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Top 5 Debt - Banking & PSU Debt Funds
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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Fund NAV Net Assets (Cr) 3 MO (%) 6 MO (%) 1 YR (%) 3 YR (%) 2024 (%) Debt Yield (YTM) Mod. Duration Eff. Maturity HDFC Banking and PSU Debt Fund Growth ₹23.0262
↑ 0.03 ₹6,007 3.5 5.2 9.6 7.5 7.9 6.93% 3Y 11M 1D 5Y 6M 18D UTI Banking & PSU Debt Fund Growth ₹21.8697
↑ 0.01 ₹792 3.2 4.9 9.1 7.5 7.6 6.75% 2Y 7D 2Y 3M 25D DSP BlackRock Banking and PSU Debt Fund Growth ₹24.1696
↑ 0.02 ₹3,666 3.9 5.3 10 7.7 8.6 6.86% 5Y 1M 17D 9Y 10M 2D Kotak Banking and PSU Debt fund Growth ₹65.4586
↑ 0.08 ₹6,013 3.5 5.2 9.7 7.7 8 6.97% 3Y 8M 16D 5Y 5M 23D Aditya Birla Sun Life Banking & PSU Debt Fund Growth ₹367.048
↑ 0.37 ₹8,826 3.5 5.2 9.7 7.6 7.9 6.91% 3Y 9M 18D 5Y 7D Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 20 May 25
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. HDFC Banking and PSU Debt Fund is a Debt - Banking & PSU Debt fund was launched on 26 Mar 14. It is a fund with Moderately Low risk and has given a 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 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). UTI Banking & PSU Debt Fund is a Debt - Banking & PSU Debt fund was launched on 3 Feb 14. It is a fund with Moderate risk and has given a Below is the key information for UTI Banking & PSU Debt Fund Returns up to 1 year are on The investment objective of the Scheme is to seek to generate income and capital appreciation by primarily investing in a portfolio of high quality debt and money market securities that are issued by banks and public sector entities/undertakings. DSP BlackRock Banking and PSU Debt Fund is a Debt - Banking & PSU Debt fund was launched on 14 Sep 13. It is a fund with Moderate risk and has given a Below is the key information for DSP BlackRock 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. Kotak Banking and PSU Debt fund is a Debt - Banking & PSU Debt fund was launched on 29 Dec 98. It is a fund with Moderately Low risk and has given a 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. Aditya Birla Sun Life Banking & PSU Debt Fund is a Debt - Banking & PSU Debt fund was launched on 9 May 08. It is a fund with Moderate risk and has given a Below is the key information for Aditya Birla Sun Life Banking & PSU Debt Fund Returns up to 1 year are on 1. HDFC Banking and PSU Debt Fund
CAGR/Annualized
return of 7.8% since its launch. Ranked 6 in Banking & PSU Debt
category. Return for 2024 was 7.9% , 2023 was 6.8% and 2022 was 3.3% . HDFC Banking and PSU Debt Fund
Growth Launch Date 26 Mar 14 NAV (20 May 25) ₹23.0262 ↑ 0.03 (0.11 %) Net Assets (Cr) ₹6,007 on 30 Apr 25 Category Debt - Banking & PSU Debt AMC HDFC Asset Management Company Limited Rating ☆☆☆☆☆ Risk Moderately Low Expense Ratio 0.79 Sharpe Ratio 1.86 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 300 Exit Load NIL Yield to Maturity 6.93% Effective Maturity 5 Years 6 Months 18 Days Modified Duration 3 Years 11 Months 1 Day Growth of 10,000 investment over the years.
Date Value 30 Apr 20 ₹10,000 30 Apr 21 ₹10,931 30 Apr 22 ₹11,339 30 Apr 23 ₹11,924 30 Apr 24 ₹12,718 30 Apr 25 ₹13,912 Returns for HDFC Banking and PSU Debt Fund
absolute basis
& more than 1 year are on CAGR (Compound Annual Growth Rate)
basis. as on 20 May 25 Duration Returns 1 Month 1% 3 Month 3.5% 6 Month 5.2% 1 Year 9.6% 3 Year 7.5% 5 Year 6.6% 10 Year 15 Year Since launch 7.8% 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 11.11 Yr. Dhruv Muchhal 22 Jun 23 1.86 Yr. Data below for HDFC Banking and PSU Debt Fund as on 30 Apr 25
Asset Allocation
Asset Class Value Cash 14.37% Debt 85.38% Other 0.25% Debt Sector Allocation
Sector Value Government 45.44% Corporate 41.45% Cash Equivalent 12.86% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity 7.18% Govt Stock 2033
Sovereign Bonds | -5% ₹290 Cr 29,000,000
↑ 10,000,000 Indian Railway Finance Corporation Limited
Debentures | -4% ₹274 Cr 27,500 HDFC Bank Limited
Debentures | -4% ₹229 Cr 23,000
↑ 23,000 Small Industries Development Bank Of India
Debentures | -4% ₹224 Cr 22,500 7.26% Govt Stock 2033
Sovereign Bonds | -3% ₹216 Cr 21,500,000
↑ 4,500,000 Indian Railway Finance Corporation Limited
Debentures | -3% ₹200 Cr 20,000 7.1% Govt Stock 2029
Sovereign Bonds | -3% ₹194 Cr 19,500,000
↑ 19,500,000 Power Finance Corporation Ltd.
Debentures | -2% ₹150 Cr 15,000
↑ 2,500 Rural Electrification Corporation Limited
Debentures | -2% ₹149 Cr 1,500 National Bank For Agriculture And Rural Development
Debentures | -2% ₹149 Cr 1,500
↑ 1,500 2. UTI Banking & PSU Debt Fund
CAGR/Annualized
return of 7.2% since its launch. Ranked 3 in Banking & PSU Debt
category. Return for 2024 was 7.6% , 2023 was 6.7% and 2022 was 10.3% . UTI Banking & PSU Debt Fund
Growth Launch Date 3 Feb 14 NAV (20 May 25) ₹21.8697 ↑ 0.01 (0.06 %) Net Assets (Cr) ₹792 on 30 Apr 25 Category Debt - Banking & PSU Debt AMC UTI Asset Management Company Ltd Rating ☆☆☆☆☆ Risk Moderate Expense Ratio 0.55 Sharpe Ratio 2.05 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 500 Exit Load NIL Yield to Maturity 6.75% Effective Maturity 2 Years 3 Months 25 Days Modified Duration 2 Years 7 Days Growth of 10,000 investment over the years.
Date Value 30 Apr 20 ₹10,000 30 Apr 21 ₹10,668 30 Apr 22 ₹10,968 30 Apr 23 ₹12,344 30 Apr 24 ₹13,104 30 Apr 25 ₹14,269 Returns for UTI Banking & PSU Debt Fund
absolute basis
& more than 1 year are on CAGR (Compound Annual Growth Rate)
basis. as on 20 May 25 Duration Returns 1 Month 1.1% 3 Month 3.2% 6 Month 4.9% 1 Year 9.1% 3 Year 7.5% 5 Year 7.2% 10 Year 15 Year Since launch 7.2% 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 3.41 Yr. Data below for UTI Banking & PSU Debt Fund as on 30 Apr 25
Asset Allocation
Asset Class Value Cash 3.28% Debt 96.39% Other 0.33% Debt Sector Allocation
Sector Value Corporate 53.03% Government 43.37% Cash Equivalent 3.28% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity 7.38% Govt Stock 2027
Sovereign Bonds | -12% ₹92 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 | -5% ₹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 National Bank For Agriculture And Rural Development
Debentures | -3% ₹26 Cr 250 3. DSP BlackRock Banking and PSU Debt Fund
CAGR/Annualized
return of 7.8% since its launch. Ranked 20 in Banking & PSU Debt
category. Return for 2024 was 8.6% , 2023 was 6.7% and 2022 was 3.2% . DSP BlackRock Banking and PSU Debt Fund
Growth Launch Date 14 Sep 13 NAV (20 May 25) ₹24.1696 ↑ 0.02 (0.09 %) Net Assets (Cr) ₹3,666 on 30 Apr 25 Category Debt - Banking & PSU Debt AMC DSP BlackRock Invmt Managers Pvt. Ltd. Rating ☆☆☆☆ Risk Moderate Expense Ratio 0.58 Sharpe Ratio 1.65 Information Ratio 0 Alpha Ratio 0 Min Investment 1,000 Min SIP Investment 500 Exit Load 0-1 Months (0.25%),1 Months and above(NIL) Yield to Maturity 6.86% Effective Maturity 9 Years 10 Months 2 Days Modified Duration 5 Years 1 Month 17 Days Growth of 10,000 investment over the years.
Date Value 30 Apr 20 ₹10,000 30 Apr 21 ₹10,798 30 Apr 22 ₹11,128 30 Apr 23 ₹11,704 30 Apr 24 ₹12,486 30 Apr 25 ₹13,743 Returns for DSP BlackRock Banking and PSU Debt Fund
absolute basis
& more than 1 year are on CAGR (Compound Annual Growth Rate)
basis. as on 20 May 25 Duration Returns 1 Month 1.2% 3 Month 3.9% 6 Month 5.3% 1 Year 10% 3 Year 7.7% 5 Year 6.4% 10 Year 15 Year Since launch 7.8% Historical performance (Yearly) on absolute basis
Year Returns 2024 8.6% 2023 6.7% 2022 3.2% 2021 3.1% 2020 10.9% 2019 9.9% 2018 6.3% 2017 5.4% 2016 10.6% 2015 8.6% Fund Manager information for DSP BlackRock Banking and PSU Debt Fund
Name Since Tenure Sandeep Yadav 1 Aug 24 0.75 Yr. Shantanu Godambe 1 Jun 23 1.92 Yr. Data below for DSP BlackRock Banking and PSU Debt Fund as on 30 Apr 25
Asset Allocation
Asset Class Value Cash 9.04% Debt 90.74% Other 0.23% Debt Sector Allocation
Sector Value Corporate 50.84% Government 48.06% Cash Equivalent 0.88% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity 7.3% Govt Stock 2053
Sovereign Bonds | -9% ₹302 Cr 28,000,000 8.17% Govt Stock 2044
Sovereign Bonds | -5% ₹178 Cr 15,000,000
↑ 6,500,000 7.34% Govt Stock 2064
Sovereign Bonds | -5% ₹165 Cr 15,000,000
↑ 5,000,000 Small Industries Development Bank Of India
Debentures | -4% ₹132 Cr 12,500 Power Grid Corporation Of India Limited
Debentures | -3% ₹112 Cr 1,050 National Bank for Agriculture and Rural Development
Domestic Bonds | -3% ₹110 Cr 10,000 Indian Railway Finance Corporation Limited
Debentures | -3% ₹109 Cr 1,000 State Bank Of India
Debentures | -3% ₹108 Cr 100 GAil (India) Limited
Debentures | -3% ₹104 Cr 1,000 Bajaj Finance Ltd.
Debentures | -3% ₹100 Cr 10,000
↑ 10,000 4. Kotak Banking and PSU Debt fund
CAGR/Annualized
return of since its launch. Ranked 19 in Banking & PSU Debt
category. Return for 2024 was 8% , 2023 was 6.8% and 2022 was 3.6% . Kotak Banking and PSU Debt fund
Growth Launch Date 29 Dec 98 NAV (20 May 25) ₹65.4586 ↑ 0.08 (0.13 %) Net Assets (Cr) ₹6,013 on 30 Apr 25 Category Debt - Banking & PSU Debt AMC Kotak Mahindra Asset Management Co Ltd Rating ☆☆☆☆ Risk Moderately Low Expense Ratio 0.81 Sharpe Ratio 1.94 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 1,000 Exit Load NIL Yield to Maturity 6.97% Effective Maturity 5 Years 5 Months 23 Days Modified Duration 3 Years 8 Months 16 Days Growth of 10,000 investment over the years.
Date Value 30 Apr 20 ₹10,000 30 Apr 21 ₹10,857 30 Apr 22 ₹11,314 30 Apr 23 ₹11,929 30 Apr 24 ₹12,718 30 Apr 25 ₹13,928 Returns for Kotak Banking and PSU Debt fund
absolute basis
& more than 1 year are on CAGR (Compound Annual Growth Rate)
basis. as on 20 May 25 Duration Returns 1 Month 1% 3 Month 3.5% 6 Month 5.2% 1 Year 9.7% 3 Year 7.7% 5 Year 6.6% 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 16.76 Yr. Abhishek Bisen 1 Nov 22 2.5 Yr. Data below for Kotak Banking and PSU Debt fund as on 30 Apr 25
Asset Allocation
Asset Class Value Cash 2.37% Debt 97.35% Other 0.28% Debt Sector Allocation
Sector Value Corporate 54.02% Government 43.33% Cash Equivalent 2.37% Credit Quality
Rating Value AA 2.51% AAA 97.49% Top Securities Holdings / Portfolio
Name Holding Value Quantity 7.18% Govt Stock 2033
Sovereign Bonds | -9% ₹501 Cr 47,843,730
↓ -300,000 7.1% Govt Stock 2034
Sovereign Bonds | -7% ₹390 Cr 37,336,520
↓ -2,450,000 Power Finance Corp Ltd. 0.076%
Debentures | -6% ₹336 Cr 33,000 National Bank For Agriculture And Rural Development
Debentures | -5% ₹291 Cr 28,700
↑ 7,500 Power Grid Corporation Of India Limited
Debentures | -3% ₹185 Cr 20,002 7.81% Govt Stock 2033
Sovereign Bonds | -3% ₹181 Cr 17,432,280
↓ -4,000,000 HDFC Bank Limited
Debentures | -3% ₹157 Cr 1,500 Rural Electrification Corporation Limited
Debentures | -3% ₹156 Cr 15,000 State Bank Of India
Debentures | -2% ₹143 Cr 1,450 Small Industries Development Bank Of India
Debentures | -2% ₹138 Cr 13,500 5. Aditya Birla Sun Life Banking & PSU Debt Fund
CAGR/Annualized
return of 7.9% since its launch. Ranked 9 in Banking & PSU Debt
category. Return for 2024 was 7.9% , 2023 was 6.9% and 2022 was 3.7% . Aditya Birla Sun Life Banking & PSU Debt Fund
Growth Launch Date 9 May 08 NAV (20 May 25) ₹367.048 ↑ 0.37 (0.10 %) Net Assets (Cr) ₹8,826 on 30 Apr 25 Category Debt - Banking & PSU Debt AMC Birla Sun Life Asset Management Co Ltd Rating ☆☆☆☆ Risk Moderate Expense Ratio 0.7 Sharpe Ratio 2 Information Ratio 0 Alpha Ratio 0 Min Investment 1,000 Min SIP Investment 1,000 Exit Load NIL Yield to Maturity 6.91% Effective Maturity 5 Years 7 Days Modified Duration 3 Years 9 Months 18 Days Growth of 10,000 investment over the years.
Date Value 30 Apr 20 ₹10,000 30 Apr 21 ₹10,866 30 Apr 22 ₹11,288 30 Apr 23 ₹11,880 30 Apr 24 ₹12,663 30 Apr 25 ₹13,865 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 20 May 25 Duration Returns 1 Month 1% 3 Month 3.5% 6 Month 5.2% 1 Year 9.7% 3 Year 7.6% 5 Year 6.6% 10 Year 15 Year Since launch 7.9% 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 15.6 Yr. Harshil Suvarnkar 22 Mar 21 4.11 Yr. Data below for Aditya Birla Sun Life Banking & PSU Debt Fund as on 30 Apr 25
Asset Allocation
Asset Class Value Cash 7.98% Debt 91.72% Other 0.31% Debt Sector Allocation
Sector Value Corporate 64.42% Government 32.05% Cash Equivalent 3.22% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity Power Finance Corporation Ltd.
Debentures | -4% ₹303 Cr 30,000 Power Finance Corp Ltd. 7.6%
Debentures | -3% ₹255 Cr 25,000 Small Industries Development Bank Of India
Debentures | -3% ₹246 Cr 24,500 7.1% Govt Stock 2034
Sovereign Bonds | -3% ₹221 Cr 21,124,000
↑ 1,120,000 State Bank Of India
Debentures | -2% ₹214 Cr 210 National Bank For Agriculture And Rural Development
Debentures | -2% ₹203 Cr 20,000
↑ 2,500 7.48% National Bank For Agriculture And Rural Development
Debentures | -2% ₹203 Cr 20,000
↑ 20,000 REC Ltd. 7.71%
Debentures | -2% ₹197 Cr 19,500 Small Industries Development Bank Of India
Debentures | -2% ₹177 Cr 17,500 Rural Electrification Corporation Limited
Debentures | -2% ₹176 Cr 17,500
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