Top 5 Best Banking and PSU Debt Funds 2026

Updated on January 20, 2026 , 21109 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 2026 - 2027.

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Fund Selection Methodology used to find 5 funds

Category: Debt
Sub-category: Banking%20&%20PSU%20Debt
Sorted On : drat (high to low)
Tags: fcpro
No Of Funds: 5

Top Performing Banking and PSU Debt Funds

Fund	NAV	Net Assets (Cr)	3 MO (%)	6 MO (%)	1 YR (%)	3 YR (%)	2024 (%)	Debt Yield (YTM)	Mod. Duration	Eff. Maturity
UTI Banking & PSU Debt Fund Growth	₹22.6104 ↑ 0.03	₹1,015	0.9	2.2	7.3	7.2	7.8	6.67%	1Y 3M 11D	1Y 5M 8D
HDFC Banking and PSU Debt Fund Growth	₹23.5994 ↑ 0.02	₹5,719	0.5	1.7	6.8	7.2	7.5	6.99%	3Y 2M 19D	4Y 6M 18D
ICICI Prudential Banking and PSU Debt Fund Growth	₹33.7074 ↑ 0.04	₹9,728	0.9	2.1	7.1	7.5	7.6	6.93%	2Y 7M 6D	5Y
Kotak Banking and PSU Debt fund Growth	₹67.2746 ↑ 0.06	₹5,608	0.7	2	7.1	7.3	7.7	6.93%	3Y 1M 17D	4Y 9M 4D
Aditya Birla Sun Life Banking & PSU Debt Fund Growth	₹375.654 ↑ 0.37	₹9,064	0.3	1.5	6.6	7.1	7.3	7.02%	3Y 6M 29D	4Y 10M 13D
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 22 Jan 26

Research Highlights & Commentary of 5 Funds showcased

Commentary	UTI Banking & PSU Debt Fund	HDFC Banking and PSU Debt Fund	ICICI Prudential Banking and PSU Debt Fund	Kotak Banking and PSU Debt fund	Aditya Birla Sun Life Banking & PSU Debt Fund
Point 1	Bottom quartile AUM (₹1,015 Cr).	Lower mid AUM (₹5,719 Cr).	Highest AUM (₹9,728 Cr).	Bottom quartile AUM (₹5,608 Cr).	Upper mid AUM (₹9,064 Cr).
Point 2	Established history (11+ yrs).	Established history (11+ yrs).	Established history (16+ yrs).	Oldest track record among peers (27 yrs).	Established history (17+ yrs).
Point 3	Top rated.	Rating: 5★ (upper mid).	Rating: 4★ (lower mid).	Rating: 4★ (bottom quartile).	Rating: 4★ (bottom quartile).
Point 4	Risk profile: Moderate.	Risk profile: Moderately Low.	Risk profile: Moderate.	Risk profile: Moderately Low.	Risk profile: Moderate.
Point 5	1Y return: 7.33% (top quartile).	1Y return: 6.76% (bottom quartile).	1Y return: 7.08% (upper mid).	1Y return: 7.05% (lower mid).	1Y return: 6.61% (bottom quartile).
Point 6	1M return: 0.19% (top quartile).	1M return: 0.03% (bottom quartile).	1M return: 0.11% (upper mid).	1M return: 0.05% (lower mid).	1M return: 0.00% (bottom quartile).
Point 7	Sharpe: 1.48 (top quartile).	Sharpe: 0.74 (bottom quartile).	Sharpe: 1.11 (upper mid).	Sharpe: 0.86 (lower mid).	Sharpe: 0.67 (bottom quartile).
Point 8	Information ratio: 0.00 (top quartile).	Information ratio: 0.00 (upper mid).	Information ratio: 0.00 (lower mid).	Information ratio: 0.00 (bottom quartile).	Information ratio: 0.00 (bottom quartile).
Point 9	Yield to maturity (debt): 6.67% (bottom quartile).	Yield to maturity (debt): 6.99% (upper mid).	Yield to maturity (debt): 6.93% (lower mid).	Yield to maturity (debt): 6.93% (bottom quartile).	Yield to maturity (debt): 7.02% (top quartile).
Point 10	Modified duration: 1.28 yrs (top quartile).	Modified duration: 3.22 yrs (bottom quartile).	Modified duration: 2.60 yrs (upper mid).	Modified duration: 3.13 yrs (lower mid).	Modified duration: 3.58 yrs (bottom quartile).

UTI Banking & PSU Debt Fund

Bottom quartile AUM (₹1,015 Cr).
Established history (11+ yrs).
Top rated.
Risk profile: Moderate.
1Y return: 7.33% (top quartile).
1M return: 0.19% (top quartile).
Sharpe: 1.48 (top quartile).
Information ratio: 0.00 (top quartile).
Yield to maturity (debt): 6.67% (bottom quartile).
Modified duration: 1.28 yrs (top quartile).

HDFC Banking and PSU Debt Fund

Lower mid AUM (₹5,719 Cr).
Established history (11+ yrs).
Rating: 5★ (upper mid).
Risk profile: Moderately Low.
1Y return: 6.76% (bottom quartile).
1M return: 0.03% (bottom quartile).
Sharpe: 0.74 (bottom quartile).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 6.99% (upper mid).
Modified duration: 3.22 yrs (bottom quartile).

ICICI Prudential Banking and PSU Debt Fund

Highest AUM (₹9,728 Cr).
Established history (16+ yrs).
Rating: 4★ (lower mid).
Risk profile: Moderate.
1Y return: 7.08% (upper mid).
1M return: 0.11% (upper mid).
Sharpe: 1.11 (upper mid).
Information ratio: 0.00 (lower mid).
Yield to maturity (debt): 6.93% (lower mid).
Modified duration: 2.60 yrs (upper mid).

Kotak Banking and PSU Debt fund

Bottom quartile AUM (₹5,608 Cr).
Oldest track record among peers (27 yrs).
Rating: 4★ (bottom quartile).
Risk profile: Moderately Low.
1Y return: 7.05% (lower mid).
1M return: 0.05% (lower mid).
Sharpe: 0.86 (lower mid).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 6.93% (bottom quartile).
Modified duration: 3.13 yrs (lower mid).

Aditya Birla Sun Life Banking & PSU Debt Fund

Upper mid AUM (₹9,064 Cr).
Established history (17+ yrs).
Rating: 4★ (bottom quartile).
Risk profile: Moderate.
1Y return: 6.61% (bottom quartile).
1M return: 0.00% (bottom quartile).
Sharpe: 0.67 (bottom quartile).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 7.02% (top quartile).
Modified duration: 3.58 yrs (bottom quartile).

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Top 5 Best Performing Banking and PSU Debt Funds

1. 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).

Research Highlights for UTI Banking & PSU Debt Fund

Bottom quartile AUM (₹1,015 Cr).
Established history (11+ yrs).
Top rated.
Risk profile: Moderate.
1Y return: 7.33% (top quartile).
1M return: 0.19% (top quartile).
Sharpe: 1.48 (top quartile).
Information ratio: 0.00 (top quartile).
Yield to maturity (debt): 6.67% (bottom quartile).
Modified duration: 1.28 yrs (top quartile).
Average maturity: 1.44 yrs (top quartile).
Exit load: NIL.

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

UTI Banking & PSU Debt Fund Growth
Launch Date	3 Feb 14
NAV (22 Jan 26)	₹22.6104 ↑ 0.03 (0.11 %)
Net Assets (Cr)	₹1,015 on 31 Dec 25
Category	Debt - Banking & PSU Debt
AMC	UTI Asset Management Company Ltd
Rating	☆☆☆☆☆
Risk	Moderate
Expense Ratio	0.54
Sharpe Ratio	1.48
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	500
Exit Load	NIL
Yield to Maturity	6.67%
Effective Maturity	1 Year 5 Months 8 Days
Modified Duration	1 Year 3 Months 11 Days

Growth of 10,000 investment over the years.

Date	Value
31 Dec 20	₹10,000
31 Dec 21	₹10,282
31 Dec 22	₹11,342
31 Dec 23	₹12,097
31 Dec 24	₹13,021
31 Dec 25	₹14,037

UTI Banking & PSU Debt Fund SIP Returns

Total investment amount is ₹180,000
expected amount after 3 Years is ₹203,125.
Net Profit of ₹23,125 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 22 Jan 26

Duration	Returns
1 Month	0.2%
3 Month	0.9%
6 Month	2.2%
1 Year	7.3%
3 Year	7.2%
5 Year	7.1%
10 Year
15 Year
Since launch	7.1%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	7.8%
2023	7.6%
2022	6.7%
2021	10.3%
2020	2.8%
2019	8.9%
2018	-1%
2017	6.8%
2016	6.4%
2015	11.7%

Fund Manager information for UTI Banking & PSU Debt Fund

Name	Since	Tenure
Anurag Mittal	1 Dec 21	4.09 Yr.

Data below for UTI Banking & PSU Debt Fund as on 31 Dec 25

Asset Allocation

Asset Class	Value
Cash	11.8%
Debt	87.93%
Other	0.27%

Debt Sector Allocation

Sector	Value
Corporate	57.66%
Government	31.19%
Cash Equivalent	10.87%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
7.38% Govt Stock 2027 Sovereign Bonds \| -	9%	₹87 Cr	850,000,000 ↓ -50,000,000
Kotak Mahindra Bank Ltd. Debentures \| -	7%	₹71 Cr	750,000,000 ↑ 750,000,000
Axis Bank Limited Debentures \| -	5%	₹55 Cr	550
Export Import Bank Of India Debentures \| -	5%	₹51 Cr	5,000
Small Industries Development Bank Of India Debentures \| -	5%	₹51 Cr	5,000
Power Finance Corporation Limited Debentures \| -	4%	₹41 Cr	400
Rural Electrification Corporation Limited Debentures \| -	4%	₹36 Cr	3,500
National Housing Bank Debentures \| -	3%	₹35 Cr	3,500
HDFC Bank Limited Debentures \| -	3%	₹35 Cr	350
National Bank For Agriculture And Rural Development Debentures \| -	3%	₹30 Cr	3,000

2. 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.

Research Highlights for HDFC Banking and PSU Debt Fund

Lower mid AUM (₹5,719 Cr).
Established history (11+ yrs).
Rating: 5★ (upper mid).
Risk profile: Moderately Low.
1Y return: 6.76% (bottom quartile).
1M return: 0.03% (bottom quartile).
Sharpe: 0.74 (bottom quartile).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 6.99% (upper mid).
Modified duration: 3.22 yrs (bottom quartile).
Average maturity: 4.55 yrs (upper mid).
Exit load: NIL.

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 (22 Jan 26)	₹23.5994 ↑ 0.02 (0.10 %)
Net Assets (Cr)	₹5,719 on 31 Dec 25
Category	Debt - Banking & PSU Debt
AMC	HDFC Asset Management Company Limited
Rating	☆☆☆☆☆
Risk	Moderately Low
Expense Ratio	0.78
Sharpe Ratio	0.74
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	300
Exit Load	NIL
Yield to Maturity	6.99%
Effective Maturity	4 Years 6 Months 18 Days
Modified Duration	3 Years 2 Months 19 Days

Growth of 10,000 investment over the years.

Date	Value
31 Dec 20	₹10,000
31 Dec 21	₹10,366
31 Dec 22	₹10,706
31 Dec 23	₹11,437
31 Dec 24	₹12,335
31 Dec 25	₹13,255

HDFC Banking and PSU Debt Fund SIP Returns

Total investment amount is ₹180,000
expected amount after 3 Years is ₹197,169.
Net Profit of ₹17,169 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 22 Jan 26

Duration	Returns
1 Month	0%
3 Month	0.5%
6 Month	1.7%
1 Year	6.8%
3 Year	7.2%
5 Year	5.8%
10 Year
15 Year
Since launch	7.5%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	7.5%
2023	7.9%
2022	6.8%
2021	3.3%
2020	3.7%
2019	10.6%
2018	10.2%
2017	5.9%
2016	6.3%
2015	10.8%

Fund Manager information for HDFC Banking and PSU Debt Fund

Name	Since	Tenure
Anil Bamboli	26 Mar 14	11.78 Yr.
Dhruv Muchhal	22 Jun 23	2.53 Yr.

Data below for HDFC Banking and PSU Debt Fund as on 31 Dec 25

Asset Allocation

Asset Class	Value
Cash	6.96%
Debt	92.73%
Other	0.31%

Debt Sector Allocation

Sector	Value
Corporate	57.74%
Government	35.84%
Cash Equivalent	6.11%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Indian Railway Finance Corporation Limited Debentures \| -	5%	₹279 Cr	27,500
Indian Railway Finance Corporation Limited Debentures \| -	4%	₹204 Cr	20,000
7.18% Govt Stock 2033 Sovereign Bonds \| -	3%	₹170 Cr	16,500,000
Bajaj Housing Finance Limited Debentures \| -	3%	₹152 Cr	15,000
Rec Limited Debentures \| -	3%	₹152 Cr	1,500
Housing And Urban Development Corporation Limited Debentures \| -	3%	₹151 Cr	15,000
7.26% Govt Stock 2033 Sovereign Bonds \| -	3%	₹150 Cr	14,500,000
Small Industries Development Bank Of India Debentures \| -	2%	₹140 Cr	14,000
Housing And Urban Development Corporation Limited Debentures \| -	2%	₹131 Cr	1,250
HDFC Bank Limited Debentures \| -	2%	₹129 Cr	12,500

3. ICICI Prudential Banking and PSU Debt Fund

The investment objective of the Scheme is to generate regular income through investments in a basket of debt and money market instruments consisting predominantly of securities issued by entities such as Banks and Public Sector Undertakings (PSU) with a view to providing reasonable returns,while maintaining an optimum balance of safety, liquidity and yield.

Research Highlights for ICICI Prudential Banking and PSU Debt Fund

Highest AUM (₹9,728 Cr).
Established history (16+ yrs).
Rating: 4★ (lower mid).
Risk profile: Moderate.
1Y return: 7.08% (upper mid).
1M return: 0.11% (upper mid).
Sharpe: 1.11 (upper mid).
Information ratio: 0.00 (lower mid).
Yield to maturity (debt): 6.93% (lower mid).
Modified duration: 2.60 yrs (upper mid).
Average maturity: 5.00 yrs (bottom quartile).
Exit load: NIL.

Below is the key information for ICICI Prudential Banking and PSU Debt Fund

ICICI Prudential Banking and PSU Debt Fund Growth
Launch Date	1 Jan 10
NAV (22 Jan 26)	₹33.7074 ↑ 0.04 (0.12 %)
Net Assets (Cr)	₹9,728 on 31 Dec 25
Category	Debt - Banking & PSU Debt
AMC	ICICI Prudential Asset Management Company Limited
Rating	☆☆☆☆
Risk	Moderate
Expense Ratio	0.74
Sharpe Ratio	1.11
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	100
Exit Load	NIL
Yield to Maturity	6.93%
Effective Maturity	5 Years
Modified Duration	2 Years 7 Months 6 Days

Growth of 10,000 investment over the years.

Date	Value
31 Dec 20	₹10,000
31 Dec 21	₹10,422
31 Dec 22	₹10,867
31 Dec 23	₹11,662
31 Dec 24	₹12,583
31 Dec 25	₹13,543

ICICI Prudential Banking and PSU Debt Fund SIP Returns

Total investment amount is ₹180,000
expected amount after 3 Years is ₹200,132.
Net Profit of ₹20,132 Invest Now

Returns for ICICI Prudential 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 22 Jan 26

Duration	Returns
1 Month	0.1%
3 Month	0.9%
6 Month	2.1%
1 Year	7.1%
3 Year	7.5%
5 Year	6.2%
10 Year
15 Year
Since launch	7.9%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	7.6%
2023	7.9%
2022	7.3%
2021	4.3%
2020	4.2%
2019	9.3%
2018	10.1%
2017	5.7%
2016	5.6%
2015	12.6%

Fund Manager information for ICICI Prudential Banking and PSU Debt Fund

Name	Since	Tenure
Manish Banthia	13 Sep 24	1.3 Yr.
Rohit Lakhotia	12 Jun 23	2.56 Yr.

Data below for ICICI Prudential Banking and PSU Debt Fund as on 31 Dec 25

Asset Allocation

Asset Class	Value
Cash	26.37%
Debt	73.32%
Other	0.31%

Debt Sector Allocation

Sector	Value
Corporate	57.52%
Cash Equivalent	22.6%
Government	19.57%

Credit Quality

Rating	Value
AA	0.88%
AAA	99.12%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
LIC Housing Finance Ltd Debentures \| -	5%	₹454 Cr	45,000
National Bank For Agriculture And Rural Development Debentures \| -	4%	₹405 Cr	40,000
7.34% Govt Stock 2064 Sovereign Bonds \| -	4%	₹364 Cr	36,467,800
National Bank For Agriculture And Rural Development Debentures \| -	3%	₹304 Cr	30,000
Rec Limited Debentures \| -	3%	₹249 Cr	25,000
Small Industries Development Bank Of India Debentures \| -	2%	₹227 Cr	22,500 ↓ -10,000
Mahanagar Telephone Nigam Limited Debentures \| -	2%	₹225 Cr	22,500
Small Industries Development Bank Of India Debentures \| -	2%	₹203 Cr	20,000
SIDDHIVINAYAK SECURITISATION TRUST Unlisted bonds \| -	2%	₹201 Cr	200
Bharat Petroleum Corporation Limited Debentures \| -	2%	₹200 Cr	20,000

4. 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.

Research Highlights for Kotak Banking and PSU Debt fund

Bottom quartile AUM (₹5,608 Cr).
Oldest track record among peers (27 yrs).
Rating: 4★ (bottom quartile).
Risk profile: Moderately Low.
1Y return: 7.05% (lower mid).
1M return: 0.05% (lower mid).
Sharpe: 0.86 (lower mid).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 6.93% (bottom quartile).
Modified duration: 3.13 yrs (lower mid).
Average maturity: 4.76 yrs (lower mid).
Exit load: NIL.

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 (22 Jan 26)	₹67.2746 ↑ 0.06 (0.09 %)
Net Assets (Cr)	₹5,608 on 31 Dec 25
Category	Debt - Banking & PSU Debt
AMC	Kotak Mahindra Asset Management Co Ltd
Rating	☆☆☆☆
Risk	Moderately Low
Expense Ratio	0.76
Sharpe Ratio	0.86
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	1,000
Exit Load	NIL
Yield to Maturity	6.93%
Effective Maturity	4 Years 9 Months 4 Days
Modified Duration	3 Years 1 Month 17 Days

Growth of 10,000 investment over the years.

Date	Value
31 Dec 20	₹10,000
31 Dec 21	₹10,391
31 Dec 22	₹10,765
31 Dec 23	₹11,494
31 Dec 24	₹12,417
31 Dec 25	₹13,370

Kotak Banking and PSU Debt fund SIP Returns

Total investment amount is ₹180,000
expected amount after 3 Years is ₹197,169.
Net Profit of ₹17,169 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 22 Jan 26

Duration	Returns
1 Month	0%
3 Month	0.7%
6 Month	2%
1 Year	7.1%
3 Year	7.3%
5 Year	6%
10 Year
15 Year
Since launch

Historical performance (Yearly) on absolute basis

Year	Returns
2024	7.7%
2023	8%
2022	6.8%
2021	3.6%
2020	3.9%
2019	10.5%
2018	10.8%
2017	6.7%
2016	6.2%
2015	10%

Fund Manager information for Kotak Banking and PSU Debt fund

Name	Since	Tenure
Deepak Agrawal	1 Aug 08	17.43 Yr.
Dharmesh Thakkar	1 Jun 25	0.59 Yr.

Data below for Kotak Banking and PSU Debt fund as on 31 Dec 25

Asset Allocation

Asset Class	Value
Cash	9.61%
Debt	90.07%
Other	0.32%

Debt Sector Allocation

Sector	Value
Corporate	52.44%
Government	37.63%
Cash Equivalent	9.61%

Credit Quality

Rating	Value
AA	2.81%
AAA	97.19%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Power Finance Corporation Limited Debentures \| -	6%	₹336 Cr	33,000
Indian Oil Corporation Limited Debentures \| -	3%	₹193 Cr	19,000
Gujarat (Government of) 0.0698% - \| -	3%	₹170 Cr	17,217,580
7.09% Govt Stock 2054 Sovereign Bonds \| -	3%	₹169 Cr	17,300,000 ↓ -7,000,000
Power Grid Corporation Of India Limited Debentures \| -	3%	₹163 Cr	20,004
HDFC Bank Limited Debentures \| -	3%	₹156 Cr	1,500
Rec Limited Debentures \| -	3%	₹154 Cr	15,000
Axis Bank Ltd. Debentures \| -	3%	₹148 Cr	15,000 ↑ 15,000
State Bank Of India Debentures \| -	3%	₹144 Cr	1,450
Small Industries Development Bank Of India Debentures \| -	2%	₹138 Cr	13,500

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.

Research Highlights for Aditya Birla Sun Life Banking & PSU Debt Fund

Upper mid AUM (₹9,064 Cr).
Established history (17+ yrs).
Rating: 4★ (bottom quartile).
Risk profile: Moderate.
1Y return: 6.61% (bottom quartile).
1M return: 0.00% (bottom quartile).
Sharpe: 0.67 (bottom quartile).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 7.02% (top quartile).
Modified duration: 3.58 yrs (bottom quartile).
Average maturity: 4.87 yrs (bottom quartile).
Exit load: NIL.

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 (22 Jan 26)	₹375.654 ↑ 0.37 (0.10 %)
Net Assets (Cr)	₹9,064 on 31 Dec 25
Category	Debt - Banking & PSU Debt
AMC	Birla Sun Life Asset Management Co Ltd
Rating	☆☆☆☆
Risk	Moderate
Expense Ratio	0.73
Sharpe Ratio	0.67
Information Ratio	0
Alpha Ratio	0
Min Investment	1,000
Min SIP Investment	1,000
Exit Load	NIL
Yield to Maturity	7.02%
Effective Maturity	4 Years 10 Months 13 Days
Modified Duration	3 Years 6 Months 29 Days

Growth of 10,000 investment over the years.

Date	Value
31 Dec 20	₹10,000
31 Dec 21	₹10,359
31 Dec 22	₹10,737
31 Dec 23	₹11,474
31 Dec 24	₹12,377
31 Dec 25	₹13,286

Aditya Birla Sun Life Banking & PSU Debt Fund SIP Returns

Total investment amount is ₹180,000
expected amount after 3 Years is ₹197,169.
Net Profit of ₹17,169 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 22 Jan 26

Duration	Returns
1 Month	0%
3 Month	0.3%
6 Month	1.5%
1 Year	6.6%
3 Year	7.1%
5 Year	5.8%
10 Year
15 Year
Since launch	7.8%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	7.3%
2023	7.9%
2022	6.9%
2021	3.7%
2020	3.6%
2019	10.9%
2018	9.9%
2017	6.6%
2016	5.6%
2015	12.3%

Fund Manager information for Aditya Birla Sun Life Banking & PSU Debt Fund

Name	Since	Tenure
Kaustubh Gupta	29 Sep 09	16.27 Yr.
Harshil Suvarnkar	22 Mar 21	4.78 Yr.

Data below for Aditya Birla Sun Life Banking & PSU Debt Fund as on 31 Dec 25

Asset Allocation

Asset Class	Value
Cash	7.32%
Debt	92.38%
Other	0.3%

Debt Sector Allocation

Sector	Value
Corporate	54.86%
Government	39.31%
Cash Equivalent	5.53%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
National Bank For Agriculture And Rural Development Debentures \| -	4%	₹395 Cr	39,000
Power Finance Corporation Limited Debentures \| -	3%	₹302 Cr	30,000
Power Finance Corporation Limited Debentures \| -	3%	₹229 Cr	22,500
National Housing Bank Debentures \| -	2%	₹222 Cr	22,500
State Bank Of India Debentures \| -	2%	₹211 Cr	210
Bharti Telecom Limited Debentures \| -	2%	₹204 Cr	20,500
7.1% Govt Stock 2034 Sovereign Bonds \| -	2%	₹199 Cr	19,359,100
Indian Railway Finance Corporation Limited Debentures \| -	2%	₹197 Cr	20,000
Rec Limited Debentures \| -	2%	₹192 Cr	19,000
HDFC Bank Limited Debentures \| -	2%	₹186 Cr	1,800

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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.