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HDFC Banking & Financial Services Fund - Growth Option - Direct Plan is an equity scheme managed by HDFC Mutual Fund. Over rolling three-year windows since inception, investors earned a median compounded return of 17.28%, with the bottom and top quartiles at 15.62% and 18.77% respectively. It has ranked in the top half of its category for 0 of the last 1 reported years. The total expense ratio is 1.34% on assets of ₹4,370Cr. The fund is currently managed by Mr. Anand Laddha, appointed within the last year.
Lower is better.
This scheme classifies as Large-Value on the 3x3 equity style box, with 93% of its portfolio classified as of 2026-05-29.
| Holding | Sector |
|---|
| Window | Min | P25 | Median |
|---|
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.
Same fund, monthly SIPs over rolling 1/3/5-year windows.
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.
| Weight |
|---|
| HDFC BANK LIMITED | Financial Services | 14.92% |
| ICICI BANK LIMITED | Financial Services | 13.23% |
| AXIS BANK LIMITED | Financial Services | 8.38% |
| STATE BANK OF INDIA | Financial Services | 6.85% |
| Shriram Finance Limited | Financial Services | 4.60% |
| SBI LIFE INSURANCE COMPANY LIMITED | Financial Services | 3.21% |
| AU SMALL FINANCE BANK LIMITED | Financial Services | 3.02% |
| FIVE-STAR BUSINESS FINANCE LIMITED | Financial Services | 2.51% |
| CAN FIN HOMES LIMITED | Financial Services | 2.05% |
| HOME FIRST FINANCE COMPANY INDIA LIMITED | Financial Services | 1.86% |
| EQUITAS SMALL FINANCE BANK LIMITED | Financial Services | 1.64% |
| MAX FINANCIAL SERVICES LIMITED | Financial Services | 1.63% |
| INDUSIND BANK LIMITED | Financial Services | 1.61% |
| BANDHAN BANK LIMITED | Financial Services | 1.56% |
| PNB HOUSING FINANCE LTD | Financial Services | 1.53% |
| POWER FINANCE CORPORATION LTD. | Financial Services | 1.44% |
| POONAWALLA FINCORP LIMITED | Financial Services | 1.29% |
| PB FINTECH LIMITED | Financial Services | 1.00% |
| BAJAJ FINSERV LIMITED | Financial Services | 0.76% |
| MEDI ASSIST HEALTHCARE SERVICES LIMITED | Healthcare | 0.67% |
| SBFC FINANCE LIMITED | Financial Services | 0.63% |
| INDIAN BANK | Financial Services | 0.42% |
| BSE LIMITED | Financial Services | 0.29% |
| ONE MOBIKWIK SYSTEMS LIMITED | Technology | 0.16% |
| Sector | Holdings | Weight |
|---|---|---|
| Financial Services | 22 | 98.39% |
Active bets vs the average Equity 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.
| P75 |
|---|
| Max |
|---|
| Positive % |
|---|
| 1Y | -5.73% | 9.33% | 16.88% | 24.12% | 39.92% | 96.3% |
| 3Y | 12.28% | 15.62% | 17.28% | 18.77% | 26.22% | 100.0% |
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 60.6% means concentration is in line with most actively-managed Indian equity funds. Effective-N is the inverse Herfindahl index — a measure of "how many positions effectively drive the fund" after weighting. Category: Equity.
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.
What an investor SIPping into this fund actually got during named market shocks.
Each row is a back-tested SIP — monthly contribution over the regime's duration, no fees adjustment beyond NAV-baked TER. XIRR is the annualised IRR of those cashflows; Abs return is the absolute cash-on-cash; Max DD is the deepest drawdown experienced mid-investment. Past performance is not indicative of future results.
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.