HSBC Banking and PSU Debt Fund · Regular · Growth
NAV
₹25.6951
as of 31 Jul 2026
Expense Ratio
0.58%
AUM
₹3,999 Cr
Lumpsum returns (CAGR)
- 1Y
- +4.99%
- 3Y
- +6.75%
- 5Y
- +5.37%
- Since Inception
- +5.13%
SIP returns (XIRR)
- 1Y
- +5.61%
- 3Y
- +6.58%
- 5Y
- +6.27%
- Since Inception
- +5.81%
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 ₹8,13,436 today — ₹5,95,000 invested, 6.2% XIRR.
₹5,95,000
Invested
₹8,13,436
Value today
6.2%
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 ₹1,87,664 today (6.5% CAGR).
A regular withdrawal plan (SWP)
Real NAV backtest
A ₹10,00,000 corpus withdrawing ₹5,000/month since Aug 2016 would still hold ₹10,63,201.
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 ₹1,48,233 today (1.48×).
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, annualised0.35
Sharpe Ratio
—
Alpha
—
Beta
0.39
Sortino
1.28%
Std Dev
-0.66%
Max Drawdown
Performance Comparison
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Fund Details
Available transactions
Portfolio holdings
- 1Indian Oil Corporation Limited**3.40%
- 2Exim Bank**3.26%
- 3Indian Railway Finance Corporation Ltd**2.74%
- 4Bharti Telecom Limited**2.55%
- 56.68% Goi 07jul20402.53%
- 6Housing And Urban Development Corp. Ltd.**2.50%
- 7Exim Bank**2.41%
- 8Shivshakti Securitisation Trust**2.10%
- 9Power Finance Corporation Limited^2.07%
- 10Hdfc Bank Limited**2.04%
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 ₹3,999 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