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.

Fund House :

No of Debt Holding 16 (Category Avg - 58.59) | Modified Duration 2.28 Years (Category Avg - 3.07)| Yield to Maturity 6.62% (Category Avg - 6.76%)

Portfolio Summary (as on 31st Aug,2025)

Security Type	% Weight	Category Average
GOI	17.09%	15.74%
CD	9.24%	5.33%
T-Bills	0.45%	0.04%
CP	0.00%	0.04%
NCD & Bonds	67.62%	73.43%
PTC	0.00%	0.13%

Category - Banking and PSU Fund

Security Type	% Weight	Category Average
Government Backed	17.54%	15.78%
Low Risk	76.86%	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 - Govt of India	GOI	Other			177.98	13.27%	17.50 L
Bond - Rural Electrification Corporation Limited	NCD & Bonds	Financial institution	AAA	CRISIL	143.29	10.68%	14.00 L
Bond - Export Import Bank Of India	NCD & Bonds	Financial institution	AAA	CRISIL	131.99	9.84%	13.00 L
Bond - Axis Bank Ltd.	CD	Private sector bank	P1+	CRISIL	123.93	9.24%	13.00 L
Bond - Power Finance Corporation Ltd.	NCD & Bonds	Financial institution	AAA	CRISIL	122.47	9.13%	12.00 L
Bond - Indian Railway Finance Corporation Ltd.	NCD & Bonds	Financial institution	AAA	CRISIL	119.23	8.89%	12.00 L
Bond - National Housing Bank	NCD & Bonds	Financial institution	AAA	CRISIL	111.81	8.33%	11.00 L
Bond - National Bank for Agriculture & Rural Development	NCD & Bonds	Financial institution	AAA	CRISIL	91.46	6.82%	9.00 L
Bond - HDFC Bank Ltd.	NCD & Bonds	Private sector bank	AAA	CRISIL	61.01	4.55%	6.00 L
Bond - Govt of India	GOI	Other			51.29	3.82%	5.00 L
Bond - Indian Oil Corporation Ltd.	NCD & Bonds	Refineries & marketing	AAA	CRISIL	49.73	3.71%	5.00 L
Bond - Small Industries Development Bank Of India	NCD & Bonds	Financial institution	AAA	CRISIL	30.50	2.27%	3.00 L
Bond - LIC Housing Finance Ltd.	NCD & Bonds	Housing finance company	AAA	CRISIL	30.50	2.27%	3.00 L
Bond - Power Grid Corporation of India Ltd.	NCD & Bonds	Power - transmission	AAA	CRISIL	10.12	0.75%	1.00 L
Bond - T-Bill	T-Bills	Other			5.99	0.45%	60.00 k
Bond - Power Grid Corporation of India Ltd.	NCD & Bonds	Power - transmission	AAA	CRISIL	5.11	0.38%	50.00 k

Name	Type of Instrument	Weight (%)
Net Receivables	Net Receivables	2.98%
TREPS	TREPS	2.62%

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hunch
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27 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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42 days ago

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

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The Fixed Income
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13 hrs ago

Secure Your Capital, Maximise Your Returns with Secure NBFC Bond KRAZYBEE SERVICES PRIVATE LIMITED – 2027 Bond now available on The Fixed Income ✔️ Coupon: 10.65% p.a. ✔️ Rating: CARE A Stable ✔️ Tenor: 1 year 10 months (Maturity: Aug 12, 2027) ✔️ Senior Secured | NBFC | High Return | Listed Opt for a high-performing, secured NBFC bond designed for investors seeking robust returns in a short duration. ???? Explore on The Fixed Income: https://www.thefixedincome.com/product/dVJhcFpnPT0=/1065-krazybee-services-private-limited-2027?utm_source=Moneycontrol&utm_medium=Forum&utm_campaign=Product_list View more

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  Secure Your Capital, Maximise Your Returns with Secure NBFC Bond KRAZYBEE SERVICES PRIVATE LIMITED – 2027 Bond now available on The Fixed Income ✔️ Coupon: 10.65% p.a. ✔️ Rating: CARE A Stable ✔️ Tenor: 1 year 10 months (Maturity: Aug 12, 2027) ✔️ Senior Secured | NBFC | High Return | Listed Opt for a high-performing, secured NBFC bond designed for investors seeking robust returns in a short duration. ???? Explore on The Fixed Income: https://www.thefixedincome.com/product/dVJhcFpnPT0=/1065-krazybee-services-private-limited-2027?utm_source=Moneycontrol&utm_medium=Forum&utm_campaign=Product_list
  
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sunny85deol
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93 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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93 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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99 days ago

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

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