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Table of Contents
- Top Performing Banking and PSU Debt Funds
- Top 5 Best Performing Banking and PSU Debt Funds
- How to Invest in Banking and PSU Funds?
Top 5 Debt - Banking & PSU Debt Funds
Top 5 Best Banking and PSU Debt Funds 2020
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 2020 - 2021.
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Top Performing Banking and PSU Debt Funds
Fund NAV Net Assets (Cr) 3 MO (%) 6 MO (%) 1 YR (%) 3 YR (%) 2019 (%) Debt Yield (YTM) Mod. Duration Eff. Maturity HDFC Banking and PSU Debt Fund Growth ₹17.3598
↓ -0.01 ₹8,173 2 8.4 10.4 8.3 10.2 6.09% 2Y 7M 20D 3Y 7M 13D UTI Banking & PSU Debt Fund Growth ₹15.8182
↑ 0.01 ₹231 1.1 7.5 9.2 4.6 -1 4.96% 2Y 6M 11D 3Y 4M 18D DSP BlackRock Banking and PSU Debt Fund Growth ₹18.255
↓ 0.00 ₹3,522 1.1 8.8 10.8 8.3 9.9 5.11% 2Y 9M 7D 3Y 3M 22D Kotak Banking and PSU Debt fund Growth ₹49.0821
↓ -0.01 ₹9,132 1.7 8.1 10.5 8.6 10.8 0% 3Y 11M 23D Aditya Birla Sun Life Banking & PSU Debt Fund Growth ₹275.828
↓ -0.07 ₹13,519 1.5 8.5 10.4 8.4 9.9 5.51% 2Y 11M 16D 3Y 9M 22D Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 25 Sep 20
Top 5 Best Performing Banking and PSU Debt Funds
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 Below is the key information for HDFC Banking and PSU Debt Fund Returns up to 1 year are on 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 Below is the key information for UTI Banking & PSU Debt Fund Returns up to 1 year are on 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 Below is the key information for DSP BlackRock Banking and PSU Debt Fund Returns up to 1 year are on 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 Below is the key information for Kotak Banking and PSU Debt fund Returns up to 1 year are on (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 Below is the key information for Aditya Birla Sun Life Banking & PSU Debt Fund Returns up to 1 year are on 1. HDFC Banking and PSU Debt Fund
CAGR/Annualized return of 8.8% since its launch. Ranked 6 in Banking & PSU Debt category. Return for 2019 was 10.2% , 2018 was 5.9% and 2017 was 6.3% . HDFC Banking and PSU Debt Fund
Growth Launch Date 26 Mar 14 NAV (25 Sep 20) ₹17.3598 ↓ -0.01 (-0.04 %) Net Assets (Cr) ₹8,173 on 31 Aug 20 Category Debt - Banking & PSU Debt AMC HDFC Asset Management Company Limited Rating ☆☆☆☆☆ Risk Moderately Low Expense Ratio 0.26 Sharpe Ratio 1.77 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 500 Exit Load NIL Yield to Maturity 6.09% Effective Maturity 3 Years 7 Months 13 Days Modified Duration 2 Years 7 Months 20 Days Growth of 10,000 investment over the years.
Date Value 31 Aug 15 ₹10,000 31 Aug 16 ₹11,048 31 Aug 17 ₹11,992 31 Aug 18 ₹12,470 31 Aug 19 ₹13,751 31 Aug 20 ₹15,179 Returns for HDFC Banking and PSU Debt Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 25 Sep 20 Duration Returns 1 Month 0.6% 3 Month 2% 6 Month 8.4% 1 Year 10.4% 3 Year 8.3% 5 Year 8.7% 10 Year 15 Year Since launch 8.8% Historical performance (Yearly) on absolute basis
Year Returns 2019 10.2% 2018 5.9% 2017 6.3% 2016 10.8% 2015 9.8% 2014 2013 2012 2011 2010 Fund Manager information for HDFC Banking and PSU Debt Fund
Name Since Tenure Anil Bamboli 26 Mar 14 6.44 Yr. Chirag Dagli 31 Jul 19 1.09 Yr. Data below for HDFC Banking and PSU Debt Fund as on 31 Aug 20
Asset Allocation
Asset Class Value Cash 8.81% Debt 91.19% Debt Sector Allocation
Sector Value Government 59.09% Corporate 32.09% Cash Equivalent 8.81% Credit Quality
Rating Value A 4.89% AA 15.29% AAA 79.76% Below B 0.06% Top Securities Holdings / Portfolio
Name Holding Value Quantity NATIONAL BANK FOR AGRICULTURE AND RURAL DEVELOPMENT
Debentures | -3% ₹270 Cr 2,500 Food Corporation Of India
Debentures | -3% ₹248 Cr 2,300
↑ 500 Housing And Urban Development Corporation Ltd.
Debentures | -3% ₹224 Cr 2,000
↑ 1,000 National Highways Authority Of India
Debentures | -3% ₹213 Cr 2,050 State Bank Of India
Debentures | -3% ₹206 Cr 2,015 INDIAN RAILWAY FINANCE CORPORATION LIMITED
Debentures | -2% ₹184 Cr 1,750
↑ 750 Union Bank Of India
Debentures | -2% ₹173 Cr 1,720
↑ 50 5.79% Govt Stock 2030
Sovereign Bonds | -2% ₹157 Cr 16,000,000 State Bank Of India
Debentures | -2% ₹138 Cr 1,250 Syndicate Bank
Debentures | -2% ₹137 Cr 1,350 2. UTI Banking & PSU Debt Fund
CAGR/Annualized return of 7.1% since its launch. Ranked 3 in Banking & PSU Debt category. Return for 2019 was -1% , 2018 was 6.8% and 2017 was 6.4% . UTI Banking & PSU Debt Fund
Growth Launch Date 3 Feb 14 NAV (25 Sep 20) ₹15.8182 ↑ 0.01 (0.03 %) Net Assets (Cr) ₹231 on 31 Aug 20 Category Debt - Banking & PSU Debt AMC UTI Asset Management Company Ltd Rating ☆☆☆☆☆ Risk Moderate Expense Ratio 0.35 Sharpe Ratio 0.85 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 500 Exit Load NIL Yield to Maturity 4.96% Effective Maturity 3 Years 4 Months 18 Days Modified Duration 2 Years 6 Months 11 Days Growth of 10,000 investment over the years.
Date Value 31 Aug 15 ₹10,000 31 Aug 16 ₹11,033 31 Aug 17 ₹12,041 31 Aug 18 ₹12,675 31 Aug 19 ₹12,821 31 Aug 20 ₹13,769 Returns for UTI Banking & PSU Debt Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 25 Sep 20 Duration Returns 1 Month 0.5% 3 Month 1.1% 6 Month 7.5% 1 Year 9.2% 3 Year 4.6% 5 Year 6.6% 10 Year 15 Year Since launch 7.1% Historical performance (Yearly) on absolute basis
Year Returns 2019 -1% 2018 6.8% 2017 6.4% 2016 11.7% 2015 8.6% 2014 2013 2012 2011 2010 Fund Manager information for UTI Banking & PSU Debt Fund
Name Since Tenure Sudhir Agarwal 3 Feb 14 6.58 Yr. Data below for UTI Banking & PSU Debt Fund as on 31 Aug 20
Asset Allocation
Asset Class Value Cash 36.31% Debt 63.69% Debt Sector Allocation
Sector Value Government 43.76% Corporate 38.37% Cash Equivalent 17.87% Credit Quality
Rating Value AAA 95.11% Below B 4.89% Top Securities Holdings / Portfolio
Name Holding Value Quantity National Bank For Agriculture And Rural Development
Debentures | -7% ₹16 Cr 150 Power Finance Corporation Ltd.
Debentures | -6% ₹15 Cr 150
↑ 150 Indian Railway Finance Corporation Limited
Debentures | -6% ₹15 Cr 150 Chennai Petroleum Corporation Ltd
Debentures | -6% ₹15 Cr 150 Rec Limited
Debentures | -6% ₹13 Cr 130 HOUSING AND URBAN DEVELOPMENT CORPORATION LIMITED (HUDCO)
Debentures | -6% ₹13 Cr 125 NTPC Limited
Debentures | -5% ₹11 Cr 100 Hindustan Petroleum Corporation Limited
Debentures | -5% ₹10 Cr 100 Small Industries Development Bank Of India
Debentures | -5% ₹10 Cr 100 Jorabat Shillong Expressway Limited
Debentures | -4% ₹10 Cr 2,000 3. DSP BlackRock Banking and PSU Debt Fund
CAGR/Annualized return of 8.9% since its launch. Ranked 20 in Banking & PSU Debt category. Return for 2019 was 9.9% , 2018 was 6.3% and 2017 was 5.4% . DSP BlackRock Banking and PSU Debt Fund
Growth Launch Date 14 Sep 13 NAV (25 Sep 20) ₹18.255 ↓ 0.00 (0.00 %) Net Assets (Cr) ₹3,522 on 31 Aug 20 Category Debt - Banking & PSU Debt AMC DSP BlackRock Invmt Managers Pvt. Ltd. Rating ☆☆☆☆ Risk Moderate Expense Ratio 0.5 Sharpe Ratio 1.99 Information Ratio 0 Alpha Ratio 0 Min Investment 1,000 Min SIP Investment 500 Exit Load 0-1 Months (0.25%),1 Months and above(NIL) Yield to Maturity 5.11% Effective Maturity 3 Years 3 Months 22 Days Modified Duration 2 Years 9 Months 7 Days Growth of 10,000 investment over the years.
Date Value 31 Aug 15 ₹10,000 31 Aug 16 ₹10,982 31 Aug 17 ₹11,901 31 Aug 18 ₹12,355 31 Aug 19 ₹13,659 31 Aug 20 ₹15,072 Returns for DSP BlackRock Banking and PSU Debt Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 25 Sep 20 Duration Returns 1 Month 0.5% 3 Month 1.1% 6 Month 8.8% 1 Year 10.8% 3 Year 8.3% 5 Year 8.6% 10 Year 15 Year Since launch 8.9% Historical performance (Yearly) on absolute basis
Year Returns 2019 9.9% 2018 6.3% 2017 5.4% 2016 10.6% 2015 8.6% 2014 10.4% 2013 2012 2011 2010 Fund Manager information for DSP BlackRock Banking and PSU Debt Fund
Name Since Tenure Vikram Chopra 17 Jul 16 4.13 Yr. Saurabh Bhatia 15 Feb 18 2.54 Yr. Data below for DSP BlackRock Banking and PSU Debt Fund as on 31 Aug 20
Asset Allocation
Asset Class Value Cash 8.36% Debt 91.64% Debt Sector Allocation
Sector Value Government 79.73% Corporate 14.75% Cash Equivalent 5.53% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity 7.27% Govt Stock 2026
Sovereign Bonds | -14% ₹477 Cr 43,500,000
↑ 6,000,000 NTPC Limited
Debentures | -9% ₹324 Cr 3,050
↑ 1,500 7.59% Govt Stock 2026
Sovereign Bonds | -8% ₹289 Cr 26,500,000 Hindustan Petroleum Corporation Limited
Debentures | -8% ₹268 Cr 2,450 Power Finance Corporation Limited
Debentures | -4% ₹152 Cr 1,450
↓ -100 National Bank For Agriculture And Rural Development
Debentures | -4% ₹130 Cr 1,250
↑ 400 6.97% Govt Stock 2026
Sovereign Bonds | -3% ₹108 Cr 10,000,000
↑ 10,000,000 Power Finance Corporation Limited
Debentures | -3% ₹105 Cr 1,000
↑ 150 Indian Oil Corporation Limited
Debentures | -3% ₹102 Cr 1,000
↓ -500 National Housing Bank
Debentures | -3% ₹89 Cr 800 4. Kotak Banking and PSU Debt fund
CAGR/Annualized return of since its launch. Ranked 19 in Banking & PSU Debt category. Return for 2019 was 10.8% , 2018 was 6.7% and 2017 was 6.2% . Kotak Banking and PSU Debt fund
Growth Launch Date 29 Dec 98 NAV (25 Sep 20) ₹49.0821 ↓ -0.01 (-0.02 %) Net Assets (Cr) ₹9,132 on 31 Aug 20 Category Debt - Banking & PSU Debt AMC Kotak Mahindra Asset Management Co Ltd Rating ☆☆☆☆ Risk Moderately Low Expense Ratio 0.38 Sharpe Ratio 1.74 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 1,000 Exit Load NIL Yield to Maturity 0% Effective Maturity 3 Years 11 Months 23 Days Modified Duration Growth of 10,000 investment over the years.
Date Value 31 Aug 15 ₹10,000 31 Aug 16 ₹10,929 31 Aug 17 ₹11,880 31 Aug 18 ₹12,394 31 Aug 19 ₹13,779 31 Aug 20 ₹15,185 Returns for Kotak Banking and PSU Debt fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 25 Sep 20 Duration Returns 1 Month 0.6% 3 Month 1.7% 6 Month 8.1% 1 Year 10.5% 3 Year 8.6% 5 Year 8.7% 10 Year 15 Year Since launch Historical performance (Yearly) on absolute basis
Year Returns 2019 10.8% 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% Fund Manager information for Kotak Banking and PSU Debt fund
Name Since Tenure Deepak Agrawal 15 Apr 08 12.39 Yr. Data below for Kotak Banking and PSU Debt fund as on 31 Aug 20
Asset Allocation
Asset Class Value Cash 11.3% Debt 88.7% Debt Sector Allocation
Sector Value Government 67.92% Corporate 22.62% Cash Equivalent 9.46% Credit Quality
Rating Value A 0.77% AA 14.27% AAA 84.97% Top Securities Holdings / Portfolio
Name Holding Value Quantity State Bank Of India
Debentures | -5% ₹429 Cr 3,900
↑ 2,000 7.59% Govt Stock 2026
Sovereign Bonds | -4% ₹394 Cr 36,500,000
↓ -17,500,000 National Bank For Agriculture And Rural Development
Debentures | -3% ₹311 Cr 3,000 7.27% Govt Stock 2026
Sovereign Bonds | -3% ₹278 Cr 26,000,000 6.79% Govt Stock 2027
Sovereign Bonds | -3% ₹275 Cr 26,500,000 7.42% MH SDL 2022
Sovereign Bonds | -3% ₹261 Cr 25,000,000
↑ 25,000,000 5.77% GOI 2030
Sovereign Bonds | -3% ₹253 Cr 26,000,000
↑ 26,000,000 182 DTB 12112020
Sovereign Bonds | -3% ₹248 Cr 25,000,000
↑ 25,000,000 7.68% Govt Stock 2023
Sovereign Bonds | -3% ₹243 Cr 22,500,000 National Bank For Agriculture And Rural Development
Debentures | -2% ₹207 Cr 2,000
↑ 2,000 5. Aditya Birla Sun Life Banking & PSU Debt Fund
CAGR/Annualized return of 8.5% since its launch. Ranked 9 in Banking & PSU Debt category. Return for 2019 was 9.9% , 2018 was 6.6% and 2017 was 5.6% . Aditya Birla Sun Life Banking & PSU Debt Fund
Growth Launch Date 9 May 08 NAV (25 Sep 20) ₹275.828 ↓ -0.07 (-0.03 %) Net Assets (Cr) ₹13,519 on 31 Aug 20 Category Debt - Banking & PSU Debt AMC Birla Sun Life Asset Management Co Ltd Rating ☆☆☆☆ Risk Moderate Expense Ratio 0.64 Sharpe Ratio 1.91 Information Ratio 0 Alpha Ratio 0 Min Investment 1,000 Min SIP Investment 1,000 Exit Load NIL Yield to Maturity 5.51% Effective Maturity 3 Years 9 Months 22 Days Modified Duration 2 Years 11 Months 16 Days Growth of 10,000 investment over the years.
Date Value 31 Aug 15 ₹10,000 31 Aug 16 ₹11,168 31 Aug 17 ₹12,097 31 Aug 18 ₹12,597 31 Aug 19 ₹13,964 31 Aug 20 ₹15,366 Returns for Aditya Birla Sun Life Banking & PSU Debt Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 25 Sep 20 Duration Returns 1 Month 0.5% 3 Month 1.5% 6 Month 8.5% 1 Year 10.4% 3 Year 8.4% 5 Year 8.9% 10 Year 15 Year Since launch 8.5% Historical performance (Yearly) on absolute basis
Year Returns 2019 9.9% 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% Fund Manager information for Aditya Birla Sun Life Banking & PSU Debt Fund
Name Since Tenure Kaustubh Gupta 29 Sep 09 10.93 Yr. Pranay Sinha 6 Aug 20 0.07 Yr. Data below for Aditya Birla Sun Life Banking & PSU Debt Fund as on 31 Aug 20
Asset Allocation
Asset Class Value Cash 3.43% Debt 96.57% Debt Sector Allocation
Sector Value Government 58.49% Corporate 38.07% Cash Equivalent 3.43% Credit Quality
Rating Value AA 0.19% AAA 99.81% Top Securities Holdings / Portfolio
Name Holding Value Quantity 7.59% Govt Stock 2026
Sovereign Bonds | -3% ₹400 Cr 37,000,000
↑ 4,000,000 6.79% Govt Stock 2027
Sovereign Bonds | -3% ₹378 Cr 36,500,000
↓ -3,000,000 8.24% Govt Stock 2027
Sovereign Bonds | -2% ₹305 Cr 27,500,000
↑ 8,000,000 National Bank For Agriculture And Rural Development
Debentures | -2% ₹300 Cr 2,900
↑ 750 National Bank For Agriculture And Rural Development
Debentures | -2% ₹295 Cr 2,800 Housing And Urban Development Corporation Ltd.
Debentures | -2% ₹282 Cr 2,750 Power Finance Corporation Limited
Debentures | -2% ₹271 Cr 2,605 NATIONAL BANK FOR AGRICULTURE AND RURAL DEVELOPMENT
Debentures | -2% ₹270 Cr 2,500 SMALL INDUSTRIES DEVELOPMENT BANK OF INDIA
Debentures | -2% ₹267 Cr 2,600 Housing And Urban Development Corporation Limited (Hudco)
Debentures | -2% ₹266 Cr 2,600
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