HDFC Banking & Financial Services Fund

Sectoral / ThematicEquity SEBI-regulated

NAV (Direct-Growth)

₹19.4860

As of 1 Jul 2026 · AMFI

AUM

₹4.3K Cr

Expense ratio

0.87%

1Y returns

+6.44%

cat 4.44%

3Y CAGR

+14.70%

cat 13.50%

5Y CAGR

+14.58%

cat 13.41%

Std deviation 3Y

+16.25%

cat 17.08%

In plain English

HDFC Banking & Financial Services Fund is a Sectoral / Thematic scheme from HDFC. The portfolio is ~99% in equities. Long-run track record: about 14.6% CAGR over 5 years. Volatility is typical for equity — 20–30 % drawdowns happen during market stress. Worst historical drawdown: -22% in Jun 2022, recovered in 5 months. Wrong fit if you need this money in less than 7 years.

Auto-generated from holdings, returns and risk data. No paid placement, no copy-pasted boilerplate.

NAV history

NAV (Direct-Growth)

₹19.4860

Last 1Y

+4.88%

Jul 25Min ₹16.48 · Max ₹19.87 · 245 ptsJul 26

Drawdown stories

The crashes you should know about — and how long the fund took to recover.

Jun 2022

-21.7%

Peak ₹11.52 on 26 Oct 2021 → trough ₹9.02 on 16 Jun 2022 (8 months down).

Recovered in 5 months· 11 Nov 2022

Mar 2026 — ongoing

-17.1%

Peak ₹19.87 on 18 Feb 2026 → trough ₹16.48 on 30 Mar 2026 (1 months down).

Not yet recovered

Mar 2025

-13.9%

Peak ₹17.60 on 23 Sept 2024 → trough ₹15.15 on 13 Mar 2025 (6 months down).

Recovered in 1 months· 22 Apr 2025

Mar 2023

-10.2%

Peak ₹12.18 on 14 Dec 2022 → trough ₹10.93 on 15 Mar 2023 (3 months down).

Recovered in 2 months· 15 May 2023

Computed from the full NAV history. We show drawdowns deeper than 10%, sorted by depth.

Honesty score

A 1–5 grade on the dimensions other sites won't surface — expense bloat, AUM bloat, concentration, mandate compliance.

Honesty score

4 / 5

Solid scheme on the dimensions we check. No red flags.

Expense ratio
0.87% — typical for category.
AUM size
₹4.3K Cr.
Sector concentration
Top 3 sectors = 99.3% — heavy concentration risk.

Computed from expense ratio, AUM, sector concentration and SEBI mandate compliance. No paid review.

Performance

Returns for various periods, with category average and peer rank.

Period	Returns	Category avg	Rank
1W	-0.27%	-0.80%	5/ 28
1M	+10.03%	+7.94%	4/ 28
3M	-1.30%	-2.83%	10/ 24
6M	+0.95%	-0.84%	8/ 24
YTD	+1.74%	-0.60%	9/ 24
1Y	+6.44%	+4.44%	8/ 22
2Y	+11.60%	+9.70%	9/ 20
3Y	+14.70%	+13.50%	8/ 16
5Y	+14.58%	+13.41%	5/ 13
7Y	—	+10.18%	—
10Y	—	+13.89%	—

Portfolio composition

Asset allocation

Equity99.27%
Cash0.73%

By market cap

Large cap67.13%
Mid cap13.26%
Small cap16.47%
Others3.14%

Concentration

Holdings

Avg market cap

₹2.07 L Cr

Top 10 stocks

67.49%

Top 5 stocks

50.64%

Top 3 sectors

99.27%

Top holdings

Top 15 positions by weight, latest disclosure.

#InstrumentSectorWeight

1
HDFC Bank Ltd
—15.97%
1
HDFC Bank Ltd
—14.53%
2
ICICI Bank Ltd
—14.26%
2
ICICI Bank Ltd
—13.45%
3
Axis Bank Ltd
—8.58%
3
Axis Bank Ltd
—8.51%
4
Kotak Mahindra Bank Ltd
—8.07%
4
Kotak Mahindra Bank Ltd
—7.84%
5
State Bank of India
—7.09%
5
State Bank of India
—6.24%
6
Shriram Finance Ltd
—4.69%
6
Shriram Finance Ltd
—4.61%
7
Bajaj Finance Ltd
—4.09%
7
Bajaj Finance Ltd
—3.83%
8
SBI Life Insurance Co Ltd
—3.31%

Fundamentals (vs category)

Portfolio-weighted ratios, compared with the category average.

MetricFundCategory avgDiff

P/E ratio18.2318.31-0.08
P/B ratio2.152.26-0.11
Price / Sales3.973.94+0.03
Price / Cash Flow—0.00—
Dividend yield0.91%0.94%-0.03
Return on equity (ROE)14.12%15.70%-1.58

Risk metrics

Standard deviation, Sharpe, Sortino, Beta — all vs category average.

Metric1Y3Y5YCat 1YCat 3YCat 5Y

Standard deviation
Volatility — lower means steadier returns.
14.2216.25—22.8417.0817.14
Sharpe ratio
Risk-adjusted return — higher is better.
0.020.50—0.010.420.45
Sortino ratio
Like Sharpe but only counts downside volatility.
0.020.76—0.020.630.70
Beta
1 = moves with the market. <1 = less volatile.
1.060.98—1.040.980.97

Peers in Sectoral / Thematic

Other schemes in the same SEBI category, ranked by AUM.

Peer fundAUM1Y3Y CAGRExpense

Peers in same SEBI category, ranked by AUM. Compare any →

Available plans & options

PlanOptionFull nameISIN

DirectGrowthHDFC Banking & Financial Services Fund - Growth Option - Direct PlanINF179KC1BG0
DirectIDCW ReinvestmentHDFC Banking & Financial Services Fund - IDCW Option - Direct PlanINF179KC1BH8
RegularGrowthHDFC Banking & Financial Services Fund - Growth OptionINF179KC1BJ4
RegularIDCW ReinvestmentHDFC Banking & Financial Services Fund - IDCW OptionINF179KC1BK2

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