Should I invest in HDFC Banking and PSU Debt Fund?

We don't give personal investment advice. HDFC Banking and PSU Debt Fund - Growth Option is suitable for an investor whose:understands what asset class this scheme actually invests in (check the factsheet)matches that asset class's volatility profile to their goal horizonCross-check the numbers above against alternatives before deciding. Worst 5-year drawdown: 0.9%. 5-year CAGR: 5.69%.

HDFC

HDFC Banking and PSU Debt Fund - Growth Option

Latest NAV

₹23.8416

As of

3 Jun 2026

2,940 NAV records on file

NAV history & peer comparison

All NAVs split-adjusted and normalised to 100 at the start of the selected period, so funds with very different absolute NAV scales can be compared on one axis.

Period

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Returns matrix

Fund return alongside the category average and peer rank for every standard window. Returns under one year are absolute; one year and longer are compound annualised (CAGR).

Window	Fund	Category avg	+/− vs avg	Rank	Quartile
1D	+0.07%	+0.05%	+0.02	2 / 6	Q2
1W	+0.28%	+0.16%	+0.12	1 / 6	Q1
2W	+0.46%	+0.28%	+0.17	1 / 6	Q1
1M	+0.17%	+0.05%	+0.12	2 / 6	Q2
3M	+0.12%	+0.31%	-0.19	6 / 6	Q4
6M	+0.92%	+1.23%	-0.32	5 / 6	Q4
YTD	+0.79%	+0.91%	-0.12	5 / 6	Q4
1Y	+3.17%	+3.96%	-0.79	5 / 6	Q4
2Y	+6.36%	+6.79%	-0.43	5 / 6	Q4
3Y	+6.52%	+6.67%	-0.15	4 / 5	Q4
4Y	+6.54%	+6.72%	-0.18	4 / 5	Q4
5Y	+5.69%	+5.87%	-0.18	4 / 5	Q4
7Y	+6.57%	+6.65%	-0.08	4 / 5	Q4
10Y	+6.93%	+7.03%	-0.10	5 / 5	Q4
Inception	+7.39%	+7.55%	-0.17	4 / 6	Q3

Quartile legend: Q1 top 25% Q2 25-50% Q3 50-75% Q4 bottom 25%

Calendar-year returns

Full-year performance vs category average. Current year is partial (year-to-date).

Year	Fund	Category avg	+/− vs avg	Rank
2026 YTD	+0.79%	+1.08%	-0.29	5 / 5
2025	+7.45%	+7.58%	-0.13	4 / 5
2024	+7.81%	+7.82%	-0.01	4 / 5
2023	+6.83%	+6.90%	-0.07	3 / 5
2022	+3.28%	+3.52%	-0.24	3 / 5
2021	+3.61%	+3.81%	-0.20	5 / 5
2020	+10.50%	+9.99%	+0.51	2 / 5
2019	+10.23%	+10.61%	-0.38	4 / 5
2018	+5.78%	+5.21%	+0.57	4 / 6
2017	+6.00%	+5.74%	+0.27	1 / 6
2016	+10.78%	+10.50%	+0.28	2 / 6

Rolling returns

Removes start-date bias by averaging CAGR over every overlapping N-year window in the fund's history. Higher average plus tight min/max plus high "% positive" = consistent.

1-Year rolling

+7.52%

137 windows

min 2.4% · max 11.9%

100% positive

3-Year rolling

+7.28%

113 windows

min 4.6% · max 9.6%

100% positive

5-Year rolling

+7.24%

88 windows

min 5.7% · max 8.8%

100% positive

7-Year rolling

+7.27%

64 windows

min 6.5% · max 8.6%

100% positive

SIP returns — historical "what if"

If you had invested every month in this fund over the chosen period, this is what your investment would be worth today.

Period

Total invested

₹ —

Today's value

₹ —

XIRR

Annualised

Wealth multiplier

Period	Total invested	Today's value	XIRR	Wealth multiplier

XIRR is the annualised internal rate of return on the SIP cash flow — invariant to the monthly amount. "Today's value" and "Total invested" scale linearly with the slider. Past performance does not guarantee future returns. Excludes exit load and taxes.

Risk profile

Risk-adjusted return and volatility, computed from monthly NAV returns over the trailing 3-year and 5-year windows.

Std deviation

1.49%

3-year · annualised

Sharpe ratio

-0.10

vs risk-free 6.5%

Sortino ratio

—

Downside-only deviation

Max drawdown

-0.75%

Mar 2026 → Apr 2026

% positive months

91.7%

Share of monthly returns > 0 over the 3-year window

Sharpe / Sortino use a risk-free rate of 6.5% (1-year T-bill proxy). Higher Sharpe = more return per unit of total risk; higher Sortino = more return per unit of downside risk.

Peers in Banking & PSU Fund

Scheme	Fund house	NAV	As of
Nippon India Banking and PSU Fund- Growth Plan- Growth Option	Nippon India	₹21.4737	3 Jun 2026
ICICI Prudential Banking and PSU Debt Fund - Growth	ICICI Prudential	₹34.0911	3 Jun 2026
Franklin India Banking & PSU Debt Fund - Growth	Franklin India	₹23.6120	3 Jun 2026
Kotak Banking and PSU Debt - Growth	Kotak	₹68.0401	3 Jun 2026

Recent NAVs

Date	NAV
3 Jun 2026	₹23.8416
2 Jun 2026	₹23.8489
1 Jun 2026	₹23.8311
29 May 2026	₹23.8187
27 May 2026	₹23.8034
26 May 2026	₹23.7826
25 May 2026	₹23.7765
22 May 2026	₹23.7290
21 May 2026	₹23.7059
20 May 2026	₹23.7299

Frequently asked questions

These answers are generated from this fund's live metrics — NAV, returns, peer rank, drawdown, SIP backtest. Numbers refresh nightly after AMFI's NAV feed lands.

As of 03 Jun 2026, the NAV of HDFC Banking and PSU Debt Fund - Growth Option is ₹23.8416. It's a Banking & PSU Fund from HDFC, run as a Unknown plan Growth option. NAVs update once per business day from the AMFI feed.

HDFC Banking and PSU Debt Fund - Growth Option has NAV history starting from 26 Mar 2014, a track record of about 12 years 2 months. That's enough history to evaluate the fund across one or two market cycles. Look at rolling returns rather than point-to-point to judge consistency.

HDFC Banking and PSU Debt Fund - Growth Option is managed by HDFC. It's classified by AMFI under the 'Banking & PSU Fund' SEBI category, which determines its peer set and tax treatment.

Over the trailing 1-year window, HDFC Banking and PSU Debt Fund - Growth Option has delivered a absolute return of 3.17% — -0.79 pp behind the Banking & PSU Fund category average of 3.96%. The fund ranks #5 of 6 in its category — the bottom (Q4) quartile.

Over the trailing 3-year window, HDFC Banking and PSU Debt Fund - Growth Option has delivered a CAGR of 6.52% — -0.15 pp behind the Banking & PSU Fund category average of 6.67%. The fund ranks #4 of 5 in its category — the bottom (Q4) quartile.

Over the trailing 5-year window, HDFC Banking and PSU Debt Fund - Growth Option has delivered a CAGR of 5.69% — -0.18 pp behind the Banking & PSU Fund category average of 5.87%. The fund ranks #4 of 5 in its category — the bottom (Q4) quartile.

₹1 lakh invested in HDFC Banking and PSU Debt Fund - Growth Option exactly 10 years ago would be worth approximately ₹195,487 today — a multiplier of 1.95×, based on the 10-year CAGR of 6.93%. The category average over the same window would have grown ₹1 lakh to ₹197,236.

A ₹10,000 monthly SIP in HDFC Banking and PSU Debt Fund - Growth Option over the last 5 years — total invested ₹600,000 — would be worth ₹700,312 today. That's an XIRR (money-weighted annualised return) of 6.12%.

A ₹10,000 monthly SIP for 10 years in HDFC Banking and PSU Debt Fund - Growth Option = ₹1,200,000 invested. It would currently be worth ₹1,671,660 (multiplier 1.39×). XIRR: 6.45%. Long-horizon SIP results matter more than point-to-point returns because they smooth out entry timing.

On a 5-year basis, HDFC Banking and PSU Debt Fund - Growth Option ranks #4 out of 5 funds in the Banking & PSU Fund category — that places it in the bottom quartile (Q4) — material underperformance. The category average return over the same window is 5.87%; this fund delivered 5.69%.

The worst peak-to-trough decline HDFC Banking and PSU Debt Fund - Growth Option has experienced over the last 5-year window is 0.89% — its NAV fell from a high on 05 Apr 2022 to a low on 09 May 2022. Drawdown is a useful gauge of how much short-term pain you'd have endured to capture the long-term return.

Across all 5-year rolling windows, HDFC Banking and PSU Debt Fund - Growth Option averaged 7.24% (best 8.82%, worst 5.69%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is -0.67 — negative risk-adjusted performance.

In calendar year 2025, HDFC Banking and PSU Debt Fund - Growth Option returned 7.45% — lagging the Banking & PSU Fund category average of 7.58% by 0.13 pp. It ranked #4 of 5 in its category that year.

HDFC Banking and PSU Debt Fund - Growth Option doesn't fit cleanly into the standard Equity/Debt buckets in our taxonomy. Tax treatment depends on actual asset allocation as disclosed by the AMC — check the factsheet or AMFI's classification table.

We don't give personal investment advice. HDFC Banking and PSU Debt Fund - Growth Option is suitable for an investor whose:

understands what asset class this scheme actually invests in (check the factsheet)
matches that asset class's volatility profile to their goal horizon

Cross-check the numbers above against alternatives before deciding. Worst 5-year drawdown: 0.9%. 5-year CAGR: 5.69%.

Educational content only — not investment advice. Tax rules summarised above reflect Budget 2024; consult a qualified adviser before transacting.

HDFC Banking and PSU Debt Fund - Growth Option

NAV history & peer comparison

Returns matrix

Calendar-year returns

Rolling returns

SIP returns — historical "what if"

Risk profile

Peers in Banking & PSU Fund

Recent NAVs

Frequently asked questions

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