HSBC Banking and PSU Debt Fund · Regular · Growth
NAV
₹25.7206
as of 30 Sept 2026
Expense Ratio
0.61%
AUM
₹3,999 Cr
Lumpsum returns (CAGR)
- 1Y
- +4.45%
- 3Y
- +6.51%
- 5Y
- +5.28%
- Since Inception
- +5.09%
SIP returns (XIRR)
- 1Y
- +4.37%
- 3Y
- +5.94%
- 5Y
- +5.97%
- Since Inception
- +5.74%
What history actually did — last 10 years (Oct 2016 – Sept 2026)
A ₹5,000 monthly SIP for the last 10 years (Oct 2016 – Sept 2026)
Real NAV backtest
A ₹5,000 monthly SIP would be worth ₹8,05,826 today — ₹5,95,000 invested, 6.0% XIRR.
₹5,95,000
Invested
₹8,05,826
Value today
6.0%
XIRR (p.a.)
A ₹1,00,000 lumpsum, the last 10 years (Oct 2016 – Sept 2026)
Real NAV backtest
₹1,00,000 invested 10 years ago would be ₹1,83,625 today (6.3% CAGR).
A regular withdrawal plan (SWP)
Real NAV backtest
A ₹10,00,000 corpus withdrawing ₹5,000/month since Oct 2016 would still hold ₹10,30,429.
Buying the worst day
Real NAV backtest
₹1,00,000 invested on the worst market day of the last 10 years (Oct 2016 – Sept 2026) (22 Mar 2020) would be ₹1,48,380 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, annualised-0.49
Sharpe Ratio
—
Alpha
—
Beta
-0.51
Sortino
1.31%
Std Dev
-0.66%
Max Drawdown
Performance Comparison
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Fund Details
Available transactions
Portfolio holdings
- 1Exim Bank**3.45%
- 26.94% Goi 11-May-20363.11%
- 3Indian Railway Finance Corporation Ltd**2.89%
- 4Exim Bank**2.76%
- 5Bharti Telecom Limited**2.71%
- 6Housing And Urban Development Corp. Ltd.**2.65%
- 7Sidbi**2.40%
- 86.36% Goi 16-Feb-20312.24%
- 9Shivshakti Securitisation Trust**2.22%
- 10Hdfc Bank Limited^2.17%
What this fund does
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 19 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 0.61%.