Nippon India Banking and PSU Fund Direct-Growth
Debt: Banking and PSU - Growth (Open ended) Factsheet
SEBI Riskometer: ModerateCategory: Debt: Banking and PSUBenchmark: CRISIL Banking and PSU Debt A-II Index
NAV: ₹22.85+0.10%
10 Jul 2026
Holdings Analysis
Equity, debt and cash allocation snapshot with market cap distribution for Nippon India Banking and PSU Fund Direct-Growth.
Historical Asset Allocation
| Asset | 30 Jun 2026 | 31 May 2026 | 30 Apr 2026 | 31 Mar 2026 | 28 Feb 2026 | 31 Jan 2026 |
|---|---|---|---|---|---|---|
| Equity | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
| Debt | 96.69% | 94.37% | 95.14% | 93.52% | 96.94% | 96.00% |
| Others (incl. cash) | 3.32% | 5.64% | 4.87% | 6.48% | 3.05% | 3.99% |
| Commodities | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
| Real Estate | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
Portfolio Snapshot
No. of Securities
112
Top Holding %
3.41%
Top 5 Holdings %
16.54%
Top 10 Holdings %
29.83%
Modified Duration
2.79 yrs
Avg. Maturity
3.47 yrs
Yield to Maturity
7.76%
AUM
₹5,307 Cr
Expense Ratio
0.39%
Since Inception
7.68%
Max Drawdown
-0.03%
Sharpe Ratio
0.83
Top Portfolio Holdings by Weight
Latest portfolio holdings sorted by allocation weight. Includes instrument name, sector, number of shares, market value (₹ Cr) and percentage of net assets. Switch dates or categories using the controls below.
| Instrument | Sector | No. of Shares | Value (Rs. Cr) | Weight | Change |
|---|---|---|---|---|---|
| National Bank For Agriculture & Rural Development | Financial | 18,000 | 180.87 | 3.41% | 0.42%↑ |
| National Bank For Agriculture & Rural Development | Financial | 17,500 | 177.08 | 3.34% | -0.04%↓ |
| Small Industries Devp. Bank of India Ltd. | Financial | 17,500 | 176.43 | 3.32% | - |
| GOI | Sovereign | 1,65,00,000 | 167.39 | 3.15% | - |
| GOI | Sovereign | 1,70,00,000 | 166.79 | 3.14% | - |
| GOI | Sovereign | 1,60,00,000 | 155.91 | 2.94% | 0.83%↑ |
| National Housing Bank | Financial | 13,000 | 130.96 | 2.47% | -1.02%↓ |
| REC Ltd. | Financial | 12,500 | 126.31 | 2.38% | -0.04%↓ |
| Small Industries Devp. Bank of India Ltd. | Financial | 12,500 | 125.32 | 2.36% | -0.04%↓ |
| Indian Railway Finance Corporation Ltd. | Financial | 12,000 | 121.77 | 2.29% | -0.03%↓ |
| Union Bank of India | Financial | 103 | 104.29 | 1.97% | -0.01%↓ |
| Nuclear Power Corpn. Of India Ltd. | Energy | 10,000 | 101.07 | 1.90% | -0.04%↓ |
| Power Finance Corporation Ltd. | Financial | 10,000 | 100.99 | 1.90% | -0.04%↓ |
| Bharti Telecom Ltd. | Communication | 10,000 | 99.48 | 1.87% | -0.04%↓ |
| Power Grid Corporation Of India Ltd. | Energy | 10,000 | 98.87 | 1.86% | -0.03%↓ |
| Bank Of Baroda | Financial | 2,000 | 96.12 | 1.81% | -0.03%↓ |
| Power Grid Corporation Of India Ltd. | Energy | 12,500 | 88.89 | 1.68% | -0.03%↓ |
| REC Ltd. | Financial | 850 | 87.9 | 1.66% | -0.02%↓ |
| Power Finance Corporation Ltd. | Financial | 8,10,000 | 81.31 | 1.53% | -0.01%↓ |
| Mahindra & Mahindra Financial Services Ltd. | Financial | 7,500 | 75.36 | 1.42% | -0.04%↓ |
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Debt Holdings — Credit Quality Profile
Allocation of debt instruments by credit rating (AAA, AA, A, and below investment grade) as a percentage of net assets, compared against the category average. Higher AAA allocation indicates lower credit risk.
| Rating | Fund | Category |
|---|---|---|
| AAA | 74.70% | 67.14% |
| SOV | 16.59% | 12.57% |
| A1+ | 4.99% | 14.86% |
| Cash & Call Money | 3.32% | 4.95% |
| Others | 0.36% | 0.37% |
| AA | - | 0.16% |
| AA+ | - | 0.51% |
| AA- | - | 0.06% |
| Cash | - | -0.77% |
| Term Deposits | - | 0.04% |
Debt Insights
A detailed look at the debt holdings of this scheme — Is the scheme yielding enough? Includes credit quality, instrument breakdown and SEBI risk classification.
SEBI PRC matrix
Credit risk
| Interest risk | |||
|---|---|---|---|
| Low | Moderate | High | |
| Low | |||
| Moderate | |||
| High | |||
Instruments
| Full name | Description | Coupon rate | Maturity | Rating raw | Weight |
|---|---|---|---|---|---|
| National Bank For Agriculture & Rural Development | Bonds | 7.48% | 15/09/2028 | CRISIL AAA | 3.41% |
| National Bank For Agriculture & Rural Development | Debenture | 7.68% | 30/04/2029 | CRISIL AAA | 3.34% |
| Small Industries Devp. Bank of India Ltd. | Bonds | 0.00% | 04/06/2029 | CRISIL AAA | 3.32% |
| GOI | GOI Securities | 6.94% | 11/05/2036 | SOV | 3.15% |
| GOI | GOI Securities | 6.48% | 06/10/2035 | SOV | 3.14% |
| GOI | GOI Securities | 6.68% | 07/07/2040 | SOV | 2.94% |
| National Housing Bank | Non Convertible Debenture | 7.59% | 08/09/2027 | CRISIL AAA | 2.47% |
| REC Ltd. | Non Convertible Debenture | 7.77% | 31/03/2028 | CRISIL AAA | 2.38% |
| Small Industries Devp. Bank of India Ltd. | Bonds | 7.34% | 26/02/2029 | CRISIL AAA | 2.36% |
| Indian Railway Finance Corporation Ltd. | Non Convertible Debenture | 7.57% | 18/04/2029 | CRISIL AAA | 2.29% |
| Union Bank of India | Non Convertible Debenture | 7.80% | 29/11/2032 | ICRA AAA | 1.97% |
| Power Finance Corporation Ltd. | Debenture | 7.77% | 15/04/2028 | CRISIL AAA | 1.90% |
| Nuclear Power Corpn. Of India Ltd. | Non Convertible Debenture | 7.70% | 0 | ICRA AAA | 1.90% |
| Bharti Telecom Ltd. | Non Convertible Debenture | 7.85% | 20/03/2029 | CRISIL AAA | 1.87% |
| Power Grid Corporation Of India Ltd. | Bonds | 7.02% | 12/12/2035 | CRISIL AAA | 1.86% |
| Bank Of Baroda | Certificate of Deposit | 0.00% | 03/02/2027 | CARE A1+ | 1.81% |
| Power Grid Corporation Of India Ltd. | Non Convertible Debenture | 7.56% | 31/03/2033 | CRISIL AAA | 1.68% |
| REC Ltd. | Debenture | 8.54% | 15/11/2028 | CRISIL AAA | 1.66% |
| Power Finance Corporation Ltd. | Floating Rate Debenture | 0.00% | 22/01/2031 | CRISIL AAA | 1.53% |
| Export-Import Bank Of India | Debenture | 7.45% | 12/04/2028 | CRISIL AAA | 1.42% |
| Tata Capital Ltd. | Non Convertible Debenture | 0.00% | 21/02/2029 | CRISIL AAA | 1.42% |
| Mahindra & Mahindra Financial Services Ltd. | Debenture | 0.00% | 18/05/2029 | CRISIL AAA | 1.42% |
| ICICI Bank Ltd. | Debenture | 6.45% | 15/06/2028 | ICRA AAA | 1.40% |
| Indian Railway Finance Corporation Ltd. | Debenture | 7.55% | 06/11/2029 | CRISIL AAA | 1.34% |
| National Bank For Financing Infrastructure And Development | Debenture | 0.00% | 30/05/2030 | CRISIL AAA | 1.29% |
| Power Grid Corporation Of India Ltd. | Debenture | 7.40% | 17/02/2033 | CRISIL AAA | 1.22% |
| Indian Railway Finance Corporation Ltd. | Debenture | 8.45% | 04/12/2028 | CRISIL AAA | 1.21% |
| HDFC Bank Ltd. | Debenture | 7.86% | 02/12/2032 | CRISIL AAA | 1.15% |
| Small Industries Devp. Bank of India Ltd. | Debenture | 7.83% | 24/11/2028 | CRISIL AAA | 1.14% |
| HDFC Bank Ltd. | Debenture | 7.65% | 20/03/2034 | CRISIL AAA | 1.14% |
| Bajaj Housing Finance Ltd. | Debenture | 8.25% | 27/05/2031 | CRISIL AAA | 0.97% |
| REC Ltd. | Debenture | 7.58% | 31/05/2029 | ICRA AAA | 0.95% |
| REC Ltd. | Debenture | 7.55% | 31/03/2028 | CRISIL AAA | 0.95% |
| Export-Import Bank Of India | Non Convertible Debenture | 7.40% | 14/03/2029 | CRISIL AAA | 0.95% |
| National Housing Bank | Bonds | 7.20% | 03/10/2031 | CARE AAA | 0.95% |
| Jio Credit Ltd. | Non Convertible Debenture | 8.15% | 16/06/2031 | CRISIL AAA | 0.95% |
| National Housing Bank | Debenture | 7.59% | 14/07/2027 | CRISIL AAA | 0.95% |
| Small Industries Devp. Bank of India Ltd. | Bonds | 7.49% | 11/06/2029 | CRISIL AAA | 0.95% |
| Tamilnadu State | State Development Loan | 7.31% | 21/01/2033 | SOV | 0.94% |
| Tamilnadu State | State Development Loan | 7.12% | 18/02/2032 | SOV | 0.94% |
| Small Industries Devp. Bank of India Ltd. | Debenture | 7.22% | 10/04/2029 | CRISIL AAA | 0.94% |
| Siddhivinayak Securitisation Trust | Securitised Debt | 0.00% | 0 | CRISIL AAA(SO) | 0.93% |
| REC Ltd. | Debenture | 6.52% | 31/01/2028 | ICRA AAA | 0.93% |
| ICICI Bank Ltd. | Debenture | 6.67% | 26/11/2028 | ICRA AAA | 0.93% |
| Shivshakti Securitisation Trust | Securitised Debt | 0.00% | 0 | CRISIL AAA(SO) | 0.92% |
| Power Finance Corporation Ltd. | Debenture | 6.59% | 15/10/2030 | CRISIL AAA | 0.92% |
| Export-Import Bank Of India | Commercial Paper | 0.00% | 363-D 25/01/2027 | CRISIL A1+ | 0.91% |
| HDFC Bank Ltd. | Certificate of Deposit | 0.00% | 12/03/2027 | CARE A1+ | 0.90% |
| Canara Bank | Certificate of Deposit | 0.00% | 04/03/2027 | CRISIL A1+ | 0.90% |
| Indian Railway Finance Corporation Ltd. | Bonds | 0.00% | 01/12/2035 | CRISIL AAA | 0.83% |
| Kerala State | State Development Loan | 7.91% | 08/04/2030 | SOV | 0.78% |
| Kotak Mahindra Prime Ltd. | Non Convertible Debenture | 7.78% | 17/09/2029 | CRISIL AAA | 0.76% |
| Poonawalla Fincorp Ltd. | Non Convertible Debenture | 7.88% | 12/06/2028 | CRISIL AAA | 0.75% |
| Karnataka State | State Development Loan | 7.11% | 12/02/2033 | SOV | 0.74% |
| National Highways Authority of India Ltd. | Non Convertible Debenture | 7.70% | 13/09/2029 | CRISIL AAA | 0.58% |
| Andhra Pradesh State | State Development Loan | 7.06% | 04/03/2030 | SOV | 0.57% |
| Indian Railway Finance Corporation Ltd. | Debenture | 8.23% | 29/03/2029 | CRISIL AAA | 0.49% |
| National Bank For Agriculture & Rural Development | Bonds | 7.64% | 06/12/2029 | ICRA AAA | 0.48% |
| National Bank For Agriculture & Rural Development | Debenture | 7.62% | 10/05/2029 | CRISIL AAA | 0.48% |
| Power Finance Corporation Ltd. | Debenture | 7.64% | 22/02/2033 | CRISIL AAA | 0.48% |
| Gujarat State | State Development Loan | 7.66% | 10/01/2032 | SOV | 0.48% |
| HDFC Bank Ltd. | Debenture | 0.00% | 27/07/2032 | CRISIL AAA | 0.48% |
| Tamilnadu State | State Development Loan | 7.50% | 06/05/2032 | SOV | 0.48% |
| Power Finance Corporation Ltd. | Non Convertible Debenture | 7.60% | 13/04/2029 | CRISIL AAA | 0.48% |
| L&T Metro Rail (Hyderabad) Ltd. | Non Convertible Debenture | 7.55% | 28/04/2035 | CRISIL AAA(CE) | 0.47% |
| Export-Import Bank Of India | Bonds | 7.14% | 13/12/2029 | CRISIL AAA | 0.47% |
| National Bank For Agriculture & Rural Development | Bonds | 7.01% | 26-D 16/03/2029 | CRISIL AAA | 0.47% |
| Indian Railway Finance Corporation Ltd. | Debenture | 7.08% | 28/02/2030 | CRISIL AAA | 0.47% |
| Power Finance Corporation Ltd. | Bonds | 7.45% | 0 | CRISIL AAA | 0.47% |
| Indian Railway Finance Corporation Ltd. | Debenture | 7.68% | 24/11/2026 | CRISIL AAA | 0.47% |
| Gujarat State | State Development Loan | 7.17% | 04/02/2032 | SOV | 0.47% |
| Power Finance Corporation Ltd. | Debenture | 7.59% | 17/01/2028 | CRISIL AAA | 0.47% |
| Tamilnadu State | State Development Loan | 7.15% | 19/03/2033 | SOV | 0.47% |
| Axis Bank Ltd. | Certificate of Deposit | 0.00% | 02/09/2026 | CRISIL A1+ | 0.47% |
| NTPC Ltd. | Debenture | 6.43% | 27/01/2031 | CRISIL AAA | 0.46% |
| National Highways Infra Trust | Debenture | 0.00% | 30/01/2034 | CARE AAA | 0.40% |
| NHPC Ltd. | Non Convertible Debenture | 7.50% | 07/10/2028 | ICRA AAA | 0.38% |
| Numaligarh Refinery Ltd. | Non Convertible Debenture | 7.34% | 23/09/2035 | CRISIL AAA | 0.37% |
| Power Grid Corporation Of India Ltd. | Debenture | 7.49% | 25/10/2029 | CRISIL AAA | 0.29% |
| National Bank For Agriculture & Rural Development | Non Convertible Debenture | 8.20% | 09/03/2028 | CRISIL AAA | 0.29% |
| Karnataka State | State Development Loan | 7.13% | 20/08/2034 | SOV | 0.28% |
| HDFC Bank Ltd. | Non Convertible Debenture | 7.78% | 27/03/2027 | CRISIL AAA | 0.28% |
| ICICI Prudential Life Insurance Company Ltd. | Non Convertible Debenture | 7.69% | 28/11/2035 | CRISIL AAA | 0.24% |
| SBI Life Insurance Company Ltd. | Non Convertible Debenture | 8.35% | 21/02/2034 | CRISIL AAA | 0.23% |
| Power Grid Corporation Of India Ltd. | Debenture | 8.40% | 27/05/2029 | CRISIL AAA | 0.20% |
| Kerala State | State Development Loan | 8.48% | 08/08/2030 | SOV | 0.20% |
| Karnataka State | State Development Loan | 7.70% | 08/11/2033 | SOV | 0.19% |
| Andhra Pradesh State | State Development Loan | 7.15% | 04/03/2031 | SOV | 0.19% |
| REC Ltd. | Debenture | 8.55% | 09/08/2028 | CRISIL AAA | 0.19% |
| National Bank For Agriculture & Rural Development | Bonds | 7.44% | 24/02/2028 | CRISIL AAA | 0.19% |
| REC Ltd. | Debenture | 7.56% | 31/08/2027 | ICRA AAA | 0.19% |
| Maharashtra State | State Development Loan | 7.63% | 31/01/2036 | SOV | 0.17% |
| REC Ltd. | Debenture | 7.71% | 31/10/2033 | CRISIL AAA | 0.10% |
| National Bank For Agriculture & Rural Development | Debenture | 8.22% | 13/12/2028 | CRISIL AAA | 0.10% |
| Small Industries Devp. Bank of India Ltd. | Bonds | 7.51% | 12/06/2028 | CRISIL AAA | 0.09% |
| Tata Capital Housing Finance Ltd. | Debenture | 7.71% | 14/01/2028 | CRISIL AAA | 0.09% |
| LIC Housing Finance Ltd. | Debenture | 7.95% | 29/01/2028 | CRISIL AAA | 0.09% |
| Maharashtra State | State Development Loan | 7.49% | 07/02/2036 | SOV | 0.09% |
| GOI | GOI Securities | 6.68% | 27/01/2033 | SOV | 0.09% |
| Power Grid Corporation Of India Ltd. | Debenture | 7.36% | 18/10/2026 | CRISIL AAA | 0.09% |
| Karnataka State | State Development Loan | 7.04% | 26/03/2032 | SOV | 0.07% |
| GOI | GOI Securities | 7.32% | 13/11/2030 | SOV | 0.06% |
| Others | Interest Rate Swap | 0.00% | 0 | - | 0.05% |
| Maharashtra State | State Development Loan | 7.12% | 05/02/2036 | SOV | 0.05% |
| National Bank For Agriculture & Rural Development | Debenture | 7.62% | 31/01/2028 | CRISIL AAA | 0.04% |
| Others | Margin Money | 0.00% | 0 | - | 0.04% |
| Tamilnadu State | State Development Loan | 7.17% | 27/11/2029 | SOV | 0.04% |
| GOI | GOI Securities | 7.04% | 03/06/2029 | SOV | 0.03% |
| GOI | GOI Securities | 0.00% | 04/10/2028 | SOV | 0.02% |
| Karnataka State | State Development Loan | 7.44% | 28/02/2034 | SOV | 0.01% |
| NHPC Ltd. | Debenture | 8.12% | 22/03/2029 | CARE AAA | 0.00% |
| National Highways Authority of India Ltd. | Debenture | 8.27% | 28/03/2029 | CRISIL AAA | 0.00% |
Frequently Asked Questions
What are the top holdings of Nippon India Banking and PSU Fund Direct-Growth?
The top holdings of Nippon India Banking and PSU Fund Direct-Growth sorted by portfolio weight are listed in the Top Portfolio Holdings section of the Holdings tab.
How many stocks does Nippon India Banking and PSU Fund Direct-Growth hold in its portfolio?
Nippon India Banking and PSU Fund Direct-Growth holds 112 securities in its portfolio. The top 5 holdings account for 16.54% of the portfolio and the top 10 for 29.83% — a well-diversified portfolio that minimises stock-specific risk.
What is the sector allocation of Nippon India Banking and PSU Fund Direct-Growth?
The sector allocation of Nippon India Banking and PSU Fund Direct-Growth is in the Sector Allocation section, showing each industry's weight in the portfolio.
What is the equity and debt allocation of Nippon India Banking and PSU Fund Direct-Growth?
As of 30 Jun 2026, Nippon India Banking and PSU Fund Direct-Growth has 0.00% in equity, 96.69% in debt and 3.32% in cash/others. This asset mix determines the fund's overall risk-return profile. The debt portfolio has a yield to maturity (YTM) of 7.76%.
What is the market cap allocation of Nippon India Banking and PSU Fund Direct-Growth?
The market cap distribution of Nippon India Banking and PSU Fund Direct-Growth — Large, Mid and Small Cap — is shown as a chart in the Holdings Analysis section.
Is Nippon India Banking and PSU Fund Direct-Growth a concentrated or diversified fund?
Nippon India Banking and PSU Fund Direct-Growth holds 112 securities, with the top 10 accounting for 29.83% of the portfolio and the top 5 for 16.54%. With 112 holdings, this is a well-diversified fund — stock-specific risk is limited.
What is the credit quality of Nippon India Banking and PSU Fund Direct-Growth?
The debt holdings of Nippon India Banking and PSU Fund Direct-Growth are rated as follows — AAA: 74.70%, SOV: 16.59%, A1+: 4.99%, Cash & Call Money: 3.32%, and others. Higher allocation to AAA and sovereign instruments means lower credit risk. The full rating profile compared to the category average is in the Credit Rating section.
How often does Nippon India Banking and PSU Fund Direct-Growth change its portfolio?
The portfolio currently holds 112 securities with the top 10 accounting for 29.83% as of 30 Jun 2026. Portfolio turnover reflects how actively the fund manager trades. A high turnover increases transaction costs while a low turnover reflects a buy-and-hold approach. Historical asset allocation snapshots across multiple dates are in the Holdings Analysis section.
What is the PE ratio of Nippon India Banking and PSU Fund Direct-Growth's portfolio?
The portfolio-level PE, PB and debt metrics of Nippon India Banking and PSU Fund Direct-Growth are in the Holdings Analysis section. These help assess whether the portfolio is invested in relatively cheap or expensive securities.
When is the latest portfolio disclosure for Nippon India Banking and PSU Fund Direct-Growth?
The latest portfolio disclosure for Nippon India Banking and PSU Fund Direct-Growth is as of 30 Jun 2026. Mutual funds and ETFs in India are required to disclose their full portfolio monthly, within 10 business days of month-end. You can switch between historical disclosure dates using the date selector in the Top Portfolio Holdings section.