Sharpe ratio
0.50Return earned for the risk taken.
Moderate
Moderate risk-adjusted returns. The reward for risk has been average.
+5.56%1Y Absolute Return
-0.69%1D
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Past performance is not an indicator of future returns.
Returns calculator comparison
Compare an illustrative investment outcome across return assumptions.
| Asset | Projected corpus | Total invested | Gain | Annual return |
|---|---|---|---|---|
| HDFC Banking & Financial Services Fund - Growth Option - Direct PlanFund 5Y annualised return | ₹9,94,774 | ₹7,32,612 | ₹2,62,162 | +12.40% |
| EPFIllustrative annual assumption | ₹8,95,132 | ₹7,32,612 | ₹1,62,520 | +8.25% |
| Residential propertyIllustrative annual assumption | ₹8,67,662 | ₹7,32,612 | ₹1,35,050 | +7.00% |
| PPFIllustrative annual assumption | ₹8,69,819 | ₹7,32,612 | ₹1,37,207 | +7.10% |
| Bank fixed depositIllustrative annual assumption | ₹8,56,981 | ₹7,32,612 | ₹1,24,369 | +6.50% |
| GoldIllustrative annual assumption | ₹8,67,662 | ₹7,32,612 | ₹1,35,050 | +7.00% |
| Savings accountIllustrative annual assumption | ₹7,86,827 | ₹7,32,612 | ₹54,215 | +3.00% |
Illustration only. Fund results use the available NAV-derived annualised return and can be negative. Reference rows are assumptions, not current quoted rates or guaranteed returns; property excludes transaction costs, taxes, and liquidity constraints. Mutual fund investments are subject to market risk.
Wealth multiple
₹1 became₹1.14
₹1 Lakh since launch₹1.14 Lakh
Fund age5.4 yrs
Fund information
Scheme code148986
ISININF179KC1BG0
BenchmarkNIFTY Financial Services TRI
CategoryEquity Scheme - Sectoral/ Thematic
Expense ratio0.96%
Exit loadExit load of 1%, if redeemed within 30 days.
Minimum SIP₹100 SIP
Return comparison
334th / 932 in category| Period | Fund | Benchmark | Category avg |
|---|---|---|---|
| 1M | +168.73% | — | — |
| 3M | +14.73% | — | — |
| 6M | +20.69% | — | — |
| 1Y | +5.56% | — | +4.16% |
| 3Y | +13.87% | — | +12.54% |
| 5Y | +12.40% | — | +10.04% |
| Since Launch | +13.96% | — | — |
Risk-adjusted performance
Every measure is expanded with a plain-language reading of the latest calculated value.
Sortino ratio
0.72Return earned while limiting downside risk.
Moderate
Moderate downside risk-adjusted performance.
Standard deviation
18.05%How much the fund’s returns fluctuate over time.
High volatility
Returns can swing significantly.
Beta
—How closely the fund moves with the market.
Unavailable
This measure needs sufficient fund and benchmark history to calculate.
Alpha
—Extra return generated above the benchmark.
Unavailable
This measure needs sufficient fund and benchmark history to calculate.
Treynor ratio
—Return earned for each unit of market risk taken.
Unavailable
This measure needs sufficient fund and benchmark history to calculate.
Calmar ratio
0.64How well the fund rewarded investors relative to its biggest decline.
Good
Good return relative to the drawdowns experienced.
Information ratio
—How consistently the fund outperformed its benchmark.
Unavailable
This measure needs sufficient fund and benchmark history to calculate.
Portfolio allocation
Latest disclosed portfolio mix
Asset allocation
Allocation data has not been disclosed.
Market cap allocation
Sector allocation
Equity exposure by sector
Top holdings
10 of 38 disclosed positions
| Holding | Sector | Instrument type | Weight |
|---|---|---|---|
| ICICI Bank Ltd | Financial | Equity | 14.37% |
| HDFC Bank Ltd | Financial | Equity | 13.01% |
| Kotak Mahindra Bank Ltd | Financial | Equity | 7.7% |
| Axis Bank Ltd | Financial | Equity | 7.43% |
| State Bank of India | Financial | Equity | 6.21% |
| Bajaj Finance Ltd | Financial | Equity | 4.5% |
| Shriram Transport Finance Company Ltd | Financial | Equity | 4.29% |
| SBI Life Insurance Company Ltd | Financial | Equity | 3.94% |
| Five-Star Business Finance Ltd | Financial | Equity | 2.7% |
| AU Small Finance Bank Ltd | Financial | Equity | 2.37% |
Fund management
AN
Anand Laddha
Since 2021 · Prior to joining HDFC Asset Management Company Limited, he has worked with Refco-Sify Securities India Pvt. Ltd. Last Position Held - AVP - FII Equity & Derivative Sales. Alchemy Share & Stock Brokers Pvt. Ltd. Last Position Held - Equity & Derivative Sales.
Mr. Laddha has done B.Com. and CA
DH
Dhruv Muchhal
Since 2023 · Prior to joining HDFC MF,he has worked with Motilal Oswal Financial Services Ltd., Goldman Sachs, CRISIL Global Research & Analytics and Deloitte Haskins & Sells
Mr. Dhruv has done B.Com, CA and CFA
Compare similar funds
No comparable category funds are available yet.
Summary
A very high-risk equity scheme - sectoral/ thematic fund. Ahead of its category average over 3Y by 1.3 points. Top 10 holdings make up 67% — a handful of stocks can swing returns sharply.
Strengths
- Ahead of its category average over 3Y by 1.3 points.
- Recovered from its worst fall in 5 months.
- Same fund manager for 5+ years — the strategy has not chopped and changed.
Weaknesses
- Top 10 holdings make up 67% — a handful of stocks can swing returns sharply.
Ideal investor
- Needs a 5–7+ years horizon to ride out its very high risk level.
- Good fit for SIPs — spreading purchases smooths out 18.1% volatility.
Risk drivers
- Top 10 holdings = 67% of the portfolio.
- Financial makes up 98% — trouble in that sector hits the whole fund.