{"id":243811,"date":"2026-09-11T12:46:18","date_gmt":"2026-09-11T07:16:18","guid":{"rendered":"https:\/\/univest.in\/blogs-2\/edelweiss-banking-and-psu-debt-fund-direct-growth-review-2026\/"},"modified":"2026-09-11T12:46:18","modified_gmt":"2026-09-11T07:16:18","slug":"edelweiss-banking-and-psu-debt-fund-direct-growth-review-2026","status":"publish","type":"post","link":"https:\/\/univest.in\/blogs-2\/edelweiss-banking-and-psu-debt-fund-direct-growth-review-2026\/","title":{"rendered":"Edelweiss Banking and PSU Debt Fund Direct Growth Review 2026: NAV, Returns, Portfolio &#038; Should You Invest?"},"content":{"rendered":"<p><a href=\"https:\/\/univest.in\/mutual-funds\/edelweiss-banking-and-psu-debt-fund-g-direct-plan\">Edelweiss Banking and PSU Debt Fund Direct Growth Plan<\/a> had a NAV of \u20b927.1305 as of 10 Sep 2026 and an AUM of \u20b93,139 Cr. Its 1-year, 3-year and 5-year returns are 5.17%, 7.14% and 6.12%, and the scheme sits in the Balanced Risk category.<\/p>\n<p>Our view is that this is a steady debt fund for investors who want a comparatively measured profile rather than aggressive return swings. The long-term return pattern is more useful than the short-term move, and the portfolio is built around sovereign, PSU and high-quality financial credit exposure.<\/p>\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_65 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title \" >Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/univest.in\/blogs-2\/edelweiss-banking-and-psu-debt-fund-direct-growth-review-2026\/#Quick_facts\" title=\"Quick facts\">Quick facts<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/univest.in\/blogs-2\/edelweiss-banking-and-psu-debt-fund-direct-growth-review-2026\/#Performance\" title=\"Performance\">Performance<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/univest.in\/blogs-2\/edelweiss-banking-and-psu-debt-fund-direct-growth-review-2026\/#Should_you_BUY_or_HOLD_Edelweiss_Banking_and_PSU_Debt\" title=\"Should you BUY or HOLD Edelweiss Banking and PSU Debt?\">Should you BUY or HOLD Edelweiss Banking and PSU Debt?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/univest.in\/blogs-2\/edelweiss-banking-and-psu-debt-fund-direct-growth-review-2026\/#Peer_comparison\" title=\"Peer comparison\">Peer comparison<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/univest.in\/blogs-2\/edelweiss-banking-and-psu-debt-fund-direct-growth-review-2026\/#Portfolio_where_your_money_goes\" title=\"Portfolio: where your money goes\">Portfolio: where your money goes<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/univest.in\/blogs-2\/edelweiss-banking-and-psu-debt-fund-direct-growth-review-2026\/#Who_should_invest\" title=\"Who should invest\">Who should invest<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/univest.in\/blogs-2\/edelweiss-banking-and-psu-debt-fund-direct-growth-review-2026\/#Tax_and_exit_load\" title=\"Tax and exit load\">Tax and exit load<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/univest.in\/blogs-2\/edelweiss-banking-and-psu-debt-fund-direct-growth-review-2026\/#Frequently_asked_questions\" title=\"Frequently asked questions\">Frequently asked questions<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/univest.in\/blogs-2\/edelweiss-banking-and-psu-debt-fund-direct-growth-review-2026\/#Bottom_line\" title=\"Bottom line\">Bottom line<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/univest.in\/blogs-2\/edelweiss-banking-and-psu-debt-fund-direct-growth-review-2026\/#Explore_mutual_funds_with_Univest\" title=\"Explore mutual funds with Univest\">Explore mutual funds with Univest<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/univest.in\/blogs-2\/edelweiss-banking-and-psu-debt-fund-direct-growth-review-2026\/#RIA_disclosure\" title=\"RIA disclosure\">RIA disclosure<\/a><\/li><\/ul><\/nav><\/div>\n<h2 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"Quick_facts\"><\/span>Quick facts<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<table>\n<thead>\n<tr>\n<th>Particular<\/th>\n<th>Details<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>NAV<\/td>\n<td>\u20b927.1305 as of 10 Sep 2026<\/td>\n<\/tr>\n<tr>\n<td>AUM<\/td>\n<td>\u20b93,139 Cr<\/td>\n<\/tr>\n<tr>\n<td>Expense Ratio<\/td>\n<td>0.39%<\/td>\n<\/tr>\n<tr>\n<td>Launch Date<\/td>\n<td>13 Sep 2013<\/td>\n<\/tr>\n<tr>\n<td>Min SIP<\/td>\n<td>\u20b9100<\/td>\n<\/tr>\n<tr>\n<td>Risk Category<\/td>\n<td>Balanced Risk<\/td>\n<\/tr>\n<tr>\n<td>Benchmark<\/td>\n<td>Nifty 50<\/td>\n<\/tr>\n<tr>\n<td>Fund Category<\/td>\n<td>Debt<\/td>\n<\/tr>\n<tr>\n<td>Exit Load<\/td>\n<td>No exit load<\/td>\n<\/tr>\n<tr>\n<td>Fund Managers<\/td>\n<td>Dhawal Dalal, Kedar Karnik<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>The fund is managed by Dhawal Dalal and Kedar Karnik.<\/p>\n<p class=\"mf-source-date\"><small>Source data date: as of 10 Sep 2026<\/small><\/p>\n<h2 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"Performance\"><\/span>Performance<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<table>\n<thead>\n<tr>\n<th>Period<\/th>\n<th>Fund return<\/th>\n<th>Benchmark return<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>1M<\/td>\n<td>0.38%<\/td>\n<td>-4.06%<\/td>\n<\/tr>\n<tr>\n<td>3M<\/td>\n<td>1.77%<\/td>\n<td>1.37%<\/td>\n<\/tr>\n<tr>\n<td>1Y<\/td>\n<td>5.17%<\/td>\n<td>-7.31%<\/td>\n<\/tr>\n<tr>\n<td>3Y<\/td>\n<td>7.14%<\/td>\n<td>6.07%<\/td>\n<\/tr>\n<tr>\n<td>5Y<\/td>\n<td>6.12%<\/td>\n<td>5.91%<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>The recent picture is better than the benchmark, especially over 1 month and 1 year. The fund\u2019s 1-month return is positive while the benchmark is negative, and the 1-year gap is wide in the fund\u2019s favour. That suggests the scheme has handled the recent period more smoothly than the index used for comparison.<\/p>\n<p>The longer record is also constructive. Over 3 years and 5 years, the fund remains ahead of the benchmark by a smaller margin, which tells us the outperformance is not only a short-lived burst. The 3-year number is stronger than the 5-year number, so the recent stretch has been a little better than the full five-year average.<\/p>\n<p>The return path looks fairly measured rather than dramatic. The one-year series shows periods of softness followed by recovery, while the five-year pattern suggests compounding with some uneven patches rather than a straight line. For a debt fund, that is more relevant than chasing sharp short-term spikes.<\/p>\n<p>Overall, the fund has stayed ahead of the benchmark across the displayed horizons, but the margin has been tighter over longer periods. That usually points to a more stable credit-and-duration mix than a high-activity return engine.<\/p>\n<p class=\"mf-source-date\"><small>Source data date: as of 10 Sep 2026<\/small><\/p>\n<section class=\"univest-mf-premium-cta\" style=\"margin:28px 0;padding:24px;border-radius:10px;border:1px solid #d8e3f0;background:#f7faff\">\n<h2 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"Should_you_BUY_or_HOLD_Edelweiss_Banking_and_PSU_Debt\"><\/span>Should you BUY or HOLD Edelweiss Banking and PSU Debt?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>A fund&#8217;s past returns alone don&#8217;t tell you whether you should buy it today or continue holding it.<\/p>\n<p>The right decision depends on factors such as your current allocation, purchase price, risk profile, investment horizon and the role this fund plays in your overall portfolio.<\/p>\n<p><strong>Already holding Edelweiss Banking and PSU Debt? Thinking of investing now?<\/strong><\/p>\n<p><a href=\"https:\/\/univest.in\/mutual-funds\" style=\"font-weight:700;text-decoration:none\">Get your portfolio analysed for FREE by SEBI-registered Investment Adviser (RIA) through Univest MF Premium<\/a><\/p>\n<\/section>\n<h2 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"Peer_comparison\"><\/span>Peer comparison<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<table>\n<thead>\n<tr>\n<th>Fund<\/th>\n<th>1Y return<\/th>\n<th>3Y return<\/th>\n<th>5Y return<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td><a href=\"https:\/\/univest.in\/mutual-funds\/edelweiss-banking-and-psu-debt-fund-g-direct-plan\">Edelweiss Banking and PSU Debt Fund Direct Growth Plan<\/a><\/td>\n<td>5.17%<\/td>\n<td>7.14%<\/td>\n<td>6.12%<\/td>\n<\/tr>\n<tr>\n<td><a href=\"https:\/\/univest.in\/mutual-funds\/trustmf-banking-and-psu-fund-g-direct-plan\">TRUSTMF Banking &amp; PSU Fund Direct Growth Plan<\/a><\/td>\n<td>7.26%<\/td>\n<td>7.52%<\/td>\n<td>6.17%<\/td>\n<\/tr>\n<tr>\n<td><a href=\"https:\/\/univest.in\/mutual-funds\/franklin-india-banking-and-psu-debt-fund-g-direct-plan\">Franklin India Banking &amp; PSU Debt Fund Direct Growth Plan<\/a><\/td>\n<td>6.69%<\/td>\n<td>7.58%<\/td>\n<td>6.45%<\/td>\n<\/tr>\n<tr>\n<td><a href=\"https:\/\/univest.in\/mutual-funds\/uti-banking-and-psu-debt-fund-g-direct-plan\">UTI Banking &amp; PSU Debt Fund Direct Growth Plan<\/a><\/td>\n<td>6.27%<\/td>\n<td>7.46%<\/td>\n<td>7.72%<\/td>\n<\/tr>\n<tr>\n<td><a href=\"https:\/\/univest.in\/mutual-funds\/bandhan-banking-and-psu-debt-fund-g-direct-plan\">Bandhan Banking and PSU Debt Fund Direct Growth Plan<\/a><\/td>\n<td>6.03%<\/td>\n<td>7.21%<\/td>\n<td>6.25%<\/td>\n<\/tr>\n<tr>\n<td><a href=\"https:\/\/univest.in\/mutual-funds\/icici-pru-banking-and-psu-debt-fund-g-direct-plan\">ICICI Pru Banking and PSU Debt Fund Direct Growth Plan<\/a><\/td>\n<td>6%<\/td>\n<td>7.38%<\/td>\n<td>6.7%<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>This assessment is prepared by Uniapps Investment Adviser Pvt. Ltd. under SEBI Registered Investment Adviser registration INA000017639.<\/p>\n<p>The fund\u2019s 1-year return trails all five peers shown here, while the 3-year figure is closer to the middle of the group and the 5-year number sits below several of them. That tells us the recent stretch has been softer than the peer set even though the multi-year track remains respectable. The short-term gap matters because this category is often used for steadier debt exposure, but the longer-term comparison still shows the scheme has kept pace better than the benchmark itself. In our view, that creates a mixed but coherent picture: recent return momentum is less convincing than the best peers, yet the longer record does not look out of line for a banking-and-PSU debt strategy.<\/p>\n<p class=\"mf-source-date\"><small>Source data date: as of 10 Sep 2026<\/small><\/p>\n<div class=\"univest-peer-login-cta\" style=\"margin:20px 0;padding:16px 18px;border:1px solid #d8e3f0;border-radius:8px;background:#f7faff\">\n<p style=\"margin:0\"><strong>Want to know more?<\/strong> <a href=\"https:\/\/univest.in\/user\/log-in\" style=\"font-weight:700;text-decoration:none\">Log in to Univest<\/a> for more mutual fund insights.<\/p>\n<\/div>\n<h2 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"Portfolio_where_your_money_goes\"><\/span>Portfolio: where your money goes<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<table>\n<thead>\n<tr>\n<th>Holding<\/th>\n<th>Sector<\/th>\n<th>Weight<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>364 Days Tbill Red 28-05-2027<\/td>\n<td>Treasury Bills<\/td>\n<td>9.17%<\/td>\n<\/tr>\n<tr>\n<td>7.48% NABARD NCD SR 25G Red 15-09-2028<\/td>\n<td>Corporate Debt<\/td>\n<td>8.42%<\/td>\n<\/tr>\n<tr>\n<td>7.59%National Housing Bank R 14-07-2027**<\/td>\n<td>Corporate Debt<\/td>\n<td>6.38%<\/td>\n<\/tr>\n<tr>\n<td>7.35% Exim Bank SR Aa02 NCD 27-07-2028**<\/td>\n<td>Corporate Debt<\/td>\n<td>6.37%<\/td>\n<\/tr>\n<tr>\n<td>Kotak Mahindra Bank CD Red 08-01-2027#<\/td>\n<td>Certificate of Deposit<\/td>\n<td>3.89%<\/td>\n<\/tr>\n<tr>\n<td>7.51% Sidbi SR V NCD Red 12-06-2028**<\/td>\n<td>Corporate Debt<\/td>\n<td>3.18%<\/td>\n<\/tr>\n<tr>\n<td>7.9% Mah &amp; Mah Fin Ab2026 21-02-28**<\/td>\n<td>Corporate Debt<\/td>\n<td>3.18%<\/td>\n<\/tr>\n<tr>\n<td>7.35%Bharti Teleco SRXXV 15-10-27**<\/td>\n<td>Corporate Debt<\/td>\n<td>3.16%<\/td>\n<\/tr>\n<tr>\n<td>6.61%Power Fin Co Sr250A NCD Red15-07-28**<\/td>\n<td>Corporate Debt<\/td>\n<td>3.13%<\/td>\n<\/tr>\n<tr>\n<td>Axis Bank Ltd CD Red 26-02-27#<\/td>\n<td>Certificate of Deposit<\/td>\n<td>3.08%<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>The top 10 holdings account for approximately 49.96% of the portfolio.<\/p>\n<p>To see all holdings, visit the <a href=\"https:\/\/univest.in\/mutual-funds\/edelweiss-banking-and-psu-debt-fund-g-direct-plan\">Edelweiss Banking and PSU Debt Fund Direct Growth Plan<\/a> page<\/p>\n<p>The largest holding is a 364-day treasury bill at 9.17%, which gives the portfolio a meaningful sovereign anchor. After that, the weights step down fairly quickly into a mix of NABARD, National Housing Bank, Exim Bank, SIDBI, bank CDs and a few corporate debt names. That pattern suggests the scheme is not reliant on a single large credit position for all of its return profile.<\/p>\n<p>The drop from the first holding to the tenth is notable, but not extreme, and the top ten together account for just under half of the portfolio. With 40 disclosed holdings in total, the fund appears to be spread across a reasonably long tail rather than tightly concentrated in a handful of positions. That may help reduce the influence of any one issuer, while still keeping the portfolio focused on banking, PSU and related high-quality debt instruments.<\/p>\n<p class=\"mf-source-date\"><small>Source data date: as of 10 Sep 2026<\/small><\/p>\n<h2 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"Who_should_invest\"><\/span>Who should invest<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>This fund suits investors who can accept moderate fluctuation in a debt portfolio and who want exposure that has generally stayed ahead of its benchmark across 1-year, 3-year and 5-year periods. The risk category signals that the scheme is not meant for capital-preservation-only expectations, even though the underlying holdings tilt toward treasury bills, PSU borrowers and bank debt.<\/p>\n<p>A longer holding period makes more sense than a short, tactical allocation because the return pattern has been steady rather than explosive. The main trade-off is that the fund may offer a smoother debt-oriented ride than many aggressive credit or duration plays, but it may not match the strongest peers in every recent period. Investors who want disciplined credit quality with some return stability may find that balance appealing.<\/p>\n<h2 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"Tax_and_exit_load\"><\/span>Tax and exit load<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<table>\n<thead>\n<tr>\n<th>Holding period<\/th>\n<th>Tax rate<\/th>\n<th>Description<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>Units held less than 1 year<\/td>\n<td>20%<\/td>\n<td>Short-term capital gains tax<\/td>\n<\/tr>\n<tr>\n<td>Units held more than 1 year<\/td>\n<td>12.5%<\/td>\n<td>Long-term capital gains tax<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>Exit load: No exit load.<\/p>\n<p class=\"mf-source-date\"><small>Source data date: as of 10 Sep 2026<\/small><\/p>\n<h2 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"Frequently_asked_questions\"><\/span>Frequently asked questions<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><strong>What is the current NAV of Edelweiss Banking and PSU Debt Fund Direct Growth Plan?<\/strong><br \/>The current NAV is \u20b927.1305 as of 10 Sep 2026.<\/p>\n<p><strong>What are the 1-year, 3-year and 5-year returns?<\/strong><br \/>The 1-year return is 5.17%, the 3-year return is 7.14% and the 5-year return is 6.12%.<\/p>\n<p><strong>How does the fund compare with its benchmark?<\/strong><br \/>It has stayed ahead of the benchmark across 1 month, 3 months, 1 year, 3 years and 5 years. The gap is widest over the 1-year period and narrower over the longer horizons.<\/p>\n<p><strong>How does it compare with the peer funds shown here?<\/strong><br \/>Its 1-year return is lower than the peer funds shown here, while its 3-year and 5-year numbers are closer to the middle of the group. The longer record remains steady, but the recent stretch is softer than several peers.<\/p>\n<p><strong>What is the minimum SIP amount?<\/strong><br \/>The minimum SIP amount is \u20b9100.<\/p>\n<p><strong>Who manages the fund and what is the exit load?<\/strong><br \/>The fund is managed by Dhawal Dalal and Kedar Karnik. There is no exit load.<\/p>\n<h2 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"Bottom_line\"><\/span>Bottom line<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Edelweiss Banking and PSU Debt Fund Direct Growth Plan looks steadier over longer periods than over the latest year, but it has still stayed ahead of the benchmark across the main horizons we reviewed. The peer set shows a softer recent result than several comparable funds, while the portfolio remains anchored in treasury bills, PSU issuers and bank debt. That mix supports a measured, debt-oriented profile rather than a high-volatility return chase, which may suit investors who want disciplined credit exposure and can stay invested through uneven short-term moves.<\/p>\n<p class=\"univest-posted-at\" style=\"font-size:14px;color:#666;margin:20px 0 8px\">Published on 11 September 2026 at 12:45 PM IST<\/p>\n<section class=\"univest-login-cta\" style=\"margin:28px 0;padding:24px;border-radius:10px;background:#eef5ff;border:1px solid #cddff7;text-align:center\">\n<h2 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"Explore_mutual_funds_with_Univest\"><\/span>Explore mutual funds with Univest<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Review mutual fund data, compare performance and explore fund insights on Univest.<\/p>\n<p><a href=\"https:\/\/univest.in\/user\/log-in\" style=\"display:inline-block;padding:11px 20px;border-radius:6px;background:#1f4e79;color:#fff !important;text-decoration:none;font-weight:700\">Explore Univest<\/a><\/p>\n<\/section>\n<section class=\"univest-disclaimer\">\n<h2 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"RIA_disclosure\"><\/span>RIA disclosure<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Mutual fund investments are subject to market risks. Read all scheme-related documents carefully before investing. This review is prepared by Uniapps Investment Adviser Pvt. Ltd. (earlier known as Uniapps Global Research Pvt. Ltd.) under SEBI Registered Investment Adviser registration INA000017639 for general informational purposes and is not personalized investment advice.<\/p>\n<\/section>\n<p><script type=\"application\/ld+json\">{\"@context\":\"https:\/\/schema.org\",\"@type\":\"InvestmentFund\",\"name\":\"Edelweiss Banking and PSU Debt Fund Direct Growth Plan\",\"identifier\":\"edelweiss-banking-and-psu-debt-fund-g-direct-plan\",\"category\":\"Debt\",\"dateCreated\":\"13 Sep 2013\",\"isAccessibleForFree\":true,\"additionalProperty\":[{\"@type\":\"PropertyValue\",\"name\":\"NAV\",\"value\":27.1305,\"valueReference\":\"as of 10 Sep 2026\"},{\"@type\":\"PropertyValue\",\"name\":\"AUM\",\"value\":\"3139 Cr\"},{\"@type\":\"PropertyValue\",\"name\":\"Expense Ratio\",\"value\":\"0.39\"},{\"@type\":\"PropertyValue\",\"name\":\"Benchmark\",\"value\":\"Nifty 50\"},{\"@type\":\"PropertyValue\",\"name\":\"1Y Return\",\"value\":5.17},{\"@type\":\"PropertyValue\",\"name\":\"3Y Return\",\"value\":7.14},{\"@type\":\"PropertyValue\",\"name\":\"5Y Return\",\"value\":6.12},{\"@type\":\"PropertyValue\",\"name\":\"Fund Managers\",\"value\":\"Dhawal Dalal, Kedar Karnik\"}]}<\/script><script type=\"application\/ld+json\">{\"@context\":\"https:\/\/schema.org\",\"@type\":\"FAQPage\",\"mainEntity\":[{\"@type\":\"Question\",\"name\":\"What is the current NAV of Edelweiss Banking and PSU Debt Fund Direct Growth Plan?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"The current NAV is \u20b927.1305 as of 10 Sep 2026.\"}},{\"@type\":\"Question\",\"name\":\"What are the 1-year, 3-year and 5-year returns?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"The 1-year return is 5.17%, the 3-year return is 7.14% and the 5-year return is 6.12%.\"}},{\"@type\":\"Question\",\"name\":\"How does the fund compare with its benchmark?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"It has stayed ahead of the benchmark across 1 month, 3 months, 1 year, 3 years and 5 years. The gap is widest over the 1-year period and narrower over the longer horizons.\"}},{\"@type\":\"Question\",\"name\":\"How does it compare with the peer funds shown here?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Its 1-year return is lower than the peer funds shown here, while its 3-year and 5-year numbers are closer to the middle of the group. The longer record remains steady, but the recent stretch is softer than several peers.\"}},{\"@type\":\"Question\",\"name\":\"What is the minimum SIP amount?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"The minimum SIP amount is \u20b9100.\"}},{\"@type\":\"Question\",\"name\":\"Who manages the fund and what is the exit load?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"The fund is managed by Dhawal Dalal and Kedar Karnik. There is no exit load.\"}}]}<\/script><script type=\"application\/ld+json\">{\"@context\":\"https:\/\/schema.org\",\"@type\":\"Organization\",\"name\":\"Uniapps Investment Adviser Pvt. Ltd.\",\"description\":\"SEBI Registered Investment Adviser INA000017639\"}<\/script><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Edelweiss Banking and PSU Debt Fund Direct Growth Plan had a NAV of \u20b927.1305 as of 10 Sep 2026. Its 1Y, 3Y and 5Y returns are 5.17%, 7.14% and 6.12%.<\/p>\n","protected":false},"author":38,"featured_media":243809,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[3841],"tags":[],"class_list":["post-243811","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-mutual-funds"],"metadata":{"rank_math_internal_links_processed":["1"],"_thumbnail_id":["243809"],"rank_math_title":["Edelweiss Banking and PSU Debt Fund Review 2026"],"rank_math_description":["Edelweiss Banking and PSU Debt Fund Direct Growth Plan NAV \u20b927.1305; 1Y return 5.17%, 3Y 7.14%, 5Y 6.12%."],"rank_math_focus_keyword":["Edelweiss Banking and PSU Debt Fund Direct Growth Plan review"],"rank_math_robots":["a:2:{i:0;s:7:\"noindex\";i:1;s:8:\"nofollow\";}"]},"jetpack_sharing_enabled":true,"jetpack_featured_media_url":"https:\/\/univest.in\/blogs-2\/wp-content\/uploads\/2026\/09\/Edelweiss_Banking_and_PSU_Debt_Fund_Direct_Growth_Review_2026_NAV_Returns_Portfolio_Should_You_Invest_neutral.png","_links":{"self":[{"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/posts\/243811","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/users\/38"}],"replies":[{"embeddable":true,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/comments?post=243811"}],"version-history":[{"count":0,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/posts\/243811\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/media\/243809"}],"wp:attachment":[{"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/media?parent=243811"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/categories?post=243811"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/tags?post=243811"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}