGR
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ICICI Prudential Banking and PSU Debt Fund - growth of ₹100
Growth of ₹100 invested on 2025-11-02, not raw NAV - the standard way to compare fund performance regardless of NAV level. Daily resolution for the last 90 days, weekly up to 2 years, monthly beyond that.
NAV History - Last 30 Days(exact daily NAV)
| Date | NAV (₹) | 1D Change |
|---|---|---|
| 2026-10-28 | 36.2782 | +0.0005 (+0%) |
| 2026-10-27 | 36.2777 | -0.0034 (+0%) |
| 2026-10-26 | 36.2811 | +0.0165 (+0%) |
| 2026-10-25 | 36.2646 | +0 (+0%) |
| 2026-10-23 | 36.2646 | -0.022 (-0.1%) |
| 2026-10-22 | 36.2866 | -0.0512 (-0.1%) |
| 2026-10-21 | 36.3378 | -0.0567 (-0.2%) |
| 2026-10-20 | 36.3945 | +0 (+0%) |
| 2026-10-19 | 36.3945 | +0.0048 (+0%) |
| 2026-10-18 | 36.3897 | +0 (+0%) |
| 2026-10-16 | 36.3897 | +0.011 (+0%) |
| 2026-10-15 | 36.3787 | +0.0001 (+0%) |
| 2026-10-14 | 36.3786 | -0.0514 (-0.1%) |
| 2026-10-13 | 36.43 | +0.0061 (+0%) |
| 2026-10-12 | 36.4239 | -0.0623 (-0.2%) |
| 2026-10-11 | 36.4862 | +0 (+0%) |
| 2026-10-09 | 36.4862 | +0.0033 (+0%) |
| 2026-10-08 | 36.4829 | -0.032 (-0.1%) |
| 2026-10-07 | 36.5149 | -0.0067 (+0%) |
| 2026-10-06 | 36.5216 | +0.0029 (+0%) |
| 2026-10-05 | 36.5187 | +0.0351 (+0.1%) |
| 2026-10-04 | 36.4836 | +0 (+0%) |
| 2026-10-01 | 36.4836 | -0.0144 (+0%) |
| 2026-09-30 | 36.498 | - |
Punji Fund Health Score - percentile-within-category. See methodology.
CATEGORY COMPARISON
ICICI Prudential Banking and PSU Debt Fund returns
Lumpsum returns: full range of outcomes across every overlapping window in the fund's history for each holding period, not one trailing number.
| Holding period | Min rolling CAGR | Median rolling CAGR | Max rolling CAGR |
|---|---|---|---|
| 1Y | +3.4% | +8% | +14.7% |
| 3Y | +5.6% | +8% | +11.6% |
Actual point-to-point CAGR for the single best and single worst overlapping window of each holding period in the fund's history - historical fact, not a forecast. Independent of the lumpsum/SIP toggle above - always CAGR-based.
| Holding period | Best window | Worst window | Beat benchmark |
|---|---|---|---|
| 1Y | +14.7% (2015-11-27 → 2016-11-26) | +3.4% (2021-06-13 → 2022-06-13) | 100% |
| 3Y | +11.6% (2013-11-25 → 2016-11-24) | +5.6% (2020-11-26 → 2023-11-26) | 90.91% |
ICICI Prudential Banking and PSU Debt Fund category rank vs peers
| Metric | Value | Rank | Category median |
|---|---|---|---|
| 3Y Rolling CAGR | 8.0% | #3 of 19 | 7.7% |
| Total Expense Ratio | 0.40% | #11 of 20 (lower is better) | 0.35% |
| AUM | ₹8,088 Cr | #4 of 20 | ₹2,855 Cr |
ICICI Prudential Banking and PSU Debt Fund risk metrics
Risk metrics aren't shown for debt funds. Their NAV starts near Rs 10 and compounds steadily, so CAGR, beta and drawdown measure the arithmetic rather than the manager.
ICICI Prudential Banking and PSU Debt Fund holdings
Portfolio as of 2026-09-30
Hold multiple funds? See our Portfolio Overlap Tool to see if they actually hold different stocks.
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Top sector holdings
Share of portfolio (% to NAV) in each of the top sectors.
TOP HOLDINGS
Funds similar to ICICI Prudential Banking and PSU Debt Fund
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ICICI Prudential Banking and PSU Debt Fund Punji analytics
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Asset Allocation
As of Sep-2026
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Credit Quality
As of Sep-2026
Portfolio analytics as of Sep-2026.
Frequently asked questions
How often has ICICI Prudential Banking and PSU Debt Fund beaten its benchmark over 3-year periods?
ICICI Prudential Banking and PSU Debt Fund beat its benchmark, NIFTY Banking & PSU Debt Index A-II, in 90.91% of all overlapping 3-year rolling windows in its history. This is different from simply having a positive return - it measures how often the fund's own 3-year CAGR exceeded the benchmark's 3-year CAGR over the exact same dates, which is a more direct read on the manager's stock selection than a single trailing alpha figure computed over one window.
What is ICICI Prudential Banking and PSU Debt Fund's 3-year rolling return, and how does it rank?
ICICI Prudential Banking and PSU Debt Fund's 3-year rolling CAGR (median across all rolling 3-year windows in the data) is 8.0%. That places it in the 89th percentile within its category, Banking and PSU Fund - meaning it has outperformed roughly 89% of peers in the same category over this window. The category median for this metric is 7.7%, so comparing ICICI Prudential Banking and PSU Debt Fund's figure against that median shows how much it has beaten (or trailed) a typical fund in this category. Rolling returns average performance across many overlapping windows rather than a single start/end date, which makes them a steadier read on consistency than a simple point-to-point return.
How risky is ICICI Prudential Banking and PSU Debt Fund?
ICICI Prudential Banking and PSU Debt Fund carries a "Moderate" risk rating on SEBI's mandated riskometer scale, the same standardized classification every Indian mutual fund must disclose. This rating reflects the fund's underlying portfolio composition and historical volatility, and is set independently of any single AMC's own marketing - it's meant to give investors a comparable, at-a-glance sense of how much the fund's value can swing before deciding whether it matches their own risk appetite and investment horizon. A higher-risk rating isn't inherently bad; it typically correlates with higher long-term return potential, but also with larger short-term drawdowns, so it should be read alongside the fund's category and your own time horizon rather than in isolation.
What is ICICI Prudential Banking and PSU Debt Fund's expense ratio?
ICICI Prudential Banking and PSU Debt Fund's direct-plan expense ratio is 0.4% per year - the annual fee the AMC deducts from the fund's assets to cover management and operating costs, already reflected in the NAV you see (it isn't billed separately). Direct plans skip the distributor commission built into Regular plans, which is why a direct-plan expense ratio is almost always lower than the same scheme's Regular-plan version. Over long holding periods, even a difference of a few basis points compounds into a meaningfully different final corpus, which is why expense ratio is one of the few fund attributes an investor can compare with total certainty before investing, unlike future returns.
How does ICICI Prudential Banking and PSU Debt Fund's expense ratio compare to its category?
ICICI Prudential Banking and PSU Debt Fund's expense ratio of 0.40% ranks #11 of 20 funds in the Banking and PSU Fund category (lower is better) - the category median is 0.35%. Expense ratio is deducted from the fund's assets every year regardless of performance, so a lower ratio is a real, certain cost advantage rather than a projection, unlike future returns.
How big is ICICI Prudential Banking and PSU Debt Fund, and how does that compare to its category?
ICICI Prudential Banking and PSU Debt Fund manages ₹8,088 Cr in assets, ranking #4 of 20 funds by size in the Banking and PSU Fund category - the category median is ₹2,855 Cr. A larger fund generally means deeper liquidity and lower per-unit fixed costs for the AMC to spread across investors, but in categories with a smaller investable universe (like small or mid cap), a very large fund can also face more difficulty entering and exiting positions without moving the price.
What's the best and worst 3-year holding period for ICICI Prudential Banking and PSU Debt Fund historically?
Looking at every overlapping 3-year window in ICICI Prudential Banking and PSU Debt Fund's history, the best-performing window ran from 2013-11-25 to 2016-11-24, delivering a 11.6% CAGR. The worst-performing window ran from 2020-11-26 to 2023-11-26, delivering a 5.6% CAGR. This is a historical record of actual past outcomes, not a prediction - it shows the real range of results an investor holding for exactly 3 years could have seen depending on entry timing, which is why rolling returns (median across all windows, shown above) are a more representative single number than either extreme.
How concentrated are ICICI Prudential Banking and PSU Debt Fund's top holdings?
ICICI Prudential Banking and PSU Debt Fund's single largest disclosed holding, NABARD, accounts for 4.6458% of NAV. Its top 5 holdings together make up 19.4% of the portfolio, and its top 10 disclosed holdings make up 31.8% - as of 2026-09-30. A higher concentration in the top few names means the fund's returns lean more heavily on those specific bets paying off, while a flatter spread means no single holding drives outcomes as much either way.
Who manages ICICI Prudential Banking and PSU Debt Fund, and what category does it belong to?
ICICI Prudential Banking and PSU Debt Fund is managed by ICICI Prudential Asset Management Company Limited and is classified under the Banking and PSU Fund category, the SEBI-defined scheme categorization that groups funds by their investment mandate (market-cap focus, sector, or asset mix) so investors can compare like-for-like funds rather than across unrelated strategies. The AMC (asset management company) is the regulated entity legally responsible for the fund's operations, portfolio decisions, and disclosures, though day-to-day investment calls are made by a designated fund manager within the mandate set by the scheme's category and stated objective.
Data as of 2026-10-29. Source: AMFI disclosures via Punji. Not investment advice.