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শীর্ষ 5 সেরা ব্যাঙ্কিং এবং PSU ঋণ তহবিল 2022৷

Updated on April 11, 2026 , 21301 views

ব্যাঙ্কিং এবং PSU ঋণ তহবিল হল ভারতের সিকিউরিটিজ অ্যান্ড এক্সচেঞ্জ বোর্ড দ্বারা প্রবর্তিত নতুন উপ-শ্রেণী (সেবিঋণে )পারস্পরিক তহবিল বিভাগ এই তহবিল প্রধানত ঋণ বিনিয়োগ এবংঅর্থ বাজার ব্যাঙ্ক, পাবলিক ফাইন্যান্সিয়াল ইনস্টিটিউশন, পাবলিক সেক্টর আন্ডারটেকিংস ইত্যাদির মতো সত্তা দ্বারা জারি করা সিকিউরিটিজ সমন্বিত যন্ত্র। এই বিকল্পটিকে সর্বোত্তম ভারসাম্য বজায় রাখার জন্য বিবেচনা করা হয়তারল্য, নিরাপত্তা, এবং ফলন.

ব্যাঙ্কিং এবং পিএসইউঋণ তহবিল ঋণ তহবিলের স্বল্পমেয়াদী বিভাগের অন্তর্গত যার লক্ষ্য নিরাপদ রিটার্ন অফার করা এবং ঝুঁকি কমানোবিনিয়োগ ভাল মানের ঋণ উপকরণ প্রধানত ব্যাঙ্ক এবং সরকারী খাতের উদ্যোগ দ্বারা জারি করা. যে বিনিয়োগকারীরা স্বল্প সময়ের জন্য, আদর্শভাবে 2-3 বছরের জন্য বিনিয়োগ করতে আগ্রহী তারা এই স্কিমে বিনিয়োগ করতে পারেন।

এখানে 2022 - 2023 সালের সেরা পারফর্মিং ব্যাঙ্কিং এবং PSU ঋণ তহবিলগুলির মধ্যে কয়েকটি রয়েছে৷

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Banking-PSU-Funds

শীর্ষ পারফর্মিং ব্যাঙ্কিং এবং PSU ঋণ তহবিল

FundNAVNet Assets (Cr)3 MO (%)6 MO (%)1 YR (%)3 YR (%)2024 (%)Debt Yield (YTM)Mod. DurationEff. Maturity
UTI Banking & PSU Debt Fund Growth ₹22.9254
↑ 0.01
₹1,0991.42.46.37.17.86.87%1Y 18D1Y 1M 20D
HDFC Banking and PSU Debt Fund Growth ₹23.803
↑ 0.00
₹5,5990.71.54.96.97.57.14%3Y 1M 6D4Y 4M 2D
ICICI Prudential Banking and PSU Debt Fund Growth ₹34.0262
↓ 0.00
₹9,2930.91.95.47.27.67.21%3Y 3M 22D5Y 11M 8D
Kotak Banking and PSU Debt fund Growth ₹67.9827
↓ -0.01
₹5,4090.925.47.17.77.17%3Y 2M 8D4Y 14D
Aditya Birla Sun Life Banking & PSU Debt Fund Growth ₹379.644
↑ 0.05
₹8,9910.91.64.96.97.37.13%3Y 3M 4D4Y 6M 7D
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 13 Apr 26

Research Highlights & Commentary of 5 Funds showcased

CommentaryUTI Banking & PSU Debt FundHDFC Banking and PSU Debt FundICICI Prudential Banking and PSU Debt FundKotak Banking and PSU Debt fundAditya Birla Sun Life Banking & PSU Debt Fund
Point 1Bottom quartile AUM (₹1,099 Cr).Lower mid AUM (₹5,599 Cr).Highest AUM (₹9,293 Cr).Bottom quartile AUM (₹5,409 Cr).Upper mid AUM (₹8,991 Cr).
Point 2Established history (12+ yrs).Established history (12+ yrs).Established history (16+ yrs).Oldest track record among peers (27 yrs).Established history (17+ yrs).
Point 3Top rated.Rating: 5★ (upper mid).Rating: 4★ (lower mid).Rating: 4★ (bottom quartile).Rating: 4★ (bottom quartile).
Point 4Risk profile: Moderate.Risk profile: Moderately Low.Risk profile: Moderate.Risk profile: Moderately Low.Risk profile: Moderate.
Point 51Y return: 6.28% (top quartile).1Y return: 4.91% (bottom quartile).1Y return: 5.41% (upper mid).1Y return: 5.39% (lower mid).1Y return: 4.93% (bottom quartile).
Point 61M return: 0.66% (top quartile).1M return: 0.12% (bottom quartile).1M return: 0.29% (lower mid).1M return: 0.21% (bottom quartile).1M return: 0.31% (upper mid).
Point 7Sharpe: 1.24 (top quartile).Sharpe: 0.66 (bottom quartile).Sharpe: 0.96 (upper mid).Sharpe: 0.85 (lower mid).Sharpe: 0.56 (bottom quartile).
Point 8Information 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 9Yield to maturity (debt): 6.87% (bottom quartile).Yield to maturity (debt): 7.14% (lower mid).Yield to maturity (debt): 7.21% (top quartile).Yield to maturity (debt): 7.17% (upper mid).Yield to maturity (debt): 7.13% (bottom quartile).
Point 10Modified duration: 1.05 yrs (top quartile).Modified duration: 3.10 yrs (upper mid).Modified duration: 3.31 yrs (bottom quartile).Modified duration: 3.19 yrs (lower mid).Modified duration: 3.26 yrs (bottom quartile).

UTI Banking & PSU Debt Fund

  • Bottom quartile AUM (₹1,099 Cr).
  • Established history (12+ yrs).
  • Top rated.
  • Risk profile: Moderate.
  • 1Y return: 6.28% (top quartile).
  • 1M return: 0.66% (top quartile).
  • Sharpe: 1.24 (top quartile).
  • Information ratio: 0.00 (top quartile).
  • Yield to maturity (debt): 6.87% (bottom quartile).
  • Modified duration: 1.05 yrs (top quartile).

HDFC Banking and PSU Debt Fund

  • Lower mid AUM (₹5,599 Cr).
  • Established history (12+ yrs).
  • Rating: 5★ (upper mid).
  • Risk profile: Moderately Low.
  • 1Y return: 4.91% (bottom quartile).
  • 1M return: 0.12% (bottom quartile).
  • Sharpe: 0.66 (bottom quartile).
  • Information ratio: 0.00 (upper mid).
  • Yield to maturity (debt): 7.14% (lower mid).
  • Modified duration: 3.10 yrs (upper mid).

ICICI Prudential Banking and PSU Debt Fund

  • Highest AUM (₹9,293 Cr).
  • Established history (16+ yrs).
  • Rating: 4★ (lower mid).
  • Risk profile: Moderate.
  • 1Y return: 5.41% (upper mid).
  • 1M return: 0.29% (lower mid).
  • Sharpe: 0.96 (upper mid).
  • Information ratio: 0.00 (lower mid).
  • Yield to maturity (debt): 7.21% (top quartile).
  • Modified duration: 3.31 yrs (bottom quartile).

Kotak Banking and PSU Debt fund

  • Bottom quartile AUM (₹5,409 Cr).
  • Oldest track record among peers (27 yrs).
  • Rating: 4★ (bottom quartile).
  • Risk profile: Moderately Low.
  • 1Y return: 5.39% (lower mid).
  • 1M return: 0.21% (bottom quartile).
  • Sharpe: 0.85 (lower mid).
  • Information ratio: 0.00 (bottom quartile).
  • Yield to maturity (debt): 7.17% (upper mid).
  • Modified duration: 3.19 yrs (lower mid).

Aditya Birla Sun Life Banking & PSU Debt Fund

  • Upper mid AUM (₹8,991 Cr).
  • Established history (17+ yrs).
  • Rating: 4★ (bottom quartile).
  • Risk profile: Moderate.
  • 1Y return: 4.93% (bottom quartile).
  • 1M return: 0.31% (upper mid).
  • Sharpe: 0.56 (bottom quartile).
  • Information ratio: 0.00 (bottom quartile).
  • Yield to maturity (debt): 7.13% (bottom quartile).
  • Modified duration: 3.26 yrs (bottom quartile).

শীর্ষ 5 সেরা পারফর্মিং ব্যাঙ্কিং এবং PSU ঋণ তহবিল

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 (₹1,099 Cr).
  • Established history (12+ yrs).
  • Top rated.
  • Risk profile: Moderate.
  • 1Y return: 6.28% (top quartile).
  • 1M return: 0.66% (top quartile).
  • Sharpe: 1.24 (top quartile).
  • Information ratio: 0.00 (top quartile).
  • Yield to maturity (debt): 6.87% (bottom quartile).
  • Modified duration: 1.05 yrs (top quartile).
  • Average maturity: 1.14 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 (13 Apr 26) ₹22.9254 ↑ 0.01   (0.04 %)
Net Assets (Cr) ₹1,099 on 28 Feb 26
Category Debt - Banking & PSU Debt
AMC UTI Asset Management Company Ltd
Rating
Risk Moderate
Expense Ratio 0.54
Sharpe Ratio 1.24
Information Ratio 0
Alpha Ratio 0
Min Investment 5,000
Min SIP Investment 500
Exit Load NIL
Yield to Maturity 6.87%
Effective Maturity 1 Year 1 Month 20 Days
Modified Duration 1 Year 18 Days

Growth of 10,000 investment over the years.

DateValue
31 Mar 21₹10,000
31 Mar 22₹10,357
31 Mar 23₹11,500
31 Mar 24₹12,313
31 Mar 25₹13,272
31 Mar 26₹14,137

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 ₹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 13 Apr 26

DurationReturns
1 Month 0.7%
3 Month 1.4%
6 Month 2.4%
1 Year 6.3%
3 Year 7.1%
5 Year 7.2%
10 Year
15 Year
Since launch 7%
Historical performance (Yearly) on absolute basis
YearReturns
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
NameSinceTenure
Anurag Mittal1 Dec 214.33 Yr.

Data below for UTI Banking & PSU Debt Fund as on 28 Feb 26

Asset Allocation
Asset ClassValue
Cash30.96%
Debt68.78%
Other0.26%
Debt Sector Allocation
SectorValue
Corporate56.67%
Government28.62%
Cash Equivalent14.45%
Credit Quality
RatingValue
AAA100%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
National Housing Bank
Debentures | -
5%₹60 Cr6,000
Axis Bank Limited
Debentures | -
5%₹55 Cr550
7.38% Gs 2027
Sovereign Bonds | -
5%₹51 Cr500,000,000
Small Industries Development Bank Of India
Debentures | -
4%₹50 Cr5,000
Export Import Bank Of India
Debentures | -
4%₹50 Cr5,000
Power Finance Corporation Limited
Debentures | -
4%₹40 Cr400
National Bank For Agriculture And Rural Development
Debentures | -
4%₹40 Cr4,000
HDFC Bank Limited
Debentures | -
3%₹35 Cr350
Indian Railway Finance Corporation Limited
Debentures | -
3%₹30 Cr300
7.86% Karnataka Sdl 2027
Sovereign Bonds | -
2%₹25 Cr250,000,000

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 (₹5,599 Cr).
  • Established history (12+ yrs).
  • Rating: 5★ (upper mid).
  • Risk profile: Moderately Low.
  • 1Y return: 4.91% (bottom quartile).
  • 1M return: 0.12% (bottom quartile).
  • Sharpe: 0.66 (bottom quartile).
  • Information ratio: 0.00 (upper mid).
  • Yield to maturity (debt): 7.14% (lower mid).
  • Modified duration: 3.10 yrs (upper mid).
  • Average maturity: 4.34 yrs (lower 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 (13 Apr 26) ₹23.803 ↑ 0.00   (0.01 %)
Net Assets (Cr) ₹5,599 on 28 Feb 26
Category Debt - Banking & PSU Debt
AMC HDFC Asset Management Company Limited
Rating
Risk Moderately Low
Expense Ratio 0.78
Sharpe Ratio 0.66
Information Ratio 0
Alpha Ratio 0
Min Investment 5,000
Min SIP Investment 300
Exit Load NIL
Yield to Maturity 7.14%
Effective Maturity 4 Years 4 Months 2 Days
Modified Duration 3 Years 1 Month 6 Days

Growth of 10,000 investment over the years.

DateValue
31 Mar 21₹10,000
31 Mar 22₹10,451
31 Mar 23₹10,876
31 Mar 24₹11,677
31 Mar 25₹12,622
31 Mar 26₹13,276

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 ₹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 13 Apr 26

DurationReturns
1 Month 0.1%
3 Month 0.7%
6 Month 1.5%
1 Year 4.9%
3 Year 6.9%
5 Year 5.9%
10 Year
15 Year
Since launch 7.5%
Historical performance (Yearly) on absolute basis
YearReturns
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
NameSinceTenure
Anil Bamboli26 Mar 1412.02 Yr.
Dhruv Muchhal22 Jun 232.78 Yr.

Data below for HDFC Banking and PSU Debt Fund as on 28 Feb 26

Asset Allocation
Asset ClassValue
Cash7.11%
Debt92.56%
Other0.33%
Debt Sector Allocation
SectorValue
Corporate58.89%
Government36.28%
Cash Equivalent4.49%
Credit Quality
RatingValue
AAA100%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
Indian Railway Finance Corporation Limited
Debentures | -
5%₹277 Cr27,500
Indian Railway Finance Corporation Limited
Debentures | -
4%₹202 Cr20,000
Bajaj Housing Finance Limited
Debentures | -
3%₹151 Cr15,000
Rec Limited
Debentures | -
3%₹151 Cr1,500
7.18% Gs 2033
Sovereign Bonds | -
3%₹144 Cr14,000,000
↓ -2,500,000
Housing And Urban Development Corporation Limited
Debentures | -
2%₹129 Cr1,250
HDFC Bank Limited
Debentures | -
2%₹128 Cr12,500
National Bank For Agriculture And Rural Development
Debentures | -
2%₹126 Cr12,500
Power Finance Corporation Limited
Debentures | -
2%₹125 Cr12,500
Punjab National Bank
Debentures | -
2%₹124 Cr12,500

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 (₹9,293 Cr).
  • Established history (16+ yrs).
  • Rating: 4★ (lower mid).
  • Risk profile: Moderate.
  • 1Y return: 5.41% (upper mid).
  • 1M return: 0.29% (lower mid).
  • Sharpe: 0.96 (upper mid).
  • Information ratio: 0.00 (lower mid).
  • Yield to maturity (debt): 7.21% (top quartile).
  • Modified duration: 3.31 yrs (bottom quartile).
  • Average maturity: 5.94 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 (13 Apr 26) ₹34.0262 ↓ 0.00   (-0.01 %)
Net Assets (Cr) ₹9,293 on 15 Mar 26
Category Debt - Banking & PSU Debt
AMC ICICI Prudential Asset Management Company Limited
Rating
Risk Moderate
Expense Ratio 0.74
Sharpe Ratio 0.96
Information Ratio 0
Alpha Ratio 0
Min Investment 5,000
Min SIP Investment 100
Exit Load NIL
Yield to Maturity 7.21%
Effective Maturity 5 Years 11 Months 8 Days
Modified Duration 3 Years 3 Months 22 Days

Growth of 10,000 investment over the years.

DateValue
31 Mar 21₹10,000
31 Mar 22₹10,462
31 Mar 23₹11,027
31 Mar 24₹11,871
31 Mar 25₹12,828
31 Mar 26₹13,542

ICICI Prudential 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 ₹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 13 Apr 26

DurationReturns
1 Month 0.3%
3 Month 0.9%
6 Month 1.9%
1 Year 5.4%
3 Year 7.2%
5 Year 6.3%
10 Year
15 Year
Since launch 7.8%
Historical performance (Yearly) on absolute basis
YearReturns
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
NameSinceTenure
Manish Banthia13 Sep 241.55 Yr.
Rohit Lakhotia12 Jun 232.81 Yr.

Data below for ICICI Prudential Banking and PSU Debt Fund as on 15 Mar 26

Asset Allocation
Asset ClassValue
Cash16.71%
Debt82.96%
Other0.33%
Debt Sector Allocation
SectorValue
Corporate59.9%
Government30.34%
Cash Equivalent9.43%
Credit Quality
RatingValue
AA0.9%
AAA99.1%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
National Bank For Agriculture And Rural Development
Debentures | -
4%₹400 Cr40,000
LIC Housing Finance Ltd
Debentures | -
4%₹324 Cr32,500
National Bank For Agriculture And Rural Development
Debentures | -
3%₹301 Cr30,000
7.34% Govt Stock 2064
Sovereign Bonds | -
3%₹294 Cr30,967,800
↓ -500,000
Small Industries Development Bank Of India
Debentures | -
3%₹249 Cr25,000
Rec Limited
Debentures | -
3%₹247 Cr25,000
Mahanagar Telephone Nigam Limited
Debentures | -
2%₹221 Cr22,500
Small Industries Development Bank Of India
Debentures | -
2%₹200 Cr20,000
SIDDHIVINAYAK SECURITISATION TRUST
Unlisted bonds | -
2%₹197 Cr200
HDFC Bank Limited
Debentures | -
2%₹192 Cr192

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 (₹5,409 Cr).
  • Oldest track record among peers (27 yrs).
  • Rating: 4★ (bottom quartile).
  • Risk profile: Moderately Low.
  • 1Y return: 5.39% (lower mid).
  • 1M return: 0.21% (bottom quartile).
  • Sharpe: 0.85 (lower mid).
  • Information ratio: 0.00 (bottom quartile).
  • Yield to maturity (debt): 7.17% (upper mid).
  • Modified duration: 3.19 yrs (lower mid).
  • Average maturity: 4.04 yrs (upper 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 (13 Apr 26) ₹67.9827 ↓ -0.01   (-0.01 %)
Net Assets (Cr) ₹5,409 on 28 Feb 26
Category Debt - Banking & PSU Debt
AMC Kotak Mahindra Asset Management Co Ltd
Rating
Risk Moderately Low
Expense Ratio 0.76
Sharpe Ratio 0.85
Information Ratio 0
Alpha Ratio 0
Min Investment 5,000
Min SIP Investment 1,000
Exit Load NIL
Yield to Maturity 7.17%
Effective Maturity 4 Years 14 Days
Modified Duration 3 Years 2 Months 8 Days

Growth of 10,000 investment over the years.

DateValue
31 Mar 21₹10,000
31 Mar 22₹10,493
31 Mar 23₹10,947
31 Mar 24₹11,758
31 Mar 25₹12,714
31 Mar 26₹13,453

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 ₹200,132.
Net Profit of ₹20,132
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 13 Apr 26

DurationReturns
1 Month 0.2%
3 Month 0.9%
6 Month 2%
1 Year 5.4%
3 Year 7.1%
5 Year 6.1%
10 Year
15 Year
Since launch
Historical performance (Yearly) on absolute basis
YearReturns
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
NameSinceTenure
Deepak Agrawal1 Aug 0817.68 Yr.
Dharmesh Thakkar1 Jun 250.83 Yr.

Data below for Kotak Banking and PSU Debt fund as on 28 Feb 26

Asset Allocation
Asset ClassValue
Cash10.21%
Debt89.45%
Other0.35%
Debt Sector Allocation
SectorValue
Corporate64.59%
Government32.15%
Cash Equivalent2.91%
Credit Quality
RatingValue
AA2.79%
AAA97.21%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
Power Finance Corporation Limited
Debentures | -
6%₹330 Cr33,000
Indian Oil Corporation Limited
Debentures | -
4%₹190 Cr19,000
6.98% Gujarat Sgs 2032
Sovereign Bonds | -
3%₹168 Cr17,217,580
Power Grid Corporation Of India Limited
Debentures | -
3%₹160 Cr20,004
HDFC Bank Limited
Debentures | -
3%₹154 Cr1,500
Rec Limited
Debentures | -
3%₹151 Cr15,000
State Bank Of India
Debentures | -
3%₹143 Cr1,450
Small Industries Development Bank Of India
Debentures | -
3%₹136 Cr13,500
Rural Electrification Corporation Limited
Debentures | -
3%₹131 Cr13,000
LIC Housing Finance Ltd
Debentures | -
2%₹125 Cr1,250

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 (₹8,991 Cr).
  • Established history (17+ yrs).
  • Rating: 4★ (bottom quartile).
  • Risk profile: Moderate.
  • 1Y return: 4.93% (bottom quartile).
  • 1M return: 0.31% (upper mid).
  • Sharpe: 0.56 (bottom quartile).
  • Information ratio: 0.00 (bottom quartile).
  • Yield to maturity (debt): 7.13% (bottom quartile).
  • Modified duration: 3.26 yrs (bottom quartile).
  • Average maturity: 4.52 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 (13 Apr 26) ₹379.644 ↑ 0.05   (0.01 %)
Net Assets (Cr) ₹8,991 on 28 Feb 26
Category Debt - Banking & PSU Debt
AMC Birla Sun Life Asset Management Co Ltd
Rating
Risk Moderate
Expense Ratio 0.73
Sharpe Ratio 0.56
Information Ratio 0
Alpha Ratio 0
Min Investment 1,000
Min SIP Investment 1,000
Exit Load NIL
Yield to Maturity 7.13%
Effective Maturity 4 Years 6 Months 7 Days
Modified Duration 3 Years 3 Months 4 Days

Growth of 10,000 investment over the years.

DateValue
31 Mar 21₹10,000
31 Mar 22₹10,469
31 Mar 23₹10,921
31 Mar 24₹11,713
31 Mar 25₹12,671
31 Mar 26₹13,328

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 ₹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 13 Apr 26

DurationReturns
1 Month 0.3%
3 Month 0.9%
6 Month 1.6%
1 Year 4.9%
3 Year 6.9%
5 Year 6%
10 Year
15 Year
Since launch 7.7%
Historical performance (Yearly) on absolute basis
YearReturns
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
NameSinceTenure
Kaustubh Gupta29 Sep 0916.51 Yr.
Harshil Suvarnkar22 Mar 215.03 Yr.

Data below for Aditya Birla Sun Life Banking & PSU Debt Fund as on 28 Feb 26

Asset Allocation
Asset ClassValue
Cash24.84%
Debt74.85%
Other0.32%
Debt Sector Allocation
SectorValue
Corporate59.47%
Government34.34%
Cash Equivalent5.87%
Credit Quality
RatingValue
AAA100%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
National Bank For Agriculture And Rural Development
Debentures | -
3%₹299 Cr30,000
Indian Railway Finance Corporation Limited
Debentures | -
2%₹194 Cr20,000
National Housing Bank
Debentures | -
2%₹193 Cr20,000
Rec Limited
Debentures | -
2%₹190 Cr19,000
HDFC Bank Limited
Debentures | -
2%₹182 Cr1,800
Bajaj Finance Limited
Debentures | -
2%₹165 Cr16,500
HDFC Bank Ltd.
Debentures | -
2%₹164 Cr3,500
↑ 3,500
State Bank Of India
Debentures | -
2%₹159 Cr160
Power Finance Corporation Limited
Debentures | -
2%₹150 Cr15,000
National Bank For Financing Infrastructure And Development
Debentures | -
2%₹147 Cr15,000

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