TRUSTMF Banking & PSU Fund - IDCW - Quarterly

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.

Category : Banking and PSU Fund

Fund House :

NAV

This number shows latest NAV (Net Asset Value) and change in the NAV from previous day. NAV is nothing but the unit price for the fund. You will be allocated number of units based on this price. NAV is declared once each day generally at the end of the day. Once you invest in mutual funds, your money is further invested in stocks and bonds by mutual fund managers. Mutual Fund NAV is the per unit latest value of all such stocks/bonds held in the portfolio

: ₹ 1144.8376 0.02%
(as on 07th November, 2025)

Crisil Rating

Very good performance among peers

Fund Size

: ₹ 129.34 Cr

(0.16% of Investment in Category)

Expense Ratio

: 0.71%

(0.68% Category average)

Risk-O-Meter

Low to Moderate Risk

Banking and PSU Fund :Banking and PSU Fund : The fund has 89.41% investment in Debt, of which 16.08% in Government securities, 73.33% is in Low Risk securities.

1M
3M
6M
1Y
2Y
5Y
ALL

This Scheme

VS

CRISIL Banking and PSU Debt A-II Index

0.58%

1.36%

3.22%

7.69%

7.69%

5.94%

7.33%
NA
0.53%

1.38%

2.96%

7.83%

7.88%

5.81%

7.2%

NA
Gold

Compare with

Date : -
NAV : -

1M
3M
6M
9M
1Y
2Y
3Y
5Y
ALL

Date : -
Investment : -
Value on selected date : -

Returns Calculator
SIP Calculator
VIP (Value Avg)

Amount

₹

Investment Date
Sell Date

Investment Value

-
Sell Value

-
Profit/Loss

-
Annualised Returns

-

Date : -
Investment : -
Value on selected date : -

Returns (NAV as on 07th November, 2025)

Period Invested for	₹10000 Invested on	Latest Value	Absolute Returns	Annualised Returns	Category Avg	Rank within Category
1 Week	31-Oct-25	10013.20	0.13%	-	0.15%	17/22
1 Month	07-Oct-25	10047.50	0.47%	-	0.53%	18/22
3 Month	07-Aug-25	10058.70	0.59%	-	1.38%	12/22
6 Month	07-May-25	10145.70	1.46%	-	2.96%	6/22
YTD	01-Jan-25	10426.40	4.26%	-	6.85%	15/22
1 Year	07-Nov-24	10426.60	4.27%	4.27%	7.83%	18/22
2 Year	07-Nov-23	10840.90	8.41%	4.11%	7.88%	19/21
3 Year	07-Nov-22	11268.60	12.69%	4.06%	7.48%	19/21
Since Inception	01-Feb-21	11448.40	14.48%	2.88%	7.20%	20/21

Returns Calculator Detailed Returns Analysis

SIP Returns (NAV as on 07th November, 2025)

Period Invested for	₹1000 SIP Started on	Investments	Latest Value	Absolute Returns	Annualised Returns
1 Year	07-Nov-24	12000	12247.93	2.07 %	3.83 %
2 Year	07-Nov-23	24000	25050.76	4.38 %	4.17 %
3 Year	07-Nov-22	36000	38376.22	6.6 %	4.19 %

SIP Calculator Detailed Returns Analysis

Tax Treatment

Any profit will be clubbed with your income and taxed at your effective tax rate.

Portfolio (Updated on 30th Sep,2025)

No of Debt Holding 15 (Category Avg - 60.33) | Modified Duration 2.25 Years (Category Avg - 3.00)| Yield to Maturity 6.54% (Category Avg - 6.69%)

Type of Holdings

Security Type	% Weight	Category Average
GOI	15.85%	14.64%
CD	0.00%	5.61%
T-Bills	0.23%	0.03%
CP	0.00%	0.16%
NCD & Bonds	73.33%	72.32%
PTC	0.00%	0.99%

Investment / Portfolio Grades

Security Type	% Weight	Category Average
Government Backed	16.08%	14.67%
Low Risk	73.33%	79.08%
Moderate Risk	0.00%	0.00%
High Risk	0.00%	0.00%
Very High Risk	0.00%	0.00%
Others	0.00%	0.00%

Detailed Portfolio Analysis

Name	Type of Instrument	Weight (%)
TREPS	TREPS	7.29%
Net Receivables	Net Receivables	3.29%

Detailed Portfolio Analysis

Risk Ratios

Ratios calculated on daily returns for last 3 years (Updated as on 31st October, 2025)

Standard Deviation
Standard Deviation value gives an idea about how volatile fund returns has been in the past 3 years. Lower value indicates more predictable performance. So if you are comparing 2 funds (lets say Fund A and Fund B) in the same category. If Fund A and Fund B has given 9% returns in last 3 years, but Fund A standard deviation value is lower than Fund B. So you can say that there is a higher chance that Fund A will continue giving similar returns in future also whereas Fund B returns may vary.

Low volatility

0.71vs0.91

Category Avg
Beta
Beta value gives idea about how volatile fund performance has been compared to similar funds in the market. Lower beta implies the fund gives more predictable performance compared to similar funds in the market. So if you are comparing 2 funds (lets say Fund A and Fund B) in the same category. If Fund A and Fund B has given 9% returns in last 3 years, but Fund A beta value is lower than Fund B. So you can say that there is a higher chance that Fund A will continue giving similar returns in future also whereas Fund B returns may vary.

Low volatility

0.73vs1.08

Category Avg
Sharpe Ratio
Sharpe ratio indicates how much risk was taken to generate the returns. Higher the value means, fund has been able to give better returns for the amount of risk taken. It is calculated by subtracting the risk-free return, defined as an Indian Government Bond, from the fund's returns, and then dividing by the standard deviation of returns. For example, if fund A and fund B both have 3-year returns of 15%, and fund A has a Sharpe ratio of 1.40 and fund B has a Sharpe ratio of 1.25, you can chooses fund A, as it has given higher risk-adjusted return.

Better risk adjusted returns

1.85vs1.67

Category Avg
Treynor's Ratio
Treynor's ratio indicates how much excess return was generated for each unit of risk taken. Higher the value means, fund has been able to give better returns for the amount of risk taken. It is calculated by subtracting the risk-free return, defined as an Indian Government Bond, from the fund's returns, and then dividing by the beta of returns. For example, if fund A and fund B both have 3-year returns of 15%, and fund A has a Treynor's ratio of 1.40 and fund B has a Treynor's ratio of 1.25, then you can chooses fund A, as it has given higher risk-adjusted return.

Better risk adjusted returns

0.02vs0.01

Category Avg
Jensen's Alpha
Alpha indicates how fund generated additional returns compared to a benchmark. Let's say if a fund A benchmarks its returns with Nifty50 returns then alpha equal to 1.0 indicates the fund has beaten the nifty returns by 1%, so the higher the alpha, the better.

Better risk adjusted returns

0.19vs-0.12

Category Avg

Alternative Funds (Category Peers)

Scheme Name	Crisil Rank	Asset Size (Cr)	1M	3M	6M	1Y	3Y
Franklin India Banking & PSU Debt Fund - Regular Plan - Growth	1	499.27	0.61	1.62	3.55	8.14	7.62
Sundaram Banking & PSU Fund - INSTITUTIONAL - Growth	5	400.20	0.52	1.49	3.03	8.06	7.67
HSBC Banking and PSU Debt Fund - Growth	3	4425.66	0.55	1.43	3.24	8.05	7.35
UTI Banking & PSU Fund - Growth	4	816.02	0.43	1.42	3.37	8.05	7.58
Axis Banking & PSU Debt Fund - Growth	4	13055.74	0.55	1.40	3.12	8.04	7.38
Bajaj Finserv Banking and PSU Fund - Regular Plan - Growth	NA	292.77	0.61	1.28	2.99	8.01	0.00
SBI Banking and PSU Fund - Regular Plan - Growth	1	4073.05	0.54	1.46	3.02	8.01	7.48
LIC MF Banking & PSU Fund - Growth	3	1909.36	0.54	1.32	2.94	8.00	7.47
Nippon India Banking and PSU Fund - Regular Plan - Growth	3	5483.15	0.57	1.30	2.86	7.99	7.60
HDFC Banking & PSU Debt Fund - Regular Plan - Growth	2	5859.53	0.63	1.41	3.01	7.98	7.57

Detailed Comparison

More Funds from

Out of 11 mutual fund schemes offered by this AMC, 1 is/are ranked 5 * , 1 is/are ranked 4 * , and 9 schemes are not ranked. See more about AMC

Scheme Name	Crisil Rank	Asset Size (Cr)	1M	3M	6M	1Y	3Y
TRUSTMF Flexi Cap Fund - Regular Plan - Growth	NA	1119.44	0.26	4.33	7.73	-0.60	0.00
TRUSTMF Small Cap Fund - Regular Plan - Growth	NA	1077.07	2.25	8.04	19.54	7.82	0.00
TRUSTMF Liquid Fund - Regular Plan - Growth	NA	591.67	0.46	1.40	2.95	6.53	6.87
TRUSTMF Multi Cap Fund - Regular Plan - Growth	NA	228.30	1.36	4.62	0.00	0.00	0.00
TRUSTMF Banking & PSU Fund - Growth	5	129.34	0.47	1.38	3.07	7.65	7.26
TRUSTMF Short Duration Fund - Regular Plan - Growth	4	102.44	0.44	1.34	3.07	7.97	7.29
TRUSTMF Money Market Fund - Regular Plan - Growth	NA	95.49	0.45	1.38	3.15	7.12	7.17
TRUSTMF Overnight Fund - Regular Plan - Growth	NA	68.68	0.44	1.34	2.70	5.90	6.36
TRUSTMF Fixed Maturity Plan - Series II (1196 Days) - Regular Plan - Growth	NA	62.40	0.57	1.67	3.82	8.46	0.00
TRUSTMF Arbitrage Fund - Regular Plan - Growth	NA	53.80	0.49	0.00	0.00	0.00	0.00