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  • HDFC Banking & PSU Debt Fund Inc Dist cum Cap Wdrl Opt (RIDCW-W)

Formerly HDFC Banking & PSU Debt Reg DR

HDFC Mutual Funds

HDFC Banking & PSU Debt Fund Inc Dist cum Cap Wdrl Opt (RIDCW-W)

DebtBanking And Psu

10.141

NAV (Nov 29)

7.2%
3 Year CAGR
Scripbox Opinion

Neutral

Click here for top ranked funds in banking and psu mutual funds.

However, Scripbox does not recommend investing in banking and psu mutual funds.

Banking and PSU Funds are mandated to invest a minimum of 80% of total assets in debt instruments issued by Banks, Public Sector Undertakings and Public Financial Institutions.

They tend to invest in medium to long duration securities and hence are exposed to higher variations when interest rates change.

The category accounts for close to 8% of the total assets in the Debt Segment.

We assess the credit quality of funds in this category as relatively poor.We do not recommend funds in this category since we believe that the potential incremental return is not justified by the higher credit risk and higher interest rate risk.

Scripbox does not recommend investing in the dividend option of a fund because dividends are taxable at a higher rate than withdrawals.

Our analysis of this fundLearn how we rate funds ->

Track Record

7 Years. The Fund has Sufficient history for analysis and the track record is good.

Relative Size

9,519 Cr. Large within the category

Impact of Interest Rate Changes

High Interest Rate Risk. The impact on fund value is high when interest rates change

Credit Quality Of Fund's Portfolio

Moderate Credit Risk. The fund has a moderate credit quality compared to other debt funds

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Short Term Money

Short Term Money

Invest in a scientifically curated set of debt mutual funds which are best aligned towards achieving any short term objectives you may have.

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    Historical growth rate of 6.5% per annum
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    Recommended Duration 1 - 5 years
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    No Lock-in
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    Expert Investing Only, Car, Down Payment

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Historical NAV

10.141

NAV (Nov 29)

Fund Returns

Last 1Y

4.2%

Last 3Y

7.2%

Last 5Y

5.8%

Last 10Y

NA

Since Inception

6.7%

6 Month CAGR

2.5%

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Scheme Information

Investment Objective

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.

Low

Low to Moderate

Moderate

Moderately High

High

Very High

Moderate Risk

Expense Ratio

0.82

Launched (7y ago)

Mar 26, 2014

AUM in Crores

9518.617

ISIN

INF179KA1JE0

Lock-in

No Lock-in

Benchmark

IISL NIFTY Banking and PSU Debt TR INR

SIP Minimum

1000

Lumpsum Min.

5000

Fund Managers
user-avatar

Anil Bamboli

Fund Manager

user-avatar

Sankalp Baid

Fund Manager

calculator

Returns Calculator Comparison

of

for

with step up of

InstrumentReturnsTotal CorpusGainsAnnualised %
Mutual Fund70%₹ 9,65,796 ₹ 2,33,18411.25%
EPF70% ₹ 9,00,761 ₹ 1,68,1498.50%
Property70% ₹ 8,67,662 ₹ 1,35,0507.00%
PPF70% ₹ 8,69,819 ₹ 1,37,2077.10%
Bank FD70% ₹ 8,46,471 ₹ 1,13,8596.00%
Gold70% ₹ 8,46,471 ₹ 1,13,8596.00%
Savings Bank70% ₹ 8,25,950 ₹ 93,3385.00%

Disclaimer: Products compared like fixed deposits may provide fixed guaranteed returns. Mutual Funds investments are subject to market risk, read all scheme related documents carefully before investing. Past performance is not an indicator of future returns.

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Short Term Money

Invest in a scientifically curated set of debt mutual funds which are best aligned towards achieving any short term objectives you may have.

  • Inflation beating returns
    Inflation beating returns
  • Expert Investing Only, Car, Down Payment
    Expert Investing Only, Car, Down Payment
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    One click investing tracking
comparison

Comparison with Debt Funds

Fund NameScripbox OpinionFund SizeTrack Record
Kotak Savings Fund (G)

Kotak Savings Fund (G)

₹ 13,499 cr

5

₹ 33,567 cr

5

₹ 11,691 cr

5

₹ 27,296 cr

5

₹ 31,118 cr

5

amc-icon

About the AMC

HDFC Asset Management Company Limited

HDFC Asset Management Company Limited manages assets worth 489,108 crores and was set up on 3 July 2000. It's current offering of mutual fund schemes includes 38 equity,111 debt and 29 hybrid funds.

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  • tel-amc-about
    1800 3010 6767/ 1800 419 7676 (Toll-free)
  • mail-amc-about
    cliser@hdfcfund.com
  • Fund NameScripbox Opinion
    Till Date CAGR

    14.8%

    4.2%

    17.7%

    15.1%

    19.9%

    16.3%

    6.8%

    7.2%

    7.5%

    8%

    growth

    Short Term Money

    Invest in a scientifically curated set of debt mutual funds which are best aligned towards achieving any short term objectives you may have.

    • graph-icon-gray
      Historical growth rate of 6.5% per annum
    • graph-icon-gray
      Recommended Duration 1 - 5 years
    • graph-icon-gray
      No Lock-in
    • graph-icon-gray
      Expert Investing Only, Car, Down Payment
    • graph-icon-gray
      One-click investing and tracking
    • graph-icon-gray
      Zero fees for all your investments
    Kotak Savings Fund (Growth)

    Kotak Savings Fund (Growth)

    Debt

    Ultra Short

    ICICI Prudential Savings Fund (Growth)

    ICICI Prudential Savings Fund (Growth)

    Debt

    Low Duration

    Tata Liquid Fund (Growth)

    Tata Liquid Fund (Growth)

    Debt

    Liquid

    How does Scripbox rate funds?

    Proprietary 4-step system to rate mutual funds

    We use a proprietary system to rate mutual funds and based on that make a recommendation or rate the fund as top ranked.

    What Scripbox recommendations mean?
    Scripbox algorithm recommends 2-4 funds for investment for an investment asset class such as large cap, diversified, liquid etc. When you invest for an objective, the algorithm suggests the appropriate asset class and funds.
    Track Record

    Track Record

    We look at consistent and long historical performance for our analysis.

    Fund Size

    Fund Size

    We look at the size of the fund with respect to other funds in the category. Larger funds are preferred.

    Sub-asset Class View

    Sub-asset Class View

    We check if the sub-category of the fund is recommended by us.

    Fund Performance

    Fund Performance

    Consistency of performance over various tenures is analysed for a relative performance stack.

    Track Record

    Track Record

    We look at consistent and long historical performance for our analysis.

    Fund Size

    Fund Size

    We look at the size of the fund with respect to other funds in the category. Larger funds are preferred.

    Impact of Interest Rates

    Impact of Interest Rates

    We check the relative interest rate risk of the sub-category of the fund. Lower the better.

    Credit Attractiveness

    Credit Attractiveness

    We check the credit quality of the underlying instruments present in the fund. Higher the better.

    Equity Funds

    Debt Funds

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    About HDFC Banking & PSU Debt Fund Inc Dist cum Cap Wdrl Opt (RIDCW-W)

    About HDFC Banking & PSU Debt Fund Inc Dist cum Cap Wdrl Opt (RIDCW-W)

    HDFC Banking & PSU Debt Fund Inc Dist cum Cap Wdrl Opt (RIDCW-W) is a Banking And Psu Debt fund and has delivered an annualised return of 6.7% over a period of 7 years. The fund was previously known as HDFC Banking & PSU Debt Reg DR . The fund is managed by HDFC Asset Management Company Limited. The fund managers are Anil Bamboli, Sankalp Baid

    HDFC Banking & PSU Debt Fund Inc Dist cum Cap Wdrl Opt (RIDCW-W) Investment Objective

    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. . However, there is no assurance that the objective of the scheme will be realized.

    HDFC Banking & PSU Debt Fund Inc Dist cum Cap Wdrl Opt (RIDCW-W) NAV,AUM,Risk

    The HDFC Banking & PSU Debt Fund Inc Dist cum Cap Wdrl Opt (RIDCW-W) fund was launched on Mar 26, 2014. The NAV (Net Asset Value) of this Banking And Psu Debt fund as of 2021-11-29 is ₹10.14. The total AUM (Asset Under Management) of the fund as of 29/11/2021 is ₹9518.617. The category risk of the HDFC Banking & PSU Debt Fund Inc Dist cum Cap Wdrl Opt (RIDCW-W) fund is Moderate Risk. The fund charges 0.82 % as expense ratio.

    HDFC Banking & PSU Debt Fund Inc Dist cum Cap Wdrl Opt (RIDCW-W) Holdings

    The fund’s highest allocation is towards Debt and has invested 75.9% in this asset class. The top three holdings of the fund are , treps - tri-party repo , reverse repo , national bank for agriculture and rural development , net current assets , state bank of india , food corporation of india , nhpc limited (national hydroelectric power corporation limited) , housing and urban development corporation limited , bank of baroda , national highways authority of india , 6.79% govt stock 2027 , rural electrification corporation limited , power finance corporation limited , indian railway finance corporation limited , 5.63% govt stock 2026 , 6.67% govt stock 2035 , state bank of india , ongc petro additions limited , state bank of india , indian railway finance corporation limited , axis bank limited , mahanagar telephone nigam limited , axis bank limited , 6.97% govt stock 2026 , hindustan petroleum corporation limited , housing and urban development corporation limited , rural electrification corporation limited , national bank for agriculture and rural development , punjab national bank , indian oil corporation limited , indian railway finance corporation limited , bank of baroda , idfc first bank limited , power finance corporation limited , hindustan petroleum corporation limited , 4.04% govt stock 2028 , hdfc bank limited , hindustan petroleum corporation limited , the tata power company limited , housing and urban development corporation limited (hudco) , rural electrification corporation limited , vedanta limited , ongc petro additions limited , housing and urban development corporation limited , 5.79% govt stock 2030 , housing and urban development corporation limited (hudco) , mahanagar telephone nigam limited , union bank of india , export-import bank of india , power finance corporation ltd. , sikka port and terminal limited , power finance corporation limited , power grid corporation of india limited , national bank for agriculture and rural development , power grid corporation of india limited , nhpc limited , power finance corporation limited , 07.02 gj sdl 2026 , national bank for agriculture and rural development , 6.10% govt stock 2031 , tata capital housing finance limited , rec limited , state bank of india , ntpc limited , rural electrification corporation limited , rural electrification corporation limited , syndicate bank , power finance corporation limited , rural electrification corporation limited , l&t housing finance limited , ongc petro additions limited , union bank of india , indian railway finance corporation limited , punjab national bank , bank of baroda , indian railway finance corporation limited , tmf holdings limited , lic housing finance limited , kotak mahindra bank limited , punjab national bank , indian railway finance corporation limited , indian railway finance corporation limited , hdfc bank limited , lic housing finance limited , lic housing finance limited , power finance corporation limited , lic housing finance limited , rec limited , l&t infrastructure finance company limited , rural electrification corporation limited , vedanta limited , power finance corporation limited , national bank for agriculture and rural development , shriram transport finance company limited , rural electrification corporation limited , l&t infrastructure finance company limited , vedanta limited , power finance corporation limited , power grid corporation of india limited , state bank of india , icici bank limited , power finance corporation limited , mahanagar telephone nigam limited , power finance corporation limited , vijaya bank , national bank for agriculture and rural development , 5.85% govt stock 2030 , bank of baroda , sei mihir energy private limited , andhra bank , pratyash renewable private limited , sei enerstar renewable energy private limited , divyesh power private limited , zuvan energy private limited , aashman energy private limited , elena renewable energy private limited , sei baskara power private limited , indian railway finance corporation limited , indian railway finance corporation limited , housing development finance corporation limited , shreyas renewable energy private limited

    HDFC Banking & PSU Debt Fund Inc Dist cum Cap Wdrl Opt (RIDCW-W) Sip

    The minimum SIP (Systematic Investment Plan) amount for this is ₹1000 and you can increase this in multiples of ₹ 100. In case you want to invest a lump sum, the minimum amount to be invested is ₹ 5000.

    HDFC Banking & PSU Debt Fund Inc Dist cum Cap Wdrl Opt (RIDCW-W) Investment volatility and Horizon

    This fund is suited for investors looking to invest for 1-4 years. The asset class is less volatile than equity and the fund is likely to provide stable but slow growth. The fund is benchmarked to IISL NIFTY Banking and PSU Debt TR INR.

    HDFC Banking & PSU Debt Fund Inc Dist cum Cap Wdrl Opt (RIDCW-W) Review

    HDFC Banking & PSU Debt Fund Inc Dist cum Cap Wdrl Opt (RIDCW-W) has a score of 3 on a scale of 5. The fund has a score of 4 out of 5 based on historical performance. As compared to the other funds in its category, HDFC Banking & PSU Debt Fund Inc Dist cum Cap Wdrl Opt (RIDCW-W) has a score of 4out of 5 The credit risk of the fund is 3 out of 5 as compared to other debt funds.

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