শীর্ষ 5 সেরা ব্যাঙ্কিং এবং PSU ঋণ তহবিল 2022৷

Updated on August 30, 2026 , 21761 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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শীর্ষ পারফর্মিং ব্যাঙ্কিং এবং PSU ঋণ তহবিল

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	₹23.5118 ↑ 0.02	₹1,483	2.1	3.1	6	7.1	7.8	6.9%	8M 5D	8M 16D
HDFC Banking and PSU Debt Fund Growth	₹24.3528 ↑ 0.01	₹5,209	2.1	2.3	5	6.7	7.5	7.18%	2Y 11M 26D	4Y 18D
ICICI Prudential Banking and PSU Debt Fund Growth	₹34.8429 ↑ 0.02	₹8,850	2.2	2.5	5.5	6.9	7.6	7.3%	3Y 4M 20D	6Y 1M 20D
Kotak Banking and PSU Debt fund Growth	₹69.4994 ↑ 0.05	₹4,991	2.1	2.3	5.5	7	7.7	7.22%	3Y 4M 17D	4Y 8M 8D
Aditya Birla Sun Life Banking & PSU Debt Fund Growth	₹387.638 ↑ 0.23	₹8,833	2	2.3	4.9	6.7	7.3	7.22%	3Y 18D	4Y 4M 28D
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 2 Sep 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 (₹1,483 Cr).	Lower mid AUM (₹5,209 Cr).	Highest AUM (₹8,850 Cr).	Bottom quartile AUM (₹4,991 Cr).	Upper mid AUM (₹8,833 Cr).
Point 2	Established history (12+ yrs).	Established history (12+ yrs).	Established history (16+ yrs).	Oldest track record among peers (27 yrs).	Established history (18+ 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: 5.95% (top quartile).	1Y return: 5.00% (bottom quartile).	1Y return: 5.49% (upper mid).	1Y return: 5.46% (lower mid).	1Y return: 4.91% (bottom quartile).
Point 6	1M return: 0.58% (top quartile).	1M return: -0.09% (bottom quartile).	1M return: 0.13% (upper mid).	1M return: -0.08% (bottom quartile).	1M return: 0.02% (lower mid).
Point 7	Sharpe: -0.04 (top quartile).	Sharpe: -0.26 (bottom quartile).	Sharpe: -0.11 (lower mid).	Sharpe: -0.10 (upper mid).	Sharpe: -0.41 (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): 6.90% (bottom quartile).	Yield to maturity (debt): 7.18% (bottom quartile).	Yield to maturity (debt): 7.30% (top quartile).	Yield to maturity (debt): 7.22% (upper mid).	Yield to maturity (debt): 7.22% (lower mid).
Point 10	Modified duration: 0.68 yrs (top quartile).	Modified duration: 2.99 yrs (upper mid).	Modified duration: 3.39 yrs (bottom quartile).	Modified duration: 3.38 yrs (bottom quartile).	Modified duration: 3.05 yrs (lower mid).

UTI Banking & PSU Debt Fund

Bottom quartile AUM (₹1,483 Cr).
Established history (12+ yrs).
Top rated.
Risk profile: Moderate.
1Y return: 5.95% (top quartile).
1M return: 0.58% (top quartile).
Sharpe: -0.04 (top quartile).
Information ratio: 0.00 (top quartile).
Yield to maturity (debt): 6.90% (bottom quartile).
Modified duration: 0.68 yrs (top quartile).

HDFC Banking and PSU Debt Fund

Lower mid AUM (₹5,209 Cr).
Established history (12+ yrs).
Rating: 5★ (upper mid).
Risk profile: Moderately Low.
1Y return: 5.00% (bottom quartile).
1M return: -0.09% (bottom quartile).
Sharpe: -0.26 (bottom quartile).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 7.18% (bottom quartile).
Modified duration: 2.99 yrs (upper mid).

ICICI Prudential Banking and PSU Debt Fund

Highest AUM (₹8,850 Cr).
Established history (16+ yrs).
Rating: 4★ (lower mid).
Risk profile: Moderate.
1Y return: 5.49% (upper mid).
1M return: 0.13% (upper mid).
Sharpe: -0.11 (lower mid).
Information ratio: 0.00 (lower mid).
Yield to maturity (debt): 7.30% (top quartile).
Modified duration: 3.39 yrs (bottom quartile).

Kotak Banking and PSU Debt fund

Bottom quartile AUM (₹4,991 Cr).
Oldest track record among peers (27 yrs).
Rating: 4★ (bottom quartile).
Risk profile: Moderately Low.
1Y return: 5.46% (lower mid).
1M return: -0.08% (bottom quartile).
Sharpe: -0.10 (upper mid).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 7.22% (upper mid).
Modified duration: 3.38 yrs (bottom quartile).

Aditya Birla Sun Life Banking & PSU Debt Fund

Upper mid AUM (₹8,833 Cr).
Established history (18+ yrs).
Rating: 4★ (bottom quartile).
Risk profile: Moderate.
1Y return: 4.91% (bottom quartile).
1M return: 0.02% (lower mid).
Sharpe: -0.41 (bottom quartile).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 7.22% (lower mid).
Modified duration: 3.05 yrs (lower mid).

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 (₹1,483 Cr).
Established history (12+ yrs).
Top rated.
Risk profile: Moderate.
1Y return: 5.95% (top quartile).
1M return: 0.58% (top quartile).
Sharpe: -0.04 (top quartile).
Information ratio: 0.00 (top quartile).
Yield to maturity (debt): 6.90% (bottom quartile).
Modified duration: 0.68 yrs (top quartile).
Average maturity: 0.71 yrs (top quartile).
Exit load: NIL.
Top bond sector: Corporate.
Conservative stance with elevated cash (~50%).
High-quality debt (AAA/AA ~100%).
Largest holding ICICI Bank Ltd. (~4.9%).

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

UTI Banking & PSU Debt Fund Growth
Launch Date	3 Feb 14
NAV (02 Sep 26)	₹23.5118 ↑ 0.02 (0.08 %)
Net Assets (Cr)	₹1,483 on 31 Jul 26
Category	Debt - Banking & PSU Debt
AMC	UTI Asset Management Company Ltd
Rating	☆☆☆☆☆
Risk	Moderate
Expense Ratio	0.54
Sharpe Ratio	-0.04
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	500
Exit Load	NIL
Yield to Maturity	6.9%
Effective Maturity	8 Months 16 Days
Modified Duration	8 Months 5 Days

Growth of 10,000 investment over the years.

Date	Value
31 Aug 21	₹10,000
31 Aug 22	₹10,992
31 Aug 23	₹11,622
31 Aug 24	₹12,473
31 Aug 25	₹13,494
31 Aug 26	₹14,293

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 2 Sep 26

Duration	Returns
1 Month	0.6%
3 Month	2.1%
6 Month	3.1%
1 Year	6%
3 Year	7.1%
5 Year	7.4%
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	4.75 Yr.

Data below for UTI Banking & PSU Debt Fund as on 31 Jul 26

Asset Allocation

Asset Class	Value
Cash	49.94%
Debt	49.81%
Other	0.26%

Debt Sector Allocation

Sector	Value
Corporate	65.11%
Government	20.61%
Cash Equivalent	14.03%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
ICICI Bank Ltd. Debentures \| -	5%	₹72 Cr	750,000,000
National Bank For Agriculture And Rural Development Debentures \| -	4%	₹55 Cr	5,500
Axis Bank Limited Debentures \| -	4%	₹55 Cr	550
7.38% Govt Stock 2027 Sovereign Bonds \| -	3%	₹51 Cr	500,000,000
7.61% Tamilnadu SDL 2027 Sovereign Bonds \| -	3%	₹50 Cr	500,000,000
Aditya Birla Housing Finance Limited Debentures \| -	3%	₹40 Cr	4,000
National Housing Bank Debentures \| -	2%	₹35 Cr	3,500
HDFC Bank Limited Debentures \| -	2%	₹35 Cr	350
Indian Railway Finance Corporation Limited Debentures \| -	2%	₹30 Cr	300
7.86% Karnataka Sdl 2027 Sovereign Bonds \| -	2%	₹25 Cr	250,000,000

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 (₹5,209 Cr).
Established history (12+ yrs).
Rating: 5★ (upper mid).
Risk profile: Moderately Low.
1Y return: 5.00% (bottom quartile).
1M return: -0.09% (bottom quartile).
Sharpe: -0.26 (bottom quartile).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 7.18% (bottom quartile).
Modified duration: 2.99 yrs (upper mid).
Average maturity: 4.05 yrs (upper mid).
Exit load: NIL.
Top bond sector: Corporate.
Debt-heavy allocation (~94%).
High-quality debt (AAA/AA ~100%).
Largest holding Indian Railway Finance Corporation Limited (~5.3%).

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 (02 Sep 26)	₹24.3528 ↑ 0.01 (0.05 %)
Net Assets (Cr)	₹5,209 on 31 Jul 26
Category	Debt - Banking & PSU Debt
AMC	HDFC Asset Management Company Limited
Rating	☆☆☆☆☆
Risk	Moderately Low
Expense Ratio	0.78
Sharpe Ratio	-0.27
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	300
Exit Load	NIL
Yield to Maturity	7.18%
Effective Maturity	4 Years 18 Days
Modified Duration	2 Years 11 Months 26 Days

Growth of 10,000 investment over the years.

Date	Value
31 Aug 21	₹10,000
31 Aug 22	₹10,276
31 Aug 23	₹10,935
31 Aug 24	₹11,754
31 Aug 25	₹12,668
31 Aug 26	₹13,304

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 2 Sep 26

Duration	Returns
1 Month	-0.1%
3 Month	2.1%
6 Month	2.3%
1 Year	5%
3 Year	6.7%
5 Year	5.9%
10 Year
15 Year
Since launch	7.4%

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	12.44 Yr.
Dhruv Muchhal	22 Jun 23	3.19 Yr.

Data below for HDFC Banking and PSU Debt Fund as on 31 Jul 26

Asset Allocation

Asset Class	Value
Cash	6.11%
Debt	93.53%
Other	0.35%

Debt Sector Allocation

Sector	Value
Corporate	60.51%
Government	35.34%
Cash Equivalent	3.79%

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 \| -	3%	₹152 Cr	15,000
Bajaj Housing Finance Limited Debentures \| -	3%	₹151 Cr	15,000
Rec Limited Debentures \| -	3%	₹151 Cr	1,500
Housing And Urban Development Corporation Limited Debentures \| -	2%	₹129 Cr	1,250
Power Finance Corporation Limited Debentures \| -	2%	₹127 Cr	12,500
HDFC Bank Limited Debentures \| -	2%	₹127 Cr	12,500
National Bank For Agriculture And Rural Development Debentures \| -	2%	₹125 Cr	12,500
Punjab National Bank Debentures \| -	2%	₹124 Cr	12,500
Small Industries Development Bank Of India Debentures \| -	2%	₹101 Cr	10,000

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 (₹8,850 Cr).
Established history (16+ yrs).
Rating: 4★ (lower mid).
Risk profile: Moderate.
1Y return: 5.49% (upper mid).
1M return: 0.13% (upper mid).
Sharpe: -0.11 (lower mid).
Information ratio: 0.00 (lower mid).
Yield to maturity (debt): 7.30% (top quartile).
Modified duration: 3.39 yrs (bottom quartile).
Average maturity: 6.14 yrs (bottom quartile).
Exit load: NIL.
Top bond sector: Corporate.
Debt-heavy allocation (~91%).
High-quality debt (AAA/AA ~100%).
Largest holding National Bank For Agriculture And Rural Development (~4.2%).

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 (02 Sep 26)	₹34.8429 ↑ 0.02 (0.04 %)
Net Assets (Cr)	₹8,850 on 31 Jul 26
Category	Debt - Banking & PSU Debt
AMC	ICICI Prudential Asset Management Company Limited
Rating	☆☆☆☆
Risk	Moderate
Expense Ratio	0.74
Sharpe Ratio	-0.11
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	100
Exit Load	NIL
Yield to Maturity	7.3%
Effective Maturity	6 Years 1 Month 20 Days
Modified Duration	3 Years 4 Months 20 Days

Growth of 10,000 investment over the years.

Date	Value
31 Aug 21	₹10,000
31 Aug 22	₹10,363
31 Aug 23	₹11,103
31 Aug 24	₹11,937
31 Aug 25	₹12,868
31 Aug 26	₹13,582

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 2 Sep 26

Duration	Returns
1 Month	0.1%
3 Month	2.2%
6 Month	2.5%
1 Year	5.5%
3 Year	6.9%
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	1.97 Yr.
Rohit Lakhotia	12 Jun 23	3.22 Yr.

Data below for ICICI Prudential Banking and PSU Debt Fund as on 31 Jul 26

Asset Allocation

Asset Class	Value
Cash	8.69%
Debt	90.96%
Other	0.35%

Debt Sector Allocation

Sector	Value
Corporate	64.22%
Government	30.03%
Cash Equivalent	5.4%

Credit Quality

Rating	Value
AA	0.94%
AAA	99.06%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
National Bank For Agriculture And Rural Development Debentures \| -	4%	₹376 Cr	37,500
LIC Housing Finance Ltd Debentures \| -	4%	₹325 Cr	32,500
6.9% Govt Stock 2065 Sovereign Bonds \| -	3%	₹297 Cr	31,879,000
National Bank For Agriculture And Rural Development Debentures \| -	3%	₹251 Cr	25,000 ↓ -5,000
Rec Limited Debentures \| -	3%	₹249 Cr	25,000
Power Finance Corporation Limited Debentures \| -	3%	₹224 Cr	22,500
Mahanagar Telephone Nigam Limited Debentures \| -	3%	₹223 Cr	22,500
Small Industries Development Bank Of India Debentures \| -	2%	₹201 Cr	20,000
Power Finance Corporation Limited Debentures \| -	2%	₹199 Cr	20,000
SIDDHIVINAYAK SECURITISATION TRUST Unlisted bonds \| -	2%	₹199 Cr	200

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 (₹4,991 Cr).
Oldest track record among peers (27 yrs).
Rating: 4★ (bottom quartile).
Risk profile: Moderately Low.
1Y return: 5.46% (lower mid).
1M return: -0.08% (bottom quartile).
Sharpe: -0.10 (upper mid).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 7.22% (upper mid).
Modified duration: 3.38 yrs (bottom quartile).
Average maturity: 4.69 yrs (bottom quartile).
Exit load: NIL.
Top bond sector: Corporate.
Debt-heavy allocation (~93%).
High-quality debt (AAA/AA ~100%).
Largest holding Power Finance Corporation Limited (~6.7%).

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 (02 Sep 26)	₹69.4994 ↑ 0.05 (0.07 %)
Net Assets (Cr)	₹4,991 on 31 Jul 26
Category	Debt - Banking & PSU Debt
AMC	Kotak Mahindra Asset Management Co Ltd
Rating	☆☆☆☆
Risk	Moderately Low
Expense Ratio	0.76
Sharpe Ratio	-0.1
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	1,000
Exit Load	NIL
Yield to Maturity	7.22%
Effective Maturity	4 Years 8 Months 8 Days
Modified Duration	3 Years 4 Months 17 Days

Growth of 10,000 investment over the years.

Date	Value
31 Aug 21	₹10,000
31 Aug 22	₹10,308
31 Aug 23	₹10,978
31 Aug 24	₹11,822
31 Aug 25	₹12,745
31 Aug 26	₹13,441

Kotak 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 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 2 Sep 26

Duration	Returns
1 Month	-0.1%
3 Month	2.1%
6 Month	2.3%
1 Year	5.5%
3 Year	7%
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	18.09 Yr.
Dharmesh Thakkar	1 Jun 25	1.25 Yr.

Data below for Kotak Banking and PSU Debt fund as on 31 Jul 26

Asset Allocation

Asset Class	Value
Cash	6.2%
Debt	93.43%
Other	0.37%

Debt Sector Allocation

Sector	Value
Corporate	56.77%
Government	38.11%
Cash Equivalent	4.76%

Credit Quality

Rating	Value
AA	3.02%
AAA	96.98%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Power Finance Corporation Limited Debentures \| -	7%	₹332 Cr	33,000
National Bank For Financing Infrastructure And Development Debentures \| -	4%	₹200 Cr	20,000 ↑ 20,000
Indian Oil Corporation Limited Debentures \| -	4%	₹192 Cr	19,000
6.98% Gujarat Sgs 2032 Sovereign Bonds \| -	3%	₹166 Cr	16,739,400
Power Grid Corporation Of India Limited Debentures \| -	3%	₹162 Cr	20,004
HDFC Bank Limited Debentures \| -	3%	₹154 Cr	1,500
Rec Limited Debentures \| -	3%	₹153 Cr	15,000
State Bank Of India Debentures \| -	3%	₹144 Cr	1,450
Rural Electrification Corporation Limited Debentures \| -	3%	₹131 Cr	13,000
Small Industries Development Bank Of India Debentures \| -	3%	₹126 Cr	12,500

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 (₹8,833 Cr).
Established history (18+ yrs).
Rating: 4★ (bottom quartile).
Risk profile: Moderate.
1Y return: 4.91% (bottom quartile).
1M return: 0.02% (lower mid).
Sharpe: -0.41 (bottom quartile).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 7.22% (lower mid).
Modified duration: 3.05 yrs (lower mid).
Average maturity: 4.41 yrs (lower mid).
Exit load: NIL.
Top sector: Financial Services.
Top bond sector: Corporate.
Debt-heavy allocation (~83%).
High-quality debt (AAA/AA ~100%).
Largest holding National Bank For Agriculture And Rural Development (~4.6%).

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 (02 Sep 26)	₹387.638 ↑ 0.23 (0.06 %)
Net Assets (Cr)	₹8,833 on 31 Jul 26
Category	Debt - Banking & PSU Debt
AMC	Birla Sun Life Asset Management Co Ltd
Rating	☆☆☆☆
Risk	Moderate
Expense Ratio	0.73
Sharpe Ratio	-0.41
Information Ratio	0
Alpha Ratio	0
Min Investment	1,000
Min SIP Investment	1,000
Exit Load	NIL
Yield to Maturity	7.22%
Effective Maturity	4 Years 4 Months 28 Days
Modified Duration	3 Years 18 Days

Growth of 10,000 investment over the years.

Date	Value
31 Aug 21	₹10,000
31 Aug 22	₹10,296
31 Aug 23	₹10,952
31 Aug 24	₹11,772
31 Aug 25	₹12,688
31 Aug 26	₹13,312

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 2 Sep 26

Duration	Returns
1 Month	0%
3 Month	2%
6 Month	2.3%
1 Year	4.9%
3 Year	6.7%
5 Year	5.9%
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	16.93 Yr.
Harshil Suvarnkar	22 Mar 21	5.45 Yr.

Data below for Aditya Birla Sun Life Banking & PSU Debt Fund as on 31 Jul 26

Asset Allocation

Asset Class	Value
Cash	16.77%
Debt	83.23%

Debt Sector Allocation

Sector	Value
Corporate	58.82%
Government	37.36%
Cash Equivalent	3.83%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
National Bank For Agriculture And Rural Development Debentures \| -	5%	₹406 Cr	40,500
Rec Limited Debentures \| -	3%	₹224 Cr	22,500
6.94% Govt Stock 2036 Sovereign Bonds \| -	2%	₹199 Cr	19,663,000 ↑ 5,000,000
Indian Railway Finance Corporation Limited Debentures \| -	2%	₹196 Cr	20,000
Rec Limited Debentures \| -	2%	₹191 Cr	19,000
HDFC Bank Limited Debentures \| -	2%	₹183 Cr	1,800
Indian Railway Finance Corporation Limited Debentures \| -	2%	₹161 Cr	16,250
State Bank Of India Debentures \| -	2%	₹160 Cr	160
Power Finance Corporation Limited Debentures \| -	2%	₹151 Cr	15,000
SHIVSHAKTI SECURITISATION TRUST Unlisted bonds \| -	2%	₹142 Cr	145

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