HDFC Banking & Financial Services Fund Direct Growth

Very High Risk
Equity
Sector - Financial Services

NAV as on Dec 19, 2025

Price per unit of the scheme.

₹ 19.14800.94%1 Day Change

-0.40%

Minimum Investment₹100

Expense Ratio0.52%

FUND RATING

A holistic measure of the rank of a fund relative to its peers. Top funds receive a score of 5.

*Morningstar Rating Methodology i

RISK-O-METER

Level of risk associated with a mutual fund to help investors make informed investment decisions

FUND PERFORMANCE

As On Jan 01, 2023

Compare fund’s performance against category average across different time periods

No Data Found.

Returns <= 1 year are absolute and > 1 year are annualised (CAGR)

For calculating Category Return & Scheme Ranking, only Growth & Direct schemes are considered.

FUND COMPARISON

1M 3M 6M 1Y 3Y 5Y

This Fund

HDFC Banking & Financial Services Fund Direct Growth

Equity: Sector - Financial Services Average NAV

Topper in Equity: Sector - Financial Services

All Fund

No Data Found.

*For the other fund, rescaled NAVs are used

RETURN CALCULATOR

Check the return on your investment in the fund

HDFC Banking & Financial Services Fund Direct Growth

Investment Type

Monthly Investment

Time Period (yrs)

Annual Return in %

Invested Amount
₹0
Return
₹0

Current Value
₹0

FUND SUMMARY

Benchmark

IISL Nifty Financial Services TR INR

Expense Ratio

0.52%

Category Avg Expense Ratio

0.91%

Minimum Investment (Lumpsum/SIP)

₹ 100 /₹ 100

Lock In (Years)

No Lock-in

Fund Size

₹ 4,362.29 Cr(As on Oct, 2025)

Inception Date

Jul 01, 2021

Turnover

16.00 %

Exit Load

In respect of each purchase/switch-in of units, an Exit load of 1% is payable if units are redeemed/switched-out within 1 year from the date of allotment. No Exit Load is payable if units are redeemed/switched-out after 1 year from the date of allotment.

ABOUT THE FUND

Objective: To provide long-term capital appreciation by investing predominantly in equity and equity related instruments of companies engaged in banking and financial services.

HDFC Banking & Financial Services Fund Direct Growth is an Equity - Sector - Financial Services fund. The fund was launched inJul 01, 2021. Its risk level is . The NAV of the fund as onDec 19, 2025 is ₹19.15. Its expense ratio is 0.52 %. The fund has an AUM of ₹4,362.29 Cr.The fund is managed byAnand Laddha,Priya Ranjan,Dhruv Muchhal.
The minimum initial investment is ₹100 in Lumpsum mode.

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FUND MANAGER

Anand Laddha

Lead Fund Manager.

Jul 1, 2021 - Present

Fund Manager Rank8Out of 14
i
Rank measured on the basis of consistent alpha the fund manager delivered in the same category over a period of three years (factors only Direct plan, Growth option)
Schemes managed2
Total AUM₹ 11,971.13 Cr
Highest Return In 1 Yr15.74 %

Other Funds

table
card

Fund NameMorningstar RatingNAVFund ReturnCategory ReturnRiskFund Size

HDFC Banking & Financial Services Fund Direct Growth

₹ 19.15

-0.40%

-0.91%

Very High Risk

₹4,362.29Cr

HDFC Capital Builder Value Fund -Direct Plan - Growth Option

₹ 859.14

-0.83%

-1.04%

Very High Risk

₹7,608.84Cr

HDFC Banking & Financial Services Fund Direct Growth

Very High Risk--

NAV₹ 19.15
Fund Size₹4,362.29Cr

Fund Return-0.40%

Category Return-0.91%

HDFC Capital Builder Value Fund -Direct Plan - Growth Option

Very High Risk

NAV₹ 859.14
Fund Size₹7,608.84Cr

Fund Return-0.83%

Category Return-1.04%

Returns <= 1 year are absolute and > 1 year are annualised (CAGR)

Priya Ranjan

Lead Fund Manager.

May 1, 2022 - Present

Schemes managed39
Total AUM₹ 7,57,121.87 Cr
Highest Return In 1 Yr15.74 %

Other Funds

table
card

Fund NameMorningstar RatingNAVFund ReturnCategory ReturnRiskFund Size

HDFC Retirement Savings Fund - Equity Plan - Direct Plan

₹ 58.47

-1.20%

Very High Risk

₹6,968.96Cr

HDFC Income Fund -Direct Plan - Growth Option

₹ 65.10

0.06%

0.04%

Moderate Risk

₹914.60Cr

HDFC Dynamic Debt Plan - Direct Plan - Growth Option

₹ 99.76

0.25%

0.09%

Moderate Risk

₹774.69Cr

HDFC Retirement Savings Fund - Equity Plan - Direct Plan

Very High Risk--

NAV₹ 58.47
Fund Size₹6,968.96Cr

Fund Return-1.20%

Category Return--

HDFC Income Fund -Direct Plan - Growth Option

Moderate Risk

NAV₹ 65.10
Fund Size₹914.60Cr

Fund Return0.06%

Category Return0.04%

HDFC Dynamic Debt Plan - Direct Plan - Growth Option

Moderate Risk

NAV₹ 99.76
Fund Size₹774.69Cr

Fund Return0.25%

Category Return0.09%

Returns <= 1 year are absolute and > 1 year are annualised (CAGR)

Dhruv Muchhal

Lead Fund Manager.

Jun 22, 2023 - Present

Schemes managed41
Total AUM₹ 8,21,740.67 Cr
Highest Return In 1 Yr15.74 %

Other Funds

table
card

Fund NameMorningstar RatingNAVFund ReturnCategory ReturnRiskFund Size

HDFC Defence Fund Direct Growth

₹ 23.33

-8.09%

Very High Risk

₹7,556.72Cr

HDFC Balanced Advantage Fund Direct Plan Growth Option

₹ 575.95

-0.77%

-0.66%

Very High Risk

₹1,06,493.55Cr

HDFC Credit Risk Debt Fund Direct Plan Growth Option

₹ 26.87

0.31%

0.20%

Moderately High risk

₹7,029.07Cr

HDFC Defence Fund Direct Growth

Very High Risk--

NAV₹ 23.33
Fund Size₹7,556.72Cr

Fund Return-8.09%

Category Return--

HDFC Balanced Advantage Fund Direct Plan Growth Option

Very High Risk

NAV₹ 575.95
Fund Size₹1,06,493.55Cr

Fund Return-0.77%

Category Return-0.66%

HDFC Credit Risk Debt Fund Direct Plan Growth Option

Moderately High risk

NAV₹ 26.87
Fund Size₹7,029.07Cr

Fund Return0.31%

Category Return0.20%

Returns <= 1 year are absolute and > 1 year are annualised (CAGR)

DETAILED PORTFOLIO

As on Nov, 2025

EQUITY (99.23%)

DEBT (-%)

CASH (0.77%)

Allocation by Market Cap

Large Cap(68.88%)

Mid Cap(12.34%)

Small Cap(15.46%)

Industry Holdings

Banks Regional69.15%
Credit Services11.23%
Insurance Life5.59%
Specialty Finance5.26%
Insurance Diversified2.20%
Capital Markets2.20%

Stock Holdings

HDFC Bank Ltd20.32%
ICICI Bank Ltd16.00%
Axis Bank Ltd8.04%
Kotak Mahindra Bank Ltd7.94%
State Bank of India6.07%
AU Small Finance Bank Ltd3.91%

PERFORMANCE MEASURES

Fund evaluation across critical parameters for better decision making. Study period is 3 years.

Consistency
i
It represents the consistency of a fund in beating its benchmark.
Downside Risk
i
Measured by Maximum Drawdown which shows the maximum loss from a peak to a nadir over a specified time period
Risk Adjusted Return
i
Risk adjusted return represents the return generated after factoring the risk taken to achieve it.
Volatility
i
Volatility represents the standard deviation of fund returns that is, how much the fund returns have deviated from the average.
Upside Capture Ratio
i
Fund performance relative to the index when the market is up. An upside capture ratio of >100 indicates better fund performance.
Downside Capture Ratio
i
Fund performance relative to the index when the market is down. A downside capture ratio of <100 indicates better fund performance.

HISTORICAL RISK MEASURES

Statistical measures to evaluate mutual fund risk. All ratios are calculated for a three-year time duration.

Alpha: Excess return of the fund over benchmark
i
Any Alpha above zero is considered good. However, for comparison, a fund with a higher Alpha is considered better. Alpha is normally used in conjunction with Beta. If the Beta is high, it implies that the fund manager took a high risk to generate Alpha.
3.57
This Fund
VS
0.56
Category Avg
R-Squared: How well the fund tracks benchmark
i
R-Squared measures the correlation of fund returns and its benchmark returns. It varies between 0 and 1. The metric, Beta makes no sense if R-Squared is equal to zero. Thus, both Beta and R-Squared should be used in conjunction. A fund with a high R-Squared and low Beta is considered a less risky fund.
81.87
This Fund
VS
78.34
Category Avg

Beta: Risk of the fund in relation to benchmark
i
Beta >1 indicates that the fund is more volatile than its benchmark while Beta < 1 indicates that the fund is less volatile than its benchmark. The Beta of the benchmark is equal to 1.
0.94
This Fund
VS
0.98
Category Avg
Sharpe Ratio: Risk adjusted return of the fund
i
Sharpe Ratio is a measure of return per unit of risk. A higher Sharpe ratio indicates better risk adjusted return given by the fund.
0.85
This Fund
VS
0.62
Category Avg

Sortino Ratio: Return per unit of bad risk
i
A variation of Sharpe ratio, Sortino considers only the downside risk. Unlike Sharpe ratio which considers both good risk and bad risk, Sortino factors only the bad risk. A high Sortino ratio indicates better return for each unit of downside risk.
1.59
This Fund
VS
1.12
Category Avg
Standard Devation: Volatility of the fund
i
Standard deviation is a measure of dispersion of fund returns from its average return. A fund with a higher Standard deviation is more volatile than a fund with a low standard deviation.
12.35
This Fund
VS
14.79
Category Avg

Benchmark used in calculation : S&P BSE 500 India TR INR

PEER ANALYSIS

card
table

Fund NameMorningstar RatingNAV Fund Return Category ReturnRisk Fund Size

Returns <= 1 year are absolute and > 1 year are annualised (CAGR)

TOP FUNDS FROM THIS AMC

card
table

Fund NameMorningstar RatingNAV Fund Return Category Return Risk Fund Size (Cr)

Returns <= 1 year are absolute and > 1 year are annualised (CAGR)

ABOUT THE AMC

HDFC Asset Management Co Ltd

HDFC Asset Management Co Ltd manages assets worth ₹ 9,46,143.22 crores. It’s current offering of mutual fund schemes includes 41 equity, 33 debt and 12 hybrid schemes.

Phone

+91 22 66316333

cliser@hdfcfund.com

AUM

₹ 9,46,143.22 Cr (

As on Oct 31, 2025

)

Address

“HUL House”, 2nd Floor, Mumbai,400 020

FAQ's

What is the category of HDFC Banking & Financial Services Fund Direct Growth ?

The category of HDFC Banking & Financial Services Fund Direct Growth is Equity - Sector - Financial Services

What is the current NAV of HDFC Banking & Financial Services Fund Direct Growth ?

The current NAV of HDFC Banking & Financial Services Fund Direct Growth as on Dec 19, 2025 is ₹19.15

How safe is HDFC Banking & Financial Services Fund Direct Growth ?

The risk level of HDFC Banking & Financial Services Fund Direct Growth is Very High.

What are short term returns given by HDFC Banking & Financial Services Fund Direct Growth ?

The return given by HDFC Banking & Financial Services Fund Direct Growth in 1 month is -0.40%, 3 months is 6.86%, 6 months is 7.05%, and 1 year is 15.74%

What are the long term returns given by HDFC Banking & Financial Services Fund Direct Growth ?

The return given by HDFC Banking & Financial Services Fund Direct Growth in 3 years is 16.72% and 5 years is --.

What is the expense ratio of HDFC Banking & Financial Services Fund Direct Growth ?

The expense ratio of HDFC Banking & Financial Services Fund Direct Growth is 0.52%

What is the AUM of HDFC Banking & Financial Services Fund Direct Growth ?

The assets under Management (AUM) of HDFC Banking & Financial Services Fund Direct Growth is Rs 4,362.29 crores.

What is the minimum investment in HDFC Banking & Financial Services Fund Direct Growth ?

The minimum Lumpsum investment in HDFC Banking & Financial Services Fund Direct Growth is ₹100.00 and the minimum SIP investment in HDFC Banking & Financial Services Fund Direct Growth is ₹100.00

What is the asset allocation of HDFC Banking & Financial Services Fund Direct Growth?

HDFC Banking & Financial Services Fund Direct Growth has an exposure of 99.23% in Equity and 0.77% in Cash & Money Market Securities