Home Mf Research Hdfc Banking And Financial Services Fund Regular Plan Growth

HDFC Banking and Financial Services Fund - Regular Plan - Growth

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Fund info
NAV (as on 2025-07-18)
17.20 -1.01%
AUM (Fund Size)
N/A
Expense Ratio
1.89%
Exit load
1%
Risk
N/A
AMC
HDFC Mutual Fund
View AMC Details

SIP Returns

Period Invested for ₹1000 SIP Started on Investments Latest Value Abs. Returns
One Week 2025-07-11 ₹1,000.00 ₹987.71
-1.23 %
Two Week 2025-07-03 ₹1,000.00 ₹991.52
-0.85 %
One Month 2025-06-18 ₹1,000.00 ₹1,012.01
1.20 %
Three Months 2025-04-21 ₹3,000.00 ₹3,084.28
2.81 %
Six Months 2025-01-20 ₹6,000.00 ₹6,544.34
9.07 %
One Year 2024-07-18 ₹12,000.00 ₹13,232.15
10.27 %
Three Year 2022-07-19 ₹36,000.00 ₹47,089.07
30.80 %
Since Inception 2021-07-01 ₹50,000.00 ₹70,324.24
40.65 %

Return Calculator

SIP Amount
1M
6M
1Y
3Y
5Y
Investment
₹0
Maturity Value
₹0
Abs. Returns
0
Current CAGR
0

Portfolio

Allocation of Equity and Debt Asset Classes.

Equity 81%
Debt 2%
Others 0%

Sectors Holding in HDFC Banking and Financial Services Fund - Regular Plan - Growth

Banks
60%
Insurance
6%
Finance
13%
Capital Markets
2%
Financial Technology (Fintech)
0%
Other
2%

Companies Holding in HDFC Banking and Financial Services Fund - Regular Plan - Growth

HDFC Bank Ltd.
21.51%
ICICI Bank Ltd.
17.88%
Axis Bank Ltd.
7.90%
State Bank Of India
5.51%
Au Small Finance Bank Ltd.
4.13%
Kotak Mahindra Bank Limited
3.24%
SBI Life Insurance Company Ltd.
2.81%
Bajaj Finance Ltd.
2.78%
Five-Star Business Finance Limited
2.78%
Home First Finance Company India Ltd
2.24%
CanFin Homes Ltd.
2.21%
SBFC Finance Limited
2.19%
HDFC Life Insurance Company Limited
1.99%
Shriram Finance Ltd.
1.99%
Karur Vysya Bank Ltd.
1.97%
Nippon Life India Asset Management Limited
1.82%
Equitas Small Finance Bank Ltd
1.72%
Max Financial Services Ltd.
1.64%
Indusind Bank Ltd.
1.52%
ICICI Lombard General Insurance Co
1.38%
Power Finance Corporation Ltd.
1.38%
PNB Housing Finance Ltd.
1.36%
360 ONE WAM LIMITED
1.19%
Medi Assist Healthcare Services Limited
1.02%
DCB Bank Limited
0.94%
Mahindra & Mahindra Financial Services Ltd.
0.03%
Canara Bank
0.56%
Fusion Finance Limited
0.20%
RBL Bank Ltd.
0.42%
One MobiKwik Systems Limited
0.31%
TREPS - Tri-party Repo
2.16%
Net Current Assets
-0.11%

Risk Ratios

Std. Deviation 15.116
Beta 0.918
Sharpe Ratio 0.645
Lock In Period N/A
Residual Maturity N/A

Standard Deviation:

Standard deviation numbers measure the variability or volatility of a fund's returns over a specific time period (often 3 years).
  • Low standard deviation = Stable, predictable returns → Suitable for conservative investors seeking stability.
  • High standard deviation = High volatility, more risk → Be cautious, suitable for risk-tolerant investors who can handle fluctuations.

Beta:

Beta measures a fund's volatility about the market or a benchmark. A lower beta means the fund's performance is less sensitive to market movements, making it more predictable compared to the market.
  • Low beta = Less sensitive to market changes → Great for investors with less market exposure.
  • High beta = More sensitive to market changes → Better for aggressive investors who seek higher returns but can handle market risks.

Sharpe Ratio:

The Sharpe Ratio measures how much return a fund has made compared to the risk it carries. A higher Sharpe ratio indicates better returns relative to the risk taken, meaning the fund delivers more efficiently.
  • A higher Sharpe ratio indicates better risk-adjusted returns → Look for funds with higher ratios for better return efficiency.
  • Use it to compare different funds' efficiency in generating returns relative to the risk taken.

Lock-In Period:

India's "lock-in period" in mutual funds encourages long-term investment, particularly in tax-saving schemes preventing redemption or selling of units.

Lock-in times for various investment types

  • Most ELSS mutual fund holders hold for 3 years.
  • Tax savings FDs lock in for 5 years.
  • The lock-in period for 8% Government of India bond investment is 6 years.
  • ULIPs must be locked in for 5 years.
  • The average hedge fund holding period is 30-90 days.
  • The average PPF investor holds onto their money for 15 years.

Residual Maturity:

Residual maturity is the remaining time until a security reaches its maturity date. It is an important factor for investors to consider when evaluating the risk associated with an investment.

There are two different types of residual maturity.

  • Short-term residual maturity: This occurs when a security has less than a year left on its maturity.
  • Long-term residual maturity: This occurs when a security has more than a year left on its remaining maturity.

Scheme Details

Min. SIP Amount
N/A
Min. Lumpsum Amount
N/A
AUM (in Cr.)
N/A
Expense Ratio Regular
1.89
Expense Ratio Direct
0.57
Lock-in Period
N/A
Fund Age
N/A
Benchmark
N/A
Fund managers
Anand Laddha
Over 20 years Experience
Dhruv Muchhal
Over 10 years Experience

Exit load

1%

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