Hdfc Banking And Psu Debt Fund Overview
Category Banking and PSU Fund
BMSMONEY Rank 7
Rating
Growth Option 22-04-2025
NAV ₹22.82(R) +0.09% ₹23.74(D) +0.09%
Returns 1Y 3Y 5Y 7Y 10Y
Lumpsum Regular 9.46% 7.05% 6.6% 7.23% 7.49%
Direct 9.89% 7.49% 7.05% 7.69% 7.91%
Benchmark
SIP (XIRR) Regular 10.34% 4.2% 5.58% 6.42% 6.88%
Direct 10.76% 4.6% 6.01% 6.87% 7.33%
Ratio Sharpe Ratio Sortino Ratio Sterling Ratio Jensen's Alpha Treynor Ratio
-0.17 -0.06 0.61 2.13% 0.0
Risk STD. Dev VaR 1Y95% Max DD Beta Semi Devi.
1.06% 0.0% -0.54% 0.62 0.79%

NAV Date: 22-04-2025

Scheme Name NAV Rupee Change Percent Change
HDFC Banking and PSU Debt Fund - IDCW Option - Direct Plan 10.07
-0.0300
-0.3100%
HDFC Banking and PSU Debt Fund - IDCW Option 10.24
0.0000
-0.0100%
HDFC Banking and PSU Debt Fund - Growth Option 22.82
0.0200
0.0900%
HDFC Banking and PSU Debt Fund - Growth Option - Direct Plan 23.74
0.0200
0.0900%

Review Date: 22-04-2025

Beginning of Analysis

Hdfc Banking And Psu Debt Fund is the 7th ranked fund in the Banking and PSU Debt Fund category. The category has total 19 funds. The Hdfc Banking And Psu Debt Fund has shown a very good past performence in Banking and PSU Debt Fund. The fund has a Jensen Alpha of 2.13% which is higher than the category average of 1.9%. Here the fund has shown good performance in terms of risk adjusted returns. The fund has a Sharpe Ratio of -0.17 which is lower than the category average of -0.2.
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 2.02%, 3.33 and 5.14 in last one, three and six months respectively. In the same period the category average return was 1.88%, 3.24% and 5.02% respectively.
  • Hdfc Banking And Psu Debt Fund has given a return of 9.89% in last one year. In the same period the Banking and PSU Debt Fund category average return was 9.72%.
  • The fund has given a return of 7.49% in last three years and ranked 6.0th out of 19 funds in the category. In the same period the Banking and PSU Debt Fund category average return was 7.45%.
  • The fund has given a return of 7.05% in last five years and ranked 5th out of 15 funds in the category. In the same period the Banking and PSU Debt Fund category average return was 6.81%.
  • The fund has given a return of 7.91% in last ten years and ranked 4th out of 13 funds in the category. In the same period the category average return was 7.57%.
  • The fund has given a SIP return of 10.76% in last one year whereas category average SIP return is 10.54%. The fund one year return rank in the category is 10th in 22 funds
  • The fund has SIP return of 4.6% in last three years and ranks 7th in 19 funds. Dsp Banking & Psu Debt Fund has given the highest SIP return (4.85%) in the category in last three years.
  • The fund has SIP return of 6.01% in last five years whereas category average SIP return is 5.91%.

Hdfc Banking And Psu Debt Fund Risk Analysis

  • The fund has a standard deviation of 1.06 and semi deviation of 0.79. The category average standard deviation is 1.34 and semi deviation is 0.96.
  • The fund has a Value at Risk (VaR) of 0.0 and a maximum drawdown of -0.54. The category average VaR is -0.37 and the maximum drawdown is -0.87. The fund has a beta of 0.62 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

  • 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
    22-04-2025 22.8218 23.7449
    21-04-2025 22.802 23.7241
    17-04-2025 22.7715 23.6914
    16-04-2025 22.7368 23.6549
    15-04-2025 22.7126 23.6295
    11-04-2025 22.6898 23.6049
    09-04-2025 22.6568 23.5701
    08-04-2025 22.6273 23.5391
    07-04-2025 22.6379 23.55
    04-04-2025 22.6366 23.5479
    03-04-2025 22.6241 23.5347
    02-04-2025 22.6062 23.5158
    28-03-2025 22.5033 23.4076
    27-03-2025 22.4633 23.3658
    26-03-2025 22.4231 23.3236
    25-03-2025 22.3948 23.294
    24-03-2025 22.3762 23.2745

    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.