{
"debt": "Debt/Cash 100%",
"equity": "Equity 0%",
"BPRGG": {
"nav": "10000",
"date": "31-05-2025",
"since": {
"bajajflexi": "9.29",
"bajajsmall": "8.45",
"bajajnifty": "11.43"
},
"6_month_ago": {
"bajajflexi": "10.01",
"bajajsmall": "8.86",
"bajajnifty": "11.71"
}
},
"BPDGG": {
"nav": "10001",
"date": "31-05-2025",
"since": {
"bajajflexi": "9.90",
"bajajsmall": "8.45",
"bajajnifty": "11.43"
},
"6_month_ago": {
"bajajflexi": "10.62",
"bajajsmall": "8.86",
"bajajnifty": "11.71"
}
}
}

Fund Card

Bajaj Finserv Banking and PSU Fund

Debt

Regular Growth

Direct Growth

NAV	Risk Type
₹13.1234 as on 20-09-2024	Moderate

For -

Since Inception

1 Year

As on 28-02-2024

Bajaj Finserv Banking and PSU Fund

26.48%

NIFTY Banking & PSU Debt Index A-II

15.83%

CRISIL 10 year Gilt Index

15.83%

Invest Now

Summary Note

This is a debt fund with Nifty Banking and PSU Debt Index A-II as its benchmark. The risk level for this fund is categorised as Moderate.

Summary Dynamic Card

Total AUM

₹142.05 crores

as on 31-05-2025

Benchmark

NIFTY Banking & PSU Debt Index A-II

Min. SIP Amount

₹1000

Inception Date

13-11-2023

Benefits

Credit quality

We endeavor to invest in high-credit-rated AAA bonds, ensuring your investment’s credit quality.

Performance potential

Riding the yield curve from around the 5-year maturity profile, optimizing the performance potential for the unit of risk taken.

Expertise

Our team brings together years of experience navigating the complex world of fixed income investments.

Summary Investment Philosophy

Investment Objective

To generate income by predominantly investing in debt & money market securities issued by banks, public sector undertaking (PSUs), public financial institutions (PFI), municipal bonds and reverse repos in such securities, sovereign securities issued by the Central Government and State Governments, and/or any security unconditionally guaranteed by the Govt. of India.

Disclaimer: There is no assurance or guarantee that the investment objective of the scheme will be achieved.

Portfolio

Asset Allocation Pattern

Instrument: Debt and money market instruments of banks, public
sector undertakings, public financial institutions and municipal bonds
Indicative allocation: Maximum 100%, minimum 80%,Risk Profile: Low to moderate

Instrument: Debt and money market securities (including government securities) issued by entities other
than banks, public sector undertakings, public financial institutions and municipal bonds
Indicative allocation: Maximum 20%, minimum 0%
Risk Profile: Low to moderate

Public sector entities/undertakings to include those entities:
•In which the Government of India/a State Government has at least 51% shareholding (directly or indirectly).
•Notified/qualifying as public sector entities, in accordance with norms/notified by Government of India/a State Government.
•The debt of which is guaranteed by Government of India/a State Government.

Portfolio - Current Allocation

Top Holding

Top Holdings

National Bank For Agriculture and Rural Development

8.66%

REC Limited

7.49%

Housing & Urban Development Corporation Limited

7.48%

National Housing Bank

7.33%

Small Industries Dev Bank of India

7.3%

Export Import Bank of India

7.21%

Credit rating profile

AAA/A1+

74.18%

Sovereign

9.55%

Corporate Debt Market Development Fund

0.20%

Reverse Repo / TREPS & Net Current Assets

16.07%

Instrument break-up

Corporate Bond

74.18%

Reverse Repo / TREPS

14.27%

Government Bond

7.37%

State Government Bond

2.18%

Cash & Cash Equivalent

1.80%

Corporate Debt Market Development Fund Class A2

0.20%

See All Holdings

As on 31-05-2025

Historical Returns

Historical Returns (as per SEBI format) As on 31-05-2025

Tenors	CAGR		Current value of ₹10,000 Invested
Tenors	Since Inception	1Y	Since Inception	1Y
Bajaj Finserv Banking and PSU Fund	9.29%	10.01%	11,472	10,998
NIFTY Banking & PSU Debt Index A-II	8.45%	8.86%	11,336	10,883
CRISIL 10 year Gilt Index	11.43%	11.71%	11,820	11,168

Disclaimer: Past performance may or may not be sustained in future.
Different Plans i.e. Regular Plan and Direct Plan under the scheme have different expense structure. Performance is provided for Regular Plan – Growth Option. Inception Date: 13^th November 2023 Period for which scheme’s performance has been provided is computed basis last day of the previous month preceding the date of this material.
Returns less than 1 year period are simple annualized and greater than 1 year are compounded annualized.

Key Ratios

Portfolio Parameters As on 31-05-2025

YTM	6.48%
Average Maturity	3.90Years
Macaulay Duration	3.36Years
Modified Duration	3.18Years

YTM details should not be construed as indicative returns and the securities bought by the Fund may or may not be held till the respective maturities.

Who Should Invest/Fund Manager

Who Should Invest?

Individuals seeking to construct a foundational debt portfolio for short to medium-term investment horizon.
Individuals dissatisfied with the performance of traditional fixed-income options.
Investors interested in diversifying their portfolio across various debt investments apart from other traditional banking products.
Individuals who want relatively stable investment option for their capital.

Fund Manager

Fund Managers

Nimesh Chandan

Chief Investment Officer

View in detail

Siddharth Chaudhary

Head – Fixed Income

View in detail

Scheme Fund Details

Fund Details

Type of Scheme

An open ended debt scheme predominantly investing in debt instruments of banks, public sector undertakings, public financial institutions and municipal bonds with relatively high interest rate risk and moderate credit risk.

Minimum Investment

Minimum Application Amount

Additional Purchase (Incl. Switch-in): Minimum of Rs. 1,000/- and in multiples of Re.1/- thereafter.

Load Structure

Load Structure/Lock-In Period

Entry Load - Not applicable
Exit Load - Nil

Options

Options/Sub-Option

Growth option
Income Distribution cum Capital Withdrawal (IDCW) option

IDCW option will offer the following sub-options:
Payout of IDCW sub-option
Reinvestment of IDCW sub-option
Transfer of IDCW sub-option

Product Label and Riskometer

Potential Risk Class (PRC)

The PRC matrix identifies the highest amount of potential risk that a debt mutual fund can assume.
This regulation was implemented by SEBI on December 1, 2021, making it essential for fund houses to categorize all new and existing schemes under a potential risk class (PRC) matrix.

Product Label and Riskometer

This product is suitable for investors who are seeking*:

Income over short to medium term
Investment primarily in securities issued by Scheduled Commercial Banks (SCBs), Public Sector undertakings (PSUs), Public Financial Institutions (PFIs), Municipal Corporations and such other bodies

*Investors should consult their financial advisers if in doubt about whether the product is suitable for them.

Scheme Documents

Documents

Presentation

Application Form

Scheme Information Document (SID)

Key Information Document (KIM)

Statement of Additional Information (SAI)

Overview

Bajaj Finserv Banking and PSU Fund – Overview

Bajaj Finserv Banking and PSU Fund invests primarily in debt and money market securities issued by banks, public sector undertakings, public financial institutions, municipal corporations and the like.

Bajaj Finserv Banking and PSU Fund may be suitable for investors seeking income or relatively stable returns in the short-to-medium term. It may also be considered by investors seeking to diversify from traditional fixed income instruments to potentially earn returns while taking moderate risk.

Individuals can invest in Bajaj Finserv Banking and PSU via SIP or lumpsum. Investments start at Rs. 1,000.

FAQ

Frequently Asked Questions

Banking and PSU mutual funds invest predominantly in debt instruments of banks, public sector undertakings and public financial institutions. They are relatively stable and have the potential to offer modest returns in the short-to-medium term.

All mutual fund investments are subject to market risk. Banking and PSU funds offer relative stability of capital but do entail low-to-moderate risk. They have low credit risk because they invest in high quality securities, including government-backed ones. However, because of the relatively long maturity of the underlying securities, they are exposed to interest rate risk – the risk that the value of a security in the secondary market may fall because of a rise in interest rates in the economy.

Yes, banking & PSU debt schemes are relatively stable as they invest in debt securities of banks and PSUs that are government-backed or owned.

These funds do not have a lock-in period. They are suitable for investors with a short to medium term investment horizon.

You can either visit the AMC website or take assistance from a broker or intermediary platform and invest in this fund through SIP or lumpsum.

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National Bank For Agriculture and Rural Development	8.66
REC Limited	7.49
Housing & Urban Development Corporation Limited	7.48
National Housing Bank	7.33
Small Industries Dev Bank of India	7.3
Export Import Bank of India	7.21
Bajaj Finance Limited	7.09
Indian Railway Finance Corporation Limited	7.06
Power Finance Corporation Limited	7.04
Power Grid Corporation of India Limited	3.87
7.02% GOI (MD18/06/2031)	3.7
6.79% GOI (MD30/12/2031)	3.67
Food Corporation Of India	3.65
7.11%Maharashtra SDL (MD 31/07/2029)	2.18
Corporate Debt Market Development Fund	0.20
Reverse Repo /TREPS	14.27

Bajaj Finserv Banking and PSU Fund

Total AUM

Benchmark

Min. SIP Amount

Inception Date

Benefits

Investment Objective

Asset Allocation Pattern

Portfolio - Current Allocation

Historical Returns (as per SEBI format) As on 31-05-2025

Portfolio Parameters As on 31-05-2025

Who Should Invest?

Fund Managers

Fund Details

Type of Scheme

Minimum Application Amount

Load Structure/Lock-In Period

Options/Sub-Option

Potential Risk Class (PRC)

Product Label and Riskometer

This product is suitable for investors who are seeking*:

Documents

Bajaj Finserv Banking and PSU Fund – Overview

Frequently Asked Questions

What is a banking and PSU mutual fund?

Are banking and PSU funds safe?

Is banking and PSU fund investment a stable option?

Does banking and PSU fund come with a lock-in period?

How to invest in banking and PSU funds?

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