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What is HDFC banking and PSU Debt Fund?

HDFC Banking and PSU Debt Fund is a theme-based open-ended debt fund with Banking and PSU Fund as its scheme type. Predominantly investing in debt instruments of banks, Public Sector Undertakings, Public Financial Institutions, and Municipal Bonds, the overall risk of HDFC banking and PSU Debt Fund is moderately low.


Some of the main features and benefits of HDFC banking and PSU Debt Fund are as follows:

  • This an open-ended scheme investing in debt instruments of banks, Public Sector Undertakings, Public Financial Institutions, and Municipal Bonds.
  • Categories: Theme Based Debt
  • Scheme Type: Banking and PSU Fund
  • Moderately low risk

Fund Details

Fund HouseHDFC Mutual Fund
Launch DateMar 26, 2014
BenchmarkCRISIL Short-Term Bond
RiskometerModerate
Risk GradeHigh
Return GradeAverage
TypeOpen-ended
Return since Launch8.63%
Minimum Investment (R)5,000
Minimum Addl Investment (R)1,000
Minimum Withdrawal (R)500
Minimum SWP Withdrawal (R)500
Minimum Balance (R)1
Exit Load (%)0

 YTD1-Month3-Month1-Year3-Year5-Year10-Year
Fund7.440.942.9410.817.638.61-
CCIL T Bill Liquidity Weight3.150.321.124.624.234.64-
Category7.450.883.2110.697.668.28-
Rank within Category149131293-
Number of funds in category171818171513-

It is important to note that different plans have a different expense structure. Past performance may or may not continue in the future. This needs to be tracked on a regular basis with the mutual fund team. As of 31/07/2019

SIP Performance

Period Invested for₹1000 SIP Started onInvestmentsLatest ValueAbsolute ReturnsAnnualized Returns
1 Year04-Sep-181200012757.26.31 %11.85 %
2 Year04-Sep-172400026325.869.69 %9.15 %
3 Year02-Sep-163600040700.6713.06 %8.13 %
5 Year04-Sep-146000073950.0623.25 %8.29 %

Type of Holdings

Security Type % Weight Category Average 
GOI0.00%3.95%
CD5.26%6.99%
CP0.00%1.05%
NCD & Bonds90.66%81.52%
PTC0.00%0.12%

Investment / Portfolio Grades

Security Type % Weight Category Average 
Government Backed0.00%0.00%
Low Risk84.59%88.11%
Moderate Risk11.33%0.63%
High Risk0.00%0.00%
Very High Risk0.00%0.00%
Others0.00%0.00%

The NAV (Net Asset Value) of HDFC banking and PSU Debt Fund is the total market value of all shares held in the Mutual Fund Portfolio. It shows the book value of the investment. For a detailed analysis of HDFC banking and PSU Debt Fund NAV, please refer to their official website. Following is a table on the returns:

Period Invested for₹10000 Invested onLatest ValueAbsolute ReturnsAnnualized ReturnsCategory AvgRank within Category
1 Week28-Aug-1910027.800.28%-0.15%3/18
1 Month02-Aug-1910093.700.94%-0.81%9/18
3 Month04-Jun-1910294.402.94%-3.10%13/18
6 Month01-Mar-1910623.606.24%-6.20%12/17
YTD01-Jan-1910743.307.43%-4.65%14/17
1 Year04-Sep-1811081.4010.81%10.81%10.49%12/17
2 Year04-Sep-1711487.9014.88%7.18%7.41%12/17
3 Year02-Sep-1612473.7024.74%7.63%7.64%10/17
5 Year04-Sep-1415119.6051.20%8.61%8.22%3/16
Since Inception26-Mar-1415727.7057.28%8.67%7.98%4/18

Investing in HDFC banking and PSU Debt Fund is straightforward. There are several ways of doing this:

Online: 

  • You can simply click on the “Invest Now” option on their official website, where after you will be prompted for your basic information, like name, mobile number, and PAN number. You will need to fill up the one-time registration form to complete the process.

Request for a callback:

  • You can request for a call back by entering your contact details (name and phone number) on their contact form whereupon an expert will get in touch with you to further discuss your investment options.

Email:

  • You can email their customer service on the email address listed on their website for more information.

Tollfree number:

  • You can call their toll-free number listed on their official website and talk to an expert.

Chat:

  • You can also chat with an online assistant using the chat option on their website and have your questions addressed.

1. What is the Rate of Return?

The Rate of Return which is also known as the Return of Investment is the basic fundamental ratio of calculating returns for any gains or yearly income.

2. How can I calculate the Rate of Return?

You may use the Return Calculator on the HDFC securities official website to calculate your proxy returns using various combinations across different mutual funds and time frame.

3. What is HDFC banking and PSU Debt Fund suitable for?

This type of investment is suitable for generating regular income.

4. What is the minimum amount of investment?

The minimum amount you must invest is Rs. 5,000. The additional amount should be a minimum of Rs. 1,000.

5. Can I withdraw money from my fund?

Yes, you can withdraw a minimum amount of Rs. 500.

6. What are the documents required for investing in HDFC banking and PSU Debt Fund?

Some of the documents required for investing in HDFC banking and PSU Debt Fund are listed as follows:

  • Passport Size Photograph
  • ID proof such as a copy of PAN card, Aadhaar, Passport or voter ID or driving license
  • Proof of address passport or driving license or ration card or registered lease/sale of residence or latest bank A/C statement or passbook or latest telephone bill (only landline) or latest electricity bill or latest gas bill, not more than three months old
  • Duly filled KYC Application
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