An open ended debt scheme predominantly investing in debt instruments of banks, Public Sector Undertakings, Public Financial Institutions and Municipal Bonds. A relatively high interest rate risk and moderate credit risk.
June 2026
| Debt Scheme |  |
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| Investment Objective | |
| To generate reasonable returns by primarily investing in debt and money market securities that are issued by Banks, Investment Objective Public Sector Undertakings (PSUs) and Public Financial Institutions (PFIs) in India. The Scheme does not guarantee/indicate any returns. There is no assurance that the objective of the Scheme will be achieved. | |
| Fund Category: Banking and PSU Fund | |
| Scheme Rating: [ICRA]AAAmfs | |
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| Fund Snapshot | |
| Date of Allotment : Apr 19, 2002 | |
| Benchmark: Nifty Banking & PSU Debt Index A-II | |
| Fund Manager - Mr. Kaustubh Gupta Managing the Fund Since: September 29, 2009 Experience in Managing the Fund: 16.8 Years |
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| Fund Manager - Mr. Harshil Suvarnkar Managing the Fund Since: March 22, 2021 Experience in Managing the Fund: 5.3 Years |
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| SIP: Monthly: Minimum ₹ 1000/- |
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| Application Amount for fresh subscription: ₹ 1,000 (plus in multiplies of ₹ 1) |
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| Minimum Additional Investment: ₹ 1,000 (plus in multiplies of ₹ 1) |
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| Load Structure (as % of NAV) (Incl. for SIP) | |
| Entry Load: | NIL |
| Exit Load: | NIL |
| AUM as on June 30, 2026 (in ₹Crore) | |
| Month End AUM | 8,963.04 |
| Monthly Average AUM | 8,893.81 |
| Base Expense Ratio (BER) | |
| Regular | 0.62% |
| Direct | 0.33% |
| BER excludes brokerage incurred towards execution of trades, transaction cost & statutory levies as applicable to investors. | |
| NAV as on June 30, 2026 | |
| Regular Growth | 386.67 |
| Regular IDCW$ | 149.26 |
| Regular IDCW$ | 112.68 |
| Regular IDCW$ | 102.27 |
| Retail Growth | 576.69 |
| Retail IDCW$ | 114.21 |
| Retail IDCW$ | 102.80 |
| Direct Growth | 402.67 |
| Direct IDCW$ | 106.62 |
| Direct IDCW$ | 117.38 |
| Direct IDCW$ | 104.66 |
$Income Distribution cum capital withdrawal Note: Standard Deviation, Sharpe Ratio & Beta are calculated on Annualised basis
using 3 years history of monthly returns. |
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| Sectoral Contribution(in %) |
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| Rating Profile of Portfolio |
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| Instrument Profile | |
| Instrument Name | % Net Assets |
| Bonds & Debentures | 70.17% |
| Sovereign | 13.32% |
| Certificate of Deposit | 13.18% |
| Others | 2.52% |
| Cash & cash equivalent | 0.80% |
| Debt Quants | |
| Modified Duration | 3.05 years |
| Average Maturity | 4.41 years |
| Yield to Maturity | 7.22% |
| Macaulay Duration | 3.23 years |
| Standard Deviation | 1.55% |
| Sector/Issuer Name | Rating |
to Net Assets |
| Debt & Debt Related | ||
| Fixed rates bonds - Corporate | 67.34% | |
| ● National Bank For Agriculture and Rural Development | CRISIL AAA | 4.82% |
| ● Indian Railway Finance Corporation Limited | ICRA AAA | 2.20% |
| ● REC Limited | ICRA AAA | 2.13% |
| ● HDFC Bank Limited | ICRA AAA | 2.06% |
| ● Bajaj Finance Limited | CRISIL AAA | 1.84% |
| ● State Bank of India | ICRA AAA | 1.80% |
| ● Indian Railway Finance Corporation Limited | ICRA AAA | 1.80% |
| ● Power Finance Corporation Limited | ICRA AAA | 1.69% |
| ● National Bank for Financing Infrastructure and Dev | ICRA AAA | 1.68% |
| Power Finance Corporation Limited | ICRA AAA | 1.40% |
| Small Industries Development Bank of India | CRISIL AAA | 1.40% |
| Small Industries Development Bank of India | CRISIL AAA | 1.38% |
| National Bank for Financing Infrastructure and Dev | ICRA AAA | 1.38% |
| REC Limited | ICRA AAA | 1.35% |
| Bharti Telecom Limited | CRISIL AAA | 1.27% |
| Indian Oil Corporation Limited | CRISIL AAA | 1.19% |
| National Bank For Agriculture and Rural Development | ICRA AAA | 1.13% |
| Indian Renewable Energy Development Agency Ltd | ICRA AAA | 1.12% |
| Power Finance Corporation Limited | ICRA AAA | 1.12% |
| Bajaj Finance Limited | CRISIL AAA | 1.12% |
| National Bank For Agriculture and Rural Development | ICRA AAA | 1.11% |
| REC Limited | ICRA AAA | 1.11% |
| Indian Railway Finance Corporation Limited | ICRA AAA | 1.10% |
| Small Industries Development Bank of India | CRISIL AAA | 1.10% |
| Export Import Bank of India | ICRA AAA | 0.90% |
| Indian Railway Finance Corporation Limited | ICRA AAA | 0.85% |
| REC Limited | CRISIL AAA | 0.85% |
| Bharti Telecom Limited | CRISIL AAA | 0.71% |
| National Housing Bank | CARE AAA | 0.69% |
| National Bank For Agriculture and Rural Development | ICRA AAA | 0.67% |
| REC Limited | ICRA AAA | 0.67% |
| Indian Railway Finance Corporation Limited | CRISIL AAA | 0.63% |
| National Bank For Agriculture and Rural Development | ICRA AAA | 0.62% |
| REC Limited | CRISIL AAA | 0.58% |
| National Highways Authority of India | CRISIL AAA | 0.57% |
| Indian Railway Finance Corporation Limited | CRISIL AAA | 0.57% |
| Small Industries Development Bank of India | CRISIL AAA | 0.56% |
| NTPC Limited | CRISIL AAA | 0.56% |
| Tata Capital Housing Finance Limited | ICRA AAA | 0.56% |
| L&T Finance Ltd | CRISIL AAA | 0.56% |
| Tata Capital Limited | ICRA AAA | 0.56% |
| Small Industries Development Bank of India | CRISIL AAA | 0.56% |
| Poonawalla Fincorp Limited | CRISIL AAA | 0.56% |
| Poonawalla Fincorp Limited | CRISIL AAA | 0.56% |
| National Bank For Agriculture and Rural Development | ICRA AAA | 0.56% |
| Tata Capital Housing Finance Limited | ICRA AAA | 0.56% |
| REC Limited | ICRA AAA | 0.55% |
| Kotak Mahindra Investments Limited | ICRA AAA | 0.55% |
| Small Industries Development Bank of India | CRISIL AAA | 0.55% |
| Indian Railway Finance Corporation Limited | ICRA AAA | 0.55% |
| Bank of Baroda | CRISIL AAA | 0.55% |
| Rajgarh Transmission Ltd | IND AAA | 0.55% |
| National Bank for Financing Infrastructure and Dev | ICRA AAA | 0.54% |
| LIC Housing Finance Limited | CRISIL AAA | 0.51% |
| National Bank For Agriculture and Rural Development | ICRA AAA | 0.50% |
| Bharti Telecom Limited | CRISIL AAA | 0.44% |
| Bajaj Housing Finance Limited | CRISIL AAA | 0.42% |
| HDFC Bank Limited | ICRA AAA | 0.39% |
| ICICI Home Finance Company Limited | ICRA AAA | 0.39% |
| HDFC Bank Limited | CRISIL AAA | 0.34% |
| REC Limited | ICRA AAA | 0.34% |
| Tata Capital Limited | ICRA AAA | 0.33% |
| Knowledge Realty Trust | CRISIL AAA | 0.32% |
| Small Industries Development Bank of India | CRISIL AAA | 0.28% |
| Indian Railway Finance Corporation Limited | ICRA AAA | 0.28% |
| Power Finance Corporation Limited | ICRA AAA | 0.28% |
| REC Limited | ICRA AAA | 0.28% |
| Small Industries Development Bank of India | CRISIL AAA | 0.28% |
| REC Limited | ICRA AAA | 0.28% |
| Export Import Bank of India | ICRA AAA | 0.28% |
| Small Industries Development Bank of India | CRISIL AAA | 0.28% |
| Export Import Bank of India | ICRA AAA | 0.28% |
| SMFG India Home Finance Company Limited | CARE AAA | 0.28% |
| Power Finance Corporation Limited | ICRA AAA | 0.28% |
| REC Limited | ICRA AAA | 0.28% |
| National Bank For Agriculture and Rural Development | ICRA AAA | 0.28% |
| Indian Railway Finance Corporation Limited | ICRA AAA | 0.28% |
| National Bank For Agriculture and Rural Development | ICRA AAA | 0.28% |
| HDB Financial Services Limited | CRISIL AAA | 0.27% |
| National Bank for Financing Infrastructure and Dev | ICRA AAA | 0.27% |
| REC Limited | ICRA AAA | 0.26% |
| Housing & Urban Development Corporation Limited | ICRA AAA | 0.23% |
| Indian Railway Finance Corporation Limited | ICRA AAA | 0.23% |
| REC Limited | CRISIL AAA | 0.23% |
| Power Finance Corporation Limited | ICRA AAA | 0.22% |
| Pipeline Infrastructure Limited | CRISIL AAA | 0.18% |
| LIC Housing Finance Limited | CRISIL AAA | 0.17% |
| Mahindra & Mahindra Financial Services Limited | CARE AAA | 0.16% |
| Indian Railway Finance Corporation Limited | CRISIL AAA | 0.12% |
| National Bank For Agriculture and Rural Development | CRISIL AAA | 0.12% |
| Indian Railway Finance Corporation Limited | ICRA AAA | 0.11% |
| Power Grid Corporation of India Limited | CRISIL AAA | 0.09% |
| National Bank For Agriculture and Rural Development | CRISIL AAA | 0.06% |
| Power Grid Corporation of India Limited | ICRA AAA | 0.06% |
| LIC Housing Finance Limited | CRISIL AAA | 0.06% |
| HDFC Bank Limited | CRISIL AAA | 0.06% |
| Bajaj Housing Finance Limited | CRISIL AAA | 0.06% |
| Power Grid Corporation of India Limited | ICRA AAA | 0.06% |
| Small Industries Development Bank of India | CRISIL AAA | 0.06% |
| Small Industries Development Bank of India | CRISIL AAA | 0.02% |
| National Bank For Agriculture and Rural Development | ICRA AAA | 0.01% |
| National Highways Authority of India | CRISIL AAA | 0.01% |
| Money Market Instruments | 12.86% | |
| Small Industries Development Bank of India | CRISIL A1+ | 1.12% |
| Indian Bank | CRISIL A1+ | 1.07% |
| HDFC Bank Limited | ICRA A1+ | 1.06% |
| Export Import Bank of India | ICRA A1+ | 0.80% |
| HDFC Bank Limited | ICRA A1+ | 0.80% |
| ICICI Bank Limited | ICRA A1+ | 0.54% |
| Canara Bank | ICRA A1+ | 0.54% |
| Sector/Issuer Name | Rating |
% to Net Assets |
| Indian Bank | CRISIL A1+ | 0.54% |
| Indian Bank | CRISIL A1+ | 0.54% |
| Small Industries Development Bank of India | CRISIL A1+ | 0.54% |
| Kotak Mahindra Bank Limited | CRISIL A1+ | 0.54% |
| Punjab National Bank | ICRA A1+ | 0.53% |
| ICICI Bank Limited | ICRA A1+ | 0.53% |
| National Bank for Financing Infrastructure and Dev | IND A1+ | 0.53% |
| ICICI Bank Limited | ICRA A1+ | 0.53% |
| Small Industries Development Bank of India | CRISIL A1+ | 0.52% |
| Small Industries Development Bank of India | CRISIL A1+ | 0.27% |
| Small Industries Development Bank of India | CRISIL A1+ | 0.27% |
| HDFC Bank Limited | ICRA A1+ | 0.27% |
| Kotak Mahindra Bank Limited | CRISIL A1+ | 0.27% |
| Punjab National Bank | ICRA A1+ | 0.27% |
| Canara Bank | ICRA A1+ | 0.27% |
| Union Bank of India | ICRA A1+ | 0.27% |
| Union Bank of India | ICRA A1+ | 0.27% |
| State Government bond | 6.50% | |
| 7.38 % KARNATAKA 04SEP2034 SDL | SOV | 1.06% |
| 7.61% GUJARAT INDIA 24JUN2039 SDL | SOV | 0.85% |
| 7.24 % TAMIL NADU 25MAR2031 SDL | SOV | 0.84% |
| 7.49% BIHAR 14FEB2039 SDL | SOV | 0.61% |
| 7.55% KARNATAKA 11AUG2035 SDL | SOV | 0.56% |
| 7.28% TELANGANA 12JAN2035 SDL | SOV | 0.44% |
| 7.33% MAHARA 04MAR2034 SDL | SOV | 0.33% |
| 7.73% MAHARASHTRA 29MAR2032 SDL | SOV | 0.29% |
| 7.72% RAJASTHAN 08NOV2033 SDL | SOV | 0.28% |
| 7.63% ASSAM 03SEP35 SDL | SOV | 0.28% |
| 7.42 % HARYANA 25MAR2032 SDL | SOV | 0.28% |
| 7.67% HARYANA 27DEC2035 SDL | SOV | 0.23% |
| 6.77% MAHARASHTRA 30APR2037 SDL | SOV | 0.16% |
| 7.20 % MAHARASHTRA 03DEC2034 SDL | SOV | 0.09% |
| 8.53% TAMIL NADU 28NOV2028 SDL | SOV | 0.05% |
| 8.09% MADHYA PRADESH 30MAR2050 SDL | SOV | 0.02% |
| 7.76% UTTARAKHAND 29MAR2033 SDL | SOV | 0.02% |
| 7.51% UTTAR PRADESH 27MAR2040 SDL | SOV | 0.02% |
| 7.49% UTTAR PRADESH 27MAR2036 SDL | SOV | 0.02% |
| 7.46% MADHYA PRADESH 14SEP2032 SDL | SOV | 0.02% |
| 6.63% GUJARAT 16SEP2029 SDL | SOV | 0.01% |
| 7.60% MAHARASHTRA 15APR2030 SDL | SOV | 0.01% |
| 6.47% MAHARASHTRA 21OCT2028 SDL | SOV | 0.01% |
| 7.66% UTTAR PRADESH 24AUG2032 SDL | SOV | 0.01% |
| Government Bond | 3.48% | |
| 6.68% GOI 07Jul2040 | SOV | 1.26% |
| GOI 07.71% 18MAY2066 | SOV | 1.14% |
| 7.46% GOVERNMENT OF INDIA 06NOV73 G-SEC | SOV | 0.33% |
| 7.24 GOI 18 Aug 2055 | SOV | 0.23% |
| 7.23% INDIA GOVERNMENT BOND 15APR2039 | SOV | 0.17% |
| 7.34% INDIA GOVERNMENT BOND 22APR2064 | SOV | 0.11% |
| 7.54% GOVERNMENT OF INDIA 23MAY2036 GSEC | SOV | 0.09% |
| 6.90% GOI 15-Apr-2065 | SOV | 0.06% |
| 6.48% GOI 06Oct2035 | SOV | 0.04% |
| 7.59% GOI (MD 20/03/2029) | SOV | 0.02% |
| 7.09% GOVERNMENT OF INDIA 25NOV74 G-SEC | SOV | 0.01% |
| 6.94% GOVERNMENT OF INDIA 11MAY36 G-SEC | SOV | 0.01% |
| 7.37% GOI 23OCT2028 | SOV | 0.01% |
| Cash Management Bills | 3.02% | |
| Government of India | SOV | 0.31% |
| Government of India | SOV | 0.31% |
| Government of India | SOV | 0.25% |
| Government of India | SOV | 0.22% |
| Government of India | SOV | 0.16% |
| Government of India | SOV | 0.15% |
| Government of India | SOV | 0.15% |
| Government of India | SOV | 0.14% |
| Government of India | SOV | 0.12% |
| Government of India | SOV | 0.11% |
| Government of India | SOV | 0.11% |
| Government of India | SOV | 0.11% |
| Government of India | SOV | 0.11% |
| Government of India | SOV | 0.11% |
| Government of India | SOV | 0.10% |
| Government of India | SOV | 0.10% |
| Government of India | SOV | 0.09% |
| Government of India | SOV | 0.07% |
| Government of India | SOV | 0.07% |
| Government of India | SOV | 0.05% |
| Government of India | SOV | 0.05% |
| Government of India | SOV | 0.05% |
| Government of India | SOV | 0.04% |
| Government of India | SOV | 0.04% |
| Government of India | SOV | 0.01% |
| Government of India | SOV | 0.01% |
| SECURITISED DEBT | 2.13% | |
| ● Shivshakti Securitisation Trust 2025-1 | CRISIL AAA(SO) | 1.59% |
| India Universal Trust AL1 | IND AAA(SO) | 0.21% |
| Siddhivinayak Securitisation Trust 2025-1 | CRISIL AAA(SO) | 0.12% |
| India Universal Trust Al2 | IND AAA(SO) | 0.08% |
| India Universal Trust AL1 | IND AAA(SO) | 0.07% |
| India Universal Trust Al2 | IND AAA(SO) | 0.06% |
| India Universal Trust Al2 | IND AAA(SO) | 0.01% |
| Floating rates notes - Corporate | 1.12% | |
| Small Industries Development Bank of India | CARE AAA | 0.56% |
| Tata Capital Limited | ICRA AAA | 0.56% |
| Alternative Investment Funds (AIF) | 0.32% | |
| Corporate Debt Market Development Fund | 0.32% | |
| Interest Rate Swaps | 0.01% | |
| ICICI Bank Limited | 0.55% | |
| DBS Bank Ltd/India | 0.28% | |
| BARCLAYS BANK PLC | 0.28% | |
| Standard Chartered Bank | 0.28% | |
| ICICI Bank Limited | 0.28% | |
| Clearing Corporation of India Limited | 0.06% | |
| Clearing Corporation of India Limited | -0.06% | |
| ICICI Bank Limited | -0.28% | |
| Standard Chartered Bank | -0.28% | |
| BARCLAYS BANK PLC | -0.28% | |
| DBS Bank Ltd/India | -0.28% | |
| ICICI Bank Limited | -0.56% | |
| Net Cash and Cash Equivalent | 3.21% | |
| Grand Total | 100.00% |
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| Product Label | |
| Scheme Name | |
| Aditya Birla Sun Life Banking & PSU Debt Fund An open ended debt scheme predominantly investing in debt instruments of banks, Public Sector Undertakings, Public Financial Institutions and Municipal Bonds. A relatively high interest rate risk and moderate credit risk. |
|
| This product is suitable for investors who are seeking*: | |
|
|
Risk-o-meter  |
Benchmark Risk-o-meter Nifty Banking & PSU Debt Index A-II  |
| *Investors should consult their financial advisors if in doubt whether the product is suitable for them. | |