بینکنگ اور PSU ڈیبٹ فنڈز نئی ذیلی زمرہ ہیں جو سیکورٹیز اینڈ ایکسچینج بورڈ آف انڈیا (SEBIقرض میںمشترکہ فنڈ قسم. یہ فنڈز بنیادی طور پر قرض میں سرمایہ کاری کرتے ہیں۔کرنسی مارکیٹ اداروں جیسے بینکوں، عوامی مالیاتی اداروں، پبلک سیکٹر انڈرٹیکنگس وغیرہ کے ذریعہ جاری کردہ سیکیورٹیز پر مشتمل آلات۔ اس اختیار کو ایک بہترین توازن برقرار رکھنے کے لیے سمجھا جاتا ہے۔لیکویڈیٹی، حفاظت، اور پیداوار۔
بینکنگ اور PSUقرض فنڈ قرض فنڈز کے قلیل مدتی زمرے سے تعلق رکھتا ہے جس کا مقصد محفوظ منافع پیش کرنا اور خطرے کو کم کرنا ہے۔سرمایہ کاری اچھے معیار کے قرض کے آلات میں جو بنیادی طور پر بینکوں اور پبلک سیکٹر کے اداروں کے ذریعے جاری کیے جاتے ہیں۔ وہ سرمایہ کار جو مختصر مدت کے لیے سرمایہ کاری کرنے کے خواہشمند ہیں، مثالی طور پر 2-3 سال کے لیے اس اسکیم میں سرمایہ کاری کر سکتے ہیں۔
یہاں کچھ بہترین کارکردگی کا مظاہرہ کرنے والے بینکنگ اور PSU قرض فنڈز 2022 - 2023 ہیں۔
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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 ₹22.2877
↑ 0.01 ₹813 1.4 4.4 8 7.6 7.6 6.61% 1Y 8M 12D 1Y 11M 8D HDFC Banking and PSU Debt Fund Growth ₹23.3011
↑ 0.01 ₹5,890 1 3.9 7.5 7.4 7.9 6.94% 3Y 5M 5D 4Y 11M 19D ICICI Prudential Banking and PSU Debt Fund Growth ₹33.1769
↑ 0.01 ₹9,788 1.2 3.9 7.9 7.6 7.9 6.98% 3Y 2M 12D 6Y 11D Aditya Birla Sun Life Banking & PSU Debt Fund Growth ₹371.339
↑ 0.18 ₹9,180 1 3.9 7.5 7.4 7.9 7.05% 3Y 9M 29D 5Y 3M 11D Kotak Banking and PSU Debt fund Growth ₹66.2173
↑ 0.04 ₹5,795 0.9 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 26 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: 7.49% (lower mid). 1Y return: 7.87% (upper mid). 1Y return: 7.48% (bottom quartile). 1Y return: 7.42% (bottom quartile). Point 6 1M return: 0.58% (bottom quartile). 1M return: 0.63% (bottom quartile). 1M return: 0.66% (upper mid). 1M return: 0.66% (lower mid). 1M return: 0.68% (top 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 (26 Sep 25) ₹22.2877 ↑ 0.01 (0.03 %) 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 Returns for UTI Banking & PSU Debt Fund
absolute basis
& more than 1 year are on CAGR (Compound Annual Growth Rate)
basis. as on 26 Sep 25 Duration Returns 1 Month 0.6% 3 Month 1.4% 6 Month 4.4% 1 Year 8% 3 Year 7.6% 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 Data below for UTI Banking & PSU Debt Fund as on 31 Aug 25
Asset Allocation
Asset Class Value Debt Sector Allocation
Sector Value Credit Quality
Rating Value Top Securities Holdings / Portfolio
Name Holding Value Quantity 2. HDFC Banking and PSU Debt Fund
HDFC Banking and PSU Debt Fund
Growth Launch Date 26 Mar 14 NAV (26 Sep 25) ₹23.3011 ↑ 0.01 (0.05 %) 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 Returns for HDFC Banking and PSU Debt Fund
absolute basis
& more than 1 year are on CAGR (Compound Annual Growth Rate)
basis. as on 26 Sep 25 Duration Returns 1 Month 0.6% 3 Month 1% 6 Month 3.9% 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 Data below for HDFC Banking and PSU Debt Fund as on 31 Aug 25
Asset Allocation
Asset Class Value Debt Sector Allocation
Sector Value Credit Quality
Rating Value Top Securities Holdings / Portfolio
Name Holding Value Quantity 3. ICICI Prudential Banking and PSU Debt Fund
ICICI Prudential Banking and PSU Debt Fund
Growth Launch Date 1 Jan 10 NAV (26 Sep 25) ₹33.1769 ↑ 0.01 (0.03 %) 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 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 26 Sep 25 Duration Returns 1 Month 0.7% 3 Month 1.2% 6 Month 3.9% 1 Year 7.9% 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 Data below for ICICI Prudential Banking and PSU Debt Fund as on 15 Sep 25
Asset Allocation
Asset Class Value Debt Sector Allocation
Sector Value Credit Quality
Rating Value Top Securities Holdings / Portfolio
Name Holding Value Quantity 4. Aditya Birla Sun Life Banking & PSU Debt Fund
Aditya Birla Sun Life Banking & PSU Debt Fund
Growth Launch Date 9 May 08 NAV (26 Sep 25) ₹371.339 ↑ 0.18 (0.05 %) 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 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 26 Sep 25 Duration Returns 1 Month 0.7% 3 Month 1% 6 Month 3.9% 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 Data below for Aditya Birla Sun Life Banking & PSU Debt Fund as on 31 Aug 25
Asset Allocation
Asset Class Value Debt Sector Allocation
Sector Value Credit Quality
Rating Value Top Securities Holdings / Portfolio
Name Holding Value Quantity 5. Kotak Banking and PSU Debt fund
Kotak Banking and PSU Debt fund
Growth Launch Date 29 Dec 98 NAV (26 Sep 25) ₹66.2173 ↑ 0.04 (0.06 %) 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 Returns for Kotak Banking and PSU Debt fund
absolute basis
& more than 1 year are on CAGR (Compound Annual Growth Rate)
basis. as on 26 Sep 25 Duration Returns 1 Month 0.7% 3 Month 0.9% 6 Month 3.9% 1 Year 7.4% 3 Year 7.5% 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 Data below for Kotak Banking and PSU Debt fund as on 31 Aug 25
Asset Allocation
Asset Class Value Debt Sector Allocation
Sector Value Credit Quality
Rating Value Top Securities Holdings / Portfolio
Name Holding Value Quantity
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Research Highlights for UTI Banking & PSU Debt Fund