ಟಾಪ್ 5 ಅತ್ಯುತ್ತಮ ಬ್ಯಾಂಕಿಂಗ್ ಮತ್ತು PSU ಸಾಲ ನಿಧಿಗಳು 2022

Updated on February 16, 2026 , 21145 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	₹22.7506 ↓ 0.00	₹1,015	1.1	2.7	7.5	7.4	7.8	6.67%	1Y 3M 11D	1Y 5M 8D
HDFC Banking and PSU Debt Fund Growth	₹23.7765 ↓ 0.00	₹5,719	0.8	2.5	7	7.3	7.5	6.99%	3Y 2M 19D	4Y 6M 18D
Kotak Banking and PSU Debt fund Growth	₹67.8007 ↑ 0.00	₹5,608	0.9	2.9	7.3	7.5	7.7	6.93%	3Y 1M 17D	4Y 9M 4D
ICICI Prudential Banking and PSU Debt Fund Growth	₹33.9136 ↓ -0.01	₹9,728	1	2.8	7.1	7.5	7.6	6.93%	2Y 7M 6D	5Y
Aditya Birla Sun Life Banking & PSU Debt Fund Growth	₹378.315 ↓ -0.03	₹9,064	0.7	2.4	6.8	7.3	7.3	7.02%	3Y 6M 29D	4Y 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

Commentary	UTI Banking & PSU Debt Fund	HDFC Banking and PSU Debt Fund	Kotak Banking and PSU Debt fund	ICICI Prudential Banking and PSU Debt Fund	Aditya Birla Sun Life Banking & PSU Debt Fund
Point 1	Bottom quartile AUM (₹1,015 Cr).	Lower mid AUM (₹5,719 Cr).	Bottom quartile AUM (₹5,608 Cr).	Highest AUM (₹9,728 Cr).	Upper mid AUM (₹9,064 Cr).
Point 2	Established history (12+ yrs).	Established history (11+ yrs).	Oldest track record among peers (27 yrs).	Established history (16+ yrs).	Established history (17+ 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: Moderately Low.	Risk profile: Moderate.	Risk profile: Moderate.
Point 5	1Y 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 6	1M 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 7	Sharpe: 1.48 (top quartile).	Sharpe: 0.74 (bottom quartile).	Sharpe: 0.86 (lower mid).	Sharpe: 1.11 (upper mid).	Sharpe: 0.67 (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): 6.67% (bottom quartile).	Yield to maturity (debt): 6.99% (upper mid).	Yield to maturity (debt): 6.93% (lower mid).	Yield to maturity (debt): 6.93% (bottom quartile).	Yield to maturity (debt): 7.02% (top quartile).
Point 10	Modified duration: 1.28 yrs (top quartile).	Modified duration: 3.22 yrs (bottom quartile).	Modified duration: 3.13 yrs (lower mid).	Modified duration: 2.60 yrs (upper mid).	Modified duration: 3.58 yrs (bottom quartile).

UTI Banking & PSU Debt Fund

Bottom quartile AUM (₹1,015 Cr).
Established history (12+ yrs).
Top rated.
Risk profile: Moderate.
1Y return: 7.47% (top quartile).
1M return: 0.68% (bottom quartile).
Sharpe: 1.48 (top quartile).
Information ratio: 0.00 (top quartile).
Yield to maturity (debt): 6.67% (bottom quartile).
Modified duration: 1.28 yrs (top quartile).

HDFC Banking and PSU Debt Fund

Lower mid AUM (₹5,719 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: 0.74 (bottom quartile).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 6.99% (upper mid).
Modified duration: 3.22 yrs (bottom quartile).

Kotak Banking and PSU Debt fund

Bottom quartile AUM (₹5,608 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: 0.86 (lower mid).
Information ratio: 0.00 (lower mid).
Yield to maturity (debt): 6.93% (lower mid).
Modified duration: 3.13 yrs (lower mid).

ICICI Prudential Banking and PSU Debt Fund

Highest AUM (₹9,728 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: 1.11 (upper mid).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 6.93% (bottom quartile).
Modified duration: 2.60 yrs (upper mid).

Aditya Birla Sun Life Banking & PSU Debt Fund

Upper mid AUM (₹9,064 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: 0.67 (bottom quartile).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 7.02% (top quartile).
Modified duration: 3.58 yrs (bottom quartile).

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 (₹1,015 Cr).
Established history (12+ yrs).
Top rated.
Risk profile: Moderate.
1Y return: 7.47% (top quartile).
1M return: 0.68% (bottom quartile).
Sharpe: 1.48 (top quartile).
Information ratio: 0.00 (top quartile).
Yield to maturity (debt): 6.67% (bottom quartile).
Modified duration: 1.28 yrs (top quartile).
Average maturity: 1.44 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)	₹1,015 on 31 Dec 25
Category	Debt - Banking & PSU Debt
AMC	UTI Asset Management Company Ltd
Rating	☆☆☆☆☆
Risk	Moderate
Expense Ratio	0.54
Sharpe Ratio	1.48
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	500
Exit Load	NIL
Yield to Maturity	6.67%
Effective Maturity	1 Year 5 Months 8 Days
Modified Duration	1 Year 3 Months 11 Days

Growth of 10,000 investment over the years.

Date	Value
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

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

Duration	Returns
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

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	4.17 Yr.

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

Asset Allocation

Asset Class	Value
Cash	13.54%
Debt	86.2%
Other	0.26%

Debt Sector Allocation

Sector	Value
Corporate	61.23%
Government	30.06%
Cash Equivalent	8.44%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
7.38% Gs 2027 Sovereign Bonds \| -	8%	₹87 Cr	850,000,000
Kotak Mahindra Bank Ltd. Debentures \| -	6%	₹71 Cr	750,000,000
Union Bank of India Domestic Bonds \| -	6%	₹70 Cr	750,000,000 ↑ 750,000,000
National Housing Bank Debentures \| -	5%	₹60 Cr	6,000 ↑ 2,500
Axis Bank Limited Debentures \| -	5%	₹55 Cr	550
Export Import Bank Of India Debentures \| -	5%	₹50 Cr	5,000
Small Industries Development Bank Of India Debentures \| -	5%	₹50 Cr	5,000
Power Finance Corporation Limited Debentures \| -	4%	₹40 Cr	400
National Bank For Agriculture And Rural Development Debentures \| -	4%	₹40 Cr	4,000
HDFC Bank Limited Debentures \| -	3%	₹35 Cr	350

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 (₹5,719 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: 0.74 (bottom quartile).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 6.99% (upper mid).
Modified duration: 3.22 yrs (bottom quartile).
Average maturity: 4.55 yrs (upper 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)	₹5,719 on 31 Dec 25
Category	Debt - Banking & PSU Debt
AMC	HDFC Asset Management Company Limited
Rating	☆☆☆☆☆
Risk	Moderately Low
Expense Ratio	0.78
Sharpe Ratio	0.74
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	300
Exit Load	NIL
Yield to Maturity	6.99%
Effective Maturity	4 Years 6 Months 18 Days
Modified Duration	3 Years 2 Months 19 Days

Growth of 10,000 investment over the years.

Date	Value
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

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

Duration	Returns
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

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	11.86 Yr.
Dhruv Muchhal	22 Jun 23	2.61 Yr.

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

Asset Allocation

Asset Class	Value
Cash	6.48%
Debt	93.21%
Other	0.32%

Debt Sector Allocation

Sector	Value
Corporate	58.62%
Government	37.12%
Cash Equivalent	3.94%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Indian Railway Finance Corporation Limited Debentures \| -	5%	₹277 Cr	27,500
Indian Railway Finance Corporation Limited Debentures \| -	4%	₹202 Cr	20,000
7.18% Gs 2033 Sovereign Bonds \| -	3%	₹169 Cr	16,500,000
Bajaj Housing Finance Limited Debentures \| -	3%	₹151 Cr	15,000
Rec Limited Debentures \| -	3%	₹151 Cr	1,500
7.26% Gs 2033 Sovereign Bonds \| -	3%	₹149 Cr	14,500,000
Housing And Urban Development Corporation Limited Debentures \| -	2%	₹129 Cr	1,250
HDFC Bank Limited Debentures \| -	2%	₹128 Cr	12,500
National Bank For Agriculture And Rural Development Debentures \| -	2%	₹126 Cr	12,500
Power Finance Corporation Limited Debentures \| -	2%	₹125 Cr	12,500

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 (₹5,608 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: 0.86 (lower mid).
Information ratio: 0.00 (lower mid).
Yield to maturity (debt): 6.93% (lower mid).
Modified duration: 3.13 yrs (lower mid).
Average maturity: 4.76 yrs (lower 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)	₹5,608 on 31 Dec 25
Category	Debt - Banking & PSU Debt
AMC	Kotak Mahindra Asset Management Co Ltd
Rating	☆☆☆☆
Risk	Moderately Low
Expense Ratio	0.76
Sharpe Ratio	0.86
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	1,000
Exit Load	NIL
Yield to Maturity	6.93%
Effective Maturity	4 Years 9 Months 4 Days
Modified Duration	3 Years 1 Month 17 Days

Growth of 10,000 investment over the years.

Date	Value
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

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

Duration	Returns
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

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	17.51 Yr.
Dharmesh Thakkar	1 Jun 25	0.67 Yr.

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

Asset Allocation

Asset Class	Value
Cash	10.27%
Debt	89.41%
Other	0.32%

Debt Sector Allocation

Sector	Value
Corporate	59.89%
Government	36.33%
Cash Equivalent	3.46%

Credit Quality

Rating	Value
AA	2.76%
AAA	97.24%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Power Finance Corporation Limited Debentures \| -	6%	₹334 Cr	33,000
Indian Oil Corporation Limited Debentures \| -	3%	₹191 Cr	19,000
6.98% Gujarat Sgs 2032 Sovereign Bonds \| -	3%	₹170 Cr	17,217,580 ↑ 17,217,580
Power Grid Corporation Of India Limited Debentures \| -	3%	₹162 Cr	20,004
HDFC Bank Limited Debentures \| -	3%	₹155 Cr	1,500
Rec Limited Debentures \| -	3%	₹153 Cr	15,000
State Bank Of India Debentures \| -	3%	₹142 Cr	1,450
Small Industries Development Bank Of India Debentures \| -	2%	₹137 Cr	13,500
Goi Frb 2034 Sovereign Bonds \| -	2%	₹132 Cr	13,000,000
Rural Electrification Corporation Limited Debentures \| -	2%	₹132 Cr	13,000

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 (₹9,728 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: 1.11 (upper mid).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 6.93% (bottom quartile).
Modified duration: 2.60 yrs (upper mid).
Average maturity: 5.00 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)	₹9,728 on 31 Dec 25
Category	Debt - Banking & PSU Debt
AMC	ICICI Prudential Asset Management Company Limited
Rating	☆☆☆☆
Risk	Moderate
Expense Ratio	0.74
Sharpe Ratio	1.11
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	100
Exit Load	NIL
Yield to Maturity	6.93%
Effective Maturity	5 Years
Modified Duration	2 Years 7 Months 6 Days

Growth of 10,000 investment over the years.

Date	Value
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

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

Duration	Returns
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

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	1.38 Yr.
Rohit Lakhotia	12 Jun 23	2.64 Yr.

Data below for ICICI Prudential Banking and PSU Debt Fund as on 31 Dec 25

Asset Allocation

Asset Class	Value
Cash	16.54%
Debt	83.15%
Other	0.31%

Debt Sector Allocation

Sector	Value
Corporate	56.11%
Government	29.54%
Cash Equivalent	14.03%

Credit Quality

Rating	Value
AA	0.88%
AAA	99.12%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
National Bank For Agriculture And Rural Development Debentures \| -	4%	₹403 Cr	40,000
6.68% Gs 2040 Sovereign Bonds \| -	4%	₹395 Cr	41,025,450
7.34% Gs 2064 Sovereign Bonds \| -	4%	₹361 Cr	36,467,800
LIC Housing Finance Ltd Debentures \| -	3%	₹325 Cr	32,500
National Bank For Agriculture And Rural Development Debentures \| -	3%	₹302 Cr	30,000
Small Industries Development Bank Of India Debentures \| -	3%	₹250 Cr	25,000 ↑ 2,500
Rec Limited Debentures \| -	3%	₹248 Cr	25,000
Mahanagar Telephone Nigam Limited Debentures \| -	2%	₹225 Cr	22,500
6.48% Gs 2035 Sovereign Bonds \| -	2%	₹213 Cr	21,657,700 ↓ -5,000,000
Small Industries Development Bank Of India Debentures \| -	2%	₹201 Cr	20,000

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 (₹9,064 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: 0.67 (bottom quartile).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 7.02% (top 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)	₹9,064 on 31 Dec 25
Category	Debt - Banking & PSU Debt
AMC	Birla Sun Life Asset Management Co Ltd
Rating	☆☆☆☆
Risk	Moderate
Expense Ratio	0.73
Sharpe Ratio	0.67
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.

Date	Value
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

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

Duration	Returns
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

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	16.35 Yr.
Harshil Suvarnkar	22 Mar 21	4.87 Yr.

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

Asset Allocation

Asset Class	Value
Cash	12.08%
Debt	87.62%
Other	0.31%

Debt Sector Allocation

Sector	Value
Corporate	58.09%
Government	35.18%
Cash Equivalent	6.42%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
National Bank For Agriculture And Rural Development Debentures \| -	4%	₹367 Cr	36,500 ↓ -2,500
Power Finance Corporation Limited Debentures \| -	3%	₹301 Cr	30,000
National Housing Bank Debentures \| -	2%	₹219 Cr	22,500
7.10% Gs 2034 Sovereign Bonds \| -	2%	₹215 Cr	21,000,000 ↓ -500,000
Punjab National Bank Domestic Bonds \| -	2%	₹210 Cr	4,500 ↑ 4,500
Indian Railway Finance Corporation Limited Debentures \| -	2%	₹195 Cr	20,000
Rec Limited Debentures \| -	2%	₹191 Cr	19,000
HDFC Bank Limited Debentures \| -	2%	₹185 Cr	1,800
Bajaj Finance Limited Debentures \| -	2%	₹166 Cr	16,500
State Bank Of India Debentures \| -	2%	₹159 Cr	160

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