Should I invest in HDFC Banking & Financial Services Fund?

We don't give personal investment advice. HDFC Banking & Financial Services Fund - Growth Option - Direct Plan is suitable for an investor whose:time horizon is **5+ years** — equity funds can drop 30-50% in bad years; horizons under 5 years materially raise the risk of selling at a lossrisk tolerance accepts seeing the portfolio fall sharply without panic-sellinggoal isn't capital preservation in the short termCross-check the numbers above against alternatives before deciding. Worst 5-year drawdown: 21.7%. 5-year CAGR: 14.63%.

HDFC

HDFC Banking & Financial Services Fund - Growth Option - Direct Plan

Latest NAV

₹19.7420

As of

17 Jul 2026

1,242 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	+1.14%	-0.05%	+1.18	5 / 258	Q1
1W	-0.04%	-0.18%	+0.15	105 / 258	Q2
2W	+0.42%	-0.17%	+0.59	97 / 259	Q2
1M	+3.56%	+1.63%	+1.93	59 / 259	Q1
3M	+4.86%	+4.83%	+0.03	117 / 259	Q2
6M	+2.18%	+4.61%	-2.42	139 / 250	Q3
YTD	+2.16%	+2.98%	-0.82	119 / 247	Q2
1Y	+7.09%	+5.46%	+1.63	92 / 235	Q2
2Y	+9.31%	+4.09%	+5.22	39 / 187	Q1
3Y	+14.50%	+15.93%	-1.43	91 / 148	Q3
4Y	+19.11%	+17.58%	+1.53	55 / 121	Q2
5Y	+14.63%	+13.72%	+0.91	54 / 110	Q2
7Y	—	—	—	—	—
10Y	—	—	—	—	—
Inception	+14.63%	+12.07%	+2.56	110 / 259	Q2

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	+2.16%	+3.40%	-1.24	118 / 244
2025	+17.36%	+4.41%	+12.95	25 / 208
2024	+11.03%	+23.18%	-12.15	137 / 155
2023	+22.80%	+33.51%	-10.72	109 / 127
2022	+16.99%	+4.32%	+12.67	17 / 116
2021	—	—	—	—

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

+16.47%

50 windows

min -2.4% · max 38.8%

98% positive

Limited basis — fund is young, so this average may be skewed by which 1Y windows happen to be available.

3-Year rolling

+17.68%

26 windows

min 12.4% · max 25.2%

100% positive

Limited basis — fund is young, so this average may be skewed by which 3Y windows happen to be available.

5-Year rolling

+14.63%

1 window

min 14.6% · max 14.6%

100% positive

Limited basis — fund is young, so this average may be skewed by which 5Y windows happen to be available.

7-Year rolling

—

Insufficient history

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

14.83%

3-year · annualised

Sharpe ratio

0.55

vs risk-free 6.5%

Sortino ratio

0.97

Downside-only deviation

Max drawdown

-17.07%

Feb 2026 → Mar 2026

% positive months

58.3%

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 Sectoral/Thematic Fund

Scheme	Fund house	NAV	As of
HDFC Business Cycle Fund - Growth Option - Direct Plan	HDFC	₹15.8610	17 Jul 2026
Nippon India Active Momentum Fund-Direct Plan - Growth Option	Nippon India	₹13.0154	17 Jul 2026
SBI Automotive Opportunities Fund - Direct Plan - Growth	SBI	₹12.5868	17 Jul 2026
ICICI Prudential Active Momentum Fund - Direct Plan - Growth	ICICI Prudential	₹10.8700	17 Jul 2026
Invesco India Business Cycle Fund - Direct Plan - Growth	Invesco	₹14.5000	17 Jul 2026
Bandhan Business Cycle Fund - Direct Plan - Growth	Bandhan	₹10.1960	17 Jul 2026
quant BFSI Fund - Growth Option - Direct Plan	Quant	₹22.0723	17 Jul 2026
QUANTUM ESG BEST IN CLASS STRATEGY FUND - DIRECT PLAN - GROWTH OPTION	Quantum	₹24.7900	17 Jul 2026
Aditya Birla Sun Life Banking and Financial Services Fund - Direct Plan - Growth	Aditya Birla Sun Life	₹72.8200	17 Jul 2026
Motilal Oswal Active Momentum Fund- Direct-Growth	Motilal Oswal	₹13.5242	17 Jul 2026

Recent NAVs

Date	NAV
17 Jul 2026	₹19.7420
16 Jul 2026	₹19.5200
15 Jul 2026	₹19.6830
14 Jul 2026	₹19.5280
13 Jul 2026	₹19.7890
10 Jul 2026	₹19.7490
9 Jul 2026	₹19.4470
8 Jul 2026	₹19.2660
7 Jul 2026	₹19.7490
6 Jul 2026	₹19.7590

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 & Financial Services Fund - Growth Option - Direct Plan is ₹19.7420. It's a Sectoral/Thematic Fund from HDFC, run as a Direct plan Growth option. NAVs update once per business day from the AMFI feed.

HDFC Banking & Financial Services Fund - Growth Option - Direct Plan has NAV history starting from 01 Jul 2021, a track record of about 5 years. 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 & Financial Services Fund - Growth Option - Direct Plan is managed by HDFC. It's classified by AMFI under the 'Sectoral/Thematic Fund' SEBI category, which determines its peer set and tax treatment.

Over the trailing 1-year window, HDFC Banking & Financial Services Fund - Growth Option - Direct Plan has delivered a absolute return of 7.09% — +1.63 pp ahead of the Sectoral/Thematic Fund category average of 5.46%. The fund ranks #92 of 235 in its category — the second (Q2) quartile.

Over the trailing 3-year window, HDFC Banking & Financial Services Fund - Growth Option - Direct Plan has delivered a CAGR of 14.50% — -1.43 pp behind the Sectoral/Thematic Fund category average of 15.93%. The fund ranks #91 of 148 in its category — the third (Q3) quartile.

Over the trailing 5-year window, HDFC Banking & Financial Services Fund - Growth Option - Direct Plan has delivered a CAGR of 14.63% — +0.91 pp ahead of the Sectoral/Thematic Fund category average of 13.72%. The fund ranks #54 of 110 in its category — the second (Q2) quartile.

₹1 lakh invested in HDFC Banking & Financial Services Fund - Growth Option - Direct Plan exactly 5 years ago would be worth approximately ₹197,954 today — a multiplier of 1.98×, based on the 5-year CAGR of 14.63%. The category average over the same window would have grown ₹1 lakh to ₹190,217.

A ₹10,000 monthly SIP in HDFC Banking & Financial Services Fund - Growth Option - Direct Plan over the last 5 years — total invested ₹600,000 — would be worth ₹876,506 today. That's an XIRR (money-weighted annualised return) of 15.14%.

HDFC Banking & Financial Services Fund - Growth Option - Direct Plan doesn't yet have 10 years of NAVs. Over the longest available window (5-year SIP), ₹10,000/month would have grown to ₹876,506 — XIRR 15.14%.

On a 5-year basis, HDFC Banking & Financial Services Fund - Growth Option - Direct Plan ranks #54 out of 110 funds in the Sectoral/Thematic Fund category — that places it in the second quartile (Q2) — above the median. The category average return over the same window is 13.72%; this fund delivered 14.63%.

The worst peak-to-trough decline HDFC Banking & Financial Services Fund - Growth Option - Direct Plan has experienced over the last 5-year window is 21.72% — its NAV fell from a high on 26 Oct 2021 to a low on 16 Jun 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 & Financial Services Fund - Growth Option - Direct Plan averaged 14.63% (best 14.63%, worst 14.63%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is 0.51 — reasonable risk-adjusted performance.

In calendar year 2025, HDFC Banking & Financial Services Fund - Growth Option - Direct Plan returned 17.36% — beating the Sectoral/Thematic Fund category average of 4.41% by 12.95 pp. It ranked #25 of 208 in its category that year.

HDFC Banking & Financial Services Fund - Growth Option - Direct Plan is classified as an Equity fund (at least 65% equity exposure). Tax rules (post Budget 2024): if you hold 12 months or more, gains are Long-Term and taxed at 12.5% on the amount exceeding ₹1.25 lakh per financial year. Held for under 12 months, gains are Short-Term and taxed at 20%. The ₹1.25 L exemption is per PAN per FY across all equity LTCG.

We don't give personal investment advice. HDFC Banking & Financial Services Fund - Growth Option - Direct Plan is suitable for an investor whose:

time horizon is **5+ years** — equity funds can drop 30-50% in bad years; horizons under 5 years materially raise the risk of selling at a loss
risk tolerance accepts seeing the portfolio fall sharply without panic-selling
goal isn't capital preservation in the short term

Cross-check the numbers above against alternatives before deciding. Worst 5-year drawdown: 21.7%. 5-year CAGR: 14.63%.

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