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HDFC Banking & Financial Services Fund - Growth Option is an equity scheme managed by HDFC Mutual Fund. Over rolling three-year windows since inception, investors earned a median compounded return of 15.66%, with the bottom and top quartiles at 13.98% and 17.21% respectively. It has ranked in the top half of its category for 3 of the last 4 reported years. Risk-adjusted return (Sharpe ratio) is 0.00. The total expense ratio is 2.39% 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 91% of its portfolio classified as of 2026-04-30.
| Holding | Sector |
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| Window | Min | P25 | Median |
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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.
Same fund, monthly SIPs over rolling 1/3/5-year windows.
| 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.
| Weight |
|---|
| HDFC Bank Ltd. | Financial Services | 14.92% |
| ICICI Bank Ltd. | Financial Services | 13.23% |
| Axis Bank Ltd. | Financial Services | 8.38% |
| Kotak Mahindra Bank Limited | Financial Services | 7.75% |
| State Bank of India | Financial Services | 6.85% |
| Shriram Finance Ltd. | Financial Services | 4.60% |
| Bajaj Finance Ltd. | Financial Services | 3.91% |
| SBI Life Insurance Company Ltd. | Financial Services | 3.21% |
| Au Small Finance Bank Ltd. | Financial Services | 3.02% |
| Five-Star Business Finance Limited | Financial Services | 2.51% |
| Karur Vysya Bank Ltd. | Financial Services | 2.20% |
| ICICI Lombard General Insurance Co | Financial Services | 2.12% |
| Billionbrains Garage Ventures Limited (Groww) | Financial Services | 2.07% |
| CanFin Homes Ltd. | Financial Services | 2.05% |
| Angel One Ltd. | Financial Services | 2.01% |
| Home First Finance Company India Ltd | Financial Services | 1.86% |
| Equitas Small Finance Bank Ltd | Financial Services | 1.64% |
| Max Financial Services Ltd. | Financial Services | 1.63% |
| Indusind Bank Ltd. | Financial Services | 1.61% |
| Bandhan Bank Ltd. | Financial Services | 1.56% |
| PNB Housing Finance Ltd. | Financial Services | 1.53% |
| Power Finance Corporation Ltd. | Financial Services | 1.44% |
| Poonawalla Fincorp Ltd | Financial Services | 1.29% |
| ICICI PRUDENTIAL ASSET MANAGEMENT COMPANY LIMITED | Financial Services | 1.24% |
| Fusion Finance Limited | Finance | 1.24% |
| Sector | Holdings | Weight |
|---|---|---|
| Banks | 11 | 61.58% |
| Finance | 12 | 22.41% |
| Insurance | 4 | 7.63% |
| Capital Markets | 4 | 5.61% |
| Financial Technology (Fintech) | 2 | 1.16% |
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.
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.
| P75 |
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| Max |
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| Positive % |
|---|
| 1Y | -7.46% | 7.70% | 15.32% | 22.46% | 37.76% | 94.6% |
| 3Y | 10.68% | 13.98% | 15.66% | 17.21% | 24.54% | 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 68.4% means the manager bets the fund's outcome on a small basket. 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.
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.
| 5Y |
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| Star |
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