HDFC Banking and PSU Debt Fund · Regular · Growth
NAV
₹24.3644
as of 31 Jul 2026
Expense Ratio
0.72%
AUM
₹5,270 Cr
Lumpsum returns (CAGR)
- 1Y
- +4.94%
- 3Y
- +6.96%
- 5Y
- +6.02%
- Since Inception
- +7.48%
SIP returns (XIRR)
- 1Y
- +5.71%
- 3Y
- +6.68%
- 5Y
- +6.59%
- Since Inception
- +6.92%
What history actually did — last 10 years (Aug 2016 – Jul 2026)
A ₹5,000 monthly SIP for the last 10 years (Aug 2016 – Jul 2026)
Real NAV backtest
A ₹5,000 monthly SIP would be worth ₹8,33,224 today — ₹5,95,000 invested, 6.6% XIRR.
₹5,95,000
Invested
₹8,33,224
Value today
6.6%
XIRR (p.a.)
A ₹1,00,000 lumpsum, the last 10 years (Aug 2016 – Jul 2026)
Real NAV backtest
₹1,00,000 invested 10 years ago would be ₹1,94,898 today (6.9% CAGR).
A regular withdrawal plan (SWP)
Real NAV backtest
A ₹10,00,000 corpus withdrawing ₹5,000/month since Aug 2016 would still hold ₹11,15,757.
Buying the worst day
Real NAV backtest
₹1,00,000 invested on the worst market day of the last 10 years (Aug 2016 – Jul 2026) (22 Mar 2020) would be ₹1,52,149 today (1.52×).
Historical simulation using actual published NAVs for the stated period. Past performance may or may not be sustained in the future. Not investment advice.
Risk Metrics
Trailing 1 year, annualised0.24
Sharpe Ratio
—
Alpha
—
Beta
0.26
Sortino
1.37%
Std Dev
-0.75%
Max Drawdown
Performance Comparison
Thinking about HDFC Banking and PSU Debt Fund · Regular · Growth?
Talk to our AMFI-registered team — free, no pressure. We'll help you see if this fund fits your goals.
Fund Details
Available transactions
Portfolio holdings
- 1Indian Railways Finance Corp. Ltd.^4.34%
- 2Indian Railways Finance Corp. Ltd.^2.90%
- 3Bajaj Housing Finance Ltd.2.87%
- 4Rec Limited.^2.87%
- 5Housing And Urban Development Corporation Ltd.^2.45%
- 6Hdfc Bank Ltd.£^2.43%
- 7Power Finance Corporation Ltd.2.42%
- 8National Bank For Agri & Rural Dev.2.39%
- 9Punjab National Bank^2.37%
- 10Small Industries Development Bank^1.93%
Investment Objective
HDFC Banking and PSU Debt Fund · Regular · Growth 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 · Regular · Growth 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 ₹5,270 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