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മികച്ച 5 മികച്ച ബാങ്കിംഗ്, പൊതുമേഖലാ സ്ഥാപനങ്ങൾ ഡെറ്റ് ഫണ്ടുകൾ 2022

Updated on September 28, 2025 , 20923 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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Banking-PSU-Funds

മികച്ച പ്രകടനം നടത്തുന്ന ബാങ്കിംഗ്, പൊതുമേഖലാ സ്ഥാപനങ്ങളുടെ ഡെറ്റ് ഫണ്ടുകൾ

FundNAVNet Assets (Cr)3 MO (%)6 MO (%)1 YR (%)3 YR (%)2024 (%)Debt Yield (YTM)Mod. DurationEff. Maturity
UTI Banking & PSU Debt Fund Growth ₹22.3065
↑ 0.00
₹8131.44.187.57.66.61%1Y 8M 12D1Y 11M 8D
HDFC Banking and PSU Debt Fund Growth ₹23.3163
↑ 0.01
₹5,89013.67.57.47.96.94%3Y 5M 5D4Y 11M 19D
ICICI Prudential Banking and PSU Debt Fund Growth ₹33.1969
↓ -0.01
₹9,7881.23.67.97.57.96.98%3Y 2M 12D6Y 11D
Aditya Birla Sun Life Banking & PSU Debt Fund Growth ₹371.563
↑ 0.01
₹9,18013.57.57.47.97.05%3Y 9M 29D5Y 3M 11D
Kotak Banking and PSU Debt fund Growth ₹66.2405
↑ 0.00
₹5,7950.93.57.47.487.02%3Y 4M 10D5Y 7M 17D
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 30 Sep 25

Research Highlights & Commentary of 5 Funds showcased

CommentaryUTI Banking & PSU Debt FundHDFC Banking and PSU Debt FundICICI Prudential Banking and PSU Debt FundAditya Birla Sun Life Banking & PSU Debt FundKotak Banking and PSU Debt fund
Point 1Bottom 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 2Established history (11+ yrs).Established history (11+ yrs).Established history (15+ yrs).Established history (17+ yrs).Oldest track record among peers (26 yrs).
Point 3Top rated.Rating: 5★ (upper mid).Rating: 4★ (lower mid).Rating: 4★ (bottom quartile).Rating: 4★ (bottom quartile).
Point 4Risk profile: Moderate.Risk profile: Moderately Low.Risk profile: Moderate.Risk profile: Moderate.Risk profile: Moderately Low.
Point 51Y return: 7.95% (top quartile).1Y return: 7.53% (lower mid).1Y return: 7.86% (upper mid).1Y return: 7.52% (bottom quartile).1Y return: 7.42% (bottom quartile).
Point 61M return: 0.60% (lower mid).1M return: 0.60% (bottom quartile).1M return: 0.62% (upper mid).1M return: 0.63% (top quartile).1M return: 0.60% (bottom quartile).
Point 7Sharpe: 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 8Information 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 9Yield 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 10Modified 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: 7.95% (top quartile).
  • 1M return: 0.60% (lower mid).
  • 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: 7.53% (lower mid).
  • 1M return: 0.60% (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: 0.62% (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: 7.52% (bottom quartile).
  • 1M return: 0.63% (top quartile).
  • 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: 7.42% (bottom quartile).
  • 1M return: 0.60% (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).

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 (₹813 Cr).
  • Established history (11+ yrs).
  • Top rated.
  • Risk profile: Moderate.
  • 1Y return: 7.95% (top quartile).
  • 1M return: 0.60% (lower mid).
  • 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.
  • Top bond sector: Corporate.
  • Debt-heavy allocation (~94%).
  • High-quality debt (AAA/AA ~100%).
  • Largest holding 7.38% Govt Stock 2027 (~11.4%).

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 25) ₹22.3065 ↑ 0.00   (0.01 %)
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.

DateValue
30 Sep 20₹10,000
30 Sep 21₹10,397
30 Sep 22₹11,347
30 Sep 23₹12,110
30 Sep 24₹13,056

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 30 Sep 25

DurationReturns
1 Month 0.6%
3 Month 1.4%
6 Month 4.1%
1 Year 8%
3 Year 7.5%
5 Year 7.1%
10 Year
15 Year
Since launch 7.1%
Historical performance (Yearly) on absolute basis
YearReturns
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
NameSinceTenure
Anurag Mittal1 Dec 213.75 Yr.

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

Asset Allocation
Asset ClassValue
Cash5.26%
Debt94.41%
Other0.33%
Debt Sector Allocation
SectorValue
Corporate54.74%
Government39.67%
Cash Equivalent5.26%
Credit Quality
RatingValue
AAA100%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
7.38% Govt Stock 2027
Sovereign Bonds | -
11%₹92 Cr900,000,000
Axis Bank Limited
Debentures | -
7%₹55 Cr550
Export Import Bank Of India
Debentures | -
6%₹51 Cr5,000
Small Industries Development Bank Of India
Debentures | -
6%₹51 Cr5,000
Power Finance Corporation Limited
Debentures | -
5%₹41 Cr400
Rural Electrification Corporation Limited
Debentures | -
4%₹36 Cr3,500
National Housing Bank
Debentures | -
4%₹36 Cr3,500
HDFC Bank Limited
Debentures | -
4%₹35 Cr350
Indian Railway Finance Corporation Limited
Debentures | -
4%₹31 Cr300
National Bank For Agriculture And Rural Development
Debentures | -
4%₹30 Cr3,000

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: 7.53% (lower mid).
  • 1M return: 0.60% (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.
  • Top bond sector: Corporate.
  • Debt-heavy allocation (~96%).
  • High-quality debt (AAA/AA ~100%).
  • Largest holding Indian Railway Finance Corporation Limited (~4.7%).

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 25) ₹23.3163 ↑ 0.01   (0.02 %)
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.

DateValue
30 Sep 20₹10,000
30 Sep 21₹10,577
30 Sep 22₹10,842
30 Sep 23₹11,569
30 Sep 24₹12,482

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 30 Sep 25

DurationReturns
1 Month 0.6%
3 Month 1%
6 Month 3.6%
1 Year 7.5%
3 Year 7.4%
5 Year 6.1%
10 Year
15 Year
Since launch 7.6%
Historical performance (Yearly) on absolute basis
YearReturns
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
NameSinceTenure
Anil Bamboli26 Mar 1411.44 Yr.
Dhruv Muchhal22 Jun 232.2 Yr.

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

Asset Allocation
Asset ClassValue
Cash3.86%
Debt95.84%
Other0.3%
Debt Sector Allocation
SectorValue
Corporate52.24%
Government41.48%
Cash Equivalent3.86%
Securitized2.12%
Credit Quality
RatingValue
AAA100%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
Indian Railway Finance Corporation Limited
Debentures | -
5%₹280 Cr27,500
Small Industries Development Bank Of India
Debentures | -
4%₹226 Cr22,500
Indian Railway Finance Corporation Limited
Debentures | -
3%₹204 Cr20,000
7.18% Govt Stock 2033
Sovereign Bonds | -
3%₹171 Cr16,500,000
↓ -2,500,000
Bajaj Housing Finance Limited
Debentures | -
3%₹153 Cr15,000
Rec Limited
Debentures | -
3%₹152 Cr1,500
7.26% Govt Stock 2033
Sovereign Bonds | -
3%₹151 Cr14,500,000
Housing And Urban Development Corporation Limited
Debentures | -
3%₹151 Cr15,000
State Bank Of India
Debentures | -
2%₹144 Cr145
Housing And Urban Development Corporation Limited
Debentures | -
2%₹131 Cr1,250

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: 0.62% (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.
  • Top bond sector: Corporate.
  • Debt-heavy allocation (~95%).
  • High-quality debt (AAA/AA ~99%).
  • 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 (30 Sep 25) ₹33.1969 ↓ -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.

DateValue
30 Sep 20₹10,000
30 Sep 21₹10,629
30 Sep 22₹10,988
30 Sep 23₹11,773
30 Sep 24₹12,665

ICICI Prudential 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 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 25

DurationReturns
1 Month 0.6%
3 Month 1.2%
6 Month 3.6%
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
YearReturns
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
NameSinceTenure
Manish Banthia13 Sep 240.97 Yr.
Rohit Lakhotia12 Jun 232.22 Yr.

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

Asset Allocation
Asset ClassValue
Cash4.63%
Debt95.07%
Other0.3%
Debt Sector Allocation
SectorValue
Corporate55.96%
Government35%
Securitized4.6%
Cash Equivalent4.14%
Credit Quality
RatingValue
AAA99.18%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
LIC Housing Finance Ltd
Debentures | -
5%₹455 Cr45,000
National Bank For Agriculture And Rural Development
Debentures | -
4%₹407 Cr40,000
↑ 17,500
7.34% Govt Stock 2064
Sovereign Bonds | -
4%₹367 Cr36,467,800
Shivshakti Securitisation Trust **
Unlisted bonds | -
2%₹225 Cr225
↑ 225
Siddhivinayak Securitisation Trust **
Unlisted bonds | -
2%₹225 Cr225
↑ 225
Mahanagar Telephone Nigam Limited
Debentures | -
2%₹224 Cr22,500
HDFC Bank Limited
Debentures | -
2%₹213 Cr20,800
↓ -5,000
HDFC Bank Limited
Debentures | -
2%₹205 Cr20,000
↓ -6,500
Small Industries Development Bank Of India
Debentures | -
2%₹203 Cr20,000
National Bank For Agriculture And Rural Development
Debentures | -
2%₹203 Cr20,000

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: 7.52% (bottom quartile).
  • 1M return: 0.63% (top quartile).
  • 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.
  • Top sector: Financial Services.
  • Top bond sector: Corporate.
  • Debt-heavy allocation (~94%).
  • High-quality debt (AAA/AA ~100%).
  • Largest holding Power Grid Corporation Of India Limited (~4.0%).

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 25) ₹371.563 ↑ 0.01   (0.00 %)
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.

DateValue
30 Sep 20₹10,000
30 Sep 21₹10,570
30 Sep 22₹10,861
30 Sep 23₹11,591
30 Sep 24₹12,520

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 30 Sep 25

DurationReturns
1 Month 0.6%
3 Month 1%
6 Month 3.5%
1 Year 7.5%
3 Year 7.4%
5 Year 6.1%
10 Year
15 Year
Since launch 7.8%
Historical performance (Yearly) on absolute basis
YearReturns
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
NameSinceTenure
Kaustubh Gupta29 Sep 0915.93 Yr.
Harshil Suvarnkar22 Mar 214.45 Yr.

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

Asset Allocation
Asset ClassValue
Cash5.76%
Debt93.95%
Other0.29%
Debt Sector Allocation
SectorValue
Corporate55.63%
Government37.65%
Cash Equivalent3.36%
Securitized3.06%
Credit Quality
RatingValue
AAA100%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
Power Grid Corporation Of India Limited
Debentures | -
4%₹366 Cr37,000
Power Finance Corporation Limited
Debentures | -
3%₹302 Cr30,000
Power Finance Corporation Limited
Debentures | -
3%₹255 Cr25,000
Small Industries Development Bank Of India
Debentures | -
3%₹246 Cr24,500
National Housing Bank
Debentures | -
2%₹221 Cr22,500
State Bank Of India
Debentures | -
2%₹211 Cr210
Indian Railway Finance Corporation Limited
Debentures | -
2%₹197 Cr20,000
7.1% Govt Stock 2034
Sovereign Bonds | -
2%₹192 Cr18,614,000
HDFC Bank Limited
Debentures | -
2%₹186 Cr1,800
Bajaj Finance Limited
Debentures | -
2%₹168 Cr16,500

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: 7.42% (bottom quartile).
  • 1M return: 0.60% (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.
  • Top bond sector: Corporate.
  • Debt-heavy allocation (~96%).
  • High-quality debt (AAA/AA ~100%).
  • Largest holding 7.18% Govt Stock 2033 (~7.0%).

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 (30 Sep 25) ₹66.2405 ↑ 0.00   (0.00 %)
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.

DateValue
30 Sep 20₹10,000
30 Sep 21₹10,594
30 Sep 22₹10,879
30 Sep 23₹11,604
30 Sep 24₹12,560

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 30 Sep 25

DurationReturns
1 Month 0.6%
3 Month 0.9%
6 Month 3.5%
1 Year 7.4%
3 Year 7.4%
5 Year 6.2%
10 Year
15 Year
Since launch
Historical performance (Yearly) on absolute basis
YearReturns
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
NameSinceTenure
Deepak Agrawal1 Aug 0817.09 Yr.
Dharmesh Thakar1 Jun 250.25 Yr.

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

Asset Allocation
Asset ClassValue
Cash3.62%
Debt96.08%
Other0.3%
Debt Sector Allocation
SectorValue
Corporate56.22%
Government39.86%
Cash Equivalent3.62%
Credit Quality
RatingValue
AA2.62%
AAA97.38%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
7.18% Govt Stock 2033
Sovereign Bonds | -
7%₹408 Cr39,343,730
Power Finance Corporation Limited
Debentures | -
6%₹337 Cr33,000
7.09% Govt Stock 2054
Sovereign Bonds | -
4%₹239 Cr24,300,000
↑ 11,800,000
National Housing Bank
Debentures | -
4%₹221 Cr22,500
Indian Oil Corporation Limited
Debentures | -
3%₹194 Cr19,000
Power Grid Corporation Of India Limited
Debentures | -
3%₹184 Cr20,002
6.68% Govt Stock 2040
Sovereign Bonds | -
3%₹158 Cr16,000,000
↑ 10,000,000
HDFC Bank Limited
Debentures | -
3%₹157 Cr1,500
Rec Limited
Debentures | -
3%₹154 Cr15,000
State Bank Of India
Debentures | -
2%₹140 Cr1,450

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ഇവിടെ നൽകിയിരിക്കുന്ന വിവരങ്ങൾ കൃത്യമാണെന്ന് ഉറപ്പാക്കാൻ എല്ലാ ശ്രമങ്ങളും നടത്തിയിട്ടുണ്ട്. എന്നിരുന്നാലും, ഡാറ്റയുടെ കൃത്യത സംബന്ധിച്ച് യാതൊരു ഉറപ്പും നൽകുന്നില്ല. എന്തെങ്കിലും നിക്ഷേപം നടത്തുന്നതിന് മുമ്പ് സ്കീം വിവര രേഖ ഉപയോഗിച്ച് പരിശോധിക്കുക.
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