ਸਿਖਰ ਦੇ 5 ਸਰਵੋਤਮ ਬੈਂਕਿੰਗ ਅਤੇ PSU ਰਿਣ ਫੰਡ 2022

Updated on October 26, 2026 , 21928 views

ਬੈਂਕਿੰਗ ਅਤੇ PSU ਰਿਣ ਫੰਡ ਭਾਰਤੀ ਪ੍ਰਤੀਭੂਤੀਆਂ ਅਤੇ ਐਕਸਚੇਂਜ ਬੋਰਡ ਦੁਆਰਾ ਪੇਸ਼ ਕੀਤੀ ਨਵੀਂ ਉਪ-ਸ਼੍ਰੇਣੀ ਹਨ (ਸੇਬੀ) ਕਰਜ਼ੇ ਵਿੱਚਮਿਉਚੁਅਲ ਫੰਡ ਸ਼੍ਰੇਣੀ। ਇਹ ਫੰਡ ਮੁੱਖ ਤੌਰ 'ਤੇ ਕਰਜ਼ੇ ਵਿੱਚ ਨਿਵੇਸ਼ ਕਰਦੇ ਹਨ ਅਤੇਪੈਸੇ ਦੀ ਮਾਰਕੀਟ ਬੈਂਕਾਂ, ਜਨਤਕ ਵਿੱਤੀ ਸੰਸਥਾਵਾਂ, ਪਬਲਿਕ ਸੈਕਟਰ ਅੰਡਰਟੇਕਿੰਗਜ਼ ਆਦਿ ਵਰਗੀਆਂ ਸੰਸਥਾਵਾਂ ਦੁਆਰਾ ਜਾਰੀ ਪ੍ਰਤੀਭੂਤੀਆਂ ਵਾਲੇ ਯੰਤਰ। ਇਸ ਵਿਕਲਪ ਨੂੰ ਸਰਵੋਤਮ ਸੰਤੁਲਨ ਬਣਾਈ ਰੱਖਣ ਲਈ ਮੰਨਿਆ ਜਾਂਦਾ ਹੈ।ਤਰਲਤਾ, ਸੁਰੱਖਿਆ, ਅਤੇ ਉਪਜ।

ਬੈਂਕਿੰਗ ਅਤੇ ਪੀ.ਐੱਸ.ਯੂਕਰਜ਼ਾ ਫੰਡ ਕਰਜ਼ੇ ਫੰਡਾਂ ਦੀ ਛੋਟੀ ਮਿਆਦ ਦੀ ਸ਼੍ਰੇਣੀ ਨਾਲ ਸਬੰਧਤ ਹੈ ਜਿਸਦਾ ਉਦੇਸ਼ ਸੁਰੱਖਿਅਤ ਰਿਟਰਨ ਦੀ ਪੇਸ਼ਕਸ਼ ਕਰਨਾ ਅਤੇ ਜੋਖਮ ਨੂੰ ਘੱਟ ਕਰਨਾ ਹੈਨਿਵੇਸ਼ ਚੰਗੀ-ਗੁਣਵੱਤਾ ਵਾਲੇ ਕਰਜ਼ੇ ਦੇ ਯੰਤਰਾਂ ਵਿੱਚ ਮੁੱਖ ਤੌਰ 'ਤੇ ਬੈਂਕਾਂ ਅਤੇ ਜਨਤਕ ਖੇਤਰ ਦੇ ਅਦਾਰਿਆਂ ਦੁਆਰਾ ਜਾਰੀ ਕੀਤੇ ਜਾਂਦੇ ਹਨ। ਨਿਵੇਸ਼ਕ ਜੋ ਥੋੜ੍ਹੇ ਸਮੇਂ ਲਈ ਨਿਵੇਸ਼ ਕਰਨ ਦੇ ਚਾਹਵਾਨ ਹਨ, ਆਦਰਸ਼ਕ ਤੌਰ 'ਤੇ 2-3 ਸਾਲਾਂ ਲਈ ਇਸ ਸਕੀਮ ਵਿੱਚ ਨਿਵੇਸ਼ ਕਰ ਸਕਦੇ ਹਨ।

ਇੱਥੇ ਕੁਝ ਵਧੀਆ ਪ੍ਰਦਰਸ਼ਨ ਕਰਨ ਵਾਲੇ ਬੈਂਕਿੰਗ ਅਤੇ PSU ਰਿਣ ਫੰਡ 2022 - 2023 ਹਨ।

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ਟਾਪ ਪਰਫਾਰਮਿੰਗ ਬੈਂਕਿੰਗ ਅਤੇ PSU ਰਿਣ ਫੰਡ

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	₹23.6538 ↓ 0.00	₹1,448	1.3	3	5.5	7.2	7.8	6.94%	5M 5D	5M 12D
HDFC Banking and PSU Debt Fund Growth	₹24.1952 ↓ 0.00	₹5,055	-0.7	1.5	2.9	6.3	7.5	7.73%	2Y 9M 14D	3Y 9M
ICICI Prudential Banking and PSU Debt Fund Growth	₹34.6461 ↑ 0.00	₹8,041	-0.4	1.7	3.6	6.5	7.6	7.82%	3Y 1M 24D	5Y 7M 2D
Kotak Banking and PSU Debt fund Growth	₹69.171 ↓ 0.00	₹4,761	-0.5	1.6	3.5	6.6	7.7	7.44%	2Y 4M 20D	3Y 10M 13D
Aditya Birla Sun Life Banking & PSU Debt Fund Growth	₹385.961 ↓ -0.01	₹8,439	-0.4	1.5	3	6.4	7.3	7.5%	2Y 3M 7D	2Y 10M 17D
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 28 Oct 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 (₹1,448 Cr).	Lower mid AUM (₹5,055 Cr).	Upper mid AUM (₹8,041 Cr).	Bottom quartile AUM (₹4,761 Cr).	Highest AUM (₹8,439 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: 5.45% (top quartile).	1Y return: 2.95% (bottom quartile).	1Y return: 3.64% (upper mid).	1Y return: 3.54% (lower mid).	1Y return: 3.05% (bottom quartile).
Point 6	1M return: 0.27% (top quartile).	1M return: -0.50% (bottom quartile).	1M return: -0.53% (bottom quartile).	1M return: -0.43% (lower mid).	1M return: -0.33% (upper mid).
Point 7	Sharpe: 0.22 (top quartile).	Sharpe: -0.47 (bottom quartile).	Sharpe: -0.24 (upper mid).	Sharpe: -0.24 (lower mid).	Sharpe: -0.57 (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): 6.94% (bottom quartile).	Yield to maturity (debt): 7.73% (upper mid).	Yield to maturity (debt): 7.82% (top quartile).	Yield to maturity (debt): 7.44% (bottom quartile).	Yield to maturity (debt): 7.50% (lower mid).
Point 10	Modified duration: 0.43 yrs (top quartile).	Modified duration: 2.79 yrs (bottom quartile).	Modified duration: 3.15 yrs (bottom quartile).	Modified duration: 2.39 yrs (lower mid).	Modified duration: 2.27 yrs (upper mid).

UTI Banking & PSU Debt Fund

Bottom quartile AUM (₹1,448 Cr).
Established history (12+ yrs).
Top rated.
Risk profile: Moderate.
1Y return: 5.45% (top quartile).
1M return: 0.27% (top quartile).
Sharpe: 0.22 (top quartile).
Information ratio: 0.00 (top quartile).
Yield to maturity (debt): 6.94% (bottom quartile).
Modified duration: 0.43 yrs (top quartile).

HDFC Banking and PSU Debt Fund

Lower mid AUM (₹5,055 Cr).
Established history (12+ yrs).
Rating: 5★ (upper mid).
Risk profile: Moderately Low.
1Y return: 2.95% (bottom quartile).
1M return: -0.50% (bottom quartile).
Sharpe: -0.47 (bottom quartile).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 7.73% (upper mid).
Modified duration: 2.79 yrs (bottom quartile).

ICICI Prudential Banking and PSU Debt Fund

Upper mid AUM (₹8,041 Cr).
Established history (16+ yrs).
Rating: 4★ (lower mid).
Risk profile: Moderate.
1Y return: 3.64% (upper mid).
1M return: -0.53% (bottom quartile).
Sharpe: -0.24 (upper mid).
Information ratio: 0.00 (lower mid).
Yield to maturity (debt): 7.82% (top quartile).
Modified duration: 3.15 yrs (bottom quartile).

Kotak Banking and PSU Debt fund

Bottom quartile AUM (₹4,761 Cr).
Oldest track record among peers (27 yrs).
Rating: 4★ (bottom quartile).
Risk profile: Moderately Low.
1Y return: 3.54% (lower mid).
1M return: -0.43% (lower mid).
Sharpe: -0.24 (lower mid).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 7.44% (bottom quartile).
Modified duration: 2.39 yrs (lower mid).

Aditya Birla Sun Life Banking & PSU Debt Fund

Highest AUM (₹8,439 Cr).
Established history (18+ yrs).
Rating: 4★ (bottom quartile).
Risk profile: Moderate.
1Y return: 3.05% (bottom quartile).
1M return: -0.33% (upper mid).
Sharpe: -0.57 (bottom quartile).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 7.50% (lower mid).
Modified duration: 2.27 yrs (upper mid).

ਚੋਟੀ ਦੇ 5 ਸਰਵੋਤਮ ਪ੍ਰਦਰਸ਼ਨ ਕਰਨ ਵਾਲੇ ਬੈਂਕਿੰਗ ਅਤੇ PSU ਕਰਜ਼ੇ ਫੰਡ

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 (₹1,448 Cr).
Established history (12+ yrs).
Top rated.
Risk profile: Moderate.
1Y return: 5.45% (top quartile).
1M return: 0.27% (top quartile).
Sharpe: 0.22 (top quartile).
Information ratio: 0.00 (top quartile).
Yield to maturity (debt): 6.94% (bottom quartile).
Modified duration: 0.43 yrs (top quartile).
Average maturity: 0.45 yrs (top quartile).
Exit load: NIL.
Higher exposure to Corporate (bond sector) vs peer median.
Conservative stance with elevated cash (~53%).
High-quality debt (AAA/AA ~100%).
Largest holding ICICI Bank Ltd. (~5.0%).

Below is the key information for UTI Banking & PSU Debt Fund

UTI Banking & PSU Debt Fund Growth
Launch Date	3 Feb 14
NAV (28 Oct 26)	₹23.6538 ↓ 0.00 (0.00 %)
Net Assets (Cr)	₹1,448 on 30 Sep 26
Category	Debt - Banking & PSU Debt
AMC	UTI Asset Management Company Ltd
Rating	☆☆☆☆☆
Risk	Moderate
Expense Ratio	0.54
Sharpe Ratio	0.22
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	500
Exit Load	NIL
Yield to Maturity	6.94%
Effective Maturity	5 Months 12 Days
Modified Duration	5 Months 5 Days

Growth of 10,000 investment over the years.

Date	Value
30 Sep 21	₹10,000
30 Sep 22	₹10,915
30 Sep 23	₹11,648
30 Sep 24	₹12,558
30 Sep 25	₹13,557
30 Sep 26	₹14,342

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 28 Oct 26

Duration	Returns
1 Month	0.3%
3 Month	1.3%
6 Month	3%
1 Year	5.5%
3 Year	7.2%
5 Year	7.5%
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	4.84 Yr.

Data below for UTI Banking & PSU Debt Fund as on 30 Sep 26

Asset Allocation

Asset Class	Value
Cash	53.05%
Debt	46.68%
Other	0.26%

Debt Sector Allocation

Sector	Value
Corporate	68.58%
Government	19.28%
Cash Equivalent	11.87%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
ICICI Bank Ltd. Debentures \| -	5%	₹73 Cr	750,000,000
National Bank For Agriculture And Rural Development Debentures \| -	4%	₹55 Cr	5,500
Axis Bank Limited Debentures \| -	4%	₹55 Cr	550
7.38% Govt Stock 2027 Sovereign Bonds \| -	3%	₹50 Cr	500,000,000
7.61% Tamilnadu SDL 2027 Sovereign Bonds \| -	3%	₹50 Cr	500,000,000
Aditya Birla Housing Finance Limited Debentures \| -	3%	₹40 Cr	4,000
Indian Railway Finance Corporation Limited Debentures \| -	2%	₹30 Cr	300
Bharti Telecom Limited Debentures \| -	2%	₹25 Cr	2,500
Aditya Birla Housing Finance Limited Debentures \| -	2%	₹25 Cr	2,500
Power Finance Corporation Limited Debentures \| -	2%	₹25 Cr	250

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 (₹5,055 Cr).
Established history (12+ yrs).
Rating: 5★ (upper mid).
Risk profile: Moderately Low.
1Y return: 2.95% (bottom quartile).
1M return: -0.50% (bottom quartile).
Sharpe: -0.47 (bottom quartile).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 7.73% (upper mid).
Modified duration: 2.79 yrs (bottom quartile).
Average maturity: 3.75 yrs (lower mid).
Exit load: NIL.
Top bond sector: Corporate.
Debt-heavy allocation (~87%).
High-quality debt (AAA/AA ~100%).
Largest holding Indian Railway Finance Corporation Limited (~5.4%).

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 (28 Oct 26)	₹24.1952 ↓ 0.00 (-0.02 %)
Net Assets (Cr)	₹5,055 on 30 Sep 26
Category	Debt - Banking & PSU Debt
AMC	HDFC Asset Management Company Limited
Rating	☆☆☆☆☆
Risk	Moderately Low
Expense Ratio	0.77
Sharpe Ratio	-0.47
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	300
Exit Load	NIL
Yield to Maturity	7.73%
Effective Maturity	3 Years 9 Months
Modified Duration	2 Years 9 Months 14 Days

Growth of 10,000 investment over the years.

Date	Value
30 Sep 21	₹10,000
30 Sep 22	₹10,251
30 Sep 23	₹10,938
30 Sep 24	₹11,801
30 Sep 25	₹12,690
30 Sep 26	₹13,246

HDFC Banking and PSU Debt Fund SIP Returns

Total investment amount is ₹180,000
expected amount after 3 Years is ₹197,169.
Net Profit of ₹17,169 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 28 Oct 26

Duration	Returns
1 Month	-0.5%
3 Month	-0.7%
6 Month	1.5%
1 Year	2.9%
3 Year	6.3%
5 Year	5.6%
10 Year
15 Year
Since launch	7.3%

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	12.53 Yr.
Dhruv Muchhal	22 Jun 23	3.28 Yr.

Data below for HDFC Banking and PSU Debt Fund as on 30 Sep 26

Asset Allocation

Asset Class	Value
Cash	12.22%
Debt	87.42%
Other	0.36%

Debt Sector Allocation

Sector	Value
Corporate	59.49%
Government	31.79%
Cash Equivalent	8.36%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Indian Railway Finance Corporation Limited Debentures \| -	5%	₹272 Cr	27,500
Bajaj Housing Finance Limited Debentures \| -	3%	₹150 Cr	15,000
Rec Limited Debentures \| -	3%	₹149 Cr	1,500
Indian Railway Finance Corporation Limited Debentures \| -	3%	₹149 Cr	15,000
Housing And Urban Development Corporation Limited Debentures \| -	2%	₹127 Cr	1,250
National Bank For Agriculture And Rural Development Debentures \| -	2%	₹124 Cr	12,500
Power Finance Corporation Limited Debentures \| -	2%	₹122 Cr	12,500
Punjab National Bank Debentures \| -	2%	₹119 Cr	12,500
Small Industries Development Bank Of India Debentures \| -	2%	₹100 Cr	10,000
LIC Housing Finance Ltd Debentures \| -	2%	₹99 Cr	1,000

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

Upper mid AUM (₹8,041 Cr).
Established history (16+ yrs).
Rating: 4★ (lower mid).
Risk profile: Moderate.
1Y return: 3.64% (upper mid).
1M return: -0.53% (bottom quartile).
Sharpe: -0.24 (upper mid).
Information ratio: 0.00 (lower mid).
Yield to maturity (debt): 7.82% (top quartile).
Modified duration: 3.15 yrs (bottom quartile).
Average maturity: 5.59 yrs (bottom quartile).
Exit load: NIL.
Top bond sector: Corporate.
Debt-heavy allocation (~98%).
High-quality debt (AAA/AA ~100%).
Largest holding National Bank For Agriculture And Rural Development (~5.8%).

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 (28 Oct 26)	₹34.6461 ↑ 0.00 (0.00 %)
Net Assets (Cr)	₹8,041 on 30 Sep 26
Category	Debt - Banking & PSU Debt
AMC	ICICI Prudential Asset Management Company Limited
Rating	☆☆☆☆
Risk	Moderate
Expense Ratio	0.73
Sharpe Ratio	-0.24
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	100
Exit Load	NIL
Yield to Maturity	7.82%
Effective Maturity	5 Years 7 Months 2 Days
Modified Duration	3 Years 1 Month 24 Days

Growth of 10,000 investment over the years.

Date	Value
30 Sep 21	₹10,000
30 Sep 22	₹10,338
30 Sep 23	₹11,076
30 Sep 24	₹11,915
30 Sep 25	₹12,852
30 Sep 26	₹13,498

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 28 Oct 26

Duration	Returns
1 Month	-0.5%
3 Month	-0.4%
6 Month	1.7%
1 Year	3.6%
3 Year	6.5%
5 Year	6%
10 Year
15 Year
Since launch	7.7%

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	2.05 Yr.
Rohit Lakhotia	12 Jun 23	3.31 Yr.

Data below for ICICI Prudential Banking and PSU Debt Fund as on 30 Sep 26

Asset Allocation

Asset Class	Value
Cash	1.52%
Debt	98.09%
Other	0.39%

Debt Sector Allocation

Sector	Value
Corporate	62.79%
Government	34.97%
Cash Equivalent	1.23%
Securitized	0.62%

Credit Quality

Rating	Value
AA	1.03%
AAA	98.97%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
National Bank For Agriculture And Rural Development Debentures \| -	6%	₹472 Cr	47,500 ↑ 10,000
LIC Housing Finance Ltd Debentures \| -	4%	₹324 Cr	32,500
6.9% Govt Stock 2065 Sovereign Bonds \| -	3%	₹282 Cr	31,879,000
6.94% Govt Stock 2036 Sovereign Bonds \| -	3%	₹249 Cr	25,663,050 ↑ 2,725,450
Power Finance Corporation Limited Debentures \| -	3%	₹247 Cr	25,000 ↑ 5,000
Power Finance Corporation Limited Debentures \| -	3%	₹237 Cr	24,000 ↓ -1,000
Rec Limited Debentures \| -	3%	₹223 Cr	22,500
HDFC Bank Limited Debentures \| -	2%	₹178 Cr	182
Mahanagar Telephone Nigam Limited Debentures \| -	2%	₹170 Cr	17,500
SIDDHIVINAYAK SECURITISATION TRUST Unlisted bonds \| -	2%	₹167 Cr	175

4. 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 (₹4,761 Cr).
Oldest track record among peers (27 yrs).
Rating: 4★ (bottom quartile).
Risk profile: Moderately Low.
1Y return: 3.54% (lower mid).
1M return: -0.43% (lower mid).
Sharpe: -0.24 (lower mid).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 7.44% (bottom quartile).
Modified duration: 2.39 yrs (lower mid).
Average maturity: 3.87 yrs (bottom quartile).
Exit load: NIL.
Top bond sector: Corporate.
Debt-heavy allocation (~81%).
High-quality debt (AAA/AA ~100%).
Largest holding Power Finance Corporation Limited (~6.9%).

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 (28 Oct 26)	₹69.171 ↓ 0.00 (0.00 %)
Net Assets (Cr)	₹4,761 on 30 Sep 26
Category	Debt - Banking & PSU Debt
AMC	Kotak Mahindra Asset Management Co Ltd
Rating	☆☆☆☆
Risk	Moderately Low
Expense Ratio	0.76
Sharpe Ratio	-0.24
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	1,000
Exit Load	NIL
Yield to Maturity	7.44%
Effective Maturity	3 Years 10 Months 13 Days
Modified Duration	2 Years 4 Months 20 Days

Growth of 10,000 investment over the years.

Date	Value
30 Sep 21	₹10,000
30 Sep 22	₹10,269
30 Sep 23	₹10,954
30 Sep 24	₹11,856
30 Sep 25	₹12,735
30 Sep 26	₹13,369

Kotak Banking and PSU Debt fund SIP Returns

Total investment amount is ₹180,000
expected amount after 3 Years is ₹197,169.
Net Profit of ₹17,169 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 28 Oct 26

Duration	Returns
1 Month	-0.4%
3 Month	-0.5%
6 Month	1.6%
1 Year	3.5%
3 Year	6.6%
5 Year	5.8%
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	18.18 Yr.
Dharmesh Thakkar	1 Jun 25	1.33 Yr.

Data below for Kotak Banking and PSU Debt fund as on 30 Sep 26

Asset Allocation

Asset Class	Value
Cash	18.74%
Debt	80.86%
Other	0.39%

Debt Sector Allocation

Sector	Value
Corporate	59.14%
Government	31.08%
Cash Equivalent	9.39%

Credit Quality

Rating	Value
AA	1.12%
AAA	98.88%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Power Finance Corporation Limited Debentures \| -	7%	₹326 Cr	33,000
National Bank For Financing Infrastructure And Development Debentures \| -	4%	₹196 Cr	20,000
HDFC Bank Limited Debentures \| -	3%	₹151 Cr	1,500
State Bank Of India Debentures \| -	3%	₹139 Cr	1,450
Power Grid Corporation Of India Limited Debentures \| -	3%	₹139 Cr	20,006 ↑ 02
Indian Oil Corporation Limited Debentures \| -	3%	₹139 Cr	14,000
Rural Electrification Corporation Limited Debentures \| -	3%	₹130 Cr	13,000
Small Industries Development Bank Of India Debentures \| -	3%	₹124 Cr	12,500
National Bank For Agriculture And Rural Development Debentures \| -	3%	₹124 Cr	12,500
Small Industries Development Bank Of India Debentures \| -	3%	₹123 Cr	12,500

5. 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

Highest AUM (₹8,439 Cr).
Established history (18+ yrs).
Rating: 4★ (bottom quartile).
Risk profile: Moderate.
1Y return: 3.05% (bottom quartile).
1M return: -0.33% (upper mid).
Sharpe: -0.57 (bottom quartile).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 7.50% (lower mid).
Modified duration: 2.27 yrs (upper mid).
Average maturity: 2.88 yrs (upper mid).
Exit load: NIL.
Top sector: Financial Services.
Top bond sector: Corporate.
Debt-heavy allocation (~80%).
High-quality debt (AAA/AA ~100%).
Largest holding National Bank For Agriculture And Rural Development (~6.4%).

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 (28 Oct 26)	₹385.961 ↓ -0.01 (0.00 %)
Net Assets (Cr)	₹8,439 on 30 Sep 26
Category	Debt - Banking & PSU Debt
AMC	Birla Sun Life Asset Management Co Ltd
Rating	☆☆☆☆
Risk	Moderate
Expense Ratio	0.73
Sharpe Ratio	-0.57
Information Ratio	0
Alpha Ratio	0
Min Investment	1,000
Min SIP Investment	1,000
Exit Load	NIL
Yield to Maturity	7.5%
Effective Maturity	2 Years 10 Months 17 Days
Modified Duration	2 Years 3 Months 7 Days

Growth of 10,000 investment over the years.

Date	Value
30 Sep 21	₹10,000
30 Sep 22	₹10,275
30 Sep 23	₹10,966
30 Sep 24	₹11,845
30 Sep 25	₹12,735
30 Sep 26	₹13,284

Aditya Birla Sun Life Banking & PSU Debt Fund SIP Returns

Total investment amount is ₹180,000
expected amount after 3 Years is ₹197,169.
Net Profit of ₹17,169 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 28 Oct 26

Duration	Returns
1 Month	-0.3%
3 Month	-0.4%
6 Month	1.5%
1 Year	3%
3 Year	6.4%
5 Year	5.7%
10 Year
15 Year
Since launch	7.6%

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	17.01 Yr.
Harshil Suvarnkar	22 Mar 21	5.53 Yr.

Data below for Aditya Birla Sun Life Banking & PSU Debt Fund as on 30 Sep 26

Asset Allocation

Asset Class	Value
Cash	20.05%
Debt	79.95%

Debt Sector Allocation

Sector	Value
Corporate	56.46%
Government	31.67%
Cash Equivalent	11.87%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
National Bank For Agriculture And Rural Development Debentures \| -	6%	₹539 Cr	54,500 ↓ -2,500
Indian Railway Finance Corporation Limited Debentures \| -	2%	₹191 Cr	20,000
Rec Limited Debentures \| -	2%	₹190 Cr	19,000
Rec Limited Debentures \| -	2%	₹172 Cr	17,500
State Bank Of India Debentures \| -	2%	₹157 Cr	160
Indian Railway Finance Corporation Limited Debentures \| -	2%	₹157 Cr	16,250
Rec Limited Debentures \| -	2%	₹154 Cr	15,500 ↑ 12,500
Small Industries Development Bank Of India Debentures \| -	2%	₹149 Cr	15,000
Power Finance Corporation Limited Debentures \| -	2%	₹148 Cr	15,000
National Bank For Agriculture And Rural Development Debentures \| -	2%	₹148 Cr	15,000 ↑ 12,500

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