SBI PSU Fund SIP Calculator
Calculate historical returns and project future compounding for SBI PSU. Test different monthly amounts, tenures, and step-up scenarios using real historical NAV performance.
Category
Sectoral/Thematic (PSU)
AUM
₹3,870 Cr
Expense Ratio
0.41%
Fund Manager
Rohit Shimpi
SBI PSU Historical SIP Performance & Returns Table
Historical value of standard monthly SIP investments based on actual fund CAGRs.
| Monthly SIP | 3 Years @ 17.9% CAGR | 5 Years @ 21.8% CAGR | 10 Years @ 13.6% CAGR |
|---|---|---|---|
| ₹1,000/mo | ₹47,906 Invested: ₹36,000 | ₹1,08,868 Invested: ₹60,000 | ₹2,55,638 Invested: ₹1,20,000 |
| ₹2,500/mo | ₹1,19,765 Invested: ₹90,000 | ₹2,72,169 Invested: ₹1,50,000 | ₹6,39,096 Invested: ₹3,00,000 |
| ₹5,000/mo | ₹2,39,530 Invested: ₹1,80,000 | ₹5,44,338 Invested: ₹3,00,000 | ₹12,78,192 Invested: ₹6,00,000 |
| ₹10,000/mo | ₹4,79,060 Invested: ₹3,60,000 | ₹10,88,676 Invested: ₹6,00,000 | ₹25,56,383 Invested: ₹12,00,000 |
| ₹25,000/mo | ₹11,97,650 Invested: ₹9,00,000 | ₹27,21,689 Invested: ₹15,00,000 | ₹63,90,958 Invested: ₹30,00,000 |
* Projections calculated using actual historical 3-year (17.9%), 5-year (21.75%), and 10-year (13.59%) performance data. Actual mutual fund returns fluctuate with market NAV.
About SBI PSU Fund
A thematic equity fund from SBI Mutual Fund investing in Public Sector Undertakings (PSUs) — dominated by public sector banks riding India's government-led capital cycle.
Investment Strategy
Invests predominantly in PSU stocks, with public sector banks (SBI, Bank of Baroda, Canara Bank, PNB) making up nearly 85% of the portfolio, complemented by energy and defence PSUs.
Key Facts
- One of India's largest PSU-themed funds at ₹6,600+ crore AUM
- Public sector banks are ~85% of the portfolio
- Benchmark: BSE PSU TRI
- Expense ratio: 0.85% (Direct)
Historical Returns
3-Year CAGR
17.9%
5-Year CAGR
21.75%
10-Year CAGR
13.59%
Benchmark
BSE PSU TRI
Returns are illustrative based on historical performance. Actual returns may vary. Data as of August 2026. Verify with AMC before investing.
Top Holdings & Sector Allocation
As of September 2026, SBI PSU's portfolio includes:
Top 5 Holdings
- State Bank of India
- Bank of Baroda
- Canara Bank
- Punjab National Bank
- Union Bank of India
Sector Allocation
Extremely bank-heavy — SBI (25%), Bank of Baroda (16%), Canara Bank (13%) and PNB (11%) dominate, with energy and defence PSUs making up the balance.
Risk & Drawdowns
Very high volatility — annualized standard deviation ~20% — as the portfolio is concentrated in a handful of correlated public sector financials.
The fund fell over 45% in the March 2020 crash and suffered extended drawdowns through 2017-2020 when PSUs lagged private banks, before the 2021-26 PSU re-rating.
Tax Treatment
Equity fund — LTCG at 12.5% on gains above ₹1.25 lakh per year; STCG at 20%.
Who Should NOT Invest in SBI PSU?
Investors who already own PSU bank stocks, or who want diversified equity exposure rather than a single government-ownership theme.
About the Fund Manager
Rohit Shimpi has managed the fund for SBI Mutual Fund; he joined SBI after stints at CNBC TV18, JP Morgan's offshore research centre and HDFC Standard Life.
Who Is This Fund Suitable For?
Suitable for aggressive thematic investors with a 5+ year horizon who want concentrated exposure to the PSU re-rating and government capex theme.
More Funds from SBI & Similar Schemes
Similar Funds to Consider
- Aditya Birla Sun Life PSU Equity Fund
- Invesco India PSU Equity Fund
- Nippon India Power and Infra Fund
Or compare side by side using our main SIP calculator — you can test different funds with the same investment amount and dates to see which performed better.
Other Tools for SBI PSU Investors
- FIRE Calculator — Plan your retirement corpus with SBI PSU as part of your portfolio
- Cost of Delay Calculator — See how much delaying your SIP in SBI PSU could cost you
- SIP vs EMI Calculator — Compare investing in SBI PSU vs paying off loans
Frequently Asked Questions About SBI PSU
What is the historical SIP return of SBI PSU?
Based on the latest data, SBI PSU has delivered an annualized return (CAGR) of 17.9% over 3 years, 21.75% over 5 years, and 13.59% over 10 years. The fund fell over 45% in the March 2020 crash and suffered extended drawdowns through 2017-2020 when PSUs lagged private banks, before the 2021-26 PSU re-rating.
How is SBI PSU SIP return calculated?
SIP returns are calculated using the XIRR (Extended Internal Rate of Return) method. Each monthly installment buys units at the fund's Net Asset Value (NAV) on that specific day. When markets are down, your SIP buys more units, and when markets are up, it buys fewer units (rupee cost averaging). Our calculator replays this exact process using historical NAV data to compute the precise current value of your accumulated units.
How much return would ₹5,000 monthly SIP in SBI PSU generate over 5 years?
At an estimated annual return rate of 21.75%, a monthly ₹5,000 investment (₹3,00,000 total invested) would grow to approximately ₹5,44,338 in 5 years, yielding an estimated wealth gain of ₹2,44,338. Use our interactive calculator above to test custom amounts with actual historical NAV data.
What are the top holdings in SBI PSU?
SBI PSU's top holdings include State Bank of India, Bank of Baroda, Canara Bank, and Punjab National Bank. The fund's sector allocation is Extremely bank-heavy — SBI (25%), Bank of Baroda (16%), Canara Bank (13%) and PNB (11%) dominate, with energy and defence PSUs making up the balance..
What is the risk profile of SBI PSU?
Very high volatility — annualized standard deviation ~20% — as the portfolio is concentrated in a handful of correlated public sector financials. This fund may not be suitable for investors who already own psu bank stocks, or who want diversified equity exposure rather than a single government-ownership theme..
What are the tax implications of investing in SBI PSU?
Equity fund — LTCG at 12.5% on gains above ₹1.25 lakh per year; STCG at 20%.
Data last updated: September 2026 | Fund data sourced from AMFI and BSE public APIs
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