AMFI Registered MFD · ARN-130934 · Mutual fund investments are subject to market risks. CA Amit Kumar Jain · +91 93522 44475 Poornima Jain · +91 92525 44475 support@plenitude.co.in हिंदी

ICICI Prudential Banking and PSU Debt Fund - Regular Plan - Growth

Banking & PSU Funds invest at least 80% in debt of banks, public sector undertakings and public financial institutions.

AMC websiteNAV history (AMFI)हिंदी में

ICICI Prudential Mutual FundBanking & PSU FundsRegular · Growth
NAV · 16 Oct 2026₹34.7565▲ 0.03% (1 day)
ICICI Prudential Banking and PSU Debt Fund is no longer active (last NAV ₹15.8889 on 24-Apr-2020). It appears to have been merged into or replaced by the scheme below, the closest active scheme from ICICI Prudential Mutual Fund. Please check your account statement to confirm where your units went.
  • Current NAV₹34.7565
  • Fund Size (AUM)—
  • Expense Ratio—
  • 1Y Return+4.04%
  • 3Y Return (CAGR)+6.64%
  • 5Y Return (CAGR)+6.14%
  • Category Rank (3Y)—
  • Riskometer—
  • Min. SIP / Lump sum—
More figures (11)
  • Since Launch (CAGR)+7.70%
  • Benchmark—
  • Volatility (3Y)1.06 %
  • Sharpe Ratio (3Y)0.13
  • Beta (3Y)—
  • 52-week High / Low₹34.9536 / ₹33.4060
  • Max Drawdown-2.9 %
  • Launched4 Jan 2010
  • Lock-in—
  • Portfolio Turnover—
  • Fund Managers—

Performance chart

Past performance may or may not be sustained in future.

Quick take

  • Over 5 years it returned 6.1% a year.
  • Volatility over 3 years was 1.1% a year, with a Sharpe ratio of 0.13.
  • Its biggest fall from a peak was 2.9% (6 Mar 2020 to 23 Mar 2020).
  • Across all 3-year periods since launch, yearly returns ranged from 5.2% to 11.4% and were positive 100% of the time.

Pros

  • Every 3-year period since launch gave a positive return (lowest 5.2% a year).
  • Long track record of 16.8 years since 4 Jan 2010.

Cons

No standout weaknesses in its record so far.

Pros and cons are generated automatically from the scheme's published figures. They are observations about past data, not a recommendation to invest, switch or redeem.

AI analysis

Plenitude AI reads the figures on this page and explains them in plain language.

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Returns vs benchmark and category

Returns (%)1W1M3M6MYTD1Y2Y3Y5Y7Y10YSince launch
This fund-0.27%-0.27%+0.09%+1.92%+2.99%+4.04%+6.05%+6.64%+6.14%+6.53%+6.68%+7.70%

Point-to-point NAV returns as on 16 Oct 2026; over 1 year, yearly compounded (CAGR). Category: Regular Growth plans in Banking & PSU Funds. Q1 = top quarter by return over that period.

Calendar-year returns

Year2026 YTD2025202420232022202120202019201820172016
This fund+2.99%+7.63%+7.90%+7.32%+4.27%+4.22%+9.29%+10.10%+5.72%+5.62%+12.62%

January to December each year; the current year is to date.

Month-by-month returns (%)

YearJanFebMarAprMayJunJulAugSepOctNovDecYear
20260.00.7-0.50.60.22.00.10.10.1-0.3
20250.60.41.21.31.00.10.6-0.10.60.70.60.37.6
20240.60.80.70.30.80.50.90.60.60.70.60.67.9
20230.40.50.90.80.70.50.70.70.50.40.60.67.3
2022-0.10.40.40.1-0.10.10.70.90.50.50.60.44.3
20210.1-0.30.40.70.40.40.40.70.70.10.6-0.14.2
20200.61.2-0.20.12.31.11.3-0.40.51.30.80.49.3
20190.60.41.50.31.50.61.70.40.21.10.90.510.1
20180.30.31.4-0.50.10.60.90.50.10.51.00.75.7
20171.0-0.81.00.21.11.40.90.60.00.20.1-0.35.6

Change in NAV from the last business day of one month to the last business day of the next. Positive in 106 of 118 months shown (90%). "Year" is shown for complete calendar years.

Risk and consistency

Risk measure3 years5 years
Volatility (standard deviation) ?1.06%1.04%
Sharpe ratio ?0.13-0.35
Sortino ratio ?0.19-0.47
Maximum drawdown-0.67%-0.79%

Rolling 3-year returns (yearly)

Lowest+5.18%
Median+7.98%
Highest+11.35%
Positive100% of periods
Above 12% a year0% of periods

Rolling 5-year returns (yearly)

Lowest+6.09%
Median+8.35%
Highest+10.33%
Positive100% of periods
Above 12% a year0% of periods

Every 3- and 5-year period since launch, checked weekly. It shows how consistent returns were, whenever someone invested.

SIP returns: ₹10,000 every month

SIP forInvestedValue todayGainXIRR
1Y₹1,20,000₹1,22,322₹2,322+3.59%
3Y₹3,60,000₹3,93,209₹33,209+5.81%
5Y₹6,00,000₹7,04,167₹1,04,167+6.34%
10Y₹12,00,000₹16,77,579₹4,77,579+6.52%

A ₹10,000 instalment on the same date every month, valued at the latest NAV. XIRR is the yearly return on those dated instalments. Try the SIP calculator.

What your investment would be worth

Worked out from the scheme's weekly NAVs (instalments on the first NAV of each month), so it can differ slightly from your statement. Past performance may or may not be sustained in future. Plan a future SIP.

Compare with all Banking & PSU Funds (20)

S.No.Scheme (Regular plans, Growth)6M %1Y %3Y % CAGR5Y % CAGRExpense ratio %Fund size ₹ Cr
1.Aditya Birla Sun Life Banking & PSU Debt FundAditya Birla Sun Life Mutual Fund——————
2.Axis Banking and PSU Debt FundAxis Mutual Fund——————
3.Bajaj Finserv Banking and PSU Debt FundBajaj Finserv Mutual Fund——————
4.Bandhan Banking and PSU Debt FundBandhan Mutual Fund——————
5.Canara Robeco Banking and PSU Debt FundCanara Robeco Mutual Fund——————
6.DSP Banking and PSU Debt FundDSP Mutual Fund——————
7.Edelweiss Banking and PSU Debt FundEdelweiss Mutual Fund——————
8.Franklin India Banking & PSU Debt FundFranklin Templeton Mutual Fund——————
9.HDFC Banking and PSU Debt FundHDFC Mutual Fund——————
10.HSBC Banking and PSU Debt FundHSBC Mutual Fund——————
11.ICICI Prudential Banking and PSU Debt FundICICI Prudential Mutual Fund——————
12.Invesco India Banking and PSU Debt FundInvesco Mutual Fund——————
13.ITI Banking & PSU Debt FundITI Mutual Fund——————
14.Kotak Banking and PSU Debt FundKotak Mahindra Mutual Fund——————
15.LIC MF Banking & PSU Debt FundLIC Mutual Fund——————
16.Mirae Asset Banking and PSU Debt FundMirae Asset Mutual Fund——————
17.Nippon India Banking and PSU Debt FundNippon India Mutual Fund——————
18.SBI BANKING & PSU DEBT FUNDSBI Mutual Fund——————
19.Sundaram Banking and PSU Debt Fund (Formerly Known as Sundaram Banking and PSU Fund)Sundaram Mutual Fund——————
20.UTI Banking & PSU Debt FundUTI Mutual Fund——————
Median: 20 schemes——————

Detailed comparison with another fund About Banking & PSU Funds

Sorted by 3-year return; tap a heading to sort. Expense ratio and fund size are from published scheme data ("—" = not available yet). Sorting by past returns is a way to explore data, not a ranking of which fund to choose.

Scheme details

Fund house
ICICI Prudential Mutual Fund
Category
Banking & PSU Funds · Debt
Plan / option
Regular · Growth
AMFI scheme code
112342
ISIN
INF109K01RT3
Exit load & portfolio
See the scheme's KIM and monthly factsheet on the fund house website.

About Banking & PSU Funds

Banking & PSU Funds invest at least 80% in debt of banks, public sector undertakings and public financial institutions.

Generally used by investors wanting relatively high-quality debt over 2–3+ years.

Other plans of this scheme

Tax on your gains

Likely tax treatment: Debt-oriented fund ("specified mutual fund")

  • Units bought on or after 1 April 2023: gains are added to your income and taxed at your slab rate, however long you hold them.
  • No long-term rate or indexation benefit for these units.
  • Dividends (IDCW option) are added to your income and taxed at your slab rate; the fund deducts 10% TDS when they exceed ₹10,000 in a year.
  • Switching from one scheme or plan to another counts as selling and buying.
  • Surcharge and 4% health and education cess apply on top of these rates.
Fund typeShort-termLong-term
Equity-oriented20% (up to 12 months)12.5% above ₹1.25 lakh
Debt-oriented (bought from Apr 2023)Slab rateSlab rate
Gold, international, other hybridSlab rate12.5% (after 12 or 24 months)

Exit load, if any, is set out in the scheme's KIM. Tax rules change from time to time and depend on your situation; please confirm with your tax adviser. This is general information, not tax advice.

Latest news: ICICI Prudential Mutual Fund

Headlines from Google News about this fund house and its schemes over the last 30 days. Lists of "best funds" and buy or sell calls are left out. Links open the publisher's site.

Questions about this scheme

What is the NAV of ICICI Prudential Banking and PSU Debt Fund today?
The latest NAV of ICICI Prudential Banking and PSU Debt Fund - Regular Plan - Growth is ₹34.7565 as on 16 Oct 2026, as published by AMFI. NAVs are updated every business day evening.
What returns has ICICI Prudential Banking and PSU Debt Fund given?
As on 16 Oct 2026: 1 year +4.04%, 3 years +6.64% a year, 5 years +6.14% a year. Past returns may or may not be sustained in future.
What is the expense ratio of ICICI Prudential Banking and PSU Debt Fund?
See the scheme's latest factsheet on the fund house website for its expense ratio.
How risky is this fund?
Over 3 years its volatility was 1.1% a year and its biggest fall from a peak was 0.7%. Mutual fund investments are subject to market risks.
What is the difference between Direct and Regular plans?
Both plans hold the same portfolio. A Direct plan is bought straight from the fund house and has a lower expense ratio. A Regular plan is bought through a distributor, who is paid a commission from the expense ratio, so its NAV grows slightly slower.
What are Banking & PSU Funds?
Banking & PSU Funds invest at least 80% in debt of banks, public sector undertakings and public financial institutions.
How are gains from ICICI Prudential Banking and PSU Debt Fund taxed?
It is taxed as a debt-oriented fund: for units bought on or after 1 April 2023, gains are taxed at your income-tax slab rate however long you hold them.
Important. NAVs are from AMFI and mfapi.in; benchmark closes from Yahoo Finance; expense ratio, fund size and managers from published scheme data (Kuvera). Figures may be delayed; confirm with the fund house before transacting. Ranks and quartiles are positions by past return and are not a rating or recommendation. Mutual fund investments are subject to market risks; read all scheme-related documents carefully before investing. Plenitude Connect Private Limited is an AMFI-registered Mutual Fund Distributor (ARN-130934) and earns commission from fund houses on Regular plans (see Disclosures).
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