Aditya Birla Sun Life Banking and PSU Debt Fund · Regular · Growth
Aditya Birla Sun Life Mutual Fund
NAV
₹387.3195
as of 29 Sept 2026
Expense Ratio
0.73%
AUM
₹8,845 Cr
Lumpsum returns (CAGR)
- 1Y
- +4.24%
- 3Y
- +6.57%
- 5Y
- +5.83%
- Since Inception
- +7.63%
SIP returns (XIRR)
- 1Y
- +4.03%
- 3Y
- +5.81%
- 5Y
- +6.14%
- Since Inception
- +7.52%
Returns calculated from 07 October 2011 onwards due to a structural change in the scheme on that date. Earlier NAV history is preserved but excluded from multi-year return calculations. Periods spanning this date show —.
What history actually did — last 10 years (Sept 2016 – Sept 2026)
A ₹5,000 monthly SIP for the last 10 years (Sept 2016 – Sept 2026)
Real NAV backtest
A ₹5,000 monthly SIP would be worth ₹8,34,275 today — ₹6,00,000 invested, 6.5% XIRR.
₹6,00,000
Invested
₹8,34,275
Value today
6.5%
XIRR (p.a.)
A ₹1,00,000 lumpsum, the last 10 years (Sept 2016 – Sept 2026)
Real NAV backtest
₹1,00,000 invested 10 years ago would be ₹1,91,741 today (6.7% CAGR).
A regular withdrawal plan (SWP)
Real NAV backtest
A ₹10,00,000 corpus withdrawing ₹5,000/month since Sept 2016 would still hold ₹10,83,134.
Buying the worst day
Real NAV backtest
₹1,00,000 invested on the worst market day of the last 10 years (Sept 2016 – Sept 2026) (22 Mar 2020) would be ₹1,52,474 today (1.52×).
Historical simulation using actual published NAVs for the stated period. Past performance may or may not be sustained in the future. Not investment advice.
Risk Metrics
Trailing 1 year, annualised-0.74
Sharpe Ratio
—
Alpha
—
Beta
-0.75
Sortino
1.32%
Std Dev
-0.61%
Max Drawdown
Performance Comparison
Related reading
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Fund Details
Available transactions
Portfolio holdings
- 17.48% National Bank For Agriculture And Rural Development (15/09/2028)5.23%
- 26.58% Indian Railway Finance Corporation Ltd. (30/05/2030) **2.24%
- 37.56% Rec Ltd. (31/08/2027) **2.19%
- 48.00% Hdfc Bank Ltd. (27/07/2032) **2.09%
- 57.17% Rec Ltd. (01/07/2031)1.97%
- 66.78% Indian Railway Finance Corporation Ltd. (30/04/2030) **1.83%
- 77.42% State Bank Of India (29/08/2039) **1.82%
- 87.60% Power Finance Corporation Ltd. (13/04/2029) **1.72%
- 9Shivshakti Securitisation Trust (28/09/2029) **1.62%
- 107.34% Small Industries Development Bank Of India (26/02/2029) **1.43%
Investment objective — in the AMC’s words
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.
About This Fund
Aditya Birla Sun Life Banking and PSU Debt Fund · Regular · Growth is a Banking & PSU Debt mutual fund offered by Aditya Birla Sun Life Mutual Fund. The fund has been operational for over 18 years. It manages assets worth ₹8,845 Cr, reflecting investor confidence in the fund's strategy. It benchmarks its performance against Nifty Banking & PSU Debt Index A-II. The current expense ratio is 0.73%.
Who Should Invest?
- •Moderate-risk investors looking for balanced growth and income
- •Investors with a medium-term horizon of 3-5 years
- •SIP investors who can benefit from rupee cost averaging during market fluctuations