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Banking & PSU Debtregulargrowth📊 NIFTY Banking & PSU Debt Index(SEBI default)

HSBC Banking and PSU Debt Fund - Regular Growth

HSBC Mutual Fund

#9 of 21 (1Y)

₹25.1633

0.02 (+0.08%)

NAV as of 29 May 2026

Today's NAV — all variants

Regular · Growth

₹₹25.1633

0.02 (+0.08%)

29 May 2026

AMFI: 151104

Direct · Growth

₹₹26.5845

0.02 (+0.08%)

29 May 2026

AMFI: 151107

Regular · IDCW

₹₹10.2696

0.01 (+0.08%)

29 May 2026

AMFI: 151105

Direct · IDCW

₹₹10.3312

0.01 (+0.08%)

29 May 2026

AMFI: 151109

Returns (Lumpsum)

CAGR for periods ≥ 1 year
1 Week-0.29%
1 Month-0.51%
3 Months+0.01%
6 Months+0.77%
1 Year+3.34%
3 Years (CAGR)+6.19%
5 Years (CAGR)+5.04%
10 Years (CAGR)+6.49%
Since Inception (Sept 2007)+5.05%

SIP Returns (XIRR)

₹1,000/month SIP, annualised
1 Year SIP+2.76%
3 Year SIP+5.77%
5 Year SIP+5.70%
Since Inception (Sept 2007)+5.68%

SIP since inception — what ₹1,000/month became

Real NAV backtest from day one

₹2,24,000

Invested

₹3,94,099

Value today

5.7%

XIRR (p.a.)

1,000/month SIP from fund inception · Current value as of today

Try SIP Calculator with this fund's history

5,000 lumpsum at launch — value today

Invested on the fund's first NAV date

₹5,000

Invested

₹12,582

Value today

5.1%

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

₹11,20,000

Withdrawn

₹5,45,833

Corpus left

+₹6,65,833 net gain — withdrew ₹11,20,000 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

₹1,45,165

Value today

1.5×

Multiple

Staying invested through that crash turned ₹1L into ₹1,45,165 — a 1.5× return

Read: Staying invested through crashes

Direct vs Regular — ₹500/month over 10 years

Expense ratio drag on your actual returns

Direct plan

₹84,284

Regular plan

₹82,502

Direct earns ₹1,782 more on a ₹60K investment0.30% 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 plans

Fund Details

Fund HouseHSBC Mutual Fund
CategoryBanking & PSU Debt
Plan Typeregular
Optiongrowth
AUM₹4,350 Cr
Expense Ratio0.58%
Min SIP₹1,000
Min Lumpsum₹5,000
BenchmarkNIFTY Banking & PSU Debt Index
Launch Date20 Sept 2007
AMFI Code151104

Risk Metrics

Trailing 1 year, annualised

-0.37

Sharpe Ratio

Alpha

Beta

-0.40

Sortino

1.15%

Std Dev

-0.66%

Max Drawdown

Portfolio Holdings

Top 50 holdings · as of Apr 2026

Equity36 holdings · 64.9%
Security% NAV

EXIM Bank**

INE514E08GE8

4.43%

Indian Oil Corporation Limited**

INE242A08551

3.94%

Power Finance Corporation Limited**

INE134E08NL6

2.65%

Indian Railway Finance Corporation Ltd**

INE053F07BD9

2.65%

Housing and Urban Development Corp. Ltd.**

INE031A08988

2.59%

REC Limited^

INE020B08FR6

2.52%

Bharti Telecom Limited^

INE403D08298

2.50%

REC Limited**

INE020B08EX7

2.49%

EXIM Bank**

INE514E16CP6

2.35%

SIDBI**

INE556F08KY6

2.24%

National Housing Bank**

INE557F08GC8

2.13%

Shivshakti Securitisation Trust**

INE2I7G15010

2.09%

Housing and Urban Development Corp. Ltd.**

INE031A08996

1.93%

Bajaj Finance Limited**

INE296A07TF2

1.92%

NABARD^

INE261F08EK5

1.89%

EXIM Bank**

INE514E08GC2

1.88%

Indian Railway Finance Corporation Ltd**

INE053F07AZ4

1.72%

NABARD^

INE261F08EO7

1.68%

SIDBI**

INE556F08KR0

1.56%

REC Limited**

INE020B08FA2

1.33%

REC Limited**

INE020B08FD6

1.33%

HDFC Bank Limited**

INE040A08393

1.30%

Indian Railway Finance Corporation Ltd**

INE053F08353

1.30%

SIDBI**

INE556F08KT6

1.29%

SIDBI**

INE556F08KU4

1.28%

NABARD**

INE261F08EP4

1.26%

REC Limited**

INE020B08FW6

1.25%

Indian Railway Finance Corporation Ltd**

INE053F08320

1.25%

NABARD^

INE261F08EU4

1.25%

National Housing Bank**

INE557F08GA2

1.25%

Embassy Office Parks REIT**

INE041007175

1.24%

NABARD**

INE261F08EL3

1.23%

Siddhivinayak Securitisation Trust**

INE2I7F15012

0.99%

Power Grid Corporation of India Limited**

INE752E08601

0.77%

Indian Railway Finance Corporation Ltd**

INE053F07BU3

0.75%

Indian Railway Finance Corporation Ltd**

INE053F07BA5

0.67%
Debt14 holdings · 24.8%
Security% NAV

6.48% GOI 06Oct2035

IN0020250091

3.61%

HDFC Bank Limited**

INE040A16IZ6

3.16%

7.04% GOI - 03-Jun-2029

IN0020240050

2.47%

ICICI Bank Limited**

INE090AD6337

2.34%

Canara Bank**

INE476A16H01

1.77%

ICICI Bank Limited**

INE090AD6287

1.53%

7.49% Maharashtra SDL - 12-Apr-2030

IN2220230022

1.38%

7.26% GOI MAT 06-Feb-2033

IN0020220151

1.28%

7.61% Gujarat SDL - 03-Aug-2032

IN1520220071

1.27%

6.78% Maharashtra SDL - 25-May-2031

IN2220210073

1.25%

7.07% Gujarat SDL - 15-Oct-2034

IN1520250169

1.21%

Axis Bank Limited**

INE238AD6BW9

1.18%

Union Bank of India**

INE692A16KU1

1.18%

Canara Bank**

INE476A16H35

1.17%

Performance Comparison

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Investment Objective

HSBC Banking and PSU Debt Fund - Regular Growth by HSBC 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

HSBC Banking and PSU Debt Fund - Regular Growth is a Banking & PSU Debt mutual fund offered by HSBC Mutual Fund. The fund has been operational for over 18 years. It manages assets worth ₹4,350 Cr, reflecting investor confidence in the fund's strategy. It benchmarks its performance against NIFTY Banking & PSU Debt Index. The current expense ratio is 0.58%.

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