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

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Debt: Banking and PSU

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1 Lakh

Investment Grown to
₹ 1.10 Lakh

₹ 10000

Monthly SIP Grown to
₹ 1.26 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
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
Fund 7.92 -0.03 0.07 0.52 1.51 8.50 10.37 8.35 8.92 9.44 9.39
CCIL T Bill Liquidity Weight 2.49 0.02 0.04 0.19 0.54 1.61 3.46 3.99 4.17 4.65 4.76
Debt: Banking and PSU 7.24 -0.03 0.03 0.48 1.32 8.02 9.86 8.18 8.33 8.67 8.67
Rank within category 5 14 13 9 6 8 8 7 1 1 1
Number of funds in category 19 20 20 20 19 19 18 16 14 10 3

As on 25-Sep-2020

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
3 star
 Apr-08 10.37 8.35 8.92 0.68 13,519
IDFC Banking & PSU Debt Fund - Regular Plan
5 star
 Mar-13 11.14 9.27 8.50 0.65 17,691
Axis Banking & PSU Debt Fund  | Invest Online
5 star
 Jun-12 10.00 9.01 8.62 0.62 16,059
Kotak Banking and PSU Debt Fund Regular Plan  | Invest Online
4 star
 Dec-98 10.53 8.63 8.68 0.74 9,132
Nippon India Banking & PSU Debt Fund  | Invest Online
4 star
 May-15 10.80 8.59 8.72 0.80 5,410

Best & Worst Performance

Best (Period) Worst (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 8.02 2.12 1.36 3.28 1.75 4.93
CCIL T Bill Liquidity Weight 3.97 0.31 -3.79 -6.90 -- --
Debt: Banking and PSU 7.90 2.37 1.26 2.57 2.14 5.27
Rank within category 8 6 6 4 8 10
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 31-Aug-2020

Portfolio Aggregates

Fund 1Y High 1Y Low Category
Number of Securities 222 222 157 81
Modified Duration (yrs) 2.96 3.43 2.04 2.74
Average Maturity (yrs) 3.81 4.73 2.75 3.80
Yield to Maturity (%) 5.51 7.11 5.32 5.34
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
up 7.59% GOI 2026 GOI Securities SOV 0.00 - 2.96 2.96
down 6.79% GOI 15/05/2027 GOI Securities SOV 0.00 - 3.04 2.80
up 8.24% GOI 15/02/2027 Central Government Loan SOV 0.00 - 2.26 2.26
up 6.40% National Bank Agr. Rur. Devp 31/07/2023 Non Convertible Debenture AAA 0.00 - 2.22 2.22
equal 7.85% National Bank Agr. Rur. Devp 23/05/2022 Non Convertible Debenture AAA 1.67 - 2.40 2.19
equal HUDCO 24/06/2023 Non Convertible Debenture AAA 0.00 - 2.28 2.08
equal 7.42% Power Finance Corp. 19/11/2024 Non Convertible Debenture AAA 0.00 - 3.19 2.01
equal 8.50% National Bank Agr. Rur. Devp Debenture AAA 0.68 - 2.43 1.99
equal 7.89% SIDBI 15/11/2022 Non Convertible Debenture AAA 1.95 - 3.40 1.97
equal 5.95% HUDCO 2023 Debenture AAA 0.00 - 1.97 1.97
equal 7.28% HDB Financial Services 24/08/2023 Debenture AAA 0.00 - 2.05 1.92
equal 7.99% State Bank of India 28/06/2029 Non Convertible Debenture AAA 0.91 - 2.51 1.87
equal 7.35% Power Finance Corp. 15/10/2022 Debenture AAA 0.00 - 2.31 1.55
up 6.45% GOI 2029 GOI Securities SOV 0.00 - 4.56 1.31
up 8.15% GOI 24/11/2026 Central Government Loan SOV 0.00 - 1.39 1.31
equal 6.79% HUDCO 14/04/2023 Non Convertible Debenture AAA 0.00 - 1.35 1.23
equal Tata Capital Financial Services 27/08/2021 Debenture AAA 0.00 - 1.23 1.15
equal 6.75% Power Finance Corp. 22/05/2023 Debenture AAA 0.00 - 1.21 1.14
equal 7.11% Nat. Highways Authority 2022 Non Convertible Debenture AAA 1.08 - 1.66 1.09
equal 7.27% IRFC 15/06/2027 Bonds AAA 0.35 - 2.65 1.05
up 7.69% National Bank Agr. Rur. Devp 29/05/2024 Non Convertible Debenture AAA 0.00 - 1.04 1.04
equal 7.20% Sikka Ports and Terminals 16/06/2023 Zero Coupon Bonds AAA 0.00 - 1.09 1.03
equal 6.39% Indian Oil Corp. 2025 Debenture AAA 0.00 - 1.99 0.98
equal 6.95% Reliance Industries 15/03/2023 Non Convertible Debenture AAA 0.00 - 1.02 0.96
equal HDFC 19/05/2022 Non Convertible Debenture AAA 0.00 - 1.01 0.95

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 31-Aug-2020

Fund Manager

— Kaustubh Gupta since 29-Sep-2009

Education: Mr. Gupta is a B.Com and a Chartered Accountant.

Experience: Prior to joining Birla Sun Life AMC he has worked with ICICI Bank.

Funds Managed:

— Pranay Sinha since 06-Aug-2020

Education: Mr. Sinha has done B.Tech in Aerospace Engg. from IIT Kharagpur and PGDM with Major in Finance from IIM Calcutta.

Experience: Prior to joining BSLAMC , he has worked with BNP Paribas Bank (October 2010 - August,2014) , Morgan Stanley Investment Management Pvt. Ltd. (March 2008 - October 2010) and ICICI Prudential Asset Management Co. Ltd. ( October 2005 - March 2008).

Funds Managed:

Invest Online
-0.03%

Change from previous, NAV as on 25-Sep-2020

Growth: ₹ 275.8285

Dividend Quarterly: ₹ 109.0374

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Dividend Monthly: ₹ 111.5123

Dividend: ₹ 163.3896

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 (₹) 1,000
Minimum Addl Investment (₹) 1,000
Minimum SIP Investment (₹) 100
Minimum No of Cheques 6
Minimum Withdrawal (₹) 1
Minimum Balance (₹) 500
Exit Load 0

Basic Details

Fund House: Aditya Birla Sun Life Mutual Fund
Launch Date: 24-Apr-2008
Return Since Launch: 8.81%
Benchmark: NIFTY Banking and PSU Debt TRI
Riskometer: Moderately Low
Type: Open-ended
Assets: ₹ 13,519 Cr (As on 31-Aug-2020)
Expense: 0.68% (As on 31-Aug-2020)
Risk Grade: Below Average
Return Grade: Average

Most Recent Dividends

Plan Record Date Dividend (₹ / Unit)  
Dividend Monthly25-Sep-20200.5119

 28-Aug-20200.5181
 31-Jul-20200.6422
 26-Jun-20200.5089
 29-May-20200.6265
 24-Apr-20200.5009
 27-Mar-20200.3608
 28-Feb-20200.3579
 31-Jan-20200.4463
 27-Dec-20190.3586
 29-Nov-20190.4459
 25-Oct-20190.3546
 27-Sep-20190.4157
 30-Aug-20190.5172
 26-Jul-20190.4104
 28-Jun-20190.4103
 31-May-20190.5068
 26-Apr-20190.4078
 29-Mar-20190.5544
 22-Feb-20190.4442
 25-Jan-20190.4446
 28-Dec-20180.4430
 30-Nov-20180.5513
 26-Oct-20180.3997
 28-Sep-20180.4006
Dividend Quarterly15-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
 15-Dec-20151.6655
 15-Sep-20151.6815
 15-Jun-20151.6791
 16-Mar-20151.6941
 15-Dec-20141.6584
 15-Sep-20141.3095
Dividend25-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
 28-Mar-20130.2444
 14-Mar-20130.3251

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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dateSaturday, 26-Sep-2020
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