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Nippon India Banking & PSU Debt Fund Regular Growth

Nippon India Banking & PSU Debt Fund Regular Growth

Moderate Risk
Fixed Income
Banking & PSU
▲ 6.56%3Y Annualized
-0.12%1D Returns

NAV (15 Oct ’26)

₹21.92

Min SIP Amount

₹100.00

Fund Size (AUM)

₹5,056.71 Cr

Mutual Fund SIP Calculator

₹
/Month
₹100₹10L
Years
1Y40Y
%
1%30%
% /Year
0%25%

About Nippon India Banking & PSU Debt Fund Regular Growth

Nippon India Banking & PSU Debt Fund Regular Growth is a Banking & PSU mutual fund scheme from Nippon Life India Asset Management Ltd. The fund was launched on 15 May 2015 and is managed by Kinjal Desai, Vivek Sharma, Pranay Sinha, and Amber Singhania. As of 15 October 2026, the fund has an AUM of ₹5,056.71 Cr and its latest NAV is ₹21.92. The fund has a Moderate Risk risk rating.

The fund allows minimum SIP of ₹100 and lumpsum investment starting from ₹5,000.

Its top holdings include 6.94% Govt Stock 2036, 7.61% Govt Stock 2030, National Bank For Agriculture And Rural Development, Small Industries Development Bank Of India, and National Bank For Agriculture And Rural Development. The fund has delivered 3.6% returns over the last 1 year, 6.6% annualised returns over 3 years, 5.7% annualised returns over 5 years, and 7.1% annualised returns since inception.

Nippon India Banking & PSU Debt Fund Regular Growth may be suitable for investors looking for Banking & PSU and who are comfortable with Moderate Risk risk.

Top 10 Holdings

NameValueWeighting
6.94% Govt Stock 2036--₹222.78 Cr4.30%
7.61% Govt Stock 2030--₹204.02 Cr4.03%
National Bank For Agriculture And Rural Development--₹179.00 Cr3.54%
Small Industries Development Bank Of India--₹175.25 Cr3.47%
National Bank For Agriculture And Rural Development--₹174.23 Cr3.45%
6.48% Govt Stock 2035--₹166.79 Cr3.14%
6.68% Govt Stock 2040--₹155.91 Cr2.94%
National Housing Bank--₹130.14 Cr2.57%
Small Industries Development Bank Of India--₹128.59 Cr2.50%
Rural Electrification Corporation Limited--₹125.09 Cr2.47%

Returns & Rankings

Name3 Year4 Year5 Year
Fund returns+5.69%+6.56%+6.64%+5.71%
Category average (Banking & PSU)+6.04%+6.59%+6.65%+5.83%
Rank (Banking & PSU)141123108115
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Fund Management

KD

Kinjal Desai

Experience: 8.36 Years

VS

Vivek Sharma

Experience: 6.27 Years

PS

Pranay Sinha

Experience: 5.51 Years

AS

Amber Singhania

Experience: 0.56 Years

Minimum SIP Amount, Expense Ratio & Exit Load

Nippon India Banking & PSU Debt Fund Regular Growth Overview
Minimum SIP Amount₹100.00
Expense Ratio

0.78%

Inclusive of GST

Exit LoadNIL. Exit load if charged, by NIMF to the unit holders shall be credited to the scheme immediately net of Goods & Service Tax, if any.

Types of Mutual Funds to Invest in India

Mutual funds in India are classified as follows:

Large Cap
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ELSS (Tax Saving)

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Nippon India Banking & PSU Debt Fund Regular Growth FAQ's

What are the returns of Nippon India Banking & PSU Debt Fund Regular Growth?

Nippon India Banking & PSU Debt Fund Regular Growth has generated 3.6% returns over 1 year, 6.6% over 3 years and 5.7% over 5 years as of 15 October 2026.

What is today's NAV of Nippon India Banking & PSU Debt Fund Regular Growth?

Currently, the Net Asset Value (NAV) of Nippon India Banking & PSU Debt Fund Regular Growth is ₹21.92, as of 15 October 2026.

What are the ways to invest in Nippon India Banking & PSU Debt Fund Regular Growth?

You can invest in Nippon India Banking & PSU Debt Fund Regular Growth through a lumpsum, a monthly SIP and a daily SIP.

What is the minimum SIP investment in Nippon India Banking & PSU Debt Fund Regular Growth?

The minimum SIP amount for Nippon India Banking & PSU Debt Fund Regular Growth is ₹500 per instalment.

What is the expense ratio of Nippon India Banking & PSU Debt Fund Regular Growth?

The expense ratio of Nippon India Banking & PSU Debt Fund Regular Growth is 0.78%. It represents the annual expenses levied for managing and operating the fund scheme and is deducted from the fund's NAV rather than being charged separately. For example, if you invest ₹5,000, the annual expense is about ₹39.

What is the risk level of Nippon India Banking & PSU Debt Fund Regular Growth?

As per the fund factsheet published by the fund house, Nippon India Banking & PSU Debt Fund Regular Growth is considered to carry Moderate Risk for its investors.

What are the top holdings of Nippon India Banking & PSU Debt Fund Regular Growth?

As a debt fund, the portfolio is mainly bond issuers. The top holdings of Nippon India Banking & PSU Debt Fund Regular Growth include 6.94% Govt Stock 2036, 7.61% Govt Stock 2030, National Bank For Agriculture And Rural Development, Small Industries Development Bank Of India and National Bank For Agriculture And Rural Development, based on the latest portfolio disclosure. The fund's holdings may change over time depending on the fund manager's investment strategy.

Is there any lock-in period for Nippon India Banking & PSU Debt Fund Regular Growth?

Nippon India Banking & PSU Debt Fund Regular Growth has no lock-in period for its investors. Thus, the investors of this fund are free to redeem their investments on any date as per their requirements.

How can I redeem my investments in Nippon India Banking & PSU Debt Fund Regular Growth?

You can redeem your investment in Nippon India Banking & PSU Debt Fund Regular Growth on any business day. The exit load is NIL. Exit load if charged, by NIMF to the unit holders shall be credited to the scheme immediately net of Goods & Service Tax, if any..

Who is the fund manager of Nippon India Banking & PSU Debt Fund Regular Growth?

Nippon India Banking & PSU Debt Fund Regular Growth is managed by Kinjal Desai, Vivek Sharma, Pranay Sinha and Amber Singhania. A fund manager is an experienced finance professional responsible for making investment decisions and managing the fund's portfolio in line with its investment objective.

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  • Paisabazaar Marketing and Consulting Private Limited is an AMFI registered Mutual Fund Distributor - ARN-336712 | ARN Validity period: 08 Aug 2025 to 07 Aug 2028
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