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

HDFC Banking and Financial Services Fund - Regular Plan - Growth

Equity Equity Sectoral Thematic
Fund House : HDFC Mutual Fund
Overview
Returns
Portfolio
Analysis
Peer Comparison
Fund Family
Scheme Details
-
-
  • 1W
  • 2W
  • 1M
  • 3M
  • 6M
  • 1Y
  • 3Y
  • SI
NAV (as on 2025-06-20)
17.04 1.00%
Fund Size (Total Assets)
-
Expense Ratio (Regular)
1.89%
Expense Ratio (Direct)
0.57%
SIP Returns
Period Invested for ₹1000 SIP Started on Investments Latest Value Abs. Returns
One Week 2025-06-13 ₹1,000.00 ₹1,006.62
0.66 %
Two Week 2025-06-05 ₹1,000.00 ₹1,014.05
1.40 %
One Month 2025-05-21 ₹1,000.00 ₹1,025.58
2.56 %
Three Months 2025-03-24 ₹3,000.00 ₹3,142.01
4.73 %
Six Months 2024-12-23 ₹6,000.00 ₹6,570.56
9.51 %
One Year 2024-06-20 ₹12,000.00 ₹13,207.67
10.06 %
Three Year 2022-06-21 ₹36,000.00 ₹47,501.68
31.95 %
Since Inception 2021-07-01 ₹49,000.00 ₹68,705.57
40.22 %
Portfolio Summary
Company Name Sector Sector Type Nav(in %)
HDFC Bank Ltd. Banks Equity 21.51
ICICI Bank Ltd. Banks Equity 17.88
Axis Bank Ltd. Banks Equity 7.90
State Bank of India Banks Equity 5.51
Au Small Finance Bank Ltd. Banks Equity 4.13
Kotak Mahindra Bank Limited Banks Equity 3.24
SBI Life Insurance Company Ltd. Insurance Equity 2.81
Bajaj Finance Ltd. Finance Equity 2.78
Five-Star Business Finance Limited Finance Equity 2.78
Home First Finance Company India Ltd Finance Equity 2.24
CanFin Homes Ltd. Finance Equity 2.21
SBFC Finance Limited Finance Equity 2.19
HDFC Life Insurance Company Limited Insurance Equity 1.99
Shriram Finance Ltd. Finance Equity 1.99
Karur Vysya Bank Ltd. Banks Equity 1.97
Nippon Life India Asset Management Limited Capital Markets Equity 1.82
Equitas Small Finance Bank Ltd Banks Equity 1.72
Max Financial Services Ltd. Insurance Equity 1.64
Indusind Bank Ltd. Banks Equity 1.52
ICICI Lombard General Insurance Co Insurance Equity 1.38
Power Finance Corporation Ltd. Finance Equity 1.38
PNB Housing Finance Ltd. Finance Equity 1.36
360 ONE WAM LIMITED Capital Markets Equity 1.19
Medi Assist Healthcare Services Limited Insurance Equity 1.02
DCB Bank Limited Banks Equity 0.94
Mahindra & Mahindra Financial Services Ltd. Finance Equity 0.03
Canara Bank Banks Equity 0.56
Fusion Finance Limited Finance Equity 0.20
RBL Bank Ltd. Banks Equity 0.42
One MobiKwik Systems Limited Financial Technology (Fintech) Equity 0.31
TREPS - Tri-party Repo - Debt 2.16
Net Current Assets - - -0.11
Risk Ratios
Standard Deviation
15.116
Beta
0.918
Sharpe Ratio
0.645
Lock In Period
-
Residual Maturity
-
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
  • Fund manager(s) : Anand Laddha (Over 20 years), Dhruv Muchhal (Over 10 years),
  • Expense ration regular : 1.89
  • Expense ration direct : 0.57
  • Launch date : -
  • Benchmark : -
  • Min SIP amount : -
  • Max SIP amount : -
  • Min investment amount (one time- first time) : ₹100.00
  • Type : equity
Exit load
1%

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