Aditya Birla Sun Life Banking & Psu Debt Fund

Review Date: 11-04-2025

Beginning of Analysis

Aditya Birla Sun Life Banking & Psu Debt Fund is the 4th ranked fund in the Banking and PSU Debt Fund category. The category has total 19 funds. The 5 star rating shows an excellent past performance of the Aditya Birla Sun Life Banking & Psu Debt Fund in Banking and PSU Debt Fund. The fund has a Jensen Alpha of 2.25% which is higher than the category average of 1.9%. Here the fund has shown good performance in terms of risk adjusted returns. The fund has a Sharpe Ratio of -0.11 which is lower than the category average of -0.2.
The past performance of the fund may or may not be sustained in the future. The review is not investment advice nor is it a recommendation to buy or sell funds. The ranking is based on proprietary methodology developed by bmsmoney. The methodology is based on the past performance of the funds and does not guarantee future performance.
Banking and PSU Debt Mutual Funds are a category of debt mutual funds that invest primarily in debt instruments issued by banks, public sector undertakings (PSUs), and public financial institutions. These funds must allocate a minimum of 80% of their total assets in debt securities issued by these entities. Banking and PSU Debt Mutual Funds are ideal for conservative investors seeking stable returns with relatively lower risk. However, they may not be suitable for those looking for higher returns or willing to take on more risk. Investors should also consider their investment horizon and tax implications before investing in these funds.

Aditya Birla Sun Life Banking & Psu Debt Fund Return Analysis

• The fund has given a return of 1.98%, 3.16 and 4.59 in last one, three and six months respectively. In the same period the category average return was 1.88%, 3.06% and 4.5% respectively.
• The fund has given a return of 7.3% in last three years and ranked 7.0th out of 19 funds in the category. In the same period the Banking and PSU Debt Fund category average return was 7.27%.
• The fund has given a return of 7.28% in last five years and ranked 5th out of 15 funds in the category. In the same period the Banking and PSU Debt Fund category average return was 7.07%.
• The fund has given a return of 7.92% in last ten years and ranked 3rd out of 13 funds in the category. In the same period the category average return was 7.53%.
• The fund has given a SIP return of -6.85% in last one year whereas category average SIP return is -7.02%. The fund one year return rank in the category is 9th in 22 funds
• The fund has SIP return of 6.57% in last three years and ranks 8th in 19 funds. Dsp Banking & Psu Debt Fund has given the highest SIP return (6.77%) in the category in last three years.
• The fund has SIP return of 6.61% in last five years whereas category average SIP return is 6.52%.

Aditya Birla Sun Life Banking & Psu Debt Fund Risk Analysis

• The fund has a standard deviation of 1.03 and semi deviation of 0.78. The category average standard deviation is 1.34 and semi deviation is 0.96.
• The fund has a Value at Risk (VaR) of 0.0 and a maximum drawdown of -0.44. The category average VaR is -0.37 and the maximum drawdown is -0.87. The fund has a beta of 0.61 which shows that fund is less volatile than the benchmark.

Standard deviation measures the fund's return volatility and Semi deviation focuses on downside volatility. Value at Risk (VaR) is a measure of the risk of investments. Maximum Drawdown is the maximum loss from a peak to a trough of a portfolio. Beta measures the volatility of the fund compared to the benchmark. A beta of 1 indicates that the fund will move in line with the benchmark. A beta of more than 1 indicates that the fund will be more volatile than the benchmark and vice versa.

Very Good Performance in Banking and PSU Debt Fund Category

Good Performance in Banking and PSU Debt Fund Category

Poor Performance in Banking and PSU Debt Fund Category

Very Poor Performance in Banking and PSU Debt Fund Category