Hdfc Banking And Psu Debt Fund Datagrid
Category Banking and PSU Fund
BMSMONEY Rank 6
Rating
Growth Option 04-12-2025
NAV ₹23.63(R) +0.01% ₹24.65(D) +0.01%
Returns 1Y 3Y 5Y 7Y 10Y
Lumpsum Regular 7.65% 7.47% 5.87% 7.23% 7.29%
Direct 8.06% 7.9% 6.31% 7.68% 7.73%
Benchmark
SIP (XIRR) Regular 6.98% 7.62% 6.13% 6.44% 6.8%
Direct 7.39% 8.04% 6.55% 6.87% 7.25%
Ratio Sharpe Ratio Sortino Ratio Sterling Ratio Jensen's Alpha Treynor Ratio
1.52 0.92 0.74 0.44% 0.02
Risk STD. Dev VaR 1Y95% Max DD Beta Semi Devi.
1.14% 0.0% -0.17% 0.88 0.76%
Fund AUM As on: 30/06/2025 6049 Cr
Top Banking and PSU Fund
Fund Name Rank Rating
Franklin India Banking & Psu Debt Fund 1
UTI Banking & PSU Fund 2
ICICI Prudential Banking & PSU Debt Fund 3
Sundaram Banking & PSU Fund 4

NAV Date: 04-12-2025

Scheme Name NAV Rupee Change Percent Change
HDFC Banking and PSU Debt Fund - IDCW Option - Direct Plan 10.03
0.0000
0.0100%
HDFC Banking and PSU Debt Fund - IDCW Option 10.16
0.0000
0.0100%
HDFC Banking and PSU Debt Fund - Growth Option 23.63
0.0000
0.0100%
HDFC Banking and PSU Debt Fund - Growth Option - Direct Plan 24.65
0.0000
0.0100%

Review Date: 04-12-2025

Beginning of Analysis

Hdfc Banking And Psu Debt Fund is the 10th ranked fund in the Banking and PSU Debt Fund category. The category has total 20 funds. The Hdfc Banking And Psu Debt Fund has shown an average past performence in Banking and PSU Debt Fund. The fund has a Jensen Alpha of 0.44% which is lower than the category average of 0.69%, showing poor performance. The fund has a Sharpe Ratio of 1.52 which is lower than the category average of 1.52.
The past performance of the fund may or may not be sustained in the future. The review is not investment advice nor is it a recommendation to buy or sell funds. The ranking is based on proprietary methodology developed by bmsmoney. The methodology is based on the past performance of the funds and does not guarantee future performance.
Banking and PSU Debt Mutual Funds are a category of debt mutual funds that invest primarily in debt instruments issued by banks, public sector undertakings (PSUs), and public financial institutions. These funds must allocate a minimum of 80% of their total assets in debt securities issued by these entities. Banking and PSU Debt Mutual Funds are ideal for conservative investors seeking stable returns with relatively lower risk. However, they may not be suitable for those looking for higher returns or willing to take on more risk. Investors should also consider their investment horizon and tax implications before investing in these funds.

Hdfc Banking And Psu Debt Fund Return Analysis

  • The fund has given a return of 0.42%, 1.98 and 2.43 in last one, three and six months respectively. In the same period the category average return was 0.42%, 1.85% and 2.44% respectively.
  • Hdfc Banking And Psu Debt Fund has given a return of 8.06% in last one year. In the same period the Banking and PSU Debt Fund category average return was 7.9%.
  • The fund has given a return of 7.9% in last three years and ranked 3.0rd out of 20 funds in the category. In the same period the Banking and PSU Debt Fund category average return was 7.71%.
  • The fund has given a return of 6.31% in last five years and ranked 5th out of 17 funds in the category. In the same period the Banking and PSU Debt Fund category average return was 6.19%.
  • The fund has given a return of 7.73% in last ten years and ranked 4th out of 14 funds in the category. In the same period the category average return was 7.46%.
  • The fund has given a SIP return of 7.39% in last one year whereas category average SIP return is 7.22%. The fund one year return rank in the category is 7th in 21 funds
  • The fund has SIP return of 8.04% in last three years and ranks 4th in 20 funds. Kotak Banking And Psu Debt Fund has given the highest SIP return (8.23%) in the category in last three years.
  • The fund has SIP return of 6.55% in last five years whereas category average SIP return is 6.46%.

Hdfc Banking And Psu Debt Fund Risk Analysis

  • The fund has a standard deviation of 1.14 and semi deviation of 0.76. The category average standard deviation is 1.11 and semi deviation is 0.75.
  • The fund has a Value at Risk (VaR) of 0.0 and a maximum drawdown of -0.17. The category average VaR is -0.04 and the maximum drawdown is -0.13. The fund has a beta of 0.78 which shows that fund is less volatile than the benchmark.

Standard deviation measures the fund's return volatility and Semi deviation focuses on downside volatility. Value at Risk (VaR) is a measure of the risk of investments. Maximum Drawdown is the maximum loss from a peak to a trough of a portfolio. Beta measures the volatility of the fund compared to the benchmark. A beta of 1 indicates that the fund will move in line with the benchmark. A beta of more than 1 indicates that the fund will be more volatile than the benchmark and vice versa.


  • Very Good Performance in Banking and PSU Debt Fund Category
  • Good Performance in Banking and PSU Debt Fund Category
  • Poor Performance in Banking and PSU Debt Fund Category
  • Very Poor Performance in Banking and PSU Debt Fund Category

    • Investors beware: Mutual Fund investments are subject to market risks. Please read the scheme related documents carefully.

    Data Source: www.amfiindia.com

    SEBI Categorization


    KPIs* Fund Benchmark Cat. Avg Min | Max Rank (In Cat.) Performance
    1M Return % 0.39
    0.39
    		0.30 | 0.64 9 | 21 Good
    3M Return % 1.88
    1.76
    		1.41 | 2.13 4 | 21 Very Good
    6M Return % 2.23
    2.25
    		1.63 | 2.76 12 | 21 Good
    1Y Return % 7.65
    7.50
    		6.91 | 7.88 9 | 21 Good
    3Y Return % 7.47
    7.32
    		6.94 | 7.62 4 | 20 Very Good
    5Y Return % 5.87
    5.80
    		5.20 | 6.99 5 | 17 Very Good
    7Y Return % 7.23
    7.06
    		6.21 | 7.91 7 | 15 Good
    10Y Return % 7.29
    7.09
    		6.45 | 7.47 5 | 14 Good
    1Y SIP Return % 6.98
    6.83
    		6.10 | 7.42 8 | 21 Good
    3Y SIP Return % 7.62
    7.49
    		7.09 | 7.82 5 | 20 Very Good
    5Y SIP Return % 6.13
    6.09
    		5.75 | 6.88 6 | 17 Good
    7Y SIP Return % 6.44
    6.36
    		5.88 | 6.93 6 | 15 Good
    10Y SIP Return % 6.80
    6.68
    		6.21 | 7.00 5 | 14 Good
    Standard Deviation 1.14
    1.11
    		0.77 | 1.59 11 | 19 Average
    Semi Deviation 0.76
    0.75
    		0.50 | 1.09 10 | 19 Good
    Max Drawdown % -0.17
    -0.13
    		-0.40 | 0.00 11 | 19 Average
    VaR 1 Y % 0.00
    -0.04
    		-0.45 | 0.00 17 | 19 Poor
    Average Drawdown % -0.13
    -0.10
    		-0.25 | 0.00 12 | 19 Average
    Sharpe Ratio 1.52
    1.52
    		1.14 | 2.06 10 | 19 Good
    Sterling Ratio 0.74
    0.74
    		0.71 | 0.76 7 | 19 Good
    Sortino Ratio 0.92
    0.97
    		0.62 | 1.36 10 | 19 Good
    Jensen Alpha % 0.44
    0.69
    		-1.63 | 2.80 12 | 19 Average
    Treynor Ratio 0.02
    0.02
    		0.02 | 0.03 10 | 19 Good
    Modigliani Square Measure % 6.94
    7.22
    		5.22 | 9.43 11 | 19 Average
    Alpha % -0.67
    -0.74
    		-1.01 | -0.48 8 | 19 Good
    Return data last Updated On : Dec. 4, 2025.
    Other parameters, fund ranking, non return related analysis are updated after every month end. Last Updated On : Oct. 31, 2025
    KPIs: Key Performance Indicators

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    KPIs* Fund Benchmark Cat. Avg Min | Max Rank (In Cat.) Performance
    1M Return % 0.42 0.42 0.32 | 0.67 8 | 21 Good
    3M Return % 1.98 1.85 1.55 | 2.22 4 | 21 Very Good
    6M Return % 2.43 2.44 1.76 | 2.93 12 | 21 Good
    1Y Return % 8.06 7.90 7.23 | 8.26 8 | 21 Good
    3Y Return % 7.90 7.71 7.26 | 7.99 3 | 20 Very Good
    5Y Return % 6.31 6.19 5.60 | 7.24 5 | 17 Very Good
    7Y Return % 7.68 7.44 6.40 | 8.25 5 | 15 Good
    10Y Return % 7.73 7.46 6.77 | 7.84 4 | 14 Very Good
    1Y SIP Return % 7.39 7.22 6.40 | 7.80 7 | 21 Good
    3Y SIP Return % 8.04 7.88 7.41 | 8.23 4 | 20 Very Good
    5Y SIP Return % 6.55 6.46 6.16 | 7.15 4 | 17 Very Good
    7Y SIP Return % 6.87 6.73 6.26 | 7.17 5 | 15 Good
    10Y SIP Return % 7.25 7.05 6.51 | 7.42 4 | 14 Very Good
    Standard Deviation 1.14 1.11 0.77 | 1.59 11 | 19 Average
    Semi Deviation 0.76 0.75 0.50 | 1.09 10 | 19 Good
    Max Drawdown % -0.17 -0.13 -0.40 | 0.00 11 | 19 Average
    VaR 1 Y % 0.00 -0.04 -0.45 | 0.00 17 | 19 Poor
    Average Drawdown % -0.13 -0.10 -0.25 | 0.00 12 | 19 Average
    Sharpe Ratio 1.52 1.52 1.14 | 2.06 10 | 19 Good
    Sterling Ratio 0.74 0.74 0.71 | 0.76 7 | 19 Good
    Sortino Ratio 0.92 0.97 0.62 | 1.36 10 | 19 Good
    Jensen Alpha % 0.44 0.69 -1.63 | 2.80 12 | 19 Average
    Treynor Ratio 0.02 0.02 0.02 | 0.03 10 | 19 Good
    Modigliani Square Measure % 6.94 7.22 5.22 | 9.43 11 | 19 Average
    Alpha % -0.67 -0.74 -1.01 | -0.48 8 | 19 Good
    Return data last Updated On : Dec. 4, 2025.
    Other parameters, fund ranking, non return related analysis are updated after every month end. Last Updated On : Oct. 31, 2025
    KPIs: Key Performance Indicators

    Disclaimer: Past performance may or may not be sustained in future and should not be used as a basis for comparison with other investments. Returns for periods above 1 year are annualised.


    Date Hdfc Banking And Psu Debt Fund NAV Regular Growth Hdfc Banking And Psu Debt Fund NAV Direct Growth
    04-12-2025 23.6341 24.6495
    03-12-2025 23.6358 24.651
    02-12-2025 23.6323 24.6471
    01-12-2025 23.6264 24.6407
    28-11-2025 23.6388 24.6528
    27-11-2025 23.6336 24.6471
    26-11-2025 23.6317 24.6449
    25-11-2025 23.6161 24.6283
    24-11-2025 23.6074 24.6191
    21-11-2025 23.5915 24.6017
    20-11-2025 23.5962 24.6062
    19-11-2025 23.5958 24.6056
    18-11-2025 23.5819 24.5908
    17-11-2025 23.5804 24.589
    14-11-2025 23.5772 24.5849
    13-11-2025 23.5819 24.5895
    12-11-2025 23.5834 24.5909
    11-11-2025 23.5707 24.5773
    10-11-2025 23.5675 24.5738
    07-11-2025 23.556 24.5609
    06-11-2025 23.5462 24.5505
    04-11-2025 23.5424 24.546

    Fund Launch Date: 20/Mar/2014
    Fund Category: Banking and PSU Fund
    Investment Objective: 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.
    Fund Description: An open ended debt scheme predominantly investing in debt instruments of banks, public sector undertakings, public financial institutions and municipal bonds)
    Fund Benchmark: CRISIL Short Term Bond Fund Index
    Source: Fund FactSheet

    Disclaimer: NO INVESTMENT ADVICE. The Content is for informational purposes only.