HDFC Banking & Financial Services Fund (IDCW)

Sectoral / Thematic

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NAV
16.25(0.02%)
Fund Size (CR)
₹4,485.99
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%
Return Since Launch
14.21%

Absolute Return: 2.51%

Annualized Return: 0%

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	9 February 2026	10053.87	0.54%	-	-0.66%	140/972
1 Month	16 January 2026	10223.40	2.23%	-	0.25%	213/964
3 Month	14 November 2025	10372.25	3.72%	-	-1.47%	87/936
6 Month	14 August 2025	11064.53	10.65%	-	3.11%	87/912
1 Year	14 February 2025	12678.53	26.79%	26.79%	14.55%	97/832
3 Year	16 February 2023	16490.56	64.91%	18.13%	19.56%	290/506
5 Year	-	-	-	-	-	-/-
Since Inception	30 June 2021	18515.60	85.16%	14.21%	11.61%	444/974

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 March 2025	1,20,000	150202.69	25.17%	25.17%
3 Year	1 March 2023	3,60,000	481790.68	33.83%	10.20%
5 Year	1 July 2021	5,60,000	838212.54	49.68%	8.40%
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

Monthly Investment (₹)

Minimum value allowed is 500

Expected Returns Rate (%)

Minimum value allowed is 1

Time Period (in Years)

Minimum value allowed is 1

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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

0.07%

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	18.85%	9100000	845.62	Equity	Banks
ICICI Bank	15.10%	5000000	677.50	Equity	Banks
Axis Bank	8.67%	2837000	388.78	Equity	Banks
Kotak Mah. Bank	8.04%	8835605	360.49	Equity	Banks
SBI	6.72%	2800000	301.60	Equity	Banks
Shriram Finance	4.42%	1944112	198.30	Equity	Finance
Bajaj Finance	4.09%	1974782	183.63	Equity	Finance
AU Small Finance	3.18%	1450000	142.44	Equity	Banks
SBI Life Insuran	3.07%	690000	137.90	Equity	Insurance
Can Fin Homes	2.29%	1100000	102.57	Equity	Finance

Peer Comparison

Scheme Name	Asset Size (Cr)	1M	3M	6M	1Y	3Y
Nippon India Taiwan Equity Fund - Direct (G)	448.04	15.92%	24.46%	44.04%	77.81%	42.51%
Nippon India Taiwan Equity Fund - Direct (IDCW)	448.04	15.92%	24.46%	44.04%	77.81%	42.51%
HDFC Defence Fund - Direct (G)	7793.88	2.89%	-2.65%	3.07%	42.07%	-
HDFC Defence Fund - Direct (IDCW)	7793.88	2.89%	-2.65%	3.07%	42.07%	-
Franklin Asian Equity Fund - Direct (G)	371.57	4.05%	12.71%	22.34%	37.73%	14.70%

List of Schemes under HDFC Mutual Fund

Fund Name	Category	Risk	1Y Returns	Ratings	Fund Size (Cr)
HDFC Small Cap Fund	Equity	Very High	13.26%	4	₹36,940.54
HDFC Large and Mid Cap Fund	Equity	Very High	16.6%	4	₹28,239.50
HDFC Income Plus Arbitrage Active FOF	Other	High	6.6%	0	₹2,263.90
HDFC Arbitrage Fund	Hybrid	Low	6.83%	0	₹24,502.54
HDFC Value Fund	Equity	Very High	18.7%	2	₹7,486.92
HDFC Children's Fund	Solution Oriented	Very High	8.31%	4	₹10,361.36
HDFC Overnight Fund	Debt	Low	5.58%	2	₹10,420.83
HDFC Money Market Fund	Debt	Moderate	7.4%	3	₹34,062.71
HDFC Low Duration Fund	Debt	Moderate	7.69%	3	₹24,846.14
HDFC Focused Fund	Equity	Very High	18.26%	5	₹26,332.20
HDFC Flexi Cap Fund	Equity	Very High	17.93%	5	₹97,451.56
HDFC Floating Rate Debt Fund	Debt	Moderate	7.84%	4	₹16,607.91
HDFC Gilt Fund	Debt	Moderate	4.94%	4	₹2,740.18
HDFC Gold ETF Fund of Fund	Other	Very High	75.62%	3	₹11,457.67
HDFC Balanced Advantage Fund	Hybrid	Very High	12.43%	5	₹1,06,820.61
HDFC Medium Term Debt Fund	Debt	Moderately High	8.22%	3	₹3,861.91
HDFC Dynamic Debt Fund	Debt	Moderate	4.9%	3	₹643.81
HDFC Income Fund	Debt	Moderate	5.68%	3	₹879.42
HDFC Nifty 50 Index Fund	Other	Very High	12.98%	3	₹22,260.25
HDFC BSE Sensex Index Fund	Other	Very High	10.64%	2	₹8,900.41
HDFC Infrastructure Fund	Equity	Very High	18.11%	4	₹2,366.20
HDFC Liquid Fund	Debt	Moderately Low	6.44%	3	₹59,966.31
HDFC Corporate Bond Fund	Debt	Moderate	7.04%	4	₹33,442.18
HDFC Hybrid Debt Fund	Hybrid	Moderately High	7.37%	4	₹3,321.63
HDFC Mid Cap Fund	Equity	Very High	21.82%	5	₹92,186.87
HDFC Equity Savings Fund	Hybrid	Moderately High	9.99%	3	₹5,837.48
HDFC Multi-Asset Allocation Fund	Hybrid	Very High	17.41%	3	₹5,713.61
HDFC Hybrid Equity Fund	Hybrid	Very High	9.68%	3	₹23,821.28
HDFC Short Term Debt Fund	Debt	Moderate	7.85%	5	₹17,416.20
HDFC Tax Saver Fund	Equity	Very High	14.7%	5	₹16,749.21
HDFC Large Cap Fund	Equity	Very High	12.67%	5	₹39,620.90
HDFC Credit Risk Debt Fund	Debt	Moderately High	8.57%	3	₹6,876.49
HDFC Banking and PSU Debt Fund	Debt	Moderately Low	7.46%	4	₹5,624.96
HDFC Arbitrage Fund	Hybrid	Low	6.83%	3	₹24,502.54
HDFC Retirement Savings Fund - Equity	Solution Oriented	Very High	12.24%	5	₹6,941.17
HDFC Retirement Savings Fund-Hybrid Equity	Solution Oriented	Very High	10.64%	4	₹1,702.59
HDFC Retirement Savings Fund-Hybrid Debt	Solution Oriented	Moderately High	7.75%	3	₹159.98
HDFC Housing Opportunities Fund	Equity	Very High	17.85%	0	₹1,247.54
HDFC Ultra Short Term Fund	Debt	Moderate	7.09%	2	₹17,353.42
HDFC Dividend Yield Fund	Equity	Very High	12.76%	0	₹5,862.99
HDFC Multi-Asset Active FOF	Other	High	17.69%	4	₹5,658.58
HDFC Banking & Financial Services Fund	Equity	Very High	28.17%	4	₹4,485.99
HDFC NIFTY50 Equal Weight Index Fund	Other	Very High	17.8%	4	₹1,637.94
HDFC Developed World Overseas Equity Passive FOF	Other	Very High	22.51%	0	₹1,537.94
HDFC NIFTY Next 50 Index Fund	Other	Very High	17.2%	1	₹2,143.99
HDFC Multi Cap Fund	Equity	Very High	14.61%	4	₹19,182.58
HDFC Nifty 100 Index Fund	Other	Very High	13.62%	2	₹396.78
HDFC Nifty 100 Equal Weight Index Fund	Other	Very High	17.44%	4	₹421.36
HDFC Silver ETF Fund of Fund	Other	Very High	138.26%	0	₹5,811.22
HDFC Business Cycle Fund	Equity	Very High	11.26%	0	₹2,678.20
HDFC Nifty G-Sec Dec 2026 Index Fund	Other	Moderate	7.19%	0	₹1,155.84
HDFC Nifty G-Sec July 2031 Index Fund	Other	Moderately High	7.9%	0	₹663.44
HDFC Nifty G-Sec Jun 2027 Index Fund	Other	Moderately High	7.73%	0	₹743.66
HDFC Nifty G-Sec Sep 2032 Index Fund	Other	Moderately High	7.57%	0	₹639.72
HDFC Long Duration Debt Fund	Debt	Moderately High	2.47%	0	₹4,017.33
HDFC Nifty SDL Oct 2026 Index Fund	Other	Moderate	7.23%	0	₹184.84
HDFC MNC Fund	Equity	Very High	12.2%	0	₹551.21
HDFC Nifty G-Sec Jun 2036 Index Fund	Other	High	7.36%	0	₹938.75
HDFC Nifty G-Sec Apr 2029 Index Fund	Other	Moderately High	8.38%	0	₹174.86
HDFC NIFTY SDL Plus G-Sec Jun 2027 40:60 IF	Other	Moderate	7.71%	0	₹49.33
HDFC NIFTY Midcap 150 Index Fund	Other	Very High	20.02%	0	₹482.82
HDFC NIFTY Smallcap 250 Index Fund	Other	Very High	10.34%	0	₹545.71
HDFC BSE 500 Index Fund	Other	Very High	14.01%	0	₹254.59
HDFC Defence Fund	Equity	Very High	42.07%	0	₹7,793.88
HDFC Non-Cyclical Consumer Fund	Equity	Very High	8.86%	0	₹1,009.59
HDFC Transportation and Logistics Fund	Equity	Very High	32.89%	0	₹1,693.29
HDFC Technology Fund	Equity	Very High	-10.99%	0	₹1,589.85
HDFC Pharma and Healthcare Fund	Equity	Very High	15.45%	0	₹1,875.89
HDFC NIFTY200 Momentum 30 Index Fund	Other	Very High	11.08%	0	₹625.37
HDFC NIFTY Realty Index Fund	Other	Very High	0.61%	0	₹105.09
HDFC Manufacturing Fund	Equity	Very High	19.39%	0	₹10,338.03
HDFC NIFTY100 Low Volatility 30 Index Fund	Other	Very High	10.82%	0	₹279.99
HDFC Nifty500 Multicap 50:25:25 Index Fund	Other	Very High	14.41%	0	₹420.47
HDFC Nifty LargeMidcap 250 Index Fund	Other	Very High	16.88%	0	₹417.06
HDFC Nifty India Digital Index Fund	Other	Very High	-2.67%	0	₹161.50
HDFC Nifty 100 Quality 30 Index Fund	Other	Very High	0%	0	₹160.51
HDFC Nifty Top 20 Equal Weight Index Fund	Other	Very High	0%	0	₹84.19
HDFC CRISIL-IBX Financial Services 3-6 Months Debt Index Fund	Other	Moderately Low	0%	0	₹1,218.00
HDFC Innovation Fund	Equity	Very High	0%	0	₹2,597.76
HDFC Diversified Equity All Cap Active FOF	Other	Very High	0%	0	₹1,936.23
HDFC BSE India Sector Leaders Index Fund	Other	Very High	0%	0	₹209.50

News

HDFC MF announces Income Distribution cum Capital Withdrawal (IDCW) under three schemes
HDFC Mutual Fund has announced 19 February 2026 as the record date for declaration of Income Distribution cum Capital Withdrawal (IDCW) under the following schemes. The amount of distribution (Rs per unit) on the face value of Rs 10 per unit will be:
HDFC Large and Mid Cap Fund ' Regular Plan - IDCW Option & Direct Plan - IDCW Option: 2.50 each.
HDFC Multi-Asset Allocation Fund ' Regular Plan - IDCW Option & Direct Plan - IDCW Option: 1.00 each.
HDFC Mid Cap Fund ' Regular Plan - IDCW Option & Direct Plan - IDCW Option: 5.00 each.
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HDFC MF announces Income Distribution cum Capital Withdrawal (IDCW) under its schemes
HDFC Mutual Fund has announced 17 February 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 MF announces Income Distribution cum Capital Withdrawal (IDCW) under its schems
HDFC Mutual Fund has announced 12 February 2026 as the record date for declaration of Income Distribution cum Capital Withdrawal (IDCW) option under the following schemes. The amount of IDCW (Rs per unit) on the face value of Rs 10 per unit will be:
HDFC Focused Fund:
Regular Plan ' IDCW: 2.25
Direct Plan ' IDCW: 2.25
HDFC Large Cap Fund:
Regular Plan ' IDCW: 5.50
Direct Plan ' IDCW: 5.50
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Fund House Details & Investment Objective

Date of Incorporation

11 June 2021

Total AUM (Cr)

₹4485.99

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 ₹4,485.99 (Cr), as of 17 February 2026, HDFC Banking & Financial Services Fund (IDCW) is categorized as a Sectoral / Thematic within its segment. The fund has generated a return of 14.21% since its launch.
The current NAV of HDFC Banking & Financial Services Fund (IDCW) is ₹16.25, as on 17 February 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 18.13% 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 99.43% in Equity, 0.61% in Debt and -0.04% in cash and cash equivalents.
The top 5 sectors the fund invests in are: 68.14% in Banks, 17.48% in Finance, 8.55% in Insurance, 4.35% in Capital Markets, 0.82% in Financial Technology (Fin