NSE ScannerAditya Birla Sun Life Mutual Fund · Debt · Banking and PSU Debt · Direct plan
Aditya Birla Sun Life Banking & PSU Debt Fund - Direct Plan - Growth
₹402.7738NAV on 30 Oct 2026Expense ratio 0.41%
29 Oct 2025NAV low 389.2 · high 405.13+3.4%
In plain words
Over 3 years it returned +6.8% a year, against +7.4% for its benchmark index.
Its worst fall from a peak in the last 3 years was -0.7%.
On 3-year return it ranks 10 of 15 funds in Banking and PSU Debt.
A monthly SIP over 10 years ended ₹31,362 higher in the direct plan than the regular plan, because of the lower expense ratio.
Past returns, not a promise of future returns or a recommendation.
Returns vs benchmark
| Period | Fund | Benchmark |
|---|---|---|
| 1 month | -0.3% | +1.9% |
| 3 months | -0.1% | -5.1% |
| 6 months | +2.0% | -3.2% |
| 1 year | +3.5% | -10.2% |
| 3 years (yearly) | +6.8% | +7.4% |
| 5 years (yearly) | +6.1% | +6.5% |
| 10 years (yearly) | +7.0% | +11.3% |
| Since start (yearly) | +8.1% | +11.2% |
Monthly SIP of ₹10,000
| Period | Invested | Value now | Yearly return |
|---|---|---|---|
| 1 year | ₹1,20,000 | ₹1,22,384 | +3.3% |
| 3 years | ₹3,60,000 | ₹3,94,049 | +5.7% |
| 5 years | ₹5,90,000 | ₹6,92,095 | +6.2% |
| 10 years | ₹11,90,000 | ₹16,78,725 | +6.7% |
Top holdings (30 Sept 2026)
Fund size ₹8,439 crore · 176 holdings · 0% in equity
| Company | Industry | Weight |
|---|---|---|
| 7.48% National Bank for Agriculture and Rural Development (15/09/2028) | CRISIL AAA | 6.72% |
| 6.58% Indian Railway Finance Corporation Ltd. (30/05/2030) ** | ICRA AAA | 2.28% |
| 7.56% REC Ltd. (31/08/2027) ** | ICRA AAA | 2.25% |
| 7.28% REC Ltd. (31/08/2029) ** | CRISIL AAA | 2.05% |
| 6.78% Indian Railway Finance Corporation Ltd. (30/04/2030) ** | ICRA AAA | 1.87% |
| 7.42% State Bank of India (29/08/2039) ** | ICRA AAA | 1.83% |
| 7.60% Power Finance Corporation Ltd. (13/04/2029) ** | ICRA AAA | 1.77% |
| 7.44% National Bank for Agriculture and Rural Development (24/02/2028) | ICRA AAA | 1.77% |
| 7.70% Small Industries Development Bank of India (10/10/2029) ** | CRISIL AAA | 1.77% |
| Shivshakti Securitisation Trust (28/09/2029) ** | CRISIL AAA(SO) | 1.64% |
| 7.45% Power Finance Corporation Ltd. (15/07/2028) ** | ICRA AAA | 1.47% |
| 7.34% Small Industries Development Bank of India (26/02/2029) ** | CRISIL AAA | 1.47% |
| HDFC Bank Ltd. (15/01/2027) # | CARE A1+ | 1.45% |
| 7.27% Power Finance Corporation Ltd. (15/10/2031) | ICRA AAA | 1.44% |
| 7.34% REC Ltd. (30/04/2030) ** | ICRA AAA | 1.40% |
Largest industries: ICRA AAA 28.1%, CRISIL AAA 21.8%, CRISIL A1+ 5.4%, ICRA A1+ 3.7%, CRISIL AAA(SO) 2.6%, CARE A1+ 2.6%.
Other plan of this fund: Aditya Birla Sun Life Banking & PSU Debt Fund - Regular Plan - Growth