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HDFC Banking and PSU Debt Fund(IDCW)

IDCW
10.030.23% (-0.02)
Investment Checklist

Returns

Fund's average annual rolling returns over the last three years is compared against the funds from the same category

Other Funds in the same category are generating better returns

Expense Ratio

Expense Ratio is the fee paid by investors of Mutual Funds. Fund's expense ratio is compared against the expense ratio of other funds in the same category to check if the fund is charging more or less compared to other funds in the same category

Less expense ratio implies better returns over the long term

Return vs FD Rates

If fund's return is lower than the average fixed deposit rates offered by banks, investors are better off investing the amount in a FD

Fund has not been able to generate better price return than bank FD

Red Flags

We check for various red flags on fund's portfolio holdings like - ratings for debt securities, pledging of promoter shares in the company, default probabiity of the company, stocks presense in negative lists published by the exchanges etc. Checkout the Holdings section in the Portfolio tab for full list of securties with red flags

Total holdings with red flags is insignificant

HDFC Banking and PSU Debt Fund(IDCW)

IDCW
DebtBanking & PSU Fund
Large-size FundAssets Under Mgmt: ₹ 5,919 Cr
Moderate RiskPrinciple investment will be at moderate risk
10.030.23% (-0.02)

Price Chart

High
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Low
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Returns
0.00%
1M
6M
1Y
3Y
5Y
Max
SIP
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1M
6M
1Y
3Y
5Y
Max
SIP
Investment Checklist

Returns

Fund's average annual rolling returns over the last three years is compared against the funds from the same category

Other Funds in the same category are generating better returns

Expense Ratio

Expense Ratio is the fee paid by investors of Mutual Funds. Fund's expense ratio is compared against the expense ratio of other funds in the same category to check if the fund is charging more or less compared to other funds in the same category

Less expense ratio implies better returns over the long term

Return vs FD Rates

If fund's return is lower than the average fixed deposit rates offered by banks, investors are better off investing the amount in a FD

Fund has not been able to generate better price return than bank FD

Red Flags

We check for various red flags on fund's portfolio holdings like - ratings for debt securities, pledging of promoter shares in the company, default probabiity of the company, stocks presense in negative lists published by the exchanges etc. Checkout the Holdings section in the Portfolio tab for full list of securties with red flags

Total holdings with red flags is insignificant

DebtBanking & PSU Fund
Large-size FundAssets Under Mgmt: ₹ 5,919 Cr
Moderate RiskPrinciple investment will be at moderate risk

Key Metrics

Expense RatioExpense RatioNo LabelNo LabelNo LabelNo Label
0.397.495.43
No LabelNo LabelNo LabelNo LabelNo LabelNo Label
0.517.404.95

Scheme Info

PlanPlanLock inLock inExit LoadExit Load
IDCW0 yrs0.00%
Nil
SIP Inv.SIP Inv.Min. LumpsumMin. Lumpsum
Allowed₹ 100
Initial: ₹ 100 Incremental: ₹ 100
BenchmarkBenchmark
NIFTY Banking and PSU Debt Index

About Banking & PSU Fund

Banking and PSU funds are the debt funds that lend money to banks and public sector companies only. The risk of default is less as the borrowers are of high quality. The performance also depends on the interest rates in the economy.

Peers & Comparison

Comparing 3 mutual funds from 
DebtBanking & PSU Fund

Returns

Scheme

Ratios

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Mutual Fund1Y Returns1Y Returns3Y CAGR3Y CAGRLife CAGRLife CAGR
HDFC Banking and PSU Debt Fund(IDCW)-0.09%-0.04%0.03%
Bandhan Banking & PSU Debt Fund(DD-IDCW)0.04%-0.00%0.44%
Axis Banking & PSU Debt Fund(W-IDCW)-0.06%-0.01%0.31%
Aditya Birla SL Banking & PSU Debt(IDCW-Reinv)-6.48%-6.65%0.31%

Price Comparison

Compare HDFC Banking and PSU Debt Fund(IDCW) with any MF, ETF, stock or index
Compare HDFC Banking and PSU Debt Fund(IDCW) with any MF, ETF, stock or index
HDFC Banking and PSU Debt Fund(IDCW)
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Asset Allocation

Actual

Target

Dec 2023

Mar 2024

Jun 2024

Aug 2024

ACTUAL
Certificate of DepositCash & EquivalentsGovernment SecuritiesCorporate Debt0.27%0.41%3.26%16.62%79.45%

Dec 2023

Mar 2024

Jun 2024

Aug 2024

Tickertape Separator

Sector Distribution

+7 morePrivate BanksHome FinancingG-SecConsumer FinancePublic Banks11.19 %9.16 %10.87 %16.62 %23.66 %28.50 %

Dec 2023

Mar 2024

Jun 2024

Aug 2024

Tickertape Separator

Sector Weightage

Jun 23Sep 23Dec 23Mar 24Jun 24Aug 2430.68%28.20%29.59%27.33%28.77%28.50%
Public Banks as a % of total holdings for last six quarters
Tickertape Separator

Current Holdings

Debt

Others

  • Constituent
    Holding Weight
    3M Change
  • 7.18% GOI MAT 140833
    Sovereign
    3M change : 0.13 %|Sovereign

    Holdings

    5.08 %

    0.13 %
  • 7.46% Indian Railways Finance Corp. Ltd.
    CRISIL - AAA
    3M change : 0.12 %|CRISIL - AAA

    Holdings

    4.68 %

    0.12 %
  • 7.59 %Small Industries Development Bank^
    CRISIL - AAA
    3M change : 0.06 %|CRISIL - AAA

    Holdings

    3.79 %

    0.06 %

AMC Profile

HDFC Asset Management Company, investment manager to HDFC Mutual Fund, is one of the leading AMCs in the country. The company operates as a joint venture between Housing Development Finance Corporation (HDFC) and Standard Life Investments (SLI).

  • No.of Schemes

    81

  • Total AUM

    ₹ 7,47,022.49 Cr.

Fund Manager Profile

Anil Bamboli

AUM:  ₹1,70,026.21 Cr.

Sum of AUMs of all funds managed by the fund manager

 | 

Exp: 19yrs

Qualification

B. Com,CWA, MMS (Finance),CFA (CFA Institute)

Past Experience

Mr. Anil Bamboli has 16 years of experience in fund management and research, Fixed Income dealing. He is with HDFC AMC from July 2003 till date. Prior to this he was Asst. Vice President in SBI Funds Management Pvt. Ltd.

Funds Managed (77)

HDFC Ultra Short Term Fund(M-IDCW Reinv)

IDCW
0.08%
0.08%
0.37%

HDFC Ultra Short Term Fund-Reg(M-IDCW Reinv)

IDCW
0.07%
0.08%
0.69%

HDFC Ultra Short Term Fund(M-IDCW)

IDCW
0.08%
0.08%
0.37%

HDFC Ultra Short Term Fund(W-IDCW)

IDCW
-0.05%
-0.00%
0.37%

HDFC Ultra Short Term Fund(DD-IDCW)

IDCW
0.00%
0.00%
0.37%

HDFC Ultra Short Term Fund-Reg(DD-IDCW)

IDCW
0.00%
0.00%
0.69%

HDFC Ultra Short Term Fund-Reg(W-IDCW)

IDCW
-0.05%
-0.00%
0.69%

HDFC Ultra Short Term Fund-Reg(M-IDCW)

IDCW
0.07%
0.08%
0.69%

HDFC Dynamic Debt Fund(H-IDCW Reinv)

IDCW
2.22%
0.15%
1.55%

HDFC Banking and PSU Debt Fund-Reg(IDCW-Reinv)

IDCW
-0.08%
-0.03%
0.79%

HDFC Dynamic Debt Fund(IDCW-Reinv)

IDCW
9.10%
5.21%
1.55%

HDFC Short Term Debt Fund(IDCW-Reinv)

IDCW
0.32%
1.56%
0.71%

HDFC Dynamic Debt Fund(A-IDCW Reinv)

IDCW
2.02%
0.32%
1.55%

HDFC Gilt Fund(IDCW-Reinv)

IDCW
3.44%
0.53%
0.89%

HDFC Dynamic Debt Fund(A-IDCW Reinv)

IDCW
2.00%
1.33%
0.74%

HDFC Dynamic Debt Fund(H-IDCW Reinv)

IDCW
1.91%
1.20%
0.74%

HDFC Dynamic Debt Fund(Q-IDCW Reinv)

IDCW
4.31%
1.62%
0.74%

HDFC Dynamic Debt Fund(IDCW-Reinv)

IDCW
9.81%
6.28%
0.74%

HDFC Gilt Fund(IDCW-Reinv)

IDCW
4.23%
1.23%
0.46%

HDFC Banking and PSU Debt Fund(IDCW-Reinv)

IDCW
-0.09%
-0.04%
0.39%

HDFC Short Term Debt Fund(IDCW-Reinv)

IDCW
0.72%
2.02%
0.40%

HDFC Short Term Debt Fund(IDCW)

IDCW
0.72%
2.02%
0.40%

HDFC Short Term Debt Fund(IDCW)

IDCW
0.32%
1.56%
0.71%

HDFC Dynamic Debt Fund(IDCW)

IDCW
9.81%
6.28%
0.74%

HDFC Dynamic Debt Fund(IDCW)

IDCW
9.10%
5.21%
1.55%

HDFC Banking and PSU Debt Fund-Reg(IDCW)

IDCW
-0.08%
-0.03%
0.79%

HDFC Dynamic Debt Fund(Q-IDCW Reinv)

IDCW
4.32%
0.56%
1.55%

HDFC Overnight Fund(DD-IDCW)

IDCW
0.00%
0.00%
0.10%

HDFC Gilt Fund(IDCW)

IDCW
4.23%
1.23%
0.46%

HDFC Dynamic Debt Fund(H-IDCW)

IDCW
1.91%
1.20%
0.74%

HDFC Dynamic Debt Fund(Q-IDCW)

IDCW
4.31%
1.62%
0.74%

HDFC Dynamic Debt Fund(A-IDCW)

IDCW
2.00%
1.33%
0.74%

HDFC Short Term Debt Fund(FN-IDCW Reinv)

IDCW
0.09%
0.05%
0.71%

HDFC Short Term Debt Fund(FN-IDCW)

IDCW
0.09%
0.05%
0.71%

HDFC Dynamic Debt Fund(Q-IDCW)

IDCW
4.32%
0.56%
1.55%

HDFC Dynamic Debt Fund(A-IDCW)

IDCW
2.02%
0.32%
1.55%

HDFC Dynamic Debt Fund(H-IDCW)

IDCW
2.22%
0.15%
1.55%

HDFC Gilt Fund(IDCW)

IDCW
3.44%
0.53%
0.89%

HDFC Overnight Fund(DD-IDCW)

IDCW
0.00%
0.00%
0.19%

HDFC Ultra Short Term Fund(W-IDCW)

IDCW
-0.05%
-0.00%
0.37%

HDFC Ultra Short Term Fund-Reg(W-IDCW)

IDCW
-0.05%
-0.00%
0.69%

HDFC Charity Fund for Cancer Cure-Direct Plan-(75% IDCW Donation Option)

IDCW
2.43%
—
—

HDFC Charity Fund for Cancer Cure-Direct Plan-(50% IDCW Donation Option)

IDCW
2.45%
—
—

HDFC Charity Fund for Cancer Cure-Reg(75% IDCW Donation Option)

IDCW
2.44%
—
—

HDFC Charity Fund for Cancer Cure-Reg(50% IDCW Donation Option)

IDCW
2.45%
—
—

HDFC Banking and PSU Debt Fund(IDCW)

IDCW
-0.09%
-0.04%
0.39%

Manager Performance (0)

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Tax Implications

Invested period < 2 years

Gains are added to taxable income and taxed according to the individual’s income tax slab

Invested period > 2 years(Investments from 1st April 2023)

Gains are added to taxable income and taxed according to the individual’s income tax slab

Invested period > 2 years(Investments before 1st April 2023)

Gains are treated as long-term capital gains and taxed at 12.5%

Let’s calculate your returns after tax

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One Time

Monthly Investment Amt. (₹)

Investment period (years)

CAGR (%)
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