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 11
Rating
Growth Option 16-01-2026
NAV ₹375.53(R) -0.11% ₹390.47(D) -0.11%
Returns 1Y 3Y 5Y 7Y 10Y
Lumpsum Regular 6.77% 7.14% 5.85% 7.03% 7.38%
Direct 7.13% 7.5% 6.21% 7.39% 7.73%
Benchmark
SIP (XIRR) Regular 4.92% 4.87% 3.62% 5.16% 6.24%
Direct 5.28% 5.23% 3.97% 5.52% 6.61%
Ratio Sharpe Ratio Sortino Ratio Sterling Ratio Jensen's Alpha Treynor Ratio
1.34 0.75 0.72 0.45% 0.02
Risk STD. Dev VaR 1Y95% Max DD Beta Semi Devi.
1.18% -0.03% -0.2% 0.88 0.81%
Fund AUM As on: 30/06/2025 8905 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
Sundaram Banking & PSU Fund 5

NAV Date: 16-01-2026

Scheme Name NAV Rupee Change Percent Change
Aditya Birla Sun Life Banking & PSU Debt Fund - REGULAR - Quarterly IDCW 101.88
-0.1100
-0.1100%
Aditya Birla Sun Life Banking & PSU Debt Fund - retail - quarterly IDCW 103.04
-0.1100
-0.1100%
Aditya Birla Sun Life Banking & PSU Debt Fund - Direct - Quarterly IDCW 104.1
-0.1100
-0.1100%
Aditya Birla Sun Life Banking & PSU Debt Fund - DIRECT - IDCW 110.01
-0.1200
-0.1100%
Aditya Birla Sun Life Banking & PSU Debt Fund - REGULAR - MONTHLY IDCW 112.37
-0.1200
-0.1100%
Aditya Birla Sun Life Banking & PSU Debt Fund - retail - monthly IDCW 113.28
-0.1200
-0.1100%
Aditya Birla Sun Life Banking & PSU Debt Fund - DIRECT - MONTHLY IDCW 116.81
-0.1300
-0.1100%
Aditya Birla Sun Life Banking & PSU Debt Fund - REGULAR - IDCW 154.24
-0.1700
-0.1100%
Aditya Birla Sun Life Banking & PSU Debt Fund - Regular Plan-Growth 375.53
-0.4100
-0.1100%
Aditya Birla Sun Life Banking & PSU Debt Fund- Direct Plan-Growth 390.47
-0.4200
-0.1100%
Aditya Birla Sun Life Banking & PSU Debt Fund - Retail Plan-Growth 563.72
-0.6100
-0.1100%

Review Date: 16-01-2026

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 0.45% which is lower than the category average of 0.77%, showing poor performance. The fund has a Sharpe Ratio of 1.34 which is lower than the category average of 1.34.
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 -0.01%, 0.45 and 1.89 in last one, three and six months respectively. In the same period the category average return was 0.06%, 0.63% and 2.04% respectively.
  • Aditya Birla Sun Life Banking & Psu Debt Fund has given a return of 7.13% in last one year. In the same period the Banking and PSU Debt Fund category average return was 7.26%.
  • The fund has given a return of 7.5% in last three years and ranked 10.0th out of 20 funds in the category. In the same period the Banking and PSU Debt Fund category average return was 7.47%.
  • The fund has given a return of 6.21% in last five years and ranked 7th out of 17 funds in the category. In the same period the Banking and PSU Debt Fund category average return was 6.18%.
  • The fund has given a return of 7.73% in last ten years and ranked 3rd out of 14 funds in the category. In the same period the category average return was 7.36%.
  • The fund has given a SIP return of 5.28% in last one year whereas category average SIP return is 5.55%. The fund one year return rank in the category is 16th in 21 funds
  • The fund has SIP return of 5.23% in last three years and ranks 12th in 20 funds. Kotak Banking And Psu Debt Fund has given the highest SIP return (5.57%) in the category in last three years.
  • The fund has SIP return of 3.97% in last five years whereas category average SIP return is 3.99%.

Aditya Birla Sun Life Banking & Psu Debt Fund Risk Analysis

  • The fund has a standard deviation of 1.18 and semi deviation of 0.81. The category average standard deviation is 1.14 and semi deviation is 0.77.
  • The fund has a Value at Risk (VaR) of -0.03 and a maximum drawdown of -0.2. The category average VaR is -0.05 and the maximum drawdown is -0.13. 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 % -0.04
    0.03
    		-0.08 | 0.20 19 | 21 Poor
    3M Return % 0.37
    0.54
    		0.13 | 0.89 19 | 21 Poor
    6M Return % 1.72
    1.85
    		1.43 | 2.36 15 | 21 Average
    1Y Return % 6.77
    6.87
    		6.19 | 7.47 15 | 21 Average
    3Y Return % 7.14
    7.08
    		6.66 | 7.44 9 | 20 Good
    5Y Return % 5.85
    5.79
    		5.21 | 7.05 5 | 17 Very Good
    7Y Return % 7.03
    6.85
    		6.03 | 7.67 6 | 15 Good
    10Y Return % 7.38
    7.00
    		6.39 | 7.39 2 | 14 Very Good
    15Y Return % 8.21
    7.73
    		7.00 | 8.21 1 | 3 Very Good
    1Y SIP Return % 4.92
    5.16
    		4.35 | 6.04 15 | 21 Average
    3Y SIP Return % 4.87
    4.89
    		4.42 | 5.19 12 | 20 Average
    5Y SIP Return % 3.62
    3.62
    		3.28 | 4.48 8 | 17 Good
    7Y SIP Return % 5.16
    5.10
    		4.65 | 5.78 5 | 15 Good
    10Y SIP Return % 6.24
    6.08
    		5.64 | 6.39 3 | 14 Very Good
    15Y SIP Return % 7.04
    6.60
    		6.12 | 7.04 1 | 4 Very Good
    Standard Deviation 1.18
    1.14
    		0.82 | 1.59 11 | 20 Average
    Semi Deviation 0.81
    0.77
    		0.54 | 1.09 12 | 20 Average
    Max Drawdown % -0.20
    -0.13
    		-0.40 | 0.00 17 | 20 Poor
    VaR 1 Y % -0.03
    -0.05
    		-0.45 | 0.00 16 | 20 Poor
    Average Drawdown % -0.15
    -0.09
    		-0.25 | 0.00 16 | 20 Poor
    Sharpe Ratio 1.34
    1.34
    		0.89 | 2.05 11 | 20 Average
    Sterling Ratio 0.72
    0.72
    		0.69 | 0.75 7 | 20 Good
    Sortino Ratio 0.75
    0.82
    		0.47 | 1.33 11 | 20 Average
    Jensen Alpha % 0.45
    0.77
    		-1.20 | 2.45 11 | 20 Average
    Modigliani Square Measure % 6.84
    7.17
    		5.23 | 9.22 12 | 20 Average
    Alpha % -0.62
    -0.67
    		-0.97 | -0.27 7 | 20 Good
    Return data last Updated On : Jan. 16, 2026.
    Other parameters, fund ranking, non return related analysis are updated after every month end. Last Updated On : Dec. 31, 2025
    KPIs: Key Performance Indicators

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    KPIs* Fund Benchmark Cat. Avg Min | Max Rank (In Cat.) Performance
    1M Return % -0.01 0.06 -0.05 | 0.23 19 | 21 Poor
    3M Return % 0.45 0.63 0.20 | 0.95 19 | 21 Poor
    6M Return % 1.89 2.04 1.56 | 2.52 17 | 21 Average
    1Y Return % 7.13 7.26 6.49 | 7.72 16 | 21 Average
    3Y Return % 7.50 7.47 6.98 | 7.80 10 | 20 Good
    5Y Return % 6.21 6.18 5.61 | 7.31 7 | 17 Good
    7Y Return % 7.39 7.22 6.23 | 8.01 7 | 15 Good
    10Y Return % 7.73 7.36 6.67 | 7.79 3 | 14 Very Good
    1Y SIP Return % 5.28 5.55 4.63 | 6.30 16 | 21 Average
    3Y SIP Return % 5.23 5.26 4.74 | 5.57 12 | 20 Average
    5Y SIP Return % 3.97 3.99 3.74 | 4.74 8 | 17 Good
    7Y SIP Return % 5.52 5.47 5.00 | 6.03 7 | 15 Good
    10Y SIP Return % 6.61 6.46 5.91 | 6.81 5 | 14 Good
    Standard Deviation 1.18 1.14 0.82 | 1.59 11 | 20 Average
    Semi Deviation 0.81 0.77 0.54 | 1.09 12 | 20 Average
    Max Drawdown % -0.20 -0.13 -0.40 | 0.00 17 | 20 Poor
    VaR 1 Y % -0.03 -0.05 -0.45 | 0.00 16 | 20 Poor
    Average Drawdown % -0.15 -0.09 -0.25 | 0.00 16 | 20 Poor
    Sharpe Ratio 1.34 1.34 0.89 | 2.05 11 | 20 Average
    Sterling Ratio 0.72 0.72 0.69 | 0.75 7 | 20 Good
    Sortino Ratio 0.75 0.82 0.47 | 1.33 11 | 20 Average
    Jensen Alpha % 0.45 0.77 -1.20 | 2.45 11 | 20 Average
    Modigliani Square Measure % 6.84 7.17 5.23 | 9.22 12 | 20 Average
    Alpha % -0.62 -0.67 -0.97 | -0.27 7 | 20 Good
    Return data last Updated On : Jan. 16, 2026.
    Other parameters, fund ranking, non return related analysis are updated after every month end. Last Updated On : Dec. 31, 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
    16-01-2026 375.5278 390.4741
    14-01-2026 375.9372 390.8926
    13-01-2026 376.1426 391.1026
    12-01-2026 376.5203 391.4916
    09-01-2026 376.3098 391.2618
    08-01-2026 376.2764 391.2234
    07-01-2026 376.2652 391.2081
    06-01-2026 376.4298 391.3757
    05-01-2026 376.3823 391.3226
    02-01-2026 376.6781 391.6192
    01-01-2026 376.7361 391.6758
    31-12-2025 376.6438 391.5763
    30-12-2025 376.2935 391.2084
    29-12-2025 376.5098 391.4296
    26-12-2025 376.3319 391.2337
    24-12-2025 376.2815 391.1741
    23-12-2025 375.5592 390.4196
    22-12-2025 375.6608 390.5216
    19-12-2025 375.7267 390.5791
    18-12-2025 375.659 390.5051
    17-12-2025 375.6869 390.5304
    16-12-2025 375.6886 390.5286

    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.