SBI Banking & PSU Debt Fund vs Franklin India Banking & PSU Debt Fund
SBI Banking & PSU Debt Fund (Direct) and Franklin India Banking & PSU Debt Fund (Direct) head to head: growth of ₹100, returns across every window, risk, cost, and portfolio overlap — every figure computed from AMFI NAV history, nothing supplied by a fund house. Both are Banking and PSU Fund schemes — see the best banking & psu mutual funds for the full ranking.
Head to head
NAVs as of 22 Oct 2026
Growth of ₹100 (rebased over the selected window)
Common period 25 Apr 2014 – 22 Oct 2026, limited by Franklin India Banking & PSU Debt Fund. Every series is rebased to ₹100 at the start of this window.
View as table
| Date | SBI Banking & PSU Debt Fund | Franklin India Banking & PSU Debt Fund |
|---|---|---|
| 25 Apr 2014 | ₹100.00 | ₹100.00 |
| 10 May 2015 | ₹110.21 | ₹110.75 |
| 25 May 2016 | ₹120.88 | ₹121.08 |
| 09 Jun 2017 | ₹131.47 | ₹133.08 |
| 24 Jun 2018 | ₹140.63 | ₹139.57 |
| 09 Jul 2019 | ₹155.27 | ₹156.63 |
| 24 Jul 2020 | ₹174.94 | ₹175.56 |
| 08 Aug 2021 | ₹182.77 | ₹183.67 |
| 23 Aug 2022 | ₹187.85 | ₹190.41 |
| 07 Sep 2023 | ₹200.88 | ₹203.25 |
| 22 Sep 2024 | ₹217.62 | ₹219.86 |
| 07 Oct 2025 | ₹236.79 | ₹239.29 |
| 22 Oct 2026 | ₹247.87 | ₹252.79 |
| Metric | SBI · Direct NAV ₹3,534.68 Low to Moderate risk ★★★★☆ | Franklin Templeton · Direct NAV ₹25.28 Low to Moderate risk ★★★★★ | Category median Banking and PSU Fund · 20 funds |
|---|---|---|---|
| +4.27% | +5.23%Best in row | +3.86% | |
| +7.06% | +7.30%Best in row | +6.88% | |
| +6.11% | +6.38%Best in row | +6.10% | |
| +7.05% | +7.16%Best in row | +7.02% | |
| +7.65% | +7.71% | +7.41% | |
| +6.58% | +6.89%Best in row | — | |
| +7.53% | +7.52% | +7.52% | |
| +7.45% | +7.49% | +7.45% | |
| +7.52% | +7.56% | +7.55% | |
| Risk | |||
| 1.02% | 1.00% | 1.08% | |
| 0.55 | 0.80Best in row | 0.35 | |
| 0.82 | 1.21Best in row | 0.50 | |
| -3.20% | -3.64% | -2.96% | |
| 0.41% | 0.23%Best in row | 0.35% | |
| ₹2,687Cr | ₹576.51Cr | ₹2,902Cr | |
| Rajeev Radhakrishnan · 12.9y | Sandeep Manam | — | |
| 09 Oct 2009 | 25 Apr 2014 | — | |
| 9.8% | 5.8% | — | |
12 rows carry the same value for every fund — show
- Benchmark
- —
- Alpha
- —
- Beta
- —
- Upside capture
- —
- Downside capture
- —
- Exit load
- None
- Lock-in
- None
- Min SIP
- ₹500
- Min lumpsum
- ₹5.00K
- Portfolio turnover
- —
- Holdings
- —
- Top 10 weight
- —
Best marks the strongest value in a row, and only where the gap is bigger than noise — a near-tie is left unmarked rather than dressed up as a result. SIP XIRR is a ₹10,000/month instalment over 5 years of real NAV history. Nothing here is supplied by a fund house. For research only — not investment advice.
Frequently asked questions
Which fund has delivered higher returns — SBI Banking & PSU Debt Fund or Franklin India Banking & PSU Debt Fund?
Over the last 3 years, Franklin India Banking & PSU Debt Fund returned +7.30% CAGR against SBI Banking & PSU Debt Fund's +7.06%, computed from AMFI NAV history. Over 5 years: SBI Banking & PSU Debt Fund +6.11% vs Franklin India Banking & PSU Debt Fund +6.38% CAGR. Past returns don't guarantee future performance.
Which fund is cheaper — SBI Banking & PSU Debt Fund or Franklin India Banking & PSU Debt Fund?
Franklin India Banking & PSU Debt Fund has the lower expense ratio: SBI Banking & PSU Debt Fund charges 0.41% a year against Franklin India Banking & PSU Debt Fund's 0.23%. The expense ratio is deducted from the NAV daily, so a lower one compounds in the investor's favour.
Which fund is riskier — SBI Banking & PSU Debt Fund or Franklin India Banking & PSU Debt Fund?
SBI Banking & PSU Debt Fund has shown higher volatility (+1.02% annualized vs Franklin India Banking & PSU Debt Fund's +1.00%), measured as the annualized standard deviation of daily returns over the trailing 3 years. Worst 3-year drawdown: SBI Banking & PSU Debt Fund -0.60% vs Franklin India Banking & PSU Debt Fund -0.62%.
Which fund manages more money — SBI Banking & PSU Debt Fund or Franklin India Banking & PSU Debt Fund?
SBI Banking & PSU Debt Fund is the larger fund: SBI Banking & PSU Debt Fund manages ₹2,687Cr against Franklin India Banking & PSU Debt Fund's ₹576.51Cr in assets. Size cuts both ways — scale lowers costs, but a very large fund can find it harder to move in and out of positions.
Are SBI Banking & PSU Debt Fund and Franklin India Banking & PSU Debt Fund in the same category?
Yes — both are Banking and PSU Fund schemes, so their returns, risk and cost are directly comparable against the same peer set.
Figures update daily from AMFI NAV history; ratings and ranks are WealthTicker’s own — see the methodology. This is data, not investment advice.