HDFC Banking & Financial Services Fund Regular-Growth
The fund is rated 0.5 stars. Balance between returns and downside risk provided some support. Investment selection within each asset type and investment selection within each industry were the main limitations and did not provide enough support for a higher rating. Higher annual fee of 2.02% and above-average fund size of Rs 4,687.81 crore were minor drawbacks.
This fund has a bad track record with Asset Selection/Timing, a bad track record with Stock Selection/Timing, a ok risk-reward ratio. It is important to note, however, that this fund has a 4687.811 AUM and a 2.02 expense ratio. Considering all these factors, we have rated this fund as 0.5 star.
Our score weighs long-term performance, risk and consistency — not just past returns.
Returns
As of 7 Oct 2026
Risk ratios
As of 30 Sep 2026
Portfolio
As of 31 Aug 2026
Market-cap split
Sector allocation
Holdings (39)
| Holding | % of fund | Value | Shares |
|---|---|---|---|
| ICICI Bank Ltd. | 14.38% | ₹674.22 Cr | 46,37,000 |
| HDFC Bank Ltd. | 12.18% | ₹570.75 Cr | 80,50,000 |
| Kotak Mahindra Bank Ltd. | 8.17% | ₹383.15 Cr | 91,35,605 |
| Axis Bank Ltd. | 7.76% | ₹364 Cr | 28,00,000 |
| State Bank of India | 6.33% | ₹296.8 Cr | 28,00,000 |
| Shriram Finance Ltd | 4.50% | ₹210.88 Cr | 19,00,000 |
| Bajaj Finance Ltd. | 4.11% | ₹192.9 Cr | 18,25,000 |
| SBI Life Insurance Company Ltd. | 3.60% | ₹168.83 Cr | 9,70,000 |
| Five-Star Business Finance Ltd. | 2.61% | ₹122.16 Cr | 22,83,192 |
| AU Small Finance Bank Ltd. | 2.43% | ₹114.05 Cr | 10,50,000 |
Fund details
To generate long-term capital appreciation/income. Investment predominantly in equity & equity related instruments of banking and financial services companies.
The scheme seeks to provide long-term capital appreciation by investing predominantly in equity and equity related instruments of companies engaged in banking and financial services.
Exit load of 1%, if redeemed within 30 days.