Previously Known As : Aditya Birla Sun Life Treasury Optimizer Plan
Aditya Birla Sun Life Banking & Psu Debt Fund Datagrid
Category Banking and PSU Fund
BMSMONEY Rank 8
Rating
Growth Option 11-12-2025
NAV ₹375.82(R) +0.01% ₹390.65(D) +0.01%
Returns 1Y 3Y 5Y 7Y 10Y
Lumpsum Regular 7.28% 7.36% 5.87% 7.21% 7.45%
Direct 7.64% 7.73% 6.23% 7.57% 7.8%
Benchmark
SIP (XIRR) Regular -9.4% 3.72% 5.55% 6.16% 6.52%
Direct -9.09% 4.09% 5.92% 6.52% 6.88%
Ratio Sharpe Ratio Sortino Ratio Sterling Ratio Jensen's Alpha Treynor Ratio
1.53 0.91 0.73 0.51% 0.02
Risk STD. Dev VaR 1Y95% Max DD Beta Semi Devi.
1.13% 0.0% -0.2% 0.87 0.77%
Fund AUM As on: 30/06/2025 8905 Cr
Top Banking and PSU Fund
Fund Name Rank Rating
ICICI Prudential Banking & PSU Debt Fund 1
Franklin India Banking & Psu Debt Fund 2
Kotak Banking And Psu Debt Fund 3
UTI Banking & PSU Fund 4
Sundaram Banking & PSU Fund 5

NAV Date: 11-12-2025

Scheme Name NAV Rupee Change Percent Change
Aditya Birla Sun Life Banking & PSU Debt Fund - REGULAR - Quarterly IDCW 103.36
0.0100
0.0100%
Aditya Birla Sun Life Banking & PSU Debt Fund - retail - quarterly IDCW 104.51
0.0100
0.0100%
Aditya Birla Sun Life Banking & PSU Debt Fund - Direct - Quarterly IDCW 105.58
0.0100
0.0100%
Aditya Birla Sun Life Banking & PSU Debt Fund - DIRECT - IDCW 110.06
0.0100
0.0100%
Aditya Birla Sun Life Banking & PSU Debt Fund - REGULAR - MONTHLY IDCW 112.94
0.0100
0.0100%
Aditya Birla Sun Life Banking & PSU Debt Fund - retail - monthly IDCW 113.69
0.0100
0.0100%
Aditya Birla Sun Life Banking & PSU Debt Fund - DIRECT - MONTHLY IDCW 117.36
0.0200
0.0100%
Aditya Birla Sun Life Banking & PSU Debt Fund - REGULAR - IDCW 154.37
0.0200
0.0100%
Aditya Birla Sun Life Banking & PSU Debt Fund - Regular Plan-Growth 375.82
0.0500
0.0100%
Aditya Birla Sun Life Banking & PSU Debt Fund- Direct Plan-Growth 390.65
0.0500
0.0100%
Aditya Birla Sun Life Banking & PSU Debt Fund - Retail Plan-Growth 564.16
0.0700
0.0100%

Review Date: 11-12-2025

Beginning of Analysis

Aditya Birla Sun Life Banking & Psu Debt Fund is the 9th ranked fund in the Banking and PSU Debt Fund category. The category has total 20 funds. The Aditya Birla Sun Life Banking & Psu Debt Fund has shown a very good past performence in Banking and PSU Debt Fund. The fund has a Jensen Alpha of 0.51% which is lower than the category average of 0.64%, showing poor performance. The fund has a Sharpe Ratio of 1.53 which is higher than the category average of 1.47.
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 0.09%, 1.56 and 2.34 in last one, three and six months respectively. In the same period the category average return was 0.14%, 1.53% and 2.42% respectively.
  • Aditya Birla Sun Life Banking & Psu Debt Fund has given a return of 7.64% in last one year. In the same period the Banking and PSU Debt Fund category average return was 7.69%.
  • The fund has given a return of 7.73% in last three years and ranked 8.0th out of 20 funds in the category. In the same period the Banking and PSU Debt Fund category average return was 7.65%.
  • The fund has given a return of 6.23% in last five years and ranked 7th out of 17 funds in the category. In the same period the Banking and PSU Debt Fund category average return was 6.18%.
  • The fund has given a return of 7.8% in last ten years and ranked 3rd out of 14 funds in the category. In the same period the category average return was 7.44%.
  • The fund has given a SIP return of -9.09% in last one year whereas category average SIP return is -9.04%. The fund one year return rank in the category is 13th in 21 funds
  • The fund has SIP return of 4.09% in last three years and ranks 8th in 20 funds. Kotak Banking And Psu Debt Fund has given the highest SIP return (4.38%) in the category in last three years.
  • The fund has SIP return of 5.92% in last five years whereas category average SIP return is 5.89%.

Aditya Birla Sun Life Banking & Psu Debt Fund Risk Analysis

  • The fund has a standard deviation of 1.13 and semi deviation of 0.77. The category average standard deviation is 1.11 and semi deviation is 0.74.
  • The fund has a Value at Risk (VaR) of 0.0 and a maximum drawdown of -0.2. The category average VaR is -0.04 and the maximum drawdown is -0.13. The fund has a beta of 0.8 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

    • Investors beware: Mutual Fund investments are subject to market risks. Please read the scheme related documents carefully.

    Data Source: www.amfiindia.com

    SEBI Categorization


    KPIs* Fund Benchmark Cat. Avg Min | Max Rank (In Cat.) Performance
    1M Return % 0.06
    0.11
    		0.01 | 0.26 16 | 21 Average
    3M Return % 1.48
    1.44
    		1.14 | 1.84 6 | 21 Very Good
    6M Return % 2.17
    2.23
    		1.81 | 2.75 14 | 21 Average
    1Y Return % 7.28
    7.29
    		6.62 | 7.76 11 | 21 Good
    3Y Return % 7.36
    7.26
    		6.86 | 7.57 6 | 20 Good
    5Y Return % 5.87
    5.79
    		5.22 | 6.99 5 | 17 Very Good
    7Y Return % 7.21
    7.03
    		6.17 | 7.87 6 | 15 Good
    10Y Return % 7.45
    7.08
    		6.44 | 7.45 1 | 14 Very Good
    15Y Return % 8.27
    7.78
    		7.05 | 8.27 1 | 3 Very Good
    1Y SIP Return % -9.40
    -9.37
    		-9.98 | -8.81 11 | 21 Good
    3Y SIP Return % 3.72
    3.65
    		3.21 | 3.97 9 | 20 Good
    5Y SIP Return % 5.55
    5.50
    		5.14 | 6.33 6 | 17 Good
    7Y SIP Return % 6.16
    6.06
    		5.57 | 6.66 5 | 15 Good
    10Y SIP Return % 6.52
    6.33
    		5.85 | 6.65 3 | 14 Very Good
    15Y SIP Return % 7.24
    6.78
    		6.29 | 7.24 1 | 4 Very Good
    Standard Deviation 1.13
    1.11
    		0.79 | 1.56 11 | 20 Average
    Semi Deviation 0.77
    0.74
    		0.50 | 1.07 12 | 20 Average
    Max Drawdown % -0.20
    -0.13
    		-0.40 | 0.00 17 | 20 Poor
    VaR 1 Y % 0.00
    -0.04
    		-0.45 | 0.00 18 | 20 Poor
    Average Drawdown % -0.15
    -0.09
    		-0.25 | 0.00 15 | 20 Average
    Sharpe Ratio 1.53
    1.47
    		1.05 | 2.12 9 | 20 Good
    Sterling Ratio 0.73
    0.72
    		0.69 | 0.76 7 | 20 Good
    Sortino Ratio 0.91
    0.94
    		0.58 | 1.41 11 | 20 Average
    Jensen Alpha % 0.51
    0.64
    		-1.66 | 2.61 11 | 20 Average
    Modigliani Square Measure % 6.88
    7.07
    		5.07 | 9.08 11 | 20 Average
    Alpha % -0.64
    -0.75
    		-1.06 | -0.41 7 | 20 Good
    Return data last Updated On : Dec. 11, 2025.
    Other parameters, fund ranking, non return related analysis are updated after every month end. Last Updated On : Nov. 28, 2025
    KPIs: Key Performance Indicators

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    KPIs* Fund Benchmark Cat. Avg Min | Max Rank (In Cat.) Performance
    1M Return % 0.09 0.14 0.04 | 0.29 17 | 21 Average
    3M Return % 1.56 1.53 1.28 | 1.93 7 | 21 Good
    6M Return % 2.34 2.42 1.94 | 2.92 14 | 21 Average
    1Y Return % 7.64 7.69 6.94 | 8.11 14 | 21 Average
    3Y Return % 7.73 7.65 7.18 | 7.94 8 | 20 Good
    5Y Return % 6.23 6.18 5.62 | 7.24 7 | 17 Good
    7Y Return % 7.57 7.41 6.37 | 8.21 7 | 15 Good
    10Y Return % 7.80 7.44 6.74 | 7.85 3 | 14 Very Good
    1Y SIP Return % -9.09 -9.04 -9.73 | -8.50 13 | 21 Average
    3Y SIP Return % 4.09 4.04 3.54 | 4.38 8 | 20 Good
    5Y SIP Return % 5.92 5.89 5.57 | 6.61 6 | 17 Good
    7Y SIP Return % 6.52 6.44 5.95 | 6.91 7 | 15 Good
    10Y SIP Return % 6.88 6.70 6.15 | 7.07 5 | 14 Good
    Standard Deviation 1.13 1.11 0.79 | 1.56 11 | 20 Average
    Semi Deviation 0.77 0.74 0.50 | 1.07 12 | 20 Average
    Max Drawdown % -0.20 -0.13 -0.40 | 0.00 17 | 20 Poor
    VaR 1 Y % 0.00 -0.04 -0.45 | 0.00 18 | 20 Poor
    Average Drawdown % -0.15 -0.09 -0.25 | 0.00 15 | 20 Average
    Sharpe Ratio 1.53 1.47 1.05 | 2.12 9 | 20 Good
    Sterling Ratio 0.73 0.72 0.69 | 0.76 7 | 20 Good
    Sortino Ratio 0.91 0.94 0.58 | 1.41 11 | 20 Average
    Jensen Alpha % 0.51 0.64 -1.66 | 2.61 11 | 20 Average
    Modigliani Square Measure % 6.88 7.07 5.07 | 9.08 11 | 20 Average
    Alpha % -0.64 -0.75 -1.06 | -0.41 7 | 20 Good
    Return data last Updated On : Dec. 11, 2025.
    Other parameters, fund ranking, non return related analysis are updated after every month end. Last Updated On : Nov. 28, 2025
    KPIs: Key Performance Indicators

    Disclaimer: Past performance may or may not be sustained in future and should not be used as a basis for comparison with other investments. Returns for periods above 1 year are annualised.

    Investment Period Invested Amount Regular Direct
    XIRR % Current Value of Invested Amount XIRR % Current Value of Invested Amount
    1Y ₹ 12000 -9.40 ₹ 11,380.43 -9.09 ₹ 11,401.38
    3Y ₹ 36000 3.72 ₹ 38,107.62 4.09 ₹ 38,318.40
    5Y ₹ 60000 5.55 ₹ 69,039.90 5.92 ₹ 69,682.80
    7Y ₹ 84000 6.16 ₹ 104,566.48 6.52 ₹ 105,947.10
    10Y ₹ 120000 6.52 ₹ 167,787.12 6.88 ₹ 170,972.16
    15Y ₹ 180000 7.24 ₹ 319,196.88 ₹


    Date Aditya Birla Sun Life Banking & Psu Debt Fund NAV Regular Growth Aditya Birla Sun Life Banking & Psu Debt Fund NAV Direct Growth
    11-12-2025 375.825 390.6522
    10-12-2025 375.7796 390.6014
    09-12-2025 376.2565 391.0934
    08-12-2025 376.754 391.6069
    05-12-2025 376.7899 391.6333
    04-12-2025 376.4441 391.2702
    03-12-2025 376.4518 391.2745
    02-12-2025 376.4506 391.2697
    01-12-2025 376.3724 391.1848
    28-11-2025 376.5556 391.3642
    27-11-2025 376.6026 391.4095
    26-11-2025 376.5772 391.3794
    25-11-2025 376.3303 391.1191
    24-11-2025 376.1279 390.9051
    21-11-2025 375.9289 390.6874
    20-11-2025 375.9916 390.7489
    19-11-2025 375.9575 390.7098
    18-11-2025 375.7674 390.5086
    17-11-2025 375.6178 390.3495
    14-11-2025 375.6176 390.3384
    13-11-2025 375.6834 390.4032
    12-11-2025 375.7004 390.4172
    11-11-2025 375.5888 390.2976

    Fund Launch Date: 01/Jan/2000
    Fund Category: Banking and PSU Fund
    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.
    Fund Description: ABSL Banking and PSU Debt Fund is an income generating scheme investing in a portfolio of securities issued by government owned entities like PSUs & PFIs which makes the portfolio highly credit worthy.
    Fund Benchmark: CRISIL Short Term Bond Fund Index
    Source: Fund FactSheet

    Disclaimer: NO INVESTMENT ADVICE. The Content is for informational purposes only.