# Mutual Fund Factsheet: Nippon India Banking and PSU Debt Fund

**Canonical Source**: https://mfcalc.getabundance.in/fund/134545
**Distributor**: Abundance Financial Services · Atin Kumar Agrawal (AMFI ARN-251838)

## 1. Scheme Overview
| Field | Value |
| --- | --- |
| AMC / Fund House | Nippon India Mutual Fund |
| Category | Income/Debt Oriented Schemes - Banking and PSU Debt Fund |
| Structure | Open Ended |
| AMFI Scheme Code | 134545 |
| ISIN | INF204KA1T56 |
| Current NAV | ₹21.87 (as of 23-Oct-2026) |
| Launch Date | 2015-05-18 (11 years old) |
| Total Fund AUM | ₹5,175 Cr |
| Expense Ratio | 0.39% |
| Primary Benchmark | CRISIL Banking and PSU Debt Index |

## 2. Trailing Performance vs Benchmark (CAGR %)
| Period | Nippon India Banking and PSU Debt Fund | Benchmark (CRISIL Banking and PSU Debt Index) | Alpha (Outperformance) |
| --- | --- | --- | --- |
| 1 Month | -0.4% | +0.7% | -1.1% |
| 3 Months | -0.2% | +2.1% | -2.3% |
| 6 Months | +1.9% | +4.3% | -2.4% |
| 1 Year | +3.3% | +8.1% | -4.8% |
| 3 Years | +6.4% | +7.7% | -1.2% |
| 5 Years | +5.7% | +6.7% | -1.0% |
| 7 Years | +6.2% | — | — |
| 10 Years | +6.7% | — | — |
| Since Inception | +7.1% | — | — |

## 3. Risk & Volatility Metrics
| Metric | Value | Benchmark / Interpretation |
| --- | --- | --- |
| Annualized Volatility (Std Dev) | 1.7% | Measure of fund price variability (Lower is less volatile) |
| Maximum Drawdown | -0.8% | Largest peak-to-trough drop over available history |
| Return / Risk Ratio | 3.87 | Trailing return generated per unit of total risk |
| Sharpe Ratio (3Y) | -0.04 | Risk-adjusted excess return over 6.5% risk-free rate |

## 4. Portfolio Holdings (Top 3 Teaser)
| # | Company / Security | Asset Class | Sector | Portfolio Weight (%) |
| --- | --- | --- | --- | --- |
| 1 | Repo | CASH | Unspecified | 4.5% |
| 2 | GOI Sec 7.61 09/05/2030 | DEBT | Entities | 4.0% |
| 3 | NATIONAL BANK FOR AGRICULTURE AND RURAL DEVELOPMENT SR 25G 7.48 BD 15SP28 FVRS1LAC | DEBT | Financial | 3.5% |

> 🔒 **Pro Member Access**: Complete portfolio holdings (113 securities), market-cap allocation (Large/Mid/Small Cap), and full sector exposure are available to Abundance Pro members at https://mfcalc.getabundance.in/fund/134545

## 5. SEBI Liquidity Stress Test
- **Status**: Not applicable (SEBI liquidity stress-testing disclosures are mandated specifically for Small Cap and Mid Cap mutual funds).

## 6. Regulatory Disclosures & Statutory Citation
> **Statutory Warning**: Mutual fund investments are subject to market risks, read all scheme related documents carefully.
> **Past Performance**: Past performance is not indicative of future returns.
> **Distributor Disclosure**: Published by **Abundance Financial Services** · Atin Kumar Agrawal (AMFI Registered Mutual Fund Distributor ARN-251838). This factsheet is provided strictly for educational and informational purposes and does not constitute investment advice, research, or a financial recommendation.
> **Interactive Tools**: View rolling return charts, peer quartile rankings, and CAS portfolio review at https://mfcalc.getabundance.in