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Top 5 Best Banking and PSU Debt Funds 2019 - Fincash

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Top 5 Best Banking and PSU Debt Funds 2019

Updated on November 18, 2019 , 395 views

Banking and PSU Debt Funds are the new sub-category introduced by the Securities and Exchange Board of India (SEBI) in the debt Mutual Fund category. These funds predominantly invests in debt and money market instruments consisting of securities issued by entities such as Banks, Public Financial Institutions, Public Sector Undertakings, etc. This option is considered to maintain an optimum balance of liquidity, safety, and yield.

The Banking and PSU Debt fund belongs to the short term category of debt funds that aims to offer secured returns and minimise risk by Investing in good-quality debt instruments predominately issued by banks and public sector undertakings. Investors who are keen to invest for a short duration, ideally for 2-3 years can invest in this scheme.

Here are some of the best performing Banking and PSU debt Funds 2019 - 2020.

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Banking-PSU-Funds

Top Performing Banking and PSU Debt Funds

FundNAVNet Assets (Cr)3 MO (%)6 MO (%)1 YR (%)3 YR (%)2018 (%)Debt Yield (YTM)Mod. DurationEff. Maturity
HDFC Banking and PSU Debt Fund Growth ₹16.0495
↑ 0.01
₹3,8872.76.111.37.25.97.22%2Y 4D2Y 6M 25D
UTI Banking & PSU Debt Fund Growth ₹14.733
↑ 0.01
₹1490.64.504.16.86.64%2Y 5M 19D3Y 2M 20D
Kotak Banking and PSU Debt fund Growth ₹45.376
↑ 0.06
₹3,0682.66.611.87.76.77.11%2Y 11M 19D4Y 11D
DSP BlackRock Banking and PSU Debt Fund Growth ₹16.8533
↑ 0.01
₹2,0142.86.411.47.26.36.68%2Y 7M 20D3Y 3M 22D
Aditya Birla Sun Life Banking & PSU Debt Fund Growth ₹254.618
↑ 0.14
₹8,7202.36.311.17.26.66.52%2Y 14D2Y 9M
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 20 Nov 19

Top 5 Best Performing Banking and PSU Debt Funds

1. HDFC Banking and PSU Debt Fund

To generate regular income through investments in debt and money market instruments consisting predominantly of securities issued by entities such as Scheduled Commercial Banks and Public Sector undertakings. There is no assurance that the investment objective of the Scheme will be realized.

HDFC Banking and PSU Debt Fund is a Debt - Banking & PSU Debt fund was launched on 26 Mar 14. It is a fund with Moderately Low risk and has given a CAGR/Annualized return of 8.7% since its launch.  Ranked 6 in Banking & PSU Debt category.  Return for 2018 was 5.9% , 2017 was 6.3% and 2016 was 10.8% .

Below is the key information for HDFC Banking and PSU Debt Fund

HDFC Banking and PSU Debt Fund
Growth
Launch Date 26 Mar 14
NAV (20 Nov 19) ₹16.0495 ↑ 0.01   (0.07 %)
Net Assets (Cr) ₹3,887 on 31 Oct 19
Category Debt - Banking & PSU Debt
AMC HDFC Asset Management Company Limited
Rating
Risk Moderately Low
Expense Ratio 0.26
Sharpe Ratio 4.08
Information Ratio -0.21
Alpha Ratio -2.16
Min Investment 5,000
Min SIP Investment 500
Exit Load NIL
Yield to Maturity 7.22%
Effective Maturity 2 Years 6 Months 25 Days
Modified Duration 2 Years 4 Days

Growth of 10,000 investment over the years.

DateValue
31 Oct 14₹10,000
31 Oct 15₹11,020
31 Oct 16₹12,187
31 Oct 17₹13,150
31 Oct 18₹13,549
31 Oct 19₹15,123

HDFC Banking and PSU Debt Fund SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹180,000
expected amount after 3 Years is ₹206,148.
Net Profit of ₹26,148
Invest Now

Returns for HDFC Banking and PSU Debt Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 20 Nov 19

DurationReturns
1 Month 1.1%
3 Month 2.7%
6 Month 6.1%
1 Year 11.3%
3 Year 7.2%
5 Year 8.6%
10 Year
15 Year
Since launch 8.7%
Historical performance (Yearly) on absolute basis
YearReturns
2018 5.9%
2017 6.3%
2016 10.8%
2015 9.8%
2014
2013
2012
2011
2010
2009
Fund Manager information for HDFC Banking and PSU Debt Fund
NameSinceTenure
Anil Bamboli26 Mar 145.6 Yr.
Chirag Dagli31 Jul 190.25 Yr.

Data below for HDFC Banking and PSU Debt Fund as on 31 Oct 19

Asset Allocation
Asset ClassValue
Cash15.82%
Debt84.18%
Debt Sector Allocation
SectorValue
Government49.51%
Corporate34.67%
Cash Equivalent15.82%
Credit Quality
RatingValue
A10.88%
AA20.28%
AAA68.72%
Below B0.13%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
National Highways Authority Of India
Debentures | -
6%₹206 Cr2,050
Food Corporation Of India
Debentures | -
5%₹191 Cr1,800
NATIONAL BANK FOR AGRICULTURE AND RURAL DEVELOPMENT
Debentures | -
5%₹181 Cr1,750
IDFC First Bank Limited
Certificate of Deposit | -
4%₹150 Cr15,500
Syndicate Bank
Debentures | -
4%₹135 Cr1,350
Net Current Assets
Net Current Assets | -
4%₹129 Cr
Housing Development Finance Corporation Limited
Debentures | -
4%₹128 Cr1,250
Power Grid Corporation Of India Limited
Debentures | -
4%₹127 Cr1,250
Tata International Limited
Debentures | -
4%₹125 Cr1,250
Union Bank Of India
Debentures | -
3%₹119 Cr1,220

2. UTI Banking & PSU Debt Fund

The investment objective of the scheme is to generate steady and reasonable income, with low risk and high level of liquidity from a portfolio of predominantly debt & money market securities by Banks and Public Sector Undertakings (PSUs).

UTI Banking & PSU Debt Fund is a Debt - Banking & PSU Debt fund was launched on 3 Feb 14. It is a fund with Moderate risk and has given a CAGR/Annualized return of 6.9% since its launch.  Ranked 3 in Banking & PSU Debt category.  Return for 2018 was 6.8% , 2017 was 6.4% and 2016 was 11.7% .

Below is the key information for UTI Banking & PSU Debt Fund

UTI Banking & PSU Debt Fund
Growth
Launch Date 3 Feb 14
NAV (20 Nov 19) ₹14.733 ↑ 0.01   (0.04 %)
Net Assets (Cr) ₹149 on 31 Oct 19
Category Debt - Banking & PSU Debt
AMC UTI Asset Management Company Ltd
Rating
Risk Moderate
Expense Ratio 0.35
Sharpe Ratio -0.38
Information Ratio 0
Alpha Ratio 0
Min Investment 5,000
Min SIP Investment 500
Exit Load NIL
Yield to Maturity 6.64%
Effective Maturity 3 Years 2 Months 20 Days
Modified Duration 2 Years 5 Months 19 Days

Growth of 10,000 investment over the years.

DateValue
31 Oct 14₹10,000
31 Oct 15₹10,863
31 Oct 16₹12,019
31 Oct 17₹13,042
31 Oct 18₹13,695
31 Oct 19₹13,699

UTI Banking & PSU Debt Fund SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹180,000
expected amount after 3 Years is ₹200,132.
Net Profit of ₹20,132
Invest Now

Returns for UTI Banking & PSU Debt Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 20 Nov 19

DurationReturns
1 Month 1%
3 Month 0.6%
6 Month 4.5%
1 Year 0%
3 Year 4.1%
5 Year 6.5%
10 Year
15 Year
Since launch 6.9%
Historical performance (Yearly) on absolute basis
YearReturns
2018 6.8%
2017 6.4%
2016 11.7%
2015 8.6%
2014
2013
2012
2011
2010
2009
Fund Manager information for UTI Banking & PSU Debt Fund
NameSinceTenure
Sudhir Agarwal3 Feb 145.74 Yr.

Data below for UTI Banking & PSU Debt Fund as on 31 Oct 19

Asset Allocation
Asset ClassValue
Cash26.52%
Debt73.48%
Debt Sector Allocation
SectorValue
Government48.94%
Corporate33.59%
Cash Equivalent17.47%
Credit Quality
RatingValue
AAA85.34%
Below B14.66%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
Net Current Assets
Net Current Assets | -
17%₹27 Cr00
NTPC Limited
Debentures | -
10%₹16 Cr150
POWER FINANCE CORPORATION LIMITED
Debentures | -
9%₹15 Cr150
HOUSING AND URBAN DEVELOPMENT CORPORATION LIMITED (HUDCO)
Debentures | -
9%₹15 Cr150
Small Industries Development Bank Of India
Debentures | -
9%₹15 Cr150
↑ 150
NATIONAL HIGHWAYS AUTHORITY OF INDIA
Debentures | -
9%₹15 Cr150
↑ 150
REC LIMITED
Commercial Paper | -
9%₹15 Cr150,000,000
NATIONAL BANK FOR AGRICULTURE AND RURAL DEVELOPMENT
Debentures | -
6%₹10 Cr100
↑ 100
Jorabat Shillong Expressway Limited
Debentures | -
6%₹10 Cr2,000
Jorabat Shillong Expressway Limited
Debentures | -
6%₹10 Cr3,823

3. Kotak Banking and PSU Debt fund

To generate income by predominantly investing in debt & money market securities issued by Banks & PSUs and Reverse Repos in such securities, sovereign securities issued by the Central Government and State Governments, and / or any security unconditionally guaranteed by the Govt. of India.

Kotak Banking and PSU Debt fund is a Debt - Banking & PSU Debt fund was launched on 29 Dec 98. It is a fund with Moderately Low risk and has given a CAGR/Annualized return of since its launch.  Ranked 19 in Banking & PSU Debt category.  Return for 2018 was 6.7% , 2017 was 6.2% and 2016 was 10% .

Below is the key information for Kotak Banking and PSU Debt fund

Kotak Banking and PSU Debt fund
Growth
Launch Date 29 Dec 98
NAV (20 Nov 19) ₹45.376 ↑ 0.06   (0.12 %)
Net Assets (Cr) ₹3,068 on 31 Oct 19
Category Debt - Banking & PSU Debt
AMC Kotak Mahindra Asset Management Co Ltd
Rating
Risk Moderately Low
Expense Ratio 0.25
Sharpe Ratio 4.25
Information Ratio 0
Alpha Ratio 0
Min Investment 5,000
Min SIP Investment 1,000
Exit Load NIL
Yield to Maturity 7.11%
Effective Maturity 4 Years 11 Days
Modified Duration 2 Years 11 Months 19 Days

Growth of 10,000 investment over the years.

DateValue
31 Oct 14₹10,000
31 Oct 15₹10,893
31 Oct 16₹11,934
31 Oct 17₹12,852
31 Oct 18₹13,396
31 Oct 19₹15,038

Kotak Banking and PSU Debt fund SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹180,000
expected amount after 3 Years is ₹206,148.
Net Profit of ₹26,148
Invest Now

Returns for Kotak Banking and PSU Debt fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 20 Nov 19

DurationReturns
1 Month 1.1%
3 Month 2.6%
6 Month 6.6%
1 Year 11.8%
3 Year 7.7%
5 Year 8.5%
10 Year
15 Year
Since launch
Historical performance (Yearly) on absolute basis
YearReturns
2018 6.7%
2017 6.2%
2016 10%
2015 8.6%
2014 9.5%
2013 9.8%
2012 7.6%
2011 7.9%
2010 3.7%
2009 2.8%
Fund Manager information for Kotak Banking and PSU Debt fund
NameSinceTenure
Deepak Agrawal15 Apr 0811.55 Yr.

Data below for Kotak Banking and PSU Debt fund as on 31 Oct 19

Asset Allocation
Asset ClassValue
Cash13.25%
Debt83.24%
Debt Sector Allocation
SectorValue
Credit Quality
RatingValue
AA22.66%
AAA77.34%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
GOVT STOCK
Sovereign Bonds | -
7%₹224 Cr21,500,000
↑ 14,500,000
Food Corporation Of India
Debentures | -
5%₹161 Cr1,500
STATE BANK OF INDIA
Debentures | -
5%₹151 Cr1,450
REC LIMITED
Debentures | -
4%₹128 Cr1,250
Axis Bank Limited
Debentures | -
4%₹120 Cr1,200
Triparty Repo
CBLO/Reverse Repo | -
3%₹103 Cr
ICICI Bank Limited
Debentures | -
3%₹101 Cr1,000
NTPC LIMITED
Debentures | -
3%₹99 Cr1,000
↑ 1,000
NATIONAL HIGHWAYS AUTHORITY OF INDIA
Debentures | -
3%₹99 Cr1,000
Net Current Assets/(Liabilities)
Net Current Assets | -
3%₹90 Cr

4. DSP BlackRock Banking and PSU Debt Fund

The investment objective of the Scheme is to seek to generate income and capital appreciation by primarily investing in a portfolio of high quality debt and money market securities that are issued by banks and public sector entities/undertakings.

DSP BlackRock Banking and PSU Debt Fund is a Debt - Banking & PSU Debt fund was launched on 14 Sep 13. It is a fund with Moderate risk and has given a CAGR/Annualized return of 8.8% since its launch.  Ranked 20 in Banking & PSU Debt category.  Return for 2018 was 6.3% , 2017 was 5.4% and 2016 was 10.6% .

Below is the key information for DSP BlackRock Banking and PSU Debt Fund

DSP BlackRock Banking and PSU Debt Fund
Growth
Launch Date 14 Sep 13
NAV (20 Nov 19) ₹16.8533 ↑ 0.01   (0.04 %)
Net Assets (Cr) ₹2,014 on 31 Oct 19
Category Debt - Banking & PSU Debt
AMC DSP BlackRock Invmt Managers Pvt. Ltd.
Rating
Risk Moderate
Expense Ratio 0.5
Sharpe Ratio 3.5
Information Ratio -0.14
Alpha Ratio -3.51
Min Investment 1,000
Min SIP Investment 500
Exit Load 0-1 Months (0.25%),1 Months and above(NIL)
Yield to Maturity 6.68%
Effective Maturity 3 Years 3 Months 22 Days
Modified Duration 2 Years 7 Months 20 Days

Growth of 10,000 investment over the years.

DateValue
31 Oct 14₹10,000
31 Oct 15₹10,951
31 Oct 16₹12,029
31 Oct 17₹12,898
31 Oct 18₹13,412
31 Oct 19₹14,962

DSP BlackRock Banking and PSU Debt Fund SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹180,000
expected amount after 3 Years is ₹206,148.
Net Profit of ₹26,148
Invest Now

Returns for DSP BlackRock Banking and PSU Debt Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 20 Nov 19

DurationReturns
1 Month 1.3%
3 Month 2.8%
6 Month 6.4%
1 Year 11.4%
3 Year 7.2%
5 Year 8.3%
10 Year
15 Year
Since launch 8.8%
Historical performance (Yearly) on absolute basis
YearReturns
2018 6.3%
2017 5.4%
2016 10.6%
2015 8.6%
2014 10.4%
2013
2012
2011
2010
2009
Fund Manager information for DSP BlackRock Banking and PSU Debt Fund
NameSinceTenure
Vikram Chopra17 Jul 162.7 Yr.
Saurabh Bhatia15 Feb 181.12 Yr.

Data below for DSP BlackRock Banking and PSU Debt Fund as on 31 Oct 19

Asset Allocation
Asset ClassValue
Cash0.28%
Debt99.72%
Debt Sector Allocation
SectorValue
Government69.13%
Corporate30.59%
Cash Equivalent0.28%
Credit Quality
RatingValue
AAA100%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
NTPC Limited
Debentures | -
6%₹129 Cr1,200
↑ 250
HINDUSTAN PETROLEUM CORPORATION LIMITED
Debentures | -
6%₹128 Cr1,250
Indian Railway Finance Corporation Limited
Debentures | -
4%₹86 Cr850
BHARAT PETROLEUM CORPORATION LIMITED
Debentures | -
4%₹85 Cr780
National Highways Authority Of India
Debentures | -
4%₹82 Cr750
↑ 250
Reliance Industries Limited
Debentures | -
4%₹81 Cr750
NATIONAL BANK FOR AGRICULTURE AND RURAL DEVELOPMENT
Debentures | -
4%₹76 Cr750
Housing Development Finance Corporation Limited
Debentures | -
4%₹76 Cr750
↑ 750
POWER GRID CORPORATION OF INDIA LIMITED
Debentures | -
4%₹73 Cr700
Power Finance Corporation Ltd.
Debentures | -
4%₹72 Cr665

5. Aditya Birla Sun Life Banking & PSU Debt Fund

(Erstwhile Aditya Birla Sun Life Treasury Optimizer Fund)

An Open-ended short term income scheme with the objective to generate income and capital appreciation by investing 100% of the corpus in a diversified portfolio of debt and money market securities with relatively low levels of interest rate risk.

Aditya Birla Sun Life Banking & PSU Debt Fund is a Debt - Banking & PSU Debt fund was launched on 9 May 08. It is a fund with Moderate risk and has given a CAGR/Annualized return of 8.4% since its launch.  Ranked 9 in Banking & PSU Debt category.  Return for 2018 was 6.6% , 2017 was 5.6% and 2016 was 12.3% .

Below is the key information for Aditya Birla Sun Life Banking & PSU Debt Fund

Aditya Birla Sun Life Banking & PSU Debt Fund
Growth
Launch Date 9 May 08
NAV (20 Nov 19) ₹254.618 ↑ 0.14   (0.06 %)
Net Assets (Cr) ₹8,720 on 31 Oct 19
Category Debt - Banking & PSU Debt
AMC Birla Sun Life Asset Management Co Ltd
Rating
Risk Moderate
Expense Ratio 0.64
Sharpe Ratio 3.69
Information Ratio 0
Alpha Ratio 0
Min Investment 1,000
Min SIP Investment 1,000
Exit Load NIL
Yield to Maturity 6.52%
Effective Maturity 2 Years 9 Months
Modified Duration 2 Years 14 Days

Growth of 10,000 investment over the years.

DateValue
31 Oct 14₹10,000
31 Oct 15₹10,998
31 Oct 16₹12,267
31 Oct 17₹13,130
31 Oct 18₹13,731
31 Oct 19₹15,280

Aditya Birla Sun Life Banking & PSU Debt Fund SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹180,000
expected amount after 3 Years is ₹206,148.
Net Profit of ₹26,148
Invest Now

Returns for Aditya Birla Sun Life Banking & PSU Debt Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 20 Nov 19

DurationReturns
1 Month 1%
3 Month 2.3%
6 Month 6.3%
1 Year 11.1%
3 Year 7.2%
5 Year 8.8%
10 Year
15 Year
Since launch 8.4%
Historical performance (Yearly) on absolute basis
YearReturns
2018 6.6%
2017 5.6%
2016 12.3%
2015 8.5%
2014 12.5%
2013 9.6%
2012 9.9%
2011 9.3%
2010 5.8%
2009 5.5%
Fund Manager information for Aditya Birla Sun Life Banking & PSU Debt Fund
NameSinceTenure
Maneesh Dangi1 Apr 172.58 Yr.
Kaustubh Gupta29 Sep 0910.09 Yr.

Data below for Aditya Birla Sun Life Banking & PSU Debt Fund as on 31 Oct 19

Asset Allocation
Asset ClassValue
Cash17.8%
Debt82.2%
Debt Sector Allocation
SectorValue
Government53.58%
Corporate39.14%
Cash Equivalent7.28%
Credit Quality
RatingValue
AA4.23%
AAA95.77%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
SMALL INDUSTRIES DEVELOPMENT BANK OF INDIA
Debentures | -
3%₹291 Cr2,850
State Bank Of India
Debentures | -
3%₹283 Cr2,650
Clearing Corporation Of India Limited
CBLO | -
3%₹275 Cr
ONGC Petro Additions Limited
Debentures | -
3%₹255 Cr255
INDIAN RAILWAY FINANCE CORPORATION LIMITED
Debentures | -
3%₹227 Cr2,150
7.72% GS 2025
Sovereign Bonds | -
2%₹206 Cr19,500,000
↑ 19,500,000
Power Finance Corporation Ltd.
Debentures | -
2%₹202 Cr2,000
↑ 2,000
NATIONAL BANK FOR AGRICULTURE AND RURAL DEVELOPMENT
Debentures | -
2%₹184 Cr1,750
National Highways Authority Of India
Debentures | -
2%₹183 Cr1,800
STATE BANK OF INDIA
Debentures | -
2%₹180 Cr1,732

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Disclaimer:
All efforts have been made to ensure the information provided here is accurate. However, no guarantees are made regarding correctness of data. Please verify with scheme information document before making any investment.
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