HDFC Banking & Financial Services Fund-Dir (IDCW)

Sectoral / Thematic

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NAV
16.89(-0.83%)
Fund Size (CR)
₹4,582.3
Expense Ratio
0.95
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
13.84%

Absolute Return: 1.91%

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	July 15, 2026	9790.20	-2.10%	-	-0.47%	944/1007
1 Month	June 22, 2026	10006.49	0.06%	-	0.47%	591/1007
3 Month	April 22, 2026	10093.04	0.93%	-	3.74%	678/1007
6 Month	January 22, 2026	10132.67	1.33%	-	6.57%	654/964
1 Year	July 22, 2025	10485.11	4.85%	4.85%	5.18%	385/898
3 Year	July 21, 2023	14480.13	44.80%	13.11%	15.67%	325/544
5 Year	July 22, 2021	19419.16	94.19%	14.19%	14.05%	196/442
Since Inception	June 30, 2021	19277.40	92.77%	13.84%	11.78%	432/1007

Note: Lumpsum Returns since Inception Date.

SIP Returns

Period Invested For	₹10,000 Invested on	Investments	Latest Value	Absolute Returns	Annualised Returns
1 Year	August 1, 2025	1,20,000	141001.14	17.50%	17.50%
3 Year	August 1, 2023	3,60,000	452168.40	25.60%	7.89%
5 Year	August 2, 2021	6,00,000	875230.62	45.87%	7.84%
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

Risk Ratios

4.69%

Standard Deviation

0.99%

Beta

0.56%

Sharpe Ratio

0.00%

Treynor's Ratio

2.99%

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	14.71%	8450000	674.27	Equity	Banks
ICICI Bank	13.92%	4637000	637.68	Equity	Banks
Axis Bank	8.48%	2887000	388.50	Equity	Banks
Kotak Mah. Bank	7.56%	8835605	346.58	Equity	Banks
SBI	6.27%	2800000	287.53	Equity	Banks
Shriram Finance	4.88%	2144112	223.45	Equity	Finance
Bajaj Finance	4.00%	1825000	183.37	Equity	Finance
SBI Life Insuran	2.97%	770000	135.96	Equity	Insurance
Five-Star Bus.Fi	2.52%	2283192	115.32	Equity	Finance
AU Small Finance	2.49%	1100000	114.08	Equity	Banks

Peer Comparison

Scheme Name	Asset Size (Cr)	1M	3M	6M	1Y	3Y
HDFC Banking & Financial Services Fund-Dir (IDCW)	4582.30	0.06%	0.93%	1.33%	4.85%	13.11%
Nippon India Taiwan Equity Fund - Direct (G)	1191.72	-14.62%	1.14%	74.28%	154.31%	53.82%
Nippon India Taiwan Equity Fund - Direct (IDCW)	1191.72	-14.62%	1.14%	74.28%	154.31%	53.82%
Franklin Asian Equity Fund - Direct (G)	979.21	-5.66%	9.38%	17.28%	40.88%	20.38%
Franklin Asian Equity Fund - Direct (IDCW)	979.21	-5.66%	9.38%	17.28%	40.87%	20.37%
Nippon India Japan Equity Fund - Direct (G)	332.11	0.68%	7.88%	17.61%	39.05%	20.46%

List of Schemes under HDFC Mutual Fund

Fund Name	Category	Risk	1Y Returns	Ratings	Fund Size (Cr)
HDFC Small Cap Fund	Equity	Very High	-2.22%	4	₹40,416.80
HDFC Large and Mid Cap Fund	Equity	Very High	0.83%	4	₹29,284.71
HDFC Income Plus Arbitrage Active FOF	Other	High	5.51%	0	₹2,470.72
HDFC Value Fund	Equity	Very High	4.51%	2	₹7,583.27
HDFC Children's Fund	Solution Oriented	Very High	-2.01%	4	₹10,487.87
HDFC Overnight Fund	Debt	Low	5.3%	2	₹13,192.15
HDFC Money Market Fund	Debt	Moderate	6.28%	3	₹30,251.16
HDFC Low Duration Fund	Debt	Moderate	6.19%	3	₹18,338.03
HDFC Focused Fund	Equity	Very High	1.51%	5	₹27,303.27
HDFC Flexi Cap Fund	Equity	Very High	2.44%	5	₹1,06,495.63
HDFC Floating Rate Debt Fund	Debt	Moderate	6.08%	4	₹16,404.97
HDFC Gilt Fund	Debt	Moderate	2.71%	4	₹2,050.48
HDFC Gold ETF Fund of Fund	Other	Very High	43.72%	3	₹11,019.45
HDFC Balanced Advantage Fund	Hybrid	Very High	0.6%	5	₹1,06,456.16
HDFC Medium Term Debt Fund	Debt	Moderately High	6.3%	3	₹3,644.59
HDFC Dynamic Debt Fund	Debt	Moderate	3.56%	3	₹524.96
HDFC Income Fund	Debt	Moderate	3.77%	3	₹831.50
HDFC Nifty 50 Index Fund	Other	Very High	-3.42%	3	₹23,702.96
HDFC BSE Sensex Index Fund	Other	Very High	-5.9%	2	₹8,484.72
HDFC Infrastructure Fund	Equity	Very High	-2.04%	4	₹2,444.21
HDFC Liquid Fund	Debt	Moderately Low	6.34%	3	₹74,903.38
HDFC Corporate Bond Fund	Debt	Moderate	4.75%	4	₹30,699.01
HDFC Hybrid Debt Fund	Hybrid	Moderately High	2.22%	4	₹3,253.70
HDFC Mid Cap Fund	Equity	Very High	5.11%	5	₹1,00,858.31
HDFC Equity Savings Fund	Hybrid	Moderately High	3.37%	3	₹5,639.52
HDFC Multi-Asset Allocation Fund	Hybrid	Very High	4.79%	3	₹5,881.41
HDFC Hybrid Equity Fund	Hybrid	Very High	-5.05%	3	₹22,367.86
HDFC Short Term Debt Fund	Debt	Moderate	5.64%	5	₹15,120.23
HDFC Tax Saver Fund	Equity	Very High	-3.07%	5	₹15,685.17
HDFC Large Cap Fund	Equity	Very High	-0.86%	5	₹39,023.69
HDFC Credit Risk Debt Fund	Debt	Moderately High	7.08%	3	₹7,650.37
HDFC Banking and PSU Debt Fund	Debt	Moderately Low	5.13%	4	₹5,305.22
HDFC Arbitrage Fund	Hybrid	Low	6.57%	3	₹25,084.91
HDFC Retirement Savings Fund - Equity	Solution Oriented	Very High	-4.36%	5	₹6,832.14
HDFC Retirement Savings Fund-Hybrid Equity	Solution Oriented	Very High	-3.56%	4	₹1,613.52
HDFC Retirement Savings Fund-Hybrid Debt	Solution Oriented	Moderately High	1.47%	3	₹148.68
HDFC Housing Opportunities Fund	Equity	Very High	-5.64%	0	₹1,192.72
HDFC Ultra Short Term Fund	Debt	Moderate	6.25%	2	₹17,390.75
HDFC Dividend Yield Fund	Equity	Very High	-0.47%	0	₹5,655.56
HDFC Multi-Asset Active FOF	Other	High	6.87%	4	₹6,035.33
HDFC Banking & Financial Services Fund	Equity	Very High	4.85%	4	₹4,582.30
HDFC NIFTY50 Equal Weight Index Fund	Other	Very High	4.77%	4	₹1,747.33
HDFC Developed World Overseas Equity Passive FOF	Other	Very High	32.97%	0	₹1,671.93
HDFC NIFTY Next 50 Index Fund	Other	Very High	6.54%	1	₹2,534.10
HDFC Multi Cap Fund	Equity	Very High	-2.42%	4	₹20,216.88
HDFC Nifty 100 Index Fund	Other	Very High	-1.74%	2	₹448.39
HDFC Nifty 100 Equal Weight Index Fund	Other	Very High	5.6%	4	₹505.08
HDFC Silver ETF Fund of Fund	Other	Very High	91.44%	0	₹4,326.56
HDFC Business Cycle Fund	Equity	Very High	2.11%	0	₹2,703.41
HDFC Nifty G-Sec Dec 2026 Index Fund	Other	Moderate	5.55%	0	₹940.74
HDFC Nifty G-Sec July 2031 Index Fund	Other	Moderately High	4.81%	0	₹635.20
HDFC Nifty G-Sec Jun 2027 Index Fund	Other	Moderately High	5.46%	0	₹582.28
HDFC Nifty G-Sec Sep 2032 Index Fund	Other	Moderately High	4.51%	0	₹628.28
HDFC Long Duration Debt Fund	Debt	Moderately High	0.9%	0	₹2,999.45
HDFC Nifty SDL Oct 2026 Index Fund	Other	Moderate	5.68%	0	₹181.81
HDFC MNC Fund	Equity	Very High	2.36%	0	₹540.21
HDFC Nifty G-Sec Jun 2036 Index Fund	Other	High	4.15%	0	₹827.79
HDFC Nifty G-Sec Apr 2029 Index Fund	Other	Moderately High	5.21%	0	₹156.56
HDFC NIFTY SDL Plus G-Sec Jun 2027 40:60 IF	Other	Moderate	5.63%	0	₹48.48
HDFC NIFTY Midcap 150 Index Fund	Other	Very High	4.97%	0	₹650.60
HDFC NIFTY Smallcap 250 Index Fund	Other	Very High	0.31%	0	₹701.63
HDFC BSE 500 Index Fund	Other	Very High	-0.49%	0	₹300.28
HDFC Defence Fund	Equity	Very High	22.4%	0	₹10,529.25
HDFC Consumption Fund	Equity	Very High	-4.16%	0	₹998.25
HDFC Transportation and Logistics Fund	Equity	Very High	14.5%	0	₹1,792.44
HDFC Technology Fund	Equity	Very High	-15.5%	0	₹1,278.73
HDFC Pharma and Healthcare Fund	Equity	Very High	20.23%	0	₹2,611.33
HDFC NIFTY200 Momentum 30 Index Fund	Other	Very High	-1.75%	0	₹620.44
HDFC NIFTY Realty Index Fund	Other	Very High	-9.44%	0	₹127.38
HDFC Manufacturing Fund	Equity	Very High	6.87%	0	₹10,327.97
HDFC NIFTY100 Low Volatility 30 Index Fund	Other	Very High	1.23%	0	₹221.99
HDFC Nifty500 Multicap 50:25:25 Index Fund	Other	Very High	0.58%	0	₹486.59
HDFC Nifty LargeMidcap 250 Index Fund	Other	Very High	1.7%	0	₹447.20
HDFC Nifty India Digital Index Fund	Other	Very High	-10.37%	0	₹139.25
HDFC Nifty 100 Quality 30 Index Fund	Other	Very High	0.51%	0	₹142.51
HDFC Nifty Top 20 Equal Weight Index Fund	Other	Very High	-3.54%	0	₹90.69
HDFC CRISIL-IBX Financial Services 3-6 Months Debt Index Fund	Other	Moderately Low	6.97%	0	₹2,220.38
HDFC Innovation Fund	Equity	Very High	11.62%	0	₹2,760.39
HDFC Diversified Equity All Cap Active FOF	Other	Very High	0%	0	₹2,618.97
HDFC BSE India Sector Leaders Index Fund	Other	Very High	0%	0	₹186.28
HDFC Nifty India Consumption Index Fund	Other	Very High	0%	0	₹135.02
HDFC Income Plus Arbitrage Omni FOF	Other	High	0%	0	₹27.14
HDFC CRISIL-IBX Financial Services 9-12 Months Debt Index Fund	Other	Moderately Low	0%	0	₹901.67

News

HDFC MF announces Income Distribution cum Capital Withdrawal (IDCW) under its schemes
HDFC Mutual Fund has announced 21 July 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 ' 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 announces change in Exit Load Structure

HDFC Mutual Fund has announced change in exit load structure under following scheme stands revised with effect from June 29, 2026.

Change in Exit Load:

Name of the Scheme	Existing Exit Load	Revised Exit Load
HDFC Arbitrage Fund	' In respect of each purchase / switch-in of Units, an Exit load of 0.25% is payable if Units are redeemed / switched-out within 1 month from the date of allotment of units. ' No Exit Load is payable if Units are redeemed/switched-out after 1 month from the date of allotment.	' In respect of each purchase / switch-in of Units, an Exit load of 0.25% is payable if Units are redeemed / switched-out within 15 days from the date of allotment of units. ' No Exit Load is payable if Units are redeemed/switched-out after 15 days from the date of allotment.

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Temporary restriction of lumpsum subscriptions in two schemes of HDFC Mutual Fund
HDFC Mutual Fund has announced a temporary restriction on lumpsum subscriptions in following schemes.
HDFC Gold ETF Fund of Fund ' Lumpsum purchase/switch-ins shall be subject to the Rs 10 lakh per PAN per month limit, effective June 5, 2026.
HDFC Gold ETF ' Lumpsum subscriptions of minimum Rs. 25 Cr shall be restricted, effective June 8, 2026.
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Fund House Details & Investment Objective

Date of Incorporation

June 11, 2021

Total AUM (Cr)

₹4582.30

HDFC Banking & Financial Services Fund-Dir (IDCW) is an Sectoral / Thematic-oriented fund from the renowned AMC, HDFC Mutual Fund. Launched in June 11, 2021, this fund is managed by Anand Laddha. With assets under management (AUM) worth ₹4,582.3 (Cr), as of July 23, 2026, HDFC Banking & Financial Services Fund-Dir (IDCW) is categorized as a Sectoral / Thematic within its segment. The fund has generated a return of 13.84% since its launch.
The current NAV of HDFC Banking & Financial Services Fund-Dir (IDCW) is ₹16.89, as on July 23, 2026. The fund's benchmark index is Nifty Financial Services TRI. You can invest in HDFC Banking & Financial Services Fund-Dir (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 13.11% and 14.19% 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 99.22% in Equity, 0.68% in Debt and 0.10% in cash and cash equivalents.
The top 5 sectors the fund invests in are: 63.54% in Banks, 20.19% in Finance, 7.82% in Insurance, 6.37% in Capital Markets, 1.15% in Debt

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