Bajaj Finserv Banking and PSU Fund - Regular Plan - IDCW - Monthly

Regular

Regular and Direct options of the funds are exactly same except commission to your mutual fund broker/distributor. As an investor you do not need to pay any additional fees to purchase any of these options. However both have different expense ratios. Regular funds have higher expense ratio and direct funds have lower expense ratio. This difference is because of commission paid to broker/distributor. Lower expense ratio leads to higher returns for investors.
Direct

Regular and Direct options of the funds are exactly same except commission to your mutual fund broker/distributor. As an investor you do not need to pay any additional fees to purchase any of these options. However both have different expense ratios. Regular funds have higher expense ratio and direct funds have lower expense ratio. This difference is because of commission paid to broker/distributor. Lower expense ratio leads to higher returns for investors.

Fund House :

No of Debt Holding 15 (Category Avg - 58.59) | Modified Duration 3.51 Years (Category Avg - 3.07)| Yield to Maturity 6.84% (Category Avg - 6.76%)

Portfolio Summary (as on 31st Aug,2025)

Security Type	% Weight	Category Average
GOI	8.98%	15.74%
CD	0.00%	5.33%
T-Bills	0.00%	0.04%
CP	0.00%	0.04%
NCD & Bonds	82.38%	73.43%
PTC	0.00%	0.13%

Category - Banking and PSU Fund

Security Type	% Weight	Category Average
Government Backed	8.98%	15.78%
Low Risk	82.38%	78.93%
Moderate Risk	0.00%	0.00%
High Risk	0.00%	0.00%
Very High Risk	0.00%	0.00%
Others	0.00%	0.00%

Category - Banking and PSU Fund

Debt holding in Portfolio (as on 31st Aug,2025)

Instrument	Type	Sector	Rating	Rating Agency	Value (Mn)	% of Total Holding	Quantity
Bond - National Bank for Agriculture & Rural Development	NCD & Bonds	Financial institution	AAA	CRISIL	152.44	10.31%	1.50 k
Bond - Rural Electrification Corporation Limited	NCD & Bonds	Financial institution	AAA	CRISIL	105.25	7.12%	100.00
Bond - Housing & Urban Development Corporation Ltd.	NCD & Bonds	Financial institution	LAAA	ICRA	104.86	7.09%	100.00
Bond - National Housing Bank	NCD & Bonds	Financial institution	AAA	CRISIL	102.42	6.93%	1.00 k
Bond - Govt of India	GOI	Other			102.41	6.93%	10.00 L
Bond - Small Industries Development Bank Of India	NCD & Bonds	Financial institution	AAA	CRISIL	101.40	6.86%	1.00 k
Bond - Export Import Bank Of India	NCD & Bonds	Financial institution	AAA	CRISIL	100.97	6.83%	1.00 k
Bond - Bajaj Finance Ltd.	NCD & Bonds	Non banking financial company (nbfc)	AAA	CRISIL	100.03	6.77%	1.00 k
Bond - Power Finance Corporation Ltd.	NCD & Bonds	Financial institution	AAA	CRISIL	98.69	6.68%	1.00 k
Bond - Indian Railway Finance Corporation Ltd.	NCD & Bonds	Financial institution	AAA	CRISIL	98.68	6.68%	1.00 k
Bond - National Thermal Power Corporation Ltd.	NCD & Bonds	Power generation	AAA	CRISIL	98.31	6.65%	1.00 k
Bond - Power Grid Corporation of India Ltd.	NCD & Bonds	Power - transmission	AAA	CRISIL	54.36	3.68%	50.00
Bond - Food Corporation of India Ltd.	NCD & Bonds	Other agricultural products	AAA	CRISIL	50.79	3.44%	50.00
Bond - National Bank for Financing Infrastructure and Development	NCD & Bonds	Non banking financial company (nbfc)	AAA	CRISIL	49.30	3.34%	500.00
Bond - Govt of India	GOI	Other			30.34	2.05%	3.00 L

Name	Type of Instrument	Weight (%)
TREPS	TREPS	7.09%
Net Receivables	Net Receivables	1.55%

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hunch
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31 days ago

JMFLEXICAPfund regular is howing worst performance. bought at 107.693 in jly 24 and now 97.43 how to shuffle and compensate loss View more

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  JMFLEXICAPfund regular is howing worst performance. bought at 107.693 in jly 24 and now 97.43 how to shuffle and compensate loss
  
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shravanashok
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47 days ago

need your suggestion for sbi psu fund direct growth stay or switch View more

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  need your suggestion for sbi psu fund direct growth stay or switch
  
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The Fixed Income
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6 hrs ago

Invest in a Secure PSU Bond for Steady Growth TELANGANA STATE INDUSTRIAL INFRASTRUCTURE CORPORATION LIMITED – 2031 Bond ✔️ Coupon: 9.35% p.a. ✔️ Rating: INDIA RATING AA(CE) Stable, Acuite (SMERA) AA(CE) Stable ✔️ Tenor: 5y 10m (Maturity: 08/Aug/2031) ✔️ PSU Bond | High Return | Listed A reliable PSU bond offering attractive returns with strong credit backing—perfect for conservative investors seeking stability and growth. ???? Explore on The Fixed Income: https://www.thefixedincome.com/product/dVJhb1p3PT0=/967-kerala-infrastructure-investment-fund-board-2031?utm_source=Moneycontrol&utm_medium=Forum&utm_campaign=Product_list View more

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  Invest in a Secure PSU Bond for Steady Growth TELANGANA STATE INDUSTRIAL INFRASTRUCTURE CORPORATION LIMITED – 2031 Bond ✔️ Coupon: 9.35% p.a. ✔️ Rating: INDIA RATING AA(CE) Stable, Acuite (SMERA) AA(CE) Stable ✔️ Tenor: 5y 10m (Maturity: 08/Aug/2031) ✔️ PSU Bond | High Return | Listed A reliable PSU bond offering attractive returns with strong credit backing—perfect for conservative investors seeking stability and growth. ???? Explore on The Fixed Income: https://www.thefixedincome.com/product/dVJhb1p3PT0=/967-kerala-infrastructure-investment-fund-board-2031?utm_source=Moneycontrol&utm_medium=Forum&utm_campaign=Product_list
  
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sunny85deol
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97 days ago

Hello sir, I have been invested in these funds since 2017. Last SIP was in 2021. As their NAV have grown so I was thinking of switching to other funds with lower NAV. View more

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  Hello sir, I have been invested in these funds since 2017. Last SIP was in 2021. As their NAV have grown so I was thinking of switching to other funds with lower NAV.
  
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Progrowth Finwealth
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98 days ago

Hi Sunny, what is he period of holding and also any particular reson for withdrawl out of these two funds that have grown over a period of time View more | 1

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  Hi Sunny, what is he period of holding and also any particular reson for withdrawl out of these two funds that have grown over a period of time
  
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h_purandare
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104 days ago

Why are the NAVs of Indian Debt Mutual Funds going down after the rate cut View more

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