Aditya Birla Sun Life Banking & PSU Debt Fund - Regular Plan-Growth
Aditya Birla Sun Life Mutual Fund
₹379.6546
₹0.26 (+0.07%)
NAV as of 29 May 2026
Today's NAV — all variants
Regular · Growth
₹₹569.9132
₹0.39 (+0.07%)
29 May 2026
AMFI: 103176
Direct · Growth
₹₹395.2461
₹0.28 (+0.07%)
29 May 2026
AMFI: 119550
Regular · IDCW
₹₹146.5535
₹0.10 (+0.07%)
29 May 2026
AMFI: 108272
Direct · IDCW
₹₹103.9427
₹0.07 (+0.07%)
29 May 2026
AMFI: 119553
Returns (Lumpsum)
CAGR for periods ≥ 1 yearReturns calculated from 07 October 2011 onwards due to a structural change in the scheme on that date. Pre-2011 NAV history is preserved but excluded from multi-year return calculations. Periods spanning this date show —.
SIP Returns (XIRR)
₹1,000/month SIP, annualisedSIP since inception — what ₹1,000/month became
Real NAV backtest from day one
₹2,16,000
Invested
₹14,43,993
Value today
18.6%
XIRR (p.a.)
₹1,000/month SIP from fund inception · Current value as of today
Try SIP Calculator with this fund's history₹1,000 lumpsum at launch — value today
Invested on the fund's first NAV date
₹1,000
Invested
₹37,935
Value today
22.3%
CAGR (p.a.)
One-time investment at fund inception · Growth purely from NAV appreciation
Try Lumpsum Calculator₹10L corpus with ₹5,000/month withdrawals since inception
Corpus is still growing despite monthly payouts
₹10,00,000
Initial corpus
₹10,80,000
Withdrawn
₹3,07,15,149
Corpus left
+₹3,07,95,149 net gain — withdrew ₹10,80,000 AND corpus grew
Plan your SWP with real NAV₹1 lakh on the worst crash day — 22 Mar 2020
Worst single-day Nifty drop during this fund's life
₹1,00,000
Invested
₹1,49,457
Value today
1.5×
Multiple
Staying invested through that crash turned ₹1L into ₹1,49,457 — a 1.5× return
Read: Staying invested through crashesDirect vs Regular — ₹500/month over 10 years
Expense ratio drag on your actual returns
Direct plan
₹86,401
Regular plan
₹84,786
Direct earns ₹1,615 more on a ₹60K investment — 0.27% extra return per year
Same fund, same NAV history — only the expense ratio differs. Direct plans always outperform Regular over time.
Learn about Direct vs Regular plansFund Details
Risk Metrics
Trailing 1 year, annualised-0.45
Sharpe Ratio
—
Alpha
—
Beta
-0.46
Sortino
1.20%
Std Dev
-0.61%
Max Drawdown
Portfolio Holdings
Top 50 holdings · as of Mar 2026
| Security | % NAV |
|---|---|
HDFC Bank Limited (15/02/2027) ** # INE040A16JC3 | 1.87% |
Indian Bank (22/01/2027) ** # INE562A16QG2 | 1.61% |
Punjab National Bank (28/01/2027) ** # INE160A16UC6 | 1.61% |
Small Industries Development Bank of India (04/02/2027) ** # INE556F16BY8 | 1.34% |
Punjab National Bank (10/02/2027) # INE160A16UI3 | 1.34% |
Small Industries Development Bank of India (18/02/2027) ** # INE556F16CB4 | 1.33% |
National Bank For Agriculture and Rural Development (17/03/2027) ** # INE261F16AP5 | 1.17% |
State Government Securities (04/09/2034) IN1920250272 | 1.12% |
Small Industries Development Bank of India (26/02/2027) ** # INE556F16CC2 | 1.12% |
National Bank For Agriculture and Rural Development (27/01/2027) ** # INE261F16AG4 | 1.07% |
Indian Bank (03/02/2027) ** # INE562A16QH0 | 1.07% |
Punjab National Bank (05/02/2027) ** # INE160A16UE2 | 1.07% |
HDFC Bank Limited (12/03/2027) # INE040A16IZ6 | 1.06% |
ICICI Bank Limited (19/03/2027) ** # INE090AD6303 | 1.06% |
State Government Securities (25/03/2031) IN3120250862 | 0.85% |
State Government Securities (25/03/2032) IN1620250424 | 0.85% |
State Government Securities (10/09/2034) IN1320250104 | 0.84% |
Canara Bank (22/01/2027) ** # INE476A16G10 | 0.80% |
Indian Bank (05/02/2027) # INE562A16QI8 | 0.80% |
HDFC Bank Limited (24/02/2027) ** # INE040A16IO0 | 0.80% |
Export Import Bank of India (01/03/2027) ** # INE514E16CP6 | 0.80% |
HDFC Bank Limited (09/03/2027) ** # INE040A16IT9 | 0.80% |
| Security | % NAV |
|---|---|
7.48% National Bank For Agriculture and Rural Development (15/09/2028) INE261F08EO7 | 3.40% |
6.58% Indian Railway Finance Corporation Limited (30/05/2030) ** INE053F08528 | 2.20% |
6.80% National Housing Bank (02/04/2032) ** INE557F08GE4 | 2.19% |
7.56% REC Limited (31/08/2027) ** INE020B08FF1 | 2.16% |
8.00% HDFC Bank Limited (27/07/2032) ** INE040A08807 | 2.07% |
7.82% Bajaj Finance Limited (31/01/2034) ** INE296A07SV1 | 1.88% |
7.42% State Bank of India (29/08/2039) ** INE062A08447 | 1.81% |
7.60% Power Finance Corporation Limited (13/04/2029) ** INE134E08MX3 | 1.71% |
7.03% National Bank for Financing Infrastructure and Dev (08/04/2030) ** INE0KUG08076 | 1.67% |
Shivshakti Securitisation Trust 2025-1 (28/09/2029) ** INE2I7G15010 | 1.62% |
7.65% HDFC Bank Limited (25/05/2033) ** INE040A08930 | 1.42% |
7.79% Small Industries Development Bank of India (14/05/2027) ** INE556F08KM1 | 1.41% |
7.27% Power Finance Corporation Limited (15/10/2031) ** INE134E08ND3 | 1.40% |
7.37% Indian Railway Finance Corporation Limited (31/07/2029) ** INE053F08411 | 1.36% |
7.30% Bharti Telecom Limited (01/12/2027) ** INE403D08306 | 1.35% |
7.93% Bajaj Finance Limited (02/05/2034) ** INE296A07SY5 | 1.14% |
7.64% National Bank For Agriculture and Rural Development (06/12/2029) INE261F08EJ7 | 1.14% |
7.40% National Bank For Agriculture and Rural Development (29/04/2030) ** INE261F08EL3 | 1.13% |
7.59% Indian Renewable Energy Development Agency Ltd (26/07/2034) ** INE202E08193 | 1.12% |
6.47% Indian Railway Finance Corporation Limited (30/05/2028) ** INE053F08510 | 1.11% |
7.34% REC Limited (30/04/2030) INE020B08FL9 | 1.07% |
6.60% REC Limited (30/06/2027) ** INE020B08FZ9 | 0.96% |
7.34% Small Industries Development Bank of India (26/02/2029) ** INE556F08KS8 | 0.85% |
6.90% Housing & Urban Development Corporation Limited (06/05/2030) ** INE031A08970 | 0.83% |
6.78% Indian Railway Finance Corporation Limited (30/04/2030) INE053F08494 | 0.83% |
7.38% Power Finance Corporation Limited (15/01/2032) ** INE134E08NM4 | 0.79% |
7.70% National Bank For Agriculture and Rural Development (30/09/2027) ** INE261F08EI9 | 0.74% |
7.40% Bharti Telecom Limited (01/02/2029) INE403D08298 | 0.73% |
Performance Comparison
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Investment Objective
Aditya Birla Sun Life Banking & PSU Debt Fund - Regular Plan-Growth by Aditya Birla Sun Life Mutual Fund is a Banking & PSU Debt fund that aims to generate optimal returns for investors based on its investment mandate. The fund follows a disciplined investment process aligned with SEBI regulations for the Banking & PSU Debt category.
About This Fund
Aditya Birla Sun Life Banking & PSU Debt Fund - Regular Plan-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 ₹8,978 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?
- •Investors with a high risk appetite seeking long-term wealth creation
- •Investors with an investment horizon of 5 years or more
- •SIP investors who can benefit from rupee cost averaging during market fluctuations