Should I invest in HDFC Banking & Financial Services Fund?

We don't give personal investment advice. HDFC Banking & Financial Services Fund - IDCW Option 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: 22.5%. 5-year CAGR: 10.14%.

HDFC

HDFC Banking & Financial Services Fund - IDCW Option

Latest NAV

₹16.1530

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	+1.13%	+0.04%	+1.08	2 / 36	Q1
1W	-0.06%	-0.07%	+0.02	18 / 36	Q2
2W	+0.38%	+0.01%	+0.36	9 / 36	Q1
1M	+3.47%	+1.77%	+1.70	10 / 36	Q2
3M	+4.59%	+3.53%	+1.06	13 / 36	Q2
6M	+1.65%	+1.51%	+0.14	17 / 36	Q2
YTD	+1.57%	-0.68%	+2.25	13 / 36	Q2
1Y	+5.93%	+1.30%	+4.63	10 / 34	Q2
2Y	+4.11%	-0.01%	+4.12	10 / 31	Q2
3Y	+8.34%	+10.89%	-2.55	16 / 28	Q3
4Y	+13.83%	+11.47%	+2.36	7 / 20	Q2
5Y	+10.14%	+7.74%	+2.40	5 / 18	Q2
7Y	—	—	—	—	—
10Y	—	—	—	—	—
Inception	+10.17%	+11.27%	-1.10	18 / 36	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	+1.57%	-0.68%	+2.25	13 / 36
2025	+7.66%	+2.43%	+5.23	9 / 32
2024	+3.79%	+17.65%	-13.86	27 / 29
2023	+21.03%	+28.98%	-7.95	17 / 22
2022	+15.13%	-3.13%	+18.26	2 / 18
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

+11.36%

50 windows

min -5.7% · max 36.6%

90% positive

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

3-Year rolling

+12.13%

26 windows

min 7.8% · max 18.3%

100% positive

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

5-Year rolling

+10.14%

1 window

min 10.1% · max 10.1%

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

16.36%

3-year · annualised

Sharpe ratio

0.17

vs risk-free 6.5%

Sortino ratio

0.26

Downside-only deviation

Max drawdown

-20.58%

Sep 2024 → Mar 2025

% 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 - IDCW Option	HDFC	₹15.1750	17 Jul 2026
NIPPON INDIA - JAPAN EQUITY FUND - IDCW Option	Nippon India	₹27.0439	17 Jul 2026
ICICI Prudential Bharat Consumption Fund - IDCW Option	ICICI Prudential	₹15.2800	17 Jul 2026
Franklin India Multi-Factor Fund- IDCW	Franklin India	₹9.5442	17 Jul 2026
Kotak Infrastructure & Economic Reform Fund - Standard Plan-Payout of Income Distribution cum capital withdrawal option	Kotak	₹54.9950	17 Jul 2026
BANK OF INDIA Manufacturing & Infrastructure Fund-Quarterly IDCW	Bank of India	₹43.0600	17 Jul 2026
Franklin Build India Fund - IDCW		₹41.4023	17 Jul 2026
Groww Banking & Financial Services Fund-IDCW	Groww	₹13.5287	17 Jul 2026

Recent NAVs

Date	NAV
17 Jul 2026	₹16.1530
16 Jul 2026	₹15.9730
15 Jul 2026	₹16.1060
14 Jul 2026	₹15.9800
13 Jul 2026	₹16.1940
10 Jul 2026	₹16.1620
9 Jul 2026	₹15.9160
8 Jul 2026	₹15.7680
7 Jul 2026	₹16.1640
6 Jul 2026	₹16.1730

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 - IDCW Option is ₹16.1530. It's a Sectoral/Thematic Fund from HDFC, run as a Unknown plan IDCW (dividend) option. NAVs update once per business day from the AMFI feed.

HDFC Banking & Financial Services Fund - IDCW Option 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 - IDCW Option 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 - IDCW Option has delivered a absolute return of 5.93% — +4.63 pp ahead of the Sectoral/Thematic Fund category average of 1.30%. The fund ranks #10 of 34 in its category — the second (Q2) quartile.

Over the trailing 3-year window, HDFC Banking & Financial Services Fund - IDCW Option has delivered a CAGR of 8.34% — -2.55 pp behind the Sectoral/Thematic Fund category average of 10.89%. The fund ranks #16 of 28 in its category — the third (Q3) quartile.

Over the trailing 5-year window, HDFC Banking & Financial Services Fund - IDCW Option has delivered a CAGR of 10.14% — +2.4 pp ahead of the Sectoral/Thematic Fund category average of 7.74%. The fund ranks #5 of 18 in its category — the second (Q2) quartile.

₹1 lakh invested in HDFC Banking & Financial Services Fund - IDCW Option exactly 5 years ago would be worth approximately ₹162,081 today — a multiplier of 1.62×, based on the 5-year CAGR of 10.14%. The category average over the same window would have grown ₹1 lakh to ₹145,147.

A ₹10,000 monthly SIP in HDFC Banking & Financial Services Fund - IDCW Option over the last 5 years — total invested ₹600,000 — would be worth ₹771,047 today. That's an XIRR (money-weighted annualised return) of 9.97%.

HDFC Banking & Financial Services Fund - IDCW Option doesn't yet have 10 years of NAVs. Over the longest available window (5-year SIP), ₹10,000/month would have grown to ₹771,047 — XIRR 9.97%.

On a 5-year basis, HDFC Banking & Financial Services Fund - IDCW Option ranks #5 out of 18 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 7.74%; this fund delivered 10.14%.

The worst peak-to-trough decline HDFC Banking & Financial Services Fund - IDCW Option has experienced over the last 5-year window is 22.55% — 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 - IDCW Option averaged 10.14% (best 10.14%, worst 10.14%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is 0.25 — weak risk-adjusted performance.

In calendar year 2025, HDFC Banking & Financial Services Fund - IDCW Option returned 7.66% — beating the Sectoral/Thematic Fund category average of 2.43% by 5.23 pp. It ranked #9 of 32 in its category that year.

HDFC Banking & Financial Services Fund - IDCW Option 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 - IDCW Option 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: 22.5%. 5-year CAGR: 10.14%.

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