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Aditya Birla Sun Life Banking & PSU Debt Fund Direct Growth
Debt
Banking and PSU
Moderate Risk
+7.50%
3Y annualised
-0.11% 1D
NAV: 19 Jan '26
₹390.34
Min. SIP amount
₹1,000
Fund size
₹9,064.21 Cr
Expense ratio
0.39%
Return calculator
Monthly SIP
One time
Monthly investment
₹5,000
| Over the past | Total investment | Would've become | Historic returns | Returns |
|---|---|---|---|---|
| 1 year | ₹60,000 | ₹61,343 | +2.24% | |
| 3 years | ₹1,80,000 | ₹1,99,618 | +10.90% | |
| 5 years | ₹3,00,000 | ₹3,55,059 | +18.35% | |
| 10 years | ₹6,00,000 | ₹8,62,212 | +43.70% |
Holdings (193)
| Name | Sector | Instruments | Assets |
|---|---|---|---|
| National Bank For Agriculture & Rural Development | Financial | Bonds | 4.36% |
| Power Finance Corporation Ltd. | Financial | Debenture | 3.33% |
| Power Finance Corporation Ltd. | Financial | NCD | 2.53% |
| National Housing Bank | Financial | Bonds | 2.45% |
| State Bank of India | Financial | Debenture | 2.33% |
| Bharti Telecom Ltd. | Communication | Debenture | 2.25% |
| GOI | Sovereign | GOI Sec | 2.20% |
| Indian Railway Finance Corporation Ltd. | Financial | Bonds | 2.18% |
| REC Ltd. | Financial | Debenture | 2.12% |
| HDFC Bank Ltd. | Financial | Debenture | 2.05% |
| Bajaj Finance Ltd. | Financial | Debenture | 1.84% |
| National Bank For Agriculture & Rural Development | Financial | Bonds | 1.69% |
| National Bank For Agriculture & Rural Development | Financial | Bonds | 1.68% |
| Indian Railway Finance Corporation Ltd. | Financial | NCD | 1.66% |
| National Bank For Financing Infrastructure And Development | Financial | Bonds | 1.65% |
| Shivshakti Securitisation Trust | Others | Sec. Debt | 1.61% |
| Small Industries Devp. Bank of India Ltd. | Financial | Debenture | 1.60% |
| National Bank For Agriculture & Rural Development | Financial | Debenture | 1.57% |
| Bajaj Finance Ltd. | Financial | Debenture | 1.41% |
| HDFC Bank Ltd. | Financial | Debenture | 1.40% |
| Power Finance Corporation Ltd. | Financial | Debenture | 1.39% |
| Small Industries Devp. Bank of India Ltd. | Financial | Debenture | 1.38% |
| REC Ltd. | Financial | Debenture | 1.37% |
| Indian Railway Finance Corporation Ltd. | Financial | NCD | 1.34% |
| Small Industries Devp. Bank of India Ltd. | Financial | Debenture | 1.14% |
| Indian Renewable Energy Development Agency Ltd. | Financial | Debenture | 1.12% |
| National Bank For Agriculture & Rural Development | Financial | Bonds | 1.12% |
| Bihar State | Others | SDL | 1.10% |
| Indian Railway Finance Corporation Ltd. | Financial | Bonds | 1.10% |
| Power Grid Corporation Of India Ltd. | Energy | Bonds | 1.09% |
| REC Ltd. | Financial | Debenture | 1.06% |
| REC Ltd. | Financial | NCD | 1.00% |
| Bharti Telecom Ltd. | Communication | Debenture | 0.99% |
| Power Grid Corporation Of India Ltd. | Energy | Debenture | 0.98% |
| REC Ltd. | Financial | Debenture | 0.95% |
| REC Ltd. | Financial | Bonds | 0.95% |
| GOI | Sovereign | GOI Sec | 0.89% |
| Power Finance Corporation Ltd. | Financial | Bonds | 0.84% |
| Small Industries Devp. Bank of India Ltd. | Financial | Bonds | 0.84% |
| Power Finance Corporation Ltd. | Financial | Debenture | 0.83% |
| Housing & Urban Development Corporation Ltd. | Financial | Debenture | 0.82% |
| Canara Bank | Financial | CD | 0.82% |
| GOI | Sovereign | GOI Sec | 0.75% |
| REC Ltd. | Financial | Debenture | 0.66% |
| Tata Capital Housing Finance Ltd. | Financial | Bonds | 0.57% |
| HDFC Bank Ltd. | Financial | Debenture | 0.56% |
| Tata Capital Financial Services Ltd. | Financial | Bonds | 0.56% |
| Small Industries Devp. Bank of India Ltd. | Financial | Debenture | 0.56% |
| REC Ltd. | Financial | Debenture | 0.56% |
| Export-Import Bank Of India | Financial | Bonds | 0.56% |
| REC Ltd. | Financial | NCD | 0.55% |
| National Housing Bank | Financial | Debenture | 0.55% |
| Bank Of Baroda | Financial | Bonds | 0.55% |
| Poonawalla Fincorp Ltd. | Financial | Debenture | 0.55% |
| Poonawalla Fincorp Ltd. | Financial | Debenture | 0.55% |
| Kotak Mahindra Investments Ltd. | Financial | Debenture | 0.55% |
| Indian Railway Finance Corporation Ltd. | Financial | Bonds | 0.55% |
| Indian Railway Finance Corporation Ltd. | Financial | Bonds | 0.55% |
| National Bank For Financing Infrastructure And Development | Financial | Bonds | 0.54% |
| Canara Bank | Financial | CD | 0.54% |
| GOI | Sovereign | GOI Sec | 0.52% |
| LIC Housing Finance Ltd. | Financial | Debenture | 0.51% |
| Indian Railway Finance Corporation Ltd. | Financial | Debenture | 0.45% |
| Bharti Telecom Ltd. | Communication | Debenture | 0.44% |
| Madhya Pradesh State | Others | SDL | 0.44% |
| Siddhivinayak Securitisation Trust | Others | Sec. Debt | 0.40% |
| HDFC Bank Ltd. | Financial | Debenture | 0.39% |
| ICICI Home Finance Company Ltd. | Financial | Bonds | 0.39% |
| GOI | Sovereign | GOI Sec | 0.34% |
| HDFC Bank Ltd. | Financial | Debenture | 0.34% |
| GOI | Sovereign | GOI Sec | 0.33% |
| Tata Capital Ltd. | Financial | Debenture | 0.33% |
| GOI | Sovereign | GOI Sec | 0.33% |
| Knowledge Realty Trust | Construction | Debenture | 0.32% |
| GOI | Sovereign | GOI Sec | 0.30% |
| GOI | Sovereign | GOI Sec | 0.29% |
| HDFC Bank Ltd. | Financial | Debenture | 0.28% |
| REC Ltd. | Financial | NCD | 0.28% |
| REC Ltd. | Financial | NCD | 0.28% |
| Power Finance Corporation Ltd. | Financial | Bonds | 0.28% |
| REC Ltd. | Financial | Debenture | 0.28% |
| Small Industries Devp. Bank of India Ltd. | Financial | NCD | 0.28% |
| Small Industries Devp. Bank of India Ltd. | Financial | Bonds | 0.28% |
| National Bank For Agriculture & Rural Development | Financial | Bonds | 0.28% |
| National Bank For Financing Infrastructure And Development | Financial | Debenture | 0.28% |
| Fullerton India Home Finance Ltd. | Financial | NCD | 0.28% |
| Assam State | Others | SDL | 0.28% |
| Power Finance Corporation Ltd. | Financial | Debenture | 0.28% |
| Power Finance Corporation Ltd. | Financial | NCD | 0.28% |
| Axis Finance Ltd. | Financial | Debenture | 0.28% |
| Uttar Pradesh State | Others | SDL | 0.28% |
| National Bank For Agriculture & Rural Development | Financial | Debenture | 0.28% |
| GOI | Sovereign | GOI Sec | 0.28% |
| REC Ltd. | Financial | Debenture | 0.28% |
| REC Ltd. | Financial | Debenture | 0.28% |
| HDB Financial Services Ltd. | Financial | Debenture | 0.28% |
| Indian Railway Finance Corporation Ltd. | Financial | Bonds | 0.28% |
| HDB Financial Services Ltd. | Financial | Bonds | 0.27% |
| National Bank For Financing Infrastructure And Development | Financial | Bonds | 0.27% |
| Power Finance Corporation Ltd. | Financial | Debenture | 0.27% |
| Union Bank of India | Financial | CD | 0.27% |
| Bihar State | Others | SDL | 0.27% |
| GOI | Sovereign | GOI Sec | 0.24% |
| Indian Railway Finance Corporation Ltd. | Financial | Debenture | 0.23% |
| REC Ltd. | Financial | Debenture | 0.23% |
| Tata Capital Financial Services Ltd. | Financial | Bonds | 0.23% |
| Power Finance Corporation Ltd. | Financial | Debenture | 0.22% |
| Tamilnadu State | Others | SDL | 0.22% |
| Karnataka State | Others | SDL | 0.22% |
| India Universal Trust AL1 | Others | Sec. Debt | 0.21% |
| GOI | Sovereign | GOI Sec | 0.21% |
| Pipeline Infrastructure (India) Pvt. Ltd. | Construction | Debenture | 0.18% |
| GOI | Sovereign | GOI Sec | 0.17% |
| LIC Housing Finance Ltd. | Financial | Bonds/NCD | 0.17% |
| Aditya Birla Finance Ltd. | Financial | Debenture | 0.17% |
| Mahindra & Mahindra Financial Services Ltd. | Financial | Bonds | 0.17% |
| Bank Of Baroda | Financial | CD | 0.16% |
| Madhya Pradesh State | Others | SDL | 0.16% |
| Uttar Pradesh State | Others | SDL | 0.16% |
| Maharashtra State | Others | SDL | 0.16% |
| Maharashtra State | Others | SDL | 0.16% |
| GOI | Sovereign | CGL | 0.15% |
| GOI | Sovereign | GOI Sec | 0.15% |
| GOI | Sovereign | GOI Sec | 0.15% |
| GOI | Sovereign | GOI Sec | 0.13% |
| GOI | Sovereign | GOI Sec | 0.13% |
| National Bank For Agriculture & Rural Development | Financial | NCD | 0.12% |
| Indian Railway Finance Corporation Ltd. | Financial | NCD | 0.12% |
| GOI | Sovereign | GOI Sec | 0.11% |
| Nuclear Power Corpn. Of India Ltd. | Energy | Bonds | 0.11% |
| GOI | Sovereign | GOI Sec | 0.11% |
| Rajasthan State | Others | SDL | 0.11% |
| GOI | Sovereign | GOI Sec | 0.11% |
| GOI | Sovereign | GOI Sec | 0.10% |
| GOI | Sovereign | GOI Sec | 0.10% |
| GOI | Sovereign | GOI Sec | 0.10% |
| GOI | Sovereign | GOI Sec | 0.10% |
| GOI | Sovereign | GOI Sec | 0.10% |
| Power Grid Corporation Of India Ltd. | Energy | Bonds | 0.09% |
| India Universal Trust AL1 | Others | Sec. Debt | 0.09% |
| GOI | Sovereign | GOI Sec | 0.09% |
| Maharashtra State | Others | SDL | 0.09% |
| India Universal Trust AL1 | Others | Sec. Debt | 0.08% |
| India Universal Trust AL1 | Others | Sec. Debt | 0.07% |
| GOI | Sovereign | GOI Sec | 0.06% |
| GOI | Sovereign | GOI Sec | 0.06% |
| GOI | Sovereign | GOI Sec | 0.06% |
| National Bank For Agriculture & Rural Development | Financial | Bonds | 0.06% |
| LIC Housing Finance Ltd. | Financial | Debenture | 0.06% |
| Bajaj Housing Finance Ltd. | Financial | Debenture | 0.06% |
| Power Grid Corporation Of India Ltd. | Energy | Debenture | 0.06% |
| HDFC Bank Ltd. | Financial | Debenture | 0.06% |
| Tata Capital Ltd. | Financial | Debenture | 0.06% |
| Power Grid Corporation Of India Ltd. | Energy | Debenture | 0.06% |
| India Universal Trust AL1 | Others | Sec. Debt | 0.06% |
| Kerala State | Others | SDL | 0.06% |
| GOI | Sovereign | GOI Sec | 0.05% |
| GOI | Sovereign | GOI Sec | 0.05% |
| Karnataka State | Others | SDL | 0.05% |
| GOI | Sovereign | GOI Sec | 0.05% |
| Tamilnadu State | Others | SDL | 0.05% |
| GOI | Sovereign | GOI Sec | 0.05% |
| GOI | Sovereign | GOI Sec | 0.04% |
| GOI | Sovereign | GOI Sec | 0.04% |
| GOI | Sovereign | GOI Sec | 0.04% |
| GOI | Sovereign | GOI Sec | 0.04% |
| India Universal Trust AL1 | Others | Sec. Debt | 0.04% |
| Madhya Pradesh State | Others | SDL | 0.04% |
| GOI | Sovereign | GOI Sec | 0.03% |
| GOI | Sovereign | GOI Sec | 0.02% |
| Uttarakhand State | Others | SDL | 0.02% |
| Uttar Pradesh State | Others | SDL | 0.02% |
| Uttar Pradesh State | Others | SDL | 0.02% |
| Madhya Pradesh State | Others | SDL | 0.02% |
| Maharashtra State | Others | SDL | 0.02% |
| Gujarat State | Construction | SDL | 0.01% |
| GOI | Sovereign | GOI Sec | 0.01% |
| National Bank For Agriculture & Rural Development | Financial | Debenture | 0.01% |
| Maharashtra State | Others | SDL | 0.01% |
| Maharashtra State | Others | SDL | 0.01% |
| Madhya Pradesh State | Others | SDL | 0.01% |
| GOI | Sovereign | CGL | 0.01% |
| GOI | Sovereign | GOI Sec | 0.01% |
| Uttar Pradesh State | Others | SDL | 0.01% |
| National Highways Authority of India Ltd. | Services | Debenture | 0.01% |
| GOI | Sovereign | GOI Sec | 0.01% |
| Gujarat State | Construction | SDL | 0.01% |
| GOI | Sovereign | GOI Sec | 0.01% |
| GOI | Sovereign | GOI Sec | 0.00% |
| GOI | Sovereign | GOI Sec | 0.00% |
| GOI | Sovereign | GOI Sec | 0.00% |
| GOI | Sovereign | GOI Sec | 0.00% |
| Uttar Pradesh State | Others | SDL | 0.00% |
See All
Minimum investments
Min. for 1st investment
₹1,000
Min. for 2nd investment
₹1,000
Min. for SIP
₹1,000
Returns and rankings
Annualised returns
Absolute returns
| Name | 3Y | 5Y | 10Y | All |
|---|---|---|---|---|
| Fund returns | +7.5% | +6.2% | +7.7% | +8.3% |
| Category average (Debt Banking and PSU) | +7.3% | +5.7% | +7.1% | -- |
| Rank (Debt Banking and PSU) | 10 | 8 | 3 | -- |
Exit load, stamp duty and tax
Exit load
Nil
Stamp duty on investment: 0.005% (from July 1st, 2020)
from July 1st 2020
Tax implication
Returns are taxed as per your Income Tax slab.
Check past data
Compare similar funds
| Name | 1Y | 3Y | Fund Size(Cr) | |
|---|---|---|---|---|
ICICI Prudential Banking & PSU Debt Direct Growth | +7.49% | +7.80% | 9,727.95 | |
UTI Banking & PSU Fund Direct Growth | +7.72% | +7.51% | 1,014.91 | |
TRUSTMF Banking & PSU Fund Direct Growth | +7.40% | +7.46% | 131.79 | |
Axis Banking & PSU Debt Direct Plan Growth | +7.36% | +7.32% | 13,573.62 | |
Bandhan Banking and PSU Fund Direct Growth | +6.99% | +7.30% | 12,650.77 | |
| Compare | ||||
Fund management
KGKaustubh GuptaJan 2013 - PresentView details
KG
Kaustubh Gupta
Jan 2013 - Present
View details
HSHarshil SuvarnkarMar 2021 - PresentView details
HS
Harshil Suvarnkar
Mar 2021 - Present
View details
About Aditya Birla Sun Life Banking & PSU Debt Fund Direct Growth
Aditya Birla Sun Life Banking & PSU Debt Fund Direct Growth is a Debt Mutual Fund Scheme launched by Aditya Birla Sun Life Mutual Fund. This scheme was made available to investors on 23 Dec 1994. Kaustubh Gupta is the Current Fund Manager of Aditya Birla Sun Life Banking & PSU Debt Fund Direct Growth fund. The fund currently has an Asset Under Management(AUM) of ₹4,30,736 Cr and the Latest NAV as of 19 Jan 2026 is ₹390.34.
The Aditya Birla Sun Life Banking & PSU Debt Fund Direct Growth is rated Moderate risk. Minimum SIP Investment is set to ₹1,000. Minimum Lumpsum Investment is ₹1,000.
;
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.
Fund benchmarkNifty Banking & PSU Debt Index A-II
Fund house
Rank (total assets)#4 in India
Total AUM₹4,30,735.61 Cr
Date of Incorporation23 Dec 1994
Launch Date23 Dec 1994
AddressOne World Center, Tower 1, 17th Floor, Jupiter Mill CompoundSenapati Bapat Marg, Elphinstone Road Mumbai 400013
Websitewww.camsonline.com
Address7th Floor, Tower II, Rayala Towers, 158, Anna Salai,