SBI Banking and PSU Fund Direct-Growth
Debt: Banking and PSU - Growth (Open ended) Factsheet
SEBI Riskometer: ModerateCategory: Debt: Banking and PSUBenchmark: Nifty Banking & PSU Debt Index A-II
NAV: ₹3,507.61-0.20%
08 Jul 2026
Holdings Analysis
Equity, debt and cash allocation snapshot with market cap distribution for SBI 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 | 96.80% | 81.21% | 97.44% | 94.83% | 94.99% | 97.85% |
| Others (incl. cash) | 3.20% | 18.79% | 2.56% | 5.17% | 5.01% | 2.15% |
| 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
47
Top Holding %
5.40%
Top 5 Holdings %
24.37%
Top 10 Holdings %
45.25%
Modified Duration
2.04 yrs
Avg. Maturity
3.86 yrs
Yield to Maturity
7.73%
AUM
₹3,976 Cr
Expense Ratio
0.41%
Since Inception
7.82%
Max Drawdown
-0.03%
Sharpe Ratio
0.91
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 |
|---|---|---|---|---|---|
| HDFC Bank Ltd. | Financial | 4,500 | 214.76 | 5.40% | 0.04%↑ |
| Union Bank of India | Financial | 4,000 | 190.84 | 4.80% | 0.03%↑ |
| Madhya Pradesh State | Others | 1,90,00,000 | 190.08 | 4.78% | - |
| Small Industries Devp. Bank of India Ltd. | Financial | 4,000 | 187.35 | 4.71% | - |
| Power Grid Corporation Of India Ltd. | Energy | 23,000 | 186.24 | 4.68% | 0.03%↑ |
| Tamilnadu State | Others | 1,75,00,000 | 178.38 | 4.49% | - |
| ONGC Petro Additions Ltd. | Energy | 17,500 | 175.6 | 4.42% | -0.00%↓ |
| GAIL (India) Ltd. | Energy | 1,750 | 175.59 | 4.42% | 0.02%↑ |
| GOI | Sovereign | 1,50,00,000 | 152.18 | 3.83% | - |
| India Infrastructure Finance Company Ltd. | Construction | 15,000 | 148.02 | 3.72% | 0.06%↑ |
| National Highways Infra Trust | Construction | 25,000 | 132.15 | 3.32% | 0.12%↑ |
| Power Finance Corporation Ltd. | Financial | 12,500 | 124.58 | 3.13% | 0.01%↑ |
| Equitas Small Finance Bank Ltd. | Financial | 2,500 | 123.02 | 3.09% | 0.01%↑ |
| National Bank For Agriculture & Rural Development | Financial | 10,000 | 100.48 | 2.53% | 1.90%↑ |
| Assam State | Others | 1,00,00,000 | 100.49 | 2.53% | - |
| Punjab National Bank | Financial | 95 | 95.71 | 2.41% | 0.02%↑ |
| Canara Bank | Financial | 2,000 | 95.51 | 2.40% | 0.01%↑ |
| National Bank For Agriculture & Rural Development | Financial | 9,500 | 95.45 | 2.40% | 0.00%↑ |
| Union Bank of India | Financial | 2,000 | 95.49 | 2.40% | 0.01%↑ |
| Canara Bank | Financial | 2,000 | 95.5 | 2.40% | 0.01%↑ |
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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 | 42.93% | 67.14% |
| A1+ | 25.20% | 14.86% |
| SOV | 22.48% | 12.57% |
| AA+ | 4.68% | 0.51% |
| Cash & Call Money | 3.20% | 4.95% |
| AA- | 1.13% | 0.06% |
| Others | 0.38% | 0.37% |
| AA | - | 0.16% |
| 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 |
|---|---|---|---|---|---|
| HDFC Bank Ltd. | Certificate of Deposit | 0.00% | 12/03/2027 | CRISIL A1+ | 5.40% |
| Union Bank of India | Commercial Paper | 0.00% | 16/03/2027 | [ICRA]A1+ | 4.80% |
| Madhya Pradesh State | State Development Loan | 6.95% | 07/01/2030 | SOV | 4.78% |
| Small Industries Devp. Bank of India Ltd. | Certificate of Deposit | 0.00% | 11/06/2027 | CRISIL A1+ | 4.71% |
| Power Grid Corporation Of India Ltd. | Debenture | 7.65% | 11/01/2034 | CRISIL AAA | 4.68% |
| Tamilnadu State | State Development Loan | 7.74% | 03/06/2036 | SOV | 4.49% |
| GAIL (India) Ltd. | Debenture | 7.34% | 20/12/2027 | IND AAA | 4.42% |
| ONGC Petro Additions Ltd. | Debenture | 8.29% | 25/01/2027 | CRISIL AA+ | 4.42% |
| GOI | GOI Securities | 6.94% | 11/05/2036 | SOV | 3.83% |
| India Infrastructure Finance Company Ltd. | Bonds | 6.99% | 31/07/2030 | IND AAA | 3.72% |
| National Highways Infra Trust | Debenture | 0.00% | 30/01/2035 | IND AAA | 3.32% |
| Power Finance Corporation Ltd. | Debenture | 6.96% | 02/03/2028 | CRISIL AAA | 3.13% |
| Equitas Small Finance Bank Ltd. | Certificate of Deposit | 0.00% | 21/09/2026 | CRISIL A1+ | 3.09% |
| Assam State | State Development Loan | 7.11% | 05/02/2030 | SOV | 2.53% |
| National Bank For Agriculture & Rural Development | Bonds | 7.48% | 15/09/2028 | CRISIL AAA | 2.53% |
| Punjab National Bank | Debenture | 7.10% | 18/11/2031 | CRISIL AAA | 2.41% |
| Union Bank of India | Certificate of Deposit | 0.00% | 0 | [ICRA]A1+ | 2.40% |
| Canara Bank | Certificate of Deposit | 0.00% | 11/03/2027 | CRISIL A1+ | 2.40% |
| Canara Bank | Certificate of Deposit | 0.00% | 12/03/2027 | CRISIL A1+ | 2.40% |
| National Bank For Agriculture & Rural Development | Debenture | 7.70% | 30/09/2027 | [ICRA]AAA | 2.40% |
| National Bank For Agriculture & Rural Development | Bonds | 7.44% | 24/02/2028 | CRISIL AAA | 2.02% |
| Maharashtra State | State Development Loan | 7.35% | 08/04/2031 | SOV | 1.91% |
| REC Ltd. | Non Convertible Debenture | 7.77% | 31/03/2028 | CRISIL AAA | 1.91% |
| REC Ltd. | Bonds | 7.71% | 26/02/2027 | CRISIL AAA | 1.89% |
| GOI | GOI Securities | 6.90% | 15/04/2065 | SOV | 1.52% |
| HDFC Bank Ltd. | Debenture | 7.80% | 03/05/2033 | CRISIL AAA | 1.28% |
| Small Industries Devp. Bank of India Ltd. | Debenture | 7.79% | 14/05/2027 | CRISIL AAA | 1.26% |
| Haryana State | State Development Loan | 6.79% | 11/03/2030 | SOV | 1.25% |
| Yes Bank Ltd. | Bonds | 8.00% | 30/09/2026 | CRISIL AA- | 1.13% |
| NHPC Ltd. | Non Convertible Debenture | 7.38% | 03/01/2028 | [ICRA]AAA | 1.09% |
| National Bank For Agriculture & Rural Development | Bonds | 7.01% | 26-D 16/03/2029 | CRISIL AAA | 1.00% |
| Small Industries Devp. Bank of India Ltd. | Bonds/NCDs | 0.00% | 18/06/2031 | CRISIL AAA | 0.93% |
| Telangana State | State Development Loan | 7.45% | 07/09/2030 | SOV | 0.90% |
| Small Industries Devp. Bank of India Ltd. | Debenture | 7.75% | 10/06/2027 | CRISIL AAA | 0.88% |
| Power Grid Corporation Of India Ltd. | Bonds | 7.55% | 23/04/2034 | CRISIL AAA | 0.71% |
| State Bank of India | Debenture | 7.81% | 02/11/2038 | CRISIL AAA | 0.65% |
| Maharashtra State | State Development Loan | 7.63% | 31/01/2036 | SOV | 0.64% |
| Tamilnadu State | State Development Loan | 7.50% | 28/01/2036 | SOV | 0.63% |
| NHPC Ltd. | Non Convertible Debenture | 7.50% | 07/10/2027 | [ICRA]AAA | 0.63% |
| Nuclear Power Corpn. Of India Ltd. | Bonds | 7.25% | 15/12/2028 | CRISIL AAA | 0.63% |
| REC Ltd. | Debenture | 7.55% | 31/03/2028 | CRISIL AAA | 0.63% |
| REC Ltd. | Bonds | 7.95% | 12/03/2027 | CRISIL AAA | 0.63% |
| Canara Bank | Additional Tier 1 Bond | 8.40% | 0 | CRISIL AA+ | 0.26% |
| Power Grid Corporation Of India Ltd. | Bonds | 9.30% | 28/06/2027 | CRISIL AAA | 0.13% |
| NHPC Ltd. | Non Convertible Debenture | 7.38% | 03/01/2029 | [ICRA]AAA | 0.05% |
Frequently Asked Questions
What are the top holdings of SBI Banking and PSU Fund Direct-Growth?
The top holdings of SBI 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 SBI Banking and PSU Fund Direct-Growth hold in its portfolio?
SBI Banking and PSU Fund Direct-Growth holds 47 securities in its portfolio. The top 5 holdings account for 24.37% of the portfolio and the top 10 for 45.25%.
What is the sector allocation of SBI Banking and PSU Fund Direct-Growth?
The sector allocation of SBI 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 SBI Banking and PSU Fund Direct-Growth?
As of 30 Jun 2026, SBI Banking and PSU Fund Direct-Growth has 0.00% in equity, 96.80% in debt and 3.20% in cash/others. This asset mix determines the fund's overall risk-return profile. The debt portfolio has a yield to maturity (YTM) of 7.73%.
What is the market cap allocation of SBI Banking and PSU Fund Direct-Growth?
The market cap distribution of SBI Banking and PSU Fund Direct-Growth — Large, Mid and Small Cap — is shown as a chart in the Holdings Analysis section.
Is SBI Banking and PSU Fund Direct-Growth a concentrated or diversified fund?
SBI Banking and PSU Fund Direct-Growth holds 47 securities, with the top 10 accounting for 45.25% of the portfolio and the top 5 for 24.37%. This is a moderately diversified fund balancing conviction positions with risk spread.
What is the credit quality of SBI Banking and PSU Fund Direct-Growth?
The debt holdings of SBI Banking and PSU Fund Direct-Growth are rated as follows — AAA: 42.93%, A1+: 25.20%, SOV: 22.48%, AA+: 4.68%, 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 SBI Banking and PSU Fund Direct-Growth change its portfolio?
The portfolio currently holds 47 securities with the top 10 accounting for 45.25% 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 SBI Banking and PSU Fund Direct-Growth's portfolio?
The portfolio-level PE, PB and debt metrics of SBI 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 SBI Banking and PSU Fund Direct-Growth?
The latest portfolio disclosure for SBI 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.