HDFC Banking and PSU Debt Fund · Regular · Growth
NAV
₹24.3205
as of 29 Sept 2026
Expense Ratio
0.72%
AUM
₹5,270 Cr
Lumpsum returns (CAGR)
- 1Y
- +4.33%
- 3Y
- +6.56%
- 5Y
- +5.77%
- Since Inception
- +7.36%
SIP returns (XIRR)
- 1Y
- +4.03%
- 3Y
- +5.84%
- 5Y
- +6.15%
- Since Inception
- +6.73%
What history actually did — last 10 years (Sept 2016 – Sept 2026)
A ₹5,000 monthly SIP for the last 10 years (Sept 2016 – Sept 2026)
Real NAV backtest
A ₹5,000 monthly SIP would be worth ₹8,32,064 today — ₹6,00,000 invested, 6.4% XIRR.
₹6,00,000
Invested
₹8,32,064
Value today
6.4%
XIRR (p.a.)
A ₹1,00,000 lumpsum, the last 10 years (Sept 2016 – Sept 2026)
Real NAV backtest
₹1,00,000 invested 10 years ago would be ₹1,90,770 today (6.7% CAGR).
A regular withdrawal plan (SWP)
Real NAV backtest
A ₹10,00,000 corpus withdrawing ₹5,000/month since Sept 2016 would still hold ₹10,75,636.
Buying the worst day
Real NAV backtest
₹1,00,000 invested on the worst market day of the last 10 years (Sept 2016 – Sept 2026) (22 Mar 2020) would be ₹1,51,875 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, annualised-0.65
Sharpe Ratio
—
Alpha
—
Beta
-0.66
Sortino
1.41%
Std Dev
-0.75%
Max Drawdown
Performance Comparison
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Fund Details
Available transactions
Portfolio holdings
- 1Indian Railways Finance Corp. Ltd.^5.30%
- 2Bajaj Housing Finance Ltd.2.90%
- 3Indian Railways Finance Corp. Ltd.^2.90%
- 4Rec Limited.^2.89%
- 5Housing And Urban Development Corporation Ltd.^2.47%
- 6Hdfc Bank Ltd.£^2.42%
- 7National Bank For Agri & Rural Dev.2.41%
- 8Power Finance Corporation Ltd.2.40%
- 9Punjab National Bank^2.36%
- 10Lic Housing Finance Ltd.^1.93%
What this fund does
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%.