Hdfc Banking And Psu Debt Fund Datagrid
Category Banking and PSU Fund
BMSMONEY Rank 7
Rating
Growth Option 27-01-2026
NAV ₹23.61(R) +0.02% ₹24.64(D) +0.03%
Returns 1Y 3Y 5Y 7Y 10Y
Lumpsum Regular 6.66% 7.18% 5.78% 6.97% 7.17%
Direct 7.07% 7.6% 6.21% 7.43% 7.62%
Benchmark
SIP (XIRR) Regular 4.79% 6.86% 6.49% 6.06% 6.56%
Direct 5.2% 7.28% 6.91% 6.49% 7.01%
Ratio Sharpe Ratio Sortino Ratio Sterling Ratio Jensen's Alpha Treynor Ratio
1.36 0.79 0.72 0.42% 0.02
Risk STD. Dev VaR 1Y95% Max DD Beta Semi Devi.
1.18% 0.0% -0.17% 0.89 0.8%
Fund AUM As on: 30/12/2025 5829 Cr
Top Banking and PSU Fund
Fund Name Rank Rating
Franklin India Banking & Psu Debt Fund 1
ICICI Prudential Banking & PSU Debt Fund 2
UTI Banking & PSU Fund 3
Kotak Banking And Psu Debt Fund 4
Sundaram Banking & PSU Fund 5

NAV Date: 27-01-2026

Scheme Name NAV Rupee Change Percent Change
HDFC Banking and PSU Debt Fund - IDCW Option - Direct Plan 10.01
0.0000
0.0300%
HDFC Banking and PSU Debt Fund - IDCW Option 10.12
0.0000
0.0200%
HDFC Banking and PSU Debt Fund - Growth Option 23.61
0.0100
0.0200%
HDFC Banking and PSU Debt Fund - Growth Option - Direct Plan 24.64
0.0100
0.0300%

Review Date: 27-01-2026

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 3 star rating shows an average past performance of the Hdfc Banking And Psu Debt Fund in Banking and PSU Debt Fund. The fund has a Jensen Alpha of 0.42% which is lower than the category average of 0.77%, showing poor performance. The fund has a Sharpe Ratio of 1.36 which is higher than the category average of 1.34.
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 -0.13%, 0.59 and 1.89 in last one, three and six months respectively. In the same period the category average return was -0.04%, 0.66% and 1.98% respectively.
  • Hdfc Banking And Psu Debt Fund has given a return of 7.07% in last one year. In the same period the Banking and PSU Debt Fund category average return was 7.04%.
  • The fund has given a return of 7.6% in last three years and ranked 5.0th out of 20 funds in the category. In the same period the Banking and PSU Debt Fund category average return was 7.48%.
  • The fund has given a return of 6.21% in last five years and ranked 6th out of 17 funds in the category. In the same period the Banking and PSU Debt Fund category average return was 6.17%.
  • The fund has given a return of 7.62% in last ten years and ranked 4th out of 14 funds in the category. In the same period the category average return was 7.35%.
  • The fund has given a SIP return of 5.2% in last one year whereas category average SIP return is 5.28%. The fund one year return rank in the category is 13th in 21 funds
  • The fund has SIP return of 7.28% in last three years and ranks 8th in 20 funds. Franklin India Banking & Psu Debt Fund has given the highest SIP return (7.59%) in the category in last three years.
  • The fund has SIP return of 6.91% in last five years whereas category average SIP return is 6.88%.

Hdfc Banking And Psu Debt Fund Risk Analysis

  • The fund has a standard deviation of 1.18 and semi deviation of 0.8. The category average standard deviation is 1.14 and semi deviation is 0.77.
  • The fund has a Value at Risk (VaR) of 0.0 and a maximum drawdown of -0.17. The category average VaR is -0.05 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 % -0.16
    -0.07
    		-0.26 | 0.11 17 | 21 Average
    3M Return % 0.50
    0.57
    		0.19 | 1.06 12 | 21 Good
    6M Return % 1.69
    1.79
    		1.29 | 2.42 13 | 21 Average
    1Y Return % 6.66
    6.66
    		5.90 | 7.43 11 | 21 Good
    3Y Return % 7.18
    7.09
    		6.65 | 7.45 6 | 20 Good
    5Y Return % 5.78
    5.79
    		5.16 | 7.05 7 | 17 Good
    7Y Return % 6.97
    6.86
    		6.32 | 7.64 7 | 15 Good
    10Y Return % 7.17
    6.99
    		6.39 | 7.37 5 | 14 Good
    1Y SIP Return % 4.79
    4.90
    		3.96 | 6.02 13 | 21 Average
    3Y SIP Return % 6.86
    6.83
    		6.34 | 7.24 8 | 20 Good
    5Y SIP Return % 6.49
    6.50
    		6.15 | 7.37 6 | 17 Good
    7Y SIP Return % 6.06
    6.04
    		5.59 | 6.75 7 | 15 Good
    10Y SIP Return % 6.56
    6.47
    		6.02 | 6.78 7 | 14 Good
    Standard Deviation 1.18
    1.14
    		0.82 | 1.59 12 | 20 Average
    Semi Deviation 0.80
    0.77
    		0.54 | 1.09 11 | 20 Average
    Max Drawdown % -0.17
    -0.13
    		-0.40 | 0.00 12 | 20 Average
    VaR 1 Y % 0.00
    -0.05
    		-0.45 | 0.00 15 | 20 Average
    Average Drawdown % -0.13
    -0.09
    		-0.25 | 0.00 13 | 20 Average
    Sharpe Ratio 1.36
    1.34
    		0.89 | 2.05 10 | 20 Good
    Sterling Ratio 0.72
    0.72
    		0.69 | 0.75 6 | 20 Good
    Sortino Ratio 0.79
    0.82
    		0.47 | 1.33 10 | 20 Good
    Jensen Alpha % 0.42
    0.77
    		-1.20 | 2.45 12 | 20 Average
    Modigliani Square Measure % 6.85
    7.17
    		5.23 | 9.22 11 | 20 Average
    Alpha % -0.56
    -0.67
    		-0.97 | -0.27 6 | 20 Good
    Return data last Updated On : Jan. 27, 2026.
    Other parameters, fund ranking, non return related analysis are updated after every month end. Last Updated On : Dec. 31, 2025
    KPIs: Key Performance Indicators

    Rotate the phone! Best viewed in landscape mode on mobile.
    KPIs* Fund Benchmark Cat. Avg Min | Max Rank (In Cat.) Performance
    1M Return % -0.13 -0.04 -0.24 | 0.15 17 | 21 Average
    3M Return % 0.59 0.66 0.26 | 1.13 12 | 21 Good
    6M Return % 1.89 1.98 1.42 | 2.59 13 | 21 Average
    1Y Return % 7.07 7.04 6.20 | 7.78 11 | 21 Good
    3Y Return % 7.60 7.48 6.97 | 7.82 5 | 20 Very Good
    5Y Return % 6.21 6.17 5.55 | 7.31 6 | 17 Good
    7Y Return % 7.43 7.24 6.57 | 7.98 5 | 15 Good
    10Y Return % 7.62 7.35 6.66 | 7.78 4 | 14 Very Good
    1Y SIP Return % 5.20 5.28 4.24 | 6.36 13 | 21 Average
    3Y SIP Return % 7.28 7.21 6.67 | 7.59 8 | 20 Good
    5Y SIP Return % 6.91 6.88 6.61 | 7.64 5 | 17 Very Good
    7Y SIP Return % 6.49 6.40 5.96 | 6.99 5 | 15 Good
    10Y SIP Return % 7.01 6.84 6.31 | 7.19 4 | 14 Very Good
    Standard Deviation 1.18 1.14 0.82 | 1.59 12 | 20 Average
    Semi Deviation 0.80 0.77 0.54 | 1.09 11 | 20 Average
    Max Drawdown % -0.17 -0.13 -0.40 | 0.00 12 | 20 Average
    VaR 1 Y % 0.00 -0.05 -0.45 | 0.00 15 | 20 Average
    Average Drawdown % -0.13 -0.09 -0.25 | 0.00 13 | 20 Average
    Sharpe Ratio 1.36 1.34 0.89 | 2.05 10 | 20 Good
    Sterling Ratio 0.72 0.72 0.69 | 0.75 6 | 20 Good
    Sortino Ratio 0.79 0.82 0.47 | 1.33 10 | 20 Good
    Jensen Alpha % 0.42 0.77 -1.20 | 2.45 12 | 20 Average
    Modigliani Square Measure % 6.85 7.17 5.23 | 9.22 11 | 20 Average
    Alpha % -0.56 -0.67 -0.97 | -0.27 6 | 20 Good
    Return data last Updated On : Jan. 27, 2026.
    Other parameters, fund ranking, non return related analysis are updated after every month end. Last Updated On : Dec. 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
    27-01-2026 23.6082 24.6367
    23-01-2026 23.6025 24.6297
    22-01-2026 23.5994 24.6262
    21-01-2026 23.5762 24.6018
    20-01-2026 23.575 24.6002
    19-01-2026 23.5816 24.6068
    16-01-2026 23.5899 24.6147
    14-01-2026 23.6193 24.6448
    13-01-2026 23.6333 24.6592
    12-01-2026 23.6584 24.6851
    09-01-2026 23.6429 24.6682
    08-01-2026 23.6439 24.6689
    07-01-2026 23.6389 24.6635
    06-01-2026 23.6438 24.6683
    05-01-2026 23.6434 24.6676
    02-01-2026 23.6584 24.6825
    01-01-2026 23.6615 24.6854
    31-12-2025 23.654 24.6773
    30-12-2025 23.6389 24.6613
    29-12-2025 23.6452 24.6677

    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.