Sharpe ratio
0.51Return earned for the risk taken.
Moderate
Moderate risk-adjusted returns. The reward for risk has been average.
+4.05%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 |
|---|---|---|---|---|
| Bajaj Finserv Banking and PSU Fund-Direct Plan- GrowthFund 1Y annualised return · 5Y history unavailable | ₹8,07,055 | ₹7,32,612 | ₹74,443 | +4.05% |
| 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₹1.07
₹1 Lakh since launch₹1.07 Lakh
Fund age3.0 yrs
Fund information
Scheme code152162
ISININF0QA701607
BenchmarkNifty Banking & PSU Debt Index A-II
CategoryDebt Scheme - Banking and PSU Fund
Expense ratio0.35%
Exit loadNil
Minimum SIP₹1,000 SIP
Return comparison
38th / 143 in category| Period | Fund | Benchmark | Category avg |
|---|---|---|---|
| 1M | +5.17% | — | — |
| 3M | +1.53% | — | — |
| 6M | +6.11% | — | — |
| 1Y | +4.05% | — | +1.68% |
| Since Launch | +7.06% | — | — |
Risk-adjusted performance
Every measure is expanded with a plain-language reading of the latest calculated value.
Sortino ratio
0.96Return earned while limiting downside risk.
Moderate
Moderate downside risk-adjusted performance.
Standard deviation
1.34%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
9.28How 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
Portfolio104%
Debt104.45%
Market cap allocation
Market-cap classifications were not present in the latest portfolio disclosure.
Sector allocation
Equity exposure by sector
Top holdings
10 of 26 disclosed positions
| Holding | Sector | Instrument type | Weight |
|---|---|---|---|
| Others CBLO | Unspecified | CBLO | 8.0% |
| RURAL ELECTRIFICATION CORPORATION LIMITED SERIES GOI-V 8.54 BD 15NV28 FVRS10LAC | Financial | Debenture | 7.02% |
| NATIONAL HIGHWAYS AUTHORITY OF INDIA SR V 7.70 BD 13SP29 FVRS10LAC | Industrials | Non Convertible Debenture | 6.93% |
| STATE DEVELOPMENT LOAN 31864 GUJ 03AG32 7.61 FV RS 100 | Industrials | State Development Loan | 6.93% |
| FOOD CORPORATION OF INDIA SR VII A 7.60 LOA 09JN30 FVRS10LAC | Consumer Staples | Non Convertible Debenture | 6.87% |
| NATIONAL BANK FOR AGRICULTURE AND RURAL DEVELOPMENT SR 26F 7.44 BD 17JL29 FVRS1LAC | Financial | Bonds | 6.82% |
| L&T FINANCE LIMITED SR B 8.12 NCD 29JU29 FVRS1LAC | Financial | Debenture | 6.82% |
| POWER FINANCE CORPORATION LIMITED SR 246A 7.42 BD 15AP28 FVRS1LAC | Financial | Bonds | 6.81% |
| 7.23% Housing & Urban Development Corporation Limited (18/07/2029) | Financial | Debenture | 6.78% |
| KOTAK MAHINDRA PRIME LIMITED 7.2990 NCD 22SP28 FVRS1LAC | Financial | Debenture | 6.74% |
Fund management
NI
Nimesh Chandan
Since 2023 · He has good years of experience in capital markets. Prior to joining Bajaj Finserv Mutual Fund, he had been with Canara Robeco MF, ICICI Prudential MF, SBI MF and Aditya Birla Sun Life AMC as fund manager and has also worked with Stratcap Securities and Darashaw and Company.
Mr. Chandan is an MBA in Finance.
SI
Siddharth Chaudhary
Since 2023 · Prior to joining Bajaj Finserv Mutual Fund, he has worked with Sundaram Mutual Fund and Indian Bank.
Mr. Chaudhary is a B.Com (H) and PGDM (Securities Markets).
Compare similar funds
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Summary
A moderate-risk debt scheme - banking and psu fund. Losses and swings stayed contained — worst fall -0.8%, volatility 1.3%. Top 10 holdings make up 70% — a handful of stocks can swing returns sharply.
Strengths
- Losses and swings stayed contained — worst fall -0.8%, volatility 1.3%.
- Recovered from its worst fall in 1 months.
Weaknesses
- Top 10 holdings make up 70% — a handful of stocks can swing returns sharply.
Ideal investor
- Needs a 1–3 years depending on duration horizon to ride out its moderate risk level.
Risk drivers
- Top 10 holdings = 70% of the portfolio.
- Financial makes up 69% — trouble in that sector hits the whole fund.