Aditya Birla Sun Life Banking & PSU Debt Fund is a Banking & PSU fund run by Aditya Birla Sun Life Mutual Fund. On 30-09-2026, it managed ₹8,439 Cr of investors' money. In the 3 years to 30-10-2026, its Direct plan returned 6.8% a year and its Regular plan returned 6.4% a year. Its benchmark, NIFTY Banking & PSU Debt Index A-II, returned 6.6% a year over the same 3 years.
NAV (Direct plan)
₹402.77
▲ 0.02% · 30-10-2026
NAV (Regular plan)
₹386.34
▲ 0.02% · 30-10-2026
Expense ratio
0.41%Direct0.75%Regular
0.41%
A year
Riskometer
Moderate
Set by the fund house
3 year return
6.8%Direct6.4%Regular
6.8%
A year
Aditya Birla Sun Life Banking & PSU Debt Fund NAV Today
NAV on 30-10-2026: Direct Plan Growth ₹402.77 (up 0.02% that day); Regular Plan Growth ₹386.34 (up 0.02% that day).
This fund (Direct plan)
₹402.7738
Aditya Birla Sun Life Banking & PSU Debt Fund Returns vs NIFTY Banking & PSU Debt Index A-II
Returns as on 30-10-2026. Up to one year they are absolute returns. Longer periods are a rate per year.
Trailing returns
Period
1M
3M
6M
1Y
3Y
5Y
10Y
This fund (Direct)
−0.29%
−0.13%
+1.99%
+3.49%
+6.75%
+6.12%
+6.97%
This fund (Regular)
−0.32%
−0.21%
+1.82%
+3.14%
+6.39%
+5.76%
+6.62%
NIFTY Banking & PSU Debt Index A-II
+0.16%
+0.57%
+2.67%
+4.43%
+6.60%
+5.65%
--
Banking & PSU average
−0.21%
+0.14%
+2.36%
+4.04%
+6.88%
+6.22%
+6.95%
Best in Banking & PSU
+0.29%
+1.41%
+3.21%
+5.74%
+7.47%
+7.79%
+7.22%
Worst in Banking & PSU
−0.45%
−0.53%
+1.89%
+2.97%
+6.32%
+5.58%
+6.46%
Rank in Banking & PSU
12/19
14/19
16/19
15/19
12/18
10/16
9/13
Category rows compare the Direct plans of 19 Banking & PSU funds. Rank 1 is the highest return. The benchmark row is as on 30-09-2026, as NSE published it.
Aditya Birla Sun Life Banking & PSU Debt Fund Year-wise Returns
Return of each calendar year
Year
Direct
Regular
2026to date
+2.86%
+2.57%
2025
+7.71%
+7.34%
2024
+8.24%
+7.88%
2023
+7.23%
+6.86%
2022
+4.01%
+3.65%
2021
+3.94%
+3.59%
Aditya Birla Sun Life Banking & PSU Debt Fund Rolling Returns
The return of every holding period in the fund's history, not only the one that ends today
Rolling returns
Each point is the yearly return of one 3-year holding period, plotted on the day it ended. There are 2,620 periods, one for each trading day from 04-01-2016 to 30-10-2026.
0%5%10%15%
Aditya Birla Sun Life Banking & PSU Debt Fund (Direct)
Category average, 19 Banking & PSU funds
Nov 2013 to Nov 2016Sept 2015 to Sept 2018Jul 2017 to Jul 2020May 2019 to May 2022Mar 2021 to Mar 2024Dec 2022 to Dec 2025
Aditya Birla Sun Life Banking & PSU Debt Fund (Direct)Category average, 19 Banking & PSU funds
0%
0%
Below 0%
1%
3%
0-5%
82%
96%
5-10%
17%
1%
10-15%
0%
0%
15-20%
0%
0%
20-25%
0%
0%
Above 25%
Every holding period at a glance
Period
Periods
Median
Lowest
Highest
With a loss
Category median
Beat category
1 year
3,097
8.2%
2.8%
14.8%
0%
8.1%
72%
2 years
2,861
8.1%
3.9%
12.2%
0%
7.9%
84%
3 years
2,620
8.1%
4.9%
12.3%
0%
7.8%
91%
5 years
2,137
7.5%
6.1%
10.0%
0%
7.3%
95%
7 years
1,655
7.8%
6.6%
10.1%
0%
7.4%
99%
10 years
927
8.0%
7.0%
8.6%
0%
7.7%
100%
Every SIP holding period at a glance
Period
Periods
Median
Lowest
Highest
With a loss
Category median
Beat category
1 year
154
8.0%
2.1%
17.1%
0%
7.9%
68%
2 years
142
8.0%
3.5%
13.5%
0%
7.8%
77%
3 years
130
7.8%
4.8%
12.8%
0%
7.5%
91%
5 years
106
7.4%
6.2%
9.8%
0%
7.2%
92%
7 years
82
7.2%
6.4%
9.8%
0%
7.0%
97%
10 years
46
7.4%
6.8%
7.7%
0%
7.2%
100%
Lumpsum: the yearly rate (CAGR) from the NAV on a period's first day to the NAV on its last. SIP: the XIRR of the monthly instalments and their value on the last day. "With a loss" counts the periods that ended below the money put in. "Beat category" counts the periods in which the fund did better than the average of the 19 Banking & PSU funds (Direct plans, each weighted the same) over the same days. Past returns do not promise future returns.
Aditya Birla Sun Life Banking & PSU Debt Fund Risk
How much it swings, and the falls an investor had to sit through
Risk and return
Measure
Aditya Birla Sun Life Banking & PSU Debt Fund (Direct)This fund
Category average
Return (CAGR)
+3.49%
+4.04%
Standard deviation
1.30%
1.18%
Sharpe ratio
-1.36
-1.02
Sortino ratio
-1.80
-1.39
Maximum drawdown
−0.73%
(23-10-2026)
−0.54%
(02-04-2026)
From daily NAVs, 30-10-2025 to 30-10-2026. Standard deviation: how much the daily value swings, scaled to a year. Sharpe: return above the risk-free rate (NSE's overnight rate index) per unit of swing. Sortino: the same, counting only the falls.
Measure
Aditya Birla Sun Life Banking & PSU Debt Fund (Direct)This fund
Category average
Return (CAGR)
+6.75%
+6.89%
Standard deviation
1.07%
1.00%
Sharpe ratio
0.68
0.87
Sortino ratio
0.97
1.29
Maximum drawdown
−0.73%
(23-10-2026)
−0.54%
(02-04-2026)
From daily NAVs, 30-10-2023 to 30-10-2026. Standard deviation: how much the daily value swings, scaled to a year. Sharpe: return above the risk-free rate (NSE's overnight rate index) per unit of swing. Sortino: the same, counting only the falls.
Measure
Aditya Birla Sun Life Banking & PSU Debt Fund (Direct)This fund
Category average
Return (CAGR)
+6.12%
+6.19%
Standard deviation
0.99%
0.98%
Sharpe ratio
0.33
0.39
Sortino ratio
0.45
0.54
Maximum drawdown
−0.83%
(06-05-2022)
−0.91%
(05-05-2022)
From daily NAVs, 29-10-2021 to 30-10-2026. Standard deviation: how much the daily value swings, scaled to a year. Sharpe: return above the risk-free rate (NSE's overnight rate index) per unit of swing. Sortino: the same, counting only the falls.
Measure
Aditya Birla Sun Life Banking & PSU Debt Fund (Direct)This fund
Category average
Return (CAGR)
+6.97%
+6.96%
Standard deviation
1.70%
1.60%
Sharpe ratio
0.93
0.98
Sortino ratio
1.44
1.59
Maximum drawdown
−3.0%
(23-03-2020)
−3.2%
(23-03-2020)
From daily NAVs, 28-10-2016 to 30-10-2026. Standard deviation: how much the daily value swings, scaled to a year. Sharpe: return above the risk-free rate (NSE's overnight rate index) per unit of swing. Sortino: the same, counting only the falls.
Measure
Aditya Birla Sun Life Banking & PSU Debt Fund (Direct)This fund
Category average
Return (CAGR)
+8.09%
+7.65%
Standard deviation
1.59%
1.46%
Sharpe ratio
1.28
1.12
Sortino ratio
2.00
1.76
Maximum drawdown
−3.0%
(23-03-2020)
−3.2%
(23-03-2020)
From daily NAVs, 02-01-2013 to 30-10-2026. Standard deviation: how much the daily value swings, scaled to a year. Sharpe: return above the risk-free rate (NSE's overnight rate index) per unit of swing. Sortino: the same, counting only the falls.
Drawdowns
How far below its previous high each one was on every day: the falls an investor had to sit through. 0% means it was at a new high.
−4%−3%−2%−1%0%
Aditya Birla Sun Life Banking & PSU Debt Fund (Direct)
Category average, 19 Banking & PSU funds
2014201620182020202220242026
Aditya Birla Sun Life Banking & PSU Debt Fund (Direct)Category average, 19 Banking & PSU funds
Worst fall
High before it
Bottom
Back at the high
Time to climb back
Below its high today
Aditya Birla Sun Life Banking & PSU Debt Fund (Direct)
−3.0%
06-03-2020
23-03-2020
20-04-2020
28 days
−0.58%
Category average
−3.2%
06-03-2020
23-03-2020
20-04-2020
28 days
−0.37%
From the Direct plan's daily NAV since 02-01-2013, adjusted for unit splits, and the average of the 19 Banking & PSU funds (Direct plans, each weighted the same) over the same days. "Time to climb back" runs from the bottom to the first day back at the old high.
Aditya Birla Sun Life Banking & PSU Debt Fund vs Other Banking & PSU Funds
The five Banking & PSU funds with the best three year return, and this fund. Direct plans.
AUM is each fund's size at the end of its last reported month, from its own portfolio file. We calculate the risk ratios from daily NAVs over the last three years. The risk-free return is what NSE's overnight rate index earned over the same years. Alpha and beta compare each fund with its own benchmark's TRI. "--" means we have no figure: for alpha and beta, no daily series for that benchmark.
Aditya Birla Sun Life Banking & PSU Debt Fund Expense Ratio and Costs
What each plan charges a year, in force from 01-09-2026
Plan
Base expense ratio
Brokerage
Transaction costs
Levies and GST
Total expense ratio
Banking & PSU median
Cost rank (1 = cheapest)
Direct
0.33%
0.01%
0.01%
0.06%
0.41%
0.36%
17/19
Regular
0.62%
0.01%
0.01%
0.11%
0.75%
0.70%
13/19
The expense ratio comes out of the fund's assets every day, so every return on this page is already after it. Base expense ratio: the fund house's own fee. The total adds brokerage, the cost of executing trades, and statutory levies with GST. From AMFI's expense ratio file. Cost rank: where this plan comes when the Banking & PSU funds' plans of the same type are sorted from the lowest total expense ratio to the highest.
Direct vs Regular: what the gap cost
Both plans own the same portfolio, so the difference in what they earned is the Regular plan's extra cost, taken out of its NAV.
Over the last
Regular
Direct
Direct earned more by
₹1 lakh became (Regular)
₹1 lakh became (Direct)
1 year
3.14%
3.49%
0.35%
₹1,03,140
₹1,03,490
3 years
6.39%
6.75%
0.36% a year
₹1,20,421
₹1,21,648
5 years
5.76%
6.12%
0.36% a year
₹1,32,314
₹1,34,582
10 years
6.62%
6.97%
0.35% a year
₹1,89,840
₹1,96,164
Returns over more than 1 year are a rate a year (CAGR). ₹1 lakh invested once at the start of each period, valued on the last NAV.
Aditya Birla Sun Life Banking & PSU Debt Fund SIP Calculator
What a one-time or monthly investment in this fund would be worth today, from its own NAV history
Growth of an investment
Step up each year
PeriodFor
₹10,000 on the first trading day of every month, from 01-03-2013 to 30-10-2026: 164 instalments, ₹16,40,000 in all.
Investment
Invested
Value now
Gain
Return a year
Direct planAditya Birla Sun Life Banking & PSU Debt Fund (Direct)
₹16,40,000
₹27,53,597
₹11,13,597
7.2%
Regular planAditya Birla Sun Life Banking & PSU Debt Fund (Regular)
Direct planAditya Birla Sun Life Banking & PSU Debt Fund (Direct)Regular planAditya Birla Sun Life Banking & PSU Debt Fund (Regular)Category averageCategory average, 19 Banking & PSU fundsAmount invested
From each plan's published NAV (Growth option) and the category average, over the same days. Return a year: XIRR for a SIP, CAGR for a lumpsum, shown for a year or more. It does not include exit load, stamp duty or tax. Past returns do not promise future returns.
Aditya Birla Sun Life Banking & PSU Debt Fund Asset Allocation
Asset allocation as on 30-09-2026
What the fund holds
89.7%Debt
Asset
Fund
Category
Debt
89.7%
91.5%
Cash and others
10.3%
8.5%
Credit rating
Bonds and money market papers by credit rating, % of the fund. Category: the average of 19 Banking & PSU funds.
Rating
Fund
Category
Sovereign
5.7%
8.9%
AAA and A1+
84.1%
81.8%
Aditya Birla Sun Life Banking & PSU Debt Fund Portfolio Holdings
As on 30-09-2026 · 183 holdings · from the fund house's monthly portfolio
Holdings
Rating
Weight%
7.48% National Bank for Agriculture and Rural Development (15/09/2028) · Bond
CRISIL AAA
6.72%
6.58% Indian Railway Finance Corporation Ltd. (30/05/2030) · Bond
ICRA AAA
2.28%
7.56% REC Ltd. (31/08/2027) · Bond
ICRA AAA
2.25%
7.28% REC Ltd. (31/08/2029) · Bond
CRISIL AAA
2.05%
6.78% Indian Railway Finance Corporation Ltd. (30/04/2030) · Bond
ICRA AAA
1.87%
7.42% State Bank of India (29/08/2039) · Bond
ICRA AAA
1.83%
7.60% Power Finance Corporation Ltd. (13/04/2029) · Bond
ICRA AAA
1.77%
7.44% National Bank for Agriculture and Rural Development (24/02/2028) · Bond
ICRA AAA
1.77%
7.70% Small Industries Development Bank of India (10/10/2029) · Bond
CRISIL AAA
1.77%
Shivshakti Securitisation Trust (28/09/2029)
CRISIL AAA(SO)
1.64%
7.45% Power Finance Corporation Ltd. (15/07/2028) · Bond
ICRA AAA
1.47%
7.34% Small Industries Development Bank of India (26/02/2029) · Bond
CRISIL AAA
1.47%
HDFC Bank Ltd. (15/01/2027) · Certificate of deposit
CARE A1+
1.45%
7.27% Power Finance Corporation Ltd. (15/10/2031) · Bond
ICRA AAA
1.44%
7.34% REC Ltd. (30/04/2030) · Bond
ICRA AAA
1.40%
7.23% Housing and Urban Development Corporation Ltd. (18/07/2029) · Bond
CARE AAA
1.17%
6.47% Indian Railway Finance Corporation Ltd. (30/05/2028) · Bond
ICRA AAA
1.16%
7.59% Indian Renewable Energy Development Agency Ltd. (26/07/2034) · Bond
ICRA AAA
1.16%
6.85% National Bank for Agriculture and Rural Development (19/01/2029) · Bond
ICRA AAA
1.16%
6.66% Small Industries Development Bank of India (25/10/2028) · Bond
CRISIL AAA
1.16%
HDFC Bank Ltd. (05/02/2027) · Certificate of deposit
ICRA A1+
1.16%
Canara Bank (10/02/2027) · Certificate of deposit
CRISIL A1+
1.16%
7.93% Bajaj Finance Ltd. (02/05/2034) · Bond
CRISIL AAA
1.16%
7.79% Small Industries Development Bank of India (14/05/2027) · Bond
CRISIL AAA
1.12%
Small Industries Development Bank of India (03/09/2027) · Certificate of deposit
CRISIL A1+
1.11%
7.30% Bharti Telecom Ltd. (01/12/2027) · Bond
CRISIL AAA
1.06%
7.66% National Bank for Financing Infrastructure and Development (16/06/2036) · Bond
ICRA AAA
1.05%
7.79% Tata Capital Housing Finance Ltd. (18/06/2030) · Bond
ICRA AAA
1.02%
Siddhivinayak Securitisation Trust (28/09/2030)
CRISIL AAA(SO)
0.97%
7.35% Export-Import Bank of India (27/07/2028) · Bond
ICRA AAA
0.94%
7.77% REC Ltd. (31/03/2028) · Bond
CRISIL AAA
0.89%
Export-Import Bank of India (01/03/2027) · Certificate of deposit
ICRA A1+
0.86%
HDFC Bank Ltd. (09/03/2027) · Certificate of deposit
ICRA A1+
0.86%
HDFC Bank Ltd. (12/03/2027) · Certificate of deposit
ICRA A1+
0.86%
Small Industries Development Bank of India (20/08/2027) · Certificate of deposit
CRISIL A1+
0.83%
7.40% Bharti Telecom Ltd. (01/02/2029) · Bond
CRISIL AAA
0.75%
7.16% National Bank for Agriculture and Rural Development (14/12/2029) · Bond
ICRA AAA
0.73%
6.80% National Housing Bank (02/04/2032) · Bond
CARE AAA
0.71%
6.60% REC Ltd. (30/06/2027) · Bond
ICRA AAA
0.71%
8.23% Indian Railway Finance Corporation Ltd. (29/03/2029) · Bond
CRISIL AAA
0.66%
8.22% Aditya Birla Housing Finance Ltd. (05/06/2029) · Bond
ICRA AAA
0.60%
8.30% REC Ltd. (23/03/2029) · Bond
CRISIL AAA
0.60%
7.00% Small Industries Development Bank of India (04/06/2029) (FRN) · Bond
CARE AAA
0.59%
7.75% Small Industries Development Bank of India (10/06/2027) · Bond
CRISIL AAA
0.59%
7.55% Poonawalla Fincorp Ltd. (25/03/2027) · Bond
CRISIL AAA
0.59%
7.34% TATA Capital Ltd. (21/02/2029) (FRN) · Bond
ICRA AAA
0.59%
7.60% Poonawalla Fincorp Ltd. (28/05/2027) · Bond
CRISIL AAA
0.59%
7.97% TATA Capital Ltd. (19/07/2028) · Bond
ICRA AAA
0.59%
8.05% Tata Capital Housing Finance Ltd. (18/06/2029) · Bond
ICRA AAA
0.59%
7.61% Small Industries Development Bank of India (10/08/2029) · Bond
CRISIL AAA
0.59%
7.38% REC Ltd. (28/02/2029) · Bond
ICRA AAA
0.59%
7.23% Kotak Mahindra Investments Ltd. (26/05/2028) · Bond
ICRA AAA
0.58%
7.10% National Bank for Agriculture and Rural Development (29/03/2029) · Bond
ICRA AAA
0.58%
Bank of Baroda (08/01/2027) · Certificate of deposit
CARE A1+
0.58%
Indian Bank (12/01/2027) · Certificate of deposit
CRISIL A1+
0.58%
Indian Bank (05/02/2027) · Certificate of deposit
CRISIL A1+
0.58%
Kotak Mahindra Bank Ltd. (12/02/2027)
CRISIL A1+
0.58%
Bank of Baroda (12/02/2027) · Certificate of deposit
CARE A1+
0.58%
Union Bank of India (22/02/2027) · Certificate of deposit
IND A1+
0.58%
Axis Bank Ltd. (26/02/2027)
CRISIL A1+
0.58%
National Bank for Financing Infrastructure and Development (04/03/2027) · Certificate of deposit
IND A1+
0.58%
ICICI Bank Ltd. (08/03/2027)
ICRA A1+
0.58%
ICICI Bank Ltd. (25/03/2027)
ICRA A1+
0.57%
6.65% Rajgarh Transmission Ltd. (05/06/2030) · Bond
IND AAA
0.57%
7.23% Bank of Baroda (16/01/2035) · Bond
CRISIL AAA
0.57%
Indian Bank (24/06/2027) · Certificate of deposit
CRISIL A1+
0.56%
8.00% HDFC Bank Ltd. (27/07/2032) · Bond
ICRA AAA
0.47%
7.45% Bharti Telecom Ltd. (15/12/2028) · Bond
CRISIL AAA
0.47%
6.87% REC Ltd. (31/05/2030) · Bond
ICRA AAA
0.46%
State Government Securities (12/01/2035)
Sovereign
0.46%
State Government Securities (17/06/2035) · State government security
Sovereign
0.43%
7.77% HDFC Bank Ltd. (28/06/2027) · Bond
ICRA AAA
0.41%
7.36% ICICI Home Finance Co. Ltd. (02/05/2030) · Bond
ICRA AAA
0.40%
Government of India (18/08/2055) · Government security
Sovereign
0.39%
7.46% REC Ltd. (30/06/2028) · Bond
ICRA AAA
0.35%
7.86% HDFC Bank Ltd. (02/12/2032) · Bond
CRISIL AAA
0.35%
7.62% TATA Capital Ltd. (08/04/2030) · Bond
ICRA AAA
0.35%
7.20% Knowledge Realty Trust (26/09/2028) · Bond
CRISIL AAA
0.34%
Corporate Debt Mkt Devp. Fund-A2
0.34%
0% GOI - (22/08/2028) STRIPS · Government security
Sovereign
0.33%
0% GOI - (15/10/2033) STRIPS · Government security
Sovereign
0.32%
7.04% National Bank for Financing Infrastructure and Development (07/04/2035) · Bond
ICRA AAA
0.31%
7.79% Small Industries Development Bank of India (19/04/2027) · Bond
CRISIL AAA
0.30%
7.70% REC Ltd. (10/12/2027) · Bond
ICRA AAA
0.30%
8.07% SMFG India Home Finance Co. Ltd. (10/09/2027) · Bond
CARE AAA
0.30%
7.15% Power Finance Corporation Ltd. (08/09/2027) · Bond
ICRA AAA
0.30%
7.46% Indian Railway Finance Corporation Ltd. (18/06/2029) · Bond
ICRA AAA
0.29%
7.83% Bajaj Housing Finance Ltd. (18/05/2029) · Bond
CRISIL AAA
0.29%
7.44% National Bank for Agriculture and Rural Development (17/07/2029) · Bond
ICRA AAA
0.29%
7.37% National Bank for Financing Infrastructure and Development (16/07/2029) · Bond
CRISIL AAA
0.29%
7.44% Power Finance Corporation Ltd. (15/01/2030) · Bond
ICRA AAA
0.29%
7.12% Export-Import Bank of India (27/06/2030) · Bond
ICRA AAA
0.29%
State Government Securities (27/08/2039) · State government security
Sovereign
0.29%
Small Industries Development Bank of India (14/01/2027) · Certificate of deposit
CRISIL A1+
0.29%
7.40% Bajaj Finance Ltd. (12/03/2029) · Bond
CRISIL AAA
0.29%
7.64% Bajaj Housing Finance Ltd. (01/07/2030) · Bond
CRISIL AAA
0.29%
6.66% National Bank for Agriculture and Rural Development (12/10/2028) · Bond
ICRA AAA
0.29%
Canara Bank (28/01/2027) · Certificate of deposit
ICRA A1+
0.29%
HDFC Bank Ltd. (15/02/2027) · Certificate of deposit
ICRA A1+
0.29%
7.03% National Bank for Financing Infrastructure and Development (08/04/2030) · Bond
ICRA AAA
0.29%
Kotak Mahindra Bank Ltd. (09/03/2027)
CRISIL A1+
0.29%
Canara Bank (11/03/2027) · Certificate of deposit
ICRA A1+
0.29%
Union Bank of India (16/03/2027) · Certificate of deposit
ICRA A1+
0.29%
6.70% REC Ltd. (31/12/2029) · Bond
ICRA AAA
0.29%
7.95% HDB Financial Services Ltd. (04/06/2035) · Bond
CRISIL AAA
0.28%
7.15% National Bank for Financing Infrastructure and Development (28/03/2035) · Bond
ICRA AAA
0.28%
Small Industries Development Bank of India (11/06/2027) · Certificate of deposit
CRISIL A1+
0.28%
0% GOI - (06/05/2030) STRIPS · Government security
Sovereign
0.27%
8.58% Housing and Urban Development Corporation Ltd. (14/02/2029) · Bond
ICRA AAA
0.24%
8.01% REC Ltd. (24/03/2028) · Bond
CRISIL AAA
0.24%
0% GOI - (16/06/2030) STRIPS · Government security
Sovereign
0.23%
India Universal Trust AL1 (20/09/2030)
IND AAA(SO)
0.21%
7.96% Pipeline Infrastructure Pvt Ltd. (11/03/2028) · Bond
CRISIL AAA
0.19%
Government of India (15/04/2039) · Government security
Sovereign
0.18%
7.77% LIC Housing Finance Ltd. (11/08/2028) · Bond
CRISIL AAA
0.18%
Government of India (06/11/2073) · Government security
Sovereign
0.17%
7.90% Mahindra & Mahindra Financial Services Ltd. (30/08/2027) · Bond
CARE AAA
0.17%
0% GOI - (15/10/2034) STRIPS · Government security
Sovereign
0.17%
0% GOI - (16/06/2028) STRIPS · Government security
Sovereign
0.16%
0% GOI - (12/03/2028) STRIPS · Government security
Sovereign
0.16%
0% GOI - (22/08/2029) STRIPS · Government security
Sovereign
0.15%
0% GOI - (15/04/2036) STRIPS · Government security
Sovereign
0.12%
8.55% Indian Railway Finance Corporation Ltd. (21/02/2029) · Bond
CRISIL AAA
0.12%
8.50% National Bank for Agriculture and Rural Development (27/02/2029) · Bond
CRISIL AAA
0.12%
0% GOI - (15/10/2036) STRIPS · Government security
Sovereign
0.12%
State Government Securities (03/09/2035) · State government security
Sovereign
0.12%
7.40% National Bank for Agriculture and Rural Development (29/04/2030) · Bond
ICRA AAA
0.12%
7.39% Indian Railway Finance Corporation Ltd. (15/07/2034) · Bond
ICRA AAA
0.12%
0% GOI - (19/03/2028) STRIPS · Government security
Sovereign
0.12%
0% GOI - (15/04/2037) STRIPS · Government security
Sovereign
0.11%
0% GOI - (17/06/2027) STRIPS · Government security
Sovereign
0.11%
0% GOI - (12/09/2028) STRIPS · Government security
Sovereign
0.11%
0% GOI - (15/10/2037) STRIPS · Government security
Sovereign
0.11%
0% GOI - (15/04/2038) STRIPS · Government security
Sovereign
0.11%
0% GOI - (22/10/2029) STRIPS · Government security
Sovereign
0.10%
8.85% Power Grid Corporation of India Ltd. (19/10/2026) · Bond
CRISIL AAA
0.10%
State Government Securities (03/12/2034) · State government security
Sovereign
0.09%
India Universal Trust AL2 (21/11/2030)
IND AAA(SO)
0.09%
0% GOI - (15/04/2039) STRIPS · Government security
Sovereign
0.07%
0% GOI - (15/10/2039) STRIPS · Government security
Sovereign
0.07%
7.99% National Bank for Agriculture and Rural Development (02/02/2033) · Bond
CRISIL AAA
0.06%
8.13% Power Grid Corporation of India Ltd. (25/04/2028) · Bond
ICRA AAA
0.06%
8.13% Power Grid Corporation of India Ltd. (25/04/2027) · Bond
ICRA AAA
0.06%
7.85% LIC Housing Finance Ltd. (18/08/2032) · Bond
CRISIL AAA
0.06%
7.84% HDFC Bank Ltd. (16/12/2032) · Bond
CRISIL AAA
0.06%
7.89% Bajaj Housing Finance Ltd. (08/09/2032) · Bond
CRISIL AAA
0.06%
Small Industries Development Bank of India (26/02/2027) · Certificate of deposit
CRISIL A1+
0.06%
0% GOI - (16/12/2028) STRIPS · Government security
Sovereign
0.05%
0% GOI - (17/06/2029) STRIPS · Government security
Sovereign
0.05%
0% GOI - (16/12/2029) STRIPS · Government security
Sovereign
0.05%
State Government Securities (28/11/2028) · State government security
Sovereign
0.05%
India Universal Trust AL2 (21/09/2027)
IND AAA(SO)
0.05%
India Universal Trust AL1 (20/03/2027)
IND AAA(SO)
0.05%
0% GOI - (22/02/2031) STRIPS · Government security
Sovereign
0.04%
0% GOI - (22/08/2031) STRIPS · Government security
Sovereign
0.04%
Government of India (06/10/2035) · Government security
Sovereign
0.04%
Government of India (18/05/2066) · Government security
Sovereign
0.03%
Government of India (23/05/2036) · Government security
Sovereign
0.03%
Government of India (20/03/2029) · Government security
Sovereign
0.03%
State Government Securities (29/03/2033) · State government security
Sovereign
0.02%
State Government Securities (27/03/2040) · State government security
Sovereign
0.02%
State Government Securities (27/03/2036) · State government security
Sovereign
0.02%
State Government Securities (14/09/2032) · State government security
Sovereign
0.02%
State Government Securities (16/09/2029) · State government security
Sovereign
0.01%
State Government Securities (15/04/2030) · State government security
Sovereign
0.01%
7.43% National Bank for Agriculture and Rural Development (31/01/2030) · Bond
ICRA AAA
0.01%
Government of India (11/05/2036) · Government security
Sovereign
0.01%
State Government Securities (21/10/2028) · State government security
Sovereign
0.01%
Government of India (07/07/2040) · Government security
Sovereign
0.01%
Government of India (25/11/2074) · Government security
Sovereign
0.01%
0% GOI - (15/06/2029) STRIPS · Government security
Sovereign
0.01%
0% GOI - (01/06/2029) STRIPS · Government security
Sovereign
0.01%
State Government Securities (24/08/2032) · State government security
Sovereign
0.01%
7.49% National Highways Authority of India (01/08/2029) · Bond
CRISIL AAA
0.01%
Government of India (23/10/2028) · Government security
Sovereign
0.01%
Government of India (08/01/2028) · Government security
Sovereign
0.01%
0% GOI - (12/03/2029) STRIPS · Government security
Sovereign
0.00%
0% GOI - (16/06/2027) STRIPS · Government security
Sovereign
0.00%
Government of India (18/04/2029) · Government security
Sovereign
0.00%
Government of India (22/04/2064) · Government security
Sovereign
0.00%
Government of India (27/07/2041) · Government security
Sovereign
0.00%
State Government Securities (04/02/2043) · State government security
Sovereign
0.00%
State Government Securities (27/03/2038) · State government security
Sovereign
0.00%
Aditya Birla Sun Life Banking & PSU Debt Fund Portfolio Overlap
Funds with the most similar portfolios, across every fund house and category
Overlap: for each holding both funds own, the smaller of its two weights, added up. 40% means 40% of each fund's money sits in positions the other also holds. From each fund's latest monthly portfolio, matched by ISIN. Cash and hedged positions are left out. Funds that overlap under 10% are not listed. A high overlap does not make two funds the same: their costs, lock-in and category can differ.
Aditya Birla Sun Life Banking & PSU Debt Fund Overview
Fund facts from the scheme summary document, as on 16-10-2026
Expense ratio (Direct)
0.41%
Expense ratio (Regular)
0.75%
Category
Banking & PSU
Risk
Moderate
Benchmark
NIFTY Banking & PSU Debt Index A-II
Launch date
19-04-2002
Minimum investment
₹1,000
Minimum additional investment
₹1,000
AUM
₹8,439.17 Cr (30-09-2026)
Lock in
None
Scheme code (Direct)
119550
ISIN (Direct)
INF209K01YN0
Scheme code (Regular)
108273
ISIN (Regular)
INF209K01LV0
NAV history
From 02-01-2013, 13.8 years
Exit load
Nil
Tax on Aditya Birla Sun Life Banking & PSU Debt Fund returns
Aditya Birla Sun Life Banking & PSU Debt Fund is taxed as a debt fund: 65% or more of it is in bonds and money market papers.
For units bought on or after 01-04-2023, the gain is added to your income and taxed at your slab rate, however long you hold the units.
IDCW (dividend) payouts are added to your income and taxed at your slab rate.
A stamp duty of 0.005% is deducted when you invest.
Rules in force from 23-07-2024 (Finance Act 2024). Tax depends on your own income; this is general information, not tax advice.
All plans and options
Plan
Option
NAV
As on
direct
Monthly Dcw Payout
₹116.0762
30-10-2026
direct
Growth
₹402.7738
30-10-2026
direct
IDCW Re Investment
₹106.6503
30-10-2026
direct
Quarterly IDCW Payout
₹103.4473
30-10-2026
regular
Growth
₹386.336
30-10-2026
regular
IDCW Re Investment
₹149.1326
30-10-2026
regular
Monthly IDCW Payout
₹111.2969
30-10-2026
regular
Quarterly IDCW Payout
₹100.9667
30-10-2026
About Aditya Birla Sun Life Banking & PSU Debt Fund
Aditya Birla Sun Life Banking & PSU Debt Fund is a mutual fund from Aditya Birla Sun Life Mutual Fund. Its category is Banking & PSU. It was launched on 19-04-2002. Its benchmark is NIFTY Banking & PSU Debt Index A-II. At the end of September 2026 it held 183 securities.
Fund Manager
Kaustubh Gupta
Fund manager of Aditya Birla Sun Life Banking & PSU Debt Fund, since 29-09-2009
Harshil Suvarnkar
Fund manager of Aditya Birla Sun Life Banking & PSU Debt Fund, since 22-03-2021
Frequently Asked Questions for Aditya Birla Sun Life Banking & PSU Debt Fund
What is the current NAV of Aditya Birla Sun Life Banking & PSU Debt Fund?
The Direct plan NAV is ₹402.7738. The Regular plan NAV is ₹386.336, as on 30-10-2026.
What are the returns of Aditya Birla Sun Life Banking & PSU Debt Fund?
The Direct plan returned +3.49% in 1 year, +6.75% a year over 3 years, +6.12% a year over 5 years. The Regular plan returned +3.14% in 1 year, +6.39% a year over 3 years, +5.76% a year over 5 years. These figures are as on 30-10-2026.
What is the expense ratio of Aditya Birla Sun Life Banking & PSU Debt Fund?
The Direct plan charges 0.41% a year. The Regular plan charges 0.75% a year. This is the figure the fund house reported to AMFI, in force from 01-09-2026.
What is the AUM of Aditya Birla Sun Life Banking & PSU Debt Fund?
Aditya Birla Sun Life Banking & PSU Debt Fund managed ₹8,439.17 Cr on 30-09-2026, as its fund house reported in its monthly portfolio.
What are the top holdings of Aditya Birla Sun Life Banking & PSU Debt Fund?
At the end of September 2026 the largest holdings were 7.48% National Bank for Agriculture and Rural Development (15/09/2028) (6.72%), 6.58% Indian Railway Finance Corporation Ltd. (30/05/2030) (2.28%), 7.56% REC Ltd. (31/08/2027) (2.25%), 7.28% REC Ltd. (31/08/2029) (2.05%), 6.78% Indian Railway Finance Corporation Ltd. (30/04/2030) (1.87%). The fund held 183 securities in all.
How do I invest in Aditya Birla Sun Life Banking & PSU Debt Fund?
Through Aditya Birla Sun Life Mutual Fund's website or app, a mutual fund distributor, or an investment platform. Choose the Direct plan to pay no distributor commission, or the Regular plan to invest through a distributor. The first investment is at least ₹1,000. You can invest once or through a monthly SIP.
Who is the fund manager of Aditya Birla Sun Life Banking & PSU Debt Fund?
What is the exit load of Aditya Birla Sun Life Banking & PSU Debt Fund?
Nil
Sources: NAV and expense ratio from AMFI. Holdings from the fund house's monthly portfolio statement. Fund facts from its scheme summary document, as on 16-10-2026.
This page is information, not investment advice. Mutual fund investments are subject to market risks; read all scheme related documents carefully. Past returns do not promise future returns. Figures come from AMFI, NSE, BSE and each fund house's own documents.
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