TrustMF Banking & PSU Debt Fund Regular Growth
DebtBanking & PSULow to Moderate Risk
Regular
NAV (18-Jun-25)
Returns (Since Inception)
Fund Overview
Fund Size
₹110 Cr
Expense Ratio
0.71%
ISIN
INF0GCD01016
Minimum SIP
₹1,000
Exit Load
No Charges
Inception Date
02 Feb 2021
About this fund
As of 18-Jun-25, it has a Net Asset Value (NAV) of ₹1272.17, Assets Under Management (AUM) of 110.09 Crores, and an expense ratio of 0.71%.
- TrustMF Banking & PSU Debt Fund Regular Growth has given a CAGR return of 5.76% since inception.
- The fund's asset allocation comprises around 0.00% in equities, 68.64% in debts, and 30.41% in cash & cash equivalents.
- You can start investing in TrustMF Banking & PSU Debt Fund Regular Growth with a SIP of ₹1000 or a Lumpsum investment of ₹1000.
Performance against Category Average
In this section, we compare the returns of the scheme with the category average over various periods. Periods for which the fund has outperformed its category average are marked in green, otherwise red.
1 Year
+8.84%
+9.07% (Cat Avg.)
3 Years
+7.33%
+7.52% (Cat Avg.)
Since Inception
+5.76%
— (Cat Avg.)
Portfolio Summaryas of 31st May 2025
| Debt | ₹75.56 Cr | 68.64% |
| Others | ₹34.53 Cr | 31.36% |
Top Holdings
All Holdings
Equity
Debt & Others
| Name | Type  | Amount | Holdings |
|---|---|---|---|
| Treps | Cash - Repurchase Agreement | ₹18.43 Cr | 16.74% |
| Axis Bank Limited | Cash - CD/Time Deposit | ₹12.45 Cr | 11.31% |
| Power Finance Corporation Limited | Bond - Corporate Bond | ₹12.38 Cr | 11.24% |
| Rural Electrification Corporation Limited | Bond - Corporate Bond | ₹10.3 Cr | 9.36% |
| National Bank For Agriculture And Rural Development | Bond - Corporate Bond | ₹9.2 Cr | 8.36% |
| National Housing Bank | Bond - Corporate Bond | ₹9.2 Cr | 8.35% |
| 7.04% Govt Stock 2029 | Bond - Gov't/Treasury | ₹7.81 Cr | 7.10% |
| HDFC Bank Limited | Bond - Corporate Bond | ₹6.13 Cr | 5.57% |
| 6.75% Govt Stock 2029 | Bond - Gov't/Treasury | ₹5.18 Cr | 4.70% |
| Export Import Bank Of India | Bond - Corporate Bond | ₹5.12 Cr | 4.65% |
| LIC Housing Finance Ltd | Bond - Corporate Bond | ₹5.1 Cr | 4.63% |
| Small Industries Development Bank Of India | Bond - Corporate Bond | ₹3.07 Cr | 2.79% |
| Net Current Assets | Cash | ₹2.1 Cr | 1.90% |
| 7.18% Govt Stock 2033 | Bond - Gov't/Treasury | ₹1.06 Cr | 0.96% |
| Investment in Corporate Debt Market Development Fund (CDMDF)$$ | Mutual Fund - Open End | ₹1.05 Cr | 0.96% |
| Power Grid Corporation Of India Limited | Bond - Corporate Bond | ₹1.02 Cr | 0.92% |
| 91 Days Tbill Red 19-06-2025 | Bond - Gov't/Treasury | ₹0.5 Cr | 0.45% |
Allocation By Credit Quality (Debt)
AAA
Other Allocation
Equity Sector
Debt & Others
| Instruments | Amount | Holdings |
|---|---|---|
| Bond - Corporate Bond | ₹61.52 Cr | 55.88% |
| Cash - Repurchase Agreement | ₹18.43 Cr | 16.74% |
| Bond - Gov't/Treasury | ₹14.54 Cr | 13.21% |
| Cash - CD/Time Deposit | ₹12.45 Cr | 11.31% |
| Cash | ₹2.1 Cr | 1.90% |
| Mutual Fund - Open End | ₹1.05 Cr | 0.96% |
Risk & Performance Ratios
Standard Deviation
This fund
0.89%
Cat. avg.
1.35%
Lower the better
Sharpe Ratio
This fund
0.51
Cat. avg.
0.65
Higher the better
Sortino Ratio
This fund
--
Cat. avg.
1.44
Higher the better
Fund Managers
Jalpan Shah
Since June 2024
Neeraj Jain
Since April 2024
Additional Scheme Detailsas of 31st May 2025
ISIN | INF0GCD01016 | Expense Ratio | 0.71% | Exit Load | No Charges | Fund Size | ₹110 Cr | Age | 4 years 4 months | Lumpsum Minimum | ₹1,000 | Fund Status | Open Ended Investment Company | Benchmark | CRISIL Banking and PSU Debt TR INR |
Investment Objective
To seek to generate long-term capital growth from an actively managed portfolio primarily of Equity and Equity Related Securities. Scheme shall invest in Indian equities,foreign equities and related instruments and debt securities.
Tax Treatment
Capital Gains Taxation:
- For investments made on or after 1 April 2023: The entire capital gain is added to the investor's income and is taxed based on the applicable income tax slab.
- For investments made before 1 April 2023:
- If sold within 2 years of investment: The capital gains are added to the investor's income and taxed according to the applicable tax slab.
- If sold after 2 years of investment: The capital gains are taxed at a flat rate of 12.5%.
- Holding the units: No tax is applicable as long as you hold the units.
Dividend Taxation:
Dividends are considered part of the investor’s income and are taxed according to their applicable tax slab. Additionally, if an investor’s dividend income exceeds INR 5,000 in a financial year, a 10% Tax Deducted at Source (TDS) is withheld by the fund house before distributing the dividend.
Note: As per the Income Tax Budget 2024, mutual funds are subject to capital gains taxation, which includes surcharge and cess based on prevailing income tax rules and the investor’s income. Taxation applies only to realised gains, not notional gains. Please consult your tax advisors to determine the implications or consequences of your investments in such securities.
Similar Banking & PSU Funds
| Fund name | Expense Ratio | Exit Load | Fund size | 1Y  |
|---|---|---|---|---|
| Bajaj Finserv Banking and PSU Fund Regular Growth Moderate Risk | 0.9% | 0.0% | ₹142.07 Cr | 9.6% |
| Bajaj Finserv Banking and PSU Fund Direct Growth Moderate Risk | 0.3% | 0.0% | ₹142.07 Cr | 10.2% |
| HSBC Banking & PSU Debt Direct Growth Moderate Risk | 0.2% | 0.0% | ₹4294.57 Cr | 9.3% |
| LIC MF Banking & PSU Debt Fund Direct Growth Moderate Risk | 0.3% | 0.0% | ₹1931.59 Cr | 10.1% |
| Axis Banking & PSU Debt Fund Direct Growth Moderate Risk | 0.3% | 0.0% | ₹13470.40 Cr | 9.5% |
| Invesco India Banking & PSU Debt Fund Regular Growth Moderate Risk | 0.6% | 0.0% | ₹104.86 Cr | 9.4% |
| DSP Banking & PSU Debt Fund Regular Growth Low to Moderate Risk | 0.6% | 0.0% | ₹4104.46 Cr | 9.2% |
| DSP Banking & PSU Debt Fund Direct Growth Low to Moderate Risk | 0.3% | 0.0% | ₹4104.46 Cr | 9.6% |
| Edelweiss Banking and PSU Debt Fund Direct Growth Low to Moderate Risk | 0.4% | 0.0% | ₹270.43 Cr | 10.1% |
| Edelweiss Banking and PSU Debt Fund Regular Growth Low to Moderate Risk | 0.7% | 0.0% | ₹270.43 Cr | 9.8% |
About the AMC
Total AUM
₹1,346 Cr
Address
801, 8th Floor, G Block, Naman Center, Bandra Kurla Complex, Mumbai, 400051
Other Funds by Trust Mutual Fund
| Fund name | Expense Ratio | Exit Load | Fund size | 1Y |
|---|---|---|---|---|
| TrustMF Fixed Maturity Plan - Series II (1196 Days) Direct Growth High Risk | - | 0.0% | ₹58.60 Cr | 9.3% |
| TrustMF Banking & PSU Debt Fund Direct Growth Low to Moderate Risk | 0.2% | 0.0% | ₹110.09 Cr | 9.4% |
| TRUSTMF Overnight Fund Direct Growth Low Risk | 0.1% | 0.0% | ₹78.60 Cr | 6.4% |
| TrustMF Short Term Fund Direct Growth Moderate Risk | 0.2% | 0.0% | ₹112.92 Cr | 9.7% |
| TrustMF Liquid Fund Direct Growth Low to Moderate Risk | 0.1% | 0.0% | ₹764.49 Cr | 7.2% |
| TRUSTMF Money Market Fund Direct Growth Low to Moderate Risk | 0.2% | 0.0% | ₹110.48 Cr | 8.0% |
| TrustMF Corporate Bond Fund Direct Growth Moderate Risk | 0.3% | 0.0% | ₹43.38 Cr | 9.2% |
Risk Level
Your principal amount will be at Low to Moderate Risk
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- Jalpan Shah
- Neeraj Jain
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