Previously Known As : Aditya Birla Sun Life Treasury Optimizer Plan
Aditya Birla Sun Life Banking & Psu Debt Fund Datagrid
Category Banking and PSU Fund
BMSMONEY Rank 13
Rating
Growth Option 11-09-2026
NAV ₹388.06(R) -0.12% ₹404.39(D) -0.12%
Returns 1Y 3Y 5Y 7Y 10Y
Lumpsum Regular 4.78% 6.75% 5.88% 6.46% 6.82%
Direct 5.13% 7.11% 6.24% 6.82% 7.18%
Benchmark
SIP (XIRR) Regular 4.55% 4.3% 5.74% 5.92% 6.22%
Direct 4.9% 4.66% 6.11% 6.28% 6.58%
Ratio Sharpe Ratio Sortino Ratio Sterling Ratio Jensen's Alpha Treynor Ratio
0.75 0.39 0.68 -0.63% 0.01
Risk STD. Dev VaR 1Y95% Max DD Beta Semi Devi.
1.55% -0.55% -0.35% 0.96 1.04%
Fund AUM As on: 30/12/2025 9162 Cr
Top Banking and PSU Fund
Fund Name Rank Rating
Franklin India Banking & Psu Debt Fund 1
ICICI Prudential Banking & PSU Debt Fund 2
UTI Banking & PSU Fund 3
Kotak Banking And Psu Debt Fund 4

NAV Date: 11-09-2026

Scheme Name NAV Rupee Change Percent Change
Aditya Birla Sun Life Banking & PSU Debt Fund - REGULAR - Quarterly IDCW 102.63
-0.1200
-0.1200%
Aditya Birla Sun Life Banking & PSU Debt Fund - Direct - Quarterly IDCW 105.11
-0.1300
-0.1200%
Aditya Birla Sun Life Banking & PSU Debt Fund - DIRECT - IDCW 107.08
-0.1300
-0.1200%
Aditya Birla Sun Life Banking & PSU Debt Fund - REGULAR - MONTHLY IDCW 112.2
-0.1400
-0.1200%
Aditya Birla Sun Life Banking & PSU Debt Fund - DIRECT - MONTHLY IDCW 116.97
-0.1400
-0.1200%
Aditya Birla Sun Life Banking & PSU Debt Fund - REGULAR - IDCW 149.8
-0.1800
-0.1200%
Aditya Birla Sun Life Banking & PSU Debt Fund - Regular Plan-Growth 388.06
-0.4700
-0.1200%
Aditya Birla Sun Life Banking & PSU Debt Fund- Direct Plan-Growth 404.39
-0.4800
-0.1200%

Review Date: 11-09-2026

Beginning of Analysis

In the Banking and PSU Debt Fund category, Aditya Birla Sun Life Banking & Psu Debt Fund is the 9th ranked fund. The category has total 20 funds. The Aditya Birla Sun Life Banking & Psu Debt Fund has shown a very good past performence in Banking and PSU Debt Fund. The fund has a Jensen Alpha of -0.63% which is lower than the category average of -0.45%, reflecting poor performance. The fund has a Sharpe Ratio of 0.75 which is lower than the category average of 0.81.
The past performance of the fund may or may not be sustained in the future. The review is not investment advice nor is it a recommendation to buy or sell funds. The ranking is based on proprietary methodology developed by bmsmoney. The methodology is based on the past performance of the funds and does not guarantee future performance.
Banking and PSU Debt Mutual Funds are a category of debt mutual funds that invest primarily in debt instruments issued by banks, public sector undertakings (PSUs), and public financial institutions. These funds must allocate a minimum of 80% of their total assets in debt securities issued by these entities. Banking and PSU Debt Mutual Funds are ideal for conservative investors seeking stable returns with relatively lower risk. However, they may not be suitable for those looking for higher returns or willing to take on more risk. Investors should also consider their investment horizon and tax implications before investing in these funds.

Aditya Birla Sun Life Banking & Psu Debt Fund Return Analysis

  • The fund has given a return of -0.09%, 1.43 and 2.54 in last one, three and six months respectively. In the same period the category average return was 0.01%, 1.54% and 2.74% respectively.
  • Aditya Birla Sun Life Banking & Psu Debt Fund has given a return of 5.13% in last one year. In the same period the Banking and PSU Debt Fund category average return was 5.41%.
  • The fund has given a return of 7.11% in last three years and ranked 13.0th out of nineteen funds in the category. In the same period the Banking and PSU Debt Fund category average return was 7.17%.
  • The fund has given a return of 6.24% in last five years and ranked 9th out of seventeen funds in the category. In the same period the Banking and PSU Debt Fund category average return was 6.29%.
  • The fund has given a return of 7.18% in last ten years and ranked 8th out of fourteen funds in the category. In the same period the category average return was 7.07%.
  • The fund has given a SIP return of 4.9% in last one year whereas category average SIP return is 5.3%. The fund one year return rank in the category is 17th in 20 funds
  • The fund has SIP return of 4.66% in last three years and ranks 15th in 19 funds. Franklin India Banking & Psu Debt Fund has given the highest SIP return (5.48%) in the category in last three years.
  • The fund has SIP return of 6.11% in last five years whereas category average SIP return is 6.22%.

Aditya Birla Sun Life Banking & Psu Debt Fund Risk Analysis

  • The fund has a standard deviation of 1.55 and semi deviation of 1.04. The category average standard deviation is 1.46 and semi deviation is 0.96.
  • The fund has a Value at Risk (VaR) of -0.55 and a maximum drawdown of -0.35. The category average VaR is -0.33 and the maximum drawdown is -0.36. The fund has a beta of 0.8 which shows that fund is less volatile than the benchmark.

Standard deviation measures the fund's return volatility and Semi deviation focuses on downside volatility. Value at Risk (VaR) is a measure of the risk of investments. Maximum Drawdown is the maximum loss from a peak to a trough of a portfolio. Beta measures the volatility of the fund compared to the benchmark. A beta of 1 indicates that the fund will move in line with the benchmark. A beta of more than 1 indicates that the fund will be more volatile than the benchmark and vice versa.


  • Very Good Performance in Banking and PSU Debt Fund Category
  • Good Performance in Banking and PSU Debt Fund Category
  • Poor Performance in Banking and PSU Debt Fund Category
  • Very Poor Performance in Banking and PSU Debt Fund Category

    • Investors beware: Mutual Fund investments are subject to market risks. Please read the scheme related documents carefully.

    Data Source: www.amfiindia.com

    SEBI Categorization


    KPIs* Fund Benchmark Cat. Avg Min | Max Rank (In Cat.) Performance
    1M Return % -0.12
    -0.02
    		-0.34 | 0.52 13 | 20 Average
    3M Return % 1.34
    1.45
    		1.22 | 1.91 14 | 20 Average
    6M Return % 2.37
    2.56
    		2.21 | 3.26 14 | 20 Average
    1Y Return % 4.78
    5.04
    		4.44 | 6.30 14 | 20 Average
    3Y Return % 6.75
    6.80
    		6.36 | 7.22 13 | 19 Average
    5Y Return % 5.88
    5.91
    		5.33 | 7.44 6 | 17 Good
    7Y Return % 6.46
    6.36
    		5.79 | 6.94 6 | 15 Good
    10Y Return % 6.82
    6.71
    		6.27 | 7.01 7 | 14 Good
    15Y Return % 8.04
    7.58
    		6.89 | 8.04 1 | 3 Very Good
    1Y SIP Return % 4.55
    4.93
    		4.29 | 6.21 15 | 20 Average
    3Y SIP Return % 4.30
    4.46
    		4.00 | 5.15 15 | 19 Average
    5Y SIP Return % 5.74
    5.84
    		5.43 | 6.60 11 | 17 Average
    7Y SIP Return % 5.92
    5.96
    		5.57 | 6.84 7 | 15 Good
    10Y SIP Return % 6.22
    6.16
    		5.74 | 6.39 7 | 14 Good
    15Y SIP Return % 6.89
    6.53
    		6.12 | 6.89 1 | 4 Very Good
    Standard Deviation 1.55
    1.46
    		0.98 | 2.08 11 | 19 Average
    Semi Deviation 1.04
    0.96
    		0.63 | 1.41 13 | 19 Average
    Max Drawdown % -0.35
    -0.36
    		-0.89 | 0.00 9 | 19 Good
    VaR 1 Y % -0.55
    -0.33
    		-1.21 | 0.00 15 | 19 Average
    Average Drawdown % 0.20
    0.17
    		0.00 | 0.38 9 | 19 Good
    Sharpe Ratio 0.75
    0.81
    		0.53 | 1.29 9 | 19 Good
    Sterling Ratio 0.68
    0.67
    		0.63 | 0.71 8 | 19 Good
    Sortino Ratio 0.39
    0.44
    		0.26 | 0.81 12 | 19 Average
    Jensen Alpha % -0.63
    -0.45
    		-1.09 | 0.42 14 | 19 Average
    Treynor Ratio 0.01
    0.02
    		0.01 | 0.03 12 | 19 Average
    Modigliani Square Measure % 1.10
    1.18
    		0.77 | 1.88 9 | 19 Good
    Alpha % -0.75
    -0.75
    		-1.08 | -0.29 10 | 19 Good
    Return data last Updated On : Sept. 11, 2026.
    Other parameters, fund ranking, non return related analysis are updated after every month end. Last Updated On : June 30, 2026
    KPIs: Key Performance Indicators

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    KPIs* Fund Benchmark Cat. Avg Min | Max Rank (In Cat.) Performance
    1M Return % -0.09 0.01 -0.31 | 0.54 13 | 20 Average
    3M Return % 1.43 1.54 1.31 | 1.97 15 | 20 Average
    6M Return % 2.54 2.74 2.38 | 3.39 16 | 20 Poor
    1Y Return % 5.13 5.41 4.73 | 6.61 15 | 20 Average
    3Y Return % 7.11 7.17 6.69 | 7.56 13 | 19 Average
    5Y Return % 6.24 6.29 5.72 | 7.71 9 | 17 Good
    7Y Return % 6.82 6.73 6.09 | 7.15 8 | 15 Good
    10Y Return % 7.18 7.07 6.50 | 7.41 8 | 14 Good
    1Y SIP Return % 4.90 5.30 4.57 | 6.48 17 | 20 Poor
    3Y SIP Return % 4.66 4.82 4.32 | 5.48 15 | 19 Average
    5Y SIP Return % 6.11 6.22 5.90 | 6.88 10 | 17 Good
    7Y SIP Return % 6.28 6.33 5.96 | 7.10 9 | 15 Average
    10Y SIP Return % 6.58 6.52 6.04 | 6.79 7 | 14 Good
    Standard Deviation 1.55 1.46 0.98 | 2.08 11 | 19 Average
    Semi Deviation 1.04 0.96 0.63 | 1.41 13 | 19 Average
    Max Drawdown % -0.35 -0.36 -0.89 | 0.00 9 | 19 Good
    VaR 1 Y % -0.55 -0.33 -1.21 | 0.00 15 | 19 Average
    Average Drawdown % 0.20 0.17 0.00 | 0.38 9 | 19 Good
    Sharpe Ratio 0.75 0.81 0.53 | 1.29 9 | 19 Good
    Sterling Ratio 0.68 0.67 0.63 | 0.71 8 | 19 Good
    Sortino Ratio 0.39 0.44 0.26 | 0.81 12 | 19 Average
    Jensen Alpha % -0.63 -0.45 -1.09 | 0.42 14 | 19 Average
    Treynor Ratio 0.01 0.02 0.01 | 0.03 12 | 19 Average
    Modigliani Square Measure % 1.10 1.18 0.77 | 1.88 9 | 19 Good
    Alpha % -0.75 -0.75 -1.08 | -0.29 10 | 19 Good
    Return data last Updated On : Sept. 11, 2026.
    Other parameters, fund ranking, non return related analysis are updated after every month end. Last Updated On : June 30, 2026
    KPIs: Key Performance Indicators

    Disclaimer: Past performance may or may not be sustained in future and should not be used as a basis for comparison with other investments. Returns for periods above 1 year are annualised.


    Date Aditya Birla Sun Life Banking & Psu Debt Fund NAV Regular Growth Aditya Birla Sun Life Banking & Psu Debt Fund NAV Direct Growth
    11-09-2026 388.0645 404.393
    10-09-2026 388.5323 404.8768
    09-09-2026 388.622 404.9664
    08-09-2026 388.5774 404.9163
    07-09-2026 388.5539 404.888
    04-09-2026 388.3736 404.6889
    03-09-2026 388.1691 404.4722
    02-09-2026 387.6384 403.9154
    01-09-2026 387.4109 403.6746
    31-08-2026 387.4003 403.6599
    28-08-2026 387.3608 403.6075
    27-08-2026 387.5282 403.7782
    25-08-2026 387.6283 403.8751
    24-08-2026 387.5396 403.779
    21-08-2026 387.4258 403.6492
    20-08-2026 387.8554 404.093
    19-08-2026 388.4704 404.73
    18-08-2026 388.3569 404.6081
    17-08-2026 388.7382 405.0016
    14-08-2026 388.873 405.1308
    13-08-2026 388.8114 405.0629
    12-08-2026 388.6199 404.8597
    11-08-2026 388.5291 404.7614

    Fund Launch Date: 01/Jan/2000
    Fund Category: Banking and PSU Fund
    Investment Objective: 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 Description: ABSL Banking and PSU Debt Fund is an income generating scheme investing in a portfolio of securities issued by government owned entities like PSUs & PFIs which makes the portfolio highly credit worthy.
    Fund Benchmark: CRISIL Short Term Bond Fund Index
    Source: Fund FactSheet

    Disclaimer: NO INVESTMENT ADVICE. The Content is for informational purposes only.