+91-22-48913909टॉप 5 सर्वोत्कृष्ट बँकिंग आणि PSU डेट फंड 2022
बँकिंग आणि पीएसयू डेट फंड हे सिक्युरिटीज अँड एक्सचेंज बोर्ड ऑफ इंडियाने सादर केलेले नवीन उप-वर्ग आहेत (सेबी) कर्जातम्युच्युअल फंड श्रेणी हे फंड प्रामुख्याने कर्जामध्ये गुंतवणूक करतात आणिपैसा बाजार बँका, सार्वजनिक वित्तीय संस्था, सार्वजनिक क्षेत्रातील उपक्रम इत्यादींद्वारे जारी केलेल्या सिक्युरिटीजचा समावेश असलेली साधने. हा पर्याय इष्टतम शिल्लक राखण्यासाठी मानला जातोतरलता, सुरक्षितता आणि उत्पन्न.
बँकिंग आणि PSUकर्ज निधी कर्ज निधीच्या शॉर्ट टर्म श्रेणीशी संबंधित आहे ज्याचा उद्देश सुरक्षित परतावा देणे आणि जोखीम कमी करणेगुंतवणूक बँका आणि सार्वजनिक क्षेत्रातील उपक्रमांद्वारे प्रामुख्याने जारी केलेल्या चांगल्या दर्जाच्या कर्ज साधनांमध्ये. अल्प कालावधीसाठी, आदर्शतः 2-3 वर्षांसाठी गुंतवणूक करण्यास इच्छुक असलेले गुंतवणूकदार या योजनेत गुंतवणूक करू शकतात.
2022 - 2023 मधील सर्वोत्तम कामगिरी करणारे बँकिंग आणि PSU कर्ज फंड येथे आहेत.
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टॉप परफॉर्मिंग बँकिंग आणि पीएसयू डेट फंड
Fund NAV Net Assets (Cr) 3 MO (%) 6 MO (%) 1 YR (%) 3 YR (%) 2025 (%) Debt Yield (YTM) Mod. Duration Eff. Maturity UTI Banking & PSU Debt Fund Growth ₹23.3766
↑ 0.02 ₹1,101 1.8 3.1 5.6 7.1 7.8 7.69% 9M 14D 10M 2D HDFC Banking and PSU Debt Fund Growth ₹24.3789
↑ 0.01 ₹5,255 2.5 3.1 4.9 7 7.5 7.78% 3Y 7D 4Y 1M 2D ICICI Prudential Banking and PSU Debt Fund Growth ₹34.8107
↑ 0.03 ₹8,823 2.3 3.1 5.4 7.2 7.6 7.9% 3Y 2M 16D 5Y 9M 29D Kotak Banking and PSU Debt fund Growth ₹69.543
↑ 0.04 ₹5,019 2.4 3.1 5.3 7.2 7.7 7.77% 2Y 9M 22D 3Y 6M 18D Aditya Birla Sun Life Banking & PSU Debt Fund Growth ₹387.549
↑ 0.21 ₹8,963 2.1 3 4.7 6.9 7.3 7.22% 3Y 18D 4Y 4M 28D Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 3 Aug 26 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 Kotak Banking and PSU Debt fund Aditya Birla Sun Life Banking & PSU Debt Fund Point 1 Bottom quartile AUM (₹1,101 Cr). Lower mid AUM (₹5,255 Cr). Upper mid AUM (₹8,823 Cr). Bottom quartile AUM (₹5,019 Cr). Highest AUM (₹8,963 Cr). Point 2 Established history (12+ yrs). Established history (12+ yrs). Established history (16+ yrs). Oldest track record among peers (27 yrs). Established history (18+ 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: Moderately Low. Risk profile: Moderate. Point 5 1Y return: 5.60% (top quartile). 1Y return: 4.93% (bottom quartile). 1Y return: 5.36% (upper mid). 1Y return: 5.32% (lower mid). 1Y return: 4.67% (bottom quartile). Point 6 1M return: 0.41% (top quartile). 1M return: 0.10% (upper mid). 1M return: 0.03% (bottom quartile). 1M return: 0.07% (lower mid). 1M return: 0.06% (bottom quartile). Point 7 Sharpe: 0.07 (upper mid). Sharpe: -0.11 (bottom quartile). Sharpe: 0.12 (top quartile). Sharpe: 0.04 (lower mid). Sharpe: -0.23 (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): 7.69% (bottom quartile). Yield to maturity (debt): 7.78% (upper mid). Yield to maturity (debt): 7.90% (top quartile). Yield to maturity (debt): 7.77% (lower mid). Yield to maturity (debt): 7.22% (bottom quartile). Point 10 Modified duration: 0.79 yrs (top quartile). Modified duration: 3.02 yrs (lower mid). Modified duration: 3.21 yrs (bottom quartile). Modified duration: 2.81 yrs (upper mid). Modified duration: 3.05 yrs (bottom quartile). UTI Banking & PSU Debt Fund
HDFC Banking and PSU Debt Fund
ICICI Prudential Banking and PSU Debt Fund
Kotak Banking and PSU Debt fund
Aditya Birla Sun Life Banking & PSU Debt Fund
शीर्ष 5 सर्वोत्तम कामगिरी करणारे बँकिंग आणि PSU डेट फंड
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 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 (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 1. UTI Banking & PSU Debt Fund
UTI Banking & PSU Debt Fund
Growth Launch Date 3 Feb 14 NAV (03 Aug 26) ₹23.3766 ↑ 0.02 (0.08 %) Net Assets (Cr) ₹1,101 on 30 Jun 26 Category Debt - Banking & PSU Debt AMC UTI Asset Management Company Ltd Rating ☆☆☆☆☆ Risk Moderate Expense Ratio 0.54 Sharpe Ratio 0.07 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 500 Exit Load NIL Yield to Maturity 7.69% Effective Maturity 10 Months 2 Days Modified Duration 9 Months 14 Days Growth of 10,000 investment over the years.
Date Value 31 Jul 21 ₹10,000 31 Jul 22 ₹10,934 31 Jul 23 ₹11,618 31 Jul 24 ₹12,450 31 Jul 25 ₹13,525 31 Jul 26 ₹14,278 Returns for UTI Banking & PSU Debt Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 3 Aug 26 Duration Returns 1 Month 0.4% 3 Month 1.8% 6 Month 3.1% 1 Year 5.6% 3 Year 7.1% 5 Year 7.4% 10 Year 15 Year Since launch 7% Historical performance (Yearly) on absolute basis
Year Returns 2025 7.8% 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% Fund Manager information for UTI Banking & PSU Debt Fund
Name Since Tenure Anurag Mittal 1 Dec 21 4.67 Yr. Data below for UTI Banking & PSU Debt Fund as on 30 Jun 26
Asset Allocation
Asset Class Value Cash 50.71% Debt 49.02% Other 0.27% Debt Sector Allocation
Sector Value Corporate 66.83% Government 18.17% Cash Equivalent 14.73% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity ICICI Bank Ltd.
Debentures | -5% ₹71 Cr 750,000,000 National Bank For Agriculture And Rural Development
Debentures | -4% ₹55 Cr 5,500
↑ 1,500 Axis Bank Limited
Debentures | -4% ₹55 Cr 550 7.38% Govt Stock 2027
Sovereign Bonds | -4% ₹51 Cr 500,000,000 Aditya Birla Housing Finance Limited
Debentures | -3% ₹40 Cr 4,000
↑ 4,000 National Housing Bank
Debentures | -3% ₹35 Cr 3,500 HDFC Bank Limited
Debentures | -2% ₹35 Cr 350 Indian Railway Finance Corporation Limited
Debentures | -2% ₹30 Cr 300 7.86% Karnataka Sdl 2027
Sovereign Bonds | -2% ₹25 Cr 250,000,000 Bharti Telecom Limited
Debentures | -2% ₹25 Cr 2,500
↑ 2,500 2. HDFC Banking and PSU Debt Fund
HDFC Banking and PSU Debt Fund
Growth Launch Date 26 Mar 14 NAV (03 Aug 26) ₹24.3789 ↑ 0.01 (0.06 %) Net Assets (Cr) ₹5,255 on 30 Jun 26 Category Debt - Banking & PSU Debt AMC HDFC Asset Management Company Limited Rating ☆☆☆☆☆ Risk Moderately Low Expense Ratio 0.78 Sharpe Ratio -0.11 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 300 Exit Load NIL Yield to Maturity 7.78% Effective Maturity 4 Years 1 Month 2 Days Modified Duration 3 Years 7 Days Growth of 10,000 investment over the years.
Date Value 31 Jul 21 ₹10,000 31 Jul 22 ₹10,267 31 Jul 23 ₹10,944 31 Jul 24 ₹11,743 31 Jul 25 ₹12,767 31 Jul 26 ₹13,398 Returns for HDFC Banking and PSU Debt Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 3 Aug 26 Duration Returns 1 Month 0.1% 3 Month 2.5% 6 Month 3.1% 1 Year 4.9% 3 Year 7% 5 Year 6% 10 Year 15 Year Since launch 7.5% Historical performance (Yearly) on absolute basis
Year Returns 2025 7.5% 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% Fund Manager information for HDFC Banking and PSU Debt Fund
Name Since Tenure Anil Bamboli 26 Mar 14 12.36 Yr. Dhruv Muchhal 22 Jun 23 3.11 Yr. Data below for HDFC Banking and PSU Debt Fund as on 30 Jun 26
Asset Allocation
Asset Class Value Cash 9.18% Debt 90.48% Other 0.34% Debt Sector Allocation
Sector Value Corporate 58.23% Government 34.52% Cash Equivalent 6.9% Credit Quality
Rating Value AA 1.77% AAA 98.23% Top Securities Holdings / Portfolio
Name Holding Value Quantity Indian Railway Finance Corporation Limited
Debentures | -4% ₹227 Cr 22,500 Indian Railway Finance Corporation Limited
Debentures | -3% ₹151 Cr 15,000 Bajaj Housing Finance Limited
Debentures | -3% ₹151 Cr 15,000 Rec Limited
Debentures | -3% ₹151 Cr 1,500 Housing And Urban Development Corporation Limited
Debentures | -2% ₹129 Cr 1,250 HDFC Bank Limited
Debentures | -2% ₹128 Cr 12,500 Power Finance Corporation Limited
Debentures | -2% ₹127 Cr 12,500 National Bank For Agriculture And Rural Development
Debentures | -2% ₹125 Cr 12,500 Punjab National Bank
Debentures | -2% ₹124 Cr 12,500 Bajaj Housing Finance Limited
Debentures | -2% ₹101 Cr 10,000 3. ICICI Prudential Banking and PSU Debt Fund
ICICI Prudential Banking and PSU Debt Fund
Growth Launch Date 1 Jan 10 NAV (03 Aug 26) ₹34.8107 ↑ 0.03 (0.08 %) Net Assets (Cr) ₹8,823 on 30 Jun 26 Category Debt - Banking & PSU Debt AMC ICICI Prudential Asset Management Company Limited Rating ☆☆☆☆ Risk Moderate Expense Ratio 0.74 Sharpe Ratio 0.12 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 100 Exit Load NIL Yield to Maturity 7.9% Effective Maturity 5 Years 9 Months 29 Days Modified Duration 3 Years 2 Months 16 Days Growth of 10,000 investment over the years.
Date Value 31 Jul 21 ₹10,000 31 Jul 22 ₹10,340 31 Jul 23 ₹11,109 31 Jul 24 ₹11,951 31 Jul 25 ₹12,969 31 Jul 26 ₹13,664 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 3 Aug 26 Duration Returns 1 Month 0% 3 Month 2.3% 6 Month 3.1% 1 Year 5.4% 3 Year 7.2% 5 Year 6.4% 10 Year 15 Year Since launch 7.8% Historical performance (Yearly) on absolute basis
Year Returns 2025 7.6% 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% Fund Manager information for ICICI Prudential Banking and PSU Debt Fund
Name Since Tenure Manish Banthia 13 Sep 24 1.88 Yr. Rohit Lakhotia 12 Jun 23 3.14 Yr. Data below for ICICI Prudential Banking and PSU Debt Fund as on 30 Jun 26
Asset Allocation
Asset Class Value Cash 4.82% Debt 94.83% Other 0.35% Debt Sector Allocation
Sector Value Corporate 62.94% Government 35.16% Cash Equivalent 1.55% Credit Quality
Rating Value AA 0.95% AAA 99.05% Top Securities Holdings / Portfolio
Name Holding Value Quantity National Bank For Agriculture And Rural Development
Debentures | -4% ₹375 Cr 37,500
↓ -5,000 LIC Housing Finance Ltd
Debentures | -4% ₹325 Cr 32,500 National Bank For Agriculture And Rural Development
Debentures | -3% ₹301 Cr 30,000 7.34% Govt Stock 2064
Sovereign Bonds | -3% ₹278 Cr 28,467,800
↓ -2,500,000 Rec Limited
Debentures | -3% ₹248 Cr 25,000 6.9% Govt Stock 2065
Sovereign Bonds | -3% ₹235 Cr 25,400,000 Power Finance Corporation Limited
Debentures | -3% ₹224 Cr 22,500
↓ -5,000 Mahanagar Telephone Nigam Limited
Debentures | -3% ₹222 Cr 22,500 Small Industries Development Bank Of India
Debentures | -2% ₹201 Cr 20,000 Small Industries Development Bank Of India
Debentures | -2% ₹200 Cr 20,000 4. Kotak Banking and PSU Debt fund
Kotak Banking and PSU Debt fund
Growth Launch Date 29 Dec 98 NAV (03 Aug 26) ₹69.543 ↑ 0.04 (0.05 %) Net Assets (Cr) ₹5,019 on 30 Jun 26 Category Debt - Banking & PSU Debt AMC Kotak Mahindra Asset Management Co Ltd Rating ☆☆☆☆ Risk Moderately Low Expense Ratio 0.76 Sharpe Ratio 0.04 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 1,000 Exit Load NIL Yield to Maturity 7.77% Effective Maturity 3 Years 6 Months 18 Days Modified Duration 2 Years 9 Months 22 Days Growth of 10,000 investment over the years.
Date Value 31 Jul 21 ₹10,000 31 Jul 22 ₹10,304 31 Jul 23 ₹10,995 31 Jul 24 ₹11,812 31 Jul 25 ₹12,851 31 Jul 26 ₹13,538 Returns for Kotak Banking and PSU Debt fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 3 Aug 26 Duration Returns 1 Month 0.1% 3 Month 2.4% 6 Month 3.1% 1 Year 5.3% 3 Year 7.2% 5 Year 6.2% 10 Year 15 Year Since launch Historical performance (Yearly) on absolute basis
Year Returns 2025 7.7% 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% Fund Manager information for Kotak Banking and PSU Debt fund
Name Since Tenure Deepak Agrawal 1 Aug 08 18.01 Yr. Dharmesh Thakkar 1 Jun 25 1.16 Yr. Data below for Kotak Banking and PSU Debt fund as on 30 Jun 26
Asset Allocation
Asset Class Value Cash 3.41% Debt 96.22% Other 0.37% Debt Sector Allocation
Sector Value Corporate 53.44% Government 43.27% Cash Equivalent 2.92% Credit Quality
Rating Value AA 2.99% AAA 97.01% Top Securities Holdings / Portfolio
Name Holding Value Quantity Power Finance Corporation Limited
Debentures | -7% ₹332 Cr 33,000 National Bank for Financing Infrastructure & Development 0.0737%
Domestic Bonds | -4% ₹199 Cr 20,000 Indian Oil Corporation Limited
Debentures | -4% ₹191 Cr 19,000 6.98% Gujarat Sgs 2032
Sovereign Bonds | -3% ₹171 Cr 17,217,580 Power Grid Corporation Of India Limited
Debentures | -3% ₹162 Cr 20,004 HDFC Bank Limited
Debentures | -3% ₹153 Cr 1,500 Rec Limited
Debentures | -3% ₹152 Cr 15,000 7.17% Gujarat Sgs 2032
Sovereign Bonds | -3% ₹150 Cr 15,000,000 State Bank Of India
Debentures | -3% ₹144 Cr 1,450 Rural Electrification Corporation Limited
Debentures | -3% ₹131 Cr 13,000 5. Aditya Birla Sun Life Banking & PSU Debt Fund
Aditya Birla Sun Life Banking & PSU Debt Fund
Growth Launch Date 9 May 08 NAV (03 Aug 26) ₹387.549 ↑ 0.21 (0.05 %) Net Assets (Cr) ₹8,963 on 30 Jun 26 Category Debt - Banking & PSU Debt AMC Birla Sun Life Asset Management Co Ltd Rating ☆☆☆☆ Risk Moderate Expense Ratio 0.73 Sharpe Ratio -0.23 Information Ratio 0 Alpha Ratio 0 Min Investment 1,000 Min SIP Investment 1,000 Exit Load NIL Yield to Maturity 7.22% Effective Maturity 4 Years 4 Months 28 Days Modified Duration 3 Years 18 Days Growth of 10,000 investment over the years.
Date Value 31 Jul 21 ₹10,000 31 Jul 22 ₹10,297 31 Jul 23 ₹10,967 31 Jul 24 ₹11,767 31 Jul 25 ₹12,795 31 Jul 26 ₹13,396 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 3 Aug 26 Duration Returns 1 Month 0.1% 3 Month 2.1% 6 Month 3% 1 Year 4.7% 3 Year 6.9% 5 Year 6% 10 Year 15 Year Since launch 7.7% Historical performance (Yearly) on absolute basis
Year Returns 2025 7.3% 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% Fund Manager information for Aditya Birla Sun Life Banking & PSU Debt Fund
Name Since Tenure Kaustubh Gupta 29 Sep 09 16.85 Yr. Harshil Suvarnkar 22 Mar 21 5.36 Yr. Data below for Aditya Birla Sun Life Banking & PSU Debt Fund as on 30 Jun 26
Asset Allocation
Asset Class Value Cash 17.37% Debt 82.63% Debt Sector Allocation
Sector Value Corporate 54.9% Government 38.87% Cash Equivalent 6.23% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity National Bank For Agriculture And Rural Development
Debentures | -5% ₹430 Cr 43,000 REC Ltd. 7.17%
Debentures | -3% ₹224 Cr 22,500
↑ 22,500 Indian Railway Finance Corporation Limited
Debentures | -2% ₹196 Cr 20,000 Rec Limited
Debentures | -2% ₹190 Cr 19,000 HDFC Bank Limited
Debentures | -2% ₹184 Cr 1,800 State Bank Of India
Debentures | -2% ₹161 Cr 160 Indian Railway Finance Corporation Limited
Debentures | -2% ₹160 Cr 16,250 National Bank for Financing Infrastructure & Development 7.66%
Domestic Bonds | -2% ₹151 Cr 15,000 Power Finance Corporation Limited
Debentures | -2% ₹151 Cr 15,000 SHIVSHAKTI SECURITISATION TRUST
Unlisted bonds | -2% ₹142 Cr 145
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Research Highlights for UTI Banking & PSU Debt Fund