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Aditya Birla Sun Life Banking & PSU Debt Fund - Direct Plan download report


Debt: Banking and PSU

1 Lakh

Investment Grown to
₹ 1.03 Lakh

₹ 10000

Monthly SIP Grown to
₹ 1.21 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
Aditya Birla SL Banking & PSU Debt Direct-G 0.49 -0.01 0.06 -0.44 -0.12 0.81 3.19 7.44 7.34 8.05 --
CCIL T Bill Liquidity Weight 0.59 0.04 0.04 -0.01 0.29 0.85 1.92 2.78 3.34 3.74 --
Debt: Banking and PSU 0.21 0.00 0.07 -0.35 -0.34 0.54 2.79 7.10 7.05 7.63 --
Rank within category 8 20 16 8 8 6 6 6 6 1 --
Number of funds in category 22 22 22 22 22 22 22 17 16 14 0

As on 20-May-2022

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 - Direct Plan  | Invest Online
4 star
Jan-13 3.19 7.44 7.34 0.34% 10,941
IDFC Banking & PSU Debt Fund - Direct Plan  | Invest Online
5 star
Mar-13 2.94 7.56 7.57 0.32% 17,076
Axis Banking & PSU Debt Fund - Direct Plan
5 star
Jan-13 3.28 7.07 7.50 0.33% 15,081
ICICI Prudential Banking & PSU Debt Fund - Direct Plan  | Invest Now
4 star
Jan-13 3.79 7.34 7.08 0.35% 10,510
Kotak Banking and PSU Debt Fund - Direct Plan  | Invest Online
4 star
Jan-13 3.33 7.50 7.45 0.36% 7,845

Best & Worst Performance

Best Performance Worst Performance
Return (%) Period Return (%) Period
Week 3.02 24-Mar-2020 - 31-Mar-2020 -2.14 12-Mar-2020 - 19-Mar-2020
Month 3.98 24-Mar-2020 - 23-Apr-2020 -2.59 20-Feb-2020 - 23-Mar-2020
Quarter 6.85 24-Mar-2020 - 24-Jun-2020 -1.60 24-Nov-2016 - 23-Feb-2017
Year 14.79 24-Nov-2015 - 24-Nov-2016 3.19 20-May-2021 - 20-May-2022

Risk Measures (%)

Mean Std Dev Sharpe Sortino Beta Alpha
Aditya Birla SL Banking & PSU Debt Direct-G 7.67 2.18 1.91 3.81 2.54 5.85
CCIL T Bill Liquidity Weight 2.86 0.36 -1.85 -5.13 -- --
Debt: Banking and PSU 7.29 2.27 1.71 3.70 2.70 5.58
Rank within category 5 11 6 9 5 7
Number of funds in category 17 17 17 17 17 17

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

As on 30-Apr-2022

Portfolio Aggregates

Fund 1Y High 1Y Low Category
Number of Securities 225 271 225 67
Modified Duration (yrs) 1.70 2.25 1.66 1.82
Average Maturity (yrs) 2.50 3.12 2.27 2.48
Yield to Maturity (%) 5.51 5.51 4.71 5.52
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 Axis Bank 20/09/2022 Certificate of Deposit A1+ 0.00 - 3.37 3.37
equal REC 13/12/2022 Debenture AAA 0.31 - 3.10 3.10
equal Housing & Urban Development Corporation 24/06/2023 Non Convertible Debenture AAA 1.55 - 2.53 2.53
equal Indian Bank 15/06/2022 Certificate of Deposit A1+ 0.00 - 2.27 2.27
new HDFC Bank 29/06/2022 Certificate of Deposit A1+ 0.00 - 2.27 2.27
up 8.15% GOI 24/11/2026 Central Government Loan SOV 1.27 - 2.17 2.17
equal 7.60% Axis Bank 20/10/2023 Bonds/Debentures AAA 1.56 - 2.36 2.15
down 6.40% National Bank Agr. Rur. Devp 31/07/2023 Non Convertible Debenture AAA 1.85 - 3.51 1.85
equal GOI 2028 GOI Securities SOV 0.00 - 1.80 1.80
equal Axis Bank 2022 Certificate of Deposit A1+ 0.00 - 1.78 1.78
up 6.24% State Bank of India Additional Tier 2 Bond AAA 0.97 - 1.76 1.76
equal 7.42% Power Finance Corporation 19/11/2024 Non Convertible Debenture AAA 1.04 - 1.80 1.42
equal 7.28% HDB Financial Services 24/08/2023 Debenture AAA 0.86 - 1.39 1.39
equal 7.45% REC 30/11/2022 Non Convertible Debenture AAA 0.03 - 1.39 1.39
equal 7.11% Nat. Highways Authority 2022 Non Convertible Debenture AAA 0.85 - 1.39 1.39
equal 5.84% Bajaj Housing Finance 21/02/2024 Floating Rate Bond AAA 0.00 - 1.36 1.36
up 5.83% State Bank of India Additional Tier 2 Bond AAA 0.34 - 1.33 1.33
equal 5.95% Housing & Urban Development Corporation 2023 Debenture AAA 1.24 - 1.74 1.33
equal 7.10% Punjab National Bank 18/11/2031 Debenture AA+ 0.00 - 1.32 1.32
up 6.75% Power Finance Corporation 22/05/2023 Debenture AAA 0.60 - 1.30 1.30
equal 7.35% Power Finance Corporation 15/10/2022 Debenture AAA 0.00 - 1.25 1.25
equal 8.90% State Bank of India Additional Tier 2 Bond AAA 0.00 - 1.23 1.23
up Indian Bank 29/06/2022 Certificate of Deposit A1+ 0.00 - 1.23 1.23
equal 6.90% GOI 2026 Central Government Loan SOV 0.73 - 1.18 1.18
equal 7.44% Bank of Baroda Additional Tier 2 Bond AAA 0.60 - 1.16 1.16

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-Apr-2022

Fund Manager


-0.01%

Change from previous, NAV as on 20-May-2022

Growth: ₹ 302.6021

IDCW Quarterly: ₹ 111.1183

More

IDCW Monthly: ₹ 113.2354

IDCW: ₹ 112.4374


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

Min. Investment (₹) 1,000
Min. Addl Investment (₹) 1,000
Min. SIP Investment (₹) 500
Min. No of Cheques 6
Min. Withdrawal (₹) 1
Min. Balance (₹) 500
Lock-in Period Not Applicable
Exit Load 0

Basic Details

Fund House: Aditya Birla Sun Life Mutual Fund
Launch Date: 01-Jan-2013
Return Since Launch: 8.77%
Benchmark: NIFTY Banking and PSU Debt Index
Riskometer: Moderate
Type: Open-ended
Assets: ₹ 10,941 Cr (As on 30-Apr-2022)
Expense: 0.34% (As on 30-Apr-2022)
Risk Grade: Average
Return Grade: Above Average

Most Recent Dividends

Plan Record Date Dividend (₹ / Unit)  
IDCW Monthly29-Apr-20220.4928

 25-Mar-20220.3945
 25-Feb-20220.3940
 28-Jan-20220.3947
 31-Dec-20210.4943
 26-Nov-20210.3953
 29-Oct-20210.4959
 24-Sep-20210.4406
 27-Aug-20210.4399
 30-Jul-20210.5490
 25-Jun-20210.4400
 28-May-20210.4392
 30-Apr-20210.5465
 26-Mar-20210.4358
 26-Feb-20210.4406
 29-Jan-20210.5060
 28-Dec-20200.4911
 27-Nov-20200.3941
 02-Nov-20200.5922
 25-Sep-20200.5221
 28-Aug-20200.5283
 31-Jul-20200.6546
 26-Jun-20200.5186
 29-May-20200.6383
 24-Apr-20200.5101
IDCW22-Mar-20229.1360

 21-Dec-202111.2400
 14-Sep-202112.9500
 29-Jun-202113.1900
 25-Feb-20217.9900
 25-Feb-20206.7782
 22-Mar-20197.7074
 26-Feb-20186.7171
 28-Feb-20140.2635
 14-Feb-20140.2932
 28-Jan-20140.2235
 15-Jan-20140.3128
 30-Dec-20130.2262
 16-Dec-20130.3620
 28-Nov-20130.3286
 14-Nov-20130.2957
 28-Oct-20130.2858
 14-Oct-20130.4511
 30-Sep-20130.4198
 16-Sep-20130.5474
 28-Aug-20130.2461
 14-Aug-20130.1754
 15-Jul-20130.2902
 28-Jun-20130.2336
 14-Jun-20130.2610
IDCW Quarterly15-Mar-20221.2411

 15-Dec-20211.2588
 15-Sep-20211.4114
 15-Jun-20211.3926
 15-Mar-20211.3886
 15-Dec-20201.3824
 15-Sep-20201.6617
 15-Jun-20201.6030
 16-Mar-20201.1482
 16-Dec-20191.1460
 16-Sep-20191.3209
 17-Jun-20191.3487
 15-Mar-20191.3762
 17-Dec-20181.4123
 17-Sep-20181.3252
 15-Jun-20181.3077
 15-Mar-20181.1532
 15-Dec-20171.1758
 15-Sep-20171.7324
 15-Jun-20171.7126
 15-Mar-20171.7144
 15-Dec-20161.7209
 15-Sep-20161.7030
 15-Jun-20161.6895
 15-Mar-20161.6702

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

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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