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  • Aditya Birla Sun Life AMC Ltd
  • Aditya Birla Sun Life Banking & PSU Debt Fund (Dividend Reinvestment - Quarterly)

Formerly Aditya BSL Trs Optimizer Reg Qt DR

Aditya Birla Sun Life Banking & PSU Debt Fund (Dividend Reinvestment - Quarterly)

Aditya Birla Sun Life Banking & PSU Debt Fund (Dividend Reinvestment - Quarterly)

DebtBanking And Psu

Top Ranked

109.8551

NAV (Mar 05)

Scripbox Opinion

Top Ranked

These are the top-ranked funds within banking and psu mutual funds.However, Scripbox does not recommend investing in banking and psu mutual funds.Banking and PSU Funds are mandated to invest a minimum of 80% of total assets in debt instruments issued by Banks, Public Sector Undertakings and Public Financial Institutions.

They tend to invest in medium to long duration securities and hence are exposed to higher variations when interest rates change.

The category accounts for close to 8% of the total assets in the Debt Segment.

We assess the credit quality of funds in this category as relatively poor.We do not recommend funds in this category since we believe that the potential incremental return is not justified by the higher credit risk and higher interest rate risk.

Scripbox does not recommend investing in the dividend option of a fund because dividends are taxable at a higher rate than withdrawals.

Our analysis of this fundLearn how we rate funds ->

Track Record

13 Years. The Fund has Sufficient history for analysis and the track record is good.

Relative Size

16,148 Cr. Category leader in size

Impact of Interest Rate Changes

High Interest Rate Risk. The impact on fund value is high when interest rates change

Credit Quality Of Fund's Portfolio

Low Credit Risk. The fund has a high credit quality compared to other debt funds

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Short Term Money

Short Term Money

Invest in a scientifically curated set of debt mutual funds which are best aligned towards achieving any short term objectives you may have.

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    Historical growth rate of 6.5% per annum
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    Recommended Duration 1 - 5 years
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    No Lock-in
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    Expert Investing Only, Car, Down Payment

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Scheme Information

Investment Objective

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.

Low

Low to Moderate

Moderate

Moderately High

High

Very High

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Moderate Risk

0.68 %

Expense Ratio

Jul 24, 2008

Launched (13y ago)

₹ 16,148

AUM in Crores

ISIN

No Lock-in

Lock-in

NIFTY Banking & PSU Debt TR INR

Benchmark

₹ 0

SIP Minimum

₹ 5,000

Lumpsum Min.

Fund Managers
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Kaustubh Gupta

Fund Manager

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Maneesh Dangi

Fund Manager

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Pranay Sinha

Fund Manager

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Returns Calculator Comparison

of

for

with step up of

InstrumentReturnsTotal CorpusGainsAnnualised %
Mutual Fund70%₹ 965,796 ₹ 233,18411.25%
EPF70% ₹ 900,761 ₹ 168,1498.50%
Property70% ₹ 867,662 ₹ 135,0507.00%
PPF70% ₹ 869,819 ₹ 137,2077.10%
Bank FD70% ₹ 846,471 ₹ 113,8596.00%
Gold70% ₹ 846,471 ₹ 113,8596.00%
Savings Bank70% ₹ 825,950 ₹ 93,3385.00%

Disclaimer: Products compared like fixed deposits may provide fixed guaranteed returns. Mutual Funds investments are subject to market risk, read all scheme related documents carefully before investing. Past performance is not an indicator of future returns.

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Short Term Money

Invest in a scientifically curated set of debt mutual funds which are best aligned towards achieving any short term objectives you may have.

  • Inflation beating returns
    Inflation beating returns
  • Expert Investing Only, Car, Down Payment
    Expert Investing Only, Car, Down Payment
  • One click investing  tracking
    One click investing tracking
comparison

Comparison with Debt Funds

Kotak Savings Fund (G)

Kotak Savings Fund (G)

Ultra Short

Recommended

Top Ranked

17 Years

Age

5

Track Record

Aditya Birla Sun Life Liquid (G)

Aditya Birla Sun Life Liquid (G)

Liquid

Recommended

Top Ranked

17 Years

Age

5

Track Record

SBI Magnum Ultra Short Duration Fund (G)

SBI Magnum Ultra Short Duration Fund (G)

Ultra Short

Recommended

Top Ranked

22 Years

Age

5

Track Record

ICICI Prudential Savings Fund (G)

ICICI Prudential Savings Fund (G)

Low Duration

Recommended

Top Ranked

19 Years

Age

5

Track Record

Nippon India Liquid Fund (G)

Nippon India Liquid Fund (G)

Liquid

Recommended

Top Ranked

18 Years

Age

5

Track Record

amc-icon

About the AMC

Aditya Birla Sun Life AMC Ltd

Aditya Birla Sun Life AMC Ltd manages assets worth 259,898 crores and was set up on 5 September 1994. It's current offering of mutual fund schemes includes 77 equity,329 debt and 28 hybrid funds.

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  • tel-amc-about
    022-43568000
  • mail-amc-about
    care.mutualfunds@adityabirlacapital.com
  • Aditya Birla Sun Life Liquid (G)

    Aditya Birla Sun Life Liquid (G)

    Liquid

    Recommended

    Top Ranked

    ₹ 31,305 Cr

    Fund Size

    5.9%

    3Y returns

    Aditya Birla Sun Life Liquid Fund Institutional (G)

    Aditya Birla Sun Life Liquid Fund Institutional (G)

    Liquid

    Top Ranked

    ₹ 31,305 Cr

    Fund Size

    5.9%

    3Y returns

    Aditya Birla Sun Life Liquid Fund Retail (G)

    Aditya Birla Sun Life Liquid Fund Retail (G)

    Liquid

    Top Ranked

    ₹ 31,305 Cr

    Fund Size

    5.9%

    3Y returns

    Aditya Birla Sun Life Liquid Discipline Advantage Plan (G)

    Aditya Birla Sun Life Liquid Discipline Advantage Plan (G)

    Liquid

    Top Ranked

    ₹ 31,305 Cr

    Fund Size

    5.9%

    3Y returns

    Aditya Birla Sun Life Liquid fund (DR-A)

    Aditya Birla Sun Life Liquid fund (DR-A)

    Liquid

    Top Ranked

    ₹ 31,305 Cr

    Fund Size

    5.9%

    3Y returns

    growth

    Short Term Money

    Invest in a scientifically curated set of debt mutual funds which are best aligned towards achieving any short term objectives you may have.

    • graph-icon-gray
      Historical growth rate of 6.5% per annum
    • graph-icon-gray
      Recommended Duration 1 - 5 years
    • graph-icon-gray
      No Lock-in
    • graph-icon-gray
      Expert Investing Only, Car, Down Payment
    • graph-icon-gray
      One-click investing and tracking
    • graph-icon-gray
      Zero fees for all your investments
    Kotak Savings Fund (Growth)

    Kotak Savings Fund (Growth)

    Debt

    Ultra Short

    ICICI Prudential Savings Fund (Growth)

    ICICI Prudential Savings Fund (Growth)

    Debt

    Low Duration

    Tata Liquid Fund (Growth)

    Tata Liquid Fund (Growth)

    Debt

    Liquid

    How does Scripbox rate funds?

    Proprietary system to rate mutual funds

    We use a proprietary system to rate mutual funds and based on that make a recommendation or rate the fund as top ranked.

    What Scripbox recommendations mean?
    Scripbox algorithm recommends 2-4 funds for investment for an investment asset class such as large cap, diversified, liquid etc. When you invest for an objective, the algorithm suggests the appropriate asset class and funds.
    Track Record

    Track Record

    We look at consistent and long historical performance for our analysis.

    Relative Size

    Relative Size

    We look at the size of the fund with respect to other funds in the category. Larger funds are preferred.

    Category View

    Category View

    We check if the sub-category of the fund is recommended by us.

    Consistency Of Performance

    Consistency Of Performance

    Consistency of performance over various tenures is analysed for a relative performance stack.

    Track Record

    Track Record

    We look at consistent and long historical performance for our analysis.

    Relative Size

    Relative Size

    We look at the size of the fund with respect to other funds in the category. Larger funds are preferred.

    Impact of Interest Rates

    Impact of Interest Rates

    We check the relative interest rate risk of the sub-category of the fund. Lower the better.

    Credit Quality Of Fund’s Portfolio

    Credit Quality Of Fund’s Portfolio

    We check the relative interest rate risk of the sub-category of the fund. Lower the better.

    Equity Funds

    Debt Funds

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    About Aditya Birla Sun Life Banking & PSU Debt Fund (DR-Q)

    About Aditya Birla Sun Life Banking & PSU Debt Fund (DR-Q)

    Aditya Birla Sun Life Banking & PSU Debt Fund (DR-Q) is a banking and psu debt fund and has delivered an annualised return of 7.0% over a period of 13 years .The fund was previously known as Aditya BSL Trs Optimizer Reg Qt DR.The fund is managed by Aditya Birla Sun Life AMC Ltd.The fund managers are Kaustubh Gupta, Maneesh Dangi, Pranay Sinha

    Aditya Birla Sun Life Banking & PSU Debt Fund (DR-Q) Investment Objective

    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. However, there is no assurance that the objective of the scheme will be realized.

    Aditya Birla Sun Life Banking & PSU Debt Fund (DR-Q) NAV,AUM,Risk

    The Aditya Birla Sun Life Banking & PSU Debt Fund (DR-Q) fund was launched on Jul 24, 2008. The NAV (Net Asset Value) of this banking and psu debt as of 2021-03-05 is ₹ 109.8551. The total AUM (Asset Under Management) of the fund as of 2021-03-07 is ₹ 16147.905. The category risk of the Aditya Birla Sun Life Banking & PSU Debt Fund (DR-Q) fund is Moderate Risk. The fund charges 0.68 % as expense ratio.

    Aditya Birla Sun Life Banking & PSU Debt Fund (DR-Q) Holdings

    The fund’s highest allocation is towards debt and has invested 88.3% in this asset class. The top three holdings of the fund are national bank for agriculture and rural development,8.24% govt stock 2027 and national bank for agriculture and rural development

    Aditya Birla Sun Life Banking & PSU Debt Fund (DR-Q) SIP

    The minimum SIP (Systematic Investment Plan) amount for this is ₹ 0 and you can increase this in multiples of ₹ 100. In case you want to invest a lump sum, the minimum amount to be invested is ₹ 5000.

    Aditya Birla Sun Life Banking & PSU Debt Fund (DR-Q) Investment volatility and Horizon

    This fund is suited for investors looking to invest for 1-4 years. The asset class is less volatile than equity and the fund is likely to provide stable but slow growth. The fund is benchmarked to NIFTY Banking & PSU Debt TR INR.

    Aditya Birla Sun Life Banking & PSU Debt Fund (DR-Q) Review

    Aditya Birla Sun Life Banking & PSU Debt Fund (DR-Q) has a score of 4 on a scale of 5. The fund scores 4 out of 5 based on historical performance. As compared to the other funds in its category, Aditya Birla Sun Life Banking & PSU Debt Fund (DR-Q) has a score of 5 out of 5. The credit risk of the fund is 4 out of 5 as compared to other debt funds.

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