SBI Banking & Psu Fund - Direct Plan - Monthly Income Distribution Cum Capital Withdrawal Option (IDCW)

Q: How to check the XIRR of SBI Banking & PSU Fund - Direct Plan - Monthly Income Distribution cum Capital Withdrawal Option (IDCW)?

You can track the exact XIRR and portfolio overlapping of SBI Banking & PSU Fund - Direct Plan - Monthly Income Distribution cum Capital Withdrawal Option (IDCW) alongside your PMS and AIF investments using the MutualSaathi Portfolio Analyzer.

Q: How to check portfolio overlap for SBI Banking & PSU Fund - Direct Plan - Monthly Income Distribution cum Capital Withdrawal Option (IDCW)?

Use the MutualSaathi Portfolio Analyzer to compare SBI Banking & PSU Fund - Direct Plan - Monthly Income Distribution cum Capital Withdrawal Option (IDCW) with other funds, PMS, and AIFs to detect hidden stock overlaps.

SBI Mutual Fund

Expense Ratio: 0.39

Risk: Moderate

Debt Scheme - Banking and PSU Fund

Plan: Direct

Benchmark: NIFTY Banking & PSU Debt Index A-II

Inception: 30-09-2009

Exit Load: Nil

Fund Size:₹4,171.65 Cr

Performance

Fund0.52%

Cat. Avg.5.38%

Fund2.45%

Cat. Avg.7.33%

Fund2.82%

Cat. Avg.7.32%

Fund2.61%

Cat. Avg.6.43%

10Y

Fund2.37%

Cat. Avg.7.23%

Fund2.24%

Cat. Avg.7.46%

Fund Facts

No available Data

Taxation

Any Holding Period (STCG & LTCG):As per Income Slab Rate

*Tax rates as per Finance Act 2024. Surcharge & cess may apply.

Allocation

Visualizing Fund's Exposure

Asset Class

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Debt Ratings

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Debt Instruments

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Asset Class

Debt Ratings

Debt Instruments

Portfolio Holdings

Detailed breakdown of instruments.

	Instrument	Type	Sub-Cat	Sector	YTM	Val (Cr)	% Assets
1	Canara Bank	DEBT	CD	CRISIL A1	7.28%	327.73	8.59%
2	National Bank for Agriculture and Rural Development	DEBT	CD	CRISIL A1	7.25%	293.50	7.70%
3	ONGC Petro Additions Ltd.	DEBT	Bond/NCD	CRISIL AA	7.88%	275.37	7.22%
4	6.90% CGL 2065	DEBT	G-Sec	Sovereign	7.95%	249.23	6.54%
5	Punjab National Bank	DEBT	CD	CRISIL A1	7.23%	235.58	6.18%
6	Power Grid Corporation of India Ltd.	DEBT	Bond/NCD	CRISIL AAA	7.61%	220.73	5.79%
7	HDFC Bank Ltd.	DEBT	CD	CRISIL A1	7.32%	210.44	5.52%
8	Bank of Baroda	DEBT	CD	IND A1	7.30%	188.43	4.94%
9	Union Bank of India	DEBT	CD	[ICRA]A1	7.28%	186.99	4.90%
10	Net Receivable / Payable	CASH	Others	Others		178.75	4.69%

Similar Funds

SIP Returns

Amount (₹)

Date

7th

Period	SIP Date	Inv(₹)	Val(₹)	Abs(%)	XIRR
1Y	07 Aug, 25	60000	60389	+0.6%	+1.4%
2Y	07 Aug, 24	1.20 L.	1.22 L.	+1.8%	+1.8%
3Y	07 Aug, 23	1.80 L.	1.86 L.	+3.4%	+2.3%
5Y	09 Aug, 21	3 L.	3.22 L.	+7.3%	+2.9%
10Y	08 Aug, 16	6 L.	6.83 L.	+13.8%	+2.6%
SI	08 Sep, 14	7.15 L.	8.31 L.	+16.2%	+2.5%

Lumpsum Returns

Amount (₹)

Period	Inv Date	Inv(₹)	Val(₹)	Abs(%)	CAGR
1Y	16 Jul, 25	1 L.	1.01 L.	+0.5%	+0.5%
2Y	16 Jul, 24	1 L.	1.05 L.	+5.0%	+2.5%
3Y	17 Jul, 23	1 L.	1.09 L.	+8.6%	+2.8%
5Y	16 Jul, 21	1 L.	1.14 L.	+13.8%	+2.6%
10Y	18 Jul, 16	1 L.	1.26 L.	+26.3%	+2.4%
SI	08 Aug, 14	1 L.	1.30 L.	+30.3%	+2.2%

SIP Planner

Visualize how small monthly investments grow over time.

Monthly SIP Amount

HNI/UHNI? Enter manually (Max: ₹10 Cr)

₹

Investment Tenure

Max: 40 Years

Years

Expected Annual Return (SIP)

Max: 30%

Expected Inflation

Max: 20%

Annual Step-up

Beat inflation and compound wealth faster with an annual step-up.

Max: 500%

Initial Lumpsum

HNI/UHNI? Enter manually (Max: ₹1000 Cr)

₹

Expected Return on Lumpsum

Max: 30%

Future Value

₹23.80L

With SIP Amount ₹5,000

Total Invested

₹9.00L

Total Gained

₹14.80L

SIP Invested₹9.00L

SIP Gain₹14.80L

Lumpsum Inv.₹0

Lumpsum Gain₹0

Reality Check: Your future value will be today's ₹8.62L at inflation rate 7%

Tip: You can set a Goal first in the Goal Planner to calculate SIP targets adjusted for inflation.