Debt Banking and PSU Fund Moderate Risk Fund Managers: Dhawal Dalal, Kedar Karnik
Debt Banking and PSU Fund Moderate Risk
The investment objective of the Scheme is to generate returns commensurate with risks of investing in a portfolio of Debt Securities and Money Market Instruments issued by Banks, Public Sector Undertakings, Public Financial Institutions, entities majorly owned by Central and State Governments and Municipal Bonds. However, there can be no assurance that the investment objective of the scheme will be realized.
Expert-managed portfolios tailored to your financial goals.
Estimation is based on the past performance
| Banking and PSU Fund | 1M | 3M | 6M | 9M | 1Y | 2Y | 3Y | 4Y | 5Y | 10Y | ALL |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Fund returns | -0.44% | 0.22% | 1.51% | 2.45% | 4.96% | 6.69% | 6.87% | 6.02% | 5.89% | 7.25% | 7.69% |
| Category returns | -0.48% | 0.21% | 1.53% | 2.57% | 4.98% | 6.6% | 6.79% | 6.17% | 5.77% | 6.85% | N/A |
| Absolute returns | -0.7% | 0% | 1.18% | 1.95% | 4.37% | 13.59% | 21.84% | 26.1% | 32.87% | 101.36% | 152.83% |
| Rank within category | 10 | 11 | 11 | 13 | 11 | 7 | 6 | 13 | 6 | 1 | N/A |
| Total Schemes in Category | 20 | 20 | 20 | 20 | 20 | 20 | 19 | 18 | 18 | 16 | N/A |
| Banking and PSU Fund | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | 2026 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Yearly returns | 8.04% | 6.01% | 5.86% | 12.92% | 12.92% | 4.53% | 2.58% | 6.4% | 8.19% | 7.39% | 0.02% |
| Q1 returns | 1.95% | 1.44% | 1.79% | 3.38% | 4.27% | -0.23% | 0.57% | 1.47% | 2.29% | 2.54% | 0.22% |
| Q2 returns | 1.92% | 2.14% | 0.07% | 3.19% | 4.16% | 1.62% | -1.95% | 2.25% | 1.5% | 2.45% | -0.21% |
| Q3 Returns | 2.16% | 1.54% | 1.3% | 3.21% | 0.74% | 2.42% | 1.96% | 1.07% | 2.83% | 0.92% | N/A |
| Q4 Returns | 1.78% | 0.76% | 2.59% | 2.57% | 3.21% | 0.66% | 2.02% | 1.46% | 1.34% | 1.29% | N/A |
Expense ratio: 0.69%
Inclusive of GST
Exit load
NIL
| Alpha | 0.0467161 |
| Beta | 1.2128 |
| Sharpe Ratio | 0.102035 |
| Sortino Ratio | 0.226283 |
| R-Squared | 0.3884 |
| Tracking Error | 0.1477 |
| Downside Risk | 1.434 |
| Std. Deviation (Annualised) | 1.641 |
| Banking and PSU Fund | 1M | 3M | 6M | 9M | 1Y | 3Y | 5Y | 10Y | ALL | Fund Size (Cr) | Expense Ratio | Sharpe | Risk |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Franklin India Banking & PSU Debt Fund - Growth | -0.15% | 0.67% | 2.35% | 3.72% | 6.42% | 7.15% | 5.94% | 7.05% | 7.36% | 479.38 | 0.47 | 0.22 | Moderate |
| UTI Banking & PSU Fund - Regular Plan - Growth | 0.08% | 0.87% | 2.22% | 3.53% | 6.14% | 7.1% | 7.15% | 6.54% | 7.01% | 1,098.92 | 0.46 | 0.20 | Low to Moderate |
| ICICI Prudential Banking & PSU Debt Fund - Growth | -0.45% | 0.25% | 1.91% | 3.08% | 5.57% | 7.08% | 6.25% | 7.19% | 7.79% | 9,489.48 | 0.73 | 0.21 | Moderate |
| Kotak Banking and PSU Debt Fund - Growth | -0.49% | 0.29% | 1.93% | 2.8% | 5.26% | 7.04% | 6.07% | 7.2% | 7.26% | 5,408.68 | 0.75 | 0.16 | Moderate |
| Sundaram Banking & PSU Fund - Growth | -0.4% | 0.28% | 1.55% | 2.68% | 5.01% | 6.99% | 5.54% | 6.39% | 7.26% | 281.42 | 0.44 | 0.16 | Moderate |
| TRUSTMF Banking & PSU Fund - Regular Plan - Growth | 0.31% | 0.76% | 2.17% | 4.06% | 6.72% | 6.98% | 5.64% | 0% | 5.49% | 130.72 | 0.71 | 0.11 | Moderate |
| Edelweiss Banking and PSU Debt Fund - Regular Plan - Growth Current | -0.44% | 0.22% | 1.51% | 2.45% | 4.96% | 6.87% | 5.89% | 7.25% | 7.69% | 516.73 | 0.69 | 0.10 | Moderate |
| Aditya Birla Sun Life Banking & PSU Debt Fund - Growth | -0.35% | 0.23% | 1.6% | 2.61% | 5.19% | 6.86% | 5.91% | 7.18% | 7.69% | 8,991.85 | 0.73 | 0.11 | Moderate |
| Axis Banking & PSU Debt Fund - Regular Plan - Growth | -0.28% | 0.42% | 1.81% | 2.99% | 5.55% | 6.81% | 5.74% | 6.98% | 7.52% | 12,838.50 | 0.62 | 0.11 | Moderate |
| LIC MF Banking & PSU Fund - Regular Plan - Growth | -0.35% | 0.27% | 1.54% | 2.58% | 5.27% | 6.8% | 5.51% | 6.54% | 7.01% | 1,879.49 | 0.68 | 0.09 | Moderate |
| Instrument Allocation | Instrument | Assets % |
|---|---|---|
|
|
Cash & Cash Equivalents and Net Assets | 8.59% |
| Corporate Debt | 79.68% | |
| Government Securities | 9.57% | |
| Certificate of Deposit | 1.90% | |
| Alternative Investment Fund | 0.26% |
| Sector Allocation | Sector | Assets % |
|---|---|---|
| Others | 100.00% |
| Name | Sector | Instrument | Assets % |
|---|---|---|---|
| Clearing Corporation of India Ltd. | Cash & Cash Equivalents and Net Assets | 5.34% | |
| 7.74% PFC SR 172 NCD RED 29-01-2028** | Corporate Debt | 4.90% | |
| 7.7% NABARD NCD SR 25A RED 30-09-2027** | Corporate Debt | 4.88% | |
| 7.59%NATIONAL HOUSING BANK R 14-07-2027** | Corporate Debt | 4.88% | |
| 7.35%BHARTI TELECO SRXXV 15-10-27** | Corporate Debt | 4.82% | |
| 7.3274%HDB FIN SERV S234 04-08-28** | Corporate Debt | 4.82% | |
| 6.58% KARNATAKA SDL RED 03-06-2030 | Government Securities | 4.81% | |
| 6.52% HUDCO NCD SR C RED 06-06-2028** | Corporate Debt | 4.79% | |
| 7.41% IOC NCD RED 22-10-2029** | Corporate Debt | 3.93% | |
| 7.48% IRFC NCD RED 13-08-2029** | Corporate Debt | 3.93% | |
| 7.59%NATIONAL HOUSING BANK NCD 08-09-27** | Corporate Debt | 3.90% | |
| 7.75% SIDBI SR VII NCD RED 10-06-27** | Corporate Debt | 3.90% | |
| 7.03% HPCL NCD RED 12-04-2030** | Corporate Debt | 3.85% | |
| 7.64% FOOD CORP GOI GRNT NCD 12-12-2029** | Corporate Debt | 3.73% | |
| Accrued Interest | Cash & Cash Equivalents and Net Assets | 3.13% | |
| 8.85% REC LTD. NCD RED 16-04-2029** | Corporate Debt | 3.04% | |
| 7.48% NABARD NCD SR 25G RED 15-09-2028** | Corporate Debt | 2.93% | |
| 6.68% GOVT OF INDIA RED 07-07-2040 | Government Securities | 2.81% | |
| 7.49% NHAI NCD RED 01-08-2029** | Corporate Debt | 2.55% | |
| 8.83% EXIM BK OF INDIA NCD RED 03-11-29** | Corporate Debt | 2.05% | |
| 8.41% HUDCO NCD GOI SERVICED 15-03-2029** | Corporate Debt | 2.01% | |
| 8.27% NHAI NCD RED 28-03-2029** | Corporate Debt | 2.00% | |
| 8.13% NUCLEAR POWER CORP NCD 28-03-2029** | Corporate Debt | 2.00% | |
| 8.12% NHPC NCD GOI SERVICED 22-03-2029** | Corporate Debt | 2.00% | |
| 8.09% NLC INDIA LTD NCD RED 29-05-2029** | Corporate Debt | 1.99% | |
| 7.34% POWER GRID CORP NCD 13-07-2029** | Corporate Debt | 1.96% | |
| 7.41% POWER FIN CORP NCD RED 25-02-2030** | Corporate Debt | 1.95% | |
| UNION BANK OF INDIA CD RED 01-06-2026#** | Certificate of Deposit | 1.90% | |
| 7.50% REC LTD. NCD RED 28-02-2030** | Corporate Debt | 1.57% | |
| 8.40% NUCLEAR POW COR IN LTD NCD28-11-29** | Corporate Debt | 1.02% | |
| 7.18% GOVT OF INDIA RED 14-08-2033 | Government Securities | 1.00% | |
| 6.33% GOVT OF INDIA RED 05-05-2035 | Government Securities | 0.95% | |
| SBI CDMDF--A2 | Alternative Investment Fund | 0.26% | |
| 8.79% INDIAN RAIL FIN NCD RED 04-05-2030** | Corporate Debt | 0.25% | |
| Net Receivables/(Payables) | Cash & Cash Equivalents and Net Assets | 0.11% | |
| 8.7% LIC HOUS FIN NCD RED 23-03-2029** | Corporate Debt | 0.02% | |
| Total | 100.00% |
Mr. Dhawal Dalal has over 15 Years of experience in fixed Income , Fund Management, Research and Trading. From jan 2012 he is a Exec. Vice president and Fund Manager of fixed Income. Prior to this he held senior positions in DSP BlackRock Investment Managers Pvt. Ltd. and Merrill Lynch Investment Managers
RETURNS
It is an Open ended scheme that primarily invests in Banking and PSU Fund.
The investment objective of the Scheme is to generate returns commensurate with risks of investing in a portfolio of Debt Securities and Money Market Instruments issued by Banks, Public Sector Undertakings, Public Financial Institutions, entities majorly owned by Central and State Governments and Municipal Bonds. However, there can be no assurance that the investment objective of the scheme will be realized.
The scheme benchmark is the CRISIL Banking and PSU Debt Index
It is classified as Moderate Risk, suitable for investors with a Moderate risk appetite.
Returns Delivered by the funds are as follows:
1-year: 4.37%
3-year: 6.8%
5-year: 5.84%
Top holdings include names such as:
The NAV is around ₹25.28 (approx.) for the Edelweiss Banking and PSU Debt Fund - Regular Plan - Growth.
The fund’s AUM is approximately ₹517 Cr.
The expense ratio for the Regular Plan is 0.69.
NIL.
Minimum SIP starts at ₹100.
The minimum lump sum investment is ₹100. Often platforms may require higher in practice, but the statutory minimum remains the same.
You can start a SIP through:
Broker/agent platform like Sharescart.
Enter KYC details, choose the Regular Growth option, set SIP amount/frequency, and submit.
Yes. You can modify your SIP amount or frequency anytime online through the Sharescart platform.
You can redeem online via the Sharescart platform — choose the scheme, select the amount/units, and submit. Proceeds are credited to your bank account.
The fund managers: Dhawal Dalal, Kedar Karnik
This fund is suitable for investors with a Moderate risk tolerance.
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