ICICI Prudential Banking and PSU Debt Fund is a Banking & PSU fund run by ICICI Prudential Mutual Fund. On 30-09-2026, it managed ₹8,041 Cr of investors' money. In the 3 years to 30-10-2026, its Direct plan returned 6.9% a year and its Regular plan returned 6.5% a year. Its benchmark, NIFTY Banking & PSU Debt Index A-II, returned 6.6% a year over the same 3 years.
NAV (Direct plan)
₹36.33
▲ 0.03% · 30-10-2026
NAV (Regular plan)
₹34.70
▲ 0.03% · 30-10-2026
Expense ratio
0.40%Direct0.74%Regular
0.40%
A year
Riskometer
Not available
Set by the fund house
3 year return
6.9%Direct6.5%Regular
6.9%
A year
ICICI Prudential Banking and PSU Debt Fund NAV Today
NAV on 30-10-2026: Direct Plan Growth ₹36.33 (up 0.03% that day); Regular Plan Growth ₹34.70 (up 0.03% that day).
This fund (Direct plan)
₹36.333
ICICI Prudential Banking and PSU Debt Fund Returns vs NIFTY Banking & PSU Debt Index A-II
Returns as on 30-10-2026. Up to one year they are absolute returns. Longer periods are a rate per year.
Trailing returns
Period
1M
3M
6M
1Y
3Y
5Y
10Y
This fund (Direct)
−0.45%
−0.11%
+2.18%
+4.12%
+6.87%
+6.46%
+7.07%
This fund (Regular)
−0.48%
−0.20%
+2.00%
+3.77%
+6.52%
+6.07%
+6.67%
NIFTY Banking & PSU Debt Index A-II
+0.16%
+0.57%
+2.67%
+4.43%
+6.60%
+5.65%
--
Banking & PSU average
−0.21%
+0.14%
+2.36%
+4.04%
+6.88%
+6.22%
+6.95%
Best in Banking & PSU
+0.29%
+1.41%
+3.21%
+5.74%
+7.47%
+7.79%
+7.22%
Worst in Banking & PSU
−0.45%
−0.53%
+1.89%
+2.97%
+6.32%
+5.58%
+6.46%
Rank in Banking & PSU
19/19
13/19
11/19
6/19
10/18
2/16
5/13
Category rows compare the Direct plans of 19 Banking & PSU funds. Rank 1 is the highest return. The benchmark row is as on 30-09-2026, as NSE published it.
ICICI Prudential Banking and PSU Debt Fund Year-wise Returns
Return of each calendar year
Year
Direct
Regular
2026to date
+3.11%
+2.82%
2025
+8.00%
+7.63%
2024
+8.24%
+7.90%
2023
+7.71%
+7.32%
2022
+4.73%
+4.27%
2021
+4.69%
+4.22%
ICICI Prudential Banking and PSU Debt Fund Rolling Returns
The return of every holding period in the fund's history, not only the one that ends today
Rolling returns
Each point is the yearly return of one 3-year holding period, plotted on the day it ended. There are 2,571 periods, one for each trading day from 14-03-2016 to 30-10-2026.
0%2%4%6%8%10%12%
ICICI Prudential Banking and PSU Debt Fund (Direct)
Category average, 19 Banking & PSU funds
Jan 2014 to Jan 2017Nov 2015 to Nov 2018Aug 2017 to Aug 2020Jun 2019 to Jun 2022Apr 2021 to Apr 2024Dec 2022 to Dec 2025
ICICI Prudential Banking and PSU Debt Fund (Direct)Category average, 19 Banking & PSU funds
0%
0%
Below 0%
0%
3%
0-5%
88%
96%
5-10%
12%
1%
10-15%
0%
0%
15-20%
0%
0%
20-25%
0%
0%
Above 25%
Every holding period at a glance
Period
Periods
Median
Lowest
Highest
With a loss
Category median
Beat category
1 year
3,047
8.1%
3.4%
14.7%
0%
8.1%
66%
2 years
2,812
8.0%
4.5%
12.0%
0%
7.9%
71%
3 years
2,571
8.0%
5.6%
11.7%
0%
7.8%
77%
5 years
2,088
7.5%
6.4%
9.4%
0%
7.3%
85%
7 years
1,604
7.7%
6.8%
9.5%
0%
7.4%
94%
10 years
876
8.0%
7.0%
8.3%
0%
7.7%
100%
Every SIP holding period at a glance
Period
Periods
Median
Lowest
Highest
With a loss
Category median
Beat category
1 year
152
8.0%
2.6%
17.3%
0%
7.9%
67%
2 years
140
8.0%
3.8%
13.7%
0%
7.9%
71%
3 years
128
7.8%
5.2%
12.5%
0%
7.6%
76%
5 years
104
7.5%
6.5%
9.2%
0%
7.2%
78%
7 years
80
7.2%
6.8%
9.2%
0%
7.0%
89%
10 years
44
7.5%
7.0%
7.7%
0%
7.2%
100%
Lumpsum: the yearly rate (CAGR) from the NAV on a period's first day to the NAV on its last. SIP: the XIRR of the monthly instalments and their value on the last day. "With a loss" counts the periods that ended below the money put in. "Beat category" counts the periods in which the fund did better than the average of the 19 Banking & PSU funds (Direct plans, each weighted the same) over the same days. Past returns do not promise future returns.
ICICI Prudential Banking and PSU Debt Fund Risk
How much it swings, and the falls an investor had to sit through
Risk and return
Measure
ICICI Prudential Banking and PSU Debt Fund (Direct)This fund
Category average
Return (CAGR)
+4.12%
+4.04%
Standard deviation
1.43%
1.18%
Sharpe ratio
-0.79
-1.02
Sortino ratio
-1.07
-1.39
Maximum drawdown
−0.85%
(23-10-2026)
−0.54%
(02-04-2026)
From daily NAVs, 30-10-2025 to 30-10-2026. Standard deviation: how much the daily value swings, scaled to a year. Sharpe: return above the risk-free rate (NSE's overnight rate index) per unit of swing. Sortino: the same, counting only the falls.
Measure
ICICI Prudential Banking and PSU Debt Fund (Direct)This fund
Category average
Return (CAGR)
+6.87%
+6.89%
Standard deviation
1.06%
1.00%
Sharpe ratio
0.80
0.87
Sortino ratio
1.15
1.29
Maximum drawdown
−0.85%
(23-10-2026)
−0.54%
(02-04-2026)
From daily NAVs, 30-10-2023 to 30-10-2026. Standard deviation: how much the daily value swings, scaled to a year. Sharpe: return above the risk-free rate (NSE's overnight rate index) per unit of swing. Sortino: the same, counting only the falls.
Measure
ICICI Prudential Banking and PSU Debt Fund (Direct)This fund
Category average
Return (CAGR)
+6.46%
+6.19%
Standard deviation
1.03%
0.98%
Sharpe ratio
0.64
0.39
Sortino ratio
0.89
0.54
Maximum drawdown
−0.85%
(23-10-2026)
−0.91%
(05-05-2022)
From daily NAVs, 29-10-2021 to 30-10-2026. Standard deviation: how much the daily value swings, scaled to a year. Sharpe: return above the risk-free rate (NSE's overnight rate index) per unit of swing. Sortino: the same, counting only the falls.
Measure
ICICI Prudential Banking and PSU Debt Fund (Direct)This fund
Category average
Return (CAGR)
+7.07%
+6.96%
Standard deviation
1.66%
1.60%
Sharpe ratio
1.01
0.98
Sortino ratio
1.53
1.59
Maximum drawdown
−2.9%
(23-03-2020)
−3.2%
(23-03-2020)
From daily NAVs, 28-10-2016 to 30-10-2026. Standard deviation: how much the daily value swings, scaled to a year. Sharpe: return above the risk-free rate (NSE's overnight rate index) per unit of swing. Sortino: the same, counting only the falls.
Measure
ICICI Prudential Banking and PSU Debt Fund (Direct)This fund
Category average
Return (CAGR)
+7.90%
+7.65%
Standard deviation
1.66%
1.46%
Sharpe ratio
1.13
1.12
Sortino ratio
1.61
1.75
Maximum drawdown
−2.9%
(23-03-2020)
−3.2%
(23-03-2020)
From daily NAVs, 14-03-2013 to 30-10-2026. Standard deviation: how much the daily value swings, scaled to a year. Sharpe: return above the risk-free rate (NSE's overnight rate index) per unit of swing. Sortino: the same, counting only the falls.
Drawdowns
How far below its previous high each one was on every day: the falls an investor had to sit through. 0% means it was at a new high.
−4%−3%−2%−1%0%
ICICI Prudential Banking and PSU Debt Fund (Direct)
Category average, 19 Banking & PSU funds
2014201620182020202220242026
ICICI Prudential Banking and PSU Debt Fund (Direct)Category average, 19 Banking & PSU funds
Worst fall
High before it
Bottom
Back at the high
Time to climb back
Below its high today
ICICI Prudential Banking and PSU Debt Fund (Direct)
−2.9%
06-03-2020
23-03-2020
23-04-2020
31 days
−0.67%
Category average
−3.2%
06-03-2020
23-03-2020
20-04-2020
28 days
−0.37%
From the Direct plan's daily NAV since 14-03-2013, adjusted for unit splits, and the average of the 19 Banking & PSU funds (Direct plans, each weighted the same) over the same days. "Time to climb back" runs from the bottom to the first day back at the old high.
ICICI Prudential Banking and PSU Debt Fund vs Other Banking & PSU Funds
The five Banking & PSU funds with the best three year return, and this fund. Direct plans.
AUM is each fund's size at the end of its last reported month, from its own portfolio file. We calculate the risk ratios from daily NAVs over the last three years. The risk-free return is what NSE's overnight rate index earned over the same years. Alpha and beta compare each fund with its own benchmark's TRI. "--" means we have no figure: for alpha and beta, no daily series for that benchmark.
ICICI Prudential Banking and PSU Debt Fund Expense Ratio and Costs
What each plan charges a year, in force from 01-09-2026
Plan
Base expense ratio
Brokerage
Transaction costs
Levies and GST
Total expense ratio
Banking & PSU median
Cost rank (1 = cheapest)
Direct
0.33%
0.01%
0.00%
0.06%
0.40%
0.36%
14/19
Regular
0.62%
0.01%
0.00%
0.11%
0.74%
0.70%
12/19
The expense ratio comes out of the fund's assets every day, so every return on this page is already after it. Base expense ratio: the fund house's own fee. The total adds brokerage, the cost of executing trades, and statutory levies with GST. From AMFI's expense ratio file. Cost rank: where this plan comes when the Banking & PSU funds' plans of the same type are sorted from the lowest total expense ratio to the highest.
Direct vs Regular: what the gap cost
Both plans own the same portfolio, so the difference in what they earned is the Regular plan's extra cost, taken out of its NAV.
Over the last
Regular
Direct
Direct earned more by
₹1 lakh became (Regular)
₹1 lakh became (Direct)
1 year
3.77%
4.12%
0.35%
₹1,03,770
₹1,04,120
3 years
6.52%
6.87%
0.35% a year
₹1,20,863
₹1,22,058
5 years
6.07%
6.46%
0.39% a year
₹1,34,265
₹1,36,752
10 years
6.67%
7.07%
0.40% a year
₹1,90,732
₹1,98,006
Returns over more than 1 year are a rate a year (CAGR). ₹1 lakh invested once at the start of each period, valued on the last NAV.
ICICI Prudential Banking and PSU Debt Fund SIP Calculator
What a one-time or monthly investment in this fund would be worth today, from its own NAV history
Growth of an investment
Step up each year
PeriodFor
₹10,000 on the first trading day of every month, from 14-03-2013 to 30-10-2026: 164 instalments, ₹16,40,000 in all.
Investment
Invested
Value now
Gain
Return a year
Direct planICICI Prudential Banking and PSU Debt Fund (Direct)
₹16,40,000
₹27,66,736
₹11,26,736
7.3%
Regular planICICI Prudential Banking and PSU Debt Fund (Regular)
Direct planICICI Prudential Banking and PSU Debt Fund (Direct)Regular planICICI Prudential Banking and PSU Debt Fund (Regular)Category averageCategory average, 19 Banking & PSU fundsAmount invested
From each plan's published NAV (Growth option) and the category average, over the same days. Return a year: XIRR for a SIP, CAGR for a lumpsum, shown for a year or more. It does not include exit load, stamp duty or tax. Past returns do not promise future returns.
ICICI Prudential Banking and PSU Debt Fund Asset Allocation
Asset allocation as on 30-09-2026
What the fund holds
97.0%Debt
Asset
Fund
Category
Debt
97.0%
91.5%
Cash and others
3.0%
8.5%
Credit rating
Bonds and money market papers by credit rating, % of the fund. Category: the average of 19 Banking & PSU funds.
Rating
Fund
Category
Sovereign
15.7%
8.9%
AAA and A1+
80.3%
81.8%
AA
1.0%
0.8%
ICICI Prudential Banking and PSU Debt Fund Portfolio Holdings
As on 30-09-2026 · 95 holdings · from the fund house's monthly portfolio
Holdings
Rating
Weight%
NABARD · Bond
ICRA AAA
4.65%
LIC Housing Finance Ltd. · Bond
CRISIL AAA
4.03%
Government Securities · Government security
SOV
3.56%
Power Finance Corporation Ltd. · Bond
CRISIL AAA
3.08%
Government Securities · Government security
SOV
2.81%
Rural Electrification Corporation Ltd. · Bond
ICRA AAA
2.78%
Power Finance Corporation Ltd. · Bond
CRISIL AAA
2.46%
HDFC Bank Ltd.( Tier II Bond under Basel III ) · Bond
CRISIL AAA
2.24%
Mahanagar Telephone Nigam Ltd. · Bond
FITCH AAA(CE)
2.14%
Siddhivinayak Securitisation Trust
CRISIL AAA(SO)
2.08%
HDFC Bank Ltd. · Bond
CRISIL AAA
1.89%
HDFC Bank Ltd. · Bond
CRISIL AAA
1.89%
Rural Electrification Corporation Ltd. · Bond
CRISIL AAA
1.86%
Small Industries Development Bank Of India. · Bond
CRISIL AAA
1.83%
Shivshakti Securitisation Trust
CRISIL AAA(SO)
1.78%
NABARD · Bond
ICRA AAA
1.55%
Export-Import Bank Of India · Bond
CRISIL AAA
1.55%
Power Finance Corporation Ltd. · Bond
CRISIL AAA
1.55%
NABARD · Bond
CRISIL AAA
1.55%
Small Industries Development Bank Of India. · Bond
CRISIL AAA
1.54%
Small Industries Development Bank Of India. · Bond
CRISIL AAA
1.54%
HDFC Bank Ltd. · Bond
CRISIL AAA
1.53%
HDFC Bank Ltd. · Bond
CRISIL AAA
1.53%
Small Industries Development Bank Of India. · Bond
CRISIL AAA
1.52%
Small Industries Development Bank Of India. · Bond
CRISIL AAA
1.52%
State Government of Madhya Pradesh · State government security
SOV
1.47%
Government Securities · Government security
SOV
1.42%
Axis Bank Ltd. · Bond
CRISIL AAA
1.33%
Government Securities · Government security
SOV
1.30%
Rural Electrification Corporation Ltd. · Bond
CRISIL AAA
1.27%
NABARD · Bond
CRISIL AAA
1.24%
Rural Electrification Corporation Ltd. · Bond
CRISIL AAA
1.24%
Housing and Urban Development Corporation Ltd. · Bond
ICRA AAA
1.23%
Housing and Urban Development Corporation Ltd. · Bond
ICRA AAA
1.22%
State Government of Madhya Pradesh · State government security
SOV
1.20%
Small Industries Development Bank Of India. · Bond
CRISIL AAA
1.11%
Export-Import Bank Of India · Bond
CRISIL AAA
1.05%
Mahanagar Telephone Nigam Ltd. · Bond
BWR AA+(CE)
1.00%
Rural Electrification Corporation Ltd. · Bond
ICRA AAA
0.99%
Tata Capital Ltd. · Bond
CRISIL AAA
0.99%
Power Finance Corporation Ltd. · Bond
CRISIL AAA
0.96%
Small Industries Development Bank Of India. · Bond
CRISIL AAA
0.93%
NABARD · Bond
CRISIL AAA
0.92%
HDFC Bank Ltd. · Bond
CRISIL AAA
0.92%
Export-Import Bank Of India · Bond
CRISIL AAA
0.92%
Small Industries Development Bank Of India. · Certificate of deposit
CRISIL A1+
0.88%
India Universal Trust AL1
FITCH AAA(SO)
0.87%
HDFC Bank Ltd. · Bond
CRISIL AAA
0.83%
Citicorp Finance (India) Ltd. · Bond
ICRA AAA
0.81%
Power Finance Corporation Ltd. · Bond
CRISIL AAA
0.67%
Rural Electrification Corporation Ltd. · Bond
CRISIL AAA
0.64%
Mahindra & Mahindra Financial Services Ltd. · Bond
CRISIL AAA
0.62%
Rural Electrification Corporation Ltd. · Bond
CRISIL AAA
0.62%
Housing and Urban Development Corporation Ltd. · Bond
ICRA AAA
0.62%
NABARD · Bond
ICRA AAA
0.62%
Mashreq Bank PSC India Branch · Certificate of deposit
CRISIL A1+
0.61%
Power Finance Corporation Ltd. · Bond
CRISIL AAA
0.61%
Bharat Sanchar Nigam Ltd. · Bond
CRISIL AAA(CE)
0.60%
Power Finance Corporation Ltd. · Bond
CRISIL AAA
0.60%
State Government of Chhattisgarh · State government security
SOV
0.60%
Union Bank Of India · Certificate of deposit
ICRA A1+
0.60%
State Government of Maharashtra · State government security
SOV
0.58%
Small Industries Development Bank Of India. · Certificate of deposit
CRISIL A1+
0.58%
Small Industries Development Bank Of India. · Certificate of deposit
CRISIL A1+
0.58%
State Government of Telangana
SOV
0.54%
Government Securities · Government security
SOV
0.49%
State Government of Maharashtra · State government security
SOV
0.41%
Corporate Debt Market Development Fund (Class A2)
Financial Services
0.39%
India Universal Trust AL2
CRISIL AAA(SO)
0.35%
State Government of Chhattisgarh · State government security
SOV
0.33%
Rural Electrification Corporation Ltd. · Bond
CRISIL AAA
0.32%
Housing and Urban Development Corporation Ltd. · Bond
ICRA AAA
0.32%
Power Finance Corporation Ltd. · Bond
CRISIL AAA
0.31%
Power Finance Corporation Ltd. · Bond
CRISIL AAA
0.31%
ICICI Home Finance Company Ltd. · Bond
ICRA AAA
0.31%
HDFC Bank Ltd. · Bond
CRISIL AAA
0.31%
Rural Electrification Corporation Ltd. · Bond
ICRA AAA
0.31%
Power Finance Corporation Ltd. · Bond
CRISIL AAA
0.31%
HDFC Bank Ltd. · Bond
CRISIL AAA
0.30%
Power Finance Corporation Ltd. · Bond
CRISIL AAA
0.30%
State Government of Karnataka · State government security
SOV
0.28%
State Government of Maharashtra · State government security
SOV
0.26%
Rural Electrification Corporation Ltd. · Bond
CRISIL AAA
0.25%
India Universal Trust AL2
CRISIL AAA(SO)
0.21%
State Government of Bihar · State government security
SOV
0.21%
India Universal Trust AL1
FITCH AAA(SO)
0.19%
ICICI Bank Ltd. · Bond
ICRA AAA
0.18%
Rural Electrification Corporation Ltd. · Bond
ICRA AAA
0.18%
Government Securities · Government security
SOV
0.09%
State Government of Maharashtra · State government security
SOV
0.08%
State Government of West Bengal · State government security
SOV
0.07%
Power Finance Corporation Ltd. · Bond
CRISIL AAA
0.06%
Government Securities · Government security
SOV
0.05%
Government Securities · Government security
SOV
0.00%
Government Securities · Government security
SOV
0.00%
ICICI Prudential Banking and PSU Debt Fund Portfolio Overlap
Funds with the most similar portfolios, across every fund house and category
Overlap: for each holding both funds own, the smaller of its two weights, added up. 40% means 40% of each fund's money sits in positions the other also holds. From each fund's latest monthly portfolio, matched by ISIN. Cash and hedged positions are left out. Funds that overlap under 10% are not listed. A high overlap does not make two funds the same: their costs, lock-in and category can differ.
ICICI Prudential Banking and PSU Debt Fund Overview
Fund facts from the scheme summary document
Expense ratio (Direct)
0.40%
Expense ratio (Regular)
0.74%
Category
Banking & PSU
Risk
Not available
Benchmark
Not available
Launch date
Not available
Minimum investment
Not available
Minimum additional investment
Not available
AUM
₹8,041.39 Cr (30-09-2026)
Lock in
Not available
Scheme code (Direct)
120256
ISIN (Direct)
INF109K010A6
Scheme code (Regular)
112342
ISIN (Regular)
INF109K01RT3
NAV history
From 14-03-2013, 13.6 years
Exit load
Not available
Tax on ICICI Prudential Banking and PSU Debt Fund returns
ICICI Prudential Banking and PSU Debt Fund is taxed as a debt fund: 65% or more of it is in bonds and money market papers.
For units bought on or after 01-04-2023, the gain is added to your income and taxed at your slab rate, however long you hold the units.
IDCW (dividend) payouts are added to your income and taxed at your slab rate.
A stamp duty of 0.005% is deducted when you invest.
Rules in force from 23-07-2024 (Finance Act 2024). Tax depends on your own income; this is general information, not tax advice.
All plans and options
Plan
Option
NAV
As on
direct
Growth
₹36.333
30-10-2026
direct
Quarterly IDCW
₹12.9656
30-10-2026
regular
Growth
₹34.6978
30-10-2026
regular
Quarterly IDCW
₹10.9697
30-10-2026
About ICICI Prudential Banking and PSU Debt Fund
ICICI Prudential Banking and PSU Debt Fund is a mutual fund from ICICI Prudential Mutual Fund. Its category is Banking & PSU. At the end of September 2026 it held 95 securities.
Frequently Asked Questions for ICICI Prudential Banking and PSU Debt Fund
What is the current NAV of ICICI Prudential Banking and PSU Debt Fund?
The Direct plan NAV is ₹36.333. The Regular plan NAV is ₹34.6978, as on 30-10-2026.
What are the returns of ICICI Prudential Banking and PSU Debt Fund?
The Direct plan returned +4.12% in 1 year, +6.87% a year over 3 years, +6.46% a year over 5 years. The Regular plan returned +3.77% in 1 year, +6.52% a year over 3 years, +6.07% a year over 5 years. These figures are as on 30-10-2026.
What is the expense ratio of ICICI Prudential Banking and PSU Debt Fund?
The Direct plan charges 0.40% a year. The Regular plan charges 0.74% a year. This is the figure the fund house reported to AMFI, in force from 01-09-2026.
What is the AUM of ICICI Prudential Banking and PSU Debt Fund?
ICICI Prudential Banking and PSU Debt Fund managed ₹8,041.39 Cr on 30-09-2026, as its fund house reported in its monthly portfolio.
What are the top holdings of ICICI Prudential Banking and PSU Debt Fund?
At the end of September 2026 the largest holdings were NABARD (4.65%), LIC Housing Finance Ltd. (4.03%), Government Securities (3.56%), Power Finance Corporation Ltd. (3.08%), Government Securities (2.81%). The fund held 95 securities in all.
How do I invest in ICICI Prudential Banking and PSU Debt Fund?
Through ICICI Prudential Mutual Fund's website or app, a mutual fund distributor, or an investment platform. Choose the Direct plan to pay no distributor commission, or the Regular plan to invest through a distributor. You can invest once or through a monthly SIP.
How has ICICI Prudential Banking and PSU Debt Fund performed against its benchmark?
Its benchmark is NIFTY Banking & PSU Debt Index A-II. The Direct plan returned +6.46% a year over 5 years. The benchmark returned +5.65% a year over 5 years.
How does ICICI Prudential Banking and PSU Debt Fund rank in its category?
The Direct plan ranks 10 of 18 Banking & PSU funds by its 3 year return. The category average is +6.88% a year.
Sources: NAV and expense ratio from AMFI. Holdings from the fund house's monthly portfolio statement. Fund facts from its scheme summary document.
This page is information, not investment advice. Mutual fund investments are subject to market risks; read all scheme related documents carefully. Past returns do not promise future returns. Figures come from AMFI, NSE, BSE and each fund house's own documents.
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