മികച്ച 5 മികച്ച ബാങ്കിംഗ്, പൊതുമേഖലാ സ്ഥാപനങ്ങൾ ഡെറ്റ് ഫണ്ടുകൾ 2022

Updated on December 20, 2025 , 21040 views

സെക്യൂരിറ്റീസ് ആൻഡ് എക്‌സ്‌ചേഞ്ച് ബോർഡ് ഓഫ് ഇന്ത്യ അവതരിപ്പിച്ച പുതിയ ഉപവിഭാഗമാണ് ബാങ്കിംഗ്, പിഎസ്‌യു ഡെറ്റ് ഫണ്ടുകൾ (സെബി) കടത്തിൽമ്യൂച്വൽ ഫണ്ട് വിഭാഗം. ഈ ഫണ്ടുകൾ പ്രധാനമായും കടത്തിൽ നിക്ഷേപിക്കുന്നുപണ വിപണി ബാങ്കുകൾ, പൊതു ധനകാര്യ സ്ഥാപനങ്ങൾ, പൊതുമേഖലാ സ്ഥാപനങ്ങൾ തുടങ്ങിയ സ്ഥാപനങ്ങൾ നൽകുന്ന സെക്യൂരിറ്റികൾ അടങ്ങുന്ന ഉപകരണങ്ങൾ.ദ്രവ്യത, സുരക്ഷ, വിളവ്.

ബാങ്കിംഗും പൊതുമേഖലാ സ്ഥാപനങ്ങളുംഡെറ്റ് ഫണ്ട് സുരക്ഷിതമായ റിട്ടേണുകൾ വാഗ്ദാനം ചെയ്യാനും അപകടസാധ്യത കുറയ്ക്കാനും ലക്ഷ്യമിടുന്ന ഡെറ്റ് ഫണ്ടുകളുടെ ഹ്രസ്വകാല വിഭാഗത്തിൽ പെടുന്നുനിക്ഷേപിക്കുന്നു പ്രധാനമായും ബാങ്കുകളും പൊതുമേഖലാ സ്ഥാപനങ്ങളും നൽകുന്ന നല്ല നിലവാരമുള്ള കടപത്രങ്ങളിൽ. 2-3 വർഷത്തേക്ക് ഹ്രസ്വകാലത്തേക്ക് നിക്ഷേപിക്കാൻ താൽപ്പര്യമുള്ള നിക്ഷേപകർക്ക് ഈ സ്കീമിൽ നിക്ഷേപിക്കാം.

2022 - 2023 ലെ മികച്ച പ്രകടനം നടത്തുന്ന ബാങ്കിംഗ്, പൊതുമേഖലാ സ്ഥാപനങ്ങളുടെ ഡെറ്റ് ഫണ്ടുകളിൽ ചിലത് ഇതാ.

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മികച്ച പ്രകടനം നടത്തുന്ന ബാങ്കിംഗ്, പൊതുമേഖലാ സ്ഥാപനങ്ങളുടെ ഡെറ്റ് ഫണ്ടുകൾ

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	₹22.5638 ↓ 0.00	₹812	1.4	2.7	7.9	7.3	7.6	6.46%	1Y 5M 5D	1Y 7M 20D
HDFC Banking and PSU Debt Fund Growth	₹23.5871 ↓ -0.01	₹5,835	1.4	2.3	7.4	7.3	7.9	6.81%	3Y 2M 8D	4Y 6M 14D
Kotak Banking and PSU Debt fund Growth	₹67.2297 ↓ -0.01	₹5,627	1.7	2.5	7.7	7.4	8	6.86%	3Y 5M 26D	5Y 5M 5D
ICICI Prudential Banking and PSU Debt Fund Growth	₹33.6657 ↓ 0.00	₹9,696	1.6	2.7	7.5	7.6	7.9	6.87%	2Y 11M 26D	5Y 7M 6D
Aditya Birla Sun Life Banking & PSU Debt Fund Growth	₹375.559 ↓ -0.10	₹9,016	1.3	2.2	7.3	7.3	7.9	6.86%	3Y 8M 1D	5Y 1M 20D
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 23 Dec 25

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 (₹812 Cr).	Lower mid AUM (₹5,835 Cr).	Bottom quartile AUM (₹5,627 Cr).	Highest AUM (₹9,696 Cr).	Upper mid AUM (₹9,016 Cr).
Point 2	Established history (11+ yrs).	Established history (11+ yrs).	Oldest track record among peers (27 yrs).	Established history (15+ 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: 7.86% (top quartile).	1Y return: 7.40% (bottom quartile).	1Y return: 7.68% (upper mid).	1Y return: 7.52% (lower mid).	1Y return: 7.26% (bottom quartile).
Point 6	1M return: 0.24% (top quartile).	1M return: 0.01% (bottom quartile).	1M return: 0.06% (lower mid).	1M return: 0.19% (upper mid).	1M return: -0.07% (bottom quartile).
Point 7	Sharpe: 1.66 (top quartile).	Sharpe: 1.00 (bottom quartile).	Sharpe: 1.10 (lower mid).	Sharpe: 1.32 (upper mid).	Sharpe: 0.96 (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): 6.46% (bottom quartile).	Yield to maturity (debt): 6.81% (bottom quartile).	Yield to maturity (debt): 6.86% (upper mid).	Yield to maturity (debt): 6.87% (top quartile).	Yield to maturity (debt): 6.86% (lower mid).
Point 10	Modified duration: 1.43 yrs (top quartile).	Modified duration: 3.19 yrs (lower mid).	Modified duration: 3.49 yrs (bottom quartile).	Modified duration: 2.99 yrs (upper mid).	Modified duration: 3.67 yrs (bottom quartile).

UTI Banking & PSU Debt Fund

Bottom quartile AUM (₹812 Cr).
Established history (11+ yrs).
Top rated.
Risk profile: Moderate.
1Y return: 7.86% (top quartile).
1M return: 0.24% (top quartile).
Sharpe: 1.66 (top quartile).
Information ratio: 0.00 (top quartile).
Yield to maturity (debt): 6.46% (bottom quartile).
Modified duration: 1.43 yrs (top quartile).

HDFC Banking and PSU Debt Fund

Lower mid AUM (₹5,835 Cr).
Established history (11+ yrs).
Rating: 5★ (upper mid).
Risk profile: Moderately Low.
1Y return: 7.40% (bottom quartile).
1M return: 0.01% (bottom quartile).
Sharpe: 1.00 (bottom quartile).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 6.81% (bottom quartile).
Modified duration: 3.19 yrs (lower mid).

Kotak Banking and PSU Debt fund

Bottom quartile AUM (₹5,627 Cr).
Oldest track record among peers (27 yrs).
Rating: 4★ (lower mid).
Risk profile: Moderately Low.
1Y return: 7.68% (upper mid).
1M return: 0.06% (lower mid).
Sharpe: 1.10 (lower mid).
Information ratio: 0.00 (lower mid).
Yield to maturity (debt): 6.86% (upper mid).
Modified duration: 3.49 yrs (bottom quartile).

ICICI Prudential Banking and PSU Debt Fund

Highest AUM (₹9,696 Cr).
Established history (15+ yrs).
Rating: 4★ (bottom quartile).
Risk profile: Moderate.
1Y return: 7.52% (lower mid).
1M return: 0.19% (upper mid).
Sharpe: 1.32 (upper mid).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 6.87% (top quartile).
Modified duration: 2.99 yrs (upper mid).

Aditya Birla Sun Life Banking & PSU Debt Fund

Upper mid AUM (₹9,016 Cr).
Established history (17+ yrs).
Rating: 4★ (bottom quartile).
Risk profile: Moderate.
1Y return: 7.26% (bottom quartile).
1M return: -0.07% (bottom quartile).
Sharpe: 0.96 (bottom quartile).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 6.86% (lower mid).
Modified duration: 3.67 yrs (bottom quartile).

മികച്ച 5 മികച്ച പ്രകടനമുള്ള ബാങ്കിംഗ്, പൊതുമേഖലാ സ്ഥാപനങ്ങളുടെ ഡെറ്റ് ഫണ്ടുകൾ

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 (₹812 Cr).
Established history (11+ yrs).
Top rated.
Risk profile: Moderate.
1Y return: 7.86% (top quartile).
1M return: 0.24% (top quartile).
Sharpe: 1.66 (top quartile).
Information ratio: 0.00 (top quartile).
Yield to maturity (debt): 6.46% (bottom quartile).
Modified duration: 1.43 yrs (top quartile).
Average maturity: 1.64 yrs (top quartile).
Exit load: NIL.
Top bond sector: Corporate.
Debt-heavy allocation (~89%).
High-quality debt (AAA/AA ~100%).
Largest holding 7.38% Govt Stock 2027 (~11.2%).

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

UTI Banking & PSU Debt Fund Growth
Launch Date	3 Feb 14
NAV (23 Dec 25)	₹22.5638 ↓ 0.00 (-0.02 %)
Net Assets (Cr)	₹812 on 30 Nov 25
Category	Debt - Banking & PSU Debt
AMC	UTI Asset Management Company Ltd
Rating	☆☆☆☆☆
Risk	Moderate
Expense Ratio	0.54
Sharpe Ratio	1.66
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	500
Exit Load	NIL
Yield to Maturity	6.46%
Effective Maturity	1 Year 7 Months 20 Days
Modified Duration	1 Year 5 Months 5 Days

Growth of 10,000 investment over the years.

Date	Value
30 Nov 20	₹10,000
30 Nov 21	₹10,279
30 Nov 22	₹11,324
30 Nov 23	₹12,024
30 Nov 24	₹12,978
30 Nov 25	₹14,023

UTI 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 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 23 Dec 25

Duration	Returns
1 Month	0.2%
3 Month	1.4%
6 Month	2.7%
1 Year	7.9%
3 Year	7.3%
5 Year	7%
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	4 Yr.

Data below for UTI Banking & PSU Debt Fund as on 30 Nov 25

Asset Allocation

Asset Class	Value
Cash	10.57%
Debt	89.1%
Other	0.33%

Debt Sector Allocation

Sector	Value
Corporate	49.88%
Government	39.22%
Cash Equivalent	10.57%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
7.38% Govt Stock 2027 Sovereign Bonds \| -	11%	₹92 Cr	900,000,000
Axis Bank Limited Debentures \| -	7%	₹55 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%	₹35 Cr	3,500
HDFC Bank Limited Debentures \| -	4%	₹35 Cr	350
National Bank For Agriculture And Rural Development Debentures \| -	4%	₹30 Cr	3,000
Indian Railway Finance Corporation Limited Debentures \| -	4%	₹30 Cr	300

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 (₹5,835 Cr).
Established history (11+ yrs).
Rating: 5★ (upper mid).
Risk profile: Moderately Low.
1Y return: 7.40% (bottom quartile).
1M return: 0.01% (bottom quartile).
Sharpe: 1.00 (bottom quartile).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 6.81% (bottom quartile).
Modified duration: 3.19 yrs (lower mid).
Average maturity: 4.54 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 (23 Dec 25)	₹23.5871 ↓ -0.01 (-0.02 %)
Net Assets (Cr)	₹5,835 on 30 Nov 25
Category	Debt - Banking & PSU Debt
AMC	HDFC Asset Management Company Limited
Rating	☆☆☆☆☆
Risk	Moderately Low
Expense Ratio	0.78
Sharpe Ratio	1
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	300
Exit Load	NIL
Yield to Maturity	6.81%
Effective Maturity	4 Years 6 Months 14 Days
Modified Duration	3 Years 2 Months 8 Days

Growth of 10,000 investment over the years.

Date	Value
30 Nov 20	₹10,000
30 Nov 21	₹10,398
30 Nov 22	₹10,710
30 Nov 23	₹11,411
30 Nov 24	₹12,329
30 Nov 25	₹13,311

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 23 Dec 25

Duration	Returns
1 Month	0%
3 Month	1.4%
6 Month	2.3%
1 Year	7.4%
3 Year	7.3%
5 Year	5.8%
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	11.69 Yr.
Dhruv Muchhal	22 Jun 23	2.45 Yr.

Data below for HDFC Banking and PSU Debt Fund as on 30 Nov 25

Asset Allocation

Asset Class	Value
Cash	6.81%
Debt	92.88%
Other	0.31%

Debt Sector Allocation

Sector	Value
Corporate	57.99%
Government	35.74%
Cash Equivalent	5.96%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Indian Railway Finance Corporation Limited Debentures \| -	5%	₹279 Cr	27,500
Indian Railway Finance Corporation Limited Debentures \| -	4%	₹204 Cr	20,000
7.18% Govt Stock 2033 Sovereign Bonds \| -	3%	₹170 Cr	16,500,000
Rec Limited Debentures \| -	3%	₹152 Cr	1,500
Bajaj Housing Finance Limited Debentures \| -	3%	₹152 Cr	15,000
Housing And Urban Development Corporation Limited Debentures \| -	3%	₹150 Cr	15,000
7.26% Govt Stock 2033 Sovereign Bonds \| -	3%	₹150 Cr	14,500,000
Small Industries Development Bank Of India Debentures \| -	2%	₹140 Cr	14,000 ↓ -1,000
Housing And Urban Development Corporation Limited Debentures \| -	2%	₹131 Cr	1,250
HDFC Bank Limited Debentures \| -	2%	₹129 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 (₹5,627 Cr).
Oldest track record among peers (27 yrs).
Rating: 4★ (lower mid).
Risk profile: Moderately Low.
1Y return: 7.68% (upper mid).
1M return: 0.06% (lower mid).
Sharpe: 1.10 (lower mid).
Information ratio: 0.00 (lower mid).
Yield to maturity (debt): 6.86% (upper mid).
Modified duration: 3.49 yrs (bottom quartile).
Average maturity: 5.43 yrs (bottom quartile).
Exit load: NIL.
Top bond sector: Corporate.
Debt-heavy allocation (~91%).
High-quality debt (AAA/AA ~100%).
Largest holding Power Finance Corporation Limited (~6.0%).

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 (23 Dec 25)	₹67.2297 ↓ -0.01 (-0.02 %)
Net Assets (Cr)	₹5,627 on 15 Dec 25
Category	Debt - Banking & PSU Debt
AMC	Kotak Mahindra Asset Management Co Ltd
Rating	☆☆☆☆
Risk	Moderately Low
Expense Ratio	0.76
Sharpe Ratio	1.1
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	1,000
Exit Load	NIL
Yield to Maturity	6.86%
Effective Maturity	5 Years 5 Months 5 Days
Modified Duration	3 Years 5 Months 26 Days

Growth of 10,000 investment over the years.

Date	Value
30 Nov 20	₹10,000
30 Nov 21	₹10,402
30 Nov 22	₹10,771
30 Nov 23	₹11,461
30 Nov 24	₹12,402
30 Nov 25	₹13,411

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 23 Dec 25

Duration	Returns
1 Month	0.1%
3 Month	1.7%
6 Month	2.5%
1 Year	7.7%
3 Year	7.4%
5 Year	6%
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	17.34 Yr.
Dharmesh Thakkar	1 Jun 25	0.5 Yr.

Data below for Kotak Banking and PSU Debt fund as on 15 Dec 25

Asset Allocation

Asset Class	Value
Cash	8.66%
Debt	91.02%
Other	0.32%

Debt Sector Allocation

Sector	Value
Corporate	52.26%
Government	38.76%
Cash Equivalent	8.66%

Credit Quality

Rating	Value
AA	2.67%
AAA	97.33%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Power Finance Corporation Limited Debentures \| -	6%	₹337 Cr	33,000
7.09% Govt Stock 2054 Sovereign Bonds \| -	4%	₹236 Cr	24,300,000
Indian Oil Corporation Limited Debentures \| -	3%	₹194 Cr	19,000
Gujarat (Government of) 0.0698% - \| -	3%	₹171 Cr	17,217,580 ↑ 17,217,580
Power Grid Corporation Of India Limited Debentures \| -	3%	₹164 Cr	20,004
HDFC Bank Limited Debentures \| -	3%	₹156 Cr	1,500
Rec Limited Debentures \| -	3%	₹154 Cr	15,000
State Bank Of India Debentures \| -	3%	₹143 Cr	1,450
Small Industries Development Bank Of India Debentures \| -	2%	₹138 Cr	13,500
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 (₹9,696 Cr).
Established history (15+ yrs).
Rating: 4★ (bottom quartile).
Risk profile: Moderate.
1Y return: 7.52% (lower mid).
1M return: 0.19% (upper mid).
Sharpe: 1.32 (upper mid).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 6.87% (top quartile).
Modified duration: 2.99 yrs (upper mid).
Average maturity: 5.60 yrs (bottom quartile).
Exit load: NIL.
Higher exposure to Corporate (bond sector) vs peer median.
Debt-heavy allocation (~87%).
High-quality debt (AAA/AA ~89%).
Largest holding LIC Housing Finance Ltd (~4.7%).

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 (23 Dec 25)	₹33.6657 ↓ 0.00 (-0.01 %)
Net Assets (Cr)	₹9,696 on 15 Dec 25
Category	Debt - Banking & PSU Debt
AMC	ICICI Prudential Asset Management Company Limited
Rating	☆☆☆☆
Risk	Moderate
Expense Ratio	0.74
Sharpe Ratio	1.32
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	100
Exit Load	NIL
Yield to Maturity	6.87%
Effective Maturity	5 Years 7 Months 6 Days
Modified Duration	2 Years 11 Months 26 Days

Growth of 10,000 investment over the years.

Date	Value
30 Nov 20	₹10,000
30 Nov 21	₹10,473
30 Nov 22	₹10,872
30 Nov 23	₹11,638
30 Nov 24	₹12,558
30 Nov 25	₹13,560

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 23 Dec 25

Duration	Returns
1 Month	0.2%
3 Month	1.6%
6 Month	2.7%
1 Year	7.5%
3 Year	7.6%
5 Year	6.2%
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	1.22 Yr.
Rohit Lakhotia	12 Jun 23	2.47 Yr.

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

Asset Allocation

Asset Class	Value
Cash	13.06%
Debt	86.63%
Other	0.31%

Debt Sector Allocation

Sector	Value
Corporate	61.13%
Government	28.75%
Cash Equivalent	9.81%

Credit Quality

Rating	Value
AAA	89.06%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
LIC Housing Finance Ltd Debentures \| -	5%	₹454 Cr	45,000
National Bank For Agriculture And Rural Development Debentures \| -	4%	₹405 Cr	40,000
7.34% Govt Stock 2064 Sovereign Bonds \| -	4%	₹361 Cr	36,467,800
Small Industries Development Bank Of India Debentures \| -	3%	₹328 Cr	32,500
National Bank For Agriculture And Rural Development Debentures \| -	3%	₹304 Cr	30,000
Rec Limited Debentures \| -	3%	₹249 Cr	25,000
Mahanagar Telephone Nigam Limited Debentures \| -	2%	₹225 Cr	22,500
SIDDHIVINAYAK SECURITISATION TRUST Unlisted bonds \| -	2%	₹205 Cr	200
Small Industries Development Bank Of India Debentures \| -	2%	₹203 Cr	20,000
Power Finance Corporation Limited Debentures \| -	2%	₹200 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 (₹9,016 Cr).
Established history (17+ yrs).
Rating: 4★ (bottom quartile).
Risk profile: Moderate.
1Y return: 7.26% (bottom quartile).
1M return: -0.07% (bottom quartile).
Sharpe: 0.96 (bottom quartile).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 6.86% (lower mid).
Modified duration: 3.67 yrs (bottom quartile).
Average maturity: 5.14 yrs (lower mid).
Exit load: NIL.
Top sector: Financial Services.
Top bond sector: Corporate.
Debt-heavy allocation (~93%).
High-quality debt (AAA/AA ~100%).
Largest holding National Bank For Agriculture And Rural Development (~4.4%).

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 (23 Dec 25)	₹375.559 ↓ -0.10 (-0.03 %)
Net Assets (Cr)	₹9,016 on 15 Dec 25
Category	Debt - Banking & PSU Debt
AMC	Birla Sun Life Asset Management Co Ltd
Rating	☆☆☆☆
Risk	Moderate
Expense Ratio	0.73
Sharpe Ratio	0.96
Information Ratio	0
Alpha Ratio	0
Min Investment	1,000
Min SIP Investment	1,000
Exit Load	NIL
Yield to Maturity	6.86%
Effective Maturity	5 Years 1 Month 20 Days
Modified Duration	3 Years 8 Months 1 Day

Growth of 10,000 investment over the years.

Date	Value
30 Nov 20	₹10,000
30 Nov 21	₹10,373
30 Nov 22	₹10,724
30 Nov 23	₹11,426
30 Nov 24	₹12,348
30 Nov 25	₹13,323

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 23 Dec 25

Duration	Returns
1 Month	-0.1%
3 Month	1.3%
6 Month	2.2%
1 Year	7.3%
3 Year	7.3%
5 Year	5.8%
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	16.18 Yr.
Harshil Suvarnkar	22 Mar 21	4.7 Yr.

Data below for Aditya Birla Sun Life Banking & PSU Debt Fund as on 15 Dec 25

Asset Allocation

Asset Class	Value
Cash	6.42%
Debt	93.27%
Other	0.3%

Debt Sector Allocation

Sector	Value
Corporate	54.77%
Government	39.32%
Cash Equivalent	5.61%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
National Bank For Agriculture And Rural Development Debentures \| -	4%	₹395 Cr	39,000
Power Finance Corporation Limited Debentures \| -	3%	₹302 Cr	30,000
Power Finance Corporation Limited Debentures \| -	3%	₹229 Cr	22,500
National Housing Bank Debentures \| -	2%	₹221 Cr	22,500
State Bank Of India Debentures \| -	2%	₹211 Cr	210
Bharti Telecom Limited Debentures \| -	2%	₹205 Cr	20,500 ↑ 2,500
7.1% Govt Stock 2034 Sovereign Bonds \| -	2%	₹199 Cr	19,359,100
Indian Railway Finance Corporation Limited Debentures \| -	2%	₹197 Cr	20,000
Rec Limited Debentures \| -	2%	₹192 Cr	19,000
HDFC Bank Limited Debentures \| -	2%	₹186 Cr	1,800

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