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Home Mf Research Hdfc Banking And Psu Debt Fund Regular Plan Growth
HDFC Mutual Fund

HDFC Banking and PSU Debt Fund - Regular Plan - Growth

Debt Debt Dynamic Bond
Fund House : HDFC Mutual Fund
Overview
Returns
Portfolio
SIP Calculator
Analysis
Peer Comparison
Fund Family
Scheme Details
-
-
  • 1W
  • 2W
  • 1M
  • 3M
  • 6M
  • 1Y
  • 3Y
  • 5Y
  • 10Y
  • SI
NAV (as on 2025-06-13)
23.04 -0.18%
Fund Size (Total Assets)
-
Expense Ratio (Regular)
0.79%
Expense Ratio (Direct)
0.39%
SIP Returns
Period Invested for ₹1000 SIP Started on Investments Latest Value Abs. Returns
One Week 2025-06-06 ₹1,000.00 ₹994.29
-0.57 %
Two Week 2025-05-29 ₹1,000.00 ₹997.05
-0.30 %
One Month 2025-05-14 ₹1,000.00 ₹1,005.36
0.54 %
Three Months 2025-03-17 ₹3,000.00 ₹3,049.60
1.65 %
Six Months 2024-12-16 ₹6,000.00 ₹6,184.10
3.07 %
One Year 2024-06-13 ₹12,000.00 ₹12,629.49
5.25 %
Three Year 2022-06-14 ₹36,000.00 ₹40,818.44
13.38 %
Five Year 2020-06-15 ₹60,000.00 ₹71,652.92
19.42 %
Ten Year 2015-06-16 ₹120,000.00 ₹173,832.15
44.86 %
Since Inception 2014-03-20 ₹137,000.00 ₹208,793.63
52.40 %
Portfolio Summary
Company Name Sector Sector Type Nav(in %)
7.18% GOI MAT 140833 - Debt 3.31
7.26% GOI MAT 060233 - Debt 2.97
6.67% GOI MAT 151235 - Debt 1.70
Floating Rate GOI 2034 - Debt 1.09
7.34% GOI MAT 220464 - Debt 0.88
7.64% Gujarat SDL ISD 170124 MAT 170133 - Debt 0.88
7.1% GOI MAT 080434 - Debt 0.87
7.64% % Gujarat SDL ISD 170124 Mat 170134 - Debt 0.52
6.79% GOI MAT 071034 - Debt 0.51
7.63% Gujarat SDL ISD 240124 Mat 240133 - Debt 0.44
7.63% Gujarat SDL ISD 240124 Mat 240134 - Debt 0.35
7.23% GOI MAT 150439 - Debt 0.18
7.18% GOI MAT 240737 - Debt 0.09
7.63% Maharashtra SDL Mat 310135 - Debt 0.09
Indian Railways Finance Corp. Ltd. - Debt 0.09
Small Industries Development Bank - Debt 0.42
State Bank of India (Tier 2 - Basel III) - Debt 0.41
Housing and Urban Development Corporation Ltd. - Debt 0.42
Bajaj Housing Finance Ltd. - Debt 1.70
REC Limited. - Debt 0.42
HDFC Bank Ltd. - Debt 0.42
Punjab National Bank - Debt 2.11
National Bank for Agri & Rural Dev. - Debt 0.42
Power Finance Corporation Ltd. - Debt 0.42
LIC Housing Finance Ltd. - Debt 0.43
Power Grid Corporation of India Ltd. - Debt 0.76
National Housing Bank - Debt 0.43
SMFG India Credit Company Ltd - Debt 1.26
Pipeline Infrastructure Pvt. Ltd. - Debt 0.42
Export - Import Bank of India - Debt 0.84
TATA Capital Housing Finance Ltd. - Debt 0.84
Mahanagar Telephone Nigam Ltd. - Debt 0.42
Bank of Baroda (Tier 2 - Basel III) - Debt 0.50
Toyota Financial Services India Ltd. - Debt 0.45
HDFC Bank Ltd. (Tier 2 - Basel III) - Debt 0.43
Altius Telecom Infrastructure Trust - Debt 0.42
Indian Oil Corporation Ltd. - Debt 0.42
Indian Bank (Tier 2 - Basel III) - Debt 0.41
Poonawalla Fincorp Ltd - Debt 0.41
Bajaj Finance Ltd. - Debt 0.08
TREPS - Tri-party Repo - Debt 0.55
Corporate Debt Market Development Fund - - 0.28
Net Current Assets - - 2.65
SIP Calculator
Risk Ratios
Standard Deviation
-
Beta
-
Sharpe Ratio
-
Lock In Period
-
Residual Maturity
4.68
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) : Anil Bamboli (Over 30 years), Dhruv Muchhal (Over 10 years),
  • Expense ration regular : 0.79
  • Expense ration direct : 0.39
  • Launch date : -
  • Benchmark : -
  • Min SIP amount : -
  • Max SIP amount : -
  • Min investment amount (one time- first time) : ₹100.00
  • Type : debt
Exit load
Nil

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