Nippon India Banking and PSU Fund - Regular Plan - Growth

Regular

Regular and Direct options of the funds are exactly same except commission to your mutual fund broker/distributor. As an investor you do not need to pay any additional fees to purchase any of these options. However both have different expense ratios. Regular funds have higher expense ratio and direct funds have lower expense ratio. This difference is because of commission paid to broker/distributor. Lower expense ratio leads to higher returns for investors.
Direct

Regular and Direct options of the funds are exactly same except commission to your mutual fund broker/distributor. As an investor you do not need to pay any additional fees to purchase any of these options. However both have different expense ratios. Regular funds have higher expense ratio and direct funds have lower expense ratio. This difference is because of commission paid to broker/distributor. Lower expense ratio leads to higher returns for investors.

No of Debt Holding 105 (Category Avg - 60.76) | Modified Duration 3.58 Years (Category Avg - 2.93)| Yield to Maturity 6.77% (Category Avg - 6.66%)

Portfolio Summary (as on 30th Nov,2025)

Security Type	% Weight	Category Average
GOI	17.12%	14.57%
CD	0.85%	5.77%
T-Bills	0.00%	0.04%
CP	0.00%	0.09%
NCD & Bonds	71.30%	73.55%
PTC	1.82%	0.84%

Category - Banking and PSU Fund

Security Type	% Weight	Category Average
Government Backed	17.12%	14.60%
Low Risk	73.97%	80.25%
Moderate Risk	0.00%	0.00%
High Risk	0.00%	0.00%
Very High Risk	0.00%	0.00%
Others	0.00%	0.00%

Category - Banking and PSU Fund

Debt holding in Portfolio (as on 30th Nov,2025)

Instrument	Type	Sector	Rating	Rating Agency	Value (Mn)	% of Total Holding	Quantity
Bond - Govt of India	GOI	Other			2784.72	4.99%	2.85 Cr
Bond - National Bank for Agriculture & Rural Development	NCD & Bonds	Financial institution	AAA	CRISIL	1797.89	3.22%	17.50 k
Bond - National Housing Bank	NCD & Bonds	Financial institution	AAA	CRISIL	1778.75	3.19%	17.50 k
Bond - National Bank for Agriculture & Rural Development	NCD & Bonds	Financial institution	AAA	CRISIL	1681.33	3.01%	16.50 k
Bond - Govt of India	GOI	Other			1588.58	2.85%	1.53 Cr
Bond - Small Industries Development Bank Of India	NCD & Bonds	Financial institution	AAA	CRISIL	1329.94	2.38%	13.00 k
Bond - Rural Electrification Corporation Limited	NCD & Bonds	Financial institution	AAA	CRISIL	1279.96	2.29%	12.50 k
Bond - Small Industries Development Bank Of India	NCD & Bonds	Financial institution	AAA	CRISIL	1272.31	2.28%	12.50 k
Bond - Indian Railway Finance Corporation Ltd.	NCD & Bonds	Financial institution	AAA	CRISIL	1230.02	2.20%	12.00 k
Bond - Nuclear Power Corporation of India Limited	NCD & Bonds	Power generation	LAAA	ICRA	1024.18	1.83%	10.00 k
Bond - Power Finance Corporation Ltd.	NCD & Bonds	Financial institution	AAA	CRISIL	1023.86	1.83%	10.00 k
Bond - National Housing Bank	NCD & Bonds	Financial institution	CARE AAA	CARE	1021.53	1.83%	10.00 k
Bond - Indian Railway Finance Corporation Ltd.	NCD & Bonds	Financial institution	AAA	CRISIL	1020.17	1.83%	10.00 k
Bond - National Thermal Power Corporation Ltd.	NCD & Bonds	Power generation	AAA	CRISIL	1006.48	1.80%	10.00 k
Bond - Govt of India	GOI	Other			975.38	1.75%	95.00 L
Bond - Power Grid Corporation of India Ltd.	NCD & Bonds	Power - transmission	AAA	CRISIL	961.81	1.72%	12.50 k
Bond - Small Industries Development Bank Of India	NCD & Bonds	Financial institution	AAA	CRISIL	927.84	1.66%	9.00 k
Bond - Rural Electrification Corporation Limited	NCD & Bonds	Financial institution	AAA	CRISIL	895.37	1.60%	850.00
Bond - Power Finance Corporation Ltd.	NCD & Bonds	Financial institution	AAA	CRISIL	823.59	1.48%	8.10 L
Bond - Govt of India	GOI	Other			804.63	1.44%	80.00 L
Bond - Export Import Bank Of India	NCD & Bonds	Financial institution	AAA	CRISIL	765.33	1.37%	7.50 k
Bond - Rural Electrification Corporation Limited	NCD & Bonds	Financial institution	LAAA	ICRA	748.76	1.34%	7.50 k
Bond - ICICI Bank Ltd.	NCD & Bonds	Private sector bank	LAAA	ICRA	743.92	1.33%	750.00
Bond - Indian Railway Finance Corporation Ltd.	NCD & Bonds	Financial institution	AAA	CRISIL	718.91	1.29%	700.00
Bond - Power Grid Corporation of India Ltd.	NCD & Bonds	Power - transmission	AAA	CRISIL	702.67	1.26%	9.50 k
Bond - National Bank for Financing Infrastructure and Development	NCD & Bonds	Non banking financial company (nbfc)	AAA	CRISIL	695.22	1.25%	7.00 k
Bond - HDFC Bank Ltd.	NCD & Bonds	Private sector bank	AAA	CRISIL	620.43	1.11%	60.00
Bond - Govt of India	GOI	Other			618.50	1.11%	60.00 L
Bond - HDFC Bank Ltd.	NCD & Bonds	Private sector bank	AAA	CRISIL	614.79	1.10%	6.00 k
Bond - National Bank for Agriculture & Rural Development	NCD & Bonds	Financial institution	AAA	CRISIL	609.03	1.09%	6.00 k
Bond - Rural Electrification Corporation Limited	NCD & Bonds	Financial institution	AAA	CRISIL	559.44	1.00%	5.50 k
Bond - Rural Electrification Corporation Limited	NCD & Bonds	Financial institution	LAAA	ICRA	512.71	0.92%	5.00 k
Bond - Small Industries Development Bank Of India	NCD & Bonds	Financial institution	AAA	CRISIL	511.32	0.92%	5.00 k
Bond - Export Import Bank Of India	NCD & Bonds	Financial institution	AAA	CRISIL	510.98	0.92%	5.00 k
Bond - Rural Electrification Corporation Limited	NCD & Bonds	Financial institution	AAA	CRISIL	509.69	0.91%	500.00
Bond - National Housing Bank	NCD & Bonds	Financial institution	CARE AAA	CARE	508.75	0.91%	5.00 k
Bond - Power Finance Corporation Ltd.	NCD & Bonds	Financial institution	AAA	CRISIL	508.43	0.91%	5.00 k
Bond - National Housing Bank	NCD & Bonds	Financial institution	AAA	CRISIL	507.48	0.91%	5.00 k
Bond - Shivshakti Securitisation Trust	PTC	Ptc	AAA	CRISIL	507.48	0.91%	50.00
Bond - Siddhivinayak Securitisation Trust	PTC	Ptc	AAA	CRISIL	507.47	0.91%	50.00
Bond - HDB Financial Services Ltd.	NCD & Bonds	Non banking financial company (nbfc)	AAA	CRISIL	502.60	0.90%	5.00 k
Bond - Power Finance Corporation Ltd.	NCD & Bonds	Financial institution	AAA	CRISIL	502.59	0.90%	500.00
Bond - ICICI Bank Ltd.	NCD & Bonds	Private sector bank	LAAA	ICRA	498.31	0.89%	500.00
Bond - National Housing Bank	NCD & Bonds	Financial institution	CARE AAA	CARE	497.27	0.89%	5.00 k
Bond - National Bank for Agriculture & Rural Development	NCD & Bonds	Financial institution	AAA	CRISIL	478.56	0.86%	4.70 k
Bond - Bank Of Baroda	CD	Public sector bank	F1+	FITCH	471.97	0.85%	1.00 k
Bond - Sbi General Insurance Company Ltd.	NCD & Bonds	General insurance	AAA	CRISIL	461.50	0.83%	4.50 k
Bond - Indian Railway Finance Corporation Ltd.	NCD & Bonds	Financial institution	AAA	CRISIL	451.27	0.81%	450.00
Bond - Govt of India	GOI	Other			421.29	0.75%	42.00 L
Bond - Kotak Mahindra Prime Ltd.	NCD & Bonds	Non banking financial company (nbfc)	AAA	CRISIL	407.70	0.73%	4.00 k
Bond - Govt of India	GOI	Other			304.18	0.54%	30.00 L
Bond - Govt of India	GOI	Other			269.57	0.48%	26.60 L
Bond - Govt of India	GOI	Other			262.62	0.47%	25.00 L
Bond - Govt of India	GOI	Other			260.43	0.47%	25.00 L
Bond - Indian Railway Finance Corporation Ltd.	NCD & Bonds	Financial institution	AAA	CRISIL	260.98	0.47%	250.00
Bond - HDFC Bank Ltd.	NCD & Bonds	Private sector bank	AAA	CRISIL	260.59	0.47%	250.00
Bond - National Highways Authority of India	NCD & Bonds	Road assets–toll, annuity, hybrid-annuity	AAA	CRISIL	258.62	0.46%	250.00
Bond - Power Finance Corporation Ltd.	NCD & Bonds	Financial institution	AAA	CRISIL	257.65	0.46%	2.50 k
Bond - Power Finance Corporation Ltd.	NCD & Bonds	Financial institution	AAA	CRISIL	256.53	0.46%	2.50 k
Bond - National Bank for Agriculture & Rural Development	NCD & Bonds	Financial institution	AAA	CRISIL	256.44	0.46%	2.50 k
Bond - Power Finance Corporation Ltd.	NCD & Bonds	Financial institution	AAA	CRISIL	254.68	0.46%	250.00
Bond - Power Finance Corporation Ltd.	NCD & Bonds	Financial institution	AAA	CRISIL	254.63	0.46%	2.50 k
Bond - Small Industries Development Bank Of India	NCD & Bonds	Financial institution	AAA	CRISIL	254.09	0.46%	2.50 k
Bond - Export Import Bank Of India	NCD & Bonds	Financial institution	AAA	CRISIL	254.01	0.46%	2.50 k
Bond - Aditya Birla Finance Ltd.	NCD & Bonds	Non banking financial company (nbfc)	LAAA	ICRA	253.31	0.45%	250.00
Bond - Power Finance Corporation Ltd.	NCD & Bonds	Financial institution	AAA	CRISIL	252.84	0.45%	2.50 k
Bond - Indian Railway Finance Corporation Ltd.	NCD & Bonds	Financial institution	AAA	CRISIL	252.59	0.45%	2.50 k
Bond - Indian Railway Finance Corporation Ltd.	NCD & Bonds	Financial institution	AAA	CRISIL	252.50	0.45%	250.00
Bond - L&T Metro Rail (Hyderabad) Ltd.	NCD & Bonds	Civil construction	AAA	CRISIL	251.19	0.45%	2.50 k
Bond - Bajaj Finance Ltd.	NCD & Bonds	Non banking financial company (nbfc)	AAA	CRISIL	250.76	0.45%	2.50 k
Bond - Power Finance Corporation Ltd.	NCD & Bonds	Financial institution	AAA	CRISIL	249.62	0.45%	625.00
Bond - Govt of India	GOI	Other			251.12	0.45%	25.00 L
Bond - Indian Railway Finance Corporation Ltd.	NCD & Bonds	Financial institution	AAA	CRISIL	248.09	0.44%	250.00
Bond - Indian Railway Finance Corporation Ltd.	NCD & Bonds	Financial institution	AAA	CRISIL	245.31	0.44%	250.00
Bond - ICICI Prudential Life Insurance Co Ltd.	NCD & Bonds	Life insurance	AAA	CRISIL	225.03	0.40%	2.25 k
Bond - National Highways Infra Trust	NCD & Bonds	Road assets–toll, annuity, hybrid-annuity	CARE AAA	CARE	208.09	0.37%	3.75 k
Bond - Numaligarh Refinery Ltd.	NCD & Bonds	Refineries & marketing	AAA	CRISIL	201.34	0.36%	2.00 k
Bond - Govt of India	GOI	Other			154.60	0.28%	15.14 L
Bond - National Bank for Agriculture & Rural Development	NCD & Bonds	Financial institution	AAA	CRISIL	155.08	0.28%	150.00
Bond - Power Grid Corporation of India Ltd.	NCD & Bonds	Power - transmission	AAA	CRISIL	154.51	0.28%	500.00
Bond - HDFC Bank Ltd.	NCD & Bonds	Private sector bank	AAA	CRISIL	151.82	0.27%	15.00
Bond - Small Industries Development Bank Of India	NCD & Bonds	Financial institution	LAAA	ICRA	150.33	0.27%	150.00
Bond - Govt of India	GOI	Other			150.03	0.27%	15.00 L
Bond - Govt of India	GOI	Other			144.22	0.26%	14.00 L
Bond - Govt of India	GOI	Other			106.92	0.19%	10.00 L
Bond - Govt of India	GOI	Other			103.77	0.19%	10.00 L
Bond - Power Grid Corporation of India Ltd.	NCD & Bonds	Power - transmission	AAA	CRISIL	105.55	0.19%	100.00
Bond - Rural Electrification Corporation Limited	NCD & Bonds	Financial institution	AAA	CRISIL	104.54	0.19%	100.00
Bond - Rural Electrification Corporation Limited	NCD & Bonds	Financial institution	LAAA	ICRA	101.54	0.18%	1.00 k
Bond - Govt of India	GOI	Other			100.15	0.18%	10.00 L
Bond - Govt of India	GOI	Other			50.20	0.09%	5.00 L
Bond - National Bank for Agriculture & Rural Development	NCD & Bonds	Financial institution	AAA	CRISIL	52.20	0.09%	50.00
Bond - Rural Electrification Corporation Limited	NCD & Bonds	Financial institution	AAA	CRISIL	52.01	0.09%	500.00
Bond - Small Industries Development Bank Of India	NCD & Bonds	Financial institution	AAA	CRISIL	51.02	0.09%	500.00
Bond - Power Grid Corporation of India Ltd.	NCD & Bonds	Power - transmission	AAA	CRISIL	50.36	0.09%	50.00
Bond - Govt of India	GOI	Other			42.64	0.08%	4.12 L
Bond - Govt of India	GOI	Other			40.02	0.07%	4.00 L
Bond - Govt of India	GOI	Other			34.14	0.06%	3.27 L
Bond - Govt of India	GOI	Other			29.61	0.05%	2.98 L
Bond - Govt of India	GOI	Other			26.02	0.05%	2.50 L
Bond - Govt of India	GOI	Other			13.43	0.02%	1.30 L
Bond - Govt of India	GOI	Other			10.09	0.02%	1.00 L
Bond - Govt of India	GOI	Other			7.64	0.01%	75.00 k
Bond - NHPC Ltd.	NCD & Bonds	Power generation	CARE AAA	CARE	2.10	0.00%	2.00
Bond - National Highways Authority of India	NCD & Bonds	Road assets–toll, annuity, hybrid-annuity	AAA	CRISIL	2.10	0.00%	2.00

Name	Type of Instrument	Weight (%)
Net Receivables	Net Receivables	5.51%
TREPS	TREPS	3.08%
Net Receivables	Net Receivables	0.30%
Margin	Margin	0.02%
Interest Rate Swaps	Interest Rate Swaps	0.00%
Interest Rate Swaps	Interest Rate Swaps	0.00%

Nippon India Banking and PSU Fund - Regular Plan - Growth

Portfolio Summary (as on 30th Nov,2025)

Debt holding in Portfolio (as on 30th Nov,2025)

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