Popular searches
Get to know your policy better
Product scoring may vary based on gender, age, policy tenure and sum assured.
Gender
Male
Age Group
The lowest age in the selected range is considered for price evaluation (e.g., 25 - 29)
30 - 34
Sum Assured
₹ 1Cr
Debt • Banking and PSU Fund • CRISIL Banking and PSU Debt Index
TRUSTMF Banking & PSU Debt Fund(G)-Direct Plan
1 Finance Rank:
21
211 Finance Score:
27100
Yield To Maturity Score
-
Quality & Diversification Score
53
Standard Deviation Score
60
Modified Duration Score
-
AUM Score
-
Historical Performance score
68
1 Finance Research updated as on March 2026 1 Finance Scores reflect a holistic assessment of fund performance, risk, and costs.
AUM
—NAV
₹ 1341.765(As on 10-Feb-2026)Expense Ratio
0.21%(As on 31-Mar-2026)Investment Horizon
3 to 5 years
21
Debt • Banking and PSU Fund • CRISIL Banking and PSU Debt Index
TRUSTMF Banking & PSU Debt Fund(G)-Direct Plan
This fund ranks 21st out of 22 funds in its category.
AUM—
NAV₹ 1341.765(As on 10-Feb-2026)
Expense Ratio0.21%(As on 31-Mar-2026)
Investment Horizon3 to 5 years
1 Finance Score: 27/100
Yield To Maturity Score
-
Quality & Diversification Score
53
Standard Deviation Score
60
Modified Duration Score
-
AUM Score
-
Historical Performance score
68
Fundamental Ratios
Modified Duration
-Average Maturity
2.26 yearsYield To Maturity
-Standard Deviation
-Portfolio summary
Asset Allocation
Debt
Others
92.54%
7.46%
Credit Rating
AAA
76.91%
SOV
15.63%
Cash & Eqv.
2.97%
Others
4.49%
Top Holdings
| Holding Names | Assets (%) |
|---|---|
| 06.75% GOI - 23-Dec-2029 | 11.70% |
| Rural Electrification Corpn Ltd -SR-220-A 07.77% (31-Mar-2028) | 10.86% |
| National Bank For Agriculture & Rural Development SR-25G 07.48% (15-Sep-2028) | 10.78% |
| National Housing Bank 07.59% (14-Jul-2027) | 10.02% |
| Export-Import Bank Of India SR-AA02 07.35% (27-Jul-2028) | 8.86% |
*Portfolio summary is updated on January 2026.
*A strong-looking portfolio on paper may still clash with your needs. Make sure to align it with your needs and time horizon.
Peer comparison
| Fund List | 1 F score | Fund Size | Expense Ratio |
|---|
*1F Score is updated quarterly, expense ratio was updated on March 2026. CAGR is updated daily.
Pros and Cons
Pros
Potential for higher returns as the fund maintains a high Net Yield to Maturity (YTM).
High AUM often signifies stability and credibility, along with being well diversified.
Cons
The fund holds low
quality bonds and securities, along with a concentrated portfolio.
Exhibits a relatively high level of volatility, indicated by its elevated standard deviation.
High modified duration indicates higher sensitivity to interest rate changes, suggesting higher risk for the fund.
Should you invest?
Invest if you are :
- Those looking to invest in a high-quality portfolio for 3 to 5 years and are willing to accept a slightly lower returns, should consider this fund.
- Conservative investors should invest in this fund.
Avoid if you are :
- Moderate to high risk takers should avoid this fund.
*Most financial mistakes aren't about money — they're about personality. Find yours with MoneySign®
Taxation
If bought before April 1, 2023
- Less than or equal to 24 months: Short-Term Capital Gains (STCG) are taxed as per your applicable income tax slab.
- More than 24 months: Long-Term Capital Gains (LTCG) are taxed at 12.5% on gains.
If bought after April 1, 2023
- Taxed at applicable slab rates.
Scheme Details
Scheme Objective
- To generate reasonable returns by primarily investing in debt and money market securities that are issued by Banks, Public Sector Undertakings (PSUs), Public Financial Institutions (PFIs) and Municipal Bonds.
Exit Load
- Nil
Minimum investment amount
Lumpsum
₹ 1000 (open for subscription)
Other details
Founded In2021
Email Addressinvestor.service@trustmf.com
| Fund Manager Name | Total Exp. (Years) | No. of Funds Managed |
|---|---|---|
| Jalpan Shah | 11.4 | 6 |
About Trust MF
- Trust Mutual Fund aims to simplify investing with a customer-centric approach, offering various schemes backed by rigorous research. Its philosophy mainly revolves around trust, clarity, and providing consistent performance.
Don't chase past returns.
Build a portfolio for the future
Our Advisory Includes
- Portfolio diversification
- Mutual fund tax harvesting
- Fund overlap check & more
We look where past returns don't
Your data security is our top priority
Through a secure infrastructure, RSA-256 encryption, disaster recovery protocols
Frequently Asked Questions
Are debt funds risk-free?
No, debt funds aren’t entirely risk-free. They may be less volatile than equities, but carry risks like changing interest rates, credit, liquidity, concentration, and prepayment. Hence, as an investor, it is crucial you personalise your portfolio based on your financial personality, which includes your risk comfort and time horizon of your financial goals.
Is a higher yield-to-maturity (YTM) always better?
Not necessarily in every case. A higher yield-to-maturity (YTM) often implies a bond having lower credit ratings, possessing higher default risk. You must weigh YTM against your portfolio quality and your time horizon.
What’s best for an emergency fund?
An emergency fund requires saving 3-6 months of expenses, meaning planning for short-term goals. While debt funds like overnight or liquid funds are usually the preferred options due to their strong liquidity benefits, it is imperative for you to choose a fund that aligns with your financial personality.
Who can invest in debt funds?
Debt funds are suitable for investors who prefer easy liquidity, want low-risk investments, or aim for capital preservation.
Are debt funds better than equity funds?
A mutual fund scheme is designed with a specific purpose. Equity funds are for capital appreciation, while debt funds focus on capital preservation. It depends entirely on your personal finance goals, risk tolerance, and investment horizon. Choosing between debt and equity funds must align with what you want to achieve financially.
Disclaimer
The Information in the scoring and ranking model is provided solely for general information and educational purposes and shall not constitute any advice or recommendation. Mutual Fund investments are subject to market risks. Please read all scheme-related documents carefully before investing. Past performance is not an indicator of future returns.
Don't chase past returns.
Build a portfolio for the future
Our Advisory Includes
- Portfolio diversification
- Mutual fund tax harvesting
- Fund overlap check & more