Aditya Birla Sun Life Banking & PSU Debt Fund
NAV
₹404.26
as of 6 Oct 2026
Aditya Birla Sun Life Banking & PSU Debt Fund is an open-ended Banking and PSU Fund scheme from Aditya Birla Sun Life Mutual Fund managing ₹8,780 crore (as of 31 Aug 2026). Its Direct-plan NAV is ₹404.26 as of 6 Oct 2026. The expense ratio is 0.41% a year. Managed by Kaustubh Gupta. This page is factual data only – it carries no rating and no recommendation.
Key facts
- Expense ratio
- 0.41% / yr
- as of 31 Aug 2026
- Fund size
- ₹8,780 crore
- as of 31 Aug 2026
- Exit load
- None
- SIP available
- Yes
- Launched
- 9 May 2008
- ISIN
- INF209K01YN0
₹100 invested, fund vs category
The category line is the average of the funds in this category, built from nyvo’s own NAV data.
Rebased to 100data to 5 Oct 2026Benchmark: NIFTY COMPOSITE G-SEC INDEX
Aditya Birla Sun Life Banking & PSU Debt Fund
₹135
+35% on ₹100 over 5.0 yrs
Banking and PSU Fund average
₹135
+35% on ₹100 over 5.0 yrs
Returns vs category
| Window | Fund | Category avg | Gap |
|---|---|---|---|
| 3 months | 0.22% | 0.39% | -0.17 |
| 6 months | 2.53% | 3.36% | -0.83 |
| 1 year | 4.39% | 4.70% | -0.31 |
| 3 years (CAGR) | 7.04% | 7.01% | +0.03 |
| 5 years (CAGR) | 6.22% | 6.23% | -0.01 |
Category average across 19 funds, as of 5 Oct 2026. Short windows are noise; the 3 and 5-year rows are the record. Past returns do not predict future returns.
A single return number depends on its start date. These are ALL the overlapping holding periods, so the worst case is visible – read that number first.
1-year holding periods
- Worst
- 3.1%
- Median
- 7.2%
- Best
- 10.1%
49 windows over the last 60 months, stepped monthly; 100% ended positive. Worst window began 1 Oct 2021. Windows overlap – this is the range of past start dates, not a probability of anything.
3-year holding periods (per year)
- Worst
- 6.2%
- Median
- 7.3%
- Best
- 8.1%
25 windows over the last 60 months, stepped monthly; 100% ended positive. Worst window began 1 Oct 2021. Windows overlap – this is the range of past start dates, not a probability of anything.
Risk, measured
- Sharpe ratio (3Y)
- 0.42
- Sharpe ratio (5Y)
- 0.20
- Sortino ratio (3Y)
- 0.74 vs category 0.45
- Standard deviation (3Y)
- 1.60%
- Deepest fall (5Y)
- -0.37%
Where the money actually is
Bonds
75.3%
Cash
24.6%
Whole-portfolio split, as of 31 Aug 2026.
What it owns
202 positions · top 10 = 22.1%
Top holdings
- National Bank For Agriculture And Rural Developmentmatures 15 Sep 20285.23%
- Treps3.40%
- Net Receivable / Payable2.79%
- Indian Railway Finance Corporation Limitedmatures 30 May 20302.24%
- Rec Limitedmatures 31 Aug 20272.19%
- HDFC Bank Limitedmatures 27 Jul 20322.09%
- Rec Limitedmatures 1 Jul 20311.97%
- Indian Railway Finance Corporation Limitedmatures 30 Apr 20301.83%
- State Bank Of Indiamatures 29 Aug 20391.82%
- Power Finance Corporation Limitedmatures 13 Apr 20291.72%
Holdings as of 31 Aug 2026. Portfolio turnover 200.5% vs category 180.0% a year.
Exposure figures are gross: funds that use derivatives (arbitrage, hedged books) hold offsetting positions, so concentration and turnover can read above 100%.
The debt it holds
- Yield to maturity
- 7.28% vs category 7.05%
- Modified duration
- 2.92 yrs vs category 2.50 yrs
- Average maturity
- 4.22 yrs vs category 3.65 yrs
- Average coupon
- 7.37%
- Government securities
- 32.2%
Credit quality
- AAA
- 100.0%
Government securities are counted inside AAA by the data provider’s ladder; the sovereign share is listed separately above. Credit quality as of 31 Jul 2026.
Portfolio characteristics as of 31 Aug 2026. Yield to maturity is what the portfolio would return if every holding were held to maturity and paid in full. It is not a forecast of the fund’s return, and it is quoted before expenses.
Money in, money out
- Net flow, 12 months
- −₹792 cr
- Net flow, 3 months
- −₹220 cr
as of 31 Aug 2026. Flows follow performance more than they predict it.
Quick answers
- What is the NAV of Aditya Birla Sun Life Banking & PSU Debt Fund?
- ₹404.26 per unit as of 6 Oct 2026 (Direct plan, growth). NAV is declared daily on working days.
- What is the expense ratio of Aditya Birla Sun Life Banking & PSU Debt Fund?
- 0.41% a year for the Direct plan, as of 31 Aug 2026.
- How large is Aditya Birla Sun Life Banking & PSU Debt Fund?
- ₹8,780 crore under management as of 31 Aug 2026, in the Banking and PSU Fund category.
- How risky is Aditya Birla Sun Life Banking & PSU Debt Fund?
- Its SEBI Riskometer reading is "Moderate Risk". Lending to companies and banks for extra yield over government paper.
- What are the 5-year returns of Aditya Birla Sun Life Banking & PSU Debt Fund?
- 6.22% a year over the last 5 years (Direct plan, CAGR), against a Banking and PSU Fund average of 6.23%. Past returns do not predict future returns.
- What is the worst 3-year return of Aditya Birla Sun Life Banking & PSU Debt Fund?
- 6.2% a year – the weakest of 25 overlapping 3-year holding periods, beginning 1 Oct 2021. The median was 7.3% and 100% of those windows ended positive. Windows overlap, so this is the range of past start dates, not a probability.
- Who manages Aditya Birla Sun Life Banking & PSU Debt Fund?
- Kaustubh Gupta, managing this fund for 16.9 years.
Where this fund sits
Its shelf, all funds
Cb · Corporate & credit →
Lending to companies and banks for extra yield over government paper.
The money map
How big this shelf is in India →
The whole industry sized by real money, from AMFI’s monthly data.
Side by side
Compare this fund →
Put it next to any other fund – growth, returns, risk and cost in one table.
One bet or two?
Check its overlap →
See whether it owns the same stocks as your other funds.
Other Banking and PSU Fund funds
- Bandhan Banking and PSU Debt Fund₹12,122 crore
- Axis Banking and PSU Debt Fund₹12,004 crore
- ICICI Prudential Banking and PSU Debt Fund₹8,667 crore
- HDFC Banking and PSU Debt Fund₹5,186 crore
- Nippon India Banking and PSU Debt Fund₹5,180 crore
- Kotak Banking and PSU Debt Fund₹4,999 crore
- SBI BANKING & PSU DEBT FUND₹3,870 crore
- HSBC Banking and PSU Debt Fund₹3,799 crore
Data: nyvo research systems; each block above states its own as-of date, and blocks with no data for this fund are omitted rather than estimated. NAV updates daily on working days. The benchmark (NIFTY COMPOSITE G-SEC INDEX) is named for reference only; its values are licensed and never shown. This page is factual information about one scheme. It is not investment advice, not a recommendation, and it carries no rating of any kind. Past performance does not predict future returns. Mutual fund investments are subject to market risks; read all scheme related documents carefully.