HDFC Banking & PSU Debt Fund Regular Plan Payout Inc Dist cum Cap Wdrl Opt

HDFC Banking & PSU Debt Fund Regular Plan Payout Inc Dist cum Cap Wdrl Opt

Debt

HDFC Mutual Fund

Banking & Psu

Get the latest NAV of HDFC Banking & PSU Debt Fund Regular Plan Payout Inc Dist cum Cap Wdrl Opt. 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.

₹10.26

NAV as on 04 Jul 2025

6.58%/per year

Since Inception

Absolute Gain%

▲▼

Fund Performance

as on (04-Jul-25)

Period
This Fund
Banking and PSU Index
1 Month
0.13%
0.12%
3 Months
2.26%
2.21%
6 Months
5.11%
4.93%
1 Year
9.19%
8.9%
3 Years
7.39%
7.41%
5 Years
6.14%
5.96%

HDFC Banking & PSU Debt Fund Regular Plan Payout Inc Dist cum Cap Wdrl Opt Returns Calculator

Calculate SIP and lumpsum returns based on historical performance

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HDFC Banking & PSU Debt Fund Regular Plan Payout Inc Dist cum Cap Wdrl Opt Asset Allocation

See fund asset allocation details as on (14-Jun-25)

Fund Distribution

as on (14-Jun-25)

Debt & Cash 99.7%

AAA
100%
Cash allocation has gone up from 3.1% to 3.2%
Cash allocation has gone up from 3.1% to 3.2%
Debt allocation has gone down from 96.6% to 96.5%
Debt allocation has gone down from 96.6% to 96.5%

HDFC Banking & PSU Debt Fund Regular Plan Payout Inc Dist cum Cap Wdrl Opt Sector Allocation

See fund sector allocation details as on (14-Jun-25)

Sector Allocation

Debt & Cash 99.7%

Corporate
52.1%
Government
44.7%
Cash Equivalent
3.2%

Top 2 Sectors in May were Corporate, Government

May'25

Corporate

53%

Government

44%

Apr'25

Corporate

53%

Government

44%

HDFC Banking & PSU Debt Fund Regular Plan Payout Inc Dist cum Cap Wdrl Opt Overview

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

Expense ratio0.78%
Benchmark
NIFTY Banking & PSU Debt TR INR
AUM₹6114 Cr
Inception Date26 March, 2014
Min Lumpsum/SIP₹100/₹100
Exit Load0%
Lock InNo Lock-in
TurnOver
37.72%
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 HDFC Banking & PSU Debt Fund Regular Plan Payout Inc Dist cum Cap Wdrl Opt

HDFC Banking & PSU Debt Fund Regular Plan Payout Inc Dist cum Cap Wdrl Opt is a debt fund. This fund was started on 26 March, 2014. The fund is managed by Anil Bamboli. This fund is suitable to keep your money safe.

Key Parameters

  1. HDFC Banking & PSU Debt Fund Regular Plan Payout Inc Dist cum Cap Wdrl Opt has ₹6114 Cr worth of assets under management (AUM) as on Jun 2025 and is more than category average.
  2. The fund has an expense ratio 0.8.

Returns

HDFC Banking & PSU Debt Fund Regular Plan Payout Inc Dist cum Cap Wdrl Opt has given a CAGR return of 6.58% since inception. Over the last 1, 3 and 5 years the fund has given a CAGR return of 9.19%, 7.39% and 6.14% respectively.

Holdings

HDFC Banking & PSU Debt Fund Regular Plan Payout Inc Dist cum Cap Wdrl Opt has allocated its funds majorly in Corporate, Government, Cash Equivalent. Its top holdings are Indian Railway Finance Corporation Limited, Small Industries Development Bank Of India, Indian Railway Finance Corporation Limited, 7.18% Govt Stock 2033, 7.26% Govt Stock 2033

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 HDFC Banking & PSU Debt Fund Regular Plan Payout Inc Dist cum Cap Wdrl Opt

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. 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 100.00 and for SIP is INR 100.00. HDFC Banking & PSU Debt Fund Regular Plan Payout Inc Dist cum Cap Wdrl Opt has no lock in period.

Fund Manager

Anil Bamboli

Fund Manager of HDFC Banking & PSU Debt Fund Regular Plan Payout Inc Dist cum Cap Wdrl Opt, since 26 March 2014

Learn more about HDFC Mutual Fund
Parameters
May'25
Apr'25
Mar'25
AUM
₹ 6.1K Cr
₹ 6K Cr
₹ 6K Cr
  • AUM of the fund stands at 6.1K Cr as of May'25
  • AUM increased by 70.7 Cr between May'25 and Apr'25

Frequently Asked Questions for HDFC Banking & PSU Debt Fund Regular Plan Payout Inc Dist cum Cap Wdrl Opt

How do I invest in HDFC Banking & PSU Debt Fund Regular Plan Payout Inc Dist cum Cap Wdrl Opt?

INDmoney makes it simple to invest in the HDFC Banking & PSU Debt Fund Regular Plan Payout Inc Dist cum Cap Wdrl Opt. To do so, follow the steps below:
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  • Select whether you want to invest in SIP or lump sum.
  • Enter the amount you wish to invest.
  • Set up payments via bank mandate or UPI.

What is the current NAV of HDFC Banking & PSU Debt Fund Regular Plan Payout Inc Dist cum Cap Wdrl Opt?

The NAV of the fund today is ₹10.26. NAV or Net Asset Value is the per unit price of a mutual fund. For example, if the NAV of a fund is ₹10, it means you can get 1000 units of that mutual fund at ₹10,000.

What is the return on the fund?

HDFC Banking & PSU Debt Fund Regular Plan Payout Inc Dist cum Cap Wdrl Opt fund has generated a return of 9.19% in 1 year, 7.39% in 3 years, 6.14% in 5 years.

Who is the fund manager of HDFC Banking & PSU Debt Fund Regular Plan Payout Inc Dist cum Cap Wdrl Opt?

The fund managers are Anil Bamboli.

What is the exit load of the fund?

The exit load is . Exit load is a fee levied for ‘exiting’ the fund earlier than a stipulated period, usually 1 year.

What is the expense ratio of the fund?

The expense ratio is 0.78%. The Expense Ratio is a fee charged for managing the fund. This includes commissions, administrative costs etc.

What is the AUM of the fund?

The AUM of the fund is ₹6114 Cr. AUM stands for Assets Under Management. It refers to the total assets managed by the fund.

What are the top holdings of HDFC Banking & PSU Debt Fund Regular Plan Payout Inc Dist cum Cap Wdrl Opt?

The top 3 holdings of the fund are Indian Railway Finance Corporation Limited(4.62%), Small Industries Development Bank Of India(3.71%), Indian Railway Finance Corporation Limited(3.36%)