Aditya Birla Sun Life Banking & PSU Debt Fund

Aditya Birla Sun Life Banking & PSU Debt Fund

Debt

Aditya Birla Sun Life Mutual Fund

Banking & Psu

Get the latest NAV of Aditya Birla Sun Life Banking & PSU Debt Fund. View historical returns compared to its benchmark and category average. Know which stocks and sectors the fund is investing in. Get an estimate of returns from the SIP and lump sum returns calculator. View detailed holding analysis and peer comparison. Get INDmoney ranking of the fund.

₹393.69

▼-0.1%1D

NAV as on 16 Mar 2026

8.3%/per year

Since Inception

Absolute Gain%

▲▼

194 people have invested ₹ 15.4L in Aditya Birla Sun Life Banking & PSU Debt Fund in the last three months

Aditya Birla Sun Life Banking & PSU Debt Fund Performance vs. Banking and PSU Index

Fund returns vs Benchmark returns vs Category Average returns as on (16-Mar-26)

The fund has consistently outperformed the benchmark (Banking and PSU Index) over the last 1Y, 3Y, 5Y time periods.

Period
1M
3M
6M
1Y
3Y
5Y
This Fund
0.15%
0.78%
2.33%
6.94%
7.53%
6.48%
Banking and PSU Index
0.03%
0.74%
2.06%
6.37%
6.29%
5.42%
Banking & Psu Avg
0.02%
0.7%
2.09%
6.56%
7.08%
6.25%
Best in Banking & Psu
0.36%
1.4%
3.24%
7.95%
7.79%
7.49%
Worst in Banking & Psu
0.01%
0.68%
2.06%
6.26%
7.03%
5.78%
Category Rank
4/12
5/12
5/12
3/12
6/12
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Aditya Birla Sun Life Banking & PSU Debt Fund Ranking and Peer Comparison

Ranked based on performance, risk management and cost efficiency

9
/12
49% Performance
35% Risk Management
5% Cost

Ranked 9 out of 12 mutual funds in the banking & psu category as per INDmoney.

Fund Name
INDmoney Rank
AUM (in Crs.)
Expense Ratio
1Y Returns
3Y Returns
3Y Alpha
3Y Beta
3Y Sharpe
3Y Sortino
3Y Info Ratio
Aditya Birla Sun Life Banking & PSU Debt Fund
9/12
8,991Cr
0.39%
6.94%
7.53%
0.37
1.05
0.81
1.40
1.16
ICICI Prudential Banking and PSU Debt Fund
1/12
9,489Cr
0.39%
7.21%
7.74%
0.80
0.76
1.35
2.71
1.55
UTI Banking & PSU Fund
2/12
1,099Cr
0.2%
7.44%
7.63%
0.62
0.79
1.09
2.34
1.05
Kotak Banking and PSU Debt Fund
3/12
5,409Cr
0.4%
7.5%
7.78%
0.65
1.05
1.03
1.97
1.85
See all

Aditya Birla Sun Life Banking & PSU Debt Fund Returns Calculator

Calculate SIP and lumpsum returns based on historical performance

  • 1-time

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Total Investment

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Profit

Total Corpus

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Absolute Return
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Aditya Birla Sun Life Banking & PSU Debt Fund Asset Allocation

See fund asset allocation details as on (14-Mar-26)

Fund Distribution

as on (14-Mar-26)

AAA
100%
Cash allocation has gone down from 12.1% to 10.2%
Cash allocation has gone down from 12.1% to 10.2%
Debt allocation has gone up from 87.6% to 89.5%
Debt allocation has gone up from 87.6% to 89.5%

Aditya Birla Sun Life Banking & PSU Debt Fund Sector Allocation

See fund sector allocation details as on (14-Mar-26)

Sector Allocation

Corporate
59.1%
Government
37.8%
Cash Equivalent
3.1%

Top 3 Sectors in February were Financial Services, Corporate & Government

Feb'26

Financial Services

100%

Corporate

57%

Government

38%

Jan'26

Financial Services

100%

Corporate

58%

Government

35%

Aditya Birla Sun Life Banking & PSU Debt Fund Overview

Get key fund statistics, minimum investment details, AUM, expense ratio, exit load, and tax treatment.

Expense ratio0.39%
Benchmark
NIFTY Banking & PSU Debt TR INR
AUM₹8991 Cr
Inception Date1 January, 2013
Min Lumpsum/SIP₹1,000/₹1,000
Exit Load0%
Lock InNo Lock-in
TurnOver
183.82%
Risk
Risk meter
pointer
Moderate Risk

About Aditya Birla Sun Life Banking & PSU Debt Fund

Aditya Birla Sun Life Banking & PSU Debt Fund is a debt fund. This fund was started on 1 January, 2013. The fund is managed by Harshil Suvarnkar, Kaustubh Gupta. This fund is suitable to keep your money safe.

Key Parameters

  1. Aditya Birla Sun Life Banking & PSU Debt Fund has ₹8991 Cr worth of assets under management (AUM) as on Mar 2026 and is more than category average.
  2. The fund has an expense ratio 0.4.

Returns

Aditya Birla Sun Life Banking & PSU Debt Fund has given a CAGR return of 8.30% since inception. Over the last 1, 3 and 5 years the fund has given a CAGR return of 6.94%, 7.53% and 6.48% respectively.

Holdings

Aditya Birla Sun Life Banking & PSU Debt Fund has allocated its funds majorly in Financial Services, Corporate, Government, Cash Equivalent. Its top holdings are 6.68% Gs 2040, National Bank For Agriculture And Rural Development, National Housing Bank, Punjab National Bank, Indian Railway Finance Corporation Limited

Taxation

As it is a banking & psu mutual fund the taxation is as follows:
If the fund is debt oriented i.e. asset allocation of more than 65% in debt instruments:
Invested before 1 April 2023 and held for less than 24 months, STCG will be taxed at your income slab rate.
Invested before 1 April 2023 and held for more than 24 months, LTCG will be taxed at 12.5%.
Invested after 1 April 2023, capital gains will be taxed at your income slab rate.
Dividends will always be taxed at slab rate.

Investment objective of Aditya Birla Sun Life Banking & PSU Debt Fund

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.

Minimum Investment and lockin period

Minimum investment for lump sum payment is INR 1000.00 and for SIP is INR 1000.00. Aditya Birla Sun Life Banking & PSU Debt Fund has no lock in period.

Fund Manager

Harshil Suvarnkar

Fund Manager of Aditya Birla Sun Life Banking & PSU Debt Fund, since 22 March 2021

Kaustubh Gupta

Fund Manager of Aditya Birla Sun Life Banking & PSU Debt Fund, since 29 September 2009

Learn more about Aditya Birla Sun Life Mutual Fund
Parameters
Feb'26
Jan'26
Dec'25
AUM
₹ 9K Cr
₹ 9.1K Cr
₹ 9.1K Cr
  • AUM of the fund stands at 9K Cr as of Feb'26
  • AUM decreased by 83.3 Cr between Feb'26 and Jan'26

Frequently Asked Questions for Aditya Birla Sun Life Banking & PSU Debt Fund

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

INDmoney makes it simple to invest in the Aditya Birla Sun Life Banking & PSU Debt Fund. To do so, follow the steps below:
  • Download the INDmoney app.
  • Search for ‘Aditya Birla Sun Life Banking & PSU Debt Fund’.
  • Select whether you want to invest in SIP or lump sum.
  • Enter the amount you wish to invest.
  • Set up payments via bank mandate or UPI.

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

The NAV of the fund today is ₹393.69. NAV or Net Asset Value is the per unit price of a mutual fund. For example, if the NAV of a fund is ₹10, it means you can get 1000 units of that mutual fund at ₹10,000.

What is the return on the fund?

Aditya Birla Sun Life Banking & PSU Debt Fund fund has generated a return of 6.94% in 1 year, 7.53% in 3 years, 6.48% in 5 years.

Who is the fund manager of Aditya Birla Sun Life Banking & PSU Debt Fund?

The fund managers are Harshil Suvarnkar, Kaustubh Gupta.

What is the expense ratio of the fund?

The expense ratio is 0.39%. The Expense Ratio is a fee charged for managing the fund. This includes commissions, administrative costs etc.

What is the AUM of the fund?

The AUM of the fund is ₹8991 Cr. AUM stands for Assets Under Management. It refers to the total assets managed by the fund.

What are the top holdings of Aditya Birla Sun Life Banking & PSU Debt Fund?

The top 3 holdings of the fund are 6.68% Gs 2040(4.69%), National Bank For Agriculture And Rural Development(3.7%), National Housing Bank(2.44%)