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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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 ₹22.9254
↑ 0.01 ₹1,099 1.4 2.4 6.3 7.1 7.8 6.87% 1Y 18D 1Y 1M 20D HDFC Banking and PSU Debt Fund Growth ₹23.803
↑ 0.00 ₹5,599 0.7 1.5 4.9 6.9 7.5 7.14% 3Y 1M 6D 4Y 4M 2D ICICI Prudential Banking and PSU Debt Fund Growth ₹34.0262
↓ 0.00 ₹9,293 0.9 1.9 5.4 7.2 7.6 7.21% 3Y 3M 22D 5Y 11M 8D Kotak Banking and PSU Debt fund Growth ₹67.9827
↓ -0.01 ₹5,409 0.9 2 5.4 7.1 7.7 7.17% 3Y 2M 8D 4Y 14D Aditya Birla Sun Life Banking & PSU Debt Fund Growth ₹379.644
↑ 0.05 ₹8,991 0.9 1.6 4.9 6.9 7.3 7.13% 3Y 3M 4D 4Y 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
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 (₹1,099 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 2 Established history (12+ yrs). Established history (12+ 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: 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 6 1M 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 7 Sharpe: 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 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): 6.87% (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 10 Modified 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
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
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). Below is the key information for UTI Banking & PSU Debt Fund Returns up to 1 year are on 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 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 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 Below is the key information for ICICI Prudential 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. Research Highlights for Kotak Banking and PSU Debt fund 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. Research Highlights for Aditya Birla Sun Life Banking & PSU Debt Fund Below is the key information for Aditya Birla Sun Life Banking & PSU Debt Fund Returns up to 1 year are on 1. 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.
Date Value 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 Returns for UTI Banking & PSU Debt Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 13 Apr 26 Duration Returns 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
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 4.33 Yr. Data below for UTI Banking & PSU Debt Fund as on 28 Feb 26
Asset Allocation
Asset Class Value Cash 30.96% Debt 68.78% Other 0.26% Debt Sector Allocation
Sector Value Corporate 56.67% Government 28.62% Cash Equivalent 14.45% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity National Housing Bank
Debentures | -5% ₹60 Cr 6,000 Axis Bank Limited
Debentures | -5% ₹55 Cr 550 7.38% Gs 2027
Sovereign Bonds | -5% ₹51 Cr 500,000,000 Small Industries Development Bank Of India
Debentures | -4% ₹50 Cr 5,000 Export Import Bank Of India
Debentures | -4% ₹50 Cr 5,000 Power Finance Corporation Limited
Debentures | -4% ₹40 Cr 400 National Bank For Agriculture And Rural Development
Debentures | -4% ₹40 Cr 4,000 HDFC Bank Limited
Debentures | -3% ₹35 Cr 350 Indian Railway Finance Corporation Limited
Debentures | -3% ₹30 Cr 300 7.86% Karnataka Sdl 2027
Sovereign Bonds | -2% ₹25 Cr 250,000,000 2. 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.
Date Value 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 Returns for HDFC Banking and PSU Debt Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 13 Apr 26 Duration Returns 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
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 12.02 Yr. Dhruv Muchhal 22 Jun 23 2.78 Yr. Data below for HDFC Banking and PSU Debt Fund as on 28 Feb 26
Asset Allocation
Asset Class Value Cash 7.11% Debt 92.56% Other 0.33% Debt Sector Allocation
Sector Value Corporate 58.89% Government 36.28% Cash Equivalent 4.49% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity Indian Railway Finance Corporation Limited
Debentures | -5% ₹277 Cr 27,500 Indian Railway Finance Corporation Limited
Debentures | -4% ₹202 Cr 20,000 Bajaj Housing Finance Limited
Debentures | -3% ₹151 Cr 15,000 Rec Limited
Debentures | -3% ₹151 Cr 1,500 7.18% Gs 2033
Sovereign Bonds | -3% ₹144 Cr 14,000,000
↓ -2,500,000 Housing And Urban Development Corporation Limited
Debentures | -2% ₹129 Cr 1,250 HDFC Bank Limited
Debentures | -2% ₹128 Cr 12,500 National Bank For Agriculture And Rural Development
Debentures | -2% ₹126 Cr 12,500 Power Finance Corporation Limited
Debentures | -2% ₹125 Cr 12,500 Punjab National Bank
Debentures | -2% ₹124 Cr 12,500 3. 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.
Date Value 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 Returns for ICICI Prudential Banking and PSU Debt Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 13 Apr 26 Duration Returns 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
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 1.55 Yr. Rohit Lakhotia 12 Jun 23 2.81 Yr. Data below for ICICI Prudential Banking and PSU Debt Fund as on 15 Mar 26
Asset Allocation
Asset Class Value Cash 16.71% Debt 82.96% Other 0.33% Debt Sector Allocation
Sector Value Corporate 59.9% Government 30.34% Cash Equivalent 9.43% Credit Quality
Rating Value AA 0.9% AAA 99.1% Top Securities Holdings / Portfolio
Name Holding Value Quantity National Bank For Agriculture And Rural Development
Debentures | -4% ₹400 Cr 40,000 LIC Housing Finance Ltd
Debentures | -4% ₹324 Cr 32,500 National Bank For Agriculture And Rural Development
Debentures | -3% ₹301 Cr 30,000 7.34% Govt Stock 2064
Sovereign Bonds | -3% ₹294 Cr 30,967,800
↓ -500,000 Small Industries Development Bank Of India
Debentures | -3% ₹249 Cr 25,000 Rec Limited
Debentures | -3% ₹247 Cr 25,000 Mahanagar Telephone Nigam Limited
Debentures | -2% ₹221 Cr 22,500 Small Industries Development Bank Of India
Debentures | -2% ₹200 Cr 20,000 SIDDHIVINAYAK SECURITISATION TRUST
Unlisted bonds | -2% ₹197 Cr 200 HDFC Bank Limited
Debentures | -2% ₹192 Cr 192 4. 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.
Date Value 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 Returns for Kotak Banking and PSU Debt fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 13 Apr 26 Duration Returns 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
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 17.68 Yr. Dharmesh Thakkar 1 Jun 25 0.83 Yr. Data below for Kotak Banking and PSU Debt fund as on 28 Feb 26
Asset Allocation
Asset Class Value Cash 10.21% Debt 89.45% Other 0.35% Debt Sector Allocation
Sector Value Corporate 64.59% Government 32.15% Cash Equivalent 2.91% Credit Quality
Rating Value AA 2.79% AAA 97.21% Top Securities Holdings / Portfolio
Name Holding Value Quantity Power Finance Corporation Limited
Debentures | -6% ₹330 Cr 33,000 Indian Oil Corporation Limited
Debentures | -4% ₹190 Cr 19,000 6.98% Gujarat Sgs 2032
Sovereign Bonds | -3% ₹168 Cr 17,217,580 Power Grid Corporation Of India Limited
Debentures | -3% ₹160 Cr 20,004 HDFC Bank Limited
Debentures | -3% ₹154 Cr 1,500 Rec Limited
Debentures | -3% ₹151 Cr 15,000 State Bank Of India
Debentures | -3% ₹143 Cr 1,450 Small Industries Development Bank Of India
Debentures | -3% ₹136 Cr 13,500 Rural Electrification Corporation Limited
Debentures | -3% ₹131 Cr 13,000 LIC Housing Finance Ltd
Debentures | -2% ₹125 Cr 1,250 5. 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.
Date Value 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 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 13 Apr 26 Duration Returns 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
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 16.51 Yr. Harshil Suvarnkar 22 Mar 21 5.03 Yr. Data below for Aditya Birla Sun Life Banking & PSU Debt Fund as on 28 Feb 26
Asset Allocation
Asset Class Value Cash 24.84% Debt 74.85% Other 0.32% Debt Sector Allocation
Sector Value Corporate 59.47% Government 34.34% Cash Equivalent 5.87% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity National Bank For Agriculture And Rural Development
Debentures | -3% ₹299 Cr 30,000 Indian Railway Finance Corporation Limited
Debentures | -2% ₹194 Cr 20,000 National Housing Bank
Debentures | -2% ₹193 Cr 20,000 Rec Limited
Debentures | -2% ₹190 Cr 19,000 HDFC Bank Limited
Debentures | -2% ₹182 Cr 1,800 Bajaj Finance Limited
Debentures | -2% ₹165 Cr 16,500 HDFC Bank Ltd.
Debentures | -2% ₹164 Cr 3,500
↑ 3,500 State Bank Of India
Debentures | -2% ₹159 Cr 160 Power Finance Corporation Limited
Debentures | -2% ₹150 Cr 15,000 National Bank For Financing Infrastructure And Development
Debentures | -2% ₹147 Cr 15,000
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Research Highlights for UTI Banking & PSU Debt Fund