HealthyDirect · Growth
HDFC Banking and PSU Debt Fund
HDFC Mutual FundDebt Scheme - Banking and PSU Fund12.5 years
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.
- NAV
- 25.4555
- 15 Sept 2026
- 1Y
- +5.3%
- Trailing CAGR
- AUM
- ₹5,186.08 Cr
- 31 Aug 2026
- Volatility
- Low
- 1.6% annualized
NAV
Path not in current snapshots
n/a
Returns
Trailing CAGR and simulated monthly SIP XIRR from daily NAV. Category comparison uses the median of comparable share classes in the peer set.
Trailing CAGR
Point-to-point, calendar-day annualized
- 1Y+5.3%
- 3Y+7.2%
- 5Y+6.3%
- 10Y+7.2%
- SI+7.8%
SIP XIRR
Equal monthly instalments to latest NAV
- 1Y+5.0%
- 3Y+6.6%
- 5Y+6.8%
- 10Y+7.0%
- Since inception
- +7.8%
- Calendar-day CAGR
- Excess 1Y
- -0.3%
- Category median, same plan and option
- 3Y win rate
- +45%
- Windows beating the median
- 3Y percentile
- 50
- Vs comparable share classes
- Worst rolling 3Y
- +4.9%
- 2293 daily-ending windows
- Median rolling 3Y
- +7.9%
- Calendar-day CAGR
- Positive rolling 5Y
- +100%
- 1810 daily-ending windows
- SIP 3Y XIRR
- +6.6%
- Simulated monthly SIP
Drawdown
Peak to trough from a running NAV high. Move across the path to read a date.
Drawdown
Path not in current snapshots
n/a
- Average recovery
- 5 days
- 274 recovered episodes
- Longest recovery
- 64 days
- Trough to prior peak
- Current spell
- 28 days
- Days below latest peak
- Time below peak
- +43%
- NAV observations
6 Mar 2020 – 20 Apr 2020
Trough 24 Mar 2020 · recovered in 27 days
-3.1%
9 Apr 2018 – 17 Jul 2018
Trough 17 May 2018 · recovered in 61 days
-1.7%
23 Apr 2020 – 8 May 2020
Trough 28 Apr 2020 · recovered in 10 days
-1.3%
5 Dec 2016 – 4 Jan 2017
Trough 28 Dec 2016 · recovered in 7 days
-1.1%
Dimensions
0–100 reads of named metrics. The mean is unweighted and only uses dimensions with data.
Returns
50
Vs category
48
Consistency
51
Risk-adjusted
100
Drawdown
92
Mean
68
Portfolio
31 Aug 2026 · 102 holdings · top 10 are 29.6%.
- Top 5
- 17.5%
- Top 10
- 29.6%
- Largest holding
- 5.3%
- Effective holdings
- 58.7
INDIAN RAILWAY FINANCE CORPORATION LIMITED SR 178 7.46 BD 18JU29 FVRS1LAC
Financial
5.3%
Net Current Assets
Unspecified
3.5%
INDIAN RAILWAY FINANCE CORPORATION LIMITED SR 175 7.57 BD 18AP29 FVRS1LAC
Financial
2.9%
BAJAJ HOUSING FINANCE LIMITED 8.10 NCD 08JL27 FVRS1LAC
Financial
2.9%
REC LIMITED SR 216A 7.55 BD 31MR28 FVRS10LAC
Financial
2.9%
Decision
Quantitative read of the live evidence. An explanation can only restate what is already here.
As of 11 Sept 2026
Healthy
Engine status
Healthy
Doing its job
Why this status
- No material deterioration, cost shock, or persistent category underperformance in the current evidence set.
Supporting reads
- The fund beat the category median in 57% of rolling 1-year windows.
- Risk-adjusted return sits above the documented risk-free proxy.
- Peak-to-trough drawdown has stayed shallower than 15%.
Worth investigating
Same-category peers with enough history to inspect beside this fund.
Kotak Banking and PSU Debt Fund
Kotak Mahindra Mutual Fund
- 1Y
- +5.6%
- 3Y
- +7.3%
- Vol
- 1.5%
- Max DD
- -2.8%
- Sharpe
- 1.84
- 3Y win
- +72%
- Lower volatility
- Shallower drawdown
- Higher win rate vs category
- Higher trailing returns
Caveat: Higher TER
ITI Banking & PSU Debt Fund
ITI Mutual Fund
- 1Y
- +5.1%
- 3Y
- +7.0%
- Vol
- 0.8%
- Max DD
- -1.1%
- Sharpe
- 1.27
- 3Y win
- +52%
- Lower volatility
- Shallower drawdown
- Higher win rate vs category
- Lower TER
Caveat: Lower trailing returns
Franklin India Banking & PSU Debt Fund
Franklin Templeton Mutual Fund
- 1Y
- +6.5%
- 3Y
- +7.5%
- Vol
- 1.7%
- Max DD
- -3.6%
- Sharpe
- 1.49
- 3Y win
- +31%
- Lower TER
- Higher trailing returns
Caveat: Higher volatility · Deeper drawdown
Aditya Birla Sun Life Banking & PSU Debt Fund
Aditya Birla Sun Life Mutual Fund
- 1Y
- +5.0%
- 3Y
- +7.0%
- Vol
- 1.6%
- Max DD
- -3.0%
- Sharpe
- 1.81
- 3Y win
- +44%
- Shallower drawdown
Caveat: Higher volatility · Higher TER · Lower trailing returns
Aditya Birla Sun Life Banking & PSU Debt Fund - Retail Plan
Aditya Birla Sun Life Mutual Fund
- 1Y
- +4.5%
- 3Y
- +6.8%
- Vol
- n/a
- Max DD
- -3.1%
- Sharpe
- n/a
- 3Y win
- n/a
- Shallower drawdown
Caveat: Lower trailing returns