Invesco India Banking and PSU Debt Fund - Direct Plan - Monthly IDCW
To generate returns by investing primarily in debt & Money Market Instruments issued by banks, Public Financial Institutions (PFIs), Public Sector Undertakings (PSUs) and Municipal Bonds.
- Current NAV₹1,007.67
- Fund Size (AUM)₹ 80 Cr.
- Expense Ratio0.26 %
- 1Y Return-0.81%
- 3Y Return (CAGR)-0.07%
- 5Y Return (CAGR)0.00%
- Category Rank (3Y)—
- RiskometerModerate Risk
- Min. SIP / Lump sum₹ 1,000 / ₹ 1,000
More figures (11)
- Since Launch (CAGR)+0.03%
- Benchmark—
- Volatility (3Y)2.80 %
- Sharpe Ratio (3Y)-2.35
- Beta (3Y)—
- 52-week High / Low₹1,029.74 / ₹1,001.85
- Max Drawdown-5.8 %
- Launched1 Jan 2013
- Lock-inNone
- Portfolio Turnover—
- Fund ManagersKrishna Cheemalapati, Vikas Garg
Performance chart
Past performance may or may not be sustained in future.
Quick take
- Over 5 years it returned 0.0% a year.
- Volatility over 3 years was 2.8% a year, with a Sharpe ratio of -2.35.
- Its biggest fall from a peak was 5.8% (27 May 2013 to 23 Mar 2020).
- Across all 3-year periods since launch, yearly returns ranged from -1.2% to 1.5% and were positive 43% of the time.
- Expense ratio 0.26%, fund size ₹80 crore.
Pros
AI- Expense ratio of 0.26% is below the category median of 0.35%.
- Long track record of 13.8 years since 2 Jan 2013.
Cons
AI- Returns were negative in 57% of all 3-year periods since launch.
- Small fund size of ₹80 crore.
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
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Book a free consultation Compare with other fundsReturns vs benchmark and category
| Returns (%) | 1W | 1M | 3M | 6M | YTD | 1Y | 2Y | 3Y | 5Y | 7Y | 10Y | Since launch |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| This fund | -0.25% | -0.36% | -0.40% | -0.44% | -0.26% | -0.81% | -0.34% | -0.07% | 0.00% | -0.14% | -0.08% | +0.03% |
Point-to-point NAV returns as on 16 Oct 2026; over 1 year, yearly compounded (CAGR). Category: Direct Growth plans in Banking & PSU Funds. Q1 = top quarter by return over that period.
Calendar-year returns
| Year | 2026 YTD | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| This fund | -0.26% | -0.05% | -0.04% | +0.07% | +0.02% | +0.05% | -0.06% | -0.03% | +0.03% | +0.06% | -0.06% |
January to December each year; the current year is to date.
Month-by-month returns (%)
| Year | Jan | Feb | Mar | Apr | May | Jun | Jul | Aug | Sep | Oct | Nov | Dec | Year |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 2026 | 0.0 | 0.0 | -0.6 | 0.4 | 0.2 | 0.1 | -0.1 | 0.0 | 0.0 | -0.3 | |||
| 2025 | -0.1 | -0.1 | 0.3 | -0.3 | 0.0 | -0.2 | 0.2 | -0.1 | 0.1 | 0.1 | -0.1 | 0.0 | -0.1 |
| 2024 | -0.1 | 0.0 | 0.1 | -0.2 | 0.0 | 0.0 | -0.1 | 0.0 | 0.1 | -0.1 | 0.2 | -0.1 | 0.0 |
| 2023 | 0.0 | 0.0 | 0.1 | -0.1 | 0.0 | -0.1 | 0.1 | 0.0 | 0.4 | -0.4 | -0.1 | 0.2 | 0.1 |
| 2022 | -0.6 | 0.6 | 0.2 | -1.1 | -1.3 | 0.2 | 0.7 | 0.7 | -0.1 | 0.4 | 0.4 | 0.0 | 0.0 |
| 2021 | 0.1 | -2.6 | 2.2 | 0.5 | -0.2 | 0.0 | 0.0 | 0.0 | 0.0 | -0.3 | 0.3 | -0.1 | 0.1 |
| 2020 | 0.0 | -0.1 | 0.5 | -0.3 | -0.1 | 0.1 | 0.2 | -0.9 | -0.1 | 0.8 | 0.0 | 0.0 | -0.1 |
| 2019 | 0.0 | 0.0 | 0.1 | -0.1 | 0.1 | -0.1 | 0.1 | -0.1 | 0.2 | 0.0 | -0.1 | 0.0 | 0.0 |
| 2018 | 0.0 | 0.0 | 0.0 | 0.0 | -0.1 | 0.1 | 0.0 | 0.0 | 0.1 | -0.1 | 0.1 | 0.0 | 0.0 |
| 2017 | 0.1 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | -0.1 | 0.0 | 0.1 | 0.1 |
Change in NAV from the last business day of one month to the last business day of the next. Positive in 60 of 118 months shown (51%). "Year" is shown for complete calendar years.
Risk and consistency
| Risk measure | 3 years | 5 years |
|---|---|---|
| Volatility (standard deviation) ? | 2.80% | 2.64% |
| Sharpe ratio ? | -2.35 | -2.46 |
| Sortino ratio ? | -2.44 | -2.57 |
| Maximum drawdown | -2.56% | -3.25% |
Rolling 3-year returns (yearly)
Rolling 5-year returns (yearly)
Every 3- and 5-year period since launch, checked weekly. It shows how consistent returns were, whenever someone invested.
How it handled market falls
Biggest falls in this fund's NAV
| Peak | Bottom | Fall | Back to the peak on | Time to recover |
|---|---|---|---|---|
| 27 May 2013 | 23 Mar 2020 | -5.8% | 14 May 2020 | 52 days |
| 22 May 2020 | 6 May 2022 | -5.4% | Not yet | — |
Falls of 5% or more from a previous high, deepest first. Time to recover runs from the bottom to the day the NAV regained its old high.
SIP returns: ₹10,000 every month
| SIP for | Invested | Value today | Gain | XIRR |
|---|---|---|---|---|
| 1Y | ₹1,20,000 | ₹1,19,368 | ₹-632 | -0.97% |
| 3Y | ₹3,60,000 | ₹3,57,917 | ₹-2,083 | -0.38% |
| 5Y | ₹6,00,000 | ₹5,98,036 | ₹-1,964 | -0.13% |
| 10Y | ₹12,00,000 | ₹11,95,220 | ₹-4,780 | -0.08% |
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 (Direct plans, Growth) | NAV ₹ | 1M % | 6M % | 1Y % | 3Y % CAGR | 5Y % CAGR | Expense ratio % | Fund size ₹ Cr | Riskometer |
|---|---|---|---|---|---|---|---|---|---|---|
| 1. | Aditya Birla Sun Life Banking & PSU Debt FundAditya Birla Sun Life Mutual Fund | ₹403.3093 | — | — | — | — | — | 0.41 | 8,439 | Moderate Risk |
| 2. | Axis Banking and PSU Debt FundAxis Mutual Fund | ₹2,891.84 | — | — | — | — | — | 0.36 | 11,962 | Moderate Risk |
| 3. | Bajaj Finserv Banking and PSU Debt FundBajaj Finserv Mutual Fund | ₹12.2329 | — | — | — | — | — | 0.35 | 315 | Low to Moderate Risk |
| 4. | Bandhan Banking and PSU Debt FundBandhan Mutual Fund | ₹27.1508 | — | — | — | — | — | 0.36 | 11,893 | Moderate Risk |
| 5. | Canara Robeco Banking and PSU Debt FundCanara Robeco Mutual Fund | ₹12.8492 | — | — | — | — | — | 0.39 | 164 | Low to Moderate Risk |
| 6. | DSP Banking and PSU Debt FundDSP Mutual Fund | ₹26.2041 | — | — | — | — | — | 0.33 | 2,590 | Low Risk |
| 7. | Edelweiss Banking and PSU Debt FundEdelweiss Mutual Fund | ₹27.1180 | — | — | — | — | — | 0.40 | 3,137 | Moderate Risk |
| 8. | Franklin India Banking & PSU Debt FundFranklin Templeton Mutual Fund | ₹25.3120 | — | — | — | — | — | 0.23 | 565 | Moderate Risk |
| 9. | HDFC Banking and PSU Debt FundHDFC Mutual Fund | ₹25.3889 | — | — | — | — | — | 0.35 | 5,055 | Moderate Risk |
| 10. | HSBC Banking and PSU Debt FundHSBC Mutual Fund | ₹27.1593 | — | — | — | — | — | 0.28 | 3,722 | Moderate Risk |
| 11. | ICICI Prudential Banking and PSU Debt FundICICI Prudential Mutual Fund | ₹36.3897 | — | — | — | — | — | 0.40 | 8,041 | Moderate Risk |
| 12. | Invesco India Banking and PSU Debt FundInvesco Mutual Fund | ₹2,572.51 | — | — | — | — | — | 0.26 | 80 | Moderate Risk |
| 13. | ITI Banking & PSU Debt FundITI Mutual Fund | ₹14.2233 | — | — | — | — | — | 0.23 | 34 | Low to Moderate Risk |
| 14. | Kotak Banking and PSU Debt FundKotak Mahindra Mutual Fund | ₹72.5826 | — | — | — | — | — | 0.40 | 4,761 | Low to Moderate Risk |
| 15. | LIC MF Banking & PSU Debt FundLIC Mutual Fund | ₹40.0525 | — | — | — | — | — | 0.28 | 1,598 | Low to Moderate Risk |
| 16. | Mirae Asset Banking and PSU Debt FundMirae Asset Mutual Fund | ₹14.0025 | — | — | — | — | — | 0.37 | 39 | Low to Moderate Risk |
| 17. | Nippon India Banking and PSU Debt FundNippon India Mutual Fund | ₹22.8666 | — | — | — | — | — | 0.39 | 5,057 | Moderate Risk |
| 18. | SBI BANKING & PSU DEBT FUNDSBI Mutual Fund | ₹3,537.70 | — | — | — | — | — | 0.28 | 3,512 | Moderate Risk |
| 19. | Sundaram Banking and PSU Debt Fund (Formerly Known as Sundaram Banking and PSU Fund)Sundaram Mutual Fund | ₹46.4451 | — | — | — | — | — | 0.27 | 258 | Low to Moderate Risk |
| 20. | UTI Banking & PSU Debt FundUTI Mutual Fund | ₹24.1194 | — | — | — | — | — | 0.23 | 1,448 | Low to Moderate Risk |
| Median: 20 schemes | — | — | — | — | — | — | 0.35 | 2,864 | — |
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
- Investment objective
- To generate returns by investing primarily in debt & Money Market Instruments issued by banks, Public Financial Institutions (PFIs), Public Sector Undertakings (PSUs) and Municipal Bonds.
- Fund managers
- Krishna Cheemalapati, Vikas Garg
- Fund house
- Invesco Mutual Fund
- Category
- Banking & PSU Funds · Debt
- Plan / option
- Direct · IDCW (income distribution)
- AMFI scheme code
- 120445
- ISIN
- INF205K01KU2, INF205K01KV0
- Scheme documents
- SID, KIM and factsheets (fund house website) · exit load and full portfolio are in these documents.
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
- Invesco India Banking and PSU Debt Fund - Direct Plan - Growth
- Invesco India Banking and PSU Debt Fund - Regular Plan - Growth
- Invesco India Banking and PSU Debt Fund - Direct Plan - Daily IDCW
- Invesco India Banking and PSU Debt Fund - Regular Plan - Daily IDCW
- Invesco India Banking and PSU Debt Fund - Regular Plan - Monthly IDCW
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 type | Short-term | Long-term |
|---|---|---|
| Equity-oriented | 20% (up to 12 months) | 12.5% above ₹1.25 lakh |
| Debt-oriented (bought from Apr 2023) | Slab rate | Slab rate |
| Gold, international, other hybrid | Slab rate | 12.5% (after 12 or 24 months) |
Exit load, if any, is set out in the scheme's KIM (scheme documents). 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.
Fund managers
From the scheme details published by the fund house. "Also manages" lists schemes we have on record and grows as more schemes are viewed.
Latest news: Invesco Mutual Fund
- Invesco AMC announces Temporary Restriction on Subscriptions in Gold ETF FOFInvestment Guru India · 12 h ago
- Invesco India Nifty India Defence Index Fund - Direct Plan PortfolioThe Economic Times · Yesterday
- NFO Alert: Invesco Mutual Fund’s SummitSIF launches active asset allocator long-short fundThe Economic Times · 12 Oct
- Invesco MF’s Summit SIF launches long-short fund: Key detailsCNBC TV18 · 12 Oct
- Suspension of fresh subscriptions in international schemes of Invesco Mutual FundValue Research · 5 Oct
- PGIM reopens global fund subscriptions; Invesco suspends fresh investments in 3 overseas schemesUpstox · 30 Sep
- Invesco Mutual Fund has resumed subscriptions in its international schemeValue Research · 21 Sep
- Invesco MF reopens 3 international FoFs for investments: ₹10 lakh daily limit, SIP & STP rules investors must knowLivemint · 20 Sep
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 Invesco India Banking and PSU Debt Fund today?
What returns has Invesco India Banking and PSU Debt Fund given?
What is the expense ratio of Invesco India Banking and PSU Debt Fund?
How risky is this fund?
What is the difference between Direct and Regular plans?
What are Banking & PSU Funds?
How are gains from Invesco India Banking and PSU Debt Fund taxed?
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