HSBC Banking & PSU Debt fund Direct Growth

HSBC Banking & PSU Debt fund Direct Growth

Debt

HSBC Mutual Fund

Banking & Psu

Get the latest NAV of HSBC Banking & PSU Debt fund Direct Growth. View historical returns compared to its benchmark and category average. Know which stocks and sectors the fund is investing in. Get an estimate of returns from the SIP and lump sum returns calculator. View detailed holding analysis and peer comparison. Get INDmoney ranking of the fund.

₹25.37

▲0.3%1D

NAV as on 13 May 2025

7.6%/per year

Since Inception

Absolute Gain%

▲▼

49 people have invested ₹ 6.9L in HSBC Banking & PSU Debt fund Direct Growth in the last three months

Fund Performance

as on (13-May-25)

Period
This Fund
Banking and PSU Index
1 Month
0.94%
0.83%
3 Months
3.19%
2.94%
6 Months
4.88%
4.52%
1 Year
9.03%
8.76%
3 Years
7.41%
7.25%
5 Years
6.13%
6.3%

Peer comparison

Fund Name
INDmoney Rank
AUM (in Crs.)
Expense Ratio
1Y Returns
3Y Returns
Inception Returns
HSBC Banking & PSU Debt fund
12/12
4,272Cr
0.23%
9.03%
7.41%
7.6%
Aditya Birla Sun Life Banking & PSU Debt Fund Direct Growth
3/12
8,826Cr
0.39%
9.72%
7.78%
8.54%
ICICI Prudential Banking and PSU Debt Fund Direct Growth
4/12
10,415Cr
0.39%
9.33%
8.02%
8.27%
Axis Banking & PSU Debt Fund Direct Growth
5/12
13,313Cr
0.35%
9.27%
7.34%
7.92%
See all

HSBC Banking & PSU Debt fund Returns Calculator

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Total Investment

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Total Corpus

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Absolute Return
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HSBC Banking & PSU Debt fund Asset Allocation

See fund asset allocation details as on (15-Apr-25)

Fund Distribution

as on (15-Apr-25)

Debt & Cash 99.7%

AAA
100%
Cash allocation has gone down from 11.6% to 5.4%
Cash allocation has gone down from 11.6% to 5.4%
Debt allocation has gone up from 88.1% to 94.3%
Debt allocation has gone up from 88.1% to 94.3%

HSBC Banking & PSU Debt fund Sector Allocation

See fund sector allocation details as on (15-Apr-25)

Sector Allocation

Debt & Cash 99.7%

Corporate
53.1%
Government
46%
Cash Equivalent
0.8%

Top 2 Sectors in March were Corporate, Government

Mar'25

Corporate

54%

Government

44%

Feb'25

Corporate

56%

Government

39%

HSBC Banking & PSU Debt fund Direct Growth Overview

Get key fund statistics, minimum investment details, AUM, expense ratio, exit load, and tax treatment.

Expense ratio0.23%
Benchmark
NIFTY Banking and PSU Debt A-II TR INR
AUM₹4272 Cr
Inception Date1 January, 2013
Min Lumpsum/SIP₹5000/₹1000
Exit Load0%
Lock InNo Lock-in
TurnOver
38.97%
STCGSelling mutual fund within 36 months, gains taxed at slab rates.
LTCGHolding over 3 years, gains taxed at slab rates without indexation.
Risk
Risk meter
pointer
Moderate Risk

About HSBC Banking & PSU Debt fund

HSBC Banking & PSU Debt fund Direct Growth is a debt fund. This fund was started on 1 January, 2013. The fund is managed by . This fund is suitable to keep your money safe.

Key Parameters

  1. HSBC Banking & PSU Debt fund Direct Growth has ₹4272 Cr worth of assets under management (AUM) as on Dec 1969 and is more than category average.
  2. The fund has an expense ratio 0.2.

Returns

HSBC Banking & PSU Debt fund Direct Growth has given a CAGR return of 7.60% since inception. Over the last 1, 3 and 5 years the fund has given a CAGR return of 9.03%, 7.41% and 6.13% respectively.

Holdings

HSBC Banking & PSU Debt fund Direct Growth has allocated its funds majorly in Corporate, Government, Cash Equivalent. Its top holdings are 6.75% Govt Stock 2029, Ntpc Limited, 6.79% Govt Stock 2034, 7.04% Govt Stock 2029, Export-Import Bank Of India

Taxation

As it is a banking & psu mutual fund the taxation is as follows:
If the fund is debt oriented i.e. asset allocation of more than 65% in debt instruments:
Invested before 1 April 2023 and held for less than 24 months, STCG will be taxed at your income slab rate.
Invested before 1 April 2023 and held for more than 24 months, LTCG will be taxed at 12.5%.
Invested after 1 April 2023, capital gains will be taxed at your income slab rate.
Dividends will always be taxed at slab rate.

Investment objective of HSBC Banking & PSU Debt fund Direct Growth

To generate reasonable returns by primarily investing in debt and money market securities that are issued by Banks, Public Sector Undertakings (PSUs) and Public Financial Institutions (PFIs) in India.There is no assurance that the investment objective of the scheme will be realized.

Minimum Investment and lockin period

Minimum investment for lump sum payment is INR 5000.00 and for SIP is INR 1000.00. HSBC Banking & PSU Debt fund Direct Growth has no lock in period.

Learn more about HSBC Mutual Fund
Parameters
Mar'25
Feb'25
Jan'25
AUM
₹ 4.3K Cr
₹ 4.2K Cr
₹ 4.2K Cr
  • AUM of the fund stands at 4.3K Cr as of Mar'25
  • AUM increased by 4.5 Cr between Mar'25 and Feb'25

Frequently Asked Questions for HSBC Banking & PSU Debt fund Direct Growth

What is the current NAV of HSBC Banking & PSU Debt fund Direct Growth?

The current NAV of HSBC Banking & PSU Debt fund Direct Growth is ₹25.37 as on 13-May-2025.

What are the average returns of HSBC Banking & PSU Debt fund Direct Growth?

Existing (Absolute + CAGR) as on 13-May-2025.
HSBC Banking & PSU Debt fund Direct Growth
Absolute Returns
CAGR Returns
1 Month Returns
0.94%
0.94%
6 Month Returns
4.88%
4.88%
1 Year Returns
9.03%
9.03%
3 Years Returns
23.91%
7.41%

How do I invest in HSBC Banking & PSU Debt fund Direct Growth?

With INDmoney, the process of investing is very simple and involves zero commission.
  • Click Buy on the fund name.
  • Input the amount you are looking to invest.
  • Select Lump Sum or SIP (Weekly, Monthly or Quarterly).
  • Select your bank account and proceed with Payment.

What is the expense ratio of HSBC Banking & PSU Debt fund Direct Growth?

0.23% as on April 2025

What is net assets under management (AUM) of HSBC Banking & PSU Debt fund Direct Growth?

₹4272 Cr as on April 2025

What are the top 5 holdings of HSBC Banking & PSU Debt fund Direct Growth?

6.75% Govt Stock 2029(5.29%), Ntpc Limited(4.72%), 6.79% Govt Stock 2034(4.24%), 7.04% Govt Stock 2029(4.11%), Export-Import Bank Of India(3.63%) as on April 2025

What are the top 3 sectors that this HSBC Banking & PSU Debt fund Direct Growth has invested in?

Corporate(58.93%), Government(40.16%), Cash Equivalent(0.91%) as on April 2025

What is the yield to maturity ratio of HSBC Banking & PSU Debt fund Direct Growth?

Yield to Maturity is 7.1 as on April 2025. Yield to Maturity is the total return earned on your bond investments if you hold the bond investments till maturity & all bonds' proceeds are reinvested in it.

What is the modified duration of HSBC Banking & PSU Debt fund Direct Growth?

Modified Duration is 2.97 as on April 2025. Modified Duration tells the sensitivity of the price of a bond to a change in interest rate.

What is the credit rating breakup of HSBC Banking & PSU Debt fund Direct Growth?

AAA
100

What is the exit load of HSBC Banking & PSU Debt fund Direct Growth?

The Exit load of HSBC Banking & PSU Debt fund Direct Growth is 0%