HDFC Banking and PSU Debt Fund

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

The HDFC Banking and PSU Debt Fund is a 11 yrs 7 m old fund and has delivered average annual returns of 7.64% since inception. HDFC Banking and PSU Debt Fund Returns 1-Year 3-Year 5-Year 10-Year Since Inception 7.88% 7.53% 5.92% 7.29% 7.64%

Q: How much does this mutual fund charge as expense ratio?

The HDFC Banking and PSU Debt Fund has an expense ratio of 0.78% , 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.

NAV as of Oct 20, 2025	Returns since inception	ET Money Rank	AUM (Fund size)
₹23.4867+0.04% 1 day change	7.64% p.a.	App exclusive #NA View Ranked Funds	₹5,860 Cr

Historical NAV & returns

NAV: ₹23.4867 as on Oct 20, 2025

This fund Category average

HDFC Banking and PSU Debt Fund overview

AUM (Fund size)	₹5,860 Cr
Exit load	0%
Lock-in Period	Nil
Age	11 yrs 7 m since Mar 20, 2014
Benchmark	Nifty Banking & PSU Debt Index A-II
Min. investment	SIP: ₹500 & Lumpsum: ₹1000
Expense ratio	0.78% as on Sep 30, 2025
Plan type	Regular
Risk	Moderate
Tax on your gains	Profits are added to your income and taxed as per your slab rate

HDFC Banking and PSU Debt 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 26, 2025

Period	This fund	Category average
1 Month	0.79%	0.72%
3 Months	1.16%	1.21%
6 Months	2.88%	2.93%
1 Year	7.88%	7.82%
2 Years	8.01%	7.97%
3 Years	7.53%	7.47%
4 Years	6.3%	6.27%
5 Years	5.92%	5.8%
7 Years	7.36%	7.15%
10 Years	7.29%	7.09%

Asset allocationas on Sep 30, 2025

Large Cap 0%

Mid Cap 0%

Small Cap 0%

Other Cap 0%

Top holdings

Bifurcation by Holding is not available for this fund

Top sectors

Bifurcation by Sector is not available for this fund

AAA 83.08%

SOV 11.73%

Cash & Call Money 3.4%

AA+ 1.49%

Top Debt Holdings

GOI 8.69%

National Bank For Agriculture & Rural Development 5.4%

Housing & Urban Development Corporation Ltd. 3.43%

State Bank of India 2.45%

Allocation by Instruments

Debenture 39.89999999999999%

Non Convertible Debenture 21.259999999999998%

Bonds 15.889999999999999%

GOI Securities 8.690000000000001%

Other Holdings

Others 3.2%

Detailed portfolio analysis

Peer comparison

Fund name	1M	6M	1Y	3Y	5Y	10Y
HDFC Banking and PSU Debt Fund	0.79%	2.88%	7.88%	7.53%	5.92%	7.29%
ICICI Prudential Banking & PSU Debt Fund	0.74%	3.02%	7.97%	7.62%	6.29%	7.4%
Axis Banking & PSU Debt Fund	0.7%	3.06%	8.0%	7.36%	5.79%	7.22%
Bandhan Banking and PSU Fund	0.57%	2.89%	7.59%	7.29%	5.75%	7.17%
Sundaram Banking & PSU Fund	0.72%	3.06%	8.05%	7.65%	5.65%	6.66%
Aditya Birla Sun Life Banking & PSU Debt Fund	0.81%	2.88%	7.89%	7.55%	5.96%	7.46%

Fund name	Std. deviation	Beta	Sharpe	Sortino
HDFC Banking and PSU Debt Fund	1.14	2.66	0.73	1.16
ICICI Prudential Banking & PSU Debt Fund	0.87	1.84	1.11	1.68
Axis Banking & PSU Debt Fund	0.99	2.42	0.72	1.26
Bandhan Banking and PSU Fund	0.92	2.39	0.72	1.22
Sundaram Banking & PSU Fund	1.08	2.64	0.92	1.69
Aditya Birla Sun Life Banking & PSU Debt Fund	1.13	2.58	0.78	1.17

Fund name	ETM Rank	AUM	Fund age	Expense ratio
HDFC Banking and PSU Debt Fund	N.A.	5,860 Cr	11 yrs 7 m	0.78%
ICICI Prudential Banking & PSU Debt Fund	N.A.	9,744 Cr	15 yrs 9 m	0.73%
Axis Banking & PSU Debt Fund	N.A.	13,056 Cr	13 yrs 4 m	0.63%
Bandhan Banking and PSU Fund	N.A.	13,082 Cr	12 yrs 8 m	0.66%
Sundaram Banking & PSU Fund	N.A.	400 Cr	20 yrs 10 m	0.41%
Aditya Birla Sun Life Banking & PSU Debt Fund	N.A.	9,057 Cr	17 yrs 6 m	0.73%

View all Banking And Psu funds

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

Alpha	5.61 vs. 3.98 Higher outperformance against benchmark
Sharpe	0.73 vs. 4.44 Poor risk-adjusted returns
Beta	2.66 vs. 1.83 More sensitive to market's ups & downs
Standard deviation	1.14 vs. 1.06 More volatile performance

Compare HDFC Banking and PSU Debt Fund in detail with

About this fund

About HDFC Banking and PSU Debt Fund

HDFC Banking and PSU Debt Fund is a Banking and PSU mutual fund scheme from Hdfc Mutual Fund. This fund has been in existence for 11 yrs 7 m, having been launched on 20/03/2014. HDFC Banking and PSU Debt Fund has ₹5,860 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 and PSU Debt Fund as of 20/10/2025 is ₹23.49. The fund has an expense ratio of 0.78%, which is higher than what most other Banking And Psu funds charge.

HDFC Banking and PSU Debt Fund returns of last 1-year are 7.91%. Since launch, it has delivered 7.65% average annual returns. The fund has doubled the money invested in it every 10 yrs.
HDFC Banking and PSU Debt 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 average.
The fund's credit profile is very high indicating it has lent to borrowers whose quality is excellent. Most funds in this category lend to better borrowers and hence the risk of default in this fund is higher than the category.
The fund's top holdings are in GOI, National Bank For Agriculture & Rural Development, Housing & Urban Development Corporation Ltd., State Bank of India, Power Grid Corporation Of India Ltd..

...

Fund AUM	5,860 Cr as on Sep 30, 2025
Scheme document	View Scheme Document

Fund managers

Anil Bamboli

Mr. Bamboli is a CFA from Association for Investment Management and Research, U.S.A, Masters in Management Studies (Finance) and a Graduate in Cost and Works Accountant from ICWAI. Prior to joining HDFC AMC he has worked with SBI Fund Management for 11 years.

Investment objective

The scheme seeks 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.

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	3Y
HDFC Income Plus Arbitrage Active FoF	N.A.	1,725 Cr	1.35%	12.5%
HDFC Nifty G-Sec July 2031 Index	N.A.	677 Cr	8.79%	N.A.
HDFC Nifty G-Sec Sep 2032 Index	N.A.	654 Cr	8.77%	N.A.
HDFC NIFTY G-Sec Jun 2036 Index Fund	N.A.	966 Cr	7.83%	N.A.
HDFC Floating Rate Debt Fund	N.A.	15,446 Cr	8.0%	7.94%
HDFC Corporate Bond Fund	N.A.	35,574 Cr	7.9%	7.92%

See all Debt funds from this AMC

Frequently asked questions

What is the current NAV of HDFC Banking and PSU Debt Fund?

The current Net Asset Value (NAV) of the HDFC Banking and PSU Debt Fund plan is approximately ₹23.4867 as of Oct 20, 2025.

What are the returns of this mutual fund scheme?

The HDFC Banking and PSU Debt Fund is a 11 yrs 7 m old fund and has delivered average annual returns of 7.64% since inception.

HDFC Banking and PSU Debt Fund Returns

1-Year	3-Year	5-Year	10-Year	Since Inception
7.88%	7.53%	5.92%	7.29%	7.64%

How much does this mutual fund charge as expense ratio?

The HDFC Banking and PSU Debt Fund has an expense ratio of 0.78%, 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 and PSU Debt Fund currently has assets under management (AUM) or fund size valued at approximately 5,860 Cr as on Sep 30, 2025.

To whom does HDFC Banking and PSU Debt Fund lend to?

The top 3 debt holdings of HDFC Banking and PSU Debt Fund are as follows

Holding Name	Percentage of Portfolio
GOI	8.69%
National Bank For Agriculture & Rural Development	5.4%
Housing & Urban Development Corporation Ltd.	3.43%

What is the quality of borrowers this mutual fund scheme lends to?

The credit rating of the instruments in which the fund invests represents the quality of the borrower.

The HDFC Banking and PSU Debt Fund allocation by credit quality is given below

Credit Quality	Percentage of Portfolio
AAA	83.08%
SOV	11.73%
Cash & Call Money	3.4%

What is risk level of HDFC Banking and PSU Debt Fund?

This is a Banking And Psu fund comes with Moderate 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 and PSU Debt Fund?

Redeeming your investments in the HDFC Banking and PSU Debt 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.

ET Money rank

App exclusive

in Banking and PSU

#NA

Return Outperformance: This fund has generated highest return amongst Banking and PSU funds in the last 10 Years.
Exit Load: This fund has no exit load.
Return/Risk: The fund is performing poorly than its category.