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HDFC Banking and PSU Debt Fund - Growth Option is a debt scheme managed by HDFC Mutual Fund. Three-year compounded annual return is 6.49%, placing it in the 38th percentile of Debt peers. It has ranked in the top half of its category for 10 of the last 11 reported years. Risk-adjusted return (Sharpe ratio) is 0.00. The total expense ratio is 0.72% on assets of ₹5,316Cr. The fund is currently managed by Mr. Anil Bamboli, appointed within the last year.
Lower is better.
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Point-in-time CAGRs cherry-pick a single start date. The chart below shows the distribution of every possible rolling start over the fund's history, so you see the range of investor outcomes — not just one date's number.
Backtested SIP outcomes across both rolling-window scenarios and named historical stress events (COVID, Election uncertainty, Russia/Ukraine, etc.), plus per-manager alpha during their tenure on this scheme.
| Scheme | AMC | AUM | TER | 3Y |
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Mutual fund investments are subject to market risks. Read all scheme-related documents carefully. Past performance is not indicative of future results. MintByte is an AMFI-registered Mutual Fund Distributor (ARN-314872) and APMI member (APRN-01658). MintByte does not issue buy/sell recommendations on specific securities — the site is an educational data and analytics platform. Star ratings on this page reflect a 3-year category-quartile position computed in-house and are educational only.
Mutual fund schemes are subject to market risk. Read all scheme-related documents carefully before investing. Past performance is not indicative of future results. MintByte is an AMFI-registered mutual fund distributor (ARN-314872). MintByte does not issue buy/sell recommendations on specific securities — the site is an educational data and analytics platform. Not investment advice. Methodology · How we earn.
In-house derivations using 3-year daily NAV vs benchmark. See methodology.
| Punjab National Bank | Financial Services | 2.29% |
| 7.18% GOI MAT 140833 | Sovereign | 2.19% |
| Bajaj Housing Finance Ltd. | Financial Services | 1.89% |
| 7.26% GOI MAT 060233 | Sovereign | 1.62% |
| 6.67% GOI MAT 151235 | Sovereign | 1.46% |
| SMFG India Credit Company Ltd | CARE - AAA | 1.41% |
| Shivshakti Securitisation Trust (Originator - Sikka Ports & Terminals Limited) | CRISIL - AAA(SO) | 1.39% |
| 7.64% Gujarat SDL ISD 170124 MAT 170133 | Sovereign | 0.94% |
| Export - Import Bank of India | CRISIL - AAA | 0.94% |
| TATA Capital Housing Finance Ltd. | CRISIL - AAA | 0.94% |
| Siddhivinayak Securitisation Trust (Originator - Sikka Ports & Terminals Limited) | CRISIL - AAA(SO) | 0.93% |
| Power Grid Corporation of India Ltd. | Utilities | 0.75% |
| 7.34% GOI MAT 220464 | Sovereign | 0.57% |
| Bank of Baroda (Tier 2 - Basel III) | CRISIL - AAA | 0.56% |
| 7.64% % Gujarat SDL ISD 170124 Mat 170134 | Sovereign | 0.56% |
| Toyota Financial Services India Ltd. | ICRA - AAA | 0.51% |
| Indian Railways Finance Corp. Ltd. | CRISIL - AAA | 0.49% |
| LIC Housing Finance Ltd. | Financial Services | 0.48% |
| Union Bank of India | Financial Services | 0.47% |
| HDFC Bank Ltd. | Financial Services | 0.47% |
| HDFC Bank Ltd. (Tier 2 - Basel III) | CRISIL - AAA | 0.47% |
| Pipeline Infrastructure Pvt. Ltd. | CRISIL - AAA | 0.47% |
| Poonawalla Fincorp Ltd | Financial Services | 0.47% |
| 7.63% Gujarat SDL ISD 240124 Mat 240133 | Sovereign | 0.47% |
| Indian Oil Corporation Ltd. | Energy | 0.47% |
| Sector | Holdings | Weight |
|---|---|---|
| CRISIL - AAA | 20 | 13.46% |
| Sovereign | 22 | 10.11% |
| CRISIL - AAA(SO) | 2 | 2.32% |
| CARE - AAA | 2 | 1.87% |
| ICRA - AAA | 2 | 0.97% |
| IND - A1+ | 1 | 0.47% |
| CARE - AAA(CE) | 1 | 0.46% |
| CARE - A1+ | 1 | 0.45% |
Active bets vs the average Debt fund. Biggest deviations shown first.
Accent bar = fund's actual sector weight. Vertical black tick = category average for the same sector. Green overlay = overweight, dashed red = underweight. The biggest active bets show first.
How crowded into the same stocks is this fund vs the largest fund in its category?
Category leader = highest-AUM scheme in the same SEBI category. A high overlap-of-weight number means the fund is concentrated into the same names as the leader (crowded); a low one means it's genuinely differentiated.
Each cell is one year. Q1 = top quartile within the AMFI category for that period. Cell label is the last two digits of the year.
Top-10 weight 15.1% means the portfolio is broad — even the top names don't dominate. Effective-N is the inverse Herfindahl index — a measure of "how many positions effectively drive the fund" after weighting. Category: Debt.
Compounding maths on a notional ₹10 lakh lumpsum at 12% gross annual return. Green bar is what you'd have without the fee; red overlay is the fee drag. Fee is constant in this scenario — actual outcomes depend on real returns and any future TER changes.
Alpha is the annualised excess return vs benchmark over the manager's tenure on this scheme. Beat-benchmark = total return beat the index over the same window.
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