Sharpe ratio
0.79Return earned for the risk taken.
Moderate
Moderate risk-adjusted returns. The reward for risk has been average.
+3.86%1Y Absolute Return
-0.11%1D
Loading NAV history…
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 and PSU Debt Fund - Growth Option - Direct PlanFund 5Y annualised return | ₹8,50,444 | ₹7,32,612 | ₹1,17,832 | +6.19% |
| 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₹1.08
₹1 Lakh since launch₹1.08 Lakh
Fund age12.6 yrs
Fund information
Scheme code128629
ISININF179KA1IZ7
BenchmarkNifty Banking & PSU Debt Index A-II
CategoryDebt Scheme - Banking and PSU Fund
Expense ratio0.35%
Exit loadNil
Minimum SIP₹100 SIP
Return comparison
46th / 143 in category| Period | Fund | Benchmark | Category avg |
|---|---|---|---|
| 1M | +7.27% | — | — |
| 3M | -0.47% | — | — |
| 6M | +5.56% | — | — |
| 1Y | +3.86% | — | +1.68% |
| 3Y | +6.89% | — | +3.16% |
| 5Y | +6.19% | — | +2.94% |
| 10Y | +7.02% | — | — |
| Since Launch | +7.70% | — | — |
Risk-adjusted performance
Every measure is expanded with a plain-language reading of the latest calculated value.
Sortino ratio
1.46Return earned while limiting downside risk.
Good
Good downside protection with strong returns.
Standard deviation
1.51%How much the fund’s returns fluctuate over time.
Low volatility
Returns have been relatively stable.
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
2.46How well the fund rewarded investors relative to its biggest decline.
Excellent
Excellent balance between returns and drawdowns.
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
Portfolio100%
Debt94.11%
Cash5.89%
Market cap allocation
Market-cap classifications were not present in the latest portfolio disclosure.
Sector allocation
Equity exposure by sector
Top holdings
10 of 104 disclosed positions
| Holding | Sector | Instrument type | Weight |
|---|---|---|---|
| INDIAN RAILWAY FINANCE CORPORATION LIMITED SR 178 7.46 BD 18JU29 FVRS1LAC | Financial | Non Convertible Debenture | 4.34% |
| Repo | Unspecified | Repo | 3.1% |
| INDIAN RAILWAY FINANCE CORPORATION LIMITED SR 175 7.57 BD 18AP29 FVRS1LAC | Financial | Non Convertible Debenture | 2.9% |
| REC LIMITED SR 216A 7.55 BD 31MR28 FVRS10LAC | Financial | Debenture | 2.87% |
| BAJAJ HOUSING FINANCE LIMITED 8.10 NCD 08JL27 FVRS1LAC | Financial | Debenture | 2.87% |
| Net Current Assets | Unspecified | Net Current Assets | 2.79% |
| HOUSING AND URBAN DEVELOPMENT CORPORATION LIMITED SERIES V 8.41 LOA 15MR29 FVRS10LAC | Financial | Debenture | 2.45% |
| HDFC BANK LIMITED SR AB002 7.97 NCD 17FB33 FVRS1LAC | Financial | Debenture | 2.43% |
| POWER FINANCE CORPORATION LTD. SR 223 7.64 BD 22FB33 FVRS1LAC | Financial | Debenture | 2.42% |
| NATIONAL BANK FOR AGRICULTURE AND RURAL DEVELOPMENT SR 23I 7.62 LOA 31JN28 FVRS1LAC | Financial | Debenture | 2.39% |
Fund management
AN
Anil Bamboli
Since 2014 · Prior to joining HDFC AMC he has worked with SBI Fund Management for 11 years.
Mr. Bamboli is a CFA from Association for Investment Management and Research, U.S.A, Masters in Management Studies (Finance) and a Graduate in Cost and Works Accountant from ICWAI.
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 moderate-risk debt scheme - banking and psu fund. Recovered from its worst fall in 1 months. Financial makes up 76% — trouble in that sector hits the whole fund.
Strengths
- Recovered from its worst fall in 1 months.
- Well spread out — top 10 holdings are only 29% of the portfolio.
- Same fund manager for 13+ years — the strategy has not chopped and changed.
Weaknesses
- None
Ideal investor
- Needs a 1–3 years depending on duration horizon to ride out its moderate risk level.
Risk drivers
- Financial makes up 76% — trouble in that sector hits the whole fund.