Should I invest in HDFC Banking and PSU Debt Fund?

We don't give personal investment advice. HDFC Banking and PSU Debt Fund - IDCW 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: 2.5%. 5-year CAGR: -0.10%.

HDFC

HDFC Banking and PSU Debt Fund - IDCW Option

Latest NAV

₹10.1186

As of

17 Jul 2026

2,971 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	+0.02%	-0.04%	+0.06	2 / 16	Q1
1W	-0.05%	-0.05%	+0.00	5 / 16	Q2
2W	-0.52%	-0.09%	-0.42	16 / 16	Q4
1M	-0.25%	+0.18%	-0.43	11 / 16	Q3
3M	-0.38%	+0.78%	-1.16	16 / 16	Q4
6M	+0.08%	+1.47%	-1.39	14 / 16	Q4
YTD	-0.28%	+1.04%	-1.32	14 / 16	Q4
1Y	-1.19%	+1.94%	-3.14	15 / 16	Q4
2Y	-0.13%	+2.83%	-2.96	15 / 16	Q4
3Y	-0.09%	+2.64%	-2.73	15 / 16	Q4
4Y	-0.05%	+2.55%	-2.60	16 / 16	Q4
5Y	-0.10%	+2.23%	-2.33	15 / 16	Q4
7Y	-0.22%	+1.78%	-2.00	15 / 15	Q4
10Y	-0.03%	+1.61%	-1.64	14 / 14	Q4
Inception	+0.09%	+2.10%	-2.01	15 / 16	Q4

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	-0.28%	+1.31%	-1.59	11 / 12
2025	+0.00%	+3.30%	-3.30	12 / 12
2024	-0.08%	+3.30%	-3.38	12 / 12
2023	-0.02%	+2.35%	-2.37	12 / 12
2022	+0.12%	+0.53%	-0.41	6 / 15
2021	-1.65%	-0.51%	-1.14	11 / 15
2020	+0.36%	+1.99%	-1.63	10 / 16
2019	0.00%	+2.83%	-2.83	16 / 16
2018	+0.63%	+1.78%	-1.15	8 / 16
2017	-0.12%	+1.04%	-1.15	10 / 16
2016	+0.33%	+3.03%	-2.70	11 / 16

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

+0.09%

138 windows

min -2.3% · max 1.7%

60% positive

3-Year rolling

+0.03%

114 windows

min -0.7% · max 0.8%

59% positive

5-Year rolling

-0.02%

90 windows

min -0.5% · max 0.5%

34% positive

7-Year rolling

-0.04%

65 windows

min -0.3% · max 0.3%

34% 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

1.20%

3-year · annualised

Sharpe ratio

-5.55

vs risk-free 6.5%

Sortino ratio

-7.11

Downside-only deviation

Max drawdown

-2.50%

Jun 2025 → Apr 2026

% positive months

44.4%

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 - WEEKLY IDCW Option	Nippon India	₹10.2885	17 Jul 2026
ICICI Prudential Banking and PSU Debt Fund - Quarterly IDCW	ICICI Prudential	₹11.1494	17 Jul 2026
Franklin India Banking and PSU Debt Fund - IDCW	Franklin India	₹10.8960	17 Jul 2026
Kotak Banking and PSU Debt - Monthly Payout of Income Distribution cum capital withdrawal option	Kotak	₹13.0325	17 Jul 2026
LICMF INCOME PLUS FUND - DAILY DIVIDEND OPTION	LIC	₹11.7852	17 Jul 2026

Recent NAVs

Date	NAV
17 Jul 2026	₹10.1186
16 Jul 2026	₹10.1164
15 Jul 2026	₹10.1125
14 Jul 2026	₹10.1060
13 Jul 2026	₹10.1268
10 Jul 2026	₹10.1237
9 Jul 2026	₹10.1172
8 Jul 2026	₹10.1141
7 Jul 2026	₹10.1365
6 Jul 2026	₹10.1745

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 17 Jul 2026, the NAV of HDFC Banking and PSU Debt Fund - IDCW Option is ₹10.1186. It's a Banking & PSU Fund from HDFC, run as a Unknown plan IDCW (dividend) option. NAVs update once per business day from the AMFI feed.

HDFC Banking and PSU Debt Fund - IDCW Option has NAV history starting from 26 Mar 2014, a track record of about 12 years 3 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 - IDCW 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 - IDCW Option has delivered a absolute return of -1.19% — -3.14 pp behind the Banking & PSU Fund category average of 1.94%. The fund ranks #15 of 16 in its category — the bottom (Q4) quartile.

Over the trailing 3-year window, HDFC Banking and PSU Debt Fund - IDCW Option has delivered a CAGR of -0.09% — -2.73 pp behind the Banking & PSU Fund category average of 2.64%. The fund ranks #15 of 16 in its category — the bottom (Q4) quartile.

Over the trailing 5-year window, HDFC Banking and PSU Debt Fund - IDCW Option has delivered a CAGR of -0.10% — -2.33 pp behind the Banking & PSU Fund category average of 2.23%. The fund ranks #15 of 16 in its category — the bottom (Q4) quartile.

₹1 lakh invested in HDFC Banking and PSU Debt Fund - IDCW Option exactly 10 years ago would be worth approximately ₹99,737 today — a multiplier of 1.00×, based on the 10-year CAGR of -0.03%. The category average over the same window would have grown ₹1 lakh to ₹117,353.

A ₹10,000 monthly SIP in HDFC Banking and PSU Debt Fund - IDCW Option over the last 5 years — total invested ₹600,000 — would be worth ₹597,912 today. That's an XIRR (money-weighted annualised return) of -0.14%.

A ₹10,000 monthly SIP for 10 years in HDFC Banking and PSU Debt Fund - IDCW Option = ₹1,200,000 invested. It would currently be worth ₹1,190,963 (multiplier 0.99×). XIRR: -0.15%. 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 - IDCW Option ranks #15 out of 16 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 2.23%; this fund delivered -0.10%.

The worst peak-to-trough decline HDFC Banking and PSU Debt Fund - IDCW Option has experienced over the last 5-year window is 2.50% — its NAV fell from a high on 06 Jun 2025 to a low on 02 Apr 2026. 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 - IDCW Option averaged -0.02% (best 0.50%, worst -0.48%). 34% of rolling windows ended positive. The 5-year Sharpe ratio is -6.20 — negative risk-adjusted performance.

In calendar year 2025, HDFC Banking and PSU Debt Fund - IDCW Option returned 0.00% — lagging the Banking & PSU Fund category average of 3.30% by 3.30 pp. It ranked #12 of 12 in its category that year.

HDFC Banking and PSU Debt Fund - IDCW 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 - IDCW 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: 2.5%. 5-year CAGR: -0.10%.

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