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 9
Rating
Growth Option 28-04-2026
NAV ₹380.07(R) -0.03% ₹395.57(D) -0.03%
Returns 1Y 3Y 5Y 7Y 10Y
Lumpsum Regular 4.45% 6.8% 5.91% 6.92% 7.15%
Direct 4.8% 7.16% 6.27% 7.28% 7.5%
Benchmark
SIP (XIRR) Regular 3.79% 4.36% 5.69% 5.99% 6.11%
Direct 4.14% 4.71% 6.05% 6.35% 6.46%
Ratio Sharpe Ratio Sortino Ratio Sterling Ratio Jensen's Alpha Treynor Ratio
0.74 0.34 0.66 -0.35% -0.51
Risk STD. Dev VaR 1Y95% Max DD Beta Semi Devi.
1.35% -0.55% -0.37% 0.91 0.99%
Fund AUM As on: 30/12/2025 9162 Cr
Top Banking and PSU Fund
Fund Name Rank Rating
UTI Banking & PSU Fund 1
Franklin India Banking & Psu Debt Fund 2
Kotak Banking And Psu Debt Fund 3
ICICI Prudential Banking & PSU Debt Fund 4

NAV Date: 28-04-2026

Scheme Name NAV Rupee Change Percent Change
Aditya Birla Sun Life Banking & PSU Debt Fund - REGULAR - Quarterly IDCW 101.71
-0.0300
-0.0300%
Aditya Birla Sun Life Banking & PSU Debt Fund - retail - quarterly IDCW 102.9
-0.0300
-0.0300%
Aditya Birla Sun Life Banking & PSU Debt Fund - Direct - Quarterly IDCW 104.03
-0.0300
-0.0300%
Aditya Birla Sun Life Banking & PSU Debt Fund - DIRECT - IDCW 104.74
-0.0300
-0.0300%
Aditya Birla Sun Life Banking & PSU Debt Fund - REGULAR - MONTHLY IDCW 111.72
-0.0400
-0.0300%
Aditya Birla Sun Life Banking & PSU Debt Fund - retail - monthly IDCW 113.33
-0.0400
-0.0300%
Aditya Birla Sun Life Banking & PSU Debt Fund - DIRECT - MONTHLY IDCW 116.3
-0.0400
-0.0300%
Aditya Birla Sun Life Banking & PSU Debt Fund - REGULAR - IDCW 146.72
-0.0500
-0.0300%
Aditya Birla Sun Life Banking & PSU Debt Fund - Regular Plan-Growth 380.07
-0.1300
-0.0300%
Aditya Birla Sun Life Banking & PSU Debt Fund- Direct Plan-Growth 395.57
-0.1300
-0.0300%
Aditya Birla Sun Life Banking & PSU Debt Fund - Retail Plan-Growth 570.54
-0.1900
-0.0300%

Review Date: 28-04-2026

Beginning of Analysis

Aditya Birla Sun Life Banking & Psu Debt Fund is the 9th ranked fund in the Banking and PSU Debt Fund category. The category has total 20 funds. The 4 star rating shows a very good past performance of the Aditya Birla Sun Life Banking & Psu Debt Fund in Banking and PSU Debt Fund. The fund has a Jensen Alpha of -0.35% which is lower than the category average of -0.27%. The fund has a Sharpe Ratio of 0.74 which is lower than the category average of 0.78.
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 0.72%, 1.24 and 1.65 in last one, three and six months respectively. In the same period the category average return was 0.7%, 1.2% and 1.79% respectively.
  • Aditya Birla Sun Life Banking & Psu Debt Fund has given a return of 4.8% in last one year. In the same period the Banking and PSU Debt Fund category average return was 4.98%.
  • The fund has given a return of 7.16% in last three years and ranked 8.0th out of nineteen funds in the category. In the same period the Banking and PSU Debt Fund category average return was 7.1%.
  • The fund has given a return of 6.27% in last five years and ranked 6th out of seventeen funds in the category. In the same period the Banking and PSU Debt Fund category average return was 6.22%.
  • The fund has given a return of 7.5% in last ten years and ranked 3rd out of fourteen funds in the category. In the same period the category average return was 7.22%.
  • The fund has given a SIP return of 4.14% in last one year whereas category average SIP return is 4.3%. The fund one year return rank in the category is 12th in 20 funds
  • The fund has SIP return of 4.71% in last three years and ranks 11th in 19 funds. Franklin India Banking & Psu Debt Fund has given the highest SIP return (5.33%) in the category in last three years.
  • The fund has SIP return of 6.05% in last five years whereas category average SIP return is 6.08%.

Aditya Birla Sun Life Banking & Psu Debt Fund Risk Analysis

  • The fund has a standard deviation of 1.35 and semi deviation of 0.99. The category average standard deviation is 1.29 and semi deviation is 0.93.
  • The fund has a Value at Risk (VaR) of -0.55 and a maximum drawdown of -0.37. The category average VaR is -0.33 and the maximum drawdown is -0.38. 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 % 0.70
    0.67
    		0.52 | 0.83 7 | 20 Good
    3M Return % 1.15
    1.11
    		0.79 | 1.55 7 | 20 Good
    6M Return % 1.48
    1.61
    		1.03 | 2.51 11 | 20 Average
    1Y Return % 4.45
    4.61
    		3.45 | 5.95 12 | 20 Average
    3Y Return % 6.80
    6.73
    		6.32 | 7.11 6 | 19 Good
    5Y Return % 5.91
    5.84
    		5.27 | 7.22 5 | 17 Very Good
    7Y Return % 6.92
    6.71
    		6.11 | 7.46 5 | 15 Good
    10Y Return % 7.15
    6.85
    		6.32 | 7.21 2 | 14 Very Good
    15Y Return % 8.13
    7.65
    		6.93 | 8.13 1 | 3 Very Good
    1Y SIP Return % 3.79
    3.93
    		2.91 | 5.44 10 | 20 Good
    3Y SIP Return % 4.36
    4.38
    		3.93 | 4.99 9 | 19 Good
    5Y SIP Return % 5.69
    5.70
    		5.25 | 6.62 6 | 17 Good
    7Y SIP Return % 5.99
    5.95
    		5.45 | 6.85 6 | 15 Good
    10Y SIP Return % 6.11
    5.98
    		5.50 | 6.27 5 | 14 Good
    15Y SIP Return % 7.04
    6.62
    		6.16 | 7.04 1 | 4 Very Good
    Standard Deviation 1.35
    1.29
    		0.90 | 1.83 11 | 19 Average
    Semi Deviation 0.99
    0.93
    		0.61 | 1.35 13 | 19 Average
    Max Drawdown % -0.37
    -0.38
    		-0.91 | 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
    		-0.38 | 0.00 11 | 19 Average
    Sharpe Ratio 0.74
    0.78
    		0.45 | 1.28 9 | 19 Good
    Sterling Ratio 0.66
    0.66
    		0.61 | 0.71 8 | 19 Good
    Sortino Ratio 0.34
    0.38
    		0.19 | 0.79 9 | 19 Good
    Jensen Alpha % -0.35
    -0.27
    		-0.90 | 0.43 9 | 19 Good
    Treynor Ratio -0.51
    -0.57
    		-0.86 | -0.41 8 | 19 Good
    Modigliani Square Measure % 6.78
    6.85
    		6.38 | 7.56 9 | 19 Good
    Alpha % -0.70
    -0.70
    		-1.19 | -0.25 8 | 19 Good
    Return data last Updated On : April 28, 2026.
    Other parameters, fund ranking, non return related analysis are updated after every month end. Last Updated On : March 30, 2026
    KPIs: Key Performance Indicators

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    KPIs* Fund Benchmark Cat. Avg Min | Max Rank (In Cat.) Performance
    1M Return % 0.72 0.70 0.56 | 0.85 7 | 20 Good
    3M Return % 1.24 1.20 0.91 | 1.61 8 | 20 Good
    6M Return % 1.65 1.79 1.17 | 2.66 11 | 20 Average
    1Y Return % 4.80 4.98 3.72 | 6.21 13 | 20 Average
    3Y Return % 7.16 7.10 6.65 | 7.46 8 | 19 Good
    5Y Return % 6.27 6.22 5.67 | 7.48 6 | 17 Good
    7Y Return % 7.28 7.08 6.42 | 7.80 5 | 15 Good
    10Y Return % 7.50 7.22 6.55 | 7.62 3 | 14 Very Good
    1Y SIP Return % 4.14 4.30 3.19 | 5.76 12 | 20 Average
    3Y SIP Return % 4.71 4.74 4.26 | 5.33 11 | 19 Average
    5Y SIP Return % 6.05 6.08 5.73 | 6.89 8 | 17 Good
    7Y SIP Return % 6.35 6.32 5.85 | 7.10 7 | 15 Good
    10Y SIP Return % 6.46 6.35 5.85 | 6.68 6 | 14 Good
    Standard Deviation 1.35 1.29 0.90 | 1.83 11 | 19 Average
    Semi Deviation 0.99 0.93 0.61 | 1.35 13 | 19 Average
    Max Drawdown % -0.37 -0.38 -0.91 | 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 -0.38 | 0.00 11 | 19 Average
    Sharpe Ratio 0.74 0.78 0.45 | 1.28 9 | 19 Good
    Sterling Ratio 0.66 0.66 0.61 | 0.71 8 | 19 Good
    Sortino Ratio 0.34 0.38 0.19 | 0.79 9 | 19 Good
    Jensen Alpha % -0.35 -0.27 -0.90 | 0.43 9 | 19 Good
    Treynor Ratio -0.51 -0.57 -0.86 | -0.41 8 | 19 Good
    Modigliani Square Measure % 6.78 6.85 6.38 | 7.56 9 | 19 Good
    Alpha % -0.70 -0.70 -1.19 | -0.25 8 | 19 Good
    Return data last Updated On : April 28, 2026.
    Other parameters, fund ranking, non return related analysis are updated after every month end. Last Updated On : March 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
    28-04-2026 380.0746 395.5702
    27-04-2026 380.2025 395.6997
    24-04-2026 379.9663 395.4429
    23-04-2026 380.1733 395.6547
    22-04-2026 380.4748 395.9648
    21-04-2026 380.4772 395.9636
    20-04-2026 380.444 395.9255
    17-04-2026 380.2493 395.7183
    16-04-2026 380.3031 395.7707
    15-04-2026 380.2856 395.7488
    13-04-2026 379.6437 395.0735
    10-04-2026 379.5973 395.0142
    09-04-2026 379.3081 394.7097
    08-04-2026 378.8648 394.2448
    07-04-2026 377.4163 392.7338
    06-04-2026 377.138 392.4406
    02-04-2026 377.0326 392.3164
    30-03-2026 377.4454 392.735

    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.