HDFC Banking and PSU Debt Fund - Regular Growth Option
HDFC Mutual Fund
₹24.33 (+0.02%)
NAV as of 9 Oct 2026
Minimum Investment: ₹100
Return
3.93% Returns for 1Y
Expense ratio & Others
- Net expense ratio
- 0.77%
- Exit load
- 0%
- Lock-in
- No
- Minimum investment
- ₹100
- Category
- Banking & PSU
Expense ratio is inclusive of GST. Returns may be taxed based on the fund type and your holding period — please read the scheme-related documents and consult a tax advisor. Figures are historical and do not guarantee future results.
Fund Returns Estimator
One-time investment
₹1,000
6 months
₹1,023
Invested ₹1,000
▲+2.35%1 year
₹1,039
Invested ₹1,000
▲+3.93%3 years
₹1,066
Invested ₹1,000
▲+6.64%5 years
₹1,058
Invested ₹1,000
▲+5.80%
Based on the fund’s historic trailing returns — a planning illustration, not a guarantee of future results.
Invest One-TimePlan it your way
The figures above are fixed to this fund’s past returns over set periods. Use a calculator to set your own amount, tenure and expected rate of return.
Risk level
Riskometer scale
- Low
- Low to Moderate
- ModerateThis fund
- Moderate to High
- High
- Very High
Riskometer level assigned by the fund house as per SEBI norms. It can change as the scheme’s portfolio changes.
Fund benchmark
| Primary Index Name | CRISIL Banking & PSU Debt A-II TR INR |
|---|---|
| Secondary Index Name | CRISIL Short Term Bond TR INR |
| Index Name | NIFTY Banking & PSU Debt TR INR |
| Weighting | 100% |
Returns
| 1Y | 3Y | 5Y | 10Y | |
|---|---|---|---|---|
| Fund returns (%) | +3.93% | +6.64% | +5.80% | — |
| Cumulative returns (%) | +3.93% | +21.28% | +32.59% | +89.69% |
Fund Manager
| Manager | Dhruv Muchhal |
|---|---|
| Role | Manager |
| Manager Tenure | 3.28 yrs |
About Fund
| Date of Incorporation | 26 Mar 2014 |
|---|---|
| Fund House | HDFC Mutual Fund |
| Custodian | Citibank N.A. India |
| Registrar / Transfer Agent | HDFC Asset Management Co Ltd |
| Address | Trent House, 3rd Floor, G Block,,Plot No.60, Next to Citibank,,Bandra Kurla Complex,,Bandra (East), |
Top Holdings
| Company | Weightage (%) |
|---|---|
| Indian Railway Finance Corporation Limited | 5.41% |
| Bajaj Housing Finance Limited | 2.96% |
| Indian Railway Finance Corporation Limited | 2.96% |
| Rec Limited | 2.95% |
| 7.26% Gs 2033 | 2.69% |
| Housing And Urban Development Corporation Limited | 2.64% |
| Housing And Urban Development Corporation Limited | 2.52% |
| Small Industries Development Bank Of India | 2.47% |
| State Bank Of India | 2.46% |
| National Bank For Agriculture And Rural Development | 2.46% |
| Power Finance Corporation Limited | 2.44% |
| HDFC Bank Limited | 2.42% |
| Punjab National Bank | 2.39% |
| Power Finance Corporation Limited | 2.33% |
| 7.18% Govt Stock 2033 | 2.19% |
| Small Industries Development Bank Of India | 1.97% |
| Bajaj Housing Finance Limited | 1.97% |
Investment Strategy
To generate income / capital appreciation through investments in debt and money market instruments consisting predominantly of securities issued by entities such as Scheduled Commercial Banks (SCBs), Public Sector undertakings (PSUs), Public Financial Institutions (PFIs), Municipal Corporations and such other bodies. There is no assurance that the investment objective of the Scheme will be realized.
income over short to medium term
Mutual fund investments are subject to market risks. Read all scheme-related documents carefully. The data shown is for information only and does not constitute investment advice.