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Banking and PSU Funds Compared

Every banking and psu mutual fund's 1, 3 and 5-year return, SIP return and record against the Nifty 50, ranked by a stated measure, from AMFI NAVs.

In short · Updated 30 Oct 2026

As of 30 Sep 2026, there are 20 banking and psu funds with at least 3 years of NAVs. Over 5 years their direct plans returned a median 6.2% a year. The highest 5-year return was UTI Banking & PSU Debt Fund at 7.8% a year.

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All banking and psu funds, ranked by 5-year return

#Fund1y3y5y10y5y regular5y SIP XIRRExpense ratio (direct)
1UTI Banking & PSU Debt Fund6.1%7.5%7.8%6.5%7.5%7.4%0.24%
2ICICI Prudential Banking and PSU Debt Fund5.4%7.2%6.6%7.2%6.2%6.9%0.40%
3Franklin India Banking & PSU Debt Fund6.1%7.5%6.4%7.2%6.1%7.1%0.23%
4Kotak Banking and PSU Debt Fund5.3%7.3%6.4%7.3%6.0%6.8%0.40%
5ITI Banking & PSU Debt Fund4.9%7.0%6.3%—5.7%6.6%0.23%
6LIC MF Banking & PSU Debt Fund5.2%7.3%6.3%7.0%5.7%6.8%0.28%
7Bandhan Banking and PSU Debt Fund5.7%7.1%6.3%7.2%5.9%6.8%0.39%
8Nippon India Banking and PSU Debt Fund4.9%7.1%6.2%7.2%5.8%6.6%0.39%
9HDFC Banking and PSU Debt Fund4.8%7.0%6.2%7.1%5.8%6.6%0.35%
10Aditya Birla Sun Life Banking & PSU Debt Fund4.7%7.0%6.2%7.1%5.8%6.5%0.41%
11Axis Banking and PSU Debt Fund4.9%6.9%6.1%7.1%5.8%6.5%0.36%
12SBI Banking & PSU Debt Fund5.1%7.1%6.1%7.1%5.7%6.7%0.41%
13Sundaram Banking and PSU Debt Fund (Formerly Known as Sundaram Banking and PSU Fund)4.9%7.0%6.0%6.5%5.8%6.5%0.27%
14Edelweiss Banking and PSU Debt Fund4.8%7.1%6.0%—5.7%6.6%0.40%
15DSP Banking and PSU Debt Fund4.1%6.8%6.0%6.9%5.7%6.3%0.34%
16Mirae Asset Banking and PSU Debt Fund4.5%6.8%5.9%—5.4%6.4%0.37%
17Invesco India Banking and PSU Debt Fund4.9%7.1%5.6%6.6%5.2%6.5%0.26%
—Bajaj Finserv Banking and PSU Debt Fund4.8%—————0.35%
—Canara Robeco Banking and PSU Debt Fund4.5%6.5%————0.42%
—HSBC Banking and PSU Debt Fund4.8%6.9%————0.28%

Direct plans, Growth option, to 30 Sep 2026. Funds that closed or merged are not in AMFI's current list, so the category looks a little better than investors actually did (survivorship). Returns are yearly (CAGR) from AMFI month-end NAVs of the Growth option. An index's return is measured through a low-cost index fund's direct plan, so it is a little below the index itself. Past returns do not tell you what a fund will do next, and this is not a recommendation to buy or sell any fund. Other categories: all mutual fund categories.

Key takeaways

Frequently asked questions

Which banking and psu fund has given the highest returns?

Over the 5 years to 30 Sep 2026, UTI Banking & PSU Debt Fund (direct plan) at 7.8% a year. Past returns do not predict future ones.

What is the average return of banking and psu funds?

The median direct plan returned 6.2% a year over 5 years to 30 Sep 2026.

Check any fund against its index →

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