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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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 ₹22.3065
↑ 0.00 ₹813 1.4 4.1 8 7.5 7.6 6.61% 1Y 8M 12D 1Y 11M 8D HDFC Banking and PSU Debt Fund Growth ₹23.3163
↑ 0.01 ₹5,890 1 3.6 7.5 7.4 7.9 6.94% 3Y 5M 5D 4Y 11M 19D ICICI Prudential Banking and PSU Debt Fund Growth ₹33.1969
↓ -0.01 ₹9,788 1.2 3.6 7.9 7.5 7.9 6.98% 3Y 2M 12D 6Y 11D Aditya Birla Sun Life Banking & PSU Debt Fund Growth ₹371.563
↑ 0.01 ₹9,180 1 3.5 7.5 7.4 7.9 7.05% 3Y 9M 29D 5Y 3M 11D Kotak Banking and PSU Debt fund Growth ₹66.2405
↑ 0.00 ₹5,795 0.9 3.5 7.4 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 30 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: 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 6 1M 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 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
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
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). Below is the key information for UTI Banking & PSU Debt Fund Returns up to 1 year are on 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 Below is the key information for HDFC Banking and PSU Debt Fund Returns up to 1 year are on 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 Below is the key information for ICICI Prudential Banking and PSU Debt Fund Returns up to 1 year are on (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 Below is the key information for Aditya Birla Sun Life Banking & PSU Debt Fund Returns up to 1 year are on 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 Below is the key information for Kotak Banking and PSU Debt fund Returns up to 1 year are on 1. 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.
Date Value 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 Returns for UTI Banking & PSU Debt Fund
absolute basis
& more than 1 year are on CAGR (Compound Annual Growth Rate)
basis. as on 30 Sep 25 Duration Returns 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
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 5.26% Debt 94.41% Other 0.33% Debt Sector Allocation
Sector Value Corporate 54.74% Government 39.67% Cash Equivalent 5.26% 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% ₹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% ₹30 Cr 3,000 2. 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.
Date Value 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 Returns for HDFC Banking and PSU Debt Fund
absolute basis
& more than 1 year are on CAGR (Compound Annual Growth Rate)
basis. as on 30 Sep 25 Duration Returns 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
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 3.86% Debt 95.84% Other 0.3% Debt Sector Allocation
Sector Value Corporate 52.24% Government 41.48% Cash Equivalent 3.86% Securitized 2.12% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity Indian Railway Finance Corporation Limited
Debentures | -5% ₹280 Cr 27,500 Small Industries Development Bank Of India
Debentures | -4% ₹226 Cr 22,500 Indian Railway Finance Corporation Limited
Debentures | -3% ₹204 Cr 20,000 7.18% Govt Stock 2033
Sovereign Bonds | -3% ₹171 Cr 16,500,000
↓ -2,500,000 Bajaj Housing Finance Limited
Debentures | -3% ₹153 Cr 15,000 Rec Limited
Debentures | -3% ₹152 Cr 1,500 7.26% Govt Stock 2033
Sovereign Bonds | -3% ₹151 Cr 14,500,000 Housing And Urban Development Corporation Limited
Debentures | -3% ₹151 Cr 15,000 State Bank Of India
Debentures | -2% ₹144 Cr 145 Housing And Urban Development Corporation Limited
Debentures | -2% ₹131 Cr 1,250 3. 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.
Date Value 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 Returns for ICICI Prudential Banking and PSU Debt Fund
absolute basis
& more than 1 year are on CAGR (Compound Annual Growth Rate)
basis. as on 30 Sep 25 Duration Returns 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
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 4.63% Debt 95.07% Other 0.3% Debt Sector Allocation
Sector Value Corporate 55.96% Government 35% Securitized 4.6% Cash Equivalent 4.14% Credit Quality
Rating Value AAA 99.18% Top Securities Holdings / Portfolio
Name Holding Value Quantity LIC Housing Finance Ltd
Debentures | -5% ₹455 Cr 45,000 National Bank For Agriculture And Rural Development
Debentures | -4% ₹407 Cr 40,000
↑ 17,500 7.34% Govt Stock 2064
Sovereign Bonds | -4% ₹367 Cr 36,467,800 Shivshakti Securitisation Trust **
Unlisted bonds | -2% ₹225 Cr 225
↑ 225 Siddhivinayak Securitisation Trust **
Unlisted bonds | -2% ₹225 Cr 225
↑ 225 Mahanagar Telephone Nigam Limited
Debentures | -2% ₹224 Cr 22,500 HDFC Bank Limited
Debentures | -2% ₹213 Cr 20,800
↓ -5,000 HDFC Bank Limited
Debentures | -2% ₹205 Cr 20,000
↓ -6,500 Small Industries Development Bank Of India
Debentures | -2% ₹203 Cr 20,000 National Bank For Agriculture And Rural Development
Debentures | -2% ₹203 Cr 20,000 4. 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.
Date Value 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 Returns for Aditya Birla Sun Life Banking & PSU Debt Fund
absolute basis
& more than 1 year are on CAGR (Compound Annual Growth Rate)
basis. as on 30 Sep 25 Duration Returns 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
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 5.76% Debt 93.95% Other 0.29% Debt Sector Allocation
Sector Value Corporate 55.63% Government 37.65% Cash Equivalent 3.36% Securitized 3.06% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity Power Grid Corporation Of India Limited
Debentures | -4% ₹366 Cr 37,000 Power Finance Corporation Limited
Debentures | -3% ₹302 Cr 30,000 Power Finance Corporation Limited
Debentures | -3% ₹255 Cr 25,000 Small Industries Development Bank Of India
Debentures | -3% ₹246 Cr 24,500 National Housing Bank
Debentures | -2% ₹221 Cr 22,500 State Bank Of India
Debentures | -2% ₹211 Cr 210 Indian Railway Finance Corporation Limited
Debentures | -2% ₹197 Cr 20,000 7.1% Govt Stock 2034
Sovereign Bonds | -2% ₹192 Cr 18,614,000 HDFC Bank Limited
Debentures | -2% ₹186 Cr 1,800 Bajaj Finance Limited
Debentures | -2% ₹168 Cr 16,500 5. 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.
Date Value 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 Returns for Kotak Banking and PSU Debt fund
absolute basis
& more than 1 year are on CAGR (Compound Annual Growth Rate)
basis. as on 30 Sep 25 Duration Returns 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
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 17.09 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 3.62% Debt 96.08% Other 0.3% Debt Sector Allocation
Sector Value Corporate 56.22% Government 39.86% Cash Equivalent 3.62% Credit Quality
Rating Value AA 2.62% AAA 97.38% Top Securities Holdings / Portfolio
Name Holding Value Quantity 7.18% Govt Stock 2033
Sovereign Bonds | -7% ₹408 Cr 39,343,730 Power Finance Corporation Limited
Debentures | -6% ₹337 Cr 33,000 7.09% Govt Stock 2054
Sovereign Bonds | -4% ₹239 Cr 24,300,000
↑ 11,800,000 National Housing Bank
Debentures | -4% ₹221 Cr 22,500 Indian Oil Corporation Limited
Debentures | -3% ₹194 Cr 19,000 Power Grid Corporation Of India Limited
Debentures | -3% ₹184 Cr 20,002 6.68% Govt Stock 2040
Sovereign Bonds | -3% ₹158 Cr 16,000,000
↑ 10,000,000 HDFC Bank Limited
Debentures | -3% ₹157 Cr 1,500 Rec Limited
Debentures | -3% ₹154 Cr 15,000 State Bank Of India
Debentures | -2% ₹140 Cr 1,450
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Research Highlights for UTI Banking & PSU Debt Fund