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టాప్ 5 బెస్ట్ బ్యాంకింగ్ మరియు PSU డెట్ ఫండ్‌లు 2022
బ్యాంకింగ్ మరియు పిఎస్‌యు డెట్ ఫండ్‌లు సెక్యూరిటీస్ అండ్ ఎక్స్ఛేంజ్ బోర్డ్ ఆఫ్ ఇండియా ద్వారా ప్రవేశపెట్టబడిన కొత్త ఉప-కేటగిరీ (SEBI) అప్పులోమ్యూచువల్ ఫండ్ వర్గం. ఈ ఫండ్‌లు ప్రధానంగా డెట్‌లో పెట్టుబడి పెడతాయి మరియుడబ్బు బజారు బ్యాంకులు, పబ్లిక్ ఫైనాన్షియల్ ఇన్‌స్టిట్యూషన్‌లు, పబ్లిక్ సెక్టార్ అండర్‌టేకింగ్‌లు మొదలైన సంస్థలచే జారీ చేయబడిన సెక్యూరిటీలతో కూడిన సాధనాలు.ద్రవ్యత, భద్రత మరియు దిగుబడి.
బ్యాంకింగ్ మరియు PSUరుణ నిధి సురక్షిత రాబడిని అందించడం మరియు నష్టాన్ని తగ్గించడం లక్ష్యంగా పెట్టుకున్న డెట్ ఫండ్ల యొక్క స్వల్పకాలిక వర్గానికి చెందినదిపెట్టుబడి పెడుతున్నారు ప్రధానంగా బ్యాంకులు మరియు ప్రభుత్వ రంగ సంస్థలు జారీ చేసే మంచి-నాణ్యత రుణ సాధనాల్లో. తక్కువ వ్యవధిలో, ఆదర్శంగా 2-3 సంవత్సరాలు పెట్టుబడి పెట్టడానికి ఆసక్తి ఉన్న పెట్టుబడిదారులు ఈ పథకంలో పెట్టుబడి పెట్టవచ్చు.
2022 - 2023లో అత్యుత్తమ పనితీరు కనబరుస్తున్న బ్యాంకింగ్ మరియు PSU డెట్ ఫండ్‌లు ఇక్కడ ఉన్నాయి.
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అత్యుత్తమ పనితీరు బ్యాంకింగ్ మరియు PSU డెట్ ఫండ్‌లు
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 ₹22.8348
↓ 0.00 ₹5,996 3.3 4.9 9.4 7.1 7.9 7.25% 3Y 10M 10D 5Y 6M 4D UTI Banking & PSU Debt Fund Growth ₹21.6745
↓ 0.00 ₹785 2.9 4.5 8.8 9.2 7.6 7.14% 2Y 29D 2Y 4M 24D DSP BlackRock Banking and PSU Debt Fund Growth ₹23.9857
↓ 0.00 ₹3,409 3.5 4.8 10.1 7.3 8.6 7.16% 5Y 5M 1D 9Y 10M 13D Kotak Banking and PSU Debt fund Growth ₹64.8856
↓ -0.02 ₹6,011 3.2 4.9 9.6 7.2 8 7.28% 3Y 6M 29D 5Y 4M 6D Aditya Birla Sun Life Banking & PSU Debt Fund Growth ₹363.907
↓ -0.05 ₹8,588 3.3 4.9 9.5 7.1 7.9 7.22% 3Y 6M 7D 4Y 9M Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 24 Apr 25
టాప్ 5 బెస్ట్ పెర్ఫార్మింగ్ బ్యాంకింగ్ మరియు PSU డెట్ ఫండ్స్
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 7.7% since its launch. Ranked 6 in Banking & PSU Debt category. Return for 2024 was 7.9% , 2023 was 6.8% and 2022 was 3.3% . HDFC Banking and PSU Debt Fund
Growth Launch Date 26 Mar 14 NAV (24 Apr 25) ₹22.8348 ↓ 0.00 (0.00 %) Net Assets (Cr) ₹5,996 on 31 Mar 25 Category Debt - Banking & PSU Debt AMC HDFC Asset Management Company Limited Rating ☆☆☆☆☆ Risk Moderately Low Expense Ratio 0.79 Sharpe Ratio 1.05 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 300 Exit Load NIL Yield to Maturity 7.25% Effective Maturity 5 Years 6 Months 4 Days Modified Duration 3 Years 10 Months 10 Days Growth of 10,000 investment over the years.
Date Value 31 Mar 20 ₹10,000 31 Mar 21 ₹10,797 31 Mar 22 ₹11,284 31 Mar 23 ₹11,743 31 Mar 24 ₹12,607 31 Mar 25 ₹13,628 Returns for HDFC Banking and PSU Debt Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 24 Apr 25 Duration Returns 1 Month 2% 3 Month 3.3% 6 Month 4.9% 1 Year 9.4% 3 Year 7.1% 5 Year 6.7% 10 Year 15 Year Since launch 7.7% Historical performance (Yearly) on absolute basis
Year Returns 2023 7.9% 2022 6.8% 2021 3.3% 2020 3.7% 2019 10.6% 2018 10.2% 2017 5.9% 2016 6.3% 2015 10.8% 2014 9.8% Fund Manager information for HDFC Banking and PSU Debt Fund
Name Since Tenure Anil Bamboli 26 Mar 14 10.94 Yr. Dhruv Muchhal 22 Jun 23 1.69 Yr. Data below for HDFC Banking and PSU Debt Fund as on 31 Mar 25
Asset Allocation
Asset Class Value Cash 3.97% Debt 95.73% Other 0.29% Debt Sector Allocation
Sector Value Corporate 52.31% Government 43.43% Cash Equivalent 3.97% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity Indian Railway Finance Corporation Limited
Debentures | -5% ₹276 Cr 27,500 Small Industries Development Bank Of India
Debentures | -4% ₹225 Cr 22,500 Indian Railway Finance Corporation Limited
Debentures | -3% ₹202 Cr 20,000 7.18% Govt Stock 2033
Sovereign Bonds | -3% ₹195 Cr 19,000,000
↓ -3,000,000 7.26% Govt Stock 2033
Sovereign Bonds | -3% ₹175 Cr 17,000,000
↓ -2,000,000 State Bank Of India
Debentures | -3% ₹173 Cr 175 Bajaj Housing Finance Limited
Debentures | -3% ₹151 Cr 15,000 Rural Electrification Corporation Limited
Debentures | -3% ₹150 Cr 1,500 Housing And Urban Development Corporation Ltd.
Debentures | -3% ₹149 Cr 15,000 Housing And Urban Development Corporation Limited
Debentures | -2% ₹130 Cr 1,250 2. UTI Banking & PSU Debt Fund
CAGR/Annualized return of 7.1% since its launch. Ranked 3 in Banking & PSU Debt category. Return for 2024 was 7.6% , 2023 was 6.7% and 2022 was 10.3% . UTI Banking & PSU Debt Fund
Growth Launch Date 3 Feb 14 NAV (24 Apr 25) ₹21.6745 ↓ 0.00 (-0.02 %) Net Assets (Cr) ₹785 on 31 Mar 25 Category Debt - Banking & PSU Debt AMC UTI Asset Management Company Ltd Rating ☆☆☆☆☆ Risk Moderate Expense Ratio 0.55 Sharpe Ratio 1.06 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 500 Exit Load NIL Yield to Maturity 7.14% Effective Maturity 2 Years 4 Months 24 Days Modified Duration 2 Years 29 Days Growth of 10,000 investment over the years.
Date Value 31 Mar 20 ₹10,000 31 Mar 21 ₹10,675 31 Mar 22 ₹11,056 31 Mar 23 ₹12,276 31 Mar 24 ₹13,144 31 Mar 25 ₹14,168 Returns for UTI Banking & PSU Debt Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 24 Apr 25 Duration Returns 1 Month 1.6% 3 Month 2.9% 6 Month 4.5% 1 Year 8.8% 3 Year 9.2% 5 Year 7.4% 10 Year 15 Year Since launch 7.1% Historical performance (Yearly) on absolute basis
Year Returns 2023 7.6% 2022 6.7% 2021 10.3% 2020 2.8% 2019 8.9% 2018 -1% 2017 6.8% 2016 6.4% 2015 11.7% 2014 8.6% Fund Manager information for UTI Banking & PSU Debt Fund
Name Since Tenure Anurag Mittal 1 Dec 21 3.33 Yr. Data below for UTI Banking & PSU Debt Fund as on 31 Mar 25
Asset Allocation
Asset Class Value Cash 3.9% Debt 95.78% Other 0.33% Debt Sector Allocation
Sector Value Corporate 52.62% Government 43.15% Cash Equivalent 3.9% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity 7.38% Govt Stock 2027
Sovereign Bonds | -12% ₹92 Cr 900,000,000 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 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 National Bank For Agriculture And Rural Development
Debentures | -4% ₹30 Cr 3,000 3. DSP BlackRock Banking and PSU Debt Fund
CAGR/Annualized return of 7.8% since its launch. Ranked 20 in Banking & PSU Debt category. Return for 2024 was 8.6% , 2023 was 6.7% and 2022 was 3.2% . DSP BlackRock Banking and PSU Debt Fund
Growth Launch Date 14 Sep 13 NAV (24 Apr 25) ₹23.9857 ↓ 0.00 (-0.02 %) Net Assets (Cr) ₹3,409 on 31 Mar 25 Category Debt - Banking & PSU Debt AMC DSP BlackRock Invmt Managers Pvt. Ltd. Rating ☆☆☆☆ Risk Moderate Expense Ratio 0.58 Sharpe Ratio 0.76 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 7.16% Effective Maturity 9 Years 10 Months 13 Days Modified Duration 5 Years 5 Months 1 Day Growth of 10,000 investment over the years.
Date Value 31 Mar 20 ₹10,000 31 Mar 21 ₹10,802 31 Mar 22 ₹11,218 31 Mar 23 ₹11,666 31 Mar 24 ₹12,570 31 Mar 25 ₹13,616 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 24 Apr 25 Duration Returns 1 Month 2.3% 3 Month 3.5% 6 Month 4.8% 1 Year 10.1% 3 Year 7.3% 5 Year 6.6% 10 Year 15 Year Since launch 7.8% Historical performance (Yearly) on absolute basis
Year Returns 2023 8.6% 2022 6.7% 2021 3.2% 2020 3.1% 2019 10.9% 2018 9.9% 2017 6.3% 2016 5.4% 2015 10.6% 2014 8.6% Fund Manager information for DSP BlackRock Banking and PSU Debt Fund
Name Since Tenure Sandeep Yadav 1 Aug 24 0.66 Yr. Shantanu Godambe 1 Jun 23 1.83 Yr. Data below for DSP BlackRock Banking and PSU Debt Fund as on 31 Mar 25
Asset Allocation
Asset Class Value Cash 12.96% Debt 86.78% Other 0.25% Debt Sector Allocation
Sector Value Corporate 49.17% Government 47.57% Cash Equivalent 3.02% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity 7.3% Govt Stock 2053
Sovereign Bonds | -10% ₹300 Cr 28,500,000
↓ -10,000,000 Small Industries Development Bank Of India
Debentures | -4% ₹129 Cr 12,500 Power Grid Corporation Of India Limited
Debentures | -4% ₹111 Cr 1,050 National Bank for Agriculture and Rural Development
Domestic Bonds | -3% ₹107 Cr 10,000 Indian Railway Finance Corporation Limited
Debentures | -3% ₹107 Cr 1,000 State Bank Of India
Debentures | -3% ₹105 Cr 100 GAil (India) Limited
Debentures | -3% ₹102 Cr 1,000 8.17% Govt Stock 2044
Sovereign Bonds | -3% ₹98 Cr 8,500,000
↑ 1,500,000 State Government Securities (08/01/2038)
Sovereign Bonds | -3% ₹86 Cr 8,500,000 Rural Electrification Corporation Limited
Debentures | -3% ₹81 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 2024 was 8% , 2023 was 6.8% and 2022 was 3.6% . Kotak Banking and PSU Debt fund
Growth Launch Date 29 Dec 98 NAV (24 Apr 25) ₹64.8856 ↓ -0.02 (-0.04 %) Net Assets (Cr) ₹6,011 on 31 Mar 25 Category Debt - Banking & PSU Debt AMC Kotak Mahindra Asset Management Co Ltd Rating ☆☆☆☆ Risk Moderately Low Expense Ratio 0.81 Sharpe Ratio 1.07 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 1,000 Exit Load NIL Yield to Maturity 7.28% Effective Maturity 5 Years 4 Months 6 Days Modified Duration 3 Years 6 Months 29 Days Growth of 10,000 investment over the years.
Date Value 31 Mar 20 ₹10,000 31 Mar 21 ₹10,770 31 Mar 22 ₹11,301 31 Mar 23 ₹11,790 31 Mar 24 ₹12,663 31 Mar 25 ₹13,693 Returns for Kotak Banking and PSU Debt fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 24 Apr 25 Duration Returns 1 Month 2% 3 Month 3.2% 6 Month 4.9% 1 Year 9.6% 3 Year 7.2% 5 Year 6.8% 10 Year 15 Year Since launch Historical performance (Yearly) on absolute basis
Year Returns 2023 8% 2022 6.8% 2021 3.6% 2020 3.9% 2019 10.5% 2018 10.8% 2017 6.7% 2016 6.2% 2015 10% 2014 8.6% Fund Manager information for Kotak Banking and PSU Debt fund
Name Since Tenure Deepak Agrawal 1 Aug 08 16.59 Yr. Abhishek Bisen 1 Nov 22 2.33 Yr. Data below for Kotak Banking and PSU Debt fund as on 31 Mar 25
Asset Allocation
Asset Class Value Cash 5.08% Debt 94.63% Other 0.28% Debt Sector Allocation
Sector Value Corporate 55.12% Government 40.72% Cash Equivalent 3.87% Credit Quality
Rating Value AA 1.78% AAA 97.35% Top Securities Holdings / Portfolio
Name Holding Value Quantity 7.18% Govt Stock 2033
Sovereign Bonds | -9% ₹495 Cr 48,143,730 7.1% Govt Stock 2034
Sovereign Bonds | -7% ₹407 Cr 39,786,520 Power Finance Corp Ltd. 0.076%
Debentures | -6% ₹332 Cr 33,000 7.93% Govt Stock 2033
Sovereign Bonds | -4% ₹220 Cr 21,432,280 National Bank For Agriculture And Rural Development
Debentures | -4% ₹213 Cr 21,200 Power Grid Corporation Of India Limited
Debentures | -3% ₹182 Cr 20,002 Rural Electrification Corporation Limited
Debentures | -3% ₹156 Cr 15,500 HDFC Bank Limited
Debentures | -3% ₹154 Cr 1,500
↑ 1,500 Rural Electrification Corporation Limited
Debentures | -3% ₹153 Cr 15,000 State Bank Of India
Debentures | -2% ₹140 Cr 1,450 5. Aditya Birla Sun Life Banking & PSU Debt Fund
CAGR/Annualized return of 7.9% since its launch. Ranked 9 in Banking & PSU Debt category. Return for 2024 was 7.9% , 2023 was 6.9% and 2022 was 3.7% . Aditya Birla Sun Life Banking & PSU Debt Fund
Growth Launch Date 9 May 08 NAV (24 Apr 25) ₹363.907 ↓ -0.05 (-0.01 %) Net Assets (Cr) ₹8,588 on 31 Mar 25 Category Debt - Banking & PSU Debt AMC Birla Sun Life Asset Management Co Ltd Rating ☆☆☆☆ Risk Moderate Expense Ratio 0.7 Sharpe Ratio 1.17 Information Ratio 0 Alpha Ratio 0 Min Investment 1,000 Min SIP Investment 1,000 Exit Load NIL Yield to Maturity 7.22% Effective Maturity 4 Years 9 Months Modified Duration 3 Years 6 Months 7 Days Growth of 10,000 investment over the years.
Date Value 31 Mar 20 ₹10,000 31 Mar 21 ₹10,816 31 Mar 22 ₹11,323 31 Mar 23 ₹11,812 31 Mar 24 ₹12,669 31 Mar 25 ₹13,705 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 24 Apr 25 Duration Returns 1 Month 2% 3 Month 3.3% 6 Month 4.9% 1 Year 9.5% 3 Year 7.1% 5 Year 6.7% 10 Year 15 Year Since launch 7.9% Historical performance (Yearly) on absolute basis
Year Returns 2023 7.9% 2022 6.9% 2021 3.7% 2020 3.6% 2019 10.9% 2018 9.9% 2017 6.6% 2016 5.6% 2015 12.3% 2014 8.5% Fund Manager information for Aditya Birla Sun Life Banking & PSU Debt Fund
Name Since Tenure Kaustubh Gupta 29 Sep 09 15.51 Yr. Harshil Suvarnkar 22 Mar 21 4.03 Yr. Data below for Aditya Birla Sun Life Banking & PSU Debt Fund as on 31 Mar 25
Asset Allocation
Asset Class Value Cash 9.11% Debt 90.59% Other 0.31% Debt Sector Allocation
Sector Value Corporate 70.38% Government 30.78% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity Power Finance Corporation Ltd.
Debentures | -3% ₹301 Cr 30,000 7.1% Govt Stock 2034
Sovereign Bonds | -3% ₹255 Cr 24,904,000
↑ 500,000 Power Finance Corp Ltd. 7.6%
Debentures | -3% ₹251 Cr 25,000 Small Industries Development Bank Of India
Debentures | -3% ₹245 Cr 24,500 7.18% Govt Stock 2037
Sovereign Bonds | -2% ₹225 Cr 21,946,000 State Bank Of India
Debentures | -2% ₹208 Cr 210 REC Ltd. 7.71%
Debentures | -2% ₹196 Cr 19,500 National Bank For Agriculture And Rural Development
Debentures | -2% ₹184 Cr 18,500 7.18% Govt Stock 2033
Sovereign Bonds | -2% ₹182 Cr 17,674,100
↓ -400,000 Rural Electrification Corporation Limited
Debentures | -2% ₹174 Cr 17,500
బ్యాంకింగ్ మరియు PSU ఫండ్స్‌లో ఎలా పెట్టుబడి పెట్టాలి?
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