HDFC Mutual Fund · #128628
HDFC Banking and PSU Debt Fund - Regular Plan - Growth Option
Debt · Banking and PSU Fund · Regular · Growth
Regular TER: 0.72% · as of
5-year NAV · change the window using the controls in the rolling-returns card below ↓
2021-10-25 → 2026-10-21
Latest NAV
₹24.2447
as of 2026-10-21 · -0.14% vs 2026-10-19
Earliest NAV in archive
2014-03-26
AMFI archive begins Apr 2006
Trailing CAGR vs assigned benchmark
| Window | Scheme CAGR | Benchmark CAGR | Excess | Period |
|---|---|---|---|---|
| 1y | +3.25% | — | — | 2025-10-23 → today · 1.0y |
| 3y | +6.43% | — | — | 2023-10-23 → today · 3.0y |
| 5y | +5.69% | — | — | 2021-10-22 → today · 5.0y |
| 10y | +6.55% | — | — | 2016-10-21 → today · 10.0y |
Benchmark assignment is mapped by category and sub-category from public sources. "Since inception (in archive)" uses the earliest NAV in the AMFI archive (April 2006 onward).
Rolling 1-year returns distribution · 1210 daily entry points · last 5 years
Imagine buying this fund on any day in this period and holding for exactly one year. Each bar counts how often that ended with a given return: green bars made money, red bars lost money even after a full year. Taller bar = more common outcome.
Median 1y return
+6.6%
Mean 1y return
+5.9%
Best / worst 1y
+10.0% / +2.1%
Windows positive
100%
Longer rolling windows · annualised
Same idea over longer holding periods. Returns are CAGR (annualised) so they're directly comparable to the trailing-CAGR table above.
| Period | Median | Mean | Worst | Best | % positive | Windows |
|---|---|---|---|---|---|---|
| 3y rolling | +7.5% | +7.3% | +4.5% | +9.7% | 100% | 2317 |
| 5y rolling | +6.9% | +7.2% | +5.6% | +8.9% | 100% | 1835 |
| 10y rolling | +7.4% | +7.3% | +6.6% | +7.6% | 100% | 622 |
Monthly returns · since inception (Mar 2014)
How each calendar month went: green months gained, red months lost. Deeper colour = bigger move.
| Year | Jan | Feb | Mar | Apr | May | Jun | Jul | Aug | Sep | Oct | Nov | Dec | Year |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 2026 | -0.1 | +0.8 | -0.5 | +0.4 | +0.1 | +2.1 | +0.2 | -0.1 | -0.0 | -0.4 | · | · | +2.5 |
| 2025 | +0.6 | +0.3 | +1.4 | +1.5 | +1.1 | -0.1 | +0.6 | -0.2 | +0.6 | +0.8 | +0.5 | +0.1 | +7.5 |
| 2024 | +0.6 | +0.8 | +0.7 | +0.3 | +0.9 | +0.5 | +0.9 | +0.7 | +0.8 | +0.5 | +0.5 | +0.5 | +7.9 |
| 2023 | +0.4 | +0.3 | +0.8 | +0.9 | +0.7 | +0.4 | +0.6 | +0.5 | +0.5 | +0.3 | +0.6 | +0.7 | +6.8 |
| 2022 | +0.0 | +0.5 | +0.3 | -0.1 | -0.4 | +0.2 | +0.5 | +0.7 | +0.2 | +0.3 | +0.6 | +0.5 | +3.3 |
| 2021 | -0.1 | -0.6 | +0.6 | +0.6 | +0.7 | +0.2 | +0.5 | +0.6 | +0.4 | +0.1 | +0.4 | +0.2 | +3.7 |
| 2020 | +0.8 | +1.3 | +0.3 | -0.6 | +2.5 | +1.4 | +1.4 | +0.0 | +0.4 | +1.4 | +0.8 | +0.5 | +10.6 |
| 2019 | +0.6 | +0.5 | +1.6 | +0.1 | +1.5 | +0.3 | +1.5 | +0.9 | +0.5 | +1.3 | +1.0 | +0.2 | +10.2 |
| 2018 | +0.4 | -0.3 | +1.6 | -0.8 | -0.0 | +0.5 | +1.1 | +0.5 | -0.1 | +0.6 | +1.4 | +1.0 | +5.9 |
| 2017 | +1.1 | -0.5 | +0.9 | +0.3 | +0.8 | +0.7 | +1.1 | +0.6 | +0.2 | +1.3 | -0.0 | -0.3 | +6.3 |
| 2016 | +0.7 | +0.1 | +1.6 | +0.8 | +0.6 | +0.7 | +1.6 | +1.0 | +1.2 | +0.9 | +1.6 | -0.4 | +10.8 |
| 2015 | +0.7 | +0.6 | +1.8 | +0.6 | +0.7 | +0.7 | +0.7 | +0.6 | +1.1 | +0.9 | +0.4 | +0.5 | +9.8 |
| 2014 | · | · | · | +0.7 | +0.8 | +0.7 | +0.7 | +0.6 | +0.8 | +0.8 | +0.7 | +0.7 | +6.6 |
| Avg | +0.5 | +0.3 | +0.9 | +0.4 | +0.8 | +0.6 | +0.9 | +0.5 | +0.5 | +0.8 | +0.7 | +0.3 | +7.5 |
All values in %. Each cell compares the last NAV of the month with the last NAV of the month before. The latest month is month-to-date; the Year column compounds the months shown on that row. The Avg row is the plain average of each column across the years shown (11 complete calendar years in the last column); the running month is left out of it.
Portfolio mix · asset class breakdown as of 2026-09-30
Size axis (Style Box) · Large / Mid / Small split of latest disclosed holdings
Per AMFI's semi-annual Categorisation of Stocks (top 100 = Large, 101-250 = Mid, 251+ = Small).
- Debt 94.7%
- Cash & Equivalents 4.4%
- ETF / FoF (incl. gold/silver) 0.4%
- REITs & InvITs 0.5%
100% of the fund sits outside AMFI-classified equity: debt, cash, ETF/FoF units, REITs, foreign holdings, or unlisted/pre-IPO paper.
Index overlap
· vs · share of this fund's AUM that sits in stocks the index also includesNo holdings data yet for this fund.
Top stocks held · 102 holdings as of 2026-09-30 See changes vs previous snapshot →
| Stock | Sector | % of fund |
|---|---|---|
| Indian Railways Finance Corp. Ltd.^ | CRISIL AAA | 5.41% |
| Bajaj Housing Finance Ltd.^ | CRISIL AAA | 2.97% |
| Indian Railways Finance Corp. Ltd.^ | CRISIL AAA | 2.96% |
| REC Limited.^ | CRISIL AAA | 2.96% |
| Housing and Urban Development Corporation Ltd.^ | ICRA AAA | 2.52% |
| National Bank for Agri & Rural Dev.^ | CRISIL AAA | 2.47% |
| Power Finance Corporation Ltd.^ | ICRA AAA | 2.44% |
| Punjab National Bank^ | CRISIL AAA | 2.39% |
| Small Industries Development Bank^ | CRISIL AAA | 1.98% |
| Bajaj Housing Finance Ltd.^ | — | 1.97% |
| LIC Housing Finance Ltd.^ | CRISIL AAA | 1.97% |
| Union Bank of India | ICRA A1+ | 1.94% |
| UCO Bank^ | CRISIL A1+ | 1.69% |
| Power Grid Corporation of India Ltd.^ | CRISIL AAA | 1.58% |
| 6.67% GOI MAT 151235^ | Sovereign | 1.53% |
| REC Limited.^ | CRISIL AAA | 1.51% |
| SMFG India Credit Company Ltd^ | ICRA AAA | 1.49% |
| National Housing Bank^ | CARE AAA | 1.49% |
| National Bank for Agri & Rural Dev. | ICRA AAA | 1.48% |
| HDFC Bank Ltd.£^ | CRISIL-AAA | 1.47% |
Sector mix
- Corporate Debt 90.3%
- Sovereign Debt 6.6%
- Sov 2.7%
- Alternative Investment Fund Units 0.4%
Factual data only. No investment advice or recommendation. Read the scheme document and consult a SEBI-registered Investment Adviser for personalised guidance.