HDFC Banking & Financial Services Fund
NAV
₹19.42
as of 21 Aug 2026
HDFC Banking & Financial Services Fund is an open-ended Sectoral/ Thematic scheme from HDFC Mutual Fund managing ₹4,630 crore (as of 31 Jul 2026). Its Direct-plan NAV is ₹19.42 as of 21 Aug 2026. The expense ratio is 0.92% a year. Managed by Anand Laddha. This page is factual data only — it carries no rating and no recommendation.
Key facts
- Expense ratio
- 0.92% / yr
- as of 30 Jun 2026
- Fund size
- ₹4,630 crore
- as of 31 Jul 2026
- Exit load
- 1%
- SIP available
- Yes
- Launched
- 1 Jul 2021
- ISIN
- INF179KC1BG0
₹100 invested, fund vs category
The category line is the average of the funds in this category, built from NYVO’s own NAV data.
Rebased to 100data to 20 Aug 2026Benchmark: Nifty Financial Services TRI
HDFC Banking & Financial Services Fund
₹191
+91% on ₹100 over 5.0 yrs
Sectoral/ Thematic average
₹187
+87% on ₹100 over 5.0 yrs
Returns vs category
| Window | Fund | Category avg | Gap |
|---|---|---|---|
| 3 months | 6.06% | 6.78% | -0.72 |
| 6 months | -2.19% | 3.68% | -5.87 |
| 1 year | 7.93% | 6.07% | +1.86 |
| 3 years (CAGR) | 14.14% | 16.01% | -1.87 |
| 5 years (CAGR) | 13.92% | 15.20% | -1.28 |
Category average across 119 funds, as of 21 Aug 2026. Short windows are noise; the 3 and 5-year rows are the record. Past returns do not predict future returns.
A single return number depends on its start date. These are ALL the overlapping holding periods, so the worst case is visible — read that number first.
1-year holding periods
- Worst
- -1.6%
- Median
- 15.7%
- Best
- 40.3%
49 windows over the last 60 months, stepped monthly; 98% ended positive. Worst window began 1 Oct 2021. Windows overlap — this is the range of past start dates, not a probability of anything.
3-year holding periods (per year)
- Worst
- 13.5%
- Median
- 16.8%
- Best
- 25.6%
25 windows over the last 60 months, stepped monthly; 100% ended positive. Worst window began 1 Nov 2021. Windows overlap — this is the range of past start dates, not a probability of anything.
Risk, measured
- Sharpe ratio (3Y)
- 0.47
- Sharpe ratio (5Y)
- 0.55
- Sortino ratio (3Y)
- 0.71 vs category 0.54
- Standard deviation (3Y)
- 16.25%
- Beta (3Y)
- 0.98
- Alpha (3Y)
- 2.79%
- Deepest fall (5Y)
- -16.11%
Distance below its own peak
Every dip below 0 is the fund trading under a previous high — how deep and for how long is what a drawdown feels like.
Deepest fall
-15.0%
Right now
-2.4% below peak
Ahead of its benchmark in 64% of months (window: 3y, monthly) — benchmark: Nifty Financial Services TRI, name shown only.
Where the money actually is
Equity
99.1%
Cash
0.9%
Whole-portfolio split, as of 31 Jul 2026.
What it owns
38 positions · top 10 = 66.5%
Market-cap mix
Large 67.6%Mid 11.9%Small 18.5%Other 1.9%
as of 31 Jul 2026
Holdings by sector
Financial Services(10 in top 10)98.9%
- ICICI Bank Ltd14.37%
- HDFC Bank Ltd13.01%
- Kotak Mahindra Bank Ltd7.70%
- Axis Bank Ltd7.43%
- State Bank of India6.21%
- Bajaj Finance Ltd4.50%
- Shriram Finance Ltd4.29%
- SBI Life Insurance Co Ltd3.94%
- Five-Star Business Finance Ltd2.70%
- AU Small Finance Bank Ltd2.37%
- Healthcare0.1%
Sectors marked ▶ expand to show this fund’s top-10 holdings in that sector. Holdings as of 31 Jul 2026. Portfolio turnover 18.5% vs category 37.3% a year.
The businesses it owns
- P/E (trailing)
- 18.1 vs category 25.8
- P/B
- 2.2 vs category 3.8
- Dividend yield
- 1.0% vs category 1.1%
- Net margin
- 28.7% vs category 15.4%
- Earnings growth
- 12.8%
- Avg market cap
- ₹2.13 lakh crore
Money in, money out
- Net flow, 12 months
- +₹151 cr
- Net flow, 3 months
- +₹61 cr
as of 31 Jul 2026. Flows follow performance more than they predict it.
Quick answers
- What is the NAV of HDFC Banking & Financial Services Fund?
- ₹19.42 per unit as of 21 Aug 2026 (Direct plan, growth). NAV is declared daily on working days.
- What is the expense ratio of HDFC Banking & Financial Services Fund?
- 0.92% a year for the Direct plan, as of 30 Jun 2026.
- How large is HDFC Banking & Financial Services Fund?
- ₹4,630 crore under management as of 31 Jul 2026, in the Sectoral/ Thematic category.
- How risky is HDFC Banking & Financial Services Fund?
- Its SEBI Riskometer reading is "Very High Risk". One sector, one story. The most-launched shelf on the map, by far.
- What are the 5-year returns of HDFC Banking & Financial Services Fund?
- 13.92% a year over the last 5 years (Direct plan, CAGR), against a Sectoral/ Thematic average of 15.20%. Past returns do not predict future returns.
- What is the worst 3-year return of HDFC Banking & Financial Services Fund?
- 13.5% a year — the weakest of 25 overlapping 3-year holding periods, beginning 1 Nov 2021. The median was 16.8% and 100% of those windows ended positive. Windows overlap, so this is the range of past start dates, not a probability.
- Who manages HDFC Banking & Financial Services Fund?
- Anand Laddha, managing this fund for 5.1 years.
Where this fund sits
Its shelf, all funds
St · Sectoral / thematic →
One sector, one story. The most-launched shelf on the map, by far.
The money map
How big this shelf is in India →
The whole industry sized by real money, from AMFI’s monthly data.
Side by side
Compare this fund →
Put it next to any other fund — growth, returns, risk and cost in one table.
One bet or two?
Check its overlap →
See whether it owns the same stocks as your other funds.
Other Sectoral/ Thematic funds
- ICICI Prudential India Opportunities Fund₹38,299 crore
- ICICI Prudential Business Cycle Fund₹16,123 crore
- HDFC Defence Fund₹10,709 crore
- HDFC Manufacturing Fund₹10,590 crore
- Sundaram Services Fund₹5,137 crore
- SBI INFRASTRUCTURE FUND₹4,931 crore
- SBI TECHNOLOGY OPPORTUNITIES FUND₹4,592 crore
- Mirae Asset Great Consumer Fund₹4,550 crore
Data: NYVO research systems; each block above states its own as-of date, and blocks with no data for this fund are omitted rather than estimated. NAV updates daily on working days. The benchmark (Nifty Financial Services TRI) is named for reference only; its values are licensed and never shown. This page is factual information about one scheme. It is not investment advice, not a recommendation, and it carries no rating of any kind. Past performance does not predict future returns. Mutual fund investments are subject to market risks; read all scheme related documents carefully.