Sharpe ratio
1.01Return earned for the risk taken.
Good
Good risk-adjusted returns. The fund has delivered strong returns for its level of risk.
+3.78%1Y Absolute Return
-0.08%1D
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Past performance is not an indicator of future returns.
Returns calculator comparison
Compare an illustrative investment outcome across return assumptions.
| Asset | Projected corpus | Total invested | Gain | Annual return |
|---|---|---|---|---|
| Aditya Birla Sun Life Banking & PSU Debt Fund- Direct Plan-GrowthFund 5Y annualised return | ₹8,50,654 | ₹7,32,612 | ₹1,18,042 | +6.20% |
| EPFIllustrative annual assumption | ₹8,95,132 | ₹7,32,612 | ₹1,62,520 | +8.25% |
| Residential propertyIllustrative annual assumption | ₹8,67,662 | ₹7,32,612 | ₹1,35,050 | +7.00% |
| PPFIllustrative annual assumption | ₹8,69,819 | ₹7,32,612 | ₹1,37,207 | +7.10% |
| Bank fixed depositIllustrative annual assumption | ₹8,56,981 | ₹7,32,612 | ₹1,24,369 | +6.50% |
| GoldIllustrative annual assumption | ₹8,67,662 | ₹7,32,612 | ₹1,35,050 | +7.00% |
| Savings accountIllustrative annual assumption | ₹7,86,827 | ₹7,32,612 | ₹54,215 | +3.00% |
Illustration only. Fund results use the available NAV-derived annualised return and can be negative. Reference rows are assumptions, not current quoted rates or guaranteed returns; property excludes transaction costs, taxes, and liquidity constraints. Mutual fund investments are subject to market risk.
Wealth multiple
₹1 became₹1.08
₹1 Lakh since launch₹1.08 Lakh
Fund age13.9 yrs
Fund information
Scheme code119550
ISININF209K01YN0
BenchmarkNifty Banking & PSU Debt Index A-II
CategoryDebt Scheme - Banking and PSU Fund
Expense ratio0.41%
Exit loadNil
Minimum SIP₹1,000 SIP
Return comparison
49th / 143 in category| Period | Fund | Benchmark | Category avg |
|---|---|---|---|
| 1M | +5.42% | — | — |
| 3M | +0.01% | — | — |
| 6M | +5.21% | — | — |
| 1Y | +3.78% | — | +1.68% |
| 3Y | +6.82% | — | +3.16% |
| 5Y | +6.20% | — | +2.94% |
| 10Y | +6.98% | — | — |
| Since Launch | +8.11% | — | — |
Risk-adjusted performance
Every measure is expanded with a plain-language reading of the latest calculated value.
Sortino ratio
1.80Return earned while limiting downside risk.
Good
Good downside protection with strong returns.
Standard deviation
1.35%How much the fund’s returns fluctuate over time.
Low volatility
Returns have been relatively stable.
Beta
—How closely the fund moves with the market.
Unavailable
This measure needs sufficient fund and benchmark history to calculate.
Alpha
—Extra return generated above the benchmark.
Unavailable
This measure needs sufficient fund and benchmark history to calculate.
Treynor ratio
—Return earned for each unit of market risk taken.
Unavailable
This measure needs sufficient fund and benchmark history to calculate.
Calmar ratio
2.67How well the fund rewarded investors relative to its biggest decline.
Excellent
Excellent balance between returns and drawdowns.
Information ratio
—How consistently the fund outperformed its benchmark.
Unavailable
This measure needs sufficient fund and benchmark history to calculate.
Portfolio allocation
Latest disclosed portfolio mix
Asset allocation
Portfolio100%
Debt96.78%
Cash3.22%
Market cap allocation
Market-cap classifications were not present in the latest portfolio disclosure.
Sector allocation
Equity exposure by sector
Top holdings
10 of 207 disclosed positions
| Holding | Sector | Instrument type | Weight |
|---|---|---|---|
| NATIONAL BANK FOR AGRICULTURE AND RURAL DEVELOPMENT SR 25G 7.48 BD 15SP28 FVRS1LAC | Financial | Bonds | 4.8207% |
| Net Receivables | Unspecified | Net Receivables | 2.4413% |
| INDIAN RAILWAY FINANCE CORPORATION LIMITED SR 191B 6.58 BD 30MY30 FVRS1LAC | Financial | Bonds | 2.1987% |
| REC LIMITED SR 236-B 7.56 BD 31AG27 FVRS1LAC | Financial | Debenture | 2.1275% |
| HDFC BANK LIMITED SR AA009 8 NCD 27JL32 FVRS10LAC | Financial | Debenture | 2.0598% |
| BAJAJ FINANCE LIMITED 7.82% NCD 31JN34 FVRS1LAC | Financial | Debenture | 1.843% |
| STATE BANK OF INDIA SR I 7.42 BD 29AG39 FVRS1CR | Financial | Debenture | 1.7992% |
| INDIAN RAILWAY FINANCE CORPORATION LIMITED SR 189 6.78 BD 30AP30 FVRS1LAC | Financial | Bonds | 1.7985% |
| POWER FINANCE CORPORATION LIMITED SR 237A 7.60 BD 13AP29 FVRS1LAC | Financial | Non Convertible Debenture | 1.6937% |
| 7.66% National Bank for Financing Infrastructure and Dev (16/06/2036) | Financial | Non Convertible Debenture | 1.6848% |
Fund management
KA
Kaustubh Gupta
Since 2012 · Prior to joining Aditya Birla Sun Life AMC he has worked with ICICI Bank.
Mr. Gupta is a B.Com and a Chartered Accountant.
HA
Harshil Suvarnkar
Since 2021 · Prior to Joining Aditya Birla Sun Life MF, he has worked with Indiabulls Housing Finance Limited,
Mr. Suvarnkar has doneB.Com, Masters in Management Studies (Finance) and Post Graduate Diploma in Securities Law.
Compare similar funds
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Summary
A moderate-risk debt scheme - banking and psu fund. Recovered from its worst fall in 1 months. Financial makes up 75% — trouble in that sector hits the whole fund.
Strengths
- Recovered from its worst fall in 1 months.
- Well spread out — top 10 holdings are only 22% of the portfolio.
- Same fund manager for 14+ years — the strategy has not chopped and changed.
Weaknesses
- None
Ideal investor
- Needs a 1–3 years depending on duration horizon to ride out its moderate risk level.
Risk drivers
- Financial makes up 75% — trouble in that sector hits the whole fund.