शीर्ष 5 सर्वश्रेष्ठ बैंकिंग और पीएसयू डेट फंड 2022

Updated on July 8, 2026 , 21610 views

बैंकिंग और पीएसयू डेट फंड भारतीय प्रतिभूति और विनिमय बोर्ड द्वारा शुरू की गई नई उप-श्रेणी हैं (सेबी) कर्ज मेंम्यूचुअल फंड वर्ग। ये फंड मुख्य रूप से डेट में निवेश करते हैं औरमुद्रा बाजार बैंकों, सार्वजनिक वित्तीय संस्थानों, सार्वजनिक क्षेत्र के उपक्रमों आदि जैसी संस्थाओं द्वारा जारी प्रतिभूतियों से युक्त उपकरण। इस विकल्प को इष्टतम संतुलन बनाए रखने के लिए माना जाता हैलिक्विडिटी, सुरक्षा, और उपज।

बैंकिंग और पीएसयूडेट फंड डेट फंड की शॉर्ट टर्म कैटेगरी से संबंधित है, जिसका उद्देश्य सुरक्षित रिटर्न देना और जोखिम को कम करना हैनिवेश बैंकों और सार्वजनिक क्षेत्र के उपक्रमों द्वारा मुख्य रूप से जारी अच्छी गुणवत्ता वाले ऋण साधनों में। निवेशक जो छोटी अवधि के लिए निवेश करना चाहते हैं, आदर्श रूप से 2-3 साल के लिए इस योजना में निवेश कर सकते हैं।

यहां कुछ बेहतरीन प्रदर्शन करने वाले बैंकिंग और पीएसयू डेट फंड 2022 - 2023 दिए गए हैं।

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शीर्ष प्रदर्शन करने वाले बैंकिंग और पीएसयू डेट फंड

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	₹23.2786 ↑ 0.01	₹1,227	1.6	2.9	5.5	7.1	7.8	7.69%	9M 14D	10M 2D
HDFC Banking and PSU Debt Fund Growth	₹24.3237 ↑ 0.02	₹5,215	2.2	2.9	5	7.1	7.5	7.78%	3Y 7D	4Y 1M 2D
ICICI Prudential Banking and PSU Debt Fund Growth	₹34.7535 ↑ 0.02	₹8,943	2.1	3.1	5.6	7.3	7.6	7.9%	3Y 2M 16D	5Y 9M 29D
Kotak Banking and PSU Debt fund Growth	₹69.3745 ↑ 0.04	₹5,009	2	3	5.4	7.3	7.7	7.77%	2Y 9M 22D	3Y 6M 18D
Aditya Birla Sun Life Banking & PSU Debt Fund Growth	₹386.896 ↑ 0.42	₹8,820	1.9	2.8	4.9	7	7.3	7.73%	2Y 6M 29D	3Y 9M 18D
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 10 Jul 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 (₹1,227 Cr).	Lower mid AUM (₹5,215 Cr).	Highest AUM (₹8,943 Cr).	Bottom quartile AUM (₹5,009 Cr).	Upper mid AUM (₹8,820 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: 5.49% (upper mid).	1Y return: 5.03% (bottom quartile).	1Y return: 5.64% (top quartile).	1Y return: 5.42% (lower mid).	1Y return: 4.86% (bottom quartile).
Point 6	1M return: 0.72% (bottom quartile).	1M return: 0.95% (lower mid).	1M return: 1.02% (top quartile).	1M return: 0.85% (bottom quartile).	1M return: 0.95% (upper mid).
Point 7	Sharpe: -1.01 (top quartile).	Sharpe: -1.58 (bottom quartile).	Sharpe: -1.19 (upper mid).	Sharpe: -1.38 (lower mid).	Sharpe: -1.66 (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): 7.69% (bottom quartile).	Yield to maturity (debt): 7.78% (upper mid).	Yield to maturity (debt): 7.90% (top quartile).	Yield to maturity (debt): 7.77% (lower mid).	Yield to maturity (debt): 7.73% (bottom quartile).
Point 10	Modified duration: 0.79 yrs (top quartile).	Modified duration: 3.02 yrs (bottom quartile).	Modified duration: 3.21 yrs (bottom quartile).	Modified duration: 2.81 yrs (lower mid).	Modified duration: 2.58 yrs (upper mid).

UTI Banking & PSU Debt Fund

Bottom quartile AUM (₹1,227 Cr).
Established history (12+ yrs).
Top rated.
Risk profile: Moderate.
1Y return: 5.49% (upper mid).
1M return: 0.72% (bottom quartile).
Sharpe: -1.01 (top quartile).
Information ratio: 0.00 (top quartile).
Yield to maturity (debt): 7.69% (bottom quartile).
Modified duration: 0.79 yrs (top quartile).

HDFC Banking and PSU Debt Fund

Lower mid AUM (₹5,215 Cr).
Established history (12+ yrs).
Rating: 5★ (upper mid).
Risk profile: Moderately Low.
1Y return: 5.03% (bottom quartile).
1M return: 0.95% (lower mid).
Sharpe: -1.58 (bottom quartile).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 7.78% (upper mid).
Modified duration: 3.02 yrs (bottom quartile).

ICICI Prudential Banking and PSU Debt Fund

Highest AUM (₹8,943 Cr).
Established history (16+ yrs).
Rating: 4★ (lower mid).
Risk profile: Moderate.
1Y return: 5.64% (top quartile).
1M return: 1.02% (top quartile).
Sharpe: -1.19 (upper mid).
Information ratio: 0.00 (lower mid).
Yield to maturity (debt): 7.90% (top quartile).
Modified duration: 3.21 yrs (bottom quartile).

Kotak Banking and PSU Debt fund

Bottom quartile AUM (₹5,009 Cr).
Oldest track record among peers (27 yrs).
Rating: 4★ (bottom quartile).
Risk profile: Moderately Low.
1Y return: 5.42% (lower mid).
1M return: 0.85% (bottom quartile).
Sharpe: -1.38 (lower mid).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 7.77% (lower mid).
Modified duration: 2.81 yrs (lower mid).

Aditya Birla Sun Life Banking & PSU Debt Fund

Upper mid AUM (₹8,820 Cr).
Established history (18+ yrs).
Rating: 4★ (bottom quartile).
Risk profile: Moderate.
1Y return: 4.86% (bottom quartile).
1M return: 0.95% (upper mid).
Sharpe: -1.66 (bottom quartile).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 7.73% (bottom quartile).
Modified duration: 2.58 yrs (upper mid).

शीर्ष 5 सर्वश्रेष्ठ प्रदर्शन करने वाले बैंकिंग और पीएसयू डेट फंड

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 (₹1,227 Cr).
Established history (12+ yrs).
Top rated.
Risk profile: Moderate.
1Y return: 5.49% (upper mid).
1M return: 0.72% (bottom quartile).
Sharpe: -1.01 (top quartile).
Information ratio: 0.00 (top quartile).
Yield to maturity (debt): 7.69% (bottom quartile).
Modified duration: 0.79 yrs (top quartile).
Average maturity: 0.84 yrs (top quartile).
Exit load: NIL.
Higher exposure to Corporate (bond sector) vs peer median.
Conservative stance with elevated cash (~47%).
High-quality debt (AAA/AA ~100%).
Largest holding Axis Bank Limited (~4.5%).

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

UTI Banking & PSU Debt Fund Growth
Launch Date	3 Feb 14
NAV (10 Jul 26)	₹23.2786 ↑ 0.01 (0.02 %)
Net Assets (Cr)	₹1,227 on 31 May 26
Category	Debt - Banking & PSU Debt
AMC	UTI Asset Management Company Ltd
Rating	☆☆☆☆☆
Risk	Moderate
Expense Ratio	0.54
Sharpe Ratio	-1.01
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	500
Exit Load	NIL
Yield to Maturity	7.69%
Effective Maturity	10 Months 2 Days
Modified Duration	9 Months 14 Days

Growth of 10,000 investment over the years.

Date	Value
30 Jun 21	₹10,000
30 Jun 22	₹10,859
30 Jun 23	₹11,627
30 Jun 24	₹12,398
30 Jun 25	₹13,511
30 Jun 26	₹14,282

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 10 Jul 26

Duration	Returns
1 Month	0.7%
3 Month	1.6%
6 Month	2.9%
1 Year	5.5%
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	4.58 Yr.

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

Asset Allocation

Asset Class	Value
Cash	46.53%
Debt	53.23%
Other	0.24%

Debt Sector Allocation

Sector	Value
Corporate	69.8%
Government	21.89%
Cash Equivalent	8.07%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Axis Bank Limited Debentures \| -	4%	₹55 Cr	550
7.38% Govt Stock 2027 Sovereign Bonds \| -	4%	₹51 Cr	500,000,000
Small Industries Development Bank Of India Debentures \| -	4%	₹50 Cr	5,000
National Bank For Agriculture And Rural Development Debentures \| -	3%	₹40 Cr	4,000
National Housing Bank Debentures \| -	3%	₹35 Cr	3,500 ↓ -2,500
HDFC Bank Limited Debentures \| -	3%	₹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
Power Finance Corporation Limited Debentures \| -	2%	₹25 Cr	250
Aditya Birla Housing Finance Limited Debentures \| -	2%	₹25 Cr	2,500

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 (₹5,215 Cr).
Established history (12+ yrs).
Rating: 5★ (upper mid).
Risk profile: Moderately Low.
1Y return: 5.03% (bottom quartile).
1M return: 0.95% (lower mid).
Sharpe: -1.58 (bottom quartile).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 7.78% (upper mid).
Modified duration: 3.02 yrs (bottom quartile).
Average maturity: 4.09 yrs (bottom quartile).
Exit load: NIL.
Top bond sector: Corporate.
Debt-heavy allocation (~92%).
High-quality debt (AAA/AA ~100%).
Largest holding Indian Railway Finance Corporation Limited (~4.4%).

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 (10 Jul 26)	₹24.3237 ↑ 0.02 (0.06 %)
Net Assets (Cr)	₹5,215 on 31 May 26
Category	Debt - Banking & PSU Debt
AMC	HDFC Asset Management Company Limited
Rating	☆☆☆☆☆
Risk	Moderately Low
Expense Ratio	0.78
Sharpe Ratio	-1.58
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	300
Exit Load	NIL
Yield to Maturity	7.78%
Effective Maturity	4 Years 1 Month 2 Days
Modified Duration	3 Years 7 Days

Growth of 10,000 investment over the years.

Date	Value
30 Jun 21	₹10,000
30 Jun 22	₹10,260
30 Jun 23	₹10,933
30 Jun 24	₹11,693
30 Jun 25	₹12,752
30 Jun 26	₹13,431

HDFC 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 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 10 Jul 26

Duration	Returns
1 Month	1%
3 Month	2.2%
6 Month	2.9%
1 Year	5%
3 Year	7.1%
5 Year	6%
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	12.27 Yr.
Dhruv Muchhal	22 Jun 23	3.03 Yr.

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

Asset Allocation

Asset Class	Value
Cash	7.33%
Debt	92.32%
Other	0.35%

Debt Sector Allocation

Sector	Value
Corporate	59.53%
Government	35.12%
Cash Equivalent	4.99%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Indian Railway Finance Corporation Limited Debentures \| -	4%	₹227 Cr	22,500 ↓ -5,000
Indian Railway Finance Corporation Limited Debentures \| -	3%	₹152 Cr	15,000 ↓ -5,000
Rec Limited Debentures \| -	3%	₹151 Cr	1,500
Bajaj Housing Finance Limited Debentures \| -	3%	₹151 Cr	15,000
Housing And Urban Development Corporation Limited Debentures \| -	3%	₹129 Cr	1,250
HDFC Bank Limited Debentures \| -	2%	₹127 Cr	12,500
Power Finance Corporation Limited Debentures \| -	2%	₹126 Cr	12,500
National Bank For Agriculture And Rural Development Debentures \| -	2%	₹125 Cr	12,500
Punjab National Bank Debentures \| -	2%	₹123 Cr	12,500
Bajaj Housing Finance Limited 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 (₹8,943 Cr).
Established history (16+ yrs).
Rating: 4★ (lower mid).
Risk profile: Moderate.
1Y return: 5.64% (top quartile).
1M return: 1.02% (top quartile).
Sharpe: -1.19 (upper mid).
Information ratio: 0.00 (lower mid).
Yield to maturity (debt): 7.90% (top quartile).
Modified duration: 3.21 yrs (bottom quartile).
Average maturity: 5.83 yrs (bottom quartile).
Exit load: NIL.
Top bond sector: Corporate.
Debt-heavy allocation (~94%).
High-quality debt (AAA/AA ~100%).
Largest holding National Bank For Agriculture And Rural Development (~4.9%).

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 (10 Jul 26)	₹34.7535 ↑ 0.02 (0.07 %)
Net Assets (Cr)	₹8,943 on 31 May 26
Category	Debt - Banking & PSU Debt
AMC	ICICI Prudential Asset Management Company Limited
Rating	☆☆☆☆
Risk	Moderate
Expense Ratio	0.74
Sharpe Ratio	-1.19
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	100
Exit Load	NIL
Yield to Maturity	7.9%
Effective Maturity	5 Years 9 Months 29 Days
Modified Duration	3 Years 2 Months 16 Days

Growth of 10,000 investment over the years.

Date	Value
30 Jun 21	₹10,000
30 Jun 22	₹10,316
30 Jun 23	₹11,083
30 Jun 24	₹11,899
30 Jun 25	₹12,947
30 Jun 26	₹13,706

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 10 Jul 26

Duration	Returns
1 Month	1%
3 Month	2.1%
6 Month	3.1%
1 Year	5.6%
3 Year	7.3%
5 Year	6.5%
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	1.79 Yr.
Rohit Lakhotia	12 Jun 23	3.05 Yr.

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

Asset Allocation

Asset Class	Value
Cash	5.71%
Debt	93.93%
Other	0.36%

Debt Sector Allocation

Sector	Value
Corporate	61.1%
Government	36.71%
Cash Equivalent	1.83%

Credit Quality

Rating	Value
AA	0.92%
AAA	99.08%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
National Bank For Agriculture And Rural Development Debentures \| -	5%	₹426 Cr	42,500
LIC Housing Finance Ltd Debentures \| -	4%	₹325 Cr	32,500
National Bank For Agriculture And Rural Development Debentures \| -	3%	₹301 Cr	30,000
7.34% Govt Stock 2064 Sovereign Bonds \| -	3%	₹298 Cr	30,967,800
Power Finance Corporation Limited Debentures \| -	3%	₹274 Cr	27,500
Small Industries Development Bank Of India Debentures \| -	3%	₹250 Cr	25,000
Rec Limited Debentures \| -	3%	₹248 Cr	25,000
6.9% Govt Stock 2065 Sovereign Bonds \| -	3%	₹231 Cr	25,400,000
Mahanagar Telephone Nigam Limited Debentures \| -	3%	₹222 Cr	22,500
SIDDHIVINAYAK SECURITISATION TRUST Unlisted bonds \| -	2%	₹200 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 (₹5,009 Cr).
Oldest track record among peers (27 yrs).
Rating: 4★ (bottom quartile).
Risk profile: Moderately Low.
1Y return: 5.42% (lower mid).
1M return: 0.85% (bottom quartile).
Sharpe: -1.38 (lower mid).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 7.77% (lower mid).
Modified duration: 2.81 yrs (lower mid).
Average maturity: 3.55 yrs (upper mid).
Exit load: NIL.
Top bond sector: Corporate.
Debt-heavy allocation (~95%).
High-quality debt (AAA/AA ~100%).
Largest holding Power Finance Corporation Limited (~6.6%).

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 (10 Jul 26)	₹69.3745 ↑ 0.04 (0.06 %)
Net Assets (Cr)	₹5,009 on 31 May 26
Category	Debt - Banking & PSU Debt
AMC	Kotak Mahindra Asset Management Co Ltd
Rating	☆☆☆☆
Risk	Moderately Low
Expense Ratio	0.76
Sharpe Ratio	-1.38
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	1,000
Exit Load	NIL
Yield to Maturity	7.77%
Effective Maturity	3 Years 6 Months 18 Days
Modified Duration	2 Years 9 Months 22 Days

Growth of 10,000 investment over the years.

Date	Value
30 Jun 21	₹10,000
30 Jun 22	₹10,276
30 Jun 23	₹10,993
30 Jun 24	₹11,771
30 Jun 25	₹12,848
30 Jun 26	₹13,580

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 10 Jul 26

Duration	Returns
1 Month	0.9%
3 Month	2%
6 Month	3%
1 Year	5.4%
3 Year	7.3%
5 Year	6.3%
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	17.92 Yr.
Dharmesh Thakkar	1 Jun 25	1.08 Yr.

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

Asset Allocation

Asset Class	Value
Cash	4.74%
Debt	94.9%
Other	0.36%

Debt Sector Allocation

Sector	Value
Corporate	54.63%
Government	42.18%
Cash Equivalent	2.83%

Credit Quality

Rating	Value
AA	2.99%
AAA	97.01%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Power Finance Corporation Limited Debentures \| -	7%	₹333 Cr	33,000
National Bank for Financing Infrastructure & Development 0.0737% Domestic Bonds \| -	4%	₹200 Cr	20,000 ↑ 20,000
Indian Oil Corporation Limited Debentures \| -	4%	₹191 Cr	19,000
6.98% Gujarat Sgs 2032 Sovereign Bonds \| -	3%	₹169 Cr	17,217,580
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%	₹152 Cr	15,000
7.17% Gujarat Sgs 2032 Sovereign Bonds \| -	3%	₹149 Cr	15,000,000
State Bank Of India Debentures \| -	3%	₹144 Cr	1,450
Rural Electrification Corporation Limited Debentures \| -	3%	₹131 Cr	13,000

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 (₹8,820 Cr).
Established history (18+ yrs).
Rating: 4★ (bottom quartile).
Risk profile: Moderate.
1Y return: 4.86% (bottom quartile).
1M return: 0.95% (upper mid).
Sharpe: -1.66 (bottom quartile).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 7.73% (bottom quartile).
Modified duration: 2.58 yrs (upper mid).
Average maturity: 3.80 yrs (lower mid).
Exit load: NIL.
Top sector: Financial Services.
Top bond sector: Corporate.
Debt-heavy allocation (~84%).
High-quality debt (AAA/AA ~100%).
Largest holding National Bank For Agriculture And Rural Development (~5.7%).

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 (10 Jul 26)	₹386.896 ↑ 0.42 (0.11 %)
Net Assets (Cr)	₹8,820 on 31 May 26
Category	Debt - Banking & PSU Debt
AMC	Birla Sun Life Asset Management Co Ltd
Rating	☆☆☆☆
Risk	Moderate
Expense Ratio	0.73
Sharpe Ratio	-1.66
Information Ratio	0
Alpha Ratio	0
Min Investment	1,000
Min SIP Investment	1,000
Exit Load	NIL
Yield to Maturity	7.73%
Effective Maturity	3 Years 9 Months 18 Days
Modified Duration	2 Years 6 Months 29 Days

Growth of 10,000 investment over the years.

Date	Value
30 Jun 21	₹10,000
30 Jun 22	₹10,298
30 Jun 23	₹10,978
30 Jun 24	₹11,744
30 Jun 25	₹12,804
30 Jun 26	₹13,457

Aditya Birla Sun Life Banking & 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 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 10 Jul 26

Duration	Returns
1 Month	1%
3 Month	1.9%
6 Month	2.8%
1 Year	4.9%
3 Year	7%
5 Year	6.1%
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	16.76 Yr.
Harshil Suvarnkar	22 Mar 21	5.28 Yr.

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

Asset Allocation

Asset Class	Value
Cash	15.88%
Debt	83.81%
Other	0.32%

Debt Sector Allocation

Sector	Value
Corporate	57.81%
Government	38.6%
Cash Equivalent	3.28%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
National Bank For Agriculture And Rural Development Debentures \| -	6%	₹506 Cr	50,500 ↑ 10,000
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
Bajaj Finance Limited Debentures \| -	2%	₹165 Cr	16,500
State Bank Of India Debentures \| -	2%	₹161 Cr	160
Indian Railway Finance Corporation Limited Debentures \| -	2%	₹160 Cr	16,250 ↑ 12,500
Power Finance Corporation Limited Debentures \| -	2%	₹151 Cr	15,000
SHIVSHAKTI SECURITISATION TRUST Unlisted bonds \| -	2%	₹143 Cr	145
Small Industries Development Bank Of India Debentures \| -	1%	₹125 Cr	12,500 ↑ 5,000

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