+91-22-48913909ٹاپ 5 بہترین بینکنگ اور PSU ڈیبٹ فنڈز 2022
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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ٹاپ پرفارمنگ بینکنگ اور PSU ڈیبٹ فنڈز
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 ₹23.0051
↑ 0.02 ₹1,206 0.9 1.9 4.8 6.7 7.8 7.29% 11M 23D 1Y 22D HDFC Banking and PSU Debt Fund Growth ₹23.8311
↑ 0.01 ₹5,316 0.1 0.8 3.1 6.5 7.5 7.58% 3Y 22D 4Y 3M 22D ICICI Prudential Banking and PSU Debt Fund Growth ₹34.0856
↑ 0.01 ₹9,144 0.3 1.3 4 6.8 7.6 7.64% 2Y 9M 29D 5Y 18D Kotak Banking and PSU Debt fund Growth ₹68.0064
↑ 0.03 ₹5,129 0.1 0.9 3.5 6.7 7.7 7.55% 2Y 9M 14D 3Y 6M 7D Aditya Birla Sun Life Banking & PSU Debt Fund Growth ₹379.809
↑ 0.15 ₹8,805 0.2 0.8 3.1 6.5 7.3 7.5% 2Y 9M 4D 3Y 10M 28D Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 1 Jun 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 (₹1,206 Cr). Lower mid AUM (₹5,316 Cr). Highest AUM (₹9,144 Cr). Bottom quartile AUM (₹5,129 Cr). Upper mid AUM (₹8,805 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: 4.83% (top quartile). 1Y return: 3.07% (bottom quartile). 1Y return: 3.95% (upper mid). 1Y return: 3.50% (lower mid). 1Y return: 3.06% (bottom quartile). Point 6 1M return: 0.11% (top quartile). 1M return: 0.00% (lower mid). 1M return: 0.10% (upper mid). 1M return: -0.08% (bottom quartile). 1M return: -0.03% (bottom quartile). Point 7 Sharpe: 0.13 (top quartile). Sharpe: -0.85 (bottom quartile). Sharpe: -0.59 (upper mid). Sharpe: -0.62 (lower mid). Sharpe: -0.85 (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): 7.29% (bottom quartile). Yield to maturity (debt): 7.58% (upper mid). Yield to maturity (debt): 7.64% (top quartile). Yield to maturity (debt): 7.55% (lower mid). Yield to maturity (debt): 7.50% (bottom quartile). Point 10 Modified duration: 0.98 yrs (top quartile). Modified duration: 3.06 yrs (bottom quartile). Modified duration: 2.83 yrs (bottom quartile). Modified duration: 2.79 yrs (lower mid). Modified duration: 2.76 yrs (upper mid). 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
ٹاپ 5 بہترین کارکردگی کا مظاہرہ کرنے والے بینکنگ اور PSU ڈیبٹ فنڈز
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 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 (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 1. UTI Banking & PSU Debt Fund
UTI Banking & PSU Debt Fund
Growth Launch Date 3 Feb 14 NAV (01 Jun 26) ₹23.0051 ↑ 0.02 (0.08 %) Net Assets (Cr) ₹1,206 on 30 Apr 26 Category Debt - Banking & PSU Debt AMC UTI Asset Management Company Ltd Rating ☆☆☆☆☆ Risk Moderate Expense Ratio 0.54 Sharpe Ratio 0.13 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 500 Exit Load NIL Yield to Maturity 7.29% Effective Maturity 1 Year 22 Days Modified Duration 11 Months 23 Days Growth of 10,000 investment over the years.
Date Value 31 May 21 ₹10,000 31 May 22 ₹10,824 31 May 23 ₹11,622 31 May 24 ₹12,345 31 May 25 ₹13,480 31 May 26 ₹14,128 Returns for UTI Banking & PSU Debt Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 1 Jun 26 Duration Returns 1 Month 0.1% 3 Month 0.9% 6 Month 1.9% 1 Year 4.8% 3 Year 6.7% 5 Year 7.2% 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 4.42 Yr. Data below for UTI Banking & PSU Debt Fund as on 30 Apr 26
Asset Allocation
Asset Class Value Cash 36.09% Debt 63.66% Other 0.24% Debt Sector Allocation
Sector Value Corporate 65.56% Government 26.5% Cash Equivalent 7.69% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity National Housing Bank
Debentures | -5% ₹60 Cr 6,000 Axis Bank Limited
Debentures | -5% ₹55 Cr 550 7.38% Govt Stock 2027
Sovereign Bonds | -4% ₹51 Cr 500,000,000 Export Import Bank Of India
Debentures | -4% ₹50 Cr 5,000 Small Industries Development Bank Of India
Debentures | -4% ₹50 Cr 5,000 Power Finance Corporation Limited
Debentures | -3% ₹40 Cr 400 National Bank For Agriculture And Rural Development
Debentures | -3% ₹40 Cr 4,000 HDFC Bank Limited
Debentures | -3% ₹35 Cr 350 Indian Railway Finance Corporation Limited
Debentures | -3% ₹30 Cr 300 7.86% Karnataka Sdl 2027
Sovereign Bonds | -2% ₹25 Cr 250,000,000 2. HDFC Banking and PSU Debt Fund
HDFC Banking and PSU Debt Fund
Growth Launch Date 26 Mar 14 NAV (01 Jun 26) ₹23.8311 ↑ 0.01 (0.05 %) Net Assets (Cr) ₹5,316 on 30 Apr 26 Category Debt - Banking & PSU Debt AMC HDFC Asset Management Company Limited Rating ☆☆☆☆☆ Risk Moderately Low Expense Ratio 0.78 Sharpe Ratio -0.86 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 300 Exit Load NIL Yield to Maturity 7.58% Effective Maturity 4 Years 3 Months 22 Days Modified Duration 3 Years 22 Days Growth of 10,000 investment over the years.
Date Value 31 May 21 ₹10,000 31 May 22 ₹10,263 31 May 23 ₹10,915 31 May 24 ₹11,657 31 May 25 ₹12,788 31 May 26 ₹13,182 Returns for HDFC Banking and PSU Debt Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 1 Jun 26 Duration Returns 1 Month 3 Month 0.1% 6 Month 0.8% 1 Year 3.1% 3 Year 6.5% 5 Year 5.7% 10 Year 15 Year Since launch 7.4% 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 12.11 Yr. Dhruv Muchhal 22 Jun 23 2.86 Yr. Data below for HDFC Banking and PSU Debt Fund as on 30 Apr 26
Asset Allocation
Asset Class Value Cash 8.81% Debt 90.85% Other 0.34% Debt Sector Allocation
Sector Value Corporate 57.78% Government 36.21% Cash Equivalent 5.67% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity Indian Railway Finance Corporation Limited
Debentures | -5% ₹277 Cr 27,500 Indian Railway Finance Corporation Limited
Debentures | -4% ₹202 Cr 20,000 Bajaj Housing Finance Limited
Debentures | -3% ₹151 Cr 15,000 Rec Limited
Debentures | -3% ₹151 Cr 1,500 Housing And Urban Development Corporation Limited
Debentures | -2% ₹129 Cr 1,250 HDFC Bank Limited
Debentures | -2% ₹127 Cr 12,500 National Bank For Agriculture And Rural Development
Debentures | -2% ₹126 Cr 12,500 Punjab National Bank
Debentures | -2% ₹123 Cr 12,500 7.18% Govt Stock 2033
Sovereign Bonds | -2% ₹117 Cr 11,500,000 Bajaj Housing Finance Limited
Debentures | -2% ₹101 Cr 10,000 3. ICICI Prudential Banking and PSU Debt Fund
ICICI Prudential Banking and PSU Debt Fund
Growth Launch Date 1 Jan 10 NAV (01 Jun 26) ₹34.0856 ↑ 0.01 (0.02 %) Net Assets (Cr) ₹9,144 on 30 Apr 26 Category Debt - Banking & PSU Debt AMC ICICI Prudential Asset Management Company Limited Rating ☆☆☆☆ Risk Moderate Expense Ratio 0.74 Sharpe Ratio -0.59 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 100 Exit Load NIL Yield to Maturity 7.64% Effective Maturity 5 Years 18 Days Modified Duration 2 Years 9 Months 29 Days Growth of 10,000 investment over the years.
Date Value 31 May 21 ₹10,000 31 May 22 ₹10,351 31 May 23 ₹11,080 31 May 24 ₹11,887 31 May 25 ₹12,986 31 May 26 ₹13,502 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 1 Jun 26 Duration Returns 1 Month 0.1% 3 Month 0.3% 6 Month 1.3% 1 Year 4% 3 Year 6.8% 5 Year 6.1% 10 Year 15 Year Since launch 7.8% 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 1.63 Yr. Rohit Lakhotia 12 Jun 23 2.89 Yr. Data below for ICICI Prudential Banking and PSU Debt Fund as on 30 Apr 26
Asset Allocation
Asset Class Value Cash 16.71% Debt 82.96% Other 0.33% Debt Sector Allocation
Sector Value Corporate 59.9% Government 30.34% Cash Equivalent 9.43% Credit Quality
Rating Value AA 0.91% AAA 99.09% Top Securities Holdings / Portfolio
Name Holding Value Quantity National Bank For Agriculture And Rural Development
Debentures | -4% ₹400 Cr 40,000 LIC Housing Finance Ltd
Debentures | -4% ₹324 Cr 32,500 National Bank For Agriculture And Rural Development
Debentures | -3% ₹301 Cr 30,000 7.34% Govt Stock 2064
Sovereign Bonds | -3% ₹294 Cr 30,967,800
↓ -500,000 Small Industries Development Bank Of India
Debentures | -3% ₹249 Cr 25,000 Rec Limited
Debentures | -3% ₹247 Cr 25,000 Mahanagar Telephone Nigam Limited
Debentures | -2% ₹221 Cr 22,500 Small Industries Development Bank Of India
Debentures | -2% ₹200 Cr 20,000 SIDDHIVINAYAK SECURITISATION TRUST
Unlisted bonds | -2% ₹197 Cr 200 HDFC Bank Limited
Debentures | -2% ₹192 Cr 192 4. Kotak Banking and PSU Debt fund
Kotak Banking and PSU Debt fund
Growth Launch Date 29 Dec 98 NAV (01 Jun 26) ₹68.0064 ↑ 0.03 (0.05 %) Net Assets (Cr) ₹5,129 on 30 Apr 26 Category Debt - Banking & PSU Debt AMC Kotak Mahindra Asset Management Co Ltd Rating ☆☆☆☆ Risk Moderately Low Expense Ratio 0.76 Sharpe Ratio -0.62 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 1,000 Exit Load NIL Yield to Maturity 7.55% Effective Maturity 3 Years 6 Months 7 Days Modified Duration 2 Years 9 Months 14 Days Growth of 10,000 investment over the years.
Date Value 31 May 21 ₹10,000 31 May 22 ₹10,293 31 May 23 ₹10,988 31 May 24 ₹11,733 31 May 25 ₹12,878 31 May 26 ₹13,335 Returns for Kotak Banking and PSU Debt fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 1 Jun 26 Duration Returns 1 Month -0.1% 3 Month 0.1% 6 Month 0.9% 1 Year 3.5% 3 Year 6.7% 5 Year 5.9% 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 17.76 Yr. Dharmesh Thakkar 1 Jun 25 0.91 Yr. Data below for Kotak Banking and PSU Debt fund as on 30 Apr 26
Asset Allocation
Asset Class Value Cash 10.21% Debt 89.45% Other 0.35% Debt Sector Allocation
Sector Value Corporate 64.59% Government 32.15% Cash Equivalent 2.91% Credit Quality
Rating Value AA 2.9% AAA 97.1% Top Securities Holdings / Portfolio
Name Holding Value Quantity Power Finance Corporation Limited
Debentures | -6% ₹330 Cr 33,000 Indian Oil Corporation Limited
Debentures | -4% ₹190 Cr 19,000 6.98% Gujarat Sgs 2032
Sovereign Bonds | -3% ₹168 Cr 17,217,580 Power Grid Corporation Of India Limited
Debentures | -3% ₹160 Cr 20,004 HDFC Bank Limited
Debentures | -3% ₹154 Cr 1,500 Rec Limited
Debentures | -3% ₹151 Cr 15,000 State Bank Of India
Debentures | -3% ₹143 Cr 1,450 Small Industries Development Bank Of India
Debentures | -3% ₹136 Cr 13,500 Rural Electrification Corporation Limited
Debentures | -3% ₹131 Cr 13,000 LIC Housing Finance Ltd
Debentures | -2% ₹125 Cr 1,250 5. Aditya Birla Sun Life Banking & PSU Debt Fund
Aditya Birla Sun Life Banking & PSU Debt Fund
Growth Launch Date 9 May 08 NAV (01 Jun 26) ₹379.809 ↑ 0.15 (0.04 %) Net Assets (Cr) ₹8,805 on 30 Apr 26 Category Debt - Banking & PSU Debt AMC Birla Sun Life Asset Management Co Ltd Rating ☆☆☆☆ Risk Moderate Expense Ratio 0.73 Sharpe Ratio -0.85 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 3 Years 10 Months 28 Days Modified Duration 2 Years 9 Months 4 Days Growth of 10,000 investment over the years.
Date Value 31 May 21 ₹10,000 31 May 22 ₹10,290 31 May 23 ₹10,952 31 May 24 ₹11,688 31 May 25 ₹12,833 31 May 26 ₹13,229 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 1 Jun 26 Duration Returns 1 Month 0% 3 Month 0.2% 6 Month 0.8% 1 Year 3.1% 3 Year 6.5% 5 Year 5.8% 10 Year 15 Year Since launch 7.7% 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 16.6 Yr. Harshil Suvarnkar 22 Mar 21 5.11 Yr. Data below for Aditya Birla Sun Life Banking & PSU Debt Fund as on 30 Apr 26
Asset Allocation
Asset Class Value Cash 28.15% Debt 71.53% Other 0.32% Debt Sector Allocation
Sector Value Corporate 62.61% Government 32.58% Cash Equivalent 4.49% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity National Bank For Agriculture And Rural Development
Debentures | -4% ₹323 Cr 32,500
↑ 2,500 Indian Railway Finance Corporation Limited
Debentures | -2% ₹194 Cr 20,000 National Housing Bank
Debentures | -2% ₹193 Cr 20,000 Rec Limited
Debentures | -2% ₹190 Cr 19,000 HDFC Bank Limited
Debentures | -2% ₹182 Cr 1,800 HDFC Bank Ltd.
Debentures | -2% ₹165 Cr 3,500 Bajaj Finance Limited
Debentures | -2% ₹165 Cr 16,500 State Bank Of India
Debentures | -2% ₹159 Cr 160 Power Finance Corporation Limited
Debentures | -2% ₹150 Cr 15,000 National Bank For Financing Infrastructure And Development
Debentures | -2% ₹146 Cr 15,000
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Research Highlights for UTI Banking & PSU Debt Fund