Mutual Funds
AMC
HDFC Banking & Financial Services Fund (IDCW)

HDFC Banking & Financial Services Fund (IDCW)

NAV
15.52(-0.77%)
Fund Size (CR)
₹4,488.88
Expense Ratio
1.9
Scheme Type
Active Fund
Value Research
-

Min. investment
₹100
Minimum Additional Investment
₹100
Minimum SIP Investment
₹100
Minimum Withdrawal
₹100
Exit Load
1% of applicable Net Asset Value - If the amount sought to be redeemed or switch out is invested for a period of up to 3 months from the date of allotment Nil - If the amount, sought to be redeemed or switch out is invested for a period of more than 3 months from the date of allotment
1%
Return Since Launch
13.29%

Absolute Return: 0.46%

Annualized Return: 0%

1% of applicable Net Asset Value - If the amount sought to be redeemed or switch out is invested for a period of up to 3 months from the date of allotment Nil - If the amount, sought to be redeemed or switch out is invested for a period of more than 3 months from the date of allotment

Basic Details

Scheme Manager

Anand Laddha

Bench Mark

Nifty Financial Services TRI

Type

OPEN

Lumpsum Returns

Period Invested For	₹10,000 Invested on	Latest Value	Absolute Returns	Annualised Returns	Category Avg	Rank within Category
1 Week	16 January 2026	9766.50	-2.34%	-	-3.38%	109/964
1 Month	23 December 2025	9791.74	-2.08%	-	-4.83%	110/964
3 Month	23 October 2025	10038.76	0.39%	-	-4.82%	112/928
6 Month	23 July 2025	10160.38	1.60%	-	-3.08%	137/898
1 Year	23 January 2025	11986.08	19.86%	19.86%	4.63%	68/822
3 Year	23 January 2023	15323.66	53.24%	15.27%	17.87%	340/506
5 Year	-	-	-	-	-	-/-
Since Inception	30 June 2021	17688.10	76.88%	13.29%	10.25%	460/964

Note: Lumpsum Returns since Inception Date.

SIP Returns

Period Invested For	₹10,000 Invested on	Investments	Latest Value	Absolute Returns	Annualised Returns
1 Year	3 February 2025	1,20,000	144587.47	20.49%	20.49%
3 Year	1 February 2023	3,60,000	464942.31	29.15%	8.90%
5 Year	1 July 2021	5,50,000	789202.20	43.49%	7.49%
10 Year	-	-	-	-	-

Note: SIP Returns since Inception Date.

Tax Treatment

If sold after 1 year from purchase date, long term capital gain tax will be applicable. Current tax rate is 10%, if your total long term capital gain exceeds 1 lakh. Any cess/surcharge is not included.If sold before 1 year from purchase date, short term capital gain tax will be applicable. Current tax rate is 15%. Any cess/surcharge is not included in the 15%.

Mutual Funds Calculator

Investment type
Scheme based

SIP
Lumpsum

Monthly Investment (₹)

Minimum value allowed is 500

Expected Returns Rate (%)

Minimum value allowed is 1

Time Period (in Years)

Minimum value allowed is 1

Start your SIP now

Invested Amount
₹25,000
Estimated Returns
₹19,059

76%

Returns

Future value of your investment

₹44,059

Risk Ratios

3.57%

Standard Deviation

0.95%

Beta

0.81%

Sharpe Ratio

0.05%

Treynor's Ratio

1.88%

Jension's Alpha

Asset Allocation

Sector Allocation

Top 10 stock holding in portfolio

Stock Invested in	% of Total Holdings	Quantity	Value (Cr)	Asset Type	Segment
HDFC Bank	20.09%	9100000	901.99	Equity	Banks
ICICI Bank	15.56%	5200000	698.31	Equity	Banks
Kotak Mah. Bank	8.27%	1687121	371.35	Equity	Banks
Axis Bank	8.02%	2837000	360.13	Equity	Banks
SBI	6.13%	2800000	275.02	Equity	Banks
Shriram Finance	3.96%	1784112	177.73	Equity	Finance
Bajaj Finance	3.79%	1725000	170.22	Equity	Finance
AU Small Finance	3.62%	1635541	162.65	Equity	Banks
SBI Life Insuran	3.13%	690000	140.41	Equity	Insurance
Can Fin Homes	2.40%	1158433	107.74	Equity	Finance

Peer Comparison

Scheme Name	Asset Size (Cr)	1M	3M	6M	1Y	3Y
Nippon India Taiwan Equity Fund - Direct (G)	427.47	10.84%	18.49%	47.04%	62.90%	42.07%
Nippon India Taiwan Equity Fund - Direct (IDCW)	427.47	10.84%	18.49%	47.04%	62.90%	42.07%
Aditya Birla SL International Equity Fund - Direct (IDCW)	275.88	4.13%	8.39%	16.06%	34.76%	17.65%
Aditya Birla SL International Equity Fund - Direct (G)	275.88	4.13%	8.39%	16.06%	34.76%	17.65%
Franklin Asian Equity Fund - Direct (G)	314.58	7.55%	9.64%	18.67%	34.51%	13.13%

List of Schemes under HDFC Mutual Fund

Fund Name	Category	Risk	1Y Returns	Ratings	Fund Size (Cr)
HDFC Children's Fund	Solution Oriented	Very High	3.09%	4	₹10,615.12
HDFC Retirement Savings Fund-Hybrid Equity	Solution Oriented	Very High	6.07%	4	₹1,744.00
HDFC Hybrid Equity Fund	Hybrid	Very High	5.45%	3	₹24,528.44
HDFC Housing Opportunities Fund	Equity	Very High	3.95%	0	₹1,277.71
HDFC NIFTY SDL Plus G-Sec Jun 2027 40:60 IF	Other	Moderate	7.59%	0	₹49.32
HDFC CRISIL-IBX Financial Services 3-6 Months Debt Index Fund	Other	Moderately Low	0%	0	₹1,116.30
HDFC NIFTY Smallcap 250 Index Fund	Other	Very High	-6.22%	0	₹565.26
HDFC BSE 500 Index Fund	Other	Very High	5.9%	0	₹256.31
HDFC Gold ETF Fund of Fund	Other	Very High	89.5%	3	₹8,501.18
HDFC Technology Fund	Equity	Very High	-4.38%	0	₹1,624.17
HDFC Transportation and Logistics Fund	Equity	Very High	21.47%	0	₹1,759.80
HDFC Infrastructure Fund	Equity	Very High	3.75%	4	₹2,452.15
HDFC Liquid Fund	Debt	Moderately Low	6.47%	3	₹63,820.13
HDFC Nifty LargeMidcap 250 Index Fund	Other	Very High	6.77%	0	₹420.95
HDFC Large and Mid Cap Fund	Equity	Very High	6.7%	4	₹28,979.87
HDFC Silver ETF Fund of Fund	Other	Very High	231.86%	0	₹3,281.00
HDFC Arbitrage Fund	Hybrid	Low	6.93%	3	₹24,030.89
HDFC NIFTY100 Low Volatility 30 Index Fund	Other	Very High	7.46%	0	₹298.03
HDFC NIFTY Midcap 150 Index Fund	Other	Very High	4.97%	0	₹489.52
HDFC BSE Sensex Index Fund	Other	Very High	7.59%	2	₹9,187.06
HDFC Nifty 100 Index Fund	Other	Very High	8.21%	2	₹403.54
HDFC Nifty 100 Equal Weight Index Fund	Other	Very High	7.62%	4	₹421.26
HDFC Nifty G-Sec Sep 2032 Index Fund	Other	Moderately High	7.12%	0	₹641.08
HDFC Nifty G-Sec Dec 2026 Index Fund	Other	Moderate	7.22%	0	₹1,149.11
HDFC Retirement Savings Fund-Hybrid Debt	Solution Oriented	Moderately High	5.94%	3	₹160.50
HDFC Banking & Financial Services Fund	Equity	Very High	21.17%	4	₹4,488.88
HDFC Multi-Asset Active FOF	Other	High	15.86%	4	₹5,533.49
HDFC Credit Risk Debt Fund	Debt	Moderately High	8.11%	3	₹6,946.94
HDFC Hybrid Debt Fund	Hybrid	Moderately High	5.45%	4	₹3,333.48
HDFC MNC Fund	Equity	Very High	1.95%	0	₹574.09
HDFC Multi-Asset Allocation Fund	Hybrid	Very High	15.01%	3	₹5,459.66
HDFC Dynamic Debt Fund	Debt	Moderate	4.75%	3	₹684.79
HDFC Pharma and Healthcare Fund	Equity	Very High	2.03%	0	₹1,983.91
HDFC NIFTY Realty Index Fund	Other	Very High	-13.42%	0	₹112.46
HDFC Income Fund	Debt	Moderate	5.31%	3	₹880.01
HDFC NIFTY200 Momentum 30 Index Fund	Other	Very High	-0.29%	0	₹667.14
HDFC Corporate Bond Fund	Debt	Moderate	6.77%	4	₹34,106.76
HDFC Low Duration Fund	Debt	Moderate	7.48%	3	₹24,935.92
HDFC Gilt Fund	Debt	Moderate	4.8%	4	₹2,757.90
HDFC Equity Savings Fund	Hybrid	Moderately High	7.52%	3	₹5,897.05
HDFC Money Market Fund	Debt	Moderate	7.34%	3	₹32,381.92
HDFC Manufacturing Fund	Equity	Very High	6.06%	0	₹11,014.17
HDFC Non-Cyclical Consumer Fund	Equity	Very High	1.88%	0	₹1,068.61
HDFC Overnight Fund	Debt	Low	5.68%	2	₹11,157.54
HDFC Large Cap Fund	Equity	Very High	7.21%	5	₹40,604.33
HDFC Arbitrage Fund	Hybrid	Low	6.93%	0	₹24,030.89
HDFC Nifty India Digital Index Fund	Other	Very High	-2.01%	0	₹173.94
HDFC Long Duration Debt Fund	Debt	Moderately High	2.04%	0	₹4,124.19
HDFC NIFTY50 Equal Weight Index Fund	Other	Very High	11.52%	4	₹1,630.41
HDFC BSE India Sector Leaders Index Fund	Other	Very High	0%	0	₹225.21
HDFC Nifty 100 Quality 30 Index Fund	Other	Very High	0%	0	₹161.62
HDFC Nifty G-Sec Jun 2036 Index Fund	Other	High	6.73%	0	₹939.84
HDFC Ultra Short Term Fund	Debt	Moderate	7.04%	2	₹18,183.24
HDFC Developed World Overseas Equity Passive FOF	Other	Very High	25.79%	0	₹1,491.77
HDFC Income Plus Arbitrage Active FOF	Other	High	3.72%	0	₹2,569.28
HDFC Defence Fund	Equity	Very High	16.5%	0	₹7,390.95
HDFC Banking and PSU Debt Fund	Debt	Moderately Low	7.18%	4	₹5,666.17
HDFC Nifty G-Sec July 2031 Index Fund	Other	Moderately High	7.5%	0	₹667.65
HDFC Nifty SDL Oct 2026 Index Fund	Other	Moderate	7.33%	0	₹186.00
HDFC Mid Cap Fund	Equity	Very High	9.97%	5	₹92,641.55
HDFC Small Cap Fund	Equity	Very High	0.97%	4	₹37,753.13
HDFC Nifty 50 Index Fund	Other	Very High	8.99%	3	₹22,718.37
HDFC Nifty G-Sec Apr 2029 Index Fund	Other	Moderately High	8.36%	0	₹174.51
HDFC Focused Fund	Equity	Very High	12.25%	5	₹26,537.49
HDFC Flexi Cap Fund	Equity	Very High	13.02%	5	₹96,294.99
HDFC Business Cycle Fund	Equity	Very High	3.41%	0	₹2,801.48
HDFC Tax Saver Fund	Equity	Very High	10.33%	5	₹17,163.37
HDFC Diversified Equity All Cap Active FOF	Other	Very High	0%	0	₹1,899.55
HDFC Retirement Savings Fund - Equity	Solution Oriented	Very High	6.07%	5	₹7,085.71
HDFC Dividend Yield Fund	Equity	Very High	3.86%	0	₹6,104.64
HDFC Innovation Fund	Equity	Very High	0%	0	₹2,707.09
HDFC Value Fund	Equity	Very High	9.67%	2	₹7,651.59
HDFC Short Term Debt Fund	Debt	Moderate	7.63%	5	₹17,764.32
HDFC Floating Rate Debt Fund	Debt	Moderate	7.61%	4	₹16,733.42
HDFC Multi Cap Fund	Equity	Very High	3.22%	4	₹19,884.94
HDFC Nifty500 Multicap 50:25:25 Index Fund	Other	Very High	3.85%	0	₹438.33
HDFC Medium Term Debt Fund	Debt	Moderately High	7.82%	3	₹3,867.56
HDFC Nifty G-Sec Jun 2027 Index Fund	Other	Moderately High	7.61%	0	₹747.36
HDFC Nifty Top 20 Equal Weight Index Fund	Other	Very High	0%	0	₹86.59
HDFC NIFTY Next 50 Index Fund	Other	Very High	4.84%	1	₹2,159.44
HDFC Balanced Advantage Fund	Hybrid	Very High	7.18%	5	₹1,08,205.06

News

HDFC MF announces Income Distribution cum capital withdrawal (IDCW) under its scheme
HDFC Mutual Fund has announced 27 January 2026 as the record date for declaration of IDCW in the following scheme. The proposed IDCW on the face value of Rs 10 per unit will be:
HDFC Balanced Advantage Fund:
Regular Plan ' IDCW: 0.250
Direct Plan ' IDCW: 0.250
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HDFC MF announces Income Distribution cum Capital Withdrawal (IDCW) under its schemes
HDFC Mutual Fund has announced 20 January 2026 as the record date for declaration of Income Distribution cum Capital Withdrawal (IDCW) on the face value of Rs 10 per unit under the regular plan IDCW & monthly IDCW option and direct plan IDCW & monthly IDCW option of HDFC Arbitrage Fund. The amount of distribution (Rs per unit) will be:
HDFC Arbitrage Fund ' Wholesale Plan ' Regular Plan ' Normal IDCW Option (Payout & Reinvestment): 0.050
HDFC Arbitrage Fund ' Wholesale Plan ' Direct Plan ' Normal IDCW Option (Payout & Reinvestment): 0.050
HDFC Arbitrage Fund ' Wholesale Plan ' Regular Plan ' Monthly IDCW Option (Payout & Reinvestment): 0.050
HDFC Arbitrage Fund ' Wholesale Plan ' Direct Plan ' Monthly IDCW Option (Payout & Reinvestment): 0.050
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HDFC Mutual Fund Change in Minimum Redemption Amount
HDFC Mutual Fund announces that the Minimum Redemption Amount for HDFC Liquid Fund and HDFC Overnight Fund stands modified as under with effect from January 15, 2026.

Scheme Name(s) Existing Provision Revised Provision

HDFC Liquid Fund and HDFC Overnight Fund Minimum IAF request amount shall Rs.5,000/- Minimum IAF request amount shall be Rs.50/-

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Scheme Name(s)	Existing Provision	Revised Provision
HDFC Liquid Fund and HDFC Overnight Fund	Minimum IAF request amount shall Rs.5,000/-	Minimum IAF request amount shall be Rs.50/-

Fund House Details & Investment Objective

Date of Incorporation

11 June 2021

Total AUM (Cr)

₹4488.88

HDFC Banking & Financial Services Fund (IDCW) is an Sectoral / Thematic-oriented fund from the renowned AMC, HDFC Mutual Fund. Launched in 11 June 2021, this fund is managed by Anand Laddha. With assets under management (AUM) worth ₹4,488.88 (Cr), as of 23 January 2026, HDFC Banking & Financial Services Fund (IDCW) is categorized as a Sectoral / Thematic within its segment. The fund has generated a return of 13.29% since its launch.
The current NAV of HDFC Banking & Financial Services Fund (IDCW) is ₹15.52, as on 23 January 2026. The fund's benchmark index is Nifty Financial Services TRI. You can invest in HDFC Banking & Financial Services Fund (IDCW) via both lumpsum and SIP modes. The minimum SIP amount in the fund is ₹100 while the minimum lumpsum investment is ₹100.

Being an open-ended fund, you can exit the fund anytime subject to applicable exit loads:
The fund has generated 15.27% and undefined% CAGR in the last 3 and 5 years respectively.

The fund aims to provide long-term capital appreciation and growth, by investing in a mix of financial instruments 99.34% in Equity, 0.77% in Debt and -0.11% in cash and cash equivalents.
The top 5 sectors the fund invests in are: 67.14% in Banks, 17.84% in Finance, 9.52% in Insurance, 2.92% in Debt, 2.74% in Capital Markets