Aditya Birla Sun Life Banking & PSU Debt Fund Direct-Growth

Q: What are the returns of Aditya Birla Sun Life Banking & PSU Debt Fund?

The Aditya Birla Sun Life Banking & PSU Debt Fund is a 12 yrs 5 m old fund and has delivered average annual returns of 8.57% since inception. Aditya Birla Sun Life Banking & PSU Debt Fund Returns 1-Year 3-Year 5-Year 10-Year Since Inception 10.25% 8.1% 6.95% 8.08% 8.57%

NAV as of Jun 05, 2025	Returns since inception	ET Money Rank	AUM (Fund size)
₹382.5603+0.03% 1 day change	8.57% p.a.	#NA View Ranked Funds	₹8,826 Crs

Historical NAV & returns

NAV: ₹382.5603 as on Jun 05, 2025

This fund Category average

Aditya Birla Sun Life Banking & PSU Debt Fund overview

Expense ratio	0.39% as on May 31, 2025
Exit load	0%
AUM (Fund size)	₹8,826 Crs
Lock-in	No Lockin
Age	12 yrs 5 m since Jan 01, 2013
Benchmark	Nifty Banking & PSU Debt Index A-II
Min. investment	SIP ₹1000 & Lump. ₹1000
Risk	Moderate
Tax on your gains	Profits are added to your income and taxed as per your slab rate

Aditya Birla Sun Life Banking & PSU Debt Fund Returns calculator

Investment type

Monthly investment

₹ 10,000

Investment period

Lumpsum investment

₹1 lakh

Investment period

Disclaimer: Products compared like fixed deposits may provide fixed guaranteed returns. Mutual Funds investments are subject to market risk, read all scheme related documents carefully. Past performance is not an indicator of future returns.

Total investment ₹ 12 lakh
Profit ₹12 lakhs
Total corpus ₹1 lakh
Absolute return 52.69%

Trailing returns as on Jun 06, 2025

Period	This fund	Category average
1 Month	1.2%	1.12%
3 Months	4.06%	3.91%
6 Months	5.53%	5.41%
1 Year	10.25%	10.04%
2 Years	8.6%	8.38%
3 Years	8.1%	8.01%
4 Years	6.79%	6.59%
5 Years	6.95%	6.67%
7 Years	7.92%	7.67%
10 Years	8.08%	7.65%

Asset allocationas on Apr 30, 2025

Large Cap 0.0%

Mid Cap 0.0%

Small Cap 0.0%

Other Cap 0.0%

Top holdings

Bifurcation by Holding is not available for this fund

Top sectors

Bifurcation by Sector is not available for this fund

AAA 81.53313273%

SOV 12.25209538%

A1+ 3.09501954%

Cash & Call Money 2.82615188%

Top Debt Holdings

Small Industries Devp. Bank of India Ltd. 7.68%

National Bank For Agriculture & Rural Development 7.27%

REC Ltd. 6.79%

HDFC Bank Ltd. 4.0%

Allocation by Instruments

Debenture 42.96364586999999%

Bonds 22.849553019999995%

Non Convertible Debenture 11.864592300000002%

GOI Securities 10.042009969999997%

Other Holdings

Others 0.15%

Peer comparison

Fund name	ETM Rank	AUM (in Crs.)	Fund age	Expense ratio
Aditya Birla Sun Life Banking & PSU Debt Fund	N.A.	₹8,826 Crs	12 yrs 5 m	0.39%
ICICI Prudential Banking & PSU Debt Fund	N.A.	₹10,447 Crs	12 yrs 5 m	0.39%
Axis Banking & PSU Debt Fund	N.A.	₹13,313 Crs	12 yrs 5 m	0.35%
LIC MF Banking & PSU Fund	N.A.	₹1,702 Crs	12 yrs 5 m	0.28%
Bandhan Banking & PSU Debt Fund	N.A.	₹13,369 Crs	12 yrs 3 m	0.33%

Fund name	1M	6M	1Y	3Y	5Y	10Y
Aditya Birla Sun Life Banking & PSU Debt Fund	1.2%	5.53%	10.25%	8.1%	6.95%	8.08%
ICICI Prudential Banking & PSU Debt Fund	0.97%	5.2%	9.62%	8.29%	7.13%	8.06%
Axis Banking & PSU Debt Fund	1.06%	5.29%	9.74%	7.57%	6.52%	7.65%
LIC MF Banking & PSU Fund	1.21%	5.73%	10.51%	7.96%	6.43%	7.45%
Bandhan Banking & PSU Debt Fund	0.96%	5.08%	9.46%	7.65%	6.58%	7.6%

Fund name	Std. deviation	Beta	Sharpe	Sortino
Aditya Birla Sun Life Banking & PSU Debt Fund	1.02	2.25	1.42	2.85
ICICI Prudential Banking & PSU Debt Fund	0.81	1.4	2.05	3.97
Axis Banking & PSU Debt Fund	0.99	2.27	1.01	1.76
LIC MF Banking & PSU Fund	1.2	2.74	1.15	2.37
Bandhan Banking & PSU Debt Fund	0.86	2.08	1.24	2.65

View all Banking And Psu funds

Key risk & return ratios Compared to other funds in the category

Alpha	5.72 vs. 4.47 Higher outperformance against benchmark
Sharpe	1.42 vs. 4.28 Poor risk-adjusted returns
Beta	2.25 vs. 2.17 More sensitive to market's ups & downs
Standard deviation	1.02 vs. 1.01 More volatile performance

Compare Aditya Birla Sun Life Banking & PSU Debt Fund in detail with

About this fund

About Aditya Birla Sun Life Banking & PSU Debt Fund

Aditya Birla Sun Life Banking & PSU Debt Fund Direct-Growth is a Banking and PSU mutual fund scheme from Aditya Birla Sun Life Mutual Fund. This fund has been in existence for 12 yrs 5 m, having been launched on 01/01/2013. Aditya Birla Sun Life Banking & PSU Debt Fund Direct-Growth has ₹8,826 Crores worth of assets under management (AUM) as on 31/03/2025 and is medium-sized fund of its category. The latest Net Asset Value (NAV) of Aditya Birla Sun Life Banking & PSU Debt Fund Direct-Growth as of 05/06/2025 is ₹382.56. The fund has an expense ratio of 0.39%, which is close to what most other Banking And Psu funds charge.

Aditya Birla Sun Life Banking & PSU Debt Fund Direct-Growth returns of last 1-year are 10.35%. Since launch, it has delivered 8.58% average annual returns. The fund has doubled the money invested in it every 10 yrs.
Aditya Birla Sun Life Banking & PSU Debt Fund Direct-Growth scheme's ability to deliver returns consistently is in-line with most funds of its category. Its ability to control losses in a falling market is above average.
The fund's credit profile is very high indicating it has lent to borrowers whose quality is excellent. Most funds in this category lend to better borrowers and hence the risk of default in this fund is higher than the category.
The fund's top holdings are in Small Industries Devp. Bank of India Ltd., National Bank For Agriculture & Rural Development, REC Ltd., HDFC Bank Ltd., Bajaj Finance Ltd..

...

Fund AUM	₹8,826 Crs as on Mar 31, 2025
Scheme document	View Scheme Document

Fund managers

Harshil Suvarnkar

Mr. Suvarnkar has doneB.Com, Masters in Management Studies (Finance) and Post Graduate Diploma in Securities Law. Prior to Joining Aditya Birla Sun Life MF, he has worked with Indiabulls Housing Finance Limited,

Kaustubh Gupta

Mr. Gupta is a B.Com and a Chartered Accountant. Prior to joining Aditya Birla Sun Life AMC he has worked with ICICI Bank.

Investment objective

The scheme seeks to generate reasonable returns by primarily investing in debt and money market securities that are issued by Banks, Public Sector undertakings (PSUs) and Public Financial Institutions (PFIs) in India.

Aditya Birla Sun Life Mutual Fund details

No. of schemes	87 view all schemes
Total AUM	₹3,82,890 Crs as on Mar 31, 2025
Address	One World Center, Tower 1, 17th Floor, Jupiter Mill Compound Senapati Bapat Marg, Elphinstone Road Mumbai, 400013

More funds from Aditya Birla Sun Life Mutual Fund

Fund name	ETM Rank	AUM (in Crs.)	1Y	3Y
Aditya Birla Sun Life Medium Term Fund	N.A.	₹2,338 Crs	15.78%	15.8%
Aditya Birla Sun Life Credit Risk Fund	N.A.	₹985 Crs	18.7%	12.23%
Aditya Birla Sun Life Dynamic Bond Fund	N.A.	₹1,837 Crs	11.74%	10.03%
Aditya Birla Sun Life Long Duration Fund	N.A.	₹179 Crs	12.11%	N.A.
Aditya Birla Sun Life Government Securities Fund	N.A.	₹1,987 Crs	10.75%	9.17%
Aditya Birla Sun Life Corporate Bond Fund	N.A.	₹25,884 Crs	10.41%	8.48%

See all Debt funds from this AMC

Frequently asked questions

What is the current NAV of Aditya Birla Sun Life Banking & PSU Debt Fund?

The current Net Asset Value (NAV) of the Aditya Birla Sun Life Banking & PSU Debt Fund - Direct Growth plan is approximately ₹382.5603 as of Jun 05, 2025.

What are the returns of this mutual fund scheme?

The Aditya Birla Sun Life Banking & PSU Debt Fund is a 12 yrs 5 m old fund and has delivered average annual returns of 8.57% since inception.

Aditya Birla Sun Life Banking & PSU Debt Fund Returns

1-Year	3-Year	5-Year	10-Year	Since Inception
10.25%	8.1%	6.95%	8.08%	8.57%

How much does this mutual fund charge as expense ratio?

The Aditya Birla Sun Life Banking & PSU Debt Fund - Direct Growth has an expense ratio of 0.39%, which reflects the fund's management and operating costs. This percentage is subtracted from the fund's annual returns, impacting net returns for investors.

What is the AUM or fund size of this mutual fund?

The Aditya Birla Sun Life Banking & PSU Debt Fund currently has assets under management (AUM) or fund size valued at approximately ₹8,826 Crs crore as of Mar 31, 2025.

To whom does Aditya Birla Sun Life Banking & PSU Debt Fund lend to?

The top 3 debt holdings of Aditya Birla Sun Life Banking & PSU Debt Fund are as follows

Holding Name	Percentage of Portfolio
Small Industries Devp. Bank of India Ltd.	7.68%
National Bank For Agriculture & Rural Development	7.27%
REC Ltd.	6.79%

What is the quality of borrowers this mutual fund scheme lends to?

The credit rating of the instruments in which the fund invests represents the quality of the borrower.

The Aditya Birla Sun Life Banking & PSU Debt Fund allocation by credit quality is given below

Credit Quality	Percentage of Portfolio
AAA	81.53313273%
SOV	12.25209538%
A1+	3.09501954%

What is risk level of Aditya Birla Sun Life Banking & PSU Debt Fund?

This is a Banking And Psu fund comes with Moderate risk.

Is there any lock-in period in this mutual fund?

No, this fund does not have any lock-in period.

How do I invest in Aditya Birla Sun Life Banking & PSU Debt Fund?

It is very fast, easy, and completely paperless in this mutual fund scheme on ET Money. It is just a matter of a few minutes. Here's how:

For the Desktop Version:

Click on the "Invest Now" button at the top right, then scan the QR code to download the app.

For the Mobile Version:

Click on the "Invest on App" button at the bottom to download the app.
Once the app is downloaded:
Sign-up and complete your one time KYC process, or log in if you're already registered.
Search for Aditya Birla Sun Life Banking & PSU Debt Fund and choose the investment mode (Lump sum investment or a SIP). Then, enter your investment amount.
Fill in additional required details, including the bank account you'll use for payment, and confirm.

All set! Your investment in Aditya Birla Sun Life Banking & PSU Debt Fund is complete.

How can I redeem my investments in Aditya Birla Sun Life Banking & PSU Debt Fund?

Redeeming your investments in Aditya Birla Sun Life Banking & PSU Debt Fund is super easy. If you have invested in this fund via ET Money, just login into the app, go to the investment section and put the redemption request.

If you have invested in Aditya Birla Sun Life Banking & PSU Debt Fund from anywhere else, you can go to the fund house website and put a request through it.

ET Money rank

in Banking and PSU

#NA

Return Outperformance: This fund has generated highest return amongst Banking and PSU funds in the last 10 Years.
Age: This is the oldest Banking and PSU fund.
Exit Load: This fund has no exit load.
Return/Risk: The fund is performing poorly than its category.