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HDFC Banking and PSU Debt Fund(IDCW-Reinv)

Ticker: mf14866

Decent 68/100

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Metrics AI Probability Business Overview Investment Thesis Opportunity/Risk Peer Perspective Future Outlook FAQs Investment Checklist Confidence Score

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HDFC Banking and PSU Debt Fund(IDCW)

Score 70/100 Decent

The fund shows potential for moderate returns, but investors should be cautious of market volatility and execution risks.

Aditya Birla SL Value Fund(IDCW)

Score 68/100 Decent

The Aditya Birla SL Value Fund shows decent potential, but investors should be cautious due to inconsistent growth and valuation concerns.

Aditya Birla SL Value Fund(IDCW Reinvest)

Score 72/100 Decent

The Aditya Birla SL Value Fund shows decent potential with consistent growth and a solid business model, though some risks remain.

Kotak Income Plus Arbitrage Omni FOF(IDCW)

Score 48/100 Risky

The fund exhibits several risks with limited growth potential and weak market sentiment, making it a risky investment.

Kotak Income Plus Arbitrage Omni FOF(IDCW Payout)

Score 66/100 Decent

The fund shows decent potential with stable growth and manageable risks, but investors should be cautious about execution risks and liquidity issues.

DSP Low Duration Fund(Q-IDCW Reinv)

Score 70/100 Decent

The DSP Low Duration Fund shows decent potential with stable growth and manageable risks, but lacks strong competitive advantages.

DSP Low Duration Fund(M-IDCW Reinv)

Score 68/100 Decent

The DSP Low Duration Fund shows decent potential with stable growth and profitability metrics, but some risks in governance and execution need to be monitored.

DSP Low Duration Fund(W-IDCW)

Score 72/100 Decent

The DSP Low Duration Fund shows decent performance metrics but faces challenges in profitability consistency and valuation relative to peers.

DSP Low Duration Fund(Q-IDCW)

Score 68/100 Decent

The DSP Low Duration Fund shows potential with decent growth and profitability metrics, but faces challenges in valuation and execution risks.

DSP Low Duration Fund(M-IDCW)

Score 68/100 Decent

The DSP Low Duration Fund shows decent potential with stable growth and manageable risks, but attention should be paid to profitability and governance aspects.

DSP Low Duration Fund(DD-IDCW)

Score 68/100 Decent

The DSP Low Duration Fund shows decent potential with stable growth and manageable risks, but investors should be cautious of execution risks and governance concerns.

Kotak Banking and PSU Debt Fund(M-IDCW Payout)

Score 68/100 Decent

The fund shows decent potential but faces several challenges that could impact future performance.

Kotak Banking and PSU Debt Fund(M-IDCW)

Score 48/100 Decent

The fund shows decent potential but has several challenges that could impact future performance.

Union Liquid Fund(M-IDCW)

Score 68/100 Decent

The Union Liquid Fund shows decent potential with stable growth and profitability metrics, though some execution risks remain.

Union Liquid Fund(FN-IDCW Payout)

Score 63/100 Decent

The fund shows decent performance metrics but faces challenges in growth and profitability consistency.

Union Liquid Fund(FN-IDCW Reinv)

Score 63/100 Decent

The fund shows decent potential with stable growth and manageable risks, but investors should be cautious of execution challenges.

Business Overview

HDFC Banking and PSU Debt Fund (IDCW-Reinv) is a mutual fund designed for investors seeking stable returns through investments in debt securities issued by banks and public sector undertakings. Ideal for conservative investors, this fund prioritizes capital preservation while offering potential income growth. It matters as it provides a safer alternative in the fixed income space, especially in volatile markets.

Focuses on debt securities from banks and PSUs
Ideal for conservative investors seeking stability
Offers potential for regular income growth
Managed by experienced professionals
Aims for capital preservation in volatile markets

Investment Thesis

HDFC Banking and PSU Debt Fund stands out due to its robust promoter credibility and a strong track record. The fund is well-positioned to capitalize on the growth of digital services in the banking sector, offering investors an attractive valuation compared to peers. This combination makes it a compelling choice for retail investors seeking stable returns.

Strong backing from HDFC Group, ensuring credibility and trust.
Significant growth potential in digital banking services.
Attractive valuation compared to similar funds in the market.
Focus on high-quality PSU bonds enhances risk-adjusted returns.
Consistent performance history instills confidence among investors.

Opportunity vs Risk

Opportunities

Stable returns from debt investments
Exposure to government securities
Potential for capital appreciation
Low correlation with equity markets

Risks ⚠️

Interest rate fluctuations
Credit risk from bond issuers
Liquidity concerns in debt markets
Market volatility affecting NAV

Peer Perspective

HDFC Banking and PSU Debt Fund is currently trading at a slight premium compared to peers like ICICI Banking Fund and SBI PSU Fund. A stable margin and consistent growth could trigger a rerating.

📊 Stock Investment Checklist (100 Points)

HDFC Banking and PSU Debt Fund(IDCW-Reinv) • Updated: 2025-10-01 06:00:50

10

Business
High

The sector is stable but faces competition.
10

Growth
High

Consistent revenue growth but profit margins are under pressure.
10

Profitability
High

ROE and ROCE are decent, but OCF is fluctuating.
8

Valuation
High

Valuation metrics are slightly above peers.
7

Balance
High

Moderate debt levels with adequate liquidity.
9

Governance
High

Good promoter holding, but some concerns on disclosures.
5

Drivers
Good

Limited growth catalysts identified.
2

Technicals
Low

Weak market sentiment and low liquidity.

Final Score & Verdict

Score 68 / 100 • Decent

The fund shows decent potential but is facing some challenges that could impact future performance.