शीर्ष 5 सर्वश्रेष्ठ बैंकिंग और पीएसयू डेट फंड 2022

Updated on September 27, 2026 , 21835 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	₹23.5994 ↑ 0.01	₹1,486	1.5	3.5	5.8	7.2	7.8	6.98%	7M 2D	7M 13D
HDFC Banking and PSU Debt Fund Growth	₹24.3381 ↑ 0.02	₹5,186	0.2	2.8	4.3	6.6	7.5	7.56%	2Y 10M 20D	3Y 10M 13D
ICICI Prudential Banking and PSU Debt Fund Growth	₹34.8651 ↑ 0.02	₹8,667	0.4	3.1	4.9	6.8	7.6	7.63%	2Y 10M 10D	4Y 11M 16D
Kotak Banking and PSU Debt fund Growth	₹69.5367 ↑ 0.05	₹4,937	0.3	2.8	4.9	6.8	7.7	7.37%	3Y 3M 7D	4Y 10M 28D
Aditya Birla Sun Life Banking & PSU Debt Fund Growth	₹387.584 ↑ 0.26	₹8,682	0.3	2.7	4.2	6.6	7.3	7.28%	2Y 11M 1D	4Y 2M 19D
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 30 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 (₹1,486 Cr).	Lower mid AUM (₹5,186 Cr).	Upper mid AUM (₹8,667 Cr).	Bottom quartile AUM (₹4,937 Cr).	Highest AUM (₹8,682 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: 5.77% (top quartile).	1Y return: 4.33% (bottom quartile).	1Y return: 4.95% (upper mid).	1Y return: 4.90% (lower mid).	1Y return: 4.24% (bottom quartile).
Point 6	1M return: 0.50% (top quartile).	1M return: -0.10% (bottom quartile).	1M return: 0.04% (lower mid).	1M return: 0.10% (upper mid).	1M return: -0.01% (bottom quartile).
Point 7	Sharpe: 0.31 (top quartile).	Sharpe: -0.22 (bottom quartile).	Sharpe: -0.01 (upper mid).	Sharpe: -0.04 (lower mid).	Sharpe: -0.30 (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): 6.98% (bottom quartile).	Yield to maturity (debt): 7.56% (upper mid).	Yield to maturity (debt): 7.63% (top quartile).	Yield to maturity (debt): 7.37% (lower mid).	Yield to maturity (debt): 7.28% (bottom quartile).
Point 10	Modified duration: 0.59 yrs (top quartile).	Modified duration: 2.89 yrs (lower mid).	Modified duration: 2.86 yrs (upper mid).	Modified duration: 3.27 yrs (bottom quartile).	Modified duration: 2.92 yrs (bottom quartile).

UTI Banking & PSU Debt Fund

Bottom quartile AUM (₹1,486 Cr).
Established history (12+ yrs).
Top rated.
Risk profile: Moderate.
1Y return: 5.77% (top quartile).
1M return: 0.50% (top quartile).
Sharpe: 0.31 (top quartile).
Information ratio: 0.00 (top quartile).
Yield to maturity (debt): 6.98% (bottom quartile).
Modified duration: 0.59 yrs (top quartile).

HDFC Banking and PSU Debt Fund

Lower mid AUM (₹5,186 Cr).
Established history (12+ yrs).
Rating: 5★ (upper mid).
Risk profile: Moderately Low.
1Y return: 4.33% (bottom quartile).
1M return: -0.10% (bottom quartile).
Sharpe: -0.22 (bottom quartile).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 7.56% (upper mid).
Modified duration: 2.89 yrs (lower mid).

ICICI Prudential Banking and PSU Debt Fund

Upper mid AUM (₹8,667 Cr).
Established history (16+ yrs).
Rating: 4★ (lower mid).
Risk profile: Moderate.
1Y return: 4.95% (upper mid).
1M return: 0.04% (lower mid).
Sharpe: -0.01 (upper mid).
Information ratio: 0.00 (lower mid).
Yield to maturity (debt): 7.63% (top quartile).
Modified duration: 2.86 yrs (upper mid).

Kotak Banking and PSU Debt fund

Bottom quartile AUM (₹4,937 Cr).
Oldest track record among peers (27 yrs).
Rating: 4★ (bottom quartile).
Risk profile: Moderately Low.
1Y return: 4.90% (lower mid).
1M return: 0.10% (upper mid).
Sharpe: -0.04 (lower mid).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 7.37% (lower mid).
Modified duration: 3.27 yrs (bottom quartile).

Aditya Birla Sun Life Banking & PSU Debt Fund

Highest AUM (₹8,682 Cr).
Established history (18+ yrs).
Rating: 4★ (bottom quartile).
Risk profile: Moderate.
1Y return: 4.24% (bottom quartile).
1M return: -0.01% (bottom quartile).
Sharpe: -0.30 (bottom quartile).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 7.28% (bottom quartile).
Modified duration: 2.92 yrs (bottom quartile).

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 (₹1,486 Cr).
Established history (12+ yrs).
Top rated.
Risk profile: Moderate.
1Y return: 5.77% (top quartile).
1M return: 0.50% (top quartile).
Sharpe: 0.31 (top quartile).
Information ratio: 0.00 (top quartile).
Yield to maturity (debt): 6.98% (bottom quartile).
Modified duration: 0.59 yrs (top quartile).
Average maturity: 0.62 yrs (top quartile).
Exit load: NIL.
Higher exposure to Corporate (bond sector) vs peer median.
Conservative stance with elevated cash (~50%).
High-quality debt (AAA/AA ~100%).
Largest holding ICICI Bank Ltd. (~5.0%).

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

UTI Banking & PSU Debt Fund Growth
Launch Date	3 Feb 14
NAV (30 Sep 26)	₹23.5994 ↑ 0.01 (0.04 %)
Net Assets (Cr)	₹1,486 on 15 Aug 26
Category	Debt - Banking & PSU Debt
AMC	UTI Asset Management Company Ltd
Rating	☆☆☆☆☆
Risk	Moderate
Expense Ratio	0.54
Sharpe Ratio	0.31
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	500
Exit Load	NIL
Yield to Maturity	6.98%
Effective Maturity	7 Months 13 Days
Modified Duration	7 Months 2 Days

Growth of 10,000 investment over the years.

Date	Value
30 Sep 21	₹10,000
30 Sep 22	₹10,915
30 Sep 23	₹11,648
30 Sep 24	₹12,558
30 Sep 25	₹13,557

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 30 Sep 26

Duration	Returns
1 Month	0.5%
3 Month	1.5%
6 Month	3.5%
1 Year	5.8%
3 Year	7.2%
5 Year	7.5%
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 15 Aug 26

Asset Allocation

Asset Class	Value
Cash	50.46%
Debt	49.28%
Other	0.26%

Debt Sector Allocation

Sector	Value
Corporate	66.9%
Government	19.39%
Cash Equivalent	13.45%

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 (₹5,186 Cr).
Established history (12+ yrs).
Rating: 5★ (upper mid).
Risk profile: Moderately Low.
1Y return: 4.33% (bottom quartile).
1M return: -0.10% (bottom quartile).
Sharpe: -0.22 (bottom quartile).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 7.56% (upper mid).
Modified duration: 2.89 yrs (lower mid).
Average maturity: 3.87 yrs (upper mid).
Exit load: NIL.
Top bond sector: Corporate.
Debt-heavy allocation (~92%).
High-quality debt (AAA/AA ~100%).
Largest holding Indian Railway Finance Corporation Limited (~5.4%).

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 (30 Sep 26)	₹24.3381 ↑ 0.02 (0.07 %)
Net Assets (Cr)	₹5,186 on 31 Aug 26
Category	Debt - Banking & PSU Debt
AMC	HDFC Asset Management Company Limited
Rating	☆☆☆☆☆
Risk	Moderately Low
Expense Ratio	0.77
Sharpe Ratio	-0.22
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	300
Exit Load	NIL
Yield to Maturity	7.56%
Effective Maturity	3 Years 10 Months 13 Days
Modified Duration	2 Years 10 Months 20 Days

Growth of 10,000 investment over the years.

Date	Value
30 Sep 21	₹10,000
30 Sep 22	₹10,251
30 Sep 23	₹10,938
30 Sep 24	₹11,801
30 Sep 25	₹12,690

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 30 Sep 26

Duration	Returns
1 Month	-0.1%
3 Month	0.2%
6 Month	2.8%
1 Year	4.3%
3 Year	6.6%
5 Year	5.8%
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 Aug 26

Asset Allocation

Asset Class	Value
Cash	7.93%
Debt	91.71%
Other	0.36%

Debt Sector Allocation

Sector	Value
Corporate	61.06%
Government	34.49%
Cash Equivalent	4.09%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Indian Railway Finance Corporation Limited Debentures \| -	5%	₹275 Cr	27,500
Bajaj Housing Finance Limited Debentures \| -	3%	₹150 Cr	15,000
Indian Railway Finance Corporation Limited Debentures \| -	3%	₹150 Cr	15,000
Rec Limited Debentures \| -	3%	₹150 Cr	1,500
Housing And Urban Development Corporation Limited Debentures \| -	3%	₹128 Cr	1,250
National Bank For Agriculture And Rural Development Debentures \| -	2%	₹125 Cr	12,500
Power Finance Corporation Limited Debentures \| -	2%	₹124 Cr	12,500
Punjab National Bank Debentures \| -	2%	₹121 Cr	12,500
Small Industries Development Bank Of India Debentures \| -	2%	₹100 Cr	10,000
Bajaj Housing Finance Limited Debentures \| -	2%	₹100 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

Upper mid AUM (₹8,667 Cr).
Established history (16+ yrs).
Rating: 4★ (lower mid).
Risk profile: Moderate.
1Y return: 4.95% (upper mid).
1M return: 0.04% (lower mid).
Sharpe: -0.01 (upper mid).
Information ratio: 0.00 (lower mid).
Yield to maturity (debt): 7.63% (top quartile).
Modified duration: 2.86 yrs (upper mid).
Average maturity: 4.96 yrs (bottom quartile).
Exit load: NIL.
Top bond sector: Corporate.
Debt-heavy allocation (~95%).
High-quality debt (AAA/AA ~100%).
Largest holding National Bank For Agriculture And Rural Development (~4.4%).

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 (30 Sep 26)	₹34.8651 ↑ 0.02 (0.06 %)
Net Assets (Cr)	₹8,667 on 31 Aug 26
Category	Debt - Banking & PSU Debt
AMC	ICICI Prudential Asset Management Company Limited
Rating	☆☆☆☆
Risk	Moderate
Expense Ratio	0.74
Sharpe Ratio	-0.01
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	100
Exit Load	NIL
Yield to Maturity	7.63%
Effective Maturity	4 Years 11 Months 16 Days
Modified Duration	2 Years 10 Months 10 Days

Growth of 10,000 investment over the years.

Date	Value
30 Sep 21	₹10,000
30 Sep 22	₹10,338
30 Sep 23	₹11,076
30 Sep 24	₹11,915
30 Sep 25	₹12,852

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 30 Sep 26

Duration	Returns
1 Month	0%
3 Month	0.4%
6 Month	3.1%
1 Year	4.9%
3 Year	6.8%
5 Year	6.2%
10 Year
15 Year
Since launch	7.7%

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 Aug 26

Asset Allocation

Asset Class	Value
Cash	5.05%
Debt	94.59%
Other	0.36%

Debt Sector Allocation

Sector	Value
Corporate	63.96%
Government	32.57%
Cash Equivalent	3.1%

Credit Quality

Rating	Value
AA	0.97%
AAA	99.03%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
National Bank For Agriculture And Rural Development Debentures \| -	4%	₹374 Cr	37,500
LIC Housing Finance Ltd Debentures \| -	4%	₹325 Cr	32,500
6.9% Govt Stock 2065 Sovereign Bonds \| -	3%	₹286 Cr	31,879,000
Rec Limited Debentures \| -	3%	₹248 Cr	25,000
Power Finance Corporation Limited Debentures \| -	3%	₹248 Cr	25,000
National Bank For Agriculture And Rural Development Debentures \| -	3%	₹225 Cr	22,500 ↓ -2,500
SIDDHIVINAYAK SECURITISATION TRUST Unlisted bonds \| -	2%	₹198 Cr	200
Power Finance Corporation Limited Debentures \| -	2%	₹198 Cr	20,000
HDFC Bank Limited Debentures \| -	2%	₹180 Cr	182
Mahanagar Telephone Nigam Limited Debentures \| -	2%	₹171 Cr	17,500

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 (₹4,937 Cr).
Oldest track record among peers (27 yrs).
Rating: 4★ (bottom quartile).
Risk profile: Moderately Low.
1Y return: 4.90% (lower mid).
1M return: 0.10% (upper mid).
Sharpe: -0.04 (lower mid).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 7.37% (lower mid).
Modified duration: 3.27 yrs (bottom quartile).
Average maturity: 4.91 yrs (bottom quartile).
Exit load: NIL.
Top bond sector: Corporate.
Debt-heavy allocation (~82%).
High-quality debt (AAA/AA ~100%).
Largest holding Power Finance Corporation Limited (~6.9%).

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 (30 Sep 26)	₹69.5367 ↑ 0.05 (0.07 %)
Net Assets (Cr)	₹4,937 on 31 Aug 26
Category	Debt - Banking & PSU Debt
AMC	Kotak Mahindra Asset Management Co Ltd
Rating	☆☆☆☆
Risk	Moderately Low
Expense Ratio	0.76
Sharpe Ratio	-0.05
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	1,000
Exit Load	NIL
Yield to Maturity	7.37%
Effective Maturity	4 Years 10 Months 28 Days
Modified Duration	3 Years 3 Months 7 Days

Growth of 10,000 investment over the years.

Date	Value
30 Sep 21	₹10,000
30 Sep 22	₹10,269
30 Sep 23	₹10,954
30 Sep 24	₹11,856
30 Sep 25	₹12,735

Kotak 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 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 30 Sep 26

Duration	Returns
1 Month	0.1%
3 Month	0.3%
6 Month	2.8%
1 Year	4.9%
3 Year	6.8%
5 Year	6%
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	18.1 Yr.
Dharmesh Thakkar	1 Jun 25	1.25 Yr.

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

Asset Allocation

Asset Class	Value
Cash	17.67%
Debt	81.94%
Other	0.39%

Debt Sector Allocation

Sector	Value
Corporate	57.01%
Government	32.57%
Cash Equivalent	10.04%

Credit Quality

Rating	Value
AA	3.17%
AAA	96.83%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Power Finance Corporation Limited Debentures \| -	7%	₹329 Cr	33,000
National Bank For Financing Infrastructure And Development Debentures \| -	4%	₹198 Cr	20,000
Power Grid Corporation Of India Limited Debentures \| -	3%	₹160 Cr	20,004
HDFC Bank Limited Debentures \| -	3%	₹152 Cr	1,500
State Bank Of India Debentures \| -	3%	₹141 Cr	1,450
Indian Oil Corporation Limited Debentures \| -	3%	₹140 Cr	14,000
Rural Electrification Corporation Limited Debentures \| -	3%	₹130 Cr	13,000
Small Industries Development Bank Of India Debentures \| -	3%	₹125 Cr	12,500
National Bank For Agriculture And Rural Development Debentures \| -	3%	₹125 Cr	12,500
Small Industries Development Bank Of India Debentures \| -	3%	₹124 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

Highest AUM (₹8,682 Cr).
Established history (18+ yrs).
Rating: 4★ (bottom quartile).
Risk profile: Moderate.
1Y return: 4.24% (bottom quartile).
1M return: -0.01% (bottom quartile).
Sharpe: -0.30 (bottom quartile).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 7.28% (bottom quartile).
Modified duration: 2.92 yrs (bottom quartile).
Average maturity: 4.22 yrs (lower mid).
Exit load: NIL.
Top sector: Financial Services.
Top bond sector: Corporate.
Debt-heavy allocation (~78%).
High-quality debt (AAA/AA ~100%).
Largest holding National Bank For Agriculture And Rural Development (~6.6%).

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 (30 Sep 26)	₹387.584 ↑ 0.26 (0.07 %)
Net Assets (Cr)	₹8,682 on 31 Aug 26
Category	Debt - Banking & PSU Debt
AMC	Birla Sun Life Asset Management Co Ltd
Rating	☆☆☆☆
Risk	Moderate
Expense Ratio	0.73
Sharpe Ratio	-0.3
Information Ratio	0
Alpha Ratio	0
Min Investment	1,000
Min SIP Investment	1,000
Exit Load	NIL
Yield to Maturity	7.28%
Effective Maturity	4 Years 2 Months 19 Days
Modified Duration	2 Years 11 Months 1 Day

Growth of 10,000 investment over the years.

Date	Value
30 Sep 21	₹10,000
30 Sep 22	₹10,275
30 Sep 23	₹10,966
30 Sep 24	₹11,845
30 Sep 25	₹12,735

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 30 Sep 26

Duration	Returns
1 Month	0%
3 Month	0.3%
6 Month	2.7%
1 Year	4.2%
3 Year	6.6%
5 Year	5.8%
10 Year
15 Year
Since launch	7.6%

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 Aug 26

Asset Allocation

Asset Class	Value
Cash	22.5%
Debt	77.5%

Debt Sector Allocation

Sector	Value
Corporate	60.27%
Government	31.42%
Cash Equivalent	8.31%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
National Bank For Agriculture And Rural Development Debentures \| -	7%	₹568 Cr	57,000 ↑ 11,500
Indian Railway Finance Corporation Limited Debentures \| -	2%	₹193 Cr	20,000
Rec Limited Debentures \| -	2%	₹190 Cr	19,000
HDFC Bank Limited Debentures \| -	2%	₹180 Cr	1,800
Rec Limited Debentures \| -	2%	₹173 Cr	17,500 ↑ 17,500
Indian Railway Finance Corporation Limited Debentures \| -	2%	₹158 Cr	16,250
State Bank Of India Debentures \| -	2%	₹157 Cr	160
Small Industries Development Bank Of India Debentures \| -	2%	₹150 Cr	15,000 ↑ 15,000
Power Finance Corporation Limited Debentures \| -	2%	₹150 Cr	15,000
SHIVSHAKTI SECURITISATION TRUST Unlisted bonds \| -	2%	₹141 Cr	145

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