Aditya Birla Sun Life Banking & PSU Debt Fund

Q: What are the returns of this mutual fund scheme?

The Aditya Birla Sun Life Banking & PSU Debt Fund is a 17 yrs 9 m old fund and has delivered average annual returns of 7.74% since inception. Aditya Birla Sun Life Banking & PSU Debt Fund Returns 1-Year 3-Year 5-Year 10-Year Since Inception 6.37% 7.07% 5.96% 7.37% 7.74%

NAV as of Feb 02, 2026	Returns since inception	ET Money Rank	AUM (Fund size)
₹375.9562-0.04% 1 day change	7.74% p.a.	App exclusive #NA View Ranked Funds	₹9,064 Cr

Historical NAV & returns

NAV: ₹375.9562 as on Feb 02, 2026

This fund Category average

Aditya Birla Sun Life Banking & PSU Debt Fund overview

AUM (Fund size)	₹9,064 Cr
Exit load	0%
Lock-in Period	Nil
Age	17 yrs 9 m since Apr 24, 2008
Benchmark	Nifty Banking & PSU Debt Index A-II
Min. investment	SIP: ₹500 & Lumpsum: ₹1000
Expense ratio	0.73% as on Feb 02, 2026
Plan type	Regular
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 Feb 03, 2026

Period	This fund	Category average
1 Month	-0.11%	0.0%
3 Months	0.28%	0.53%
6 Months	1.41%	1.68%
1 Year	6.37%	6.56%
2 Years	7.04%	7.17%
3 Years	7.07%	7.14%
4 Years	6.37%	6.33%
5 Years	5.96%	5.84%
7 Years	7.04%	6.83%
10 Years	7.37%	6.98%

Asset allocationas on Dec 31, 2025

Large Cap 0%

Mid Cap 0%

Small Cap 0%

Other Cap 0%

Top holdings

Bifurcation by Holding is not available for this fund

Top sectors

Bifurcation by Sector is not available for this fund

AAA 81.34493119%

SOV 13.10527175%

Cash & Call Money 3.45189156%

A1+ 1.79407308%

Top Debt Holdings

Power Finance Corporation Ltd. 6.32%

HDFC Bank Ltd. 5.08%

Bharti Telecom Ltd. 3.68%

Bajaj Finance Ltd. 3.25%

Allocation by Instruments

Debenture 43.430210410000015%

Bonds 26.49283259%

GOI Securities 8.98797517%

Non Convertible Debenture 8.703584249999999%

Other Holdings

Others 0.3%

Detailed portfolio analysis

Peer comparison

Fund name	1M	6M	1Y	3Y	5Y	10Y
Aditya Birla Sun Life Banking & PSU Debt Fund	-0.11%	1.41%	6.37%	7.07%	5.96%	7.37%
ICICI Prudential Banking & PSU Debt Fund	-0.02%	2.01%	6.86%	7.41%	6.27%	7.39%
ITI Banking & PSU Debt Fund	0.14%	1.8%	6.24%	6.75%	5.88%	2.95%
Axis Banking & PSU Debt Fund	-0.03%	1.74%	6.66%	6.96%	5.8%	7.11%
Bandhan Banking and PSU Fund	0.06%	1.71%	6.37%	6.94%	5.8%	7.05%
Sundaram Banking & PSU Fund	-0.05%	1.73%	6.68%	7.22%	5.6%	6.52%

Fund name	Std. deviation	Beta	Sharpe	Sortino
Aditya Birla Sun Life Banking & PSU Debt Fund	1.25	1.47	0.62	0.87
ICICI Prudential Banking & PSU Debt Fund	0.93	1.08	1.17	1.58
ITI Banking & PSU Debt Fund	0.87	0.96	0.5	0.86
Axis Banking & PSU Debt Fund	1.08	1.31	0.62	0.93
Bandhan Banking and PSU Fund	1.0	1.23	0.62	0.99
Sundaram Banking & PSU Fund	1.17	1.43	0.78	1.29

Fund name	ETM Rank	AUM	Fund age	Expense ratio
Aditya Birla Sun Life Banking & PSU Debt Fund	N.A.	9,064 Cr	17 yrs 9 m	0.73%
ICICI Prudential Banking & PSU Debt Fund	N.A.	9,728 Cr	16 yrs 1 m	0.73%
ITI Banking & PSU Debt Fund	N.A.	37 Cr	5 yrs 3 m	0.7%
Axis Banking & PSU Debt Fund	N.A.	13,574 Cr	13 yrs 8 m	0.62%
Bandhan Banking and PSU Fund	N.A.	12,651 Cr	12 yrs 11 m	0.66%
Sundaram Banking & PSU Fund	N.A.	377 Cr	21 yrs 1 m	0.44%

View all Banking And Psu funds

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

Alpha	3.52 vs. 3.19 Higher outperformance against benchmark
Sharpe	0.62 vs. 3.7 Poor risk-adjusted returns
Beta	1.47 vs. 1.12 More sensitive to market's ups & downs
Standard deviation	1.25 vs. 1.13 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 is a Banking and PSU mutual fund scheme from Aditya Birla Sun Life Mutual Fund. This fund has been in existence for 17 yrs 9 m, having been launched on 24/04/2008. Aditya Birla Sun Life Banking & PSU Debt Fund has ₹9,064 Crores worth of assets under management (AUM) as on 31/12/2025 and is medium-sized fund of its category. The latest Net Asset Value (NAV) of Aditya Birla Sun Life Banking & PSU Debt Fund as of 02/02/2026 is ₹375.96. The fund has an expense ratio of 0.73%, which is higher than what most other Banking And Psu funds charge.

Aditya Birla Sun Life Banking & PSU Debt Fund returns of last 1-year are 6.42%. Since launch, it has delivered 7.92% average annual returns. The fund has doubled the money invested in it every 10 yrs.
Aditya Birla Sun Life Banking & PSU Debt Fund 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 below 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 Power Finance Corporation Ltd., HDFC Bank Ltd., Bharti Telecom Ltd., Bajaj Finance Ltd., Indian Railway Finance Corporation Ltd..

...

Fund AUM	9,064 Cr as on Dec 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	88 view all schemes
Total AUM	4,47,038 Cr as on Dec 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	1Y	3Y
Aditya Birla Sun Life Credit Risk Fund	N.A.	1,092 Cr	16.43%	11.79%
Aditya Birla Sun Life Medium Term Fund	N.A.	2,905 Cr	11.83%	9.83%
Aditya Birla Sun Life CRISIL IBX Gilt -Apr 2029 Index Fund	N.A.	615 Cr	7.7%	7.97%
Aditya Birla Sun Life CRISIL IBX 50:50 Gilt Plus SDL Apr 2028 Index Fund	N.A.	361 Cr	7.61%	7.73%
Aditya Birla Sun Life US Treasury 3-10 Year Bonds ETFs Passive FoF	N.A.	181 Cr	11.58%	N.A.
Aditya Birla Sun Life Floating Rate Fund	N.A.	13,416 Cr	7.19%	7.54%

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 plan is approximately ₹375.9562 as of Feb 02, 2026.

What are the returns of this mutual fund scheme?

The Aditya Birla Sun Life Banking & PSU Debt Fund is a 17 yrs 9 m old fund and has delivered average annual returns of 7.74% since inception.

Aditya Birla Sun Life Banking & PSU Debt Fund Returns

1-Year	3-Year	5-Year	10-Year	Since Inception
6.37%	7.07%	5.96%	7.37%	7.74%

How much does this mutual fund charge as expense ratio?

The Aditya Birla Sun Life Banking & PSU Debt Fund has an expense ratio of 0.73%, representing the annual cost of managing and operating the fund. This fee is deducted from the fund's AUM while declaring the daily NAV, reducing investor returns.

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 9,064 Cr as on Dec 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
Power Finance Corporation Ltd.	6.32%
HDFC Bank Ltd.	5.08%
Bharti Telecom Ltd.	3.68%

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	81.34493119%
SOV	13.10527175%
Cash & Call Money	3.45189156%

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

Redeeming your investments in the Aditya Birla Sun Life Banking & PSU Debt Fund is simple. If you have invested via ET Money, just log in to the app, go to the holdings section, and submit the redemption request.

If you have invested from anywhere else, you can go to the fund house website and put a request through it.

ET Money rank

App exclusive

in Banking and PSU

#NA

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