HSBC Banking and PSU Debt Fund - Direct Plan - Growth

Regular

Regular and Direct options of the funds are exactly same except commission to your mutual fund broker/distributor. As an investor you do not need to pay any additional fees to purchase any of these options. However both have different expense ratios. Regular funds have higher expense ratio and direct funds have lower expense ratio. This difference is because of commission paid to broker/distributor. Lower expense ratio leads to higher returns for investors.
Direct

Regular and Direct options of the funds are exactly same except commission to your mutual fund broker/distributor. As an investor you do not need to pay any additional fees to purchase any of these options. However both have different expense ratios. Regular funds have higher expense ratio and direct funds have lower expense ratio. This difference is because of commission paid to broker/distributor. Lower expense ratio leads to higher returns for investors.

No of Debt Holding 59 (Category Avg - 58.59) | Modified Duration 2.50 Years (Category Avg - 3.07)| Yield to Maturity 6.74% (Category Avg - 6.76%)

Portfolio Summary (as on 31st Aug,2025)

Security Type	% Weight	Category Average
GOI	11.89%	15.74%
CD	5.74%	5.33%
T-Bills	0.00%	0.04%
CP	0.00%	0.04%
NCD & Bonds	80.14%	73.43%
PTC	0.00%	0.13%

Category - Banking and PSU Fund

Security Type	% Weight	Category Average
Government Backed	11.89%	15.78%
Low Risk	85.88%	78.93%
Moderate Risk	0.00%	0.00%
High Risk	0.00%	0.00%
Very High Risk	0.00%	0.00%
Others	0.00%	0.00%

Category - Banking and PSU Fund

Debt holding in Portfolio (as on 31st Aug,2025)

Instrument	Type	Sector	Rating	Rating Agency	Value (Mn)	% of Total Holding	Quantity
Bond - LIC Housing Finance Ltd.	NCD & Bonds	Housing finance company	AAA	CRISIL	1877.28	4.11%	17.50 k
Bond - Rural Electrification Corporation Limited	NCD & Bonds	Financial institution	AAA	CRISIL	1834.20	4.01%	17.50 k
Bond - Export Import Bank Of India	NCD & Bonds	Financial institution	AAA	CRISIL	1715.53	3.75%	16.20 k
Bond - Govt of India	GOI	Other			1596.17	3.49%	1.55 Cr
Bond - National Bank for Agriculture & Rural Development	NCD & Bonds	Financial institution	AAA	CRISIL	1575.08	3.44%	15.00 k
Bond - National Bank for Agriculture & Rural Development	NCD & Bonds	Financial institution	LAAA	ICRA	1573.86	3.44%	15.00 k
Bond - Govt of India	GOI	Other			1512.46	3.31%	1.45 Cr
Bond - Small Industries Development Bank Of India	NCD & Bonds	Financial institution	AAA	CRISIL	1466.03	3.21%	14.00 k
Bond - Power Finance Corporation Ltd.	NCD & Bonds	Financial institution	AAA	CRISIL	1368.87	2.99%	13.00 k
Bond - National Housing Bank	NCD & Bonds	Financial institution	INDAAA	FITCH	1319.67	2.89%	12.50 k
Bond - Power Finance Corporation Ltd.	NCD & Bonds	Financial institution	AAA	CRISIL	1310.81	2.87%	12.50 k
Bond - Bajaj Finance Ltd.	NCD & Bonds	Non banking financial company (nbfc)	AAA	CRISIL	1288.60	2.82%	12.50 k
Bond - Bajaj Finance Ltd.	NCD & Bonds	Non banking financial company (nbfc)	AAA	CRISIL	1176.77	2.57%	11.00 k
Bond - Govt of India	GOI	Other			1086.42	2.38%	1.08 Cr
Bond - LIC Housing Finance Ltd.	NCD & Bonds	Housing finance company	AAA	CRISIL	1062.66	2.32%	10.00 k
Bond - Axis Bank Ltd.	NCD & Bonds	Private sector bank	AAA	CRISIL	1054.21	2.31%	1.00 k
Bond - National Thermal Power Corporation Ltd.	NCD & Bonds	Power generation	AAA	CRISIL	1032.27	2.26%	10.00 k
Bond - Housing & Urban Development Corporation Ltd.	NCD & Bonds	Financial institution	LAAA	ICRA	1006.25	2.20%	10.00 k
Bond - Export Import Bank Of India	CD	Financial institution	P1+	CRISIL	953.50	2.09%	2.00 k
Bond - HDFC Bank Ltd.	CD	Private sector bank	PR1+	CARE	951.21	2.08%	2.00 k
Bond - Indian Railway Finance Corporation Ltd.	NCD & Bonds	Financial institution	AAA	CRISIL	804.47	1.76%	7.50 k
Bond - Indian Railway Finance Corporation Ltd.	NCD & Bonds	Financial institution	AAA	CRISIL	803.31	1.76%	7.50 k
Bond - Indian Oil Corporation Ltd.	NCD & Bonds	Refineries & marketing	AAA	CRISIL	798.78	1.75%	7.50 k
Bond - Export Import Bank Of India	NCD & Bonds	Financial institution	AAA	CRISIL	789.48	1.73%	7.50 k
Bond - Indian Oil Corporation Ltd.	NCD & Bonds	Refineries & marketing	AAA	CRISIL	773.19	1.69%	7.50 k
Bond - Small Industries Development Bank Of India	CD	Financial institution	P1+	CRISIL	719.24	1.57%	1.50 k
Bond - Power Grid Corporation of India Ltd.	NCD & Bonds	Power - transmission	AAA	CRISIL	697.30	1.52%	650.00
Bond - Small Industries Development Bank Of India	NCD & Bonds	Financial institution	AAA	CRISIL	655.23	1.43%	6.00 k
Bond - National Bank for Agriculture & Rural Development	NCD & Bonds	Financial institution	AAA	CRISIL	624.18	1.37%	6.00 k
Bond - Indian Oil Corporation Ltd.	NCD & Bonds	Refineries & marketing	AAA	CRISIL	616.46	1.35%	600.00
Bond - Small Industries Development Bank Of India	NCD & Bonds	Financial institution	AAA	CRISIL	598.06	1.31%	5.50 k
Bond - Indian Railway Finance Corporation Ltd.	NCD & Bonds	Financial institution	AAA	CRISIL	543.36	1.19%	5.00 k
Bond - Small Industries Development Bank Of India	NCD & Bonds	Financial institution	AAA	CRISIL	536.92	1.17%	5.00 k
Bond - National Housing Bank	NCD & Bonds	Financial institution	AAA	CRISIL	530.00	1.16%	5.00 k
Bond - Export Import Bank Of India	NCD & Bonds	Financial institution	AAA	CRISIL	529.20	1.16%	5.00 k
Bond - Power Finance Corporation Ltd.	NCD & Bonds	Financial institution	AAA	CRISIL	525.25	1.15%	5.00 k
Bond - Indian Railway Finance Corporation Ltd.	NCD & Bonds	Financial institution	AAA	CRISIL	523.00	1.14%	5.00 k
Bond - Rural Electrification Corporation Limited	NCD & Bonds	Financial institution	LAAA	ICRA	520.07	1.14%	5.00 k
Bond - Govt of India	GOI	Other			519.97	1.14%	50.00 L
Bond - Govt of India	GOI	Other			517.40	1.13%	50.00 L
Bond - Bajaj Housing Finance Ltd.	NCD & Bonds	Housing finance company	AAA	CRISIL	514.03	1.12%	5.00 k
Bond - Embassy Office Parks Reit	NCD & Bonds	Real estate investment trusts (reits)	AAA	CRISIL	508.47	1.11%	5.00 k
Bond - Rural Electrification Corporation Limited	NCD & Bonds	Financial institution	LAAA	ICRA	506.79	1.11%	5.00 k
Bond - Rural Electrification Corporation Limited	NCD & Bonds	Financial institution	LAAA	ICRA	505.29	1.11%	5.00 k
Bond - Power Grid Corporation of India Ltd.	NCD & Bonds	Power - transmission	AAA	CRISIL	326.94	0.72%	1.00 k
Bond - Indian Railway Finance Corporation Ltd.	NCD & Bonds	Financial institution	AAA	CRISIL	314.03	0.69%	300.00
Bond - National Bank for Agriculture & Rural Development	NCD & Bonds	Financial institution	LAAA	ICRA	270.09	0.59%	2.50 k
Bond - Power Finance Corporation Ltd.	NCD & Bonds	Financial institution	AAA	CRISIL	263.60	0.58%	250.00
Bond - Power Finance Corporation Ltd.	NCD & Bonds	Financial institution	AAA	CRISIL	263.56	0.58%	2.50 k
Bond - National Bank for Agriculture & Rural Development	NCD & Bonds	Financial institution	AAA	CRISIL	262.06	0.57%	2.50 k
Bond - National Housing Bank	NCD & Bonds	Financial institution	AAA	CRISIL	256.36	0.56%	2.50 k
Bond - Power Finance Corporation Ltd.	NCD & Bonds	Financial institution	AAA	CRISIL	256.29	0.56%	2.50 k
Bond - Embassy Office Parks Reit	NCD & Bonds	Real estate investment trusts (reits)	AAA	CRISIL	254.10	0.56%	2.50 k
Bond - Govt of India	GOI	Other			198.95	0.44%	20.00 L
Bond - Embassy Office Parks Reit	NCD & Bonds	Real estate investment trusts (reits)	AAA	CRISIL	182.47	0.40%	1.80 k
Bond - Export Import Bank Of India	NCD & Bonds	Financial institution	AAA	CRISIL	155.69	0.34%	150.00
Bond - Export Import Bank Of India	NCD & Bonds	Financial institution	AAA	CRISIL	107.02	0.23%	100.00
Bond - Power Grid Corporation of India Ltd.	NCD & Bonds	Power - transmission	AAA	CRISIL	106.28	0.23%	100.00
Bond - Kotak Mahindra Bank Ltd.	NCD & Bonds	Private sector bank	AAA	CRISIL	52.28	0.11%	50.00

Name	Type of Instrument	Weight (%)
TREPS	TREPS	1.90%
Net Receivables	Net Receivables	0.35%
Interest Rate Swaps	Interest Rate Swaps	-0.02%

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krishna_ksvs
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5 days ago

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hunch
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40 days ago

JMFLEXICAPfund regular is howing worst performance. bought at 107.693 in jly 24 and now 97.43 how to shuffle and compensate loss View more | 1

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  JMFLEXICAPfund regular is howing worst performance. bought at 107.693 in jly 24 and now 97.43 how to shuffle and compensate loss
  
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The Fixed Income
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59 mins ago

Stable, Secured, and High-Return Bond Opportunity ✔️ Coupon: 11.45% ✔️ Rating: BRICKWORK (BWR) A-(CE) Stable, Acuite (SMERA) A-(CE) Stable ✔️ Tenor: 4y 4m (Maturity: 13/Feb/2030) ✔️ Senior Secured | PSU Bond | High Return Bond | Listed A secured PSU bond designed for investors seeking reliable returns with strong credit support. ???? Explore on The Fixed Income: https://www.thefixedincome.com/product/dXhXdlpnPT0=/1145-meghalaya-energy-corporation-limited-2030?utm_source=Moneycontrol&utm_medium=Forum&utm_campaign=Product_list View more

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  Stable, Secured, and High-Return Bond Opportunity ✔️ Coupon: 11.45% ✔️ Rating: BRICKWORK (BWR) A-(CE) Stable, Acuite (SMERA) A-(CE) Stable ✔️ Tenor: 4y 4m (Maturity: 13/Feb/2030) ✔️ Senior Secured | PSU Bond | High Return Bond | Listed A secured PSU bond designed for investors seeking reliable returns with strong credit support. ???? Explore on The Fixed Income: https://www.thefixedincome.com/product/dXhXdlpnPT0=/1145-meghalaya-energy-corporation-limited-2030?utm_source=Moneycontrol&utm_medium=Forum&utm_campaign=Product_list
  
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ravisistla
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69 days ago

Dividend last declared by SBI Long Term Equity Fund - regular Plan -IDCW was in the year 2022. Is there any specific reason given by fund managers for non declaration of dividend. Please let me know. View more

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sunny85deol
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106 days ago

Hello sir, I have been invested in these funds since 2017. Last SIP was in 2021. As their NAV have grown so I was thinking of switching to other funds with lower NAV. View more

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  Hello sir, I have been invested in these funds since 2017. Last SIP was in 2021. As their NAV have grown so I was thinking of switching to other funds with lower NAV.
  
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Progrowth Finwealth
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106 days ago

Hi Sunny, what is he period of holding and also any particular reson for withdrawl out of these two funds that have grown over a period of time View more | 1

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