Hdfc Banking And Psu Debt Fund Datagrid
Category Banking and PSU Fund
BMSMONEY Rank 8
Rating
Growth Option 19-08-2026
NAV ₹24.43(R) +0.04% ₹25.54(D) +0.04%
Returns 1Y 3Y 5Y 7Y 10Y
Lumpsum Regular 5.4% 6.98% 6.0% 6.6% 6.89%
Direct 5.79% 7.39% 6.43% 7.05% 7.34%
Benchmark
SIP (XIRR) Regular -24.81% -0.98% 3.29% 4.01% 5.01%
Direct -24.51% -0.59% 3.7% 4.44% 5.45%
Ratio Sharpe Ratio Sortino Ratio Sterling Ratio Jensen's Alpha Treynor Ratio
0.75 0.39 0.67 -0.56% 0.01
Risk STD. Dev VaR 1Y95% Max DD Beta Semi Devi.
1.65% -0.48% -0.53% 1.01 1.08%
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

NAV Date: 19-08-2026

Scheme Name NAV Rupee Change Percent Change
HDFC Banking and PSU Debt Fund - IDCW Option - Direct Plan 10.02
0.0000
0.0400%
HDFC Banking and PSU Debt Fund - IDCW Option 10.13
0.0000
0.0400%
HDFC Banking and PSU Debt Fund - Growth Option 24.43
0.0100
0.0400%
HDFC Banking and PSU Debt Fund - Growth Option - Direct Plan 25.54
0.0100
0.0400%

Review Date: 19-08-2026

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 -0.56% which is lower than the category average of -0.45%, reflecting poor performance. The fund has a Sharpe Ratio of 0.75 which is lower than the category average of 0.81.
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

  • HDFC Banking And Psu Debt Fund has given a return of 5.79% in last one year. In the same period the Banking and PSU Debt Fund category average return was 5.76%.
  • The fund has given a return of 7.39% in last three years and ranked 7.0th out of eighteen funds in the category. In the same period the Banking and PSU Debt Fund category average return was 7.33%.
  • The fund has given a return of 6.43% in last five years and ranked 5th out of sixteen funds in the category. In the same period the Banking and PSU Debt Fund category average return was 6.41%.
  • The fund has given a return of 7.34% in last ten years and ranked 4th out of thirteen funds in the category. In the same period the category average return was 7.13%.
  • The fund has given a SIP return of -24.51% in last one year whereas category average SIP return is -24.59%. The fund one year return rank in the category is 7th in 19 funds
  • The fund has SIP return of -0.59% in last three years and ranks 8th in 18 funds. Franklin India Banking & Psu Debt Fund has given the highest SIP return (-0.16%) in the category in last three years.
  • The fund has SIP return of 3.7% in last five years whereas category average SIP return is 3.67%.

HDFC Banking And Psu Debt Fund Risk Analysis

  • The fund has a standard deviation of 1.65 and semi deviation of 1.08. The category average standard deviation is 1.46 and semi deviation is 0.96.
  • The fund has a Value at Risk (VaR) of -0.48 and a maximum drawdown of -0.53. The category average VaR is -0.33 and the maximum drawdown is -0.36. 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 % 0.51
    0.55
    		0.44 | 0.64 14 | 19 Average
    3M Return % 2.90
    2.58
    		1.87 | 3.07 3 | 19 Very Good
    1Y Return % 5.40
    5.39
    		4.79 | 6.40 8 | 19 Good
    3Y Return % 6.98
    6.96
    		6.56 | 7.28 8 | 18 Good
    5Y Return % 6.00
    6.03
    		5.54 | 7.41 5 | 16 Good
    7Y Return % 6.60
    6.51
    		5.93 | 6.97 6 | 14 Good
    10Y Return % 6.89
    6.78
    		6.33 | 7.11 8 | 13 Good
    1Y SIP Return % -24.81
    -24.87
    		-25.41 | -24.25 7 | 19 Good
    3Y SIP Return % -0.98
    -1.01
    		-1.46 | -0.49 9 | 18 Good
    5Y SIP Return % 3.29
    3.29
    		2.87 | 3.90 7 | 16 Good
    7Y SIP Return % 4.01
    4.02
    		3.63 | 4.76 6 | 14 Good
    10Y SIP Return % 5.01
    4.96
    		4.54 | 5.22 7 | 13 Good
    Standard Deviation 1.65
    1.46
    		0.98 | 2.08 16 | 19 Poor
    Semi Deviation 1.08
    0.96
    		0.63 | 1.41 15 | 19 Average
    Max Drawdown % -0.53
    -0.36
    		-0.89 | 0.00 17 | 19 Poor
    VaR 1 Y % -0.48
    -0.33
    		-1.21 | 0.00 13 | 19 Average
    Average Drawdown % 0.23
    0.17
    		0.00 | 0.38 6 | 19 Good
    Sharpe Ratio 0.75
    0.81
    		0.53 | 1.29 10 | 19 Good
    Sterling Ratio 0.67
    0.67
    		0.63 | 0.71 10 | 19 Good
    Sortino Ratio 0.39
    0.44
    		0.26 | 0.81 9 | 19 Good
    Jensen Alpha % -0.56
    -0.45
    		-1.09 | 0.42 11 | 19 Average
    Treynor Ratio 0.01
    0.02
    		0.01 | 0.03 13 | 19 Average
    Modigliani Square Measure % 1.09
    1.18
    		0.77 | 1.88 10 | 19 Good
    Alpha % -0.57
    -0.75
    		-1.08 | -0.29 5 | 19 Very Good
    Return data last Updated On : Aug. 19, 2026.
    Other parameters, fund ranking, non return related analysis are updated after every month end. Last Updated On : June 30, 2026
    KPIs: Key Performance Indicators

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    KPIs* Fund Benchmark Cat. Avg Min | Max Rank (In Cat.) Performance
    1M Return % 0.54 0.58 0.46 | 0.66 15 | 19 Average
    3M Return % 3.00 2.67 2.01 | 3.14 3 | 19 Very Good
    1Y Return % 5.79 5.76 5.14 | 6.71 6 | 19 Good
    3Y Return % 7.39 7.33 6.89 | 7.62 7 | 18 Good
    5Y Return % 6.43 6.41 5.97 | 7.68 5 | 16 Good
    7Y Return % 7.05 6.87 6.21 | 7.24 5 | 14 Good
    10Y Return % 7.34 7.13 6.54 | 7.51 4 | 13 Very Good
    1Y SIP Return % -24.51 -24.59 -25.12 | -24.01 7 | 19 Good
    3Y SIP Return % -0.59 -0.65 -1.10 | -0.16 8 | 18 Good
    5Y SIP Return % 3.70 3.67 3.36 | 4.18 6 | 16 Good
    7Y SIP Return % 4.44 4.38 3.98 | 5.02 5 | 14 Good
    10Y SIP Return % 5.45 5.33 4.82 | 5.63 6 | 13 Good
    Standard Deviation 1.65 1.46 0.98 | 2.08 16 | 19 Poor
    Semi Deviation 1.08 0.96 0.63 | 1.41 15 | 19 Average
    Max Drawdown % -0.53 -0.36 -0.89 | 0.00 17 | 19 Poor
    VaR 1 Y % -0.48 -0.33 -1.21 | 0.00 13 | 19 Average
    Average Drawdown % 0.23 0.17 0.00 | 0.38 6 | 19 Good
    Sharpe Ratio 0.75 0.81 0.53 | 1.29 10 | 19 Good
    Sterling Ratio 0.67 0.67 0.63 | 0.71 10 | 19 Good
    Sortino Ratio 0.39 0.44 0.26 | 0.81 9 | 19 Good
    Jensen Alpha % -0.56 -0.45 -1.09 | 0.42 11 | 19 Average
    Treynor Ratio 0.01 0.02 0.01 | 0.03 13 | 19 Average
    Modigliani Square Measure % 1.09 1.18 0.77 | 1.88 10 | 19 Good
    Alpha % -0.57 -0.75 -1.08 | -0.29 5 | 19 Very Good
    Return data last Updated On : Aug. 19, 2026.
    Other parameters, fund ranking, non return related analysis are updated after every month end. Last Updated On : June 30, 2026
    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
    19-08-2026 24.4295 25.5444
    18-08-2026 24.4204 25.5347
    17-08-2026 24.4412 25.5561
    14-08-2026 24.4535 25.5683
    13-08-2026 24.4529 25.5673
    12-08-2026 24.4429 25.5567
    11-08-2026 24.4372 25.5505
    10-08-2026 24.4474 25.5609
    07-08-2026 24.4243 25.5359
    06-08-2026 24.4204 25.5316
    05-08-2026 24.4042 25.5144
    04-08-2026 24.3872 25.4964
    03-08-2026 24.3789 25.4874
    31-07-2026 24.3644 25.4716
    30-07-2026 24.348 25.4541
    29-07-2026 24.3658 25.4725
    28-07-2026 24.3646 25.471
    27-07-2026 24.359 25.4648
    24-07-2026 24.3128 25.4158
    23-07-2026 24.3094 25.412
    22-07-2026 24.3143 25.4169
    21-07-2026 24.3237 25.4265
    20-07-2026 24.3053 25.407

    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.