ಟಾಪ್ 5 ಅತ್ಯುತ್ತಮ ಬ್ಯಾಂಕಿಂಗ್ ಮತ್ತು PSU ಸಾಲ ನಿಧಿಗಳು 2022

Updated on September 18, 2025 , 20901 views

ಬ್ಯಾಂಕಿಂಗ್ ಮತ್ತು ಪಿಎಸ್‌ಯು ಸಾಲ ನಿಧಿಗಳು ಸೆಕ್ಯುರಿಟೀಸ್ ಮತ್ತು ಎಕ್ಸ್‌ಚೇಂಜ್ ಬೋರ್ಡ್ ಆಫ್ ಇಂಡಿಯಾ ಪರಿಚಯಿಸಿದ ಹೊಸ ಉಪ-ವರ್ಗವಾಗಿದೆ (SEBI) ಸಾಲದಲ್ಲಿಮ್ಯೂಚುಯಲ್ ಫಂಡ್ ವರ್ಗ ಈ ನಿಧಿಗಳು ಪ್ರಧಾನವಾಗಿ ಸಾಲದಲ್ಲಿ ಹೂಡಿಕೆ ಮಾಡುತ್ತವೆ ಮತ್ತುಹಣದ ಮಾರುಕಟ್ಟೆ ಬ್ಯಾಂಕ್‌ಗಳು, ಸಾರ್ವಜನಿಕ ಹಣಕಾಸು ಸಂಸ್ಥೆಗಳು, ಸಾರ್ವಜನಿಕ ವಲಯದ ಉದ್ಯಮಗಳು, ಇತ್ಯಾದಿಗಳಂತಹ ಘಟಕಗಳಿಂದ ನೀಡಲಾದ ಸೆಕ್ಯುರಿಟಿಗಳನ್ನು ಒಳಗೊಂಡಿರುವ ಉಪಕರಣಗಳು. ಈ ಆಯ್ಕೆಯನ್ನು ಗರಿಷ್ಠ ಸಮತೋಲನವನ್ನು ನಿರ್ವಹಿಸಲು ಪರಿಗಣಿಸಲಾಗುತ್ತದೆದ್ರವ್ಯತೆ, ಸುರಕ್ಷತೆ ಮತ್ತು ಇಳುವರಿ.

ಬ್ಯಾಂಕಿಂಗ್ ಮತ್ತು PSUಸಾಲ ನಿಧಿ ಸುರಕ್ಷಿತ ಆದಾಯವನ್ನು ನೀಡುವ ಮತ್ತು ಅಪಾಯವನ್ನು ಕಡಿಮೆ ಮಾಡುವ ಗುರಿಯನ್ನು ಹೊಂದಿರುವ ಸಾಲ ನಿಧಿಗಳ ಅಲ್ಪಾವಧಿಯ ವರ್ಗಕ್ಕೆ ಸೇರಿದೆಹೂಡಿಕೆ ಬ್ಯಾಂಕುಗಳು ಮತ್ತು ಸಾರ್ವಜನಿಕ ವಲಯದ ಉದ್ಯಮಗಳು ಪ್ರಧಾನವಾಗಿ ನೀಡಲಾದ ಉತ್ತಮ-ಗುಣಮಟ್ಟದ ಸಾಲ ಸಾಧನಗಳಲ್ಲಿ. ಅಲ್ಪಾವಧಿಗೆ, ಆದರ್ಶಪ್ರಾಯವಾಗಿ 2-3 ವರ್ಷಗಳವರೆಗೆ ಹೂಡಿಕೆ ಮಾಡಲು ಉತ್ಸುಕರಾಗಿರುವ ಹೂಡಿಕೆದಾರರು ಈ ಯೋಜನೆಯಲ್ಲಿ ಹೂಡಿಕೆ ಮಾಡಬಹುದು.

2022 - 2023 ರ ಅತ್ಯುತ್ತಮ ಕಾರ್ಯಕ್ಷಮತೆಯ ಬ್ಯಾಂಕಿಂಗ್ ಮತ್ತು PSU ಸಾಲ ನಿಧಿಗಳು ಇಲ್ಲಿವೆ.

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ಟಾಪ್ ಪರ್ಫಾರ್ಮಿಂಗ್ ಬ್ಯಾಂಕಿಂಗ್ ಮತ್ತು PSU ಡೆಟ್ ಫಂಡ್‌ಗಳು

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	₹22.2572 ↑ 0.01	₹813	1.3	4.5	8.1	7.3	7.6	6.61%	1Y 8M 12D	1Y 11M 8D
HDFC Banking and PSU Debt Fund Growth	₹23.2547 ↓ -0.01	₹5,890	0.8	4.2	7.6	7.3	7.9	6.94%	3Y 5M 5D	4Y 11M 19D
ICICI Prudential Banking and PSU Debt Fund Growth	₹33.1141 ↑ 0.01	₹9,788	1	4.1	7.9	7.5	7.9	6.98%	3Y 2M 12D	6Y 11D
Aditya Birla Sun Life Banking & PSU Debt Fund Growth	₹370.586 ↓ -0.05	₹9,180	0.8	4.1	7.6	7.3	7.9	7.05%	3Y 9M 29D	5Y 3M 11D
Kotak Banking and PSU Debt fund Growth	₹66.0782 ↓ -0.01	₹5,795	0.7	4.1	7.5	7.4	8	7.02%	3Y 4M 10D	5Y 7M 17D
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 19 Sep 25

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	Aditya Birla Sun Life Banking & PSU Debt Fund	Kotak Banking and PSU Debt fund
Point 1	Bottom quartile AUM (₹813 Cr).	Lower mid AUM (₹5,890 Cr).	Highest AUM (₹9,788 Cr).	Upper mid AUM (₹9,180 Cr).	Bottom quartile AUM (₹5,795 Cr).
Point 2	Established history (11+ yrs).	Established history (11+ yrs).	Established history (15+ yrs).	Established history (17+ yrs).	Oldest track record among peers (26 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: Moderate.	Risk profile: Moderately Low.
Point 5	1Y return: 8.06% (top quartile).	1Y return: 7.56% (bottom quartile).	1Y return: 7.86% (upper mid).	1Y return: 7.57% (lower mid).	1Y return: 7.52% (bottom quartile).
Point 6	1M return: 0.50% (top quartile).	1M return: 0.33% (bottom quartile).	1M return: 0.39% (upper mid).	1M return: 0.37% (lower mid).	1M return: 0.35% (bottom quartile).
Point 7	Sharpe: 1.46 (top quartile).	Sharpe: 0.73 (bottom quartile).	Sharpe: 0.98 (upper mid).	Sharpe: 0.73 (bottom quartile).	Sharpe: 0.75 (lower mid).
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): 6.61% (bottom quartile).	Yield to maturity (debt): 6.94% (bottom quartile).	Yield to maturity (debt): 6.98% (lower mid).	Yield to maturity (debt): 7.05% (top quartile).	Yield to maturity (debt): 7.02% (upper mid).
Point 10	Modified duration: 1.70 yrs (top quartile).	Modified duration: 3.43 yrs (bottom quartile).	Modified duration: 3.20 yrs (upper mid).	Modified duration: 3.83 yrs (bottom quartile).	Modified duration: 3.36 yrs (lower mid).

UTI Banking & PSU Debt Fund

Bottom quartile AUM (₹813 Cr).
Established history (11+ yrs).
Top rated.
Risk profile: Moderate.
1Y return: 8.06% (top quartile).
1M return: 0.50% (top quartile).
Sharpe: 1.46 (top quartile).
Information ratio: 0.00 (top quartile).
Yield to maturity (debt): 6.61% (bottom quartile).
Modified duration: 1.70 yrs (top quartile).

HDFC Banking and PSU Debt Fund

Lower mid AUM (₹5,890 Cr).
Established history (11+ yrs).
Rating: 5★ (upper mid).
Risk profile: Moderately Low.
1Y return: 7.56% (bottom quartile).
1M return: 0.33% (bottom quartile).
Sharpe: 0.73 (bottom quartile).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 6.94% (bottom quartile).
Modified duration: 3.43 yrs (bottom quartile).

ICICI Prudential Banking and PSU Debt Fund

Highest AUM (₹9,788 Cr).
Established history (15+ yrs).
Rating: 4★ (lower mid).
Risk profile: Moderate.
1Y return: 7.86% (upper mid).
1M return: 0.39% (upper mid).
Sharpe: 0.98 (upper mid).
Information ratio: 0.00 (lower mid).
Yield to maturity (debt): 6.98% (lower mid).
Modified duration: 3.20 yrs (upper mid).

Aditya Birla Sun Life Banking & PSU Debt Fund

Upper mid AUM (₹9,180 Cr).
Established history (17+ yrs).
Rating: 4★ (bottom quartile).
Risk profile: Moderate.
1Y return: 7.57% (lower mid).
1M return: 0.37% (lower mid).
Sharpe: 0.73 (bottom quartile).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 7.05% (top quartile).
Modified duration: 3.83 yrs (bottom quartile).

Kotak Banking and PSU Debt fund

Bottom quartile AUM (₹5,795 Cr).
Oldest track record among peers (26 yrs).
Rating: 4★ (bottom quartile).
Risk profile: Moderately Low.
1Y return: 7.52% (bottom quartile).
1M return: 0.35% (bottom quartile).
Sharpe: 0.75 (lower mid).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 7.02% (upper mid).
Modified duration: 3.36 yrs (lower mid).

ಟಾಪ್ 5 ಅತ್ಯುತ್ತಮ ಪ್ರದರ್ಶನ ಬ್ಯಾಂಕಿಂಗ್ ಮತ್ತು PSU ಸಾಲ ನಿಧಿಗಳು

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 (₹813 Cr).
Established history (11+ yrs).
Top rated.
Risk profile: Moderate.
1Y return: 8.06% (top quartile).
1M return: 0.50% (top quartile).
Sharpe: 1.46 (top quartile).
Information ratio: 0.00 (top quartile).
Yield to maturity (debt): 6.61% (bottom quartile).
Modified duration: 1.70 yrs (top quartile).
Average maturity: 1.94 yrs (top quartile).
Exit load: NIL.

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

UTI Banking & PSU Debt Fund Growth
Launch Date	3 Feb 14
NAV (19 Sep 25)	₹22.2572 ↑ 0.01 (0.02 %)
Net Assets (Cr)	₹813 on 31 Aug 25
Category	Debt - Banking & PSU Debt
AMC	UTI Asset Management Company Ltd
Rating	☆☆☆☆☆
Risk	Moderate
Expense Ratio	0.54
Sharpe Ratio	1.46
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	500
Exit Load	NIL
Yield to Maturity	6.61%
Effective Maturity	1 Year 11 Months 8 Days
Modified Duration	1 Year 8 Months 12 Days

Growth of 10,000 investment over the years.

Date	Value

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 19 Sep 25

Duration	Returns
1 Month	0.5%
3 Month	1.3%
6 Month	4.5%
1 Year	8.1%
3 Year	7.3%
5 Year	7.1%
10 Year
15 Year
Since launch	7.1%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	7.6%
2023	6.7%
2022	10.3%
2021	2.8%
2020	8.9%
2019	-1%
2018	6.8%
2017	6.4%
2016	11.7%
2015	8.6%

Fund Manager information for UTI Banking & PSU Debt Fund

Name	Since	Tenure
Anurag Mittal	1 Dec 21	3.75 Yr.

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

Asset Allocation

Asset Class	Value
Cash	4.85%
Debt	94.83%
Other	0.33%

Debt Sector Allocation

Sector	Value
Corporate	54.99%
Government	39.84%
Cash Equivalent	4.85%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
7.38% Govt Stock 2027 Sovereign Bonds \| -	11%	₹93 Cr	900,000,000
Axis Bank Limited Debentures \| -	7%	₹56 Cr	550
Export Import Bank Of India Debentures \| -	6%	₹51 Cr	5,000
Small Industries Development Bank Of India Debentures \| -	6%	₹51 Cr	5,000
Power Finance Corporation Limited Debentures \| -	5%	₹41 Cr	400
Rural Electrification Corporation Limited Debentures \| -	4%	₹36 Cr	3,500
National Housing Bank Debentures \| -	4%	₹36 Cr	3,500
HDFC Bank Limited Debentures \| -	4%	₹35 Cr	350
Indian Railway Finance Corporation Limited Debentures \| -	4%	₹31 Cr	300
National Bank For Agriculture And Rural Development Debentures \| -	4%	₹31 Cr	3,000

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 (₹5,890 Cr).
Established history (11+ yrs).
Rating: 5★ (upper mid).
Risk profile: Moderately Low.
1Y return: 7.56% (bottom quartile).
1M return: 0.33% (bottom quartile).
Sharpe: 0.73 (bottom quartile).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 6.94% (bottom quartile).
Modified duration: 3.43 yrs (bottom quartile).
Average maturity: 4.97 yrs (upper mid).
Exit load: NIL.

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 (19 Sep 25)	₹23.2547 ↓ -0.01 (-0.03 %)
Net Assets (Cr)	₹5,890 on 31 Aug 25
Category	Debt - Banking & PSU Debt
AMC	HDFC Asset Management Company Limited
Rating	☆☆☆☆☆
Risk	Moderately Low
Expense Ratio	0.78
Sharpe Ratio	0.73
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	300
Exit Load	NIL
Yield to Maturity	6.94%
Effective Maturity	4 Years 11 Months 19 Days
Modified Duration	3 Years 5 Months 5 Days

Growth of 10,000 investment over the years.

Date	Value

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 19 Sep 25

Duration	Returns
1 Month	0.3%
3 Month	0.8%
6 Month	4.2%
1 Year	7.6%
3 Year	7.3%
5 Year	6%
10 Year
15 Year
Since launch	7.6%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	7.9%
2023	6.8%
2022	3.3%
2021	3.7%
2020	10.6%
2019	10.2%
2018	5.9%
2017	6.3%
2016	10.8%
2015	9.8%

Fund Manager information for HDFC Banking and PSU Debt Fund

Name	Since	Tenure
Anil Bamboli	26 Mar 14	11.44 Yr.
Dhruv Muchhal	22 Jun 23	2.2 Yr.

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

Asset Allocation

Asset Class	Value
Cash	4.32%
Debt	95.39%
Other	0.29%

Debt Sector Allocation

Sector	Value
Corporate	53.62%
Government	41.77%
Cash Equivalent	4.32%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Indian Railway Finance Corporation Limited Debentures \| -	5%	₹281 Cr	27,500
Small Industries Development Bank Of India Debentures \| -	4%	₹226 Cr	22,500
Indian Railway Finance Corporation Limited Debentures \| -	3%	₹205 Cr	20,000
7.18% Govt Stock 2033 Sovereign Bonds \| -	3%	₹197 Cr	19,000,000
Bajaj Housing Finance Limited Debentures \| -	3%	₹153 Cr	15,000
Rec Limited Debentures \| -	3%	₹153 Cr	1,500
Housing And Urban Development Corporation Limited Debentures \| -	3%	₹152 Cr	15,000
7.26% Govt Stock 2033 Sovereign Bonds \| -	3%	₹151 Cr	14,500,000
State Bank Of India Debentures \| -	2%	₹146 Cr	145
Housing And Urban Development Corporation Limited Debentures \| -	2%	₹132 Cr	1,250

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 (₹9,788 Cr).
Established history (15+ yrs).
Rating: 4★ (lower mid).
Risk profile: Moderate.
1Y return: 7.86% (upper mid).
1M return: 0.39% (upper mid).
Sharpe: 0.98 (upper mid).
Information ratio: 0.00 (lower mid).
Yield to maturity (debt): 6.98% (lower mid).
Modified duration: 3.20 yrs (upper mid).
Average maturity: 6.03 yrs (bottom quartile).
Exit load: NIL.

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 (19 Sep 25)	₹33.1141 ↑ 0.01 (0.02 %)
Net Assets (Cr)	₹9,788 on 15 Sep 25
Category	Debt - Banking & PSU Debt
AMC	ICICI Prudential Asset Management Company Limited
Rating	☆☆☆☆
Risk	Moderate
Expense Ratio	0.74
Sharpe Ratio	0.98
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	100
Exit Load	NIL
Yield to Maturity	6.98%
Effective Maturity	6 Years 11 Days
Modified Duration	3 Years 2 Months 12 Days

Growth of 10,000 investment over the years.

Date	Value

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 19 Sep 25

Duration	Returns
1 Month	0.4%
3 Month	1%
6 Month	4.1%
1 Year	7.9%
3 Year	7.5%
5 Year	6.4%
10 Year
15 Year
Since launch	7.9%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	7.9%
2023	7.3%
2022	4.3%
2021	4.2%
2020	9.3%
2019	10.1%
2018	5.7%
2017	5.6%
2016	12.6%
2015	8.6%

Fund Manager information for ICICI Prudential Banking and PSU Debt Fund

Name	Since	Tenure
Manish Banthia	13 Sep 24	0.97 Yr.
Rohit Lakhotia	12 Jun 23	2.22 Yr.

Data below for ICICI Prudential Banking and PSU Debt Fund as on 15 Sep 25

Asset Allocation

Asset Class	Value
Cash	6.49%
Debt	93.22%
Other	0.28%

Debt Sector Allocation

Sector	Value
Corporate	61.74%
Government	31.95%
Cash Equivalent	6.03%

Credit Quality

Rating	Value
AAA	99.19%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
LIC Housing Finance Ltd Debentures \| -	4%	₹457 Cr	45,000
6.79% Govt Stock 2034 Sovereign Bonds \| -	4%	₹446 Cr	43,686,860 ↑ 19,196,000
National Bank For Agriculture And Rural Development Debentures \| -	4%	₹434 Cr	43,000 ↓ -5,000
HDFC Bank Limited Debentures \| -	4%	₹395 Cr	38,300
7.34% Govt Stock 2064 Sovereign Bonds \| -	4%	₹370 Cr	36,467,800
State Bank Of India Debentures \| -	3%	₹340 Cr	3,400
7.81% Govt Stock 2033 Sovereign Bonds \| -	2%	₹237 Cr	22,847,830
Mahanagar Telephone Nigam Limited Debentures \| -	2%	₹224 Cr	22,500
Small Industries Development Bank Of India Debentures \| -	2%	₹204 Cr	20,000
National Bank For Agriculture And Rural Development Debentures \| -	2%	₹203 Cr	20,000 ↓ -5,000

4. 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 (₹9,180 Cr).
Established history (17+ yrs).
Rating: 4★ (bottom quartile).
Risk profile: Moderate.
1Y return: 7.57% (lower mid).
1M return: 0.37% (lower mid).
Sharpe: 0.73 (bottom quartile).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 7.05% (top quartile).
Modified duration: 3.83 yrs (bottom quartile).
Average maturity: 5.28 yrs (lower mid).
Exit load: NIL.

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 (19 Sep 25)	₹370.586 ↓ -0.05 (-0.01 %)
Net Assets (Cr)	₹9,180 on 31 Aug 25
Category	Debt - Banking & PSU Debt
AMC	Birla Sun Life Asset Management Co Ltd
Rating	☆☆☆☆
Risk	Moderate
Expense Ratio	0.73
Sharpe Ratio	0.73
Information Ratio	0
Alpha Ratio	0
Min Investment	1,000
Min SIP Investment	1,000
Exit Load	NIL
Yield to Maturity	7.05%
Effective Maturity	5 Years 3 Months 11 Days
Modified Duration	3 Years 9 Months 29 Days

Growth of 10,000 investment over the years.

Date	Value
31 Aug 20	₹10,000
31 Aug 21	₹10,584
31 Aug 22	₹10,897
31 Aug 23	₹11,591
31 Aug 24	₹12,460
31 Aug 25	₹13,430

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 19 Sep 25

Duration	Returns
1 Month	0.4%
3 Month	0.8%
6 Month	4.1%
1 Year	7.6%
3 Year	7.3%
5 Year	6.1%
10 Year
15 Year
Since launch	7.8%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	7.9%
2023	6.9%
2022	3.7%
2021	3.6%
2020	10.9%
2019	9.9%
2018	6.6%
2017	5.6%
2016	12.3%
2015	8.5%

Fund Manager information for Aditya Birla Sun Life Banking & PSU Debt Fund

Name	Since	Tenure
Kaustubh Gupta	29 Sep 09	15.93 Yr.
Harshil Suvarnkar	22 Mar 21	4.45 Yr.

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

Asset Allocation

Asset Class	Value
Cash	5.53%
Debt	94.18%
Other	0.29%

Debt Sector Allocation

Sector	Value
Corporate	58.56%
Government	37.04%
Cash Equivalent	4.11%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Power Grid Corporation Of India Limited Debentures \| -	4%	₹369 Cr	37,000
Power Finance Corporation Limited Debentures \| -	3%	₹303 Cr	30,000
Power Finance Corporation Limited Debentures \| -	3%	₹256 Cr	25,000
Small Industries Development Bank Of India Debentures \| -	3%	₹246 Cr	24,500
National Housing Bank Debentures \| -	2%	₹224 Cr	22,500
State Bank Of India Debentures \| -	2%	₹213 Cr	210
7.1% Govt Stock 2034 Sovereign Bonds \| -	2%	₹209 Cr	20,124,000 ↓ -2,000,000
National Bank For Agriculture And Rural Development Debentures \| -	2%	₹203 Cr	20,000
Indian Railway Finance Corporation Limited Debentures \| -	2%	₹198 Cr	20,000
HDFC Bank Limited Debentures \| -	2%	₹188 Cr	1,800

5. 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 (₹5,795 Cr).
Oldest track record among peers (26 yrs).
Rating: 4★ (bottom quartile).
Risk profile: Moderately Low.
1Y return: 7.52% (bottom quartile).
1M return: 0.35% (bottom quartile).
Sharpe: 0.75 (lower mid).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 7.02% (upper mid).
Modified duration: 3.36 yrs (lower mid).
Average maturity: 5.63 yrs (bottom quartile).
Exit load: NIL.

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 (19 Sep 25)	₹66.0782 ↓ -0.01 (-0.01 %)
Net Assets (Cr)	₹5,795 on 31 Aug 25
Category	Debt - Banking & PSU Debt
AMC	Kotak Mahindra Asset Management Co Ltd
Rating	☆☆☆☆
Risk	Moderately Low
Expense Ratio	0.76
Sharpe Ratio	0.75
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	1,000
Exit Load	NIL
Yield to Maturity	7.02%
Effective Maturity	5 Years 7 Months 17 Days
Modified Duration	3 Years 4 Months 10 Days

Growth of 10,000 investment over the years.

Date	Value
31 Aug 20	₹10,000
31 Aug 21	₹10,564
31 Aug 22	₹10,890
31 Aug 23	₹11,597
31 Aug 24	₹12,490
31 Aug 25	₹13,464

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 19 Sep 25

Duration	Returns
1 Month	0.4%
3 Month	0.7%
6 Month	4.1%
1 Year	7.5%
3 Year	7.4%
5 Year	6.1%
10 Year
15 Year
Since launch

Historical performance (Yearly) on absolute basis

Year	Returns
2024	8%
2023	6.8%
2022	3.6%
2021	3.9%
2020	10.5%
2019	10.8%
2018	6.7%
2017	6.2%
2016	10%
2015	8.6%

Fund Manager information for Kotak Banking and PSU Debt fund

Name	Since	Tenure
Deepak Agrawal	1 Aug 08	17.1 Yr.
Dharmesh Thakar	1 Jun 25	0.25 Yr.

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

Asset Allocation

Asset Class	Value
Cash	2.88%
Debt	96.83%
Other	0.3%

Debt Sector Allocation

Sector	Value
Corporate	57.89%
Government	38.93%
Cash Equivalent	2.88%

Credit Quality

Rating	Value
AA	2.6%
AAA	97.4%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
7.18% Govt Stock 2033 Sovereign Bonds \| -	7%	₹409 Cr	39,343,730
Power Finance Corporation Limited Debentures \| -	6%	₹338 Cr	33,000
National Housing Bank Debentures \| -	4%	₹224 Cr	22,500
Indian Oil Corporation Limited Debentures \| -	3%	₹195 Cr	19,000
Power Grid Corporation Of India Limited Debentures \| -	3%	₹184 Cr	20,002
National Bank For Agriculture And Rural Development Debentures \| -	3%	₹163 Cr	16,000 ↑ 5,000
HDFC Bank Limited Debentures \| -	3%	₹157 Cr	1,500
Rec Limited Debentures \| -	3%	₹154 Cr	15,000
State Bank Of India Debentures \| -	2%	₹142 Cr	1,450
Small Industries Development Bank Of India Debentures \| -	2%	₹139 Cr	13,500

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