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HDFC Banking and PSU Debt Fund

Growth
22.080.03% (+0.01)
Investment Checklist

Returns

Fund's average annual rolling returns over the last three years is compared against the funds from the same category

Fund has been able to generate better returns compared to other funds in the same category

Expense Ratio

Expense Ratio is the fee paid by investors of Mutual Funds. Fund's expense ratio is compared against the expense ratio of other funds in the same category to check if the fund is charging more or less compared to other funds in the same category

Less expense ratio implies better returns over the long term

Return vs FD Rates

If fund's return is lower than the average fixed deposit rates offered by banks, investors are better off investing the amount in a FD

Fund has not been able to generate better price return than bank FD

Red Flags

We check for various red flags on fund's portfolio holdings like - ratings for debt securities, pledging of promoter shares in the company, default probabiity of the company, stocks presense in negative lists published by the exchanges etc. Checkout the Holdings section in the Portfolio tab for full list of securties with red flags

Total holdings with red flags is insignificant

OverviewPeersPortfolioFund ManagerOpinions

Asset Allocation

Actual

Target

Sep 2023

Dec 2023

Mar 2024

Jun 2024

ACTUAL
Cash & EquivalentsCertificate of DepositGovernment SecuritiesCorporate Debt0.26%0.88%1.18%16.20%81.48%

Sep 2023

Dec 2023

Mar 2024

Jun 2024

Tickertape Separator

Sector Distribution

+7 morePrivate BanksHome FinancingG-SecConsumer FinancePublic Banks8.67 %9.39 %11.50 %16.20 %25.48 %28.77 %

Sep 2023

Dec 2023

Mar 2024

Jun 2024

Tickertape Separator

Sector Weightage

Mar 23Jun 23Sep 23Dec 23Mar 24Jun 2425.15%30.68%28.20%29.59%27.33%28.77%
Public Banks as a % of total holdings for last six quarters
Tickertape Separator

Current Holdings

Debt

Others

  • Constituent
    Holding Weight
    3M Change
  • 7.18% GOI MAT 140833
    Sovereign
    3M change : 0.28 %|Sovereign

    Holdings

    4.95 %

    0.28 %
  • 7.46% Indian Railways Finance Corp. Ltd.
    CRISIL - AAA
    3M change : 1.77 %|CRISIL - AAA

    Holdings

    4.56 %

    1.77 %
  • 7.59 %Small Industries Development Bank^
    CRISIL - AAA
    3M change : 0.15 %|CRISIL - AAA

    Holdings

    3.73 %

    0.15 %
  • 7.26% GOI 2033
    Sovereign
    3M change : 0.15 %|Sovereign

    Holdings

    3.62 %

    0.15 %
  • 7.57% Indian Railways Finance Corp. Ltd.^
    CRISIL - AAA
    3M change : 0.12 %|CRISIL - AAA

    Holdings

    3.33 %

    0.12 %
  • 7.8% HDFC Bank Ltd.
    CRISIL - AAA
    3M change : -1.08 %|CRISIL - AAA

    Holdings

    2.57 %

    -1.08 %
  • Bajaj Housing Finance Ltd.^
    CRISIL - AAA
    3M change : 2.50 %|CRISIL - AAA

    Holdings

    2.50 %

    2.50 %
  • 7.55% REC Limited.^
    CRISIL - AAA
    3M change : 0.10 %|CRISIL - AAA

    Holdings

    2.49 %

    0.10 %
  • 7.44% Small Industries Development Bank
    CRISIL - AAA
    3M change : 0.09 %|CRISIL - AAA

    Holdings

    2.31 %

    0.09 %
  • Housing and Urban Development Corporation Ltd.
    CARE - AAA
    3M change : 0.08 %|CARE - AAA

    Holdings

    2.16 %

    0.08 %
  • 7.97% HDFC Bank Ltd.^
    CRISIL - AAA
    3M change : 0.09 %|CRISIL - AAA

    Holdings

    2.11 %

    0.09 %
  • State Bank of India
    CRISIL - AAA
    3M change : 0.09 %|CRISIL - AAA

    Holdings

    2.11 %

    0.09 %
  • 7.62 %National Bank for Agri & Rural Dev.
    CRISIL - AAA
    3M change : 0.08 %|CRISIL - AAA

    Holdings

    2.07 %

    0.08 %
  • 7.55% Power Finance Corporation Ltd.^
    CRISIL - AAA
    3M change : -0.32 %|CRISIL - AAA

    Holdings

    2.07 %

    -0.32 %
  • 7.58% National Bank for Agri & Rural Dev.
    CRISIL - AAA
    3M change : 0.09 %|CRISIL - AAA

    Holdings

    2.07 %

    0.09 %
  • 7.54% Small Industries Development Bank^
    CARE - AAA
    3M change : 0.08 %|CARE - AAA

    Holdings

    2.07 %

    0.08 %
  • Power Grid Corporation of India Ltd.^
    CRISIL - AAA
    3M change : 0.06 %|CRISIL - AAA

    Holdings

    1.68 %

    0.06 %
  • 7.83% Small Industries Development Bank
    CRISIL - AAA
    3M change : 0.07 %|CRISIL - AAA

    Holdings

    1.67 %

    0.07 %
  • Bajaj Housing Finance Ltd.
    CRISIL - AAA
    3M change : 1.67 %|CRISIL - AAA

    Holdings

    1.67 %

    1.67 %
  • 8.1432% LIC Housing Finance Ltd.^
    CRISIL - AAA
    3M change : 0.06 %|CRISIL - AAA

    Holdings

    1.67 %

    0.06 %
  • 7.64% REC Limited.^
    CRISIL - AAA
    3M change : 0.07 %|CRISIL - AAA

    Holdings

    1.66 %

    0.07 %
  • 7.64% Power Finance Corporation Ltd.
    CRISIL - AAA
    3M change : 0.07 %|CRISIL - AAA

    Holdings

    1.66 %

    0.07 %
  • 7.7% LIC Housing Finance Ltd.^
    CRISIL - AAA
    3M change : 0.07 %|CRISIL - AAA

    Holdings

    1.65 %

    0.07 %
  • 7.4% National Bank for Agri & Rural Dev.^
    CRISIL - AAA
    3M change : -0.73 %|CRISIL - AAA

    Holdings

    1.65 %

    -0.73 %
  • 7.26% GOI 2032
    Sovereign
    3M change : 0.06 %|Sovereign

    Holdings

    1.47 %

    0.06 %
  • 8.7% REC Limited.^
    CRISIL - AAA
    3M change : 0.05 %|CRISIL - AAA

    Holdings

    1.30 %

    0.05 %
  • 7.8% HDFC Bank Ltd.
    CRISIL - AAA
    3M change : 0.05 %|CRISIL - AAA

    Holdings

    1.25 %

    0.05 %
  • 7.59% National Housing Bank
    CRISIL - AAA
    3M change : 1.25 %|CRISIL - AAA

    Holdings

    1.25 %

    1.25 %
  • 7.49% National Bank for Agri & Rural Dev.
    CRISIL - AAA
    3M change : 0.05 %|CRISIL - AAA

    Holdings

    1.24 %

    0.05 %
  • HDFC Bank Ltd.£^
    CRISIL - AAA
    3M change : 0.05 %|CRISIL - AAA

    Holdings

    1.20 %

    0.05 %
  • Union Bank of India^
    CRISIL - A1+
    3M change : -0.30 %|CRISIL - A1+

    Holdings

    1.18 %

    -0.30 %
  • 8.54% Fullerton India Credit Company Ltd.^
    ICRA - AAA
    3M change : 0.05 %|ICRA - AAA

    Holdings

    1.17 %

    0.05 %
  • Floating Rate GOI 2034
    Sovereign
    3M change : -0.19 %|Sovereign

    Holdings

    1.08 %

    -0.19 %
  • 7.8% HDFC Bank Ltd.£^
    CRISIL - AAA
    3M change : 0.04 %|CRISIL - AAA

    Holdings

    1.00 %

    0.04 %
  • 7.68% National Bank for Agri & Rural Dev.
    CRISIL - AAA
    3M change : 0.04 %|CRISIL - AAA

    Holdings

    1.00 %

    0.04 %
  • 7.1% GOI MAT 080434
    Sov
    3M change : 0.92 %|Sov

    Holdings

    0.92 %

    0.92 %
  • 8.8% REC Limited.^
    CRISIL - AAA
    3M change : 0.03 %|CRISIL - AAA

    Holdings

    0.87 %

    0.03 %
  • 5.79 GOI 2030
    Sovereign
    3M change : 0.04 %|Sovereign

    Holdings

    0.86 %

    0.04 %
  • National Bank for Agri & Rural Dev.^
    CRISIL - AAA
    3M change : 0.03 %|CRISIL - AAA

    Holdings

    0.85 %

    0.03 %
  • 7.64% Gujarat SDL ISD 170124 MAT 170133^
    Sovereign
    3M change : 0.04 %|Sovereign

    Holdings

    0.85 %

    0.04 %
  • 7.96% Pipeline Infrastructure Pvt. Ltd.^
    CRISIL - AAA
    3M change : 0.04 %|CRISIL - AAA

    Holdings

    0.84 %

    0.04 %
  • 7.17% GOI MAT 170430
    Sov
    3M change : 0.03 %|Sov

    Holdings

    0.84 %

    0.03 %
  • Power Grid Corporation of India Ltd.
    CRISIL - AAA
    3M change : 0.84 %|CRISIL - AAA

    Holdings

    0.84 %

    0.84 %
  • 7.44% Indian Railways Finance Corp. Ltd.
    CRISIL - AAA
    3M change : 0.84 %|CRISIL - AAA

    Holdings

    0.84 %

    0.84 %
  • Small Industries Development Bank
    CRISIL - AAA
    3M change : 0.03 %|CRISIL - AAA

    Holdings

    0.83 %

    0.03 %
  • 7.59% National Housing Bank^
    CRISIL - AAA
    3M change : 0.83 %|CRISIL - AAA

    Holdings

    0.83 %

    0.83 %
  • 8.1% TATA Capital Housing Finance Ltd.^
    CRISIL - AAA
    3M change : 0.03 %|CRISIL - AAA

    Holdings

    0.83 %

    0.03 %
  • 7.45% Export - Import Bank of India^
    CRISIL - AAA
    3M change : 0.03 %|CRISIL - AAA

    Holdings

    0.83 %

    0.03 %
  • 7.51% National Housing Bank
    CARE - AAA
    3M change : 0.83 %|CARE - AAA

    Holdings

    0.83 %

    0.83 %
  • 7.45% Indian Railways Finance Corp. Ltd.
    CRISIL - AAA
    3M change : 0.03 %|CRISIL - AAA

    Holdings

    0.83 %

    0.03 %
  • 7.41% Indian Railways Finance Corp. Ltd.
    CRISIL - AAA
    3M change : 0.03 %|CRISIL - AAA

    Holdings

    0.83 %

    0.03 %
  • 7.05% Mahanagar Telephone Nigam Ltd. (Corporate guarantee from Govt of India)^
    CRISIL - AAA(CE)
    3M change : 0.04 %|CRISIL - AAA(CE)

    Holdings

    0.81 %

    0.04 %
  • Rural Electrification Corporation Ltd.**
    CRISIL - AAA
    3M change : 0.03 %|CRISIL - AAA

    Holdings

    0.78 %

    0.03 %
  • 6.85% Mahanagar Telephone Nigam Ltd. (Corporate guarantee from Govt of India)^
    CRISIL - AAA(CE)
    3M change : 0.03 %|CRISIL - AAA(CE)

    Holdings

    0.72 %

    0.03 %
  • 7.77% REC Limited.
    CRISIL - AAA
    3M change : 0.02 %|CRISIL - AAA

    Holdings

    0.58 %

    0.02 %
  • 7.68% Housing and Urban Development Corporation Ltd.^
    CARE - AAA
    3M change : 0.03 %|CARE - AAA

    Holdings

    0.58 %

    0.03 %
  • 8 ONGC Petro additions Ltd. (OPAL) (Put on ONGC Ltd.)^
    CARE - AAA(CE)
    3M change : 0.02 %|CARE - AAA(CE)

    Holdings

    0.58 %

    0.02 %
  • 7.64% % Gujarat SDL ISD 170124 Mat 170134^
    Sovereign
    3M change : 0.02 %|Sovereign

    Holdings

    0.51 %

    0.02 %
  • 7.75% Bank of Baroda (Tier 2 - Basel III)
    CRISIL - AAA
    3M change : 0.26 %|CRISIL - AAA

    Holdings

    0.50 %

    0.26 %
  • 7.43% Small Industries Development Bank
    CRISIL - AAA
    3M change : 0.02 %|CRISIL - AAA

    Holdings

    0.50 %

    0.02 %
  • Indian Railways Finance Corp. Ltd.
    CRISIL - AAA
    3M change : 0.02 %|CRISIL - AAA

    Holdings

    0.43 %

    0.02 %
  • 8.7% LIC Housing Finance Ltd.^
    CRISIL - AAA
    3M change : 0.02 %|CRISIL - AAA

    Holdings

    0.43 %

    0.02 %
  • 8% Mahanagar Telephone Nigam Ltd. (Corporate guarantee from Govt of India)
    CARE - AAA(CE)
    3M change : 0.02 %|CARE - AAA(CE)

    Holdings

    0.43 %

    0.02 %
  • 7.63% Gujarat SDL ISD 240124 Mat 240133^
    Sovereign
    3M change : 0.02 %|Sovereign

    Holdings

    0.42 %

    0.02 %
  • Power Finance Corporation Ltd.^
    CRISIL - AAA
    3M change : 0.02 %|CRISIL - AAA

    Holdings

    0.42 %

    0.02 %
  • REC Limited.^
    CRISIL - AAA
    3M change : 0.42 %|CRISIL - AAA

    Holdings

    0.42 %

    0.42 %
  • HDFC Bank Ltd. (Tier 2 - Basel III)£^
    CRISIL - AAA
    3M change : 0.42 %|CRISIL - AAA

    Holdings

    0.42 %

    0.42 %
  • 7.75% HDFC Bank Ltd.£^
    CRISIL - AAA
    3M change : 0.02 %|CRISIL - AAA

    Holdings

    0.42 %

    0.02 %
  • 7.96% Pipeline Infrastructure Pvt. Ltd.^
    CRISIL - AAA
    3M change : 0.02 %|CRISIL - AAA

    Holdings

    0.42 %

    0.02 %
  • National Bank for Agri & Rural Dev.
    CRISIL - AAA
    3M change : 0.02 %|CRISIL - AAA

    Holdings

    0.42 %

    0.02 %
  • 7.77% REC Limited.^
    CRISIL - AAA
    3M change : -0.38 %|CRISIL - AAA

    Holdings

    0.42 %

    -0.38 %
  • 7.64% National Bank for Agri & Rural Dev.
    ICRA - AAA
    3M change : 0.42 %|ICRA - AAA

    Holdings

    0.42 %

    0.42 %
  • REC Limited.
    ICRA - AAA
    3M change : 0.42 %|ICRA - AAA

    Holdings

    0.42 %

    0.42 %
  • HDFC Bank Ltd.^
    CRISIL - AAA
    3M change : 0.02 %|CRISIL - AAA

    Holdings

    0.41 %

    0.02 %
  • REC Limited.^
    CRISIL - AAA
    3M change : 0.02 %|CRISIL - AAA

    Holdings

    0.41 %

    0.02 %
  • 7.13% Power Finance Corporation Ltd.^
    CRISIL - AAA
    3M change : 0.02 %|CRISIL - AAA

    Holdings

    0.41 %

    0.02 %
  • State Bank of India
    CRISIL - AAA
    3M change : 0.02 %|CRISIL - AAA

    Holdings

    0.40 %

    0.02 %
  • REC Limited.^
    CRISIL - AAA
    3M change : 0.40 %|CRISIL - AAA

    Holdings

    0.40 %

    0.40 %
  • 7.63% Gujarat SDL ISD 240124 Mat 240134^
    Sovereign
    3M change : 0.01 %|Sovereign

    Holdings

    0.34 %

    0.01 %
  • 7.18% GOI MAT 240737
    Sovereign
    3M change : -0.07 %|Sovereign

    Holdings

    0.25 %

    -0.07 %
  • 7.44% REC Limited.
    ICRA - AAA
    3M change : 0.01 %|ICRA - AAA

    Holdings

    0.25 %

    0.01 %
  • 7.63% Maharashtra SDL Mat 310135
    Sovereign
    3M change : 0.00 %|Sovereign

    Holdings

    0.08 %

    0.00 %
  • Indian Railways Finance Corp. Ltd.^
    CRISIL - AAA
    3M change : 0.00 %|CRISIL - AAA

    Holdings

    0.08 %

    0.00 %
  • Mahanagar Telephone Nigam Ltd. (Corporate guarantee from Govt of India)**
    CARE - AAA(SO)
    3M change : 0.00 %|CARE - AAA(SO)

    Holdings

    0.06 %

    0.00 %
  • Mahanagar Telephone Nigam Ltd. (Corporate guarantee from Govt of India)**
    CRISIL - AAA(SO)
    3M change : -0.76 %|CRISIL - AAA(SO)

    Holdings

    0.00 %

    -0.76 %
  • Hindustan Petroleum Corp. Ltd.^
    CRISIL - AAA
    3M change : -1.19 %|CRISIL - AAA

    Holdings

    0.00 %

    -1.19 %
  • Power Grid Corporation of India Ltd.^
    CRISIL - AAA
    3M change : -0.80 %|CRISIL - AAA

    Holdings

    0.00 %

    -0.80 %
  • 5.85 GOI 2030
    Sovereign
    3M change : -0.07 %|Sovereign

    Holdings

    0.00 %

    -0.07 %
  • 7.1% GOI 2029
    Sovereign
    3M change : -3.12 %|Sovereign

    Holdings

    0.00 %

    -3.12 %
  • 7.25% Small Industries Development Bank
    CARE - AAA
    3M change : -0.40 %|CARE - AAA

    Holdings

    0.00 %

    -0.40 %
  • TATA Capital Housing Finance Ltd.^
    CRISIL - AAA
    3M change : -0.80 %|CRISIL - AAA

    Holdings

    0.00 %

    -0.80 %
  • 7.5 %National Bank for Agri & Rural Dev.^
    CRISIL - AAA
    3M change : -0.79 %|CRISIL - AAA

    Holdings

    0.00 %

    -0.79 %
  • 7.49% HDB Financial Services Ltd.^
    CRISIL - AAA
    3M change : -0.79 %|CRISIL - AAA

    Holdings

    0.00 %

    -0.79 %
  • 5.23% National Bank for Agri & Rural Dev.^
    CRISIL - AAA
    3M change : -0.08 %|CRISIL - AAA

    Holdings

    0.00 %

    -0.08 %
  • 7.9237% Bajaj Housing Finance Ltd.^
    CRISIL - AAA
    3M change : -0.40 %|CRISIL - AAA

    Holdings

    0.00 %

    -0.40 %
  • 7.32% GOI MAT 131130
    Sov
    3M change : -0.16 %|Sov

    Holdings

    0.00 %

    -0.16 %
  • Axis Bank Ltd.^
    CRISIL - A1+
    3M change : -1.14 %|CRISIL - A1+

    Holdings

    0.00 %

    -1.14 %
  • Punjab National Bank^
    IND - A1+
    3M change : -0.74 %|IND - A1+

    Holdings

    0.00 %

    -0.74 %