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शीर्ष 5 सर्वश्रेष्ठ बैंकिंग और पीएसयू डेट फंड 2022 - फिनकैश

फिनकैश »म्यूचुअल फंड इंडिया »सर्वश्रेष्ठ बैंकिंग और पीएसयू फंड

शीर्ष 5 सर्वश्रेष्ठ बैंकिंग और पीएसयू डेट फंड 2022

Updated on April 27, 2025 , 20669 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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Banking-PSU-Funds

शीर्ष प्रदर्शन करने वाले बैंकिंग और पीएसयू डेट फंड

FundNAVNet Assets (Cr)3 MO (%)6 MO (%)1 YR (%)3 YR (%)2023 (%)Debt Yield (YTM)Mod. DurationEff. Maturity
HDFC Banking and PSU Debt Fund Growth ₹22.8514
↑ 0.02
₹5,9963.24.99.57.17.97.25%3Y 10M 10D5Y 6M 4D
UTI Banking & PSU Debt Fund Growth ₹21.6967
↑ 0.02
₹7852.94.58.99.27.67.14%2Y 29D2Y 4M 24D
DSP BlackRock Banking and PSU Debt Fund Growth ₹23.9928
↑ 0.03
₹3,4093.44.910.17.38.67.16%5Y 5M 1D9Y 10M 13D
Kotak Banking and PSU Debt fund Growth ₹64.9376
↑ 0.08
₹6,0113.24.99.67.287.28%3Y 6M 29D5Y 4M 6D
Aditya Birla Sun Life Banking & PSU Debt Fund Growth ₹364.164
↑ 0.27
₹8,5883.24.99.57.17.97.22%3Y 6M 7D4Y 9M
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 29 Apr 25

शीर्ष 5 सर्वश्रेष्ठ प्रदर्शन करने वाले बैंकिंग और पीएसयू डेट फंड

1. 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.

HDFC Banking and PSU Debt Fund is a Debt - Banking & PSU Debt fund was launched on 26 Mar 14. It is a fund with Moderately Low risk and has given a CAGR/Annualized return of 7.7% since its launch.  Ranked 6 in Banking & PSU Debt category.  Return for 2024 was 7.9% , 2023 was 6.8% and 2022 was 3.3% .

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 (29 Apr 25) ₹22.8514 ↑ 0.02   (0.10 %)
Net Assets (Cr) ₹5,996 on 31 Mar 25
Category Debt - Banking & PSU Debt
AMC HDFC Asset Management Company Limited
Rating
Risk Moderately Low
Expense Ratio 0.79
Sharpe Ratio 1.05
Information Ratio 0
Alpha Ratio 0
Min Investment 5,000
Min SIP Investment 300
Exit Load NIL
Yield to Maturity 7.25%
Effective Maturity 5 Years 6 Months 4 Days
Modified Duration 3 Years 10 Months 10 Days

Growth of 10,000 investment over the years.

DateValue
31 Mar 20₹10,000
31 Mar 21₹10,797
31 Mar 22₹11,284
31 Mar 23₹11,743
31 Mar 24₹12,607
31 Mar 25₹13,628

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 29 Apr 25

DurationReturns
1 Month 1.5%
3 Month 3.2%
6 Month 4.9%
1 Year 9.5%
3 Year 7.1%
5 Year 6.9%
10 Year
15 Year
Since launch 7.7%
Historical performance (Yearly) on absolute basis
YearReturns
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%
2014 9.8%
Fund Manager information for HDFC Banking and PSU Debt Fund
NameSinceTenure
Anil Bamboli26 Mar 1411.02 Yr.
Dhruv Muchhal22 Jun 231.78 Yr.

Data below for HDFC Banking and PSU Debt Fund as on 31 Mar 25

Asset Allocation
Asset ClassValue
Cash14.37%
Debt85.38%
Other0.25%
Debt Sector Allocation
SectorValue
Government45.44%
Corporate41.45%
Cash Equivalent12.86%
Credit Quality
RatingValue
AAA100%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
7.18% Govt Stock 2033
Sovereign Bonds | -
5%₹290 Cr29,000,000
↑ 10,000,000
Indian Railway Finance Corporation Limited
Debentures | -
4%₹274 Cr27,500
HDFC Bank Limited
Debentures | -
4%₹229 Cr23,000
↑ 23,000
Small Industries Development Bank Of India
Debentures | -
4%₹224 Cr22,500
7.26% Govt Stock 2033
Sovereign Bonds | -
3%₹216 Cr21,500,000
↑ 4,500,000
Indian Railway Finance Corporation Limited
Debentures | -
3%₹200 Cr20,000
7.1% Govt Stock 2029
Sovereign Bonds | -
3%₹194 Cr19,500,000
↑ 19,500,000
Power Finance Corporation Ltd.
Debentures | -
2%₹150 Cr15,000
↑ 2,500
Rural Electrification Corporation Limited
Debentures | -
2%₹149 Cr1,500
National Bank For Agriculture And Rural Development
Debentures | -
2%₹149 Cr1,500
↑ 1,500

2. 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).

UTI Banking & PSU Debt Fund is a Debt - Banking & PSU Debt fund was launched on 3 Feb 14. It is a fund with Moderate risk and has given a CAGR/Annualized return of 7.1% since its launch.  Ranked 3 in Banking & PSU Debt category.  Return for 2024 was 7.6% , 2023 was 6.7% and 2022 was 10.3% .

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

UTI Banking & PSU Debt Fund
Growth
Launch Date 3 Feb 14
NAV (29 Apr 25) ₹21.6967 ↑ 0.02   (0.09 %)
Net Assets (Cr) ₹785 on 31 Mar 25
Category Debt - Banking & PSU Debt
AMC UTI Asset Management Company Ltd
Rating
Risk Moderate
Expense Ratio 0.55
Sharpe Ratio 1.06
Information Ratio 0
Alpha Ratio 0
Min Investment 5,000
Min SIP Investment 500
Exit Load NIL
Yield to Maturity 7.14%
Effective Maturity 2 Years 4 Months 24 Days
Modified Duration 2 Years 29 Days

Growth of 10,000 investment over the years.

DateValue
31 Mar 20₹10,000
31 Mar 21₹10,675
31 Mar 22₹11,056
31 Mar 23₹12,276
31 Mar 24₹13,144
31 Mar 25₹14,168

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 29 Apr 25

DurationReturns
1 Month 1.3%
3 Month 2.9%
6 Month 4.5%
1 Year 8.9%
3 Year 9.2%
5 Year 7.4%
10 Year
15 Year
Since launch 7.1%
Historical performance (Yearly) on absolute basis
YearReturns
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%
2014 8.6%
Fund Manager information for UTI Banking & PSU Debt Fund
NameSinceTenure
Anurag Mittal1 Dec 213.33 Yr.

Data below for UTI Banking & PSU Debt Fund as on 31 Mar 25

Asset Allocation
Asset ClassValue
Cash3.44%
Debt96.23%
Other0.33%
Debt Sector Allocation
SectorValue
Corporate52.95%
Government43.28%
Cash Equivalent3.44%
Credit Quality
RatingValue
AAA100%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
7.38% Govt Stock 2027
Sovereign Bonds | -
12%₹92 Cr900,000,000
Axis Bank Limited
Debentures | -
7%₹55 Cr550
Small Industries Development Bank Of India
Debentures | -
6%₹51 Cr5,000
Export-Import Bank Of India
Debentures | -
6%₹51 Cr5,000
Power Finance Corporation Limited
Debentures | -
5%₹41 Cr400
Rural Electrification Corporation Limited
Debentures | -
5%₹36 Cr3,500
HDFC Bank Limited
Debentures | -
4%₹35 Cr350
Indian Railway Finance Corporation Limited
Debentures | -
4%₹30 Cr300
National Bank For Agriculture And Rural Development
Debentures | -
4%₹30 Cr3,000
National Bank For Agriculture And Rural Development
Debentures | -
3%₹26 Cr250

3. DSP BlackRock Banking and PSU Debt Fund

The investment objective of the Scheme is to seek to generate income and capital appreciation by primarily investing in a portfolio of high quality debt and money market securities that are issued by banks and public sector entities/undertakings.

DSP BlackRock Banking and PSU Debt Fund is a Debt - Banking & PSU Debt fund was launched on 14 Sep 13. It is a fund with Moderate risk and has given a CAGR/Annualized return of 7.8% since its launch.  Ranked 20 in Banking & PSU Debt category.  Return for 2024 was 8.6% , 2023 was 6.7% and 2022 was 3.2% .

Below is the key information for DSP BlackRock Banking and PSU Debt Fund

DSP BlackRock Banking and PSU Debt Fund
Growth
Launch Date 14 Sep 13
NAV (29 Apr 25) ₹23.9928 ↑ 0.03   (0.12 %)
Net Assets (Cr) ₹3,409 on 31 Mar 25
Category Debt - Banking & PSU Debt
AMC DSP BlackRock Invmt Managers Pvt. Ltd.
Rating
Risk Moderate
Expense Ratio 0.58
Sharpe Ratio 0.76
Information Ratio 0
Alpha Ratio 0
Min Investment 1,000
Min SIP Investment 500
Exit Load 0-1 Months (0.25%),1 Months and above(NIL)
Yield to Maturity 7.16%
Effective Maturity 9 Years 10 Months 13 Days
Modified Duration 5 Years 5 Months 1 Day

Growth of 10,000 investment over the years.

DateValue
31 Mar 20₹10,000
31 Mar 21₹10,802
31 Mar 22₹11,218
31 Mar 23₹11,666
31 Mar 24₹12,570
31 Mar 25₹13,616

DSP BlackRock 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 DSP BlackRock 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 29 Apr 25

DurationReturns
1 Month 1.7%
3 Month 3.4%
6 Month 4.9%
1 Year 10.1%
3 Year 7.3%
5 Year 6.6%
10 Year
15 Year
Since launch 7.8%
Historical performance (Yearly) on absolute basis
YearReturns
2023 8.6%
2022 6.7%
2021 3.2%
2020 3.1%
2019 10.9%
2018 9.9%
2017 6.3%
2016 5.4%
2015 10.6%
2014 8.6%
Fund Manager information for DSP BlackRock Banking and PSU Debt Fund
NameSinceTenure
Sandeep Yadav1 Aug 240.66 Yr.
Shantanu Godambe1 Jun 231.83 Yr.

Data below for DSP BlackRock Banking and PSU Debt Fund as on 31 Mar 25

Asset Allocation
Asset ClassValue
Cash9.04%
Debt90.74%
Other0.23%
Debt Sector Allocation
SectorValue
Corporate50.84%
Government48.06%
Cash Equivalent0.88%
Credit Quality
RatingValue
AAA100%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
7.3% Govt Stock 2053
Sovereign Bonds | -
9%₹302 Cr28,000,000
8.17% Govt Stock 2044
Sovereign Bonds | -
5%₹178 Cr15,000,000
↑ 6,500,000
7.34% Govt Stock 2064
Sovereign Bonds | -
5%₹165 Cr15,000,000
↑ 5,000,000
Small Industries Development Bank Of India
Debentures | -
4%₹132 Cr12,500
Power Grid Corporation Of India Limited
Debentures | -
3%₹112 Cr1,050
National Bank for Agriculture and Rural Development
Domestic Bonds | -
3%₹110 Cr10,000
Indian Railway Finance Corporation Limited
Debentures | -
3%₹109 Cr1,000
State Bank Of India
Debentures | -
3%₹108 Cr100
GAil (India) Limited
Debentures | -
3%₹104 Cr1,000
Bajaj Finance Ltd.
Debentures | -
3%₹100 Cr10,000
↑ 10,000

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.

Kotak Banking and PSU Debt fund is a Debt - Banking & PSU Debt fund was launched on 29 Dec 98. It is a fund with Moderately Low risk and has given a CAGR/Annualized return of since its launch.  Ranked 19 in Banking & PSU Debt category.  Return for 2024 was 8% , 2023 was 6.8% and 2022 was 3.6% .

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 (29 Apr 25) ₹64.9376 ↑ 0.08   (0.12 %)
Net Assets (Cr) ₹6,011 on 31 Mar 25
Category Debt - Banking & PSU Debt
AMC Kotak Mahindra Asset Management Co Ltd
Rating
Risk Moderately Low
Expense Ratio 0.81
Sharpe Ratio 1.07
Information Ratio 0
Alpha Ratio 0
Min Investment 5,000
Min SIP Investment 1,000
Exit Load NIL
Yield to Maturity 7.28%
Effective Maturity 5 Years 4 Months 6 Days
Modified Duration 3 Years 6 Months 29 Days

Growth of 10,000 investment over the years.

DateValue
31 Mar 20₹10,000
31 Mar 21₹10,770
31 Mar 22₹11,301
31 Mar 23₹11,790
31 Mar 24₹12,663
31 Mar 25₹13,693

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 29 Apr 25

DurationReturns
1 Month 1.6%
3 Month 3.2%
6 Month 4.9%
1 Year 9.6%
3 Year 7.2%
5 Year 6.9%
10 Year
15 Year
Since launch
Historical performance (Yearly) on absolute basis
YearReturns
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%
2014 8.6%
Fund Manager information for Kotak Banking and PSU Debt fund
NameSinceTenure
Deepak Agrawal1 Aug 0816.68 Yr.
Abhishek Bisen1 Nov 222.42 Yr.

Data below for Kotak Banking and PSU Debt fund as on 31 Mar 25

Asset Allocation
Asset ClassValue
Cash2.37%
Debt97.35%
Other0.28%
Debt Sector Allocation
SectorValue
Corporate54.02%
Government43.33%
Cash Equivalent2.37%
Credit Quality
RatingValue
AA2.51%
AAA97.49%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
7.18% Govt Stock 2033
Sovereign Bonds | -
9%₹501 Cr47,843,730
↓ -300,000
7.1% Govt Stock 2034
Sovereign Bonds | -
7%₹390 Cr37,336,520
↓ -2,450,000
Power Finance Corp Ltd. 0.076%
Debentures | -
6%₹336 Cr33,000
National Bank For Agriculture And Rural Development
Debentures | -
5%₹291 Cr28,700
↑ 7,500
Power Grid Corporation Of India Limited
Debentures | -
3%₹185 Cr20,002
7.81% Govt Stock 2033
Sovereign Bonds | -
3%₹181 Cr17,432,280
↓ -4,000,000
HDFC Bank Limited
Debentures | -
3%₹157 Cr1,500
Rural Electrification Corporation Limited
Debentures | -
3%₹156 Cr15,000
State Bank Of India
Debentures | -
2%₹143 Cr1,450
Small Industries Development Bank Of India
Debentures | -
2%₹138 Cr13,500

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.

Aditya Birla Sun Life Banking & PSU Debt Fund is a Debt - Banking & PSU Debt fund was launched on 9 May 08. It is a fund with Moderate risk and has given a CAGR/Annualized return of 7.9% since its launch.  Ranked 9 in Banking & PSU Debt category.  Return for 2024 was 7.9% , 2023 was 6.9% and 2022 was 3.7% .

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 (29 Apr 25) ₹364.164 ↑ 0.27   (0.08 %)
Net Assets (Cr) ₹8,588 on 31 Mar 25
Category Debt - Banking & PSU Debt
AMC Birla Sun Life Asset Management Co Ltd
Rating
Risk Moderate
Expense Ratio 0.7
Sharpe Ratio 1.17
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 9 Months
Modified Duration 3 Years 6 Months 7 Days

Growth of 10,000 investment over the years.

DateValue
31 Mar 20₹10,000
31 Mar 21₹10,816
31 Mar 22₹11,323
31 Mar 23₹11,812
31 Mar 24₹12,669
31 Mar 25₹13,705

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 29 Apr 25

DurationReturns
1 Month 1.5%
3 Month 3.2%
6 Month 4.9%
1 Year 9.5%
3 Year 7.1%
5 Year 6.8%
10 Year
15 Year
Since launch 7.9%
Historical performance (Yearly) on absolute basis
YearReturns
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%
2014 8.5%
Fund Manager information for Aditya Birla Sun Life Banking & PSU Debt Fund
NameSinceTenure
Kaustubh Gupta29 Sep 0915.51 Yr.
Harshil Suvarnkar22 Mar 214.03 Yr.

Data below for Aditya Birla Sun Life Banking & PSU Debt Fund as on 31 Mar 25

Asset Allocation
Asset ClassValue
Cash9.11%
Debt90.59%
Other0.31%
Debt Sector Allocation
SectorValue
Corporate70.38%
Government30.78%
Credit Quality
RatingValue
AAA100%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
Power Finance Corporation Ltd.
Debentures | -
3%₹301 Cr30,000
7.1% Govt Stock 2034
Sovereign Bonds | -
3%₹255 Cr24,904,000
↑ 500,000
Power Finance Corp Ltd. 7.6%
Debentures | -
3%₹251 Cr25,000
Small Industries Development Bank Of India
Debentures | -
3%₹245 Cr24,500
7.18% Govt Stock 2037
Sovereign Bonds | -
2%₹225 Cr21,946,000
State Bank Of India
Debentures | -
2%₹208 Cr210
REC Ltd. 7.71%
Debentures | -
2%₹196 Cr19,500
National Bank For Agriculture And Rural Development
Debentures | -
2%₹184 Cr18,500
7.18% Govt Stock 2033
Sovereign Bonds | -
2%₹182 Cr17,674,100
↓ -400,000
Rural Electrification Corporation Limited
Debentures | -
2%₹174 Cr17,500

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