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ટોચના 5 શ્રેષ્ઠ બેંકિંગ અને PSU ડેટ ફંડ્સ 2022

Updated on February 17, 2026 , 21146 views

બેંકિંગ અને પીએસયુ ડેટ ફંડ્સ એ સિક્યોરિટીઝ એન્ડ એક્સચેન્જ બોર્ડ ઓફ ઈન્ડિયા (સેબી) દેવા માંમ્યુચ્યુઅલ ફંડ શ્રેણી આ ફંડ્સ મુખ્યત્વે ડેટમાં રોકાણ કરે છે અનેમની માર્કેટ બેંકો, જાહેર નાણાકીય સંસ્થાઓ, જાહેર ક્ષેત્રના ઉપક્રમો વગેરે જેવી સંસ્થાઓ દ્વારા જારી કરાયેલી સિક્યોરિટીઝ ધરાવતાં સાધનો. આ વિકલ્પને મહત્તમ સંતુલન જાળવવા માટે ગણવામાં આવે છે.પ્રવાહિતા, સલામતી, અને ઉપજ.

બેંકિંગ અને PSUડેટ ફંડ ડેટ ફંડ્સની ટૂંકા ગાળાની કેટેગરીની છે જેનો હેતુ સુરક્ષિત વળતર આપવા અને જોખમ ઘટાડવાનો છેરોકાણ બેંકો અને જાહેર ક્ષેત્રના ઉપક્રમો દ્વારા મુખ્યત્વે જારી કરાયેલ સારા-ગુણવત્તાવાળા ઋણ સાધનોમાં. ટૂંકા ગાળા માટે, આદર્શ રીતે 2-3 વર્ષ માટે રોકાણ કરવા આતુર રોકાણકારો આ યોજનામાં રોકાણ કરી શકે છે.

2022 - 2023 માં શ્રેષ્ઠ પ્રદર્શન કરતા બેંકિંગ અને PSU ડેટ ફંડ્સ અહીં છે.

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Banking-PSU-Funds

ટોપ પરફોર્મિંગ બેંકિંગ અને PSU ડેટ ફંડ્સ

FundNAVNet Assets (Cr)3 MO (%)6 MO (%)1 YR (%)3 YR (%)2024 (%)Debt Yield (YTM)Mod. DurationEff. Maturity
UTI Banking & PSU Debt Fund Growth ₹22.7506
↓ 0.00
₹1,0781.12.77.57.47.87.04%1Y 1M 10D1Y 2M 19D
HDFC Banking and PSU Debt Fund Growth ₹23.7765
↓ 0.00
₹5,6200.82.577.37.57.26%3Y 1M 17D4Y 5M 1D
Kotak Banking and PSU Debt fund Growth ₹67.8007
↑ 0.00
₹5,4950.92.97.37.57.77.22%3Y 1M 10D4Y 3M 22D
ICICI Prudential Banking and PSU Debt Fund Growth ₹33.9136
↓ -0.01
₹9,58312.87.17.57.67.32%3Y 2M 8D5Y 9M 29D
Aditya Birla Sun Life Banking & PSU Debt Fund Growth ₹378.315
↓ -0.03
₹8,9790.72.46.87.37.37.02%3Y 6M 29D4Y 10M 13D
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 18 Feb 26

Research Highlights & Commentary of 5 Funds showcased

CommentaryUTI Banking & PSU Debt FundHDFC Banking and PSU Debt FundKotak Banking and PSU Debt fundICICI Prudential Banking and PSU Debt FundAditya Birla Sun Life Banking & PSU Debt Fund
Point 1Bottom quartile AUM (₹1,078 Cr).Lower mid AUM (₹5,620 Cr).Bottom quartile AUM (₹5,495 Cr).Highest AUM (₹9,583 Cr).Upper mid AUM (₹8,979 Cr).
Point 2Established history (12+ yrs).Established history (11+ yrs).Oldest track record among peers (27 yrs).Established history (16+ 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: Moderately Low.Risk profile: Moderate.Risk profile: Moderate.
Point 51Y return: 7.47% (top quartile).1Y return: 7.00% (bottom quartile).1Y return: 7.34% (upper mid).1Y return: 7.15% (lower mid).1Y return: 6.82% (bottom quartile).
Point 61M return: 0.68% (bottom quartile).1M return: 0.79% (upper mid).1M return: 0.82% (top quartile).1M return: 0.72% (bottom quartile).1M return: 0.74% (lower mid).
Point 7Sharpe: 1.05 (top quartile).Sharpe: 0.36 (bottom quartile).Sharpe: 0.56 (lower mid).Sharpe: 0.74 (upper mid).Sharpe: 0.28 (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): 7.04% (bottom quartile).Yield to maturity (debt): 7.26% (upper mid).Yield to maturity (debt): 7.22% (lower mid).Yield to maturity (debt): 7.32% (top quartile).Yield to maturity (debt): 7.02% (bottom quartile).
Point 10Modified duration: 1.11 yrs (top quartile).Modified duration: 3.13 yrs (lower mid).Modified duration: 3.11 yrs (upper mid).Modified duration: 3.19 yrs (bottom quartile).Modified duration: 3.58 yrs (bottom quartile).

UTI Banking & PSU Debt Fund

  • Bottom quartile AUM (₹1,078 Cr).
  • Established history (12+ yrs).
  • Top rated.
  • Risk profile: Moderate.
  • 1Y return: 7.47% (top quartile).
  • 1M return: 0.68% (bottom quartile).
  • Sharpe: 1.05 (top quartile).
  • Information ratio: 0.00 (top quartile).
  • Yield to maturity (debt): 7.04% (bottom quartile).
  • Modified duration: 1.11 yrs (top quartile).

HDFC Banking and PSU Debt Fund

  • Lower mid AUM (₹5,620 Cr).
  • Established history (11+ yrs).
  • Rating: 5★ (upper mid).
  • Risk profile: Moderately Low.
  • 1Y return: 7.00% (bottom quartile).
  • 1M return: 0.79% (upper mid).
  • Sharpe: 0.36 (bottom quartile).
  • Information ratio: 0.00 (upper mid).
  • Yield to maturity (debt): 7.26% (upper mid).
  • Modified duration: 3.13 yrs (lower mid).

Kotak Banking and PSU Debt fund

  • Bottom quartile AUM (₹5,495 Cr).
  • Oldest track record among peers (27 yrs).
  • Rating: 4★ (lower mid).
  • Risk profile: Moderately Low.
  • 1Y return: 7.34% (upper mid).
  • 1M return: 0.82% (top quartile).
  • Sharpe: 0.56 (lower mid).
  • Information ratio: 0.00 (lower mid).
  • Yield to maturity (debt): 7.22% (lower mid).
  • Modified duration: 3.11 yrs (upper mid).

ICICI Prudential Banking and PSU Debt Fund

  • Highest AUM (₹9,583 Cr).
  • Established history (16+ yrs).
  • Rating: 4★ (bottom quartile).
  • Risk profile: Moderate.
  • 1Y return: 7.15% (lower mid).
  • 1M return: 0.72% (bottom quartile).
  • Sharpe: 0.74 (upper mid).
  • Information ratio: 0.00 (bottom quartile).
  • Yield to maturity (debt): 7.32% (top quartile).
  • Modified duration: 3.19 yrs (bottom quartile).

Aditya Birla Sun Life Banking & PSU Debt Fund

  • Upper mid AUM (₹8,979 Cr).
  • Established history (17+ yrs).
  • Rating: 4★ (bottom quartile).
  • Risk profile: Moderate.
  • 1Y return: 6.82% (bottom quartile).
  • 1M return: 0.74% (lower mid).
  • Sharpe: 0.28 (bottom quartile).
  • Information ratio: 0.00 (bottom quartile).
  • Yield to maturity (debt): 7.02% (bottom quartile).
  • Modified duration: 3.58 yrs (bottom quartile).

ટોચના 5 શ્રેષ્ઠ પરફોર્મિંગ બેંકિંગ અને PSU ડેટ ફંડ્સ

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 (₹1,078 Cr).
  • Established history (12+ yrs).
  • Top rated.
  • Risk profile: Moderate.
  • 1Y return: 7.47% (top quartile).
  • 1M return: 0.68% (bottom quartile).
  • Sharpe: 1.05 (top quartile).
  • Information ratio: 0.00 (top quartile).
  • Yield to maturity (debt): 7.04% (bottom quartile).
  • Modified duration: 1.11 yrs (top quartile).
  • Average maturity: 1.22 yrs (top quartile).
  • Exit load: NIL.
  • Top bond sector: Corporate.
  • Debt-heavy allocation (~86%).
  • High-quality debt (AAA/AA ~100%).
  • Largest holding 7.38% Gs 2027 (~7.9%).

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

UTI Banking & PSU Debt Fund
Growth
Launch Date 3 Feb 14
NAV (18 Feb 26) ₹22.7506 ↓ 0.00   (0.00 %)
Net Assets (Cr) ₹1,078 on 15 Feb 26
Category Debt - Banking & PSU Debt
AMC UTI Asset Management Company Ltd
Rating
Risk Moderate
Expense Ratio 0.54
Sharpe Ratio 1.05
Information Ratio 0
Alpha Ratio 0
Min Investment 5,000
Min SIP Investment 500
Exit Load NIL
Yield to Maturity 7.04%
Effective Maturity 1 Year 2 Months 19 Days
Modified Duration 1 Year 1 Month 10 Days

Growth of 10,000 investment over the years.

DateValue
31 Jan 21₹10,000
31 Jan 22₹10,313
31 Jan 23₹11,397
31 Jan 24₹12,188
31 Jan 25₹13,109
31 Jan 26₹14,065

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 18 Feb 26

DurationReturns
1 Month 0.7%
3 Month 1.1%
6 Month 2.7%
1 Year 7.5%
3 Year 7.4%
5 Year 7.2%
10 Year
15 Year
Since launch 7.1%
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 214.17 Yr.

Data below for UTI Banking & PSU Debt Fund as on 15 Feb 26

Asset Allocation
Asset ClassValue
Cash13.54%
Debt86.2%
Other0.26%
Debt Sector Allocation
SectorValue
Corporate61.23%
Government30.06%
Cash Equivalent8.44%
Credit Quality
RatingValue
AAA100%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
7.38% Gs 2027
Sovereign Bonds | -
8%₹87 Cr850,000,000
Kotak Mahindra Bank Ltd.
Debentures | -
6%₹71 Cr750,000,000
Union Bank of India
Domestic Bonds | -
6%₹70 Cr750,000,000
↑ 750,000,000
National Housing Bank
Debentures | -
5%₹60 Cr6,000
↑ 2,500
Axis Bank Limited
Debentures | -
5%₹55 Cr550
Export Import Bank Of India
Debentures | -
5%₹50 Cr5,000
Small Industries Development Bank Of India
Debentures | -
5%₹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

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 (₹5,620 Cr).
  • Established history (11+ yrs).
  • Rating: 5★ (upper mid).
  • Risk profile: Moderately Low.
  • 1Y return: 7.00% (bottom quartile).
  • 1M return: 0.79% (upper mid).
  • Sharpe: 0.36 (bottom quartile).
  • Information ratio: 0.00 (upper mid).
  • Yield to maturity (debt): 7.26% (upper mid).
  • Modified duration: 3.13 yrs (lower mid).
  • Average maturity: 4.42 yrs (lower mid).
  • Exit load: NIL.
  • Top bond sector: Corporate.
  • Debt-heavy allocation (~93%).
  • High-quality debt (AAA/AA ~100%).
  • Largest holding Indian Railway Finance Corporation Limited (~4.9%).

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 (18 Feb 26) ₹23.7765 ↓ 0.00   (-0.01 %)
Net Assets (Cr) ₹5,620 on 15 Feb 26
Category Debt - Banking & PSU Debt
AMC HDFC Asset Management Company Limited
Rating
Risk Moderately Low
Expense Ratio 0.78
Sharpe Ratio 0.36
Information Ratio 0
Alpha Ratio 0
Min Investment 5,000
Min SIP Investment 300
Exit Load NIL
Yield to Maturity 7.26%
Effective Maturity 4 Years 5 Months 1 Day
Modified Duration 3 Years 1 Month 17 Days

Growth of 10,000 investment over the years.

DateValue
31 Jan 21₹10,000
31 Jan 22₹10,372
31 Jan 23₹10,757
31 Jan 24₹11,514
31 Jan 25₹12,420
31 Jan 26₹13,245

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 ₹200,132.
Net Profit of ₹20,132
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 18 Feb 26

DurationReturns
1 Month 0.8%
3 Month 0.8%
6 Month 2.5%
1 Year 7%
3 Year 7.3%
5 Year 6%
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 1411.86 Yr.
Dhruv Muchhal22 Jun 232.61 Yr.

Data below for HDFC Banking and PSU Debt Fund as on 15 Feb 26

Asset Allocation
Asset ClassValue
Cash6.48%
Debt93.21%
Other0.32%
Debt Sector Allocation
SectorValue
Corporate58.62%
Government37.12%
Cash Equivalent3.94%
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
7.18% Gs 2033
Sovereign Bonds | -
3%₹169 Cr16,500,000
Bajaj Housing Finance Limited
Debentures | -
3%₹151 Cr15,000
Rec Limited
Debentures | -
3%₹151 Cr1,500
7.26% Gs 2033
Sovereign Bonds | -
3%₹149 Cr14,500,000
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

3. 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 (₹5,495 Cr).
  • Oldest track record among peers (27 yrs).
  • Rating: 4★ (lower mid).
  • Risk profile: Moderately Low.
  • 1Y return: 7.34% (upper mid).
  • 1M return: 0.82% (top quartile).
  • Sharpe: 0.56 (lower mid).
  • Information ratio: 0.00 (lower mid).
  • Yield to maturity (debt): 7.22% (lower mid).
  • Modified duration: 3.11 yrs (upper mid).
  • Average maturity: 4.31 yrs (upper mid).
  • Exit load: NIL.
  • Top bond sector: Corporate.
  • Debt-heavy allocation (~89%).
  • High-quality debt (AAA/AA ~100%).
  • Largest holding Power Finance Corporation Limited (~6.1%).

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 (18 Feb 26) ₹67.8007 ↑ 0.00   (0.00 %)
Net Assets (Cr) ₹5,495 on 31 Jan 26
Category Debt - Banking & PSU Debt
AMC Kotak Mahindra Asset Management Co Ltd
Rating
Risk Moderately Low
Expense Ratio 0.76
Sharpe Ratio 0.56
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 3 Months 22 Days
Modified Duration 3 Years 1 Month 10 Days

Growth of 10,000 investment over the years.

DateValue
31 Jan 21₹10,000
31 Jan 22₹10,402
31 Jan 23₹10,793
31 Jan 24₹11,562
31 Jan 25₹12,489
31 Jan 26₹13,368

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 18 Feb 26

DurationReturns
1 Month 0.8%
3 Month 0.9%
6 Month 2.9%
1 Year 7.3%
3 Year 7.5%
5 Year 6.2%
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 0817.51 Yr.
Dharmesh Thakkar1 Jun 250.67 Yr.

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

Asset Allocation
Asset ClassValue
Cash10.27%
Debt89.41%
Other0.32%
Debt Sector Allocation
SectorValue
Corporate59.89%
Government36.33%
Cash Equivalent3.46%
Credit Quality
RatingValue
AA2.76%
AAA97.24%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
Power Finance Corporation Limited
Debentures | -
6%₹334 Cr33,000
Indian Oil Corporation Limited
Debentures | -
3%₹191 Cr19,000
6.98% Gujarat Sgs 2032
Sovereign Bonds | -
3%₹170 Cr17,217,580
↑ 17,217,580
Power Grid Corporation Of India Limited
Debentures | -
3%₹162 Cr20,004
HDFC Bank Limited
Debentures | -
3%₹155 Cr1,500
Rec Limited
Debentures | -
3%₹153 Cr15,000
State Bank Of India
Debentures | -
3%₹142 Cr1,450
Small Industries Development Bank Of India
Debentures | -
2%₹137 Cr13,500
Goi Frb 2034
Sovereign Bonds | -
2%₹132 Cr13,000,000
Rural Electrification Corporation Limited
Debentures | -
2%₹132 Cr13,000

4. 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 (₹9,583 Cr).
  • Established history (16+ yrs).
  • Rating: 4★ (bottom quartile).
  • Risk profile: Moderate.
  • 1Y return: 7.15% (lower mid).
  • 1M return: 0.72% (bottom quartile).
  • Sharpe: 0.74 (upper mid).
  • Information ratio: 0.00 (bottom quartile).
  • Yield to maturity (debt): 7.32% (top quartile).
  • Modified duration: 3.19 yrs (bottom quartile).
  • Average maturity: 5.83 yrs (bottom quartile).
  • Exit load: NIL.
  • Top bond sector: Corporate.
  • Debt-heavy allocation (~83%).
  • 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 (18 Feb 26) ₹33.9136 ↓ -0.01   (-0.03 %)
Net Assets (Cr) ₹9,583 on 31 Jan 26
Category Debt - Banking & PSU Debt
AMC ICICI Prudential Asset Management Company Limited
Rating
Risk Moderate
Expense Ratio 0.74
Sharpe Ratio 0.74
Information Ratio 0
Alpha Ratio 0
Min Investment 5,000
Min SIP Investment 100
Exit Load NIL
Yield to Maturity 7.32%
Effective Maturity 5 Years 9 Months 29 Days
Modified Duration 3 Years 2 Months 8 Days

Growth of 10,000 investment over the years.

DateValue
31 Jan 21₹10,000
31 Jan 22₹10,396
31 Jan 23₹10,894
31 Jan 24₹11,712
31 Jan 25₹12,639
31 Jan 26₹13,530

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 18 Feb 26

DurationReturns
1 Month 0.7%
3 Month 1%
6 Month 2.8%
1 Year 7.1%
3 Year 7.5%
5 Year 6.4%
10 Year
15 Year
Since launch 7.9%
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 241.38 Yr.
Rohit Lakhotia12 Jun 232.64 Yr.

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

Asset Allocation
Asset ClassValue
Cash16.54%
Debt83.15%
Other0.31%
Debt Sector Allocation
SectorValue
Corporate56.11%
Government29.54%
Cash Equivalent14.03%
Credit Quality
RatingValue
AA0.88%
AAA99.12%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
National Bank For Agriculture And Rural Development
Debentures | -
4%₹403 Cr40,000
6.68% Gs 2040
Sovereign Bonds | -
4%₹395 Cr41,025,450
7.34% Gs 2064
Sovereign Bonds | -
4%₹361 Cr36,467,800
LIC Housing Finance Ltd
Debentures | -
3%₹325 Cr32,500
National Bank For Agriculture And Rural Development
Debentures | -
3%₹302 Cr30,000
Small Industries Development Bank Of India
Debentures | -
3%₹250 Cr25,000
↑ 2,500
Rec Limited
Debentures | -
3%₹248 Cr25,000
Mahanagar Telephone Nigam Limited
Debentures | -
2%₹225 Cr22,500
6.48% Gs 2035
Sovereign Bonds | -
2%₹213 Cr21,657,700
↓ -5,000,000
Small Industries Development Bank Of India
Debentures | -
2%₹201 Cr20,000

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 (₹8,979 Cr).
  • Established history (17+ yrs).
  • Rating: 4★ (bottom quartile).
  • Risk profile: Moderate.
  • 1Y return: 6.82% (bottom quartile).
  • 1M return: 0.74% (lower mid).
  • Sharpe: 0.28 (bottom quartile).
  • Information ratio: 0.00 (bottom quartile).
  • Yield to maturity (debt): 7.02% (bottom quartile).
  • Modified duration: 3.58 yrs (bottom quartile).
  • Average maturity: 4.87 yrs (bottom quartile).
  • Exit load: NIL.
  • Top sector: Financial Services.
  • Top bond sector: Corporate.
  • Debt-heavy allocation (~88%).
  • High-quality debt (AAA/AA ~100%).
  • Largest holding National Bank For Agriculture And Rural Development (~4.1%).

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 (18 Feb 26) ₹378.315 ↓ -0.03   (-0.01 %)
Net Assets (Cr) ₹8,979 on 31 Jan 26
Category Debt - Banking & PSU Debt
AMC Birla Sun Life Asset Management Co Ltd
Rating
Risk Moderate
Expense Ratio 0.73
Sharpe Ratio 0.28
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.

DateValue
31 Jan 21₹10,000
31 Jan 22₹10,396
31 Jan 23₹10,804
31 Jan 24₹11,563
31 Jan 25₹12,477
31 Jan 26₹13,288

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 ₹200,132.
Net Profit of ₹20,132
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 18 Feb 26

DurationReturns
1 Month 0.7%
3 Month 0.7%
6 Month 2.4%
1 Year 6.8%
3 Year 7.3%
5 Year 6.1%
10 Year
15 Year
Since launch 7.8%
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 0916.35 Yr.
Harshil Suvarnkar22 Mar 214.87 Yr.

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

Asset Allocation
Asset ClassValue
Cash12.08%
Debt87.62%
Other0.31%
Debt Sector Allocation
SectorValue
Corporate58.09%
Government35.18%
Cash Equivalent6.42%
Credit Quality
RatingValue
AAA100%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
National Bank For Agriculture And Rural Development
Debentures | -
4%₹367 Cr36,500
↓ -2,500
Power Finance Corporation Limited
Debentures | -
3%₹301 Cr30,000
National Housing Bank
Debentures | -
2%₹219 Cr22,500
7.10% Gs 2034
Sovereign Bonds | -
2%₹215 Cr21,000,000
↓ -500,000
Punjab National Bank
Domestic Bonds | -
2%₹210 Cr4,500
↑ 4,500
Indian Railway Finance Corporation Limited
Debentures | -
2%₹195 Cr20,000
Rec Limited
Debentures | -
2%₹191 Cr19,000
HDFC Bank Limited
Debentures | -
2%₹185 Cr1,800
Bajaj Finance Limited
Debentures | -
2%₹166 Cr16,500
State Bank Of India
Debentures | -
2%₹159 Cr160

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