HDFC Banking and PSU Debt Fund - Growth Option
₹23.8187
₹0.02 (+0.06%)
NAV as of 29 May 2026
Today's NAV — all variants
Regular · Growth
₹₹23.8187
₹0.02 (+0.06%)
29 May 2026
AMFI: 128628
Direct · Growth
₹₹24.8854
₹0.02 (+0.07%)
29 May 2026
AMFI: 128629
Regular · IDCW
₹₹10.1185
₹0.01 (+0.06%)
29 May 2026
AMFI: 128627
Direct · IDCW
₹₹10.0126
₹0.01 (+0.07%)
29 May 2026
AMFI: 128626
Returns (Lumpsum)
CAGR for periods ≥ 1 yearSIP Returns (XIRR)
₹1,000/month SIP, annualisedSIP since inception — what ₹100/month became
Real NAV backtest from day one
₹14,600
Invested
₹22,324
Value today
6.7%
XIRR (p.a.)
₹100/month SIP from fund inception · Current value as of today
Try SIP Calculator with this fund's history₹100 lumpsum at launch — value today
Invested on the fund's first NAV date
₹100
Invested
₹238
Value today
7.4%
CAGR (p.a.)
One-time investment at fund inception · Growth purely from NAV appreciation
Try Lumpsum Calculator₹10L corpus with ₹5,000/month withdrawals since inception
Corpus is still growing despite monthly payouts
₹10,00,000
Initial corpus
₹7,30,000
Withdrawn
₹12,65,666
Corpus left
+₹9,95,666 net gain — withdrew ₹7,30,000 AND corpus grew
Plan your SWP with real NAV₹1 lakh on the worst crash day — 22 Mar 2020
Worst single-day Nifty drop during this fund's life
₹1,00,000
Invested
₹1,48,741
Value today
1.5×
Multiple
Staying invested through that crash turned ₹1L into ₹1,48,741 — a 1.5× return
Read: Staying invested through crashesDirect vs Regular — ₹500/month over 10 years
Expense ratio drag on your actual returns
Direct plan
₹86,471
Regular plan
₹84,463
Direct earns ₹2,008 more on a ₹60K investment — 0.33% extra return per year
Same fund, same NAV history — only the expense ratio differs. Direct plans always outperform Regular over time.
Learn about Direct vs Regular plansFund Details
Risk Metrics
Trailing 1 year, annualised-0.48
Sharpe Ratio
—
Alpha
—
Beta
-0.49
Sortino
1.26%
Std Dev
-0.75%
Max Drawdown
Portfolio Holdings
Top 50 holdings · as of Apr 2026
| Security | % NAV |
|---|---|
Indian Railways Finance Corp. Ltd.^ INE053F08387 | 5.16% |
Indian Railways Finance Corp. Ltd.^ INE053F08387 | 5.11% |
Indian Railways Finance Corp. Ltd.^ INE053F08353 | 3.77% |
Indian Railways Finance Corp. Ltd.^ INE053F08353 | 3.73% |
Bajaj Housing Finance Ltd.^ INE377Y07482 | 2.84% |
REC Limited.^ INE020B08EA5 | 2.83% |
Bajaj Housing Finance Ltd.^ INE377Y07482 | 2.81% |
REC Limited. INE020B08EA5 | 2.80% |
Housing and Urban Development Corporation Ltd.^ INE031A08699 | 2.41% |
Housing and Urban Development Corporation Ltd.^ INE031A08699 | 2.39% |
HDFC Bank Ltd.£^ INE040A08914 | 2.37% |
HDFC Bank Ltd.£^ INE040A08914 | 2.35% |
National Bank for Agri & Rural Dev.^ INE261F08DV4 | 2.35% |
National Bank for Agri & Rural Dev. INE261F08DV4 | 2.33% |
Power Finance Corporation Ltd.^ INE134E08ML8 | 2.33% |
Punjab National Bank^ INE160A08324 | 2.29% |
Punjab National Bank INE160A08324 | 2.28% |
7.18% GOI MAT 140833 IN0020230085 | 2.19% |
7.18% GOI MAT 140833 IN0020230085 | 2.15% |
Bajaj Housing Finance Ltd.^ INE377Y07474 | 1.89% |
Small Industries Development Bank^ INE556F08KL3 | 1.89% |
LIC Housing Finance Ltd.^ INE115A07QJ2 | 1.88% |
Bajaj Housing Finance Ltd.^ INE377Y07474 | 1.88% |
Small Industries Development Bank^ INE556F08KL3 | 1.87% |
LIC Housing Finance Ltd.^ INE115A07QJ2 | 1.86% |
Union Bank of India^ INE692A16KU1 | 1.79% |
Union Bank of India INE692A16KU1 | 1.76% |
7.26% GOI MAT 060233 IN0020220151 | 1.62% |
7.26% GOI MAT 060233 IN0020220151 | 1.61% |
Power Grid Corporation of India Ltd.^ INE752E08718 | 1.51% |
Power Grid Corporation of India Ltd.^ INE752E08718 | 1.49% |
6.67% GOI MAT 151235 IN0020210152 | 1.46% |
REC Limited.^ INE020B08BC7 | 1.45% |
6.67% GOI MAT 151235 IN0020210152 | 1.44% |
REC Limited.^ INE020B08BC7 | 1.44% |
National Housing Bank^ INE557F08FZ1 | 1.42% |
HDFC Bank Ltd.£ INE040A08666 | 1.41% |
National Bank for Agri & Rural Dev.^ INE261F08EB4 | 1.41% |
Power Finance Corporation Ltd.^ INE134E08MA1 | 1.41% |
Power Finance Corporation Ltd.^ INE134E08ML8 | 1.41% |
SMFG India Credit Company Ltd^ INE535H07CJ6 | 1.41% |
Small Industries Development Bank^ INE556F08KW0 | 1.40% |
SMFG India Credit Company Ltd^ INE535H07CJ6 | 1.40% |
Power Finance Corporation Ltd. INE134E08MA1 | 1.40% |
National Housing Bank^ INE557F08FZ1 | 1.40% |
HDFC Bank Ltd.£^ INE040A08666 | 1.40% |
Small Industries Development Bank INE556F08KW0 | 1.39% |
National Bank for Agri & Rural Dev.^ INE261F08EB4 | 1.39% |
Shivshakti Securitisation Trust (Originator - Sikka Ports & Terminals Limited)^ INE2I7G15010 | 1.39% |
Shivshakti Securitisation Trust PTC ISD 150925 MAT 280929^ INE2I7G15010 | 1.37% |
Performance Comparison
Interested in This Fund?
Our experts will help you decide if this fund fits your goals.
Investment Objective
HDFC Banking and PSU Debt Fund - Growth Option by HDFC Mutual Fund is a Banking & PSU Debt fund that aims to generate optimal returns for investors based on its investment mandate. The fund follows a disciplined investment process aligned with SEBI regulations for the Banking & PSU Debt category.
About This Fund
HDFC Banking and PSU Debt Fund - Growth Option is a Banking & PSU Debt mutual fund offered by HDFC Mutual Fund. The fund has been operational for over 12 years. It manages assets worth ₹5,581 Cr, reflecting investor confidence in the fund's strategy. It benchmarks its performance against Nifty Banking & PSU Debt Index A-II. The current expense ratio is 0.72%.
Who Should Invest?
- •Investors with a high risk appetite seeking long-term wealth creation
- •Investors with an investment horizon of 5 years or more
- •SIP investors who can benefit from rupee cost averaging during market fluctuations