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Unrated

Aditya Birla Sun Life Banking & PSU Debt Fund - Retail Plan


1 Lakh

Investment Grown to
₹ 1.04 Lakh

₹ 10000

Monthly SIP Grown to
₹ 1.23 Lakh

Suitability:

"Banking and PSU funds invest mainly in bonds issued by banks, public sector undertakings (PSUs) and public financial institutions. They are suitable for a short investment horizon of two to three years, or for the fixed-income allocation in your longer-term portfolio. You can expect to earn higher returns than what a bank fixed deposit can fetch.

The risk of incurring a loss in these funds is low, but they do not guarantee returns or safety of capital like a bank deposit.

Remember, their returns may not be substantially higher than inflation. They are meant to deliver steady, but low to moderate returns and are not suitable to build wealth in the long run."

Taxability of earnings:

Capital gains

  • If the mutual fund units are sold after 3 years from the date of investment, gains are taxed at the rate of 20% after providing the benefit of inflation indexation.
  • If the mutual fund units are sold within 3 years from the date of investment, entire amount of gain is added to the investors' income and taxed according to the applicable slab rate.
  • No tax is to be paid as long as you continue to hold the units.

Dividends

  • Dividends are added to the income of the investors and taxed according to their respective tax slabs. Further, if an investor's dividend income exceeds Rs. 5,000 in a financial year, the fund house also deducts a TDS of 10% before distributing the dividend.

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(₹)
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Trailing Returns (%)

YTD 1-Day 1-W 1-M 3-M 6-M 1-Y 3-Y 5-Y 7-Y 10-Y
Fund 3.03 0.00 0.06 0.10 1.05 2.46 4.23 8.67 7.49 8.48 8.94
CCIL T Bill Liquidity Weight 1.65 0.01 0.03 0.12 0.50 1.04 2.03 3.30 3.60 4.05 4.51
Debt: Banking and PSU 2.87 0.02 0.09 0.08 1.03 2.24 3.93 8.30 7.34 7.84 8.31

As on 27-Oct-2021

Peer Comparison

Fund name Rating Launch Date 1-Year Return 3-Year Return 5-Year Return Expense Ratio Assets (Cr)
Aditya Birla Sun Life Banking & PSU Debt Fund - Retail Plan  | Invest Online
Unrated
Apr-02 4.23 8.67 7.49 0.64% 15,823
IDFC Banking & PSU Debt Fund - Regular Plan
5 star
Mar-13 4.00 9.31 7.76 0.63% 19,205
Axis Banking & PSU Debt Fund
4 star
Jun-12 3.84 8.57 7.79 0.62% 16,745
Aditya Birla Sun Life Banking & PSU Debt Fund - Regular Plan  | Invest Online
4 star
Apr-08 4.23 8.67 7.49 0.67% 15,823
Kotak Banking and PSU Debt Fund Regular Plan  | Invest Online
4 star
Dec-98 4.56 9.08 7.79 0.76% 9,332

Best & Worst Performance

Best Performance Worst Performance
Return (%) Period Return (%) Period
Week 3.01 24-Mar-2020 - 31-Mar-2020 -2.15 12-Mar-2020 - 19-Mar-2020
Month 3.95 24-Mar-2020 - 23-Apr-2020 -2.62 20-Feb-2020 - 23-Mar-2020
Quarter 6.77 24-Mar-2020 - 24-Jun-2020 -1.68 24-Nov-2016 - 23-Feb-2017
Year 14.44 24-Nov-2015 - 24-Nov-2016 3.77 11-Sep-2017 - 11-Sep-2018

Risk Measures (%)

Mean Std Dev Sharpe Sortino Beta Alpha
Fund 8.55 2.17 2.12 3.64 1.98 5.82
CCIL T Bill Liquidity Weight 3.34 0.40 -1.54 -3.94 -- --
Debt: Banking and PSU 8.21 2.43 1.91 3.58 2.22 5.62

The Risk Measures have been calculated using calendar month returns for the last three years.

As on 30-Sep-2021

Portfolio Aggregates

Fund 1Y High 1Y Low Category
Number of Securities 253 271 238 82
Modified Duration (yrs) 2.00 2.86 1.91 2.43
Average Maturity (yrs) 2.76 3.69 2.59 3.22
Yield to Maturity (%) 4.95 5.32 4.71 5.01
Avg Credit Rating AAA -- -- --

Value Research Fund Style

Credit Rating vis-à-vis Category

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Top Holdings

Company Instrument Credit Rating 1Y Range % Assets
equal 6.40% National Bank Agr. Rur. Devp 31/07/2023 Non Convertible Debenture AAA 2.07 - 3.45 3.45
down Axis Bank 28/01/2022 Certificate of Deposit A1+ 0.00 - 2.65 2.65
up GOI 22/09/2033 GOI Securities Floating Rate Bond SOV 0.00 - 2.49 2.12
equal 7.60% Axis Bank 20/10/2023 Bonds/Debentures AAA 0.68 - 2.20 2.03
down 5.47% Power Finance Corporation 19/08/2023 Debenture AAA 0.74 - 1.98 1.98
equal Housing & Urban Development Corporation 24/06/2023 Non Convertible Debenture AAA 1.56 - 2.01 1.78
equal 7.42% Power Finance Corporation 19/11/2024 Non Convertible Debenture AAA 1.46 - 1.95 1.67
equal 7.99% State Bank of India Additional Tier 2 Bond AAA 1.38 - 1.75 1.59
equal 6.24% State Bank of India Additional Tier 2 Bond AAA 0.95 - 1.58 1.58
equal National Bank Agr. Rur. Devp 2024 Non Convertible Debenture AAA 0.00 - 1.56 1.56
equal 8.24% GOI 15/02/2027 Central Government Loan SOV 1.31 - 3.91 1.50
equal 8.15% GOI 24/11/2026 Central Government Loan SOV 1.28 - 1.85 1.46
down 5.95% Housing & Urban Development Corporation 2023 Debenture AAA 1.42 - 1.89 1.42
equal Axis Bank 27/04/2022 Certificate of Deposit A1+ 0.00 - 1.30 1.30
down 5.27% National Bank Agr. Rur. Devp 29/04/2024 Debenture AAA 0.00 - 2.14 1.30
equal 6.79% Housing & Urban Development Corporation 14/04/2023 Non Convertible Debenture AAA 1.02 - 1.36 1.21
equal 4.90% SIDBI 18/08/2023 Bonds/NCDs AAA 0.00 - 1.05 1.02
down 8.50% National Bank Agr. Rur. Devp Debenture AAA 1.00 - 1.70 1.00
equal 7.28% HDB Financial Services 24/08/2023 Debenture AAA 0.86 - 1.80 0.99
equal 6.75% Power Finance Corporation 22/05/2023 Debenture AAA 0.60 - 1.10 0.98
equal 7.11% Nat. Highways Authority 2022 Non Convertible Debenture AAA 0.86 - 1.03 0.98
equal 6.90% REC 30/06/2022 Debenture AAA 0.32 - 0.97 0.97
down 5.79% REC 20/03/2024 Debenture AAA 0.00 - 0.98 0.93
equal 6.90% GOI 2026 Central Government Loan SOV 0.74 - 0.94 0.84
equal 7.44% Bank of Baroda Additional Tier 2 Bond AAA 0.60 - 0.83 0.83

up down equal Indicates an increase or decrease or no change in holding since last portfolio
new Indicates a new holding since last portfolio

As on 30-Sep-2021

Fund Manager


0.00%

Change from previous, NAV as on 27-Oct-2021

Growth: ₹ 438.4374

IDCW Quarterly: ₹ 112.6658

IDCW Monthly: ₹ 112.2086


Investment Strategy

The scheme seeks 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.

Investment Details

Minimum Investment (₹) 10,000
Minimum Addl Investment (₹) 1,000
Minimum SIP Investment (₹) 1,000
Minimum No of Cheques 6
Minimum Withdrawal (₹) --
Minimum Balance (₹) --
Lock-in Period Not Applicable
Exit Load 0

Basic Details

Fund House: Aditya Birla Sun Life Mutual Fund
Launch Date: 19-Apr-2002
Return Since Launch: 7.86%
Benchmark: NIFTY Banking and PSU Debt Index
Riskometer: Moderate
Type: Open-ended
Assets: ₹ 15,823 Cr (As on 30-Sep-2021)
Expense: 0.64% (As on 28-Feb-2017)
Risk Grade: --
Return Grade: --

Most Recent Dividends

Plan Record Date Dividend (₹ / Unit)  
IDCW Monthly24-Sep-20210.4300

 27-Aug-20210.4294
 30-Jul-20210.5361
 25-Jun-20210.4298
 28-May-20210.4291
 30-Apr-20210.5341
 26-Mar-20210.4260
 26-Feb-20210.4309
 29-Jan-20210.4950
 28-Dec-20200.4805
 27-Nov-20200.3856
 02-Nov-20200.5797
 25-Sep-20200.5112
 28-Aug-20200.5175
 31-Jul-20200.6414
 26-Jun-20200.5083
 29-May-20200.6257
 24-Apr-20200.5003
 27-Mar-20200.3604
 28-Feb-20200.3575
 31-Jan-20200.4457
 27-Dec-20190.3581
 29-Nov-20190.4453
 25-Oct-20190.3541
 27-Sep-20190.4152
IDCW Quarterly15-Sep-20211.4165

 15-Jun-20211.3989
 15-Mar-20211.3961
 15-Dec-20201.3910
 15-Sep-20201.6736
 15-Jun-20201.6159
 16-Mar-20201.1583
 16-Dec-20191.1570
 16-Sep-20191.3345
 17-Jun-20191.3637
 15-Mar-20191.3925
 17-Dec-20181.4301
 17-Sep-20181.3429
 15-Jun-20181.3264
 15-Mar-20181.1703
 15-Dec-20171.1942
 15-Sep-20171.7608
 15-Jun-20171.7422
 15-Mar-20171.7456
 15-Dec-20161.7538
 15-Sep-20161.7369
 15-Jun-20161.7244
 15-Mar-20161.7060
 15-Dec-20151.7079
 15-Sep-20151.7242
IDCW Monthly11-Feb-20110.0220

 31-Jan-20110.0580
 31-Dec-20100.0532
 30-Nov-20100.0530
 29-Oct-20100.0462
 29-Sep-20100.0401
 31-Aug-20100.0359
 30-Jul-20100.0346
 30-Jun-20100.0311
 31-May-20100.0306
 30-Apr-20100.0336
 30-Mar-20100.0287
 26-Feb-20100.0237
 29-Jan-20100.0223
 31-Dec-20090.0207
 30-Nov-20090.0255
 30-Oct-20090.0280
 29-Sep-20090.0240
 31-Aug-20090.0279
 31-Jul-20090.0328
 30-Jun-20090.0297
 29-May-20090.0319
 29-Apr-20090.0361
 30-Mar-20090.0438
 27-Feb-20090.0413

Contact Information

AMC: Aditya Birla Sun Life AMC Ltd.

Address: One India Bulls Center - Tower 1, 17th Floor - Jupiter Mills Compound, 841 Senapati Bhawan, Elphinstone Road, Mumbai - 400013

Phone: 022-43568000 / 1800-270-7000 / 1800-22-7000

Fax: 022-43568110

Website: http://mutualfund.adityabirlacapital.com

Registrar & Transfer Agent: Computer Age Management Services Ltd.

Address: 7th Floor, Tower II, Rayala Towers, 158, Anna Salai, Chennai - 600002

Phone: 1800-3010-6767 / 1800-419-7676

Fax: 044-30407101

Email: [email protected]

Website: www.camsonline.com

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