टॉप 5 सर्वोत्कृष्ट बँकिंग आणि PSU डेट फंड 2022

Updated on September 22, 2025 , 20914 views

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 (%)	2024 (%)	Debt Yield (YTM)	Mod. Duration	Eff. Maturity
UTI Banking & PSU Debt Fund Growth	₹22.2816 ↑ 0.01	₹813	1.3	4.4	8	7.5	7.6	6.61%	1Y 8M 12D	1Y 11M 8D
HDFC Banking and PSU Debt Fund Growth	₹23.2891 ↑ 0.01	₹5,890	0.8	4.1	7.5	7.4	7.9	6.94%	3Y 5M 5D	4Y 11M 19D
ICICI Prudential Banking and PSU Debt Fund Growth	₹33.1666 ↑ 0.02	₹9,788	1	3.9	7.8	7.6	7.9	6.98%	3Y 2M 12D	6Y 11D
Aditya Birla Sun Life Banking & PSU Debt Fund Growth	₹371.161 ↑ 0.10	₹9,180	0.9	4	7.5	7.4	7.9	7.05%	3Y 9M 29D	5Y 3M 11D
Kotak Banking and PSU Debt fund Growth	₹66.1798 ↑ 0.03	₹5,795	0.8	3.9	7.4	7.5	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 25 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: 7.97% (top quartile).	1Y return: 7.52% (bottom quartile).	1Y return: 7.83% (upper mid).	1Y return: 7.54% (lower mid).	1Y return: 7.45% (bottom quartile).
Point 6	1M return: 0.49% (top quartile).	1M return: 0.38% (bottom quartile).	1M return: 0.44% (upper mid).	1M return: 0.41% (lower mid).	1M return: 0.39% (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

Bottom quartile AUM (₹813 Cr).
Established history (11+ yrs).
Top rated.
Risk profile: Moderate.
1Y return: 7.97% (top quartile).
1M return: 0.49% (top quartile).
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: 7.52% (bottom quartile).
1M return: 0.38% (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: 7.83% (upper mid).
1M return: 0.44% (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: 7.54% (lower mid).
1M return: 0.41% (lower mid).
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: 7.45% (bottom quartile).
1M return: 0.39% (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).

शीर्ष 5 सर्वोत्तम कामगिरी करणारे बँकिंग आणि PSU डेट फंड

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: 7.97% (top quartile).
1M return: 0.49% (top quartile).
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 (~95%).
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 (25 Sep 25)	₹22.2816 ↑ 0.01 (0.04 %)
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
31 Aug 20	₹10,000
31 Aug 21	₹10,410
31 Aug 22	₹11,443
31 Aug 23	₹12,099
31 Aug 24	₹12,985
31 Aug 25	₹14,048

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 25 Sep 25

Duration	Returns
1 Month	0.5%
3 Month	1.3%
6 Month	4.4%
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	4.85%
Debt	94.83%
Other	0.33%

Debt Sector Allocation

Sector	Value
Corporate	54.99%
Government	39.84%
Cash Equivalent	4.85%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
7.38% Govt Stock 2027 Sovereign Bonds \| -	11%	₹93 Cr	900,000,000
Axis Bank Limited Debentures \| -	7%	₹56 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%	₹31 Cr	3,000

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: 7.52% (bottom quartile).
1M return: 0.38% (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 (~95%).
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 (25 Sep 25)	₹23.2891 ↑ 0.01 (0.03 %)
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
31 Aug 20	₹10,000
31 Aug 21	₹10,570
31 Aug 22	₹10,862
31 Aug 23	₹11,559
31 Aug 24	₹12,425
31 Aug 25	₹13,391

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 25 Sep 25

Duration	Returns
1 Month	0.4%
3 Month	0.8%
6 Month	4.1%
1 Year	7.5%
3 Year	7.4%
5 Year	6%
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	4.32%
Debt	95.39%
Other	0.29%

Debt Sector Allocation

Sector	Value
Corporate	53.62%
Government	41.77%
Cash Equivalent	4.32%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Indian Railway Finance Corporation Limited Debentures \| -	5%	₹281 Cr	27,500
Small Industries Development Bank Of India Debentures \| -	4%	₹226 Cr	22,500
Indian Railway Finance Corporation Limited Debentures \| -	3%	₹205 Cr	20,000
7.18% Govt Stock 2033 Sovereign Bonds \| -	3%	₹197 Cr	19,000,000
Bajaj Housing Finance Limited Debentures \| -	3%	₹153 Cr	15,000
Rec Limited Debentures \| -	3%	₹153 Cr	1,500
Housing And Urban Development Corporation Limited Debentures \| -	3%	₹152 Cr	15,000
7.26% Govt Stock 2033 Sovereign Bonds \| -	3%	₹151 Cr	14,500,000
State Bank Of India Debentures \| -	2%	₹146 Cr	145
Housing And Urban Development Corporation Limited Debentures \| -	2%	₹132 Cr	1,250

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: 7.83% (upper mid).
1M return: 0.44% (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 (~93%).
High-quality debt (AAA/AA ~99%).
Largest holding LIC Housing Finance Ltd (~4.4%).

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 (25 Sep 25)	₹33.1666 ↑ 0.02 (0.05 %)
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
31 Aug 20	₹10,000
31 Aug 21	₹10,603
31 Aug 22	₹10,988
31 Aug 23	₹11,772
31 Aug 24	₹12,656
31 Aug 25	₹13,643

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 25 Sep 25

Duration	Returns
1 Month	0.4%
3 Month	1%
6 Month	3.9%
1 Year	7.8%
3 Year	7.6%
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	6.49%
Debt	93.22%
Other	0.28%

Debt Sector Allocation

Sector	Value
Corporate	61.74%
Government	31.95%
Cash Equivalent	6.03%

Credit Quality

Rating	Value
AAA	99.19%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
LIC Housing Finance Ltd Debentures \| -	4%	₹457 Cr	45,000
6.79% Govt Stock 2034 Sovereign Bonds \| -	4%	₹446 Cr	43,686,860 ↑ 19,196,000
National Bank For Agriculture And Rural Development Debentures \| -	4%	₹434 Cr	43,000 ↓ -5,000
HDFC Bank Limited Debentures \| -	4%	₹395 Cr	38,300
7.34% Govt Stock 2064 Sovereign Bonds \| -	4%	₹370 Cr	36,467,800
State Bank Of India Debentures \| -	3%	₹340 Cr	3,400
7.81% Govt Stock 2033 Sovereign Bonds \| -	2%	₹237 Cr	22,847,830
Mahanagar Telephone Nigam Limited Debentures \| -	2%	₹224 Cr	22,500
Small Industries Development Bank Of India Debentures \| -	2%	₹204 Cr	20,000
National Bank For Agriculture And Rural Development Debentures \| -	2%	₹203 Cr	20,000 ↓ -5,000

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: 7.54% (lower mid).
1M return: 0.41% (lower mid).
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 (25 Sep 25)	₹371.161 ↑ 0.10 (0.03 %)
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
31 Aug 20	₹10,000
31 Aug 21	₹10,584
31 Aug 22	₹10,897
31 Aug 23	₹11,591
31 Aug 24	₹12,460
31 Aug 25	₹13,430

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 25 Sep 25

Duration	Returns
1 Month	0.4%
3 Month	0.9%
6 Month	4%
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	5.53%
Debt	94.18%
Other	0.29%

Debt Sector Allocation

Sector	Value
Corporate	58.56%
Government	37.04%
Cash Equivalent	4.11%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Power Grid Corporation Of India Limited Debentures \| -	4%	₹369 Cr	37,000
Power Finance Corporation Limited Debentures \| -	3%	₹303 Cr	30,000
Power Finance Corporation Limited Debentures \| -	3%	₹256 Cr	25,000
Small Industries Development Bank Of India Debentures \| -	3%	₹246 Cr	24,500
National Housing Bank Debentures \| -	2%	₹224 Cr	22,500
State Bank Of India Debentures \| -	2%	₹213 Cr	210
7.1% Govt Stock 2034 Sovereign Bonds \| -	2%	₹209 Cr	20,124,000 ↓ -2,000,000
National Bank For Agriculture And Rural Development Debentures \| -	2%	₹203 Cr	20,000
Indian Railway Finance Corporation Limited Debentures \| -	2%	₹198 Cr	20,000
HDFC Bank Limited Debentures \| -	2%	₹188 Cr	1,800

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: 7.45% (bottom quartile).
1M return: 0.39% (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 (~97%).
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 (25 Sep 25)	₹66.1798 ↑ 0.03 (0.05 %)
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
31 Aug 20	₹10,000
31 Aug 21	₹10,564
31 Aug 22	₹10,890
31 Aug 23	₹11,597
31 Aug 24	₹12,490
31 Aug 25	₹13,464

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 25 Sep 25

Duration	Returns
1 Month	0.4%
3 Month	0.8%
6 Month	3.9%
1 Year	7.4%
3 Year	7.5%
5 Year	6.1%
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	17.1 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	2.88%
Debt	96.83%
Other	0.3%

Debt Sector Allocation

Sector	Value
Corporate	57.89%
Government	38.93%
Cash Equivalent	2.88%

Credit Quality

Rating	Value
AA	2.6%
AAA	97.4%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
7.18% Govt Stock 2033 Sovereign Bonds \| -	7%	₹409 Cr	39,343,730
Power Finance Corporation Limited Debentures \| -	6%	₹338 Cr	33,000
National Housing Bank Debentures \| -	4%	₹224 Cr	22,500
Indian Oil Corporation Limited Debentures \| -	3%	₹195 Cr	19,000
Power Grid Corporation Of India Limited Debentures \| -	3%	₹184 Cr	20,002
National Bank For Agriculture And Rural Development Debentures \| -	3%	₹163 Cr	16,000 ↑ 5,000
HDFC Bank Limited Debentures \| -	3%	₹157 Cr	1,500
Rec Limited Debentures \| -	3%	₹154 Cr	15,000
State Bank Of India Debentures \| -	2%	₹142 Cr	1,450
Small Industries Development Bank Of India Debentures \| -	2%	₹139 Cr	13,500

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