HDFC Banking & Financial Services Fund

Q: What are the returns of this mutual fund scheme?

The HDFC Banking & Financial Services Fund is a 4 yrs 4 m old fund and has delivered average annual returns of 14.23% since inception. HDFC Banking & Financial Services Fund Returns 1-Year 3-Year Since Inception 13.32% 17.37% 14.23%

NAV as of Oct 20, 2025	Returns since inception	ET Money Rank	AUM (Fund size)
₹17.547+0.63% 1 day change	14.23% p.a.	App exclusive #NA View Ranked Funds	₹4,135 Cr

Historical NAV & returns

NAV: ₹17.547 as on Oct 20, 2025

This fund Category average

HDFC Banking & Financial Services Fund overview

AUM (Fund size)	₹4,135 Cr
Exit load	1.0% Exit load of 1%, if redeemed within 30 days.!
Lock-in Period	Nil
Age	4 yrs 4 m since Jun 11, 2021
Benchmark	NIFTY Financial Services TRI
Min. investment	SIP: ₹500 & Lumpsum: ₹1000
Expense ratio	1.91% as on Sep 30, 2025
Plan type	Regular
Risk	Very High
Short term capital gains (STCG)	Returns taxed at 20% if you redeem before 1 year
Long term capital gains (LTCG)	After 1 year, returns above ₹1.25 lakh in a financial year are taxed at 12.5%

HDFC Banking & Financial Services Fund Returns calculator

Investment type

Monthly investment

₹ 10,000

Investment period

Lumpsum investment

₹1 lakh

Investment period

Disclaimer: Products compared like fixed deposits may provide fixed guaranteed returns. Mutual Funds investments are subject to market risk, read all scheme related documents carefully. Past performance is not an indicator of future returns.

Total investment ₹ 12 lakh
Profit ₹12 lakhs
Total corpus ₹1 lakh
Absolute return 52.69%

Trailing returns as on Oct 17, 2025

Period	This fund	Category average
1 Month	5.32%	4.91%
3 Months	2.81%	3.57%
6 Months	7.35%	8.93%
1 Year	13.32%	14.88%
2 Years	18.91%	21.06%
3 Years	17.37%	18.03%
4 Years	11.45%	12.39%

View returns in detail

Asset allocationas on Sep 30, 2025

Large Cap 68.82%

Mid Cap 11.9%

Small Cap 16.72%

Other Cap 0%

Top holdings

HDFC Bank Ltd.20.47%

ICICI Bank Ltd.16.81%

Axis Bank Ltd.7.63%

Kotak Mahindra Bank Ltd.6.37%

Top sectors

Financial 88.72999999999998%

Insurance 7.15%

Services 1.56%

Credit quality

Bifurcation by Credit Quality is not available for this fund

Top Debt Holdings

Bifurcation by Holding is not available for this fund

Allocation by Instruments

Repo 1.49%

Net Current Assets 1.07%

Other Holdings

Others 1.07%

Detailed portfolio analysis

Peer comparison

Fund name	1M	6M	1Y	3Y	5Y	10Y
HDFC Banking & Financial Services Fund	5.32%	7.35%	13.32%	17.37%	N.A.	N.A.
Sundaram Financial Services Opportunities Fund	5.97%	4.68%	10.64%	18.52%	21.97%	14.36%
Nippon India Banking & Financial Services Fund	4.64%	6.8%	14.29%	18.38%	25.83%	13.97%
SBI Banking & Financial Services Fund	4.81%	11.41%	18.61%	19.31%	21.55%	16.75%
Invesco India Financial Services Fund	5.05%	9.6%	13.34%	20.89%	21.83%	15.32%
Tata Banking and Financial Services Fund	5.79%	7.55%	15.2%	18.32%	20.07%	16.13%

Fund name	Std. deviation	Beta	Sharpe	Sortino
HDFC Banking & Financial Services Fund	12.55	0.88	0.81	1.7
Sundaram Financial Services Opportunities Fund	13.09	0.91	0.88	1.67
Nippon India Banking & Financial Services Fund	12.0	0.84	0.92	1.76
SBI Banking & Financial Services Fund	11.71	0.81	1.03	1.88
Invesco India Financial Services Fund	12.65	0.82	1.04	1.66
Tata Banking and Financial Services Fund	13.0	0.9	0.85	2.04

Fund name	ETM Rank	AUM	Fund age	Expense ratio
HDFC Banking & Financial Services Fund	N.A.	4,135 Cr	4 yrs 4 m	1.91%
Sundaram Financial Services Opportunities Fund	N.A.	1,514 Cr	17 yrs 6 m	2.1%
Nippon India Banking & Financial Services Fund	N.A.	7,185 Cr	22 yrs 5 m	1.84%
SBI Banking & Financial Services Fund	N.A.	8,693 Cr	10 yrs 8 m	1.78%
Invesco India Financial Services Fund	N.A.	1,422 Cr	17 yrs 5 m	2.13%
Tata Banking and Financial Services Fund	N.A.	2,917 Cr	9 yrs 10 m	1.91%

View all Sectoral-banking funds

Key risk & return ratios Compared to other funds in the category

Alpha	4.46 vs. 5.12 Underperformed at beating benchmark
Sharpe	0.81 vs. 3.91 Poor risk-adjusted returns
Beta	0.88 vs. 0.73 More sensitive to market's ups & downs
Standard deviation	12.55 vs. 7.62 More volatile performance

Compare HDFC Banking & Financial Services Fund in detail with

About this fund

About HDFC Banking & Financial Services Fund

HDFC Banking & Financial Services Fund is a Sectoral-Banking mutual fund scheme from Hdfc Mutual Fund. This fund has been in existence for 4 yrs 4 m, having been launched on 11/06/2021. HDFC Banking & Financial Services Fund has ₹4,135 Crores worth of assets under management (AUM) as on 30/09/2025 and is medium-sized fund of its category. The latest Net Asset Value (NAV) of HDFC Banking & Financial Services Fund as of 20/10/2025 is ₹17.55. The fund has an expense ratio of 1.91%, which is higher than what most other Sectoral-banking funds charge.

HDFC Banking & Financial Services Fund returns of last 1-year are 10.26%. Since launch, it has delivered 13.95% average annual returns.
HDFC Banking & Financial Services Fund scheme's ability to deliver returns consistently is in-line with most funds of its category. Its ability to control losses in a falling market is above average.
The fund has the majority of its money invested in Financial, Insurance, Services sectors. It has taken less exposure in Financial, Insurance sectors compared to other funds in the category.
The fund's top 5 holdings are in HDFC Bank Ltd., ICICI Bank Ltd., Axis Bank Ltd., Kotak Mahindra Bank Ltd., State Bank of India.

...

Fund AUM	4,135 Cr as on Sep 30, 2025
Scheme document	View Scheme Document

Fund managers

Anand Laddha

Mr. Laddha has done B.Com. and CA Prior to joining HDFC Asset Management Company Limited, he has worked with Refco-Sify Securities India Pvt. Ltd. Last Position Held - AVP - FII Equity & Derivative Sales. Alchemy Share & Stock Brokers Pvt. Ltd. Last Position Held - Equity & Derivative Sales.

Investment objective

The scheme seeks to provide long-term capital appreciation by investing predominantly in equity and equity related instruments of companies engaged in banking and financial services.

HDFC Mutual Fund details

No. of schemes	78 view all schemes
Total AUM	8,93,028 Cr as on Sep 30, 2025
Address	"HDFC House", 2nd Floor, H. T. Parekh Marg, 165-166, Backbay Reclamation, Churchgate Mumbai, 400020
Email	shareholders.relations@hdfcfund.com
Phone	022 ? 66316333

More funds from HDFC Mutual Fund

Fund name	ETM Rank	AUM	1Y	5Y
HDFC Infrastructure Fund	N.A.	2,522 Cr	4.74%	34.78%
HDFC Small Cap Fund	N.A.	36,828 Cr	6.78%	30.13%
HDFC Mid Cap Fund	N.A.	84,855 Cr	9.09%	29.92%
HDFC Focused Fund	N.A.	23,533 Cr	10.83%	29.28%
HDFC Flexi Cap Fund	N.A.	85,560 Cr	10.8%	29.18%
HDFC Large and Mid Cap Fund	N.A.	26,949 Cr	6.65%	26.59%

See all Equity funds from this AMC

Frequently asked questions

What is the current NAV of HDFC Banking & Financial Services Fund?

The current Net Asset Value (NAV) of the HDFC Banking & Financial Services Fund plan is approximately ₹17.547 as of Oct 20, 2025.

What are the returns of this mutual fund scheme?

The HDFC Banking & Financial Services Fund is a 4 yrs 4 m old fund and has delivered average annual returns of 14.23% since inception.

HDFC Banking & Financial Services Fund Returns

1-Year	3-Year	Since Inception
13.32%	17.37%	14.23%

How much does this mutual fund charge as expense ratio?

The HDFC Banking & Financial Services Fund has an expense ratio of 1.91%, representing the annual cost of managing and operating the fund. This fee is deducted from the fund's AUM while declaring the daily NAV, reducing investor returns.

What is the AUM or fund size of this mutual fund?

The HDFC Banking & Financial Services Fund currently has assets under management (AUM) or fund size valued at approximately 4,135 Cr as on Sep 30, 2025.

What are the top stock holdings of HDFC Banking & Financial Services Fund?

The HDFC Banking & Financial Services Fund has invested the majority of its money in the stocks of the following companies -

Company	Percentage of Portfolio
HDFC Bank Ltd.	20.47%
ICICI Bank Ltd.	16.81%
Axis Bank Ltd.	7.63%
Kotak Mahindra Bank Ltd.	6.37%
State Bank of India	5.91%
AU Small Finance Bank Ltd.	3.8%
Bajaj Finance Ltd.	3.44%
SBI Life Insurance Company Ltd.	2.99%
Shriram Finance Ltd	2.66%
Karur Vysya Bank Ltd.	2.25%

What are the top sectors HDFC Banking & Financial Services Fund has invested in?

The HDFC Banking & Financial Services Fund has primarily invested in the following sectors

Sector	Percentage of Portfolio
Financial	88.72999999999998%
Insurance	7.15%
Services	1.56%

What is risk level of HDFC Banking & Financial Services Fund?

This is a Sectoral-banking fund comes with Very High risk.

Is there any lock-in period in this mutual fund?

No, this fund does not have any lock-in period.

How can I redeem my investments in HDFC Banking & Financial Services Fund?

Redeeming your investments in the HDFC Banking & Financial Services Fund is simple. If you have invested via ET Money, just log in to the app, go to the holdings section, and submit the redemption request.

If you have invested from anywhere else, you can go to the fund house website and put a request through it.