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Top 5 Debt - Banking & PSU Debt Funds
ব্যাঙ্কিং এবং PSU ঋণ তহবিল হল ভারতের সিকিউরিটিজ অ্যান্ড এক্সচেঞ্জ বোর্ড দ্বারা প্রবর্তিত নতুন উপ-শ্রেণী (সেবিঋণে )পারস্পরিক তহবিল বিভাগ এই তহবিল প্রধানত ঋণ বিনিয়োগ এবংঅর্থ বাজার ব্যাঙ্ক, পাবলিক ফাইন্যান্সিয়াল ইনস্টিটিউশন, পাবলিক সেক্টর আন্ডারটেকিংস ইত্যাদির মতো সত্তা দ্বারা জারি করা সিকিউরিটিজ সমন্বিত যন্ত্র। এই বিকল্পটিকে সর্বোত্তম ভারসাম্য বজায় রাখার জন্য বিবেচনা করা হয়তারল্য, নিরাপত্তা, এবং ফলন.
ব্যাঙ্কিং এবং পিএসইউঋণ তহবিল ঋণ তহবিলের স্বল্পমেয়াদী বিভাগের অন্তর্গত যার লক্ষ্য নিরাপদ রিটার্ন অফার করা এবং ঝুঁকি কমানোবিনিয়োগ ভাল মানের ঋণ উপকরণ প্রধানত ব্যাঙ্ক এবং সরকারী খাতের উদ্যোগ দ্বারা জারি করা. যে বিনিয়োগকারীরা স্বল্প সময়ের জন্য, আদর্শভাবে 2-3 বছরের জন্য বিনিয়োগ করতে আগ্রহী তারা এই স্কিমে বিনিয়োগ করতে পারেন।
এখানে 2022 - 2023 সালের সেরা পারফর্মিং ব্যাঙ্কিং এবং PSU ঋণ তহবিলগুলির মধ্যে কয়েকটি রয়েছে৷
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Fund NAV Net Assets (Cr) 3 MO (%) 6 MO (%) 1 YR (%) 3 YR (%) 2023 (%) Debt Yield (YTM) Mod. Duration Eff. Maturity HDFC Banking and PSU Debt Fund Growth ₹21.9698
↓ -0.02 ₹5,881 1.6 3.9 7.8 5.9 6.8 7.38% 3Y 8M 5Y 2M 28D UTI Banking & PSU Debt Fund Growth ₹20.9348
↓ 0.00 ₹806 1.6 3.9 7.6 8.2 6.7 7.32% 2Y 3M 29D 2Y 9M 7D DSP BlackRock Banking and PSU Debt Fund Growth ₹23.0583
↓ -0.03 ₹3,076 1.5 4.3 8.7 6.1 6.7 7.25% 5Y 3M 29D 9Y 10M 17D Kotak Banking and PSU Debt fund Growth ₹62.4463
↓ -0.06 ₹5,679 1.6 4 8 6 6.8 7.39% 3Y 9M 11D 5Y 9M 25D Aditya Birla Sun Life Banking & PSU Debt Fund Growth ₹350.25
↓ -0.25 ₹9,645 1.7 4 7.9 6 6.9 7.37% 3Y 5M 23D 4Y 6M 7D Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 19 Dec 24
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 7.6% since its launch. Ranked 6 in Banking & PSU Debt
category. Return for 2023 was 6.8% , 2022 was 3.3% and 2021 was 3.7% . HDFC Banking and PSU Debt Fund
Growth Launch Date 26 Mar 14 NAV (19 Dec 24) ₹21.9698 ↓ -0.02 (-0.08 %) Net Assets (Cr) ₹5,881 on 30 Nov 24 Category Debt - Banking & PSU Debt AMC HDFC Asset Management Company Limited Rating ☆☆☆☆☆ Risk Moderately Low Expense Ratio 0.79 Sharpe Ratio 1.55 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 300 Exit Load NIL Yield to Maturity 7.38% Effective Maturity 5 Years 2 Months 28 Days Modified Duration 3 Years 8 Months Growth of 10,000 investment over the years.
Date Value 30 Nov 19 ₹10,000 30 Nov 20 ₹11,023 30 Nov 21 ₹11,461 30 Nov 22 ₹11,805 30 Nov 23 ₹12,578 30 Nov 24 ₹13,590 Returns for HDFC Banking and PSU Debt Fund
absolute basis
& more than 1 year are on CAGR (Compound Annual Growth Rate)
basis. as on 19 Dec 24 Duration Returns 1 Month 0.5% 3 Month 1.6% 6 Month 3.9% 1 Year 7.8% 3 Year 5.9% 5 Year 6.4% 10 Year 15 Year Since launch 7.6% Historical performance (Yearly) on absolute basis
Year Returns 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% 2014 Fund Manager information for HDFC Banking and PSU Debt Fund
Name Since Tenure Anil Bamboli 26 Mar 14 10.69 Yr. Dhruv Muchhal 22 Jun 23 1.45 Yr. Data below for HDFC Banking and PSU Debt Fund as on 30 Nov 24
Asset Allocation
Asset Class Value Cash 4.96% Debt 94.77% Other 0.27% Debt Sector Allocation
Sector Value Corporate 51.11% Government 43.66% Cash Equivalent 4.96% Credit Quality
Rating Value AA 2.04% AAA 97.96% Top Securities Holdings / Portfolio
Name Holding Value Quantity 7.18% Govt Stock 2033
Sovereign Bonds | -5% ₹300 Cr 29,500,000 Indian Railway Finance Corporation Limited
Debentures | -5% ₹277 Cr 27,500 Small Industries Development Bank Of India
Debentures | -4% ₹225 Cr 22,500 7.26% Govt Stock 2033
Sovereign Bonds | -4% ₹220 Cr 21,500,000 Indian Railway Finance Corporation Limited
Debentures | -3% ₹202 Cr 20,000 State Bank Of India
Debentures | -3% ₹176 Cr 175
↑ 75 Bajaj Housing Finance Limited
Debentures | -3% ₹151 Cr 15,000 Rural Electrification Corporation Limited
Debentures | -3% ₹151 Cr 1,500 Small Industries Development Bank Of India
Debentures | -2% ₹140 Cr 14,000 Housing And Urban Development Corporation Limited
Debentures | -2% ₹130 Cr 1,250 2. UTI Banking & PSU Debt Fund
CAGR/Annualized
return of 7% since its launch. Ranked 3 in Banking & PSU Debt
category. Return for 2023 was 6.7% , 2022 was 10.3% and 2021 was 2.8% . UTI Banking & PSU Debt Fund
Growth Launch Date 3 Feb 14 NAV (19 Dec 24) ₹20.9348 ↓ 0.00 (-0.01 %) Net Assets (Cr) ₹806 on 30 Nov 24 Category Debt - Banking & PSU Debt AMC UTI Asset Management Company Ltd Rating ☆☆☆☆☆ Risk Moderate Expense Ratio 0.55 Sharpe Ratio 1.36 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 500 Exit Load NIL Yield to Maturity 7.32% Effective Maturity 2 Years 9 Months 7 Days Modified Duration 2 Years 3 Months 29 Days Growth of 10,000 investment over the years.
Date Value 30 Nov 19 ₹10,000 30 Nov 20 ₹10,890 30 Nov 21 ₹11,194 30 Nov 22 ₹12,332 30 Nov 23 ₹13,094 30 Nov 24 ₹14,133 Returns for UTI Banking & PSU Debt Fund
absolute basis
& more than 1 year are on CAGR (Compound Annual Growth Rate)
basis. as on 19 Dec 24 Duration Returns 1 Month 0.5% 3 Month 1.6% 6 Month 3.9% 1 Year 7.6% 3 Year 8.2% 5 Year 7.3% 10 Year 15 Year Since launch 7% Historical performance (Yearly) on absolute basis
Year Returns 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% 2014 Fund Manager information for UTI Banking & PSU Debt Fund
Name Since Tenure Anurag Mittal 1 Dec 21 3 Yr. Data below for UTI Banking & PSU Debt Fund as on 30 Nov 24
Asset Allocation
Asset Class Value Cash 4.9% Debt 94.79% Other 0.31% Debt Sector Allocation
Sector Value Government 48.33% Corporate 46.46% Cash Equivalent 4.9% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity 7.38% Govt Stock 2027
Sovereign Bonds | -11% ₹86 Cr 850,000,000 Axis Bank Limited
Debentures | -7% ₹55 Cr 550 Export-Import Bank Of India
Debentures | -6% ₹50 Cr 5,000 Small Industries Development Bank Of India
Debentures | -6% ₹50 Cr 5,000 ICICI Bank Limited
Debentures | -6% ₹48 Cr 500
↓ -50 7.37% Govt Stock 2028
Sovereign Bonds | -6% ₹46 Cr 450,000,000 Power Finance Corporation Limited
Debentures | -5% ₹40 Cr 400 Rural Electrification Corporation Limited
Debentures | -4% ₹35 Cr 3,500 HDFC Bank Limited
Debentures | -4% ₹35 Cr 350 Indian Railway Finance Corporation Limited
Debentures | -4% ₹30 Cr 300 3. DSP BlackRock Banking and PSU Debt Fund
CAGR/Annualized
return of 7.7% since its launch. Ranked 20 in Banking & PSU Debt
category. Return for 2023 was 6.7% , 2022 was 3.2% and 2021 was 3.1% . DSP BlackRock Banking and PSU Debt Fund
Growth Launch Date 14 Sep 13 NAV (19 Dec 24) ₹23.0583 ↓ -0.03 (-0.12 %) Net Assets (Cr) ₹3,076 on 30 Nov 24 Category Debt - Banking & PSU Debt AMC DSP BlackRock Invmt Managers Pvt. Ltd. Rating ☆☆☆☆ Risk Moderate Expense Ratio 0.58 Sharpe Ratio 1.38 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 7.25% Effective Maturity 9 Years 10 Months 17 Days Modified Duration 5 Years 3 Months 29 Days Growth of 10,000 investment over the years.
Date Value 30 Nov 19 ₹10,000 30 Nov 20 ₹11,047 30 Nov 21 ₹11,410 30 Nov 22 ₹11,742 30 Nov 23 ₹12,481 30 Nov 24 ₹13,587 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 19 Dec 24 Duration Returns 1 Month 0.6% 3 Month 1.5% 6 Month 4.3% 1 Year 8.7% 3 Year 6.1% 5 Year 6.5% 10 Year 15 Year Since launch 7.7% Historical performance (Yearly) on absolute basis
Year Returns 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% 2014 10.4% Fund Manager information for DSP BlackRock Banking and PSU Debt Fund
Name Since Tenure Sandeep Yadav 1 Aug 24 0.33 Yr. Shantanu Godambe 1 Jun 23 1.5 Yr. Data below for DSP BlackRock Banking and PSU Debt Fund as on 30 Nov 24
Asset Allocation
Asset Class Value Cash 16.9% Debt 82.89% Other 0.21% Debt Sector Allocation
Sector Value Corporate 45.89% Government 44.22% Cash Equivalent 9.68% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity 7.3% Govt Stock 2053
Sovereign Bonds | -13% ₹399 Cr 37,500,000 7.34% Govt Stock 2064
Sovereign Bonds | -4% ₹130 Cr 12,500,000
↑ 500,000 Small Industries Development Bank Of India
Debentures | -4% ₹127 Cr 12,500 GAil (India) Limited
Debentures | -3% ₹107 Cr 1,000 Rural Electrification Corporation Limited
Debentures | -3% ₹106 Cr 10,000 National Bank for Agriculture and Rural Development
Domestic Bonds | -3% ₹105 Cr 10,000 Indian Railway Finance Corporation Limited
Debentures | -3% ₹105 Cr 1,000 National Bank For Financing Infrastructure And Development
Debentures | -3% ₹104 Cr 10,000 State Bank Of India
Debentures | -3% ₹103 Cr 100 National Bank For Agriculture And Rural Development
Debentures | -3% ₹80 Cr 7,500 4. Kotak Banking and PSU Debt fund
CAGR/Annualized
return of since its launch. Ranked 19 in Banking & PSU Debt
category. Return for 2023 was 6.8% , 2022 was 3.6% and 2021 was 3.9% . Kotak Banking and PSU Debt fund
Growth Launch Date 29 Dec 98 NAV (19 Dec 24) ₹62.4463 ↓ -0.06 (-0.09 %) Net Assets (Cr) ₹5,679 on 30 Nov 24 Category Debt - Banking & PSU Debt AMC Kotak Mahindra Asset Management Co Ltd Rating ☆☆☆☆ Risk Moderately Low Expense Ratio 0.81 Sharpe Ratio 1.56 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 1,000 Exit Load NIL Yield to Maturity 7.39% Effective Maturity 5 Years 9 Months 25 Days Modified Duration 3 Years 9 Months 11 Days Growth of 10,000 investment over the years.
Date Value 30 Nov 19 ₹10,000 30 Nov 20 ₹11,027 30 Nov 21 ₹11,470 30 Nov 22 ₹11,878 30 Nov 23 ₹12,638 30 Nov 24 ₹13,676 Returns for Kotak Banking and PSU Debt fund
absolute basis
& more than 1 year are on CAGR (Compound Annual Growth Rate)
basis. as on 19 Dec 24 Duration Returns 1 Month 0.5% 3 Month 1.6% 6 Month 4% 1 Year 8% 3 Year 6% 5 Year 6.6% 10 Year 15 Year Since launch Historical performance (Yearly) on absolute basis
Year Returns 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% 2014 9.5% Fund Manager information for Kotak Banking and PSU Debt fund
Name Since Tenure Deepak Agrawal 1 Aug 08 16.35 Yr. Abhishek Bisen 1 Nov 22 2.08 Yr. Data below for Kotak Banking and PSU Debt fund as on 30 Nov 24
Asset Allocation
Asset Class Value Cash 3.41% Debt 96.31% Other 0.28% Debt Sector Allocation
Sector Value Corporate 54.78% Government 41.53% Cash Equivalent 3.41% Credit Quality
Rating Value AA 2.74% AAA 97.26% Top Securities Holdings / Portfolio
Name Holding Value Quantity 7.18% Govt Stock 2033
Sovereign Bonds | -9% ₹514 Cr 50,443,730 National Bank For Agriculture And Rural Development
Debentures | -6% ₹349 Cr 34,700 Power Finance Corp Ltd. 0.076%
Debentures | -6% ₹333 Cr 33,000 National Housing Bank
Debentures | -5% ₹276 Cr 27,500 7.93% Govt Stock 2033
Sovereign Bonds | -4% ₹242 Cr 23,432,280 7.1% Govt Stock 2034
Sovereign Bonds | -4% ₹229 Cr 22,536,520
↓ -500,000 HDFC Bank Limited
Debentures | -4% ₹212 Cr 21,000 Power Grid Corporation Of India Limited
Debentures | -3% ₹184 Cr 20,002 Rural Electrification Corporation Limited
Debentures | -3% ₹157 Cr 15,500 Rural Electrification Corporation Limited
Debentures | -3% ₹154 Cr 15,000 5. Aditya Birla Sun Life Banking & PSU Debt Fund
CAGR/Annualized
return of 7.8% since its launch. Ranked 9 in Banking & PSU Debt
category. Return for 2023 was 6.9% , 2022 was 3.7% and 2021 was 3.6% . Aditya Birla Sun Life Banking & PSU Debt Fund
Growth Launch Date 9 May 08 NAV (19 Dec 24) ₹350.25 ↓ -0.25 (-0.07 %) Net Assets (Cr) ₹9,645 on 15 Dec 24 Category Debt - Banking & PSU Debt AMC Birla Sun Life Asset Management Co Ltd Rating ☆☆☆☆ Risk Moderate Expense Ratio 0.7 Sharpe Ratio 1.67 Information Ratio 0 Alpha Ratio 0 Min Investment 1,000 Min SIP Investment 1,000 Exit Load NIL Yield to Maturity 7.37% Effective Maturity 4 Years 6 Months 7 Days Modified Duration 3 Years 5 Months 23 Days Growth of 10,000 investment over the years.
Date Value 30 Nov 19 ₹10,000 30 Nov 20 ₹11,067 30 Nov 21 ₹11,480 30 Nov 22 ₹11,868 30 Nov 23 ₹12,645 30 Nov 24 ₹13,666 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 19 Dec 24 Duration Returns 1 Month 0.5% 3 Month 1.7% 6 Month 4% 1 Year 7.9% 3 Year 6% 5 Year 6.6% 10 Year 15 Year Since launch 7.8% Historical performance (Yearly) on absolute basis
Year Returns 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% 2014 12.5% Fund Manager information for Aditya Birla Sun Life Banking & PSU Debt Fund
Name Since Tenure Kaustubh Gupta 29 Sep 09 15.1 Yr. Harshil Suvarnkar 22 Mar 21 3.61 Yr. Data below for Aditya Birla Sun Life Banking & PSU Debt Fund as on 15 Dec 24
Asset Allocation
Asset Class Value Cash 10.09% Debt 89.65% Other 0.26% Debt Sector Allocation
Sector Value Corporate 64.49% Government 29.12% Cash Equivalent 6.13% Credit Quality
Rating Value AA 0.88% AAA 99.12% Top Securities Holdings / Portfolio
Name Holding Value Quantity Power Finance Corporation Ltd.
Debentures | -3% ₹301 Cr 30,000 7.18% Govt Stock 2037
Sovereign Bonds | -3% ₹265 Cr 25,946,000
↓ -3,000,000 Power Finance Corp Ltd. 7.6%
Debentures | -3% ₹252 Cr 25,000 Small Industries Development Bank Of India
Debentures | -3% ₹245 Cr 24,500 7.1% Govt Stock 2034
Sovereign Bonds | -2% ₹202 Cr 19,927,000
↓ -500,000 National Bank For Agriculture And Rural Development
Debentures | -2% ₹196 Cr 19,500 REC Ltd. 7.71%
Debentures | -2% ₹196 Cr 19,500 Axis Bank Ltd.
Debentures | -2% ₹193 Cr 4,000
↑ 4,000 National Bank For Agriculture And Rural Development
Debentures | -2% ₹185 Cr 18,500 7.18% Govt Stock 2033
Sovereign Bonds | -2% ₹184 Cr 18,058,800
↓ -10,360,000
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