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  • Aditya Birla Sun Life Banking & PSU Debt Fund Inc Dist cum Cap Wdrl (RIDCW-15D)

Formerly Aditya BSL Trs Optimizer Reg DR

Aditya Birla Sun Life Mutual Fund

Aditya Birla Sun Life Banking & PSU Debt Fund Inc Dist cum Cap Wdrl (RIDCW-15D)

DebtBanking And Psu

Top Ranked

164.3543

NAV (Oct 26)

7.4%
3 Year CAGR
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

15,544 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.

  • graph-icon-gray
    Historical growth rate of 6.5% per annum
  • graph-icon-gray
    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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Historical NAV

164.3543

NAV (Oct 26)

Fund Returns

Last 1Y
4.2%
Last 3Y
7.4%
Last 5Y
6.7%
Last 10Y
8.1%
Since Inception
7.5%
6 Month CAGR
2.5%
info-icon-blue

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

risk-indicator-arrow.svg

Moderate Risk

Expense Ratio
0.67
Launched (13y ago)
May 09, 2008
AUM in Crores
15543.284
ISIN
INF209KA11Z3
Lock-in
No Lock-in
Benchmark
NIFTY Banking & PSU Debt TR INR
SIP Minimum
1000
Lumpsum Min.
5000
Fund Managers
user-avatar

Harshil Suvarnkar

Fund Manager

user-avatar

Kaustubh Gupta

Fund Manager

calculator

Returns Calculator Comparison

of

for

with step up of

InstrumentReturnsTotal CorpusGainsAnnualised %
Mutual Fund70%₹ 9,65,796 ₹ 2,33,18411.25%
EPF70% ₹ 9,00,761 ₹ 1,68,1498.50%
Property70% ₹ 8,67,662 ₹ 1,35,0507.00%
PPF70% ₹ 8,69,819 ₹ 1,37,2077.10%
Bank FD70% ₹ 8,46,471 ₹ 1,13,8596.00%
Gold70% ₹ 8,46,471 ₹ 1,13,8596.00%
Savings Bank70% ₹ 8,25,950 ₹ 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
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    One click investing tracking
comparison

Comparison with Debt Funds

Fund NameScripbox OpinionFund SizeTrack Record
Kotak Savings Fund (G)

Kotak Savings Fund (G)

recommended-badge

₹ 13,509 cr

5

recommended-badge

₹ 33,192 cr

5

recommended-badge

₹ 11,590 cr

5

recommended-badge

₹ 33,722 cr

5

recommended-badge

₹ 22,849 cr

5

amc-icon

About the AMC

Aditya Birla Sun Life AMC Ltd

Aditya Birla Sun Life AMC Ltd manages assets worth 313,741 crores and was set up on 5 September 1994. It's current offering of mutual fund schemes includes 83 equity,329 debt and 19 hybrid funds.

amc-img

  • tel-amc-about
    022-43568000
  • mail-amc-about
    care.mutualfunds@adityabirlacapital.com
  • Fund NameScripbox Opinion
    Till Date CAGR
    recommended-badge

    22.1%

    15.2%

    recommended-badge

    5%

    7.1%

    top-ranked-badge

    5%

    6.9%

    top-ranked-badge

    5%

    7.2%

    top-ranked-badge

    4.9%

    6.8%

    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 4-step 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.

    Fund Size

    Fund Size

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

    Sub-asset Class View

    Sub-asset Class View

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

    Fund Performance

    Fund 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.

    Fund Size

    Fund 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 Attractiveness

    Credit Attractiveness

    We check the credit quality of the underlying instruments present in the fund. Higher the better.

    Equity Funds

    Debt Funds

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    TRUST

    1. 4100+Crores
    2. 2500+Cities
    3. 7200+Customers are millionaires
    We thrive on trust.

    We match your objectives to the right portfolio. World-class wealth management using science, data and technology, leveraged by our experience, and human touch. Get started with your wealth creation without worry.

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    Investing has helped me dream bigger for my life
    Dr. Shraddha BahirwaniSr. Dental Consultant

    About Aditya Birla Sun Life Banking & PSU Debt Fund Inc Dist cum Cap Wdrl (RIDCW-15D)

    About Aditya Birla Sun Life Banking & PSU Debt Fund Inc Dist cum Cap Wdrl (RIDCW-15D)

    Aditya Birla Sun Life Banking & PSU Debt Fund Inc Dist cum Cap Wdrl (RIDCW-15D) is a Banking And Psu Debt fund and has delivered an annualised return of 7.5% over a period of 13 years. The fund was previously known as Aditya BSL Trs Optimizer Reg DR . The fund is managed by Aditya Birla Sun Life AMC Ltd. The fund managers are Harshil Suvarnkar, Kaustubh Gupta

    Aditya Birla Sun Life Banking & PSU Debt Fund Inc Dist cum Cap Wdrl (RIDCW-15D) 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 Inc Dist cum Cap Wdrl (RIDCW-15D) NAV,AUM,Risk

    The Aditya Birla Sun Life Banking & PSU Debt Fund Inc Dist cum Cap Wdrl (RIDCW-15D) fund was launched on May 09, 2008. The NAV (Net Asset Value) of this Banking And Psu Debt fund as of 2021-10-26 is ₹164.35. The total AUM (Asset Under Management) of the fund as of 27/10/2021 is ₹15543.284. The category risk of the Aditya Birla Sun Life Banking & PSU Debt Fund Inc Dist cum Cap Wdrl (RIDCW-15D) fund is Moderate Risk. The fund charges 0.67 % as expense ratio.

    Aditya Birla Sun Life Banking & PSU Debt Fund Inc Dist cum Cap Wdrl (RIDCW-15D) Holdings

    The fund’s highest allocation is towards Debt and has invested 81.9% in this asset class. The top three holdings of the fund are , net receivables / (payables) , national bank for agriculture and rural development , axis bank limited , power finance corporation limited , govt stock , axis bank limited , indian oil corporation limited , housing and urban development corporation limited , power finance corporation limited , national bank for agriculture and rural development , state bank of india , state bank of india , 8.15% govt stock 2026 , 8.24% govt stock 2027 , housing and urban development corporation limited (hudco) , axis bank limited , rural electrification corporation limited , national bank for agriculture and rural development , housing and urban development corporation limited , power finance corporation limited , hdb financial services limited , national bank for agriculture and rural development , national highways authority of india , rec limited , small industries development bank of india , 6.90% oil mktg cos goi sb 2026 , national bank for agriculture and rural development , national highways authority of india , state bank of india , housing and urban development corporation limited (hudco) , power grid corporation of india limited , sikka ports & terminals limited , clearing corporation of india limited , state bank of india , state bank of india , bank of baroda , mahindra & mahindra financial services limited , rural electrification corporation limited , housing and urban development corporation limited (hudco) , axis finance limited , state bank of india , national bank for agriculture and rural development , 8.22% tamil nadu sdl 2025 , indian oil corporation limited , icici bank limited , l&t infrastructure finance company limited , rural electrification corporation limited , rural electrification corporation limited , indusind bank limited , national bank for agriculture and rural development , idfc first bank limited , hdfc bank limited , idfc first bank limited , mahindra & mahindra financial services limited , export-import bank of india , axis bank limited , indian oil corporation limited , rec limited , 8.83% govt stock 2023 , nabha power limited , sundaram home finance limited , indian railway finance corporation limited , bank of baroda , housing and urban development corporation limited , axis bank limited , rural electrification corporation limited , rural electrification corporation limited , 6.84% govt stock 2022 , small industries development bank of india , mangalore refinery & petrochemicals ltd. , 182 dtb 02122021 , rural electrification corporation limited , national highways authority of india , export-import bank of india , power grid corporation of india limited , small industries development bank of india , national highways authority of india , hdfc credila financial services private limited , national housing bank , 8.62% maharashtra sdl 2023 , power finance corporation limited , tata capital housing finance limited , ntpc limited , power finance corporation limited , indian oil corporation limited , 8.29% andhra pradesh sdl 2026 , rural electrification corporation limited , 7.68% govt stock 2023 , rural electrification corporation limited , l&t infrastructure finance company limited , axis finance limited , idfc first bank limited , national bank for agriculture and rural development , icici bank limited , hdb financial services limited , indian oil corporation limited , mangalore refinery & petrochemicals limited , national bank for agriculture and rural development , ntpc limited , national housing bank , mahindra & mahindra financial services limited , l&t infrastructure finance company limited , aditya birla finance limited , national bank for agriculture and rural development , indian bank , 8.33% govt stock 2026 , national highways authority of india , hindustan petroleum corporation limited , ongc petro additions limited , rec limited , power finance corporation limited , hdb financial services limited , summit digitel infrastructure private limited , hdfc bank limited , power finance corporation ltd. , rural electrification corporation limited , rural electrification corporation limited , power finance corporation limited , national bank for agriculture and rural development , sundaram home finance limited , rural electrification corporation limited , tata capital financial services limited , export-import bank of india , bajaj housing finance limited , 6.17% govt stock 2023 , hdb financial services limited , power finance corporation limited , power finance corporation limited , oil& natural gas corporation limited , power finance corporation limited , mangalore refinery & petrochemicals limited , rural electrification corporation limited , export-import bank of india , 8.64% andhra pradesh sdl 2023 , 7.62% ka sdl 2027 , rec limited , 7.65% tn sdl 2027 , rural electrification corporation limited , 8.16% kerala sdl 2025 , power finance corporation limited , 8.52% telangana sdl 2026 , rural electrification corporation limited , national bank for agriculture and rural development , power grid corporation of india limited , allahabad bank , bajaj finance limited , national highways authority of india , housing and urban development corporation limited , power finance corporation limited , housing development finance corporation limited , lic housing finance limited , india grid trust , 7.56% up sdl 2027 , india grid trust , bharat petroleum corporation limited , rural electrification corporation limited , rural electrification corporation limited , indian railway finance corporation limited , power finance corporation limited , hdfc bank limited , 06.98 mh sdl 2028 , indusind bank limited , idfc first bank limited , power grid corporation of india limited , pipeline infrastructure private limited , power finance corporation limited , niif infrastructure finance limited , 7.32% govt stock 2024 , 6.97% govt stock 2026 , 06.70 tn sdl 2024 , 8.13% govt stock 2022 , kotak mahindra prime limited , 06.87 mh sdl 2030 , rec limited , indian railway finance corporation limited , 8.57% andhra pradesh sdl 2026 , rural electrification corporation limited , lic housing finance limited , rec limited , 8.96% maharashtra sdl 2024 , 0% goi - 15062024 strips , nuclear power corporation of india limited , power finance corporation limited , national bank for agriculture and rural development , rural electrification corporation limited , 8.99% madhya pradesh sdl 2024 , 8.96% tamil nadu sdl 2024 , indian railway finance corporation limited , 8.38% tamil nadu sdl 2026 , nhpc limited (national hydroelectric power corporation limited) , bank of baroda , export-import bank of india , 8.86% tamil nadu sdl 2022 , nhpc limited , export-import bank of india , nhpc limited , hindustan petroleum corporation limited , rural electrification corporation limited , nhpc limited , power finance corporation limited , indian railway finance corporation limited , housing and urban development corporation limited , icici bank limited , national bank for agriculture and rural development , rec limited , indian railway finance corporation limited , 4.26% govt stock 2023 , power grid corporation of india limited , gs cg 23/6/2024 - (strips) tb , 5.22% goi 2025 , 9.01% gujarat sdl 2024 , gs cg 23/12/2024 - (strips) tb , 0% goi - 15122024 strips , indian railway finance corporation limited , national bank for agriculture and rural development , 7.17% govt stock 2028 , 7.27% govt stock 2026 , power grid corporation of india limited

    Aditya Birla Sun Life Banking & PSU Debt Fund Inc Dist cum Cap Wdrl (RIDCW-15D) Sip

    The minimum SIP (Systematic Investment Plan) amount for this is ₹1000 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 Inc Dist cum Cap Wdrl (RIDCW-15D) 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 Inc Dist cum Cap Wdrl (RIDCW-15D) Review

    Aditya Birla Sun Life Banking & PSU Debt Fund Inc Dist cum Cap Wdrl (RIDCW-15D) has a score of 4 on a scale of 5. The fund has a score of 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 Inc Dist cum Cap Wdrl (RIDCW-15D) has a score of 5out of 5 The credit risk of the fund is 4 out of 5 as compared to other debt funds.

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