{"id":14931,"date":"2019-04-11T11:16:50","date_gmt":"2019-04-11T05:46:50","guid":{"rendered":"https:\/\/www.fundsindia.com\/blog\/?p=14931"},"modified":"2019-11-07T14:15:06","modified_gmt":"2019-11-07T08:45:06","slug":"steady-debt-fund","status":"publish","type":"post","link":"https:\/\/fundsindia.com\/blog\/mf-research\/mutual-funds\/steady-debt-fund\/14931","title":{"rendered":"FundsIndia Recommends: Axis Banking &#038; PSU Debt"},"content":{"rendered":"<p><span style=\"font-weight: 400;\">Amidst all the risks that transpired in the debt space, in the last 6 months, Axis Banking &amp; PSU Debt was among the few funds that remained steady and unhurt by the credit spook. Given its mandate to invest in bonds\/deposits of banks and PSUs, the fund has largely kept itself away from credit risk. On the duration front, unlike many banking &amp; PSU funds that dynamically change the portfolio maturity, this fund has seldom taken very long calls. As a result, it gains from rate decline scenarios adequately and does not get too hurt during rate hikes. This characteristic makes this fund a superior play in the entire short duration space. <\/span><\/p>\n<p><b>Suitability<\/b><\/p>\n<p><span style=\"font-weight: 400;\">Investors wanting to use a <a href=\"https:\/\/www.fundsindia.com\/blog\/personal-finance\/fundsindia-explains-what-are-debt-funds\/8982\" target=\"_blank\" rel=\"noopener\">debt fund<\/a> as part of their asset allocation can invest in Axis Banking &amp; PSU Debt. This fund is not a chart-topper over 3-year periods. But in a year like 2018, when equity and debt faced much pain, it can lend stability. You can use this fund for the following purpose: <\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Act as a hedge for an equity-heavy portfolio. <\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Hold for 2-3 years and use it as part of an income generating debt portfolio (using a systematic withdrawal plan) along with other ultra-short\/short duration funds.<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">The fund requires at least a 2-year holding and is suitable for any long-term portfolio as well.<\/span><\/p>\n<div class=\"blog-highlight\" style=\"clear: both; background: #ff6600; border: none; width: 60%; text-align: center; box-shadow: 0 5px 5px rgba(0, 0, 0, 0.5);\"><a style=\"text-decoration: none;\" href=\" https:\/\/www.fundsindia.com\/content\/jsp\/investor\/MFBuy.do?actn=add&amp;SchemeExplorer=T&amp;method=showScreen&amp;bSchmId=16903&amp;from=main&amp;schemeId=16903&amp;?utm_source=blog&amp;utm_medium=referral\" target=\"_blank\" rel=\"noopener\"> <span style=\"color: #fff; font-weight: bold;\">Invest in Axis Banking &amp; PSU Debt Fund Now! <\/span><\/a><\/div>\n<p><b>Performance<\/b><\/p>\n<p><span style=\"font-weight: 400;\">Axis Banking &amp; PSU Debt is not a chart topper. But when compared with its own peers and the entire short duration category, it stands out on the following: <\/span><b>One,<\/b><span style=\"font-weight: 400;\"> among funds with low credit risk in the short duration space, it has the highest risk-adjusted return as measured by sharpe (on a rolling 1-year return basis for 3 years). Franklin India Short Term Income Plan and Baroda Short Term Bond are the only other funds with higher sharpe, but that comes from taking significantly higher risk. <\/span><\/p>\n<a href=\"https:\/\/www.fundsindia.com\/blog\/wp-content\/uploads\/2019\/04\/performance-chart-axis-banking.png\"><img loading=\"lazy\" class=\"alignnone size-full wp-image-14932\" src=\"https:\/\/www.fundsindia.com\/blog\/wp-content\/uploads\/2019\/04\/performance-chart-axis-banking.png\" alt=\"\" width=\"476\" height=\"277\" srcset=\"https:\/\/fundsindia.com\/blog\/wp-content\/uploads\/2019\/04\/performance-chart-axis-banking.png 476w, https:\/\/fundsindia.com\/blog\/wp-content\/uploads\/2019\/04\/performance-chart-axis-banking-300x175.png 300w\" sizes=\"(max-width: 476px) 100vw, 476px\" \/><\/a>\n<p><em>Returns as of April 10, 2019<\/em><\/p>\n<p><strong>Two<\/strong>, the fund has delivered 1-month negative returns (in the past 5 years) in just 3% of the occasions. Among the better rated short duration funds, this is next only to HDFC Short Term Debt. <strong>Three<\/strong>, the fund\u2019s size has grown 3-fold in the past 6 months at a time when funds are facing redemption pressure. Low credit risk, like other banking &amp; PSU funds, but significantly higher risk-adjusted return appears to have increased investor interest in the fund.<\/p>\n<p><strong>Portfolio<\/strong><\/p>\n<p>Axis Banking &amp; PSU Debt\u2019s portfolio looks almost uninteresting, like a large-cap equity fund\u2019s portfolio. The all-familiar names in the PSU space such as NABARD, SIDBI, NHAI, PFC, and SBI find a place in the portfolio. They are AAA papers and carry liquidity. While the fund has steadily held bonds\/debentures of banks and public sector companies for a good while now, there have been times in the past when it capitalized on high-interest rates by investing in short-term certificates of deposits of banks as well.<\/p>\n<a href=\"https:\/\/www.fundsindia.com\/blog\/wp-content\/uploads\/2019\/04\/gaining-from-a-falling-rate-cycle.png\"><img loading=\"lazy\" class=\"alignnone size-full wp-image-14933\" src=\"https:\/\/www.fundsindia.com\/blog\/wp-content\/uploads\/2019\/04\/gaining-from-a-falling-rate-cycle.png\" alt=\"\" width=\"469\" height=\"281\" srcset=\"https:\/\/fundsindia.com\/blog\/wp-content\/uploads\/2019\/04\/gaining-from-a-falling-rate-cycle.png 469w, https:\/\/fundsindia.com\/blog\/wp-content\/uploads\/2019\/04\/gaining-from-a-falling-rate-cycle-300x180.png 300w\" sizes=\"(max-width: 469px) 100vw, 469px\" \/><\/a>\n<p>Axis Banking &amp; PSU Debt increased its average maturity early on, in June 2018, and suffered very short periods of 1-month negative returns as a result of an early call to up maturity. However, now, it\u2019s average maturity of around 3 years gives it a marked advantage over other short duration funds, as the rate decline scenario can provide capital appreciation opportunities in the bonds it holds. Its current 1-year return of 8.6% is already higher than the 7.1% average in the banking &amp; PSU category and the 6.5% return in the short duration space.<\/p>\n<p>Unlike many peers in the banking &amp; PSU space, the fund does not significantly up its average maturity. As a result, it has been less volatile than peers.<\/p>\n<p>The fund is managed by Aditya Pagaria and had Rs 4581 crore of assets as of March 2019.<\/p>\n<p>&nbsp;<\/p>\n<div style=\"width: 90%; margin: auto;\">\n<div style=\"float: left; background: #ff6600; border-radius: 5px; padding: 10px; width: 40%; border: none; text-align: center; box-shadow: 0 5px 5px rgba(0, 0, 0, 0.5);\"><a style=\"text-decoration: none;\" href=\" https:\/\/www.fundsindia.com\/content\/jsp\/investor\/MFBuy.do?actn=add&amp;SchemeExplorer=T&amp;method=showScreen&amp;bSchmId=16903&amp;from=main&amp;schemeId=16903&amp;?utm_source=blog&amp;utm_medium=referral\" target=\"_blank\" rel=\"noopener\"> <span style=\"color: #fff; font-weight: bold;\">Invest in Axis Banking &amp; PSU Debt Fund Now! <\/span><\/a><\/div>\n<div style=\"float: right; background: #ff6600; width: 40%; padding: 10px; border-radius: 5px; border: none; text-align: center; box-shadow: 0 5px 5px rgba(0, 0, 0, 0.5);\"><a style=\"text-decoration: none;\" href=\"https:\/\/www.fundsindia.com\/content\/jsp\/advisor\/AdvisorAppointmentAction.do?utm_source=blog&amp;utm_medium=referral\" target=\"_blank\" rel=\"noopener\"> <span style=\"color: #fff; font-weight: bold;\">Talk to an Advisor <\/span><\/a><\/div>\n<\/div>\n<p>&nbsp;<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Amidst all the risks that transpired in the debt space, in the last 6 months, Axis Banking &amp; PSU Debt was among the few funds that remained steady and unhurt by the credit spook. Given its mandate to invest in bonds\/deposits of banks and PSUs, the fund has largely kept itself away from credit risk. [&hellip;]<\/p>\n","protected":false},"author":4,"featured_media":14938,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":[],"categories":[506,6,72],"tags":[209,23,138,517,148,516,518,338],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v17.3 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>FundsIndia Recommends: Axis Banking &amp; PSU Debt<\/title>\n<meta name=\"description\" content=\"Amidst all the risks that transpired in the debt space, this fund was among the few that remained steady and unhurt by the credit spook.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/fundsindia.com\/blog\/mf-research\/mutual-funds\/steady-debt-fund\/14931\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" 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