HDFC Banking and PSU Debt Fund · Regular · Growth
NAV
₹24.1429
as of 16 Jun 2026
Expense Ratio
0.72%
AUM
₹5,581 Cr
Lumpsum returns (CAGR)
- 1Y
- +4.72%
- 3Y
- +6.91%
- 5Y
- +5.94%
- Since Inception
- +7.48%
SIP returns (XIRR)
- 1Y
- +5.12%
- 3Y
- +6.62%
- 5Y
- +6.51%
- Since Inception
- +6.90%
SIP since inception — what ₹100/month became
Real NAV backtest from day one
₹14,700
Invested
₹22,672
Value today
6.9%
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
₹241
Value today
7.5%
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
₹7,35,000
Withdrawn
₹12,74,599
Corpus left
+₹10,09,599 net gain — withdrew ₹7,35,000 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
₹1,50,385
Value today
1.5×
Multiple
Staying invested through that crash turned ₹1L into ₹1,50,385 — a 1.5× return
Read: Staying invested through crashesRisk Metrics
Trailing 1 year, annualised0.18
Sharpe Ratio
—
Alpha
—
Beta
0.20
Sortino
1.33%
Std Dev
-0.75%
Max Drawdown
Performance Comparison
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Fund Details
Available transactions
Portfolio holdings
- 1Indian Railways Finance Corp. Ltd.^5.16%
- 2Indian Railways Finance Corp. Ltd.^3.77%
- 3Bajaj Housing Finance Ltd.^2.84%
- 4Rec Limited.^2.83%
- 5Housing And Urban Development Corporation Ltd.^2.41%
- 6Hdfc Bank Ltd.£^2.37%
- 7National Bank For Agri & Rural Dev.^2.35%
- 8Punjab National Bank^2.29%
- 97.18% Goi Mat 1408332.19%
- 10Small Industries Development Bank^1.89%
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 ₹5,581 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