HDFC Banking and Financial Services Fund · Regular · Growth
HDFC Mutual Fund · Managed by Anand Laddha
NAV
₹18.2050
as of 14 Jul 2026
Expense Ratio
1.90%
AUM
₹4,394 Cr
Lumpsum returns (CAGR)
- 1Y
- +4.64%
- 3Y
- +13.01%
- 5Y
- +12.42%
- Since Inception
- +12.64%
SIP returns (XIRR)
- 1Y
- +10.27%
- 3Y
- +11.33%
- 5Y
- +13.36%
- Since Inception
- +13.36%
What history actually did — last 5 years (Jul 2021 – Jul 2026)
A ₹5,000 monthly SIP for the last 5 years (Jul 2021 – Jul 2026)
Real NAV backtest
A ₹5,000 monthly SIP would be worth ₹4,15,216 today — ₹3,00,000 invested, 13.3% XIRR.
₹3,00,000
Invested
₹4,15,216
Value today
13.3%
XIRR (p.a.)
A ₹1,00,000 lumpsum, the last 5 years (Jul 2021 – Jul 2026)
Real NAV backtest
₹1,00,000 invested 5 years ago would be ₹1,79,536 today (12.4% CAGR).
A regular withdrawal plan (SWP)
Real NAV backtest
A ₹10,00,000 corpus withdrawing ₹5,000/month since Jul 2021 would still hold ₹13,80,149.
Fund vs Benchmark (TRI)
Same SIP, benchmark total-return index
The same SIP would be worth ₹4,15,216 in this fund vs ₹3,89,449 in the benchmark — outperformance of ₹25,767.
Buying the worst day
Real NAV backtest
₹1,00,000 invested on the worst market day of the last 5 years (Jul 2021 – Jul 2026) (3 Jun 2024) would be ₹1,20,707 today (1.21×).
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, annualised0.52
Sharpe Ratio
+0.12
Alpha
0.06
Beta
0.54
Sortino
16.27%
Std Dev
-17.17%
Max Drawdown
Performance Comparison
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Fund Details
Available transactions
Portfolio holdings
- 1Hdfc Bank Ltd.£14.53%
- 2Icici Bank Ltd.13.45%
- 3Axis Bank Ltd.8.58%
- 4Kotak Mahindra Bank Limited7.84%
- 5State Bank Of India6.24%
- 6Shriram Finance Ltd.4.69%
- 7Bajaj Finance Ltd.3.83%
- 8Sbi Life Insurance Company Ltd.3.25%
- 9Au Small Finance Bank Ltd.2.73%
- 10Five-Star Business Finance Limited2.35%
Investment Objective
HDFC Banking and Financial Services Fund · Regular · Growth invests in stocks from a specific sector or theme, offering concentrated exposure to a particular area of the economy. These funds carry sector-specific risks but can deliver significant returns when the underlying sector performs well.
About This Fund
HDFC Banking and Financial Services Fund · Regular · Growth is a Sectoral / Thematic mutual fund offered by HDFC Mutual Fund. The fund has been operational for over 5 years. It manages assets worth ₹4,394 Cr, reflecting investor confidence in the fund's strategy. The fund is managed by Anand Laddha. It benchmarks its performance against NIFTY Financial Services (TRI). The current expense ratio is 1.90%.
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