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InvestVerdict

LIC MF Banking & PSU Debt Fund

Regular Plan · Monthly IDCW · Banking & PSU · Scheme code 105856

NAV₹13.7993as on 28 Aug 2026
Fund houseLIC Mutual Fund
CategoryBanking & PSU
Plan & optionRegular · Monthly IDCW
History19.2 years

Returns (%)

 1M3M6M1Y3Y5Y7Y10YLaunch
This scheme 0.172.152.51 5.046.815.41 4.193.101.68
Banking & PSU
category median		 ——— 5.086.865.91 —6.88—

Over a year annualised (CAGR), under a year absolute. Computed from AMFI's published NAV history for this scheme.

Risk

 VolatilitySharpeSortinoBetaAlphaMax fallR²
This scheme 2.1% 0.15 0.16 — — -3.5% —

Risk-free rate 6.5%. Beta, alpha and R² are regressed on the — months this scheme and its benchmark share.

Growth of ₹100 since launch

971121261412008201020122014201620182020202220242026InvestVerdict

Drawdown from peak (%)

0%-1%-3%-4%2008201020122014201620182020202220242026

Every one-year period it has lived through

WindowsWorstMedianBestPeriods that lost money
882 -2.9% 0.3% 10.1% 31%

Every one-year holding period in this scheme's history, not just the last one — the spread a real investor would have met depending only on when they started.

InvestVerdict

LIC MF Banking & PSU Debt Fund

Regular Plan · Monthly IDCW

Allocation

By asset

Debt96.65%
Cash & Equivalents3.03%
Unclassified0.29%

By market cap

Concentration

Number of stocks49
Top 5 stocks21.48%
Top 10 stocks36.64%
Top 20 stocks63.09%
Largest holding5.73%
Largest sectorCRISIL AAA 49.96%
Effective stocks38.8
Cash3.03%
InvestVerdict

LIC MF Banking & PSU Debt Fund

Regular Plan · Monthly IDCW · holdings

Top 18 holdings

#CompanySector% of fund
1— CRISIL AAA5.73%
2— CRISIL AAA4.53%
3— Unclassified4.11%
4— SOVEREIGN3.96%
5— CRISIL A1+3.88%
6— SOVEREIGN3.38%
7— CRISIL AAA3.35%
8— ICRA AAA3.32%
9— CRISIL AAA2.85%
10— CRISIL AAA2.84%
11— CRISIL AAA2.80%
12— CRISIL AAA2.80%
13— CRISIL AAA2.74%
14— CRISIL AAA2.74%
15— CRISIL AAA2.70%
16— CRISIL A1+2.60%
17— CRISIL A1+2.60%
18— CRISIL A1+2.59%

Sector split

CRISIL AAA — 50.0%CRISIL A1+ — 17.3%ICRA AAA — 11.9%SOVEREIGN — 11.1%FITCH A1+ — 6.4%Cash & Equivalents — 3.0%Other — 0.3%CRISIL AAA50.0%CRISIL A1+17.3%ICRA AAA11.9%SOVEREIGN11.1%FITCH A1+6.4%Cash & Equivalents3.0%Other0.3%
CRISIL AAA49.96%
CRISIL A1+17.28%
ICRA AAA11.94%
SOVEREIGN11.05%
FITCH A1+6.42%
Cash & Equivalents3.03%
Unclassified0.29%

A ₹10,000 monthly SIP over five years

InvestedValueGainXIRR
₹600,000 ₹704,524 ₹104,524 6.37%

XIRR, not CAGR — a SIP's money arrives over sixty months, so each instalment has been invested for a different length of time.

Not investment advice. InvestVerdict is not a SEBI-registered Investment Adviser or Research Analyst. Every figure is computed from AMFI's published NAV history and the portfolio the AMC filed with AMFI; none of it is a recommendation to buy, hold or sell. Past returns do not predict future ones. Generated 30 Aug 2026.