HealthyDirect · GrowthFit for a long SIP
Bajaj Finserv Banking and PSU Debt Fund
Bajaj Finserv Mutual FundIncome/Debt Oriented Schemes - Banking and PSU Debt Fund3 years
- NAV
- 12.2219
- 26 Oct 2026
- 1Y
- +3.8%
- Trailing CAGR
- AUM
- ₹315.09 Cr
- 30 Sept 2026
- Volatility
- Low
- 1.2% annualized
Buying brief
Should you add this fund?
Evidence on this desk, framed as a purchase checklist - not SEBI-registered advice.
As of 26 Oct 2026
Stance
Fit for a long SIP
Evidence supports keeping this on a shortlist for a multi-year equity SIP.
In three lines
Fits if · The fund beat the category median in 73% of rolling 1-year windows.
Fits if · Risk-adjusted return sits above the documented risk-free proxy.
Buy checklist
History depth
Watch
3.0 years - usable, still building a track record.
Engine status
Pass
Evidence supports keeping this on a shortlist for a multi-year equity SIP.
Expense ratio
Pass
0.35% TER (Direct). Lower cost compounds on long SIPs.
Drawdown vs peers
Pass
Peak-to-trough -0.8%. Ask whether you can hold through a similar fall.
Vs category
n/a
Category relative read still thin.
Manager tenure
n/a
Manager not listed.
Exit load
n/a
No exit-load summary on file.
Tax / wrapper
Pass
Direct Growth, no ELSS lock flagged. Equity LTCG rules still apply after one year - not tax advice.
Portfolio concentration
Watch
Top 10 holdings ≈ 85.5% of the portfolio.
Evidence supports a shortlist - confirm with peers before you buy elsewhere.
NAV
Path not in current snapshots
n/a
Returns
Trailing CAGR and simulated monthly SIP XIRR from daily NAV. Category comparison uses the median of comparable share classes in the peer set.
Trailing CAGR
Point-to-point, calendar-day annualized
- 1Y+3.8%
- 3Yn/a
- 5Yn/a
- 10Yn/a
- SI+7.0%
SIP XIRR
Equal monthly instalments to latest NAV
- 1Y+3.9%
- 3Yn/a
- 5Yn/a
- 10Yn/a
- Since inception
- +7.0%
- Calendar-day CAGR
- Excess 1Y
- -0.1%
- Category median, same plan and option
- 3Y win rate
- n/a
- Windows beating the median
- 3Y percentile
- n/a
- Vs comparable share classes
- SIP 3Y XIRR
- n/a
- Simulated monthly SIP
- Worst rolling 3Y
- n/a
- 0 daily-ending windows
- Median rolling 3Y
- n/a
- Calendar-day CAGR
- Positive rolling 5Y
- n/a
- 0 daily-ending windows
Drawdown
Peak to trough from a running NAV high, with the path and recovery episodes.
- Max drawdown
- -0.8%
- Worst peak-to-trough
- Current
- -0.2%
- Below last peak
- Current spell
- 47 days
- Days below latest peak
- Time below peak
- +51%
- NAV observations
Drawdown
Path not in current snapshots
n/a
- Average recovery
- 4 days
- 77 recovered episodes
- Longest recovery
- 43 days
- Trough to prior peak
6 Jun 2025 – 22 Jul 2025
Trough 13 Jun 2025 · recovered in 39 days
-0.8%
2 Mar 2026 – 15 Apr 2026
Trough 6 Apr 2026 · recovered in 9 days
-0.7%
8 May 2026 – 5 Jun 2026
Trough 21 May 2026 · recovered in 15 days
-0.7%
5 Aug 2025 – 18 Sept 2025
Trough 26 Aug 2025 · recovered in 23 days
-0.5%
Dimensions
0–100 reads of named metrics. The mean is unweighted and only uses dimensions with data.
Returns
31
Vs category
50
Consistency
73
Risk-adjusted
80
Drawdown
98
Mean
66
Decision
Quantitative engine reasons behind the buying stance. An explanation can only restate what is already here.
Healthy
Buying stance
Fit for a long SIP
Evidence supports keeping this on a shortlist for a multi-year equity SIP.
Why this status
- No material deterioration, cost shock, or persistent category underperformance in the current evidence set.
Supporting reads
- The fund beat the category median in 73% of rolling 1-year windows.
- Risk-adjusted return sits above the documented risk-free proxy.
- Peak-to-trough drawdown has stayed shallower than 15%.
Portfolio
30 Sept 2026 · 18 holdings · top 10 are 85.5%.
- Top 5
- 51.1%
- Top 10
- 85.5%
- Largest holding
- 19.3%
- Effective holdings
- 11.0
Others CBLO
Unspecified
19.3%
RURAL ELECTRIFICATION CORPORATION LIMITED SERIES GOI-V 8.54 BD 15NV28 FVRS10LAC
Financial
8.1%
AXIS BANK LIMITED CD 15OCT26
Financial
7.9%
NATIONAL BANK FOR AGRICULTURE AND RURAL DEVELOPMENT SR 25C 7.44 BD 24FB28 FVRS1LAC
Financial
7.9%
POWER FINANCE CORPORATION LIMITED SR 246A 7.42 BD 15AP28 FVRS1LAC
Financial
7.9%
Worth investigating
Same-category peers with enough history to inspect beside this fund - including tradeoffs.
HSBC Banking and PSU Debt Fund
HSBC Mutual Fund
- 1Y
- +3.8%
- 3Y
- +6.7%
- Vol
- 1.0%
- Max DD
- -0.6%
- Sharpe
- 0.94
- 3Y win
- +7%
- Lower volatility
- Shallower drawdown
- Lower TER
- Higher trailing returns
Aditya Birla Sun Life Banking & PSU Debt Fund
Aditya Birla Sun Life Mutual Fund
- 1Y
- +3.5%
- 3Y
- +6.7%
- Vol
- 1.6%
- Max DD
- -3.0%
- Sharpe
- 1.49
- 3Y win
- +85%
- Higher win rate vs category
- Higher trailing returns
Caveat: Higher volatility · Deeper drawdown · Higher TER
Edelweiss Banking and PSU Debt Fund
Edelweiss Mutual Fund
- 1Y
- +4.0%
- 3Y
- +7.0%
- Vol
- 2.6%
- Max DD
- -4.3%
- Sharpe
- 0.64
- 3Y win
- +79%
- Higher win rate vs category
- Higher trailing returns
Caveat: Higher volatility · Deeper drawdown · Higher TER
ICICI Prudential Banking and PSU Debt Fund
ICICI Prudential Mutual Fund
- 1Y
- +4.0%
- 3Y
- +6.8%
- Vol
- 1.7%
- Max DD
- -2.9%
- Sharpe
- 1.33
- 3Y win
- +76%
- Higher win rate vs category
- Higher trailing returns
Caveat: Higher volatility · Deeper drawdown · Higher TER
LIC MF Banking & PSU Debt Fund
LIC Mutual Fund
- 1Y
- +4.2%
- 3Y
- +7.1%
- Vol
- 1.2%
- Max DD
- -2.8%
- Sharpe
- 1.41
- 3Y win
- +32%
- Lower volatility
- Lower TER
- Higher trailing returns
Caveat: Deeper drawdown