HDFC Banking and PSU Debt Fund Regular-Growth
The fund is rated 4 stars. The strongest areas were income potential of 7.56%, exposure to interest-rate changes of 3.07 years, latest three-year return of 6.08%, and balance between returns and downside risk, while annual fee of 0.72% provided some support.
This fund has a high YTM of 7.559%, its Modified Duration is high at 3.071 years, and its 3-Year Rolling Return is 6.079%, indicating high performance. It has sortino ratio of 0.825 which indicates high risk-reward ratio However, its AUM is None at 5186.078 crores, and its Expense Ratio is medium at 0.72%. Taking all these factors into account, the fund has been rated 4.0 stars.
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
Debt metrics
Portfolio
As of 30 Sep 2026
Holdings (103)
| Holding | % of fund | Value | Shares |
|---|---|---|---|
| Indian Railway Finance Corporation Ltd.Coupon 7.46% · Maturity 18/06/2029 · Rating CRISIL - AAA | 5.41% | ₹273.58 Cr | 27,500 |
| Bajaj Housing Finance Ltd.Coupon 8.10% · Maturity 08/07/2027 · Rating CRISIL - AAA | 2.97% | ₹149.98 Cr | 15,000 |
| Indian Railway Finance Corporation Ltd.Coupon 7.57% · Maturity 18/04/2029 · Rating CRISIL - AAA | 2.96% | ₹149.65 Cr | 15,000 |
| REC Ltd.Coupon 7.55% · Maturity 31/03/2028 · Rating CRISIL - AAA | 2.96% | ₹149.66 Cr | 1,500 |
| Housing & Urban Development Corporation Ltd.Coupon 8.41% · Maturity 15/03/2029 · Rating CARE - AAA | 2.52% | ₹127.27 Cr | 1,250 |
| National Bank For Agriculture & Rural DevelopmentCoupon 7.62% · Maturity 31/01/2028 · Rating CRISIL - AAA | 2.47% | ₹124.72 Cr | 12,500 |
| Power Finance Corporation Ltd.Coupon 7.64% · Maturity 22/02/2033 · Rating CRISIL - AAA | 2.44% | ₹123.39 Cr | 12,500 |
| Punjab National BankCoupon 7.34% · Maturity 14/02/2035 · Rating CRISIL - AAA | 2.39% | ₹120.58 Cr | 12,500 |
| Small Industries Devp. Bank of India Ltd.Coupon 7.83% · Maturity 24/11/2028 · Rating CRISIL - AAA | 1.98% | ₹99.97 Cr | 10,000 |
| Bajaj Housing Finance Ltd.Coupon 8.05% · Maturity 08/05/2029 · Rating CRISIL - AAA | 1.97% | ₹99.47 Cr | 10,000 |
Fund details
income over short to medium term. to generate income / capital appreciation through investments in debt and money market instruments consisting predominantly of securities issued by entities such as Scheduled Commercial Banks (SCBs), Public Sector undertakings (PSUs), Public Financial Institutions (PFIs), Municipal Corporations and such other bodies.
The scheme seeks to generate income / capital appreciation through investments in debt and money market instruments consisting predominantly of securities issued by entities such as Scheduled Commercial Banks (SCBs), Public Sector undertakings (PSUs), Public Financial Institutions (PFIs), Municipal Corporations and such other bodies.