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. 5-year CAGR: 12.69%.

HDFC

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

Latest NAV

₹18.0340

As of

3 Jun 2026

1,211 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	-0.09%	+0.27%	-0.36	192 / 258	Q3
1W	-3.10%	-1.34%	-1.76	238 / 258	Q4
2W	-0.69%	+0.04%	-0.72	176 / 259	Q3
1M	-2.91%	-0.39%	-2.52	224 / 259	Q4
3M	-6.10%	+2.19%	-8.29	238 / 257	Q4
6M	-5.75%	-1.09%	-4.65	172 / 247	Q3
YTD	-6.81%	-1.30%	-5.51	177 / 247	Q3
1Y	+0.74%	+5.02%	-4.28	144 / 230	Q3
2Y	+6.76%	+5.50%	+1.25	69 / 182	Q2
3Y	+13.35%	+16.94%	-3.59	94 / 139	Q3
4Y	+16.61%	+16.57%	+0.04	66 / 119	Q3
5Y	+12.69%	+13.73%	-1.04	67 / 109	Q3
7Y	—	—	—	—	—
10Y	—	—	—	—	—
Inception	+12.90%	+10.45%	+2.45	135 / 259	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	-6.81%	-0.94%	-5.87	175 / 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

+16.36%

48 windows

min -2.0% · max 39.2%

98% positive

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

3-Year rolling

+17.08%

24 windows

min 13.3% · max 23.6%

100% positive

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

5-Year rolling

—

Insufficient history

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

14.18%

3-year · annualised

Sharpe ratio

0.50

vs risk-free 6.5%

Sortino ratio

0.80

Downside-only deviation

Max drawdown

-17.07%

Feb 2026 → Mar 2026

% positive months

61.1%

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	₹14.5700	3 Jun 2026
Nippon India Active Momentum Fund-Direct Plan - Growth Option	Nippon India	₹12.1791	3 Jun 2026
SBI Automotive Opportunities Fund - Direct Plan - Growth	SBI	₹11.7563	3 Jun 2026
ICICI Prudential Active Momentum Fund - Direct Plan - Growth	ICICI Prudential	₹10.6800	3 Jun 2026
Invesco India Business Cycle Fund - Direct Plan - Growth	Invesco	₹13.3000	3 Jun 2026
Bandhan Business Cycle Fund - Direct Plan - Growth	Bandhan	₹9.6290	3 Jun 2026
quant BFSI Fund - Growth Option - Direct Plan	Quant	₹20.2506	3 Jun 2026
QUANTUM ESG BEST IN CLASS STRATEGY FUND - DIRECT PLAN - GROWTH OPTION	Quantum	₹23.5100	3 Jun 2026
Aditya Birla Sun Life Banking and Financial Services Fund - Direct Plan - Growth	Aditya Birla Sun Life	₹66.7400	3 Jun 2026
Motilal Oswal Active Momentum Fund- Direct-Growth	Motilal Oswal	₹13.3284	3 Jun 2026

Recent NAVs

Date	NAV
3 Jun 2026	₹18.0340
2 Jun 2026	₹18.0090
1 Jun 2026	₹18.0250
29 May 2026	₹18.2520
27 May 2026	₹18.5020
26 May 2026	₹18.5850
25 May 2026	₹18.6590
22 May 2026	₹18.2800
21 May 2026	₹18.1180
20 May 2026	₹18.1170

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 & Financial Services Fund - Growth Option - Direct Plan is ₹18.0340. 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 4 years 11 months. It's a relatively new scheme. With under 5 years of NAVs, peer comparison is the best yardstick — point-to-point returns can be skewed by entry timing.

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 0.74% — -4.28 pp behind the Sectoral/Thematic Fund category average of 5.02%. The fund ranks #144 of 230 in its category — the third (Q3) quartile.

Over the trailing 3-year window, HDFC Banking & Financial Services Fund - Growth Option - Direct Plan has delivered a CAGR of 13.35% — -3.59 pp behind the Sectoral/Thematic Fund category average of 16.94%. The fund ranks #94 of 139 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 12.69% — -1.04 pp behind the Sectoral/Thematic Fund category average of 13.73%. The fund ranks #67 of 109 in its category — the third (Q3) quartile.

₹1 lakh invested in HDFC Banking & Financial Services Fund - Growth Option - Direct Plan exactly 5 years ago would be worth approximately ₹181,708 today — a multiplier of 1.82×, based on the 5-year CAGR of 12.69%. The category average over the same window would have grown ₹1 lakh to ₹190,234.

A ₹10,000 monthly SIP in HDFC Banking & Financial Services Fund - Growth Option - Direct Plan over the last 3 years — total invested ₹360,000 — would be worth ₹406,931 today. That's an XIRR (money-weighted annualised return) of 8.11%.

HDFC Banking & Financial Services Fund - Growth Option - Direct Plan doesn't yet have 10 years of NAVs. Over the longest available window (3-year SIP), ₹10,000/month would have grown to ₹406,931 — XIRR 8.11%.

On a 5-year basis, HDFC Banking & Financial Services Fund - Growth Option - Direct Plan ranks #67 out of 109 funds in the Sectoral/Thematic Fund category — that places it in the third quartile (Q3) — below the median. The category average return over the same window is 13.73%; this fund delivered 12.69%.

The worst peak-to-trough decline HDFC Banking & Financial Services Fund - Growth Option - Direct Plan has experienced over the last 3-year window is 17.07% — its NAV fell from a high on 18 Feb 2026 to a low on 30 Mar 2026. Drawdown is a useful gauge of how much short-term pain you'd have endured to capture the long-term return.

Across all 3-year rolling windows, HDFC Banking & Financial Services Fund - Growth Option - Direct Plan averaged 17.08% (best 23.61%, worst 13.35%). 100% of rolling windows ended positive. The 3-year Sharpe ratio is 0.50 — 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. 5-year CAGR: 12.69%.

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