Previously Known As : Aditya Birla Sun Life Treasury Optimizer Plan
Aditya Birla Sun Life Banking & Psu Debt Fund Overview
Category Banking and PSU Fund
BMSMONEY Rank 2
Rating
Growth Option 23-06-2025
NAV ₹367.52(R) +0.02% ₹381.41(D) +0.02%
Returns 1Y 3Y 5Y 7Y 10Y
Lumpsum Regular 8.99% 7.53% 6.25% 7.42% 7.64%
Direct 9.36% 7.9% 6.62% 7.78% 7.98%
Benchmark
SIP (XIRR) Regular 9.29% 4.23% 5.65% 6.45% 6.95%
Direct 9.66% 4.59% 6.02% 6.81% 7.31%
Ratio Sharpe Ratio Sortino Ratio Sterling Ratio Jensen's Alpha Treynor Ratio
1.81 1.57 0.77 1.86% 0.03
Risk STD. Dev VaR 1Y95% Max DD Beta Semi Devi.
1.0% 0.0% 0.0% 0.71 0.6%
Fund AUM As on: 31/03/2025 9417 Cr
Top Banking and PSU Fund
Fund Name Rank Rating
Kotak Banking And Psu Debt Fund 1
Aditya Birla Sun Life Banking & Psu Debt Fund 2
ICICI Prudential Banking & PSU Debt Fund 3
Dsp Banking & Psu Debt Fund 4

NAV Date: 23-06-2025

Scheme Name NAV Rupee Change Percent Change
Aditya Birla Sun Life Banking & PSU Debt Fund - REGULAR - Quarterly IDCW 102.6
0.0200
0.0200%
Aditya Birla Sun Life Banking & PSU Debt Fund - retail - quarterly IDCW 103.72
0.0200
0.0200%
Aditya Birla Sun Life Banking & PSU Debt Fund - Direct - Quarterly IDCW 104.63
0.0200
0.0200%
Aditya Birla Sun Life Banking & PSU Debt Fund - DIRECT - IDCW 107.46
0.0200
0.0200%
Aditya Birla Sun Life Banking & PSU Debt Fund - retail - monthly IDCW 113.55
0.0200
0.0200%
Aditya Birla Sun Life Banking & PSU Debt Fund - REGULAR - MONTHLY IDCW 113.77
0.0200
0.0200%
Aditya Birla Sun Life Banking & PSU Debt Fund - DIRECT - MONTHLY IDCW 117.96
0.0200
0.0200%
Aditya Birla Sun Life Banking & PSU Debt Fund - REGULAR - IDCW 150.96
0.0200
0.0200%
Aditya Birla Sun Life Banking & PSU Debt Fund - Regular Plan-Growth 367.52
0.0600
0.0200%
Aditya Birla Sun Life Banking & PSU Debt Fund- Direct Plan-Growth 381.41
0.0700
0.0200%
Aditya Birla Sun Life Banking & PSU Debt Fund - Retail Plan-Growth 551.7
0.0900
0.0200%

Review Date: 23-06-2025

Beginning of Analysis

In the Banking and PSU Debt Fund category, Aditya Birla Sun Life Banking & Psu Debt Fund is the second ranked fund. The category has total 19 funds. The Aditya Birla Sun Life Banking & Psu Debt Fund has shown an excellent past performence in Banking and PSU Debt Fund. The fund has a Jensen Alpha of 1.86% which is higher than the category average of 1.29%. Here the fund has shown very good performance in terms of risk adjusted returns. The fund has a Sharpe Ratio of 1.81 which is higher than the category average of 1.55.
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%, 3.06 and 5.04 in last one, three and six months respectively. In the same period the category average return was 0.03%, 3.02% and 5.03% respectively.
  • Aditya Birla Sun Life Banking & Psu Debt Fund has given a return of 9.36% in last one year. In the same period the Banking and PSU Debt Fund category average return was 9.29%.
  • The fund has given a return of 7.9% in last three years and ranked 6.0th out of 19 funds in the category. In the same period the Banking and PSU Debt Fund category average return was 7.86%.
  • The fund has given a return of 6.62% in last five years and ranked 5th out of 15 funds in the category. In the same period the Banking and PSU Debt Fund category average return was 6.45%.
  • The fund has given a return of 7.98% in last ten years and ranked 2nd out of 14 funds in the category. In the same period the category average return was 7.59%.
  • The fund has given a SIP return of 9.66% in last one year whereas category average SIP return is 9.6%. The fund one year return rank in the category is 10th in 22 funds
  • The fund has SIP return of 4.59% in last three years and ranks 9th in 19 funds. Kotak Banking And Psu Debt Fund has given the highest SIP return (4.76%) in the category in last three years.
  • The fund has SIP return of 6.02% in last five years whereas category average SIP return is 5.96%.

Aditya Birla Sun Life Banking & Psu Debt Fund Risk Analysis

  • The fund has a standard deviation of 1.0 and semi deviation of 0.6. The category average standard deviation is 1.1 and semi deviation is 0.7.
  • The fund has a Value at Risk (VaR) of 0.0 and a maximum drawdown of 0.0. The category average VaR is -0.01 and the maximum drawdown is -0.11. The fund has a beta of 0.71 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
    0.00
    		-0.45 | 0.31 17 | 22 Average
    3M Return % 2.97
    2.93
    		2.41 | 3.23 10 | 22 Good
    6M Return % 4.87
    4.84
    		4.25 | 5.13 13 | 22 Average
    1Y Return % 8.99
    8.89
    		8.08 | 9.46 11 | 22 Good
    3Y Return % 7.53
    7.45
    		7.07 | 8.07 7 | 19 Good
    5Y Return % 6.25
    6.08
    		5.45 | 7.04 6 | 15 Good
    7Y Return % 7.42
    7.21
    		6.29 | 8.02 5 | 15 Good
    10Y Return % 7.64
    7.22
    		6.58 | 7.64 1 | 14 Very Good
    15Y Return % 26.30
    13.82
    		7.08 | 26.30 1 | 3 Very Good
    1Y SIP Return % 9.29
    9.20
    		8.17 | 9.65 12 | 22 Good
    3Y SIP Return % 4.23
    4.14
    		3.73 | 4.40 7 | 19 Good
    5Y SIP Return % 5.65
    5.59
    		5.16 | 6.49 5 | 15 Good
    7Y SIP Return % 6.45
    6.31
    		5.77 | 6.75 5 | 15 Good
    10Y SIP Return % 6.95
    6.71
    		6.20 | 7.02 3 | 14 Very Good
    15Y SIP Return % 17.77
    9.63
    		6.59 | 17.77 1 | 4 Very Good
    Standard Deviation 1.00
    1.10
    		0.78 | 1.73 7 | 19 Good
    Semi Deviation 0.60
    0.70
    		0.49 | 1.21 6 | 19 Good
    Max Drawdown % 0.00
    -0.11
    		-0.68 | 0.00 9 | 19 Good
    VaR 1 Y % 0.00
    -0.01
    		-0.25 | 0.00 18 | 19 Poor
    Average Drawdown % 0.00
    -0.09
    		-0.56 | 0.00 9 | 19 Good
    Sharpe Ratio 1.81
    1.55
    		1.24 | 2.46 3 | 19 Very Good
    Sterling Ratio 0.77
    0.75
    		0.71 | 0.79 4 | 19 Very Good
    Sortino Ratio 1.57
    1.17
    		0.69 | 2.42 4 | 19 Very Good
    Jensen Alpha % 1.86
    1.29
    		-1.83 | 3.46 5 | 19 Very Good
    Treynor Ratio 0.03
    0.02
    		0.02 | 0.04 5 | 19 Very Good
    Modigliani Square Measure % 8.77
    8.13
    		5.58 | 11.07 6 | 19 Good
    Alpha % -0.37
    -0.51
    		-0.96 | 0.10 5 | 19 Very Good
    Return data last Updated On : June 23, 2025.
    Other parameters, fund ranking, non return related analysis are updated after every month end. Last Updated On : May 30, 2025
    KPIs: Key Performance Indicators

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    KPIs* Fund Benchmark Cat. Avg Min | Max Rank (In Cat.) Performance
    1M Return % -0.09 0.03 -0.43 | 0.32 17 | 22
    3M Return % 3.06 3.02 2.45 | 3.36 10 | 22
    6M Return % 5.04 5.03 4.38 | 5.39 11 | 22
    1Y Return % 9.36 9.29 8.40 | 9.89 10 | 22
    3Y Return % 7.90 7.86 7.46 | 8.41 6 | 19
    5Y Return % 6.62 6.45 5.80 | 7.27 5 | 15
    7Y Return % 7.78 7.59 6.47 | 8.35 6 | 15
    10Y Return % 7.98 7.59 6.87 | 8.02 2 | 14
    1Y SIP Return % 9.66 9.60 8.46 | 10.20 10 | 22
    3Y SIP Return % 4.59 4.53 4.26 | 4.76 9 | 19
    5Y SIP Return % 6.02 5.96 5.54 | 6.76 7 | 15
    7Y SIP Return % 6.81 6.68 6.12 | 7.09 7 | 15
    10Y SIP Return % 7.31 7.08 6.47 | 7.44 4 | 14
    Standard Deviation 1.00 1.10 0.78 | 1.73 7 | 19
    Semi Deviation 0.60 0.70 0.49 | 1.21 6 | 19
    Max Drawdown % 0.00 -0.11 -0.68 | 0.00 9 | 19
    VaR 1 Y % 0.00 -0.01 -0.25 | 0.00 18 | 19
    Average Drawdown % 0.00 -0.09 -0.56 | 0.00 9 | 19
    Sharpe Ratio 1.81 1.55 1.24 | 2.46 3 | 19
    Sterling Ratio 0.77 0.75 0.71 | 0.79 4 | 19
    Sortino Ratio 1.57 1.17 0.69 | 2.42 4 | 19
    Jensen Alpha % 1.86 1.29 -1.83 | 3.46 5 | 19
    Treynor Ratio 0.03 0.02 0.02 | 0.04 5 | 19
    Modigliani Square Measure % 8.77 8.13 5.58 | 11.07 6 | 19
    Alpha % -0.37 -0.51 -0.96 | 0.10 5 | 19
    Return data last Updated On : June 23, 2025.
    Other parameters, fund ranking, non return related analysis are updated after every month end. Last Updated On : May 30, 2025
    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
    23-06-2025 367.5211 381.412
    20-06-2025 367.4603 381.3436
    19-06-2025 367.4916 381.3725
    18-06-2025 367.9228 381.8164
    17-06-2025 367.9016 381.7908
    16-06-2025 367.4752 381.3447
    13-06-2025 367.2078 381.0566
    12-06-2025 367.6387 381.5002
    11-06-2025 367.8522 381.7182
    10-06-2025 368.1913 382.0665
    09-06-2025 369.0292 382.9324
    06-06-2025 369.4607 383.3695
    05-06-2025 368.6843 382.5603
    04-06-2025 368.5706 382.4388
    03-06-2025 368.5313 382.3944
    02-06-2025 368.4522 382.3088
    30-05-2025 368.28 382.1195
    29-05-2025 368.3905 382.2305
    28-05-2025 368.3732 382.209
    27-05-2025 368.208 382.034
    26-05-2025 368.1733 381.9945
    23-05-2025 367.9497 381.7518

    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.