• Mutual Funds
  • Aditya Birla Sun Life Mutual Fund
  • Aditya Birla Sun Life Banking & PSU Debt Fund Retail Inc Dist cum Cap Wdrl (Dividend Payout - Quarterly)

Formerly Aditya BSL Trs Optimizer Retl Qt DP

Aditya Birla Sun Life Mutual Fund

Aditya Birla Sun Life Banking & PSU Debt Fund Retail Inc Dist cum Cap Wdrl (Dividend Payout - Quarterly)

DebtBanking And Psu

Top Ranked

113.0556

NAV (Nov 29)

7.4%
3 Year CAGR
Scripbox Opinion

Not Reviewed yet

Our analysis of this fundLearn how we rate funds ->

Track Record

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

Relative Size

17,863 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

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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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Historical NAV

113.0556

NAV (Nov 29)

Fund Returns

Last 1Y

3.6%

Last 3Y

7.4%

Last 5Y

5.4%

Last 10Y

7.1%

Since Inception

6.8%

6 Month CAGR

2.1%

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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

Moderate Risk

Expense Ratio

0.7

Launched (14y ago)

Jul 19, 2007

AUM in Crores

17862.725

ISIN

INF209K01LS6

Lock-in

No Lock-in

Benchmark

NIFTY Banking & PSU Debt TR INR

SIP Minimum

0

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
  • One click investing  tracking
    One click investing tracking
comparison

Comparison with Debt Funds

Fund NameScripbox OpinionFund SizeTrack Record
Kotak Savings Fund (G)

Kotak Savings Fund (G)

₹ 13,499 cr

5

₹ 33,567 cr

5

₹ 11,691 cr

5

₹ 27,296 cr

5

₹ 31,118 cr

5

amc-icon

About the AMC

Aditya Birla Sun Life AMC Ltd

Aditya Birla Sun Life AMC Ltd manages assets worth 316,588 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

    18%

    14.6%

    4.9%

    7.1%

    4.9%

    6.8%

    4.9%

    7.2%

    4.8%

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

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

    Aditya Birla Sun Life Banking & PSU Debt Fund Retail Inc Dist cum Cap Wdrl (D-Q) is a Banking And Psu Debt fund and has delivered an annualised return of 6.8% over a period of 14 years. The fund was previously known as Aditya BSL Trs Optimizer Retl Qt DP . 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 Retail Inc Dist cum Cap Wdrl (D-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 Retail Inc Dist cum Cap Wdrl (D-Q) NAV,AUM,Risk

    The Aditya Birla Sun Life Banking & PSU Debt Fund Retail Inc Dist cum Cap Wdrl (D-Q) fund was launched on Jul 19, 2007. The NAV (Net Asset Value) of this Banking And Psu Debt fund as of 2021-11-29 is ₹113.06. The total AUM (Asset Under Management) of the fund as of 29/11/2021 is ₹17862.725. The category risk of the Aditya Birla Sun Life Banking & PSU Debt Fund Retail Inc Dist cum Cap Wdrl (D-Q) fund is Moderate Risk. The fund charges 0.7 % as expense ratio.

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

    The fund’s highest allocation is towards Debt and has invested 77.6% in this asset class. The top three holdings of the fund are , clearing corporation of india limited , national bank for agriculture and rural development , axis bank limited , axis bank limited , power finance corporation limited , govt stock , net receivables / (payables) , indian oil corporation limited , housing and urban development corporation limited , power finance corporation limited , 6.84% govt stock 2022 , national bank for agriculture and rural development , state bank of india , state bank of india , housing and urban development corporation limited (hudco) , 8.24% govt stock 2027 , 8.15% govt stock 2026 , axis bank limited , rural electrification corporation limited , bajaj finance limited , national bank for agriculture and rural development , housing and urban development corporation limited , hdfc bank limited , rural electrification corporation limited , rural electrification corporation limited , rec limited , hdb financial services limited , power finance corporation limited , national bank for agriculture and rural development , national highways authority of india , export-import bank of india , small industries development bank of india , 5.09% govt stock 2022 , national highways authority of india , national bank for agriculture and rural development , tata capital financial services limited , state bank of india , bank of baroda , 6.90% oil mktg cos goi sb 2026 , sikka ports & terminals limited , state bank of india , state bank of india , housing and urban development corporation limited (hudco) , 5.63% govt stock 2026 , axis bank limited , indusind bank limited , idfc first bank limited , rural electrification corporation limited , rec limited , mahindra & mahindra financial services limited , indian oil corporation limited , icici bank limited , l&t infrastructure finance company limited , rural electrification corporation limited , rural electrification corporation limited , power grid corporation of india limited , 8.22% tamil nadu sdl 2025 , power finance corporation limited , indian oil corporation limited , national bank for agriculture and rural development , state bank of india , axis finance limited , rural electrification corporation limited , housing and urban development corporation limited (hudco) , nabha power limited , axis bank limited , axis bank limited , housing and urban development corporation limited , 6.67% govt stock 2035 , national bank for agriculture and rural development , 8.83% govt stock 2023 , idfc first bank limited , rural electrification corporation limited , bank of baroda , mahindra & mahindra financial services limited , sundaram home finance limited , power grid corporation of india limited , small industries development bank of india , rural electrification corporation limited , small industries development bank of india , mangalore refinery & petrochemicals ltd. , indian railway finance corporation limited , national housing bank , small industries development bank of india , export-import bank of india , idfc first bank limited , hdfc credila financial services private limited , 8.62% maharashtra sdl 2023 , tata capital housing finance limited , ntpc limited , national highways authority of india , export-import bank of india , 8.29% andhra pradesh sdl 2026 , rural electrification corporation limited , 7.68% govt stock 2023 , rural electrification corporation limited , icici bank limited , l&t infrastructure finance company limited , national highways authority of india , axis finance limited , national bank for agriculture and rural development , power finance corporation limited , indian oil corporation limited , mangalore refinery & petrochemicals limited , hdb financial services limited , 8.35% govt stock 2022 , national bank for agriculture and rural development , ntpc limited , national housing bank , mahindra & mahindra financial services limited , national highways authority of india , indian bank , l&t infrastructure finance company limited , aditya birla finance limited , national bank for agriculture and rural development , 8.33% govt stock 2026 , power finance corporation limited , hindustan petroleum corporation limited , ongc petro additions limited , rec limited , national housing bank , power finance corporation limited , hdfc bank limited , power finance corporation limited , indian railway finance corporation limited , rural electrification corporation limited , rural electrification corporation limited , power finance corporation limited , bharat petroleum corporation limited , india grid trust , 7.56% up sdl 2027 , india grid trust , lic housing finance limited , housing development finance corporation limited , power finance corporation limited , housing and urban development corporation limited , national highways authority of india , power grid corporation of india limited , 8.16% kerala sdl 2025 , power finance corporation limited , 8.52% telangana sdl 2026 , rural electrification corporation limited , allahabad bank , national bank for agriculture and rural development , 8.64% andhra pradesh sdl 2023 , 7.65% tn sdl 2027 , rec limited , 7.62% ka sdl 2027 , export-import bank of india , rural electrification corporation limited , rural electrification corporation limited , power finance corporation limited , power finance corporation limited , power finance corporation limited , hdb financial services limited , hdb financial services limited , 6.17% govt stock 2023 , bajaj housing finance limited , tata capital financial services limited , export-import bank of india , sundaram home finance limited , rural electrification corporation limited , national bank for agriculture and rural development , rural electrification corporation limited , rural electrification corporation limited , power finance corporation limited , hdfc bank limited , oil& natural gas corporation limited , summit digitel infrastructure private limited , 06.98 mh sdl 2028 , 7.27% govt stock 2026 , power grid corporation of india limited , rural electrification corporation limited , pipeline infrastructure private limited , idfc first bank limited , niif infrastructure finance limited , 6.97% govt stock 2026 , 06.70 tn sdl 2024 , 8.13% govt stock 2022 , kotak mahindra prime limited , rec limited , indian railway finance corporation limited , 8.57% andhra pradesh sdl 2026 , rural electrification corporation 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 , indian railway finance corporation limited , 8.96% tamil nadu sdl 2024 , 8.99% madhya pradesh sdl 2024 , power grid corporation of india 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 , nhpc limited , rural electrification corporation limited , indian railway finance corporation limited , housing and urban development corporation limited , national bank for agriculture and rural development , power finance corporation limited , rec limited , icici bank limited , indian railway finance corporation limited , 4.26% govt stock 2023 , power grid corporation of india limited , indusind bank limited , power finance corporation limited

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

    The minimum SIP (Systematic Investment Plan) amount for this is ₹null 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 Retail Inc Dist cum Cap Wdrl (D-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 Retail Inc Dist cum Cap Wdrl (D-Q) Review

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