टॉप 5 सर्वोत्कृष्ट बँकिंग आणि PSU डेट फंड 2022 - Fincash

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टॉप परफॉर्मिंग बँकिंग आणि पीएसयू डेट फंड
शीर्ष 5 सर्वोत्तम कामगिरी करणारे बँकिंग आणि PSU डेट फंड
बँकिंग आणि PSU फंडांमध्ये गुंतवणूक कशी करावी?
Top 5 Debt - Banking & PSU Debt Funds

टॉप 5 सर्वोत्कृष्ट बँकिंग आणि PSU डेट फंड 2022

Updated on December 20, 2024 , 20438 views

बँकिंग आणि पीएसयू डेट फंड हे सिक्युरिटीज अँड एक्सचेंज बोर्ड ऑफ इंडियाने सादर केलेले नवीन उप-वर्ग आहेत (सेबी) कर्जातम्युच्युअल फंड श्रेणी हे फंड प्रामुख्याने कर्जामध्ये गुंतवणूक करतात आणिपैसा बाजार बँका, सार्वजनिक वित्तीय संस्था, सार्वजनिक क्षेत्रातील उपक्रम इत्यादींद्वारे जारी केलेल्या सिक्युरिटीजचा समावेश असलेली साधने. हा पर्याय इष्टतम शिल्लक राखण्यासाठी मानला जातोतरलता, सुरक्षितता आणि उत्पन्न.

बँकिंग आणि PSUकर्ज निधी कर्ज निधीच्या शॉर्ट टर्म श्रेणीशी संबंधित आहे ज्याचा उद्देश सुरक्षित परतावा देणे आणि जोखीम कमी करणेगुंतवणूक बँका आणि सार्वजनिक क्षेत्रातील उपक्रमांद्वारे प्रामुख्याने जारी केलेल्या चांगल्या दर्जाच्या कर्ज साधनांमध्ये. अल्प कालावधीसाठी, आदर्शतः 2-3 वर्षांसाठी गुंतवणूक करण्यास इच्छुक असलेले गुंतवणूकदार या योजनेत गुंतवणूक करू शकतात.

2022 - 2023 मधील सर्वोत्तम कामगिरी करणारे बँकिंग आणि PSU कर्ज फंड येथे आहेत.

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टॉप परफॉर्मिंग बँकिंग आणि पीएसयू डेट फंड

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	₹21.9852 ↑ 0.02	₹5,881	1.5	3.9	7.8	5.9	6.8	7.38%	3Y 8M	5Y 2M 28D
UTI Banking & PSU Debt Fund Growth	₹20.9355 ↑ 0.01	₹806	1.5	3.8	7.6	8.1	6.7	7.32%	2Y 3M 29D	2Y 9M 7D
DSP BlackRock Banking and PSU Debt Fund Growth	₹23.0649 ↑ 0.02	₹3,076	1.4	4.2	8.6	6.1	6.7	7.25%	5Y 3M 29D	9Y 10M 17D
Kotak Banking and PSU Debt fund Growth	₹62.5053 ↑ 0.06	₹5,679	1.6	4	8	6	6.8	7.39%	3Y 9M 11D	5Y 9M 25D
ICICI Prudential Banking and PSU Debt Fund Growth	₹31.3102 ↑ 0.03	₹9,034	1.8	3.8	7.9	6.4	7.3	7.58%	2Y 9M 25D	4Y 5M 8D
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 23 Dec 24

शीर्ष 5 सर्वोत्तम कामगिरी करणारे बँकिंग आणि PSU डेट फंड

1. 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.

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 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% .

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 (23 Dec 24)	₹21.9852 ↑ 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

HDFC 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 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 23 Dec 24

Duration	Returns
1 Month	0.5%
3 Month	1.5%
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

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 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% .

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

UTI Banking & PSU Debt Fund Growth
Launch Date	3 Feb 14
NAV (23 Dec 24)	₹20.9355 ↑ 0.01 (0.05 %)
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

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 23 Dec 24

Duration	Returns
1 Month	0.4%
3 Month	1.5%
6 Month	3.8%
1 Year	7.6%
3 Year	8.1%
5 Year	7.2%
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

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 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% .

Below is the key information for DSP BlackRock Banking and PSU Debt Fund

DSP BlackRock Banking and PSU Debt Fund Growth
Launch Date	14 Sep 13
NAV (23 Dec 24)	₹23.0649 ↑ 0.02 (0.09 %)
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

DSP BlackRock 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 DSP BlackRock 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 23 Dec 24

Duration	Returns
1 Month	0.5%
3 Month	1.4%
6 Month	4.2%
1 Year	8.6%
3 Year	6.1%
5 Year	6.4%
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

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 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% .

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 (23 Dec 24)	₹62.5053 ↑ 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

Kotak 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 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 23 Dec 24

Duration	Returns
1 Month	0.5%
3 Month	1.6%
6 Month	4%
1 Year	8%
3 Year	6%
5 Year	6.5%
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. 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.

ICICI Prudential Banking and PSU Debt Fund is a Debt - Banking & PSU Debt fund was launched on 1 Jan 10. It is a fund with Moderate risk and has given a CAGR/Annualized return of 7.9% since its launch. Ranked 13 in Banking & PSU Debt category. Return for 2023 was 7.3% , 2022 was 4.3% and 2021 was 4.2% .

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 (23 Dec 24)	₹31.3102 ↑ 0.03 (0.09 %)
Net Assets (Cr)	₹9,034 on 15 Dec 24
Category	Debt - Banking & PSU Debt
AMC	ICICI Prudential Asset Management Company Limited
Rating	☆☆☆☆
Risk	Moderate
Expense Ratio	0.79
Sharpe Ratio	1.71
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	100
Exit Load	NIL
Yield to Maturity	7.58%
Effective Maturity	4 Years 5 Months 8 Days
Modified Duration	2 Years 9 Months 25 Days

Growth of 10,000 investment over the years.

Date	Value
30 Nov 19	₹10,000
30 Nov 20	₹10,942
30 Nov 21	₹11,460
30 Nov 22	₹11,896
30 Nov 23	₹12,735
30 Nov 24	₹13,741

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 23 Dec 24

Duration	Returns
1 Month	0.6%
3 Month	1.8%
6 Month	3.8%
1 Year	7.9%
3 Year	6.4%
5 Year	6.6%
10 Year
15 Year
Since launch	7.9%

Historical performance (Yearly) on absolute basis

Year	Returns
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%
2014	10.5%

Fund Manager information for ICICI Prudential Banking and PSU Debt Fund

Name	Since	Tenure
Manish Banthia	13 Sep 24	0.22 Yr.
Rohit Lakhotia	12 Jun 23	1.47 Yr.

Data below for ICICI Prudential Banking and PSU Debt Fund as on 15 Dec 24

Asset Allocation

Asset Class	Value
Cash	7.51%
Debt	92.23%
Other	0.26%

Debt Sector Allocation

Sector	Value
Corporate	61.03%
Government	31.74%
Cash Equivalent	6.97%

Credit Quality

Rating	Value
AA	4.43%
AAA	95.57%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
7.1% Govt Stock 2034 Sovereign Bonds \| -	8%	₹704 Cr	68,909,360
7.93% Govt Stock 2033 Sovereign Bonds \| -	7%	₹605 Cr	58,790,950
Small Industries Development Bank Of India Debentures \| -	5%	₹473 Cr	4,750
HDFC Bank Limited Debentures \| -	4%	₹385 Cr	37,800
State Bank Of India Debentures \| -	4%	₹335 Cr	3,400
National Bank For Agriculture And Rural Development Debentures \| -	3%	₹280 Cr	28,000
National Bank For Agriculture And Rural Development Debentures \| -	3%	₹259 Cr	26,000
Housing And Urban Development Corporation Ltd. Debentures \| -	2%	₹225 Cr	22,500
Mahanagar Telephone Nigam Limited Debentures \| -	2%	₹218 Cr	22,500
Bharat Petroleum Corporation Limited Debentures \| -	2%	₹200 Cr	20,000

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