Should I invest in HDFC Banking & Financial Services Fund?

We don't give personal investment advice. HDFC Banking & Financial Services Fund - IDCW 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: 11.84%.

HDFC

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

Latest NAV

₹17.4480

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%	-0.04%	+1.17	6 / 249	Q1
1W	-0.03%	-0.15%	+0.12	102 / 249	Q2
2W	+0.43%	-0.61%	+1.04	94 / 251	Q2
1M	+3.56%	+1.14%	+2.41	56 / 251	Q1
3M	+4.86%	+3.90%	+0.97	108 / 251	Q2
6M	+2.18%	+2.59%	-0.40	124 / 243	Q3
YTD	+2.15%	+0.68%	+1.47	101 / 241	Q2
1Y	+7.09%	+2.39%	+4.70	66 / 229	Q2
2Y	+5.49%	+0.44%	+5.05	55 / 186	Q2
3Y	+9.88%	+11.53%	-1.65	99 / 151	Q3
4Y	+15.49%	+12.75%	+2.74	51 / 125	Q2
5Y	+11.84%	+9.05%	+2.79	48 / 113	Q2
7Y	—	—	—	—	—
10Y	—	—	—	—	—
Inception	+11.86%	+10.06%	+1.80	112 / 251	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	+2.15%	+1.51%	+0.65	100 / 237
2025	+9.30%	+1.49%	+7.81	40 / 204
2024	+5.36%	+20.10%	-14.74	148 / 158
2023	+22.80%	+30.21%	-7.41	97 / 131
2022	+16.99%	+1.48%	+15.51	13 / 119
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

+13.07%

50 windows

min -4.3% · max 38.8%

94% positive

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

3-Year rolling

+13.86%

26 windows

min 9.4% · max 20.2%

100% positive

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

5-Year rolling

+11.84%

1 window

min 11.8% · max 11.8%

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

16.26%

3-year · annualised

Sharpe ratio

0.26

vs risk-free 6.5%

Sortino ratio

0.41

Downside-only deviation

Max drawdown

-19.81%

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 - Direct Plan	HDFC	₹15.8610	17 Jul 2026
NIPPON INDIA - JAPAN EQUITY FUND - DIRECT Plan - IDCW Option	Nippon India	₹30.5463	17 Jul 2026
SBI Automotive Opportunities Fund - Direct Plan - Income Distribution Cum Capital Withdrawal Option	SBI	₹12.5864	17 Jul 2026
ICICI Prudential Banking and Financial Services Fund - Direct Plan - IDCW	ICICI Prudential	₹70.0600	17 Jul 2026
Invesco India Business Cycle Fund - Direct Plan - IDCW	Invesco	₹14.5200	17 Jul 2026
Bandhan Business Cycle Fund - Direct Plan - IDCW	Bandhan	₹10.1960	17 Jul 2026
quant BFSI Fund - IDCW Option - Direct Plan	Quant	₹22.0968	17 Jul 2026
Aditya Birla Sun Life Banking and Financial Services Fund - DIRECT - IDCW	Aditya Birla Sun Life	₹32.1000	17 Jul 2026
Motilal Oswal Active Momentum Fund- Direct-IDCW	Motilal Oswal	₹13.5239	17 Jul 2026
Franklin India Multi-Factor Fund- Direct- IDCW	Franklin India	₹9.6426	17 Jul 2026

Recent NAVs

Date	NAV
17 Jul 2026	₹17.4480
16 Jul 2026	₹17.2520
15 Jul 2026	₹17.3960
14 Jul 2026	₹17.2590
13 Jul 2026	₹17.4900
10 Jul 2026	₹17.4540
9 Jul 2026	₹17.1870
8 Jul 2026	₹17.0270
7 Jul 2026	₹17.4550
6 Jul 2026	₹17.4640

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 - Direct Plan is ₹17.4480. It's a Sectoral/Thematic Fund from HDFC, run as a Direct plan IDCW (dividend) option. NAVs update once per business day from the AMFI feed.

HDFC Banking & Financial Services Fund - IDCW 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 - IDCW 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 - IDCW Option - Direct Plan has delivered a absolute return of 7.09% — +4.7 pp ahead of the Sectoral/Thematic Fund category average of 2.39%. The fund ranks #66 of 229 in its category — the second (Q2) quartile.

Over the trailing 3-year window, HDFC Banking & Financial Services Fund - IDCW Option - Direct Plan has delivered a CAGR of 9.88% — -1.65 pp behind the Sectoral/Thematic Fund category average of 11.53%. The fund ranks #99 of 151 in its category — the third (Q3) quartile.

Over the trailing 5-year window, HDFC Banking & Financial Services Fund - IDCW Option - Direct Plan has delivered a CAGR of 11.84% — +2.79 pp ahead of the Sectoral/Thematic Fund category average of 9.05%. The fund ranks #48 of 113 in its category — the second (Q2) quartile.

₹1 lakh invested in HDFC Banking & Financial Services Fund - IDCW Option - Direct Plan exactly 5 years ago would be worth approximately ₹174,952 today — a multiplier of 1.75×, based on the 5-year CAGR of 11.84%. The category average over the same window would have grown ₹1 lakh to ₹154,217.

A ₹10,000 monthly SIP in HDFC Banking & Financial Services Fund - IDCW Option - Direct Plan over the last 5 years — total invested ₹600,000 — would be worth ₹801,949 today. That's an XIRR (money-weighted annualised return) of 11.55%.

HDFC Banking & Financial Services Fund - IDCW 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 ₹801,949 — XIRR 11.55%.

On a 5-year basis, HDFC Banking & Financial Services Fund - IDCW Option - Direct Plan ranks #48 out of 113 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 9.05%; this fund delivered 11.84%.

The worst peak-to-trough decline HDFC Banking & Financial Services Fund - IDCW 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 - IDCW Option - Direct Plan averaged 11.84% (best 11.84%, worst 11.84%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is 0.35 — weak risk-adjusted performance.

In calendar year 2025, HDFC Banking & Financial Services Fund - IDCW Option - Direct Plan returned 9.30% — beating the Sectoral/Thematic Fund category average of 1.49% by 7.81 pp. It ranked #40 of 204 in its category that year.

HDFC Banking & Financial Services Fund - IDCW 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 - IDCW 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: 11.84%.

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