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Nippon India Banking and PSU Fund- Growth Plan- Growth Option is a debt scheme managed by Nippon India Mutual Fund. Three-year compounded annual return is 6.38%, placing it in the 33rd percentile of Debt peers. It has ranked in the top half of its category for 6 of the last 10 reported years. The total expense ratio is 0.79% on assets of ₹5,164Cr. The fund is currently managed by Pranay Sinha, appointed within the last year.
Lower is better.
| Holding | Sector | Weight |
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Point-in-time CAGRs cherry-pick a single start date. The chart below shows the distribution of every possible rolling start over the fund's history, so you see the range of investor outcomes — not just one date's number.
Backtested SIP outcomes across both rolling-window scenarios and named historical stress events (COVID, Election uncertainty, Russia/Ukraine, etc.), plus per-manager alpha during their tenure on this scheme.
| Scheme | AMC | AUM | TER | 3Y |
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Mutual fund investments are subject to market risks. Read all scheme-related documents carefully. Past performance is not indicative of future results. MintByte is an AMFI-registered Mutual Fund Distributor (ARN-314872) and APMI member (APRN-01658). MintByte does not issue buy/sell recommendations on specific securities — the site is an educational data and analytics platform. Star ratings on this page reflect a 3-year category-quartile position computed in-house and are educational only.
Mutual fund schemes are subject to market risk. Read all scheme-related documents carefully before investing. Past performance is not indicative of future results. MintByte is an AMFI-registered mutual fund distributor (ARN-314872). MintByte does not issue buy/sell recommendations on specific securities — the site is an educational data and analytics platform. Not investment advice. Methodology · How we earn.
In-house derivations using 3-year daily NAV vs benchmark. See methodology.
| 7.68% National Bank For Agriculture and Rural Development | CRISIL AAA | 3.39% |
| 7.48% National Bank For Agriculture and Rural Development | CRISIL AAA | 2.99% |
| 7.47% Small Industries Dev Bank of India | CRISIL AAA | 2.50% |
| 7.77% REC Limited | CRISIL AAA | 2.43% |
| 7.34% Small Industries Dev Bank of India | CRISIL AAA | 2.40% |
| 7.57% Indian Railway Finance Corporation Limited | CRISIL AAA | 2.33% |
| 7.8% Union Bank of India | ICRA AAA | 1.97% |
| 7.7% Nuclear Power Corporation Of India Limited | ICRA AAA | 1.95% |
| 7.77% Power Finance Corporation Limited | CRISIL AAA | 1.95% |
| 7.85% Bharti Telecom Limited | CRISIL AAA | 1.93% |
| 7.35% National Housing Bank | CARE AAA | 1.91% |
| 7.02% Power Grid Corporation of India Limited | CRISIL AAA | 1.89% |
| Bank of Baroda | Financial Services | 1.84% |
| 7.56% Power Grid Corporation of India Limited | CRISIL AAA | 1.76% |
| 8.54% REC Limited | CRISIL AAA | 1.69% |
| Power Finance Corporation Limited | Financial Services | 1.54% |
| 7.96% State Government Securities | SOVEREIGN | 1.47% |
| 7.45% Export Import Bank of India | CRISIL AAA | 1.46% |
| 6.52% REC Limited | ICRA AAA | 1.43% |
| 7.17% State Government Securities | SOVEREIGN | 1.43% |
| 6.45% ICICI Bank Limited | ICRA AAA | 1.42% |
| 7.55% Indian Railway Finance Corporation Limited | CRISIL AAA | 1.36% |
| 6.67% National Bank For Financing Infrastructure And Development | CRISIL AAA | 1.31% |
| 7.4% Power Grid Corporation of India Limited | CRISIL AAA | 1.29% |
| 8.45% Indian Railway Finance Corporation Limited | CRISIL AAA | 1.24% |
| Sector | Holdings | Weight |
|---|---|---|
| CRISIL AAA | 59 | 55.23% |
| SOVEREIGN | 23 | 10.93% |
| ICRA AAA | 10 | 10.22% |
| CARE AAA | 3 | 3.26% |
| CARE A1+ | 2 | 2.75% |
| CRISIL AAA(SO) | 2 | 1.90% |
| CRISIL A1+ | 2 | 1.83% |
| CRISIL AAA(CE) | 1 | 0.47% |
Active bets vs the average Debt fund. Biggest deviations shown first.
Accent bar = fund's actual sector weight. Vertical black tick = category average for the same sector. Green overlay = overweight, dashed red = underweight. The biggest active bets show first.
How crowded into the same stocks is this fund vs the largest fund in its category?
Category leader = highest-AUM scheme in the same SEBI category. A high overlap-of-weight number means the fund is concentrated into the same names as the leader (crowded); a low one means it's genuinely differentiated.
Each cell is one year. Q1 = top quartile within the AMFI category for that period. Cell label is the last two digits of the year.
Top-10 weight 23.8% means the portfolio is broad — even the top names don't dominate. Effective-N is the inverse Herfindahl index — a measure of "how many positions effectively drive the fund" after weighting. Category: Debt.
Compounding maths on a notional ₹10 lakh lumpsum at 12% gross annual return. Green bar is what you'd have without the fee; red overlay is the fee drag. Fee is constant in this scenario — actual outcomes depend on real returns and any future TER changes.
Alpha is the annualised excess return vs benchmark over the manager's tenure on this scheme. Beat-benchmark = total return beat the index over the same window.
Does the fund get worse as it gets bigger? Each dot is one historical manager-tenure: AUM at tenure-end vs alpha delivered during that tenure.
Correlation is too weak to confirm or rule out capacity-driven alpha decay. Re-evaluate as more manager-tenure data accumulates.
Each dot is one manager-tenure: X = AUM at tenure end, Y = alpha during that tenure. Connecting line in chronological order. Pearson r measures the linear relationship between AUM and alpha across the historical record. n = 2 data points.
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