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

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Debt: Banking and PSU

Analysts' Choiceunlock it

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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Annual Returns
Quarterly Returns
Monthly Returns
Weekly Returns

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(₹)
cal
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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 Reg-G 0.30 -0.06 0.10 -0.31 -0.14 0.65 2.95 7.24 7.06 7.76 8.54
CCIL T Bill Liquidity Weight 0.55 0.03 0.00 -0.04 0.32 0.83 1.91 2.81 3.35 3.75 4.29
Debt: Banking and PSU -0.01 -0.07 0.11 -0.26 -0.34 0.35 2.46 6.87 6.71 7.26 7.85
Rank within category 6 10 10 6 8 5 6 6 6 1 1
Number of funds in category 22 22 22 22 22 22 22 17 16 13 3

As on 13-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 - Regular Plan  | Invest Online
4 star
 Apr-08 2.95 7.24 7.06 0.68% 10,941
IDFC Banking & PSU Debt Fund - Regular Plan  | Invest Online
4 star
 Mar-13 2.63 7.42 7.26 0.62% 17,076
Axis Banking & PSU Debt Fund
5 star
 Jun-12 2.98 6.92 7.22 0.62% 15,081
ICICI Prudential Banking & PSU Debt Fund  | Invest Now
4 star
 Jan-10 3.45 7.00 6.69 0.82% 10,510
Kotak Banking and PSU Debt Fund Regular Plan  | Invest Online
5 star
 Dec-98 3.08 7.26 7.10 0.78% 7,845

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 2.95 12-May-2021 - 13-May-2022

Risk Measures (%)

Mean Std Dev Sharpe Sortino Beta Alpha
Aditya Birla SL Banking & PSU Debt Reg-G 7.34 2.17 1.75 3.52 2.55 5.53
CCIL T Bill Liquidity Weight 2.86 0.36 -1.85 -5.13 -- --
Debt: Banking and PSU 6.93 2.27 1.54 3.35 2.70 5.21
Rank within category 5 11 4 6 6 5
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 1.87
Average Maturity (yrs) 2.50 3.12 2.27 2.55
Yield to Maturity (%) 5.51 5.51 4.71 5.55
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

— Harshil Suvarnkar since 22-Mar-2021

— Kaustubh Gupta since 29-Sep-2009

Invest Online
-0.06%

Change from previous, NAV as on 13-May-2022

Growth: ₹ 294.5253

IDCW Quarterly: ₹ 108.3515

More

IDCW Monthly: ₹ 110.3060

IDCW: ₹ 157.4533

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: 24-Apr-2008
Return Since Launch: 8.24%
Benchmark: NIFTY Banking and PSU Debt Index
Riskometer: Moderate
Type: Open-ended
Assets: ₹ 10,941 Cr (As on 30-Apr-2022)
Expense: 0.68% (As on 31-Mar-2022)
Risk Grade: Average
Return Grade: Above Average

Most Recent Dividends

Plan Record Date Dividend (₹ / Unit)  
IDCW Monthly29-Apr-20220.4806

 25-Mar-20220.3849
 25-Feb-20220.3844
 28-Jan-20220.3852
 31-Dec-20210.4826
 26-Nov-20210.3860
 29-Oct-20210.4844
 24-Sep-20210.4305
 27-Aug-20210.4299
 30-Jul-20210.5368
 25-Jun-20210.4303
 28-May-20210.4296
 30-Apr-20210.5348
 26-Mar-20210.4266
 26-Feb-20210.4314
 29-Jan-20210.4956
 28-Dec-20200.4811
 27-Nov-20200.3861
 02-Nov-20200.5805
 25-Sep-20200.5119
 28-Aug-20200.5181
 31-Jul-20200.6422
 26-Jun-20200.5089
 29-May-20200.6265
 24-Apr-20200.5009
IDCW Quarterly15-Mar-20221.2126

 15-Dec-20211.2310
 15-Sep-20211.3814
 15-Jun-20211.3642
 15-Mar-20211.3615
 15-Dec-20201.3565
 15-Sep-20201.6321
 15-Jun-20201.5758
 16-Mar-20201.1295
 16-Dec-20191.1282
 16-Sep-20191.3014
 17-Jun-20191.3299
 15-Mar-20191.3579
 17-Dec-20181.3947
 17-Sep-20181.3096
 15-Jun-20181.2935
 15-Mar-20181.1413
 15-Dec-20171.1647
 15-Sep-20171.7172
 15-Jun-20171.6991
 15-Mar-20171.7022
 15-Dec-20161.7103
 15-Sep-20161.6939
 15-Jun-20161.6816
 15-Mar-20161.6637
IDCW25-Feb-20228.3000

 25-Feb-20218.3400
 25-Feb-20207.0952
 22-Mar-20198.0676
 28-Feb-20140.2603
 14-Feb-20140.2892
 28-Jan-20140.2205
 15-Jan-20140.3086
 30-Dec-20130.2199
 16-Dec-20130.3583
 28-Nov-20130.3263
 14-Nov-20130.3026
 28-Oct-20130.2835
 14-Oct-20130.4488
 30-Sep-20130.4198
 16-Sep-20130.5475
 28-Aug-20130.2460
 14-Aug-20130.1754
 15-Jul-20130.2866
 28-Jun-20130.2306
 14-Jun-20130.2566
 28-May-20130.2474
 14-May-20130.3982
 29-Apr-20130.3024
 15-Apr-20130.5691

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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