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ٹاپ 5 بہترین بینکنگ اور PSU ڈیبٹ فنڈز 2022

Updated on September 26, 2025 , 20921 views

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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Banking-PSU-Funds

ٹاپ پرفارمنگ بینکنگ اور PSU ڈیبٹ فنڈز

FundNAVNet Assets (Cr)3 MO (%)6 MO (%)1 YR (%)3 YR (%)2024 (%)Debt Yield (YTM)Mod. DurationEff. Maturity
UTI Banking & PSU Debt Fund Growth ₹22.2877
↑ 0.01
₹8131.44.487.67.66.61%1Y 8M 12D1Y 11M 8D
HDFC Banking and PSU Debt Fund Growth ₹23.3011
↑ 0.01
₹5,89013.97.57.47.96.94%3Y 5M 5D4Y 11M 19D
ICICI Prudential Banking and PSU Debt Fund Growth ₹33.1769
↑ 0.01
₹9,7881.23.97.97.67.96.98%3Y 2M 12D6Y 11D
Aditya Birla Sun Life Banking & PSU Debt Fund Growth ₹371.339
↑ 0.18
₹9,18013.97.57.47.97.05%3Y 9M 29D5Y 3M 11D
Kotak Banking and PSU Debt fund Growth ₹66.2173
↑ 0.04
₹5,7950.93.97.47.587.02%3Y 4M 10D5Y 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

CommentaryUTI Banking & PSU Debt FundHDFC Banking and PSU Debt FundICICI Prudential Banking and PSU Debt FundAditya Birla Sun Life Banking & PSU Debt FundKotak Banking and PSU Debt fund
Point 1Bottom 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 2Established history (11+ yrs).Established history (11+ yrs).Established history (15+ yrs).Established history (17+ yrs).Oldest track record among peers (26 yrs).
Point 3Top rated.Rating: 5★ (upper mid).Rating: 4★ (lower mid).Rating: 4★ (bottom quartile).Rating: 4★ (bottom quartile).
Point 4Risk profile: Moderate.Risk profile: Moderately Low.Risk profile: Moderate.Risk profile: Moderate.Risk profile: Moderately Low.
Point 51Y 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 61M 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 7Sharpe: 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 8Information 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 9Yield 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 10Modified 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: 0.58% (bottom 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: 7.49% (lower mid).
  • 1M return: 0.63% (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: 7.87% (upper mid).
  • 1M return: 0.66% (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: 7.48% (bottom quartile).
  • 1M return: 0.66% (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: 7.42% (bottom quartile).
  • 1M return: 0.68% (top 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).

ٹاپ 5 بہترین کارکردگی کا مظاہرہ کرنے والے بینکنگ اور PSU ڈیبٹ فنڈز

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: 0.58% (bottom 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.

Below is the key information for 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.

DateValue

UTI Banking & PSU Debt Fund SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual 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 26 Sep 25

DurationReturns
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
YearReturns
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
NameSinceTenure

Data below for UTI Banking & PSU Debt Fund as on 31 Aug 25

Asset Allocation
Asset ClassValue
Debt Sector Allocation
SectorValue
Credit Quality
RatingValue
Top Securities Holdings / Portfolio
NameHoldingValueQuantity

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: 7.49% (lower mid).
  • 1M return: 0.63% (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.

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 (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.

DateValue

HDFC Banking and PSU Debt Fund SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual 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 26 Sep 25

DurationReturns
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
YearReturns
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
NameSinceTenure

Data below for HDFC Banking and PSU Debt Fund as on 31 Aug 25

Asset Allocation
Asset ClassValue
Debt Sector Allocation
SectorValue
Credit Quality
RatingValue
Top Securities Holdings / Portfolio
NameHoldingValueQuantity

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: 7.87% (upper mid).
  • 1M return: 0.66% (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.

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 (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.

DateValue

ICICI Prudential Banking and PSU Debt Fund SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual 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 26 Sep 25

DurationReturns
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
YearReturns
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
NameSinceTenure

Data below for ICICI Prudential Banking and PSU Debt Fund as on 15 Sep 25

Asset Allocation
Asset ClassValue
Debt Sector Allocation
SectorValue
Credit Quality
RatingValue
Top Securities Holdings / Portfolio
NameHoldingValueQuantity

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: 7.48% (bottom quartile).
  • 1M return: 0.66% (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.

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 (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.

DateValue

Aditya Birla Sun Life Banking & PSU Debt Fund SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual 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 26 Sep 25

DurationReturns
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
YearReturns
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
NameSinceTenure

Data below for Aditya Birla Sun Life Banking & PSU Debt Fund as on 31 Aug 25

Asset Allocation
Asset ClassValue
Debt Sector Allocation
SectorValue
Credit Quality
RatingValue
Top Securities Holdings / Portfolio
NameHoldingValueQuantity

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: 7.42% (bottom quartile).
  • 1M return: 0.68% (top 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.

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 (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.

DateValue

Kotak Banking and PSU Debt fund SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual 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 26 Sep 25

DurationReturns
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
YearReturns
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
NameSinceTenure

Data below for Kotak Banking and PSU Debt fund as on 31 Aug 25

Asset Allocation
Asset ClassValue
Debt Sector Allocation
SectorValue
Credit Quality
RatingValue
Top Securities Holdings / Portfolio
NameHoldingValueQuantity

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