Sundaram Banking & PSU Fund - INSTITUTIONAL - Growth

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.

No of Debt Holding 39 (Category Avg - 58.59) | Modified Duration 2.89 Years (Category Avg - 3.06)| Yield to Maturity 6.68% (Category Avg - 6.74%)

Portfolio Summary (as on 31st Aug,2025)

Security Type	% Weight	Category Average
GOI	19.36%	15.74%
CD	8.24%	5.33%
T-Bills	0.00%	0.04%
CP	0.00%	0.04%
NCD & Bonds	67.40%	73.43%
PTC	0.00%	0.13%

Category - Banking and PSU Fund

Security Type	% Weight	Category Average
Government Backed	19.36%	15.78%
Low Risk	75.64%	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 - Indian Oil Corporation Ltd.	NCD & Bonds	Refineries & marketing	LAAA	ICRA	305.29	6.49%	300.00
Bond - Govt of India	GOI	Other			302.29	6.42%	30.00 L
Bond - Rural Electrification Corporation Limited	NCD & Bonds	Financial institution	LAAA	ICRA	254.50	5.41%	250.00
Bond - HDFC Bank Ltd.	NCD & Bonds	Private sector bank	LAAA	ICRA	254.20	5.40%	2.50 k
Bond - Housing & Urban Development Corporation Ltd.	NCD & Bonds	Financial institution	LAAA	ICRA	247.19	5.25%	2.50 k
Bond - National Housing Bank	NCD & Bonds	Financial institution	AAA	CRISIL	203.29	4.32%	2.00 k
Bond - Power Finance Corporation Ltd.	NCD & Bonds	Financial institution	LAAA	ICRA	199.08	4.23%	200.00
Bond - Indian Bank	CD	Public sector bank	P1+	CRISIL	193.40	4.11%	400.00
Bond - National Bank for Agriculture & Rural Development	NCD & Bonds	Financial institution	AAA	CRISIL	153.07	3.25%	1.50 k
Bond - Export Import Bank Of India	NCD & Bonds	Financial institution	LAAA	ICRA	152.29	3.24%	1.50 k
Bond - Indian Railway Finance Corporation Ltd.	NCD & Bonds	Financial institution	LAAA	ICRA	151.10	3.21%	1.50 k
Bond - Govt of India	GOI	Other			147.21	3.13%	15.00 L
Bond - Govt of India	GOI	Other			106.90	2.27%	11.00 L
Bond - Govt of India	GOI	Other			104.22	2.22%	10.00 L
Bond - Power Grid Corporation of India Ltd.	NCD & Bonds	Power - transmission	LAAA	ICRA	102.13	2.17%	1.00 k
Bond - National Bank for Agriculture & Rural Development	NCD & Bonds	Financial institution	AAA	CRISIL	101.62	2.16%	1.00 k
Bond - National Bank for Agriculture & Rural Development	NCD & Bonds	Financial institution	LAAA	ICRA	101.60	2.16%	1.00 k
Bond - Indian Railway Finance Corporation Ltd.	NCD & Bonds	Financial institution	LAAA	ICRA	101.45	2.16%	1.00 k
Bond - Govt of India	GOI	Other			100.91	2.14%	10.00 L
Bond - Bajaj Finance Ltd.	NCD & Bonds	Non banking financial company (nbfc)	AAA	CRISIL	99.77	2.12%	1.00 k
Bond - Power Finance Corporation Ltd.	NCD & Bonds	Financial institution	LAAA	ICRA	99.33	2.11%	1.00 k
Bond - Power Grid Corporation of India Ltd.	NCD & Bonds	Power - transmission	LAAA	ICRA	98.98	2.10%	1.00 k
Bond - Export Import Bank Of India	CD	Financial institution	P1+	CRISIL	97.04	2.06%	200.00
Bond - Govt of India	GOI	Other			51.29	1.09%	5.00 L
Bond - Govt of India	GOI	Other			51.10	1.09%	5.00 L
Bond - Power Finance Corporation Ltd.	NCD & Bonds	Financial institution	LAAA	ICRA	51.03	1.08%	500.00
Bond - HDB Financial Services Ltd.	NCD & Bonds	Non banking financial company (nbfc)	AAA	CRISIL	50.80	1.08%	500.00
Bond - Rural Electrification Corporation Limited	NCD & Bonds	Financial institution	AAA	CRISIL	50.73	1.08%	500.00
Bond - National Bank for Agriculture & Rural Development	NCD & Bonds	Financial institution	LAAA	ICRA	50.72	1.08%	500.00
Bond - HDB Financial Services Ltd.	NCD & Bonds	Non banking financial company (nbfc)	AAA	CRISIL	50.71	1.08%	500.00
Bond - Indian Railway Finance Corporation Ltd.	NCD & Bonds	Financial institution	LAAA	ICRA	50.66	1.08%	500.00
Bond - Rural Electrification Corporation Limited	NCD & Bonds	Financial institution	LAAA	ICRA	50.59	1.08%	500.00
Bond - National Housing Bank	NCD & Bonds	Financial institution	AAA	CRISIL	50.37	1.07%	500.00
Bond - Power Finance Corporation Ltd.	NCD & Bonds	Financial institution	LAAA	ICRA	50.33	1.07%	50.00
Bond - Bajaj Finance Ltd.	NCD & Bonds	Non banking financial company (nbfc)	AAA	CRISIL	50.16	1.07%	500.00
Bond - HDFC Bank Ltd.	CD	Private sector bank	P1+	CRISIL	48.73	1.04%	100.00
Bond - Export Import Bank Of India	CD	Financial institution	P1+	CRISIL	48.40	1.03%	100.00
Bond - Govt of India	GOI	Other			46.92	1.00%	5.00 L
Bond - Rural Electrification Corporation Limited	NCD & Bonds	Financial institution	LAAA	ICRA	39.82	0.85%	400.00

Name	Type of Instrument	Weight (%)
TREPS	TREPS	4.57%
Net Receivables	Net Receivables	0.45%

Forum

hunch
MF Investment Help
Follow

24 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

Posted by : hunch
- Like
- Reply
  
  reply Cancel
- Share
  
  276
- Repost
  
  Repost this message
  
  JMFLEXICAPfund regular is howing worst performance. bought at 107.693 in jly 24 and now 97.43 how to shuffle and compensate loss
  
  Repost Cancel
You will now receive notification when someone reply to this message.
shravanashok
MF Investment Help
Follow

40 days ago

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

Posted by : shravanashok
- Like
- Reply
  
  reply Cancel
- Share
  
  276
- Repost
  
  Repost this message
  
  need your suggestion for sbi psu fund direct growth stay or switch
  
  Repost Cancel
You will now receive notification when someone reply to this message.
The Fixed Income
Bonds
Follow

5 hrs ago

Secure Your Wealth with a High-Return NBFC Bond SBI Cards and Payment Services Limited – 2029 Bond now listed on The Fixed Income ✔️ Coupon: 9.55% p.a. ✔️ Rating: CRISIL AAA Stable, ICRA AAA Stable ✔️ Tenor: 3 years 4 months (Maturity: Jan 29, 2029) ✔️ NBFC | High Return | Listed Opt for a reliable investment backed by one of India’s leading financial service providers. ???? Explore on The Fixed Income: https://www.thefixedincome.com/product/dXhXbllRPT0=/955-sbi-cards-and-payment-services-limited-2029?utm_source=Moneycontrol&utm_medium=Forum&utm_campaign=Product_list View more

Posted by : The Fixed Income
- Like
- Reply
  
  reply Cancel
- Share
  
  276
- Repost
  
  Repost this message
  
  Secure Your Wealth with a High-Return NBFC Bond SBI Cards and Payment Services Limited – 2029 Bond now listed on The Fixed Income ✔️ Coupon: 9.55% p.a. ✔️ Rating: CRISIL AAA Stable, ICRA AAA Stable ✔️ Tenor: 3 years 4 months (Maturity: Jan 29, 2029) ✔️ NBFC | High Return | Listed Opt for a reliable investment backed by one of India’s leading financial service providers. ???? Explore on The Fixed Income: https://www.thefixedincome.com/product/dXhXbllRPT0=/955-sbi-cards-and-payment-services-limited-2029?utm_source=Moneycontrol&utm_medium=Forum&utm_campaign=Product_list
  
  Repost Cancel
You will now receive notification when someone reply to this message.
sunny85deol
MF Investment Help
Follow

90 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

Posted by : sunny85deol
- Like
- Reply
  
  reply Cancel
- Share
  
  276
- Repost
  
  Repost this message
  
  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.
  
  Repost Cancel
You will now receive notification when someone reply to this message.
Progrowth Finwealth
MF Investment Help
Follow

91 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

Posted by : Progrowth Finwealth
- Like
- Reply
  
  reply Cancel
- Share
  
  276
- Repost
  
  Repost this message
  
  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
  
  Repost Cancel
You will now receive notification when someone reply to this message.
h_purandare
MF Investment Help
Follow

97 days ago

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

Posted by : h_purandare
- Like
- Reply
  
  reply Cancel
- Share
  
  276
- Repost
  
  Repost this message
  
  Why are the NAVs of Indian Debt Mutual Funds going down after the rate cut
  
  Repost Cancel
You will now receive notification when someone reply to this message.

+ See More

Advisory Alert: It has come to our attention that certain individuals are representing themselves as affiliates of Moneycontrol and soliciting funds on the false promise of assured returns on their investments. We wish to reiterate that Moneycontrol does not solicit funds from investors and neither does it promise any assured returns. In case you are approached by anyone making such claims, please write to us at grievanceofficer@nw18.com or call on 02268882347