HDFC Pharma and Healthcare Fund vs SBI Quality Fund
Direct Plan, Growth option · Data as on 30-10-2026
HDFC Pharma and Healthcare Fund is a Thematic fund and SBI Quality Fund is a Thematic fund. HDFC Pharma and Healthcare Fund charges 1.05% a year and SBI Quality Fund 1.34% (Direct plans). Their portfolios overlap 7.9%: they hold 5 of the same securities.
HDFC Pharma and Healthcare Fund
Thematic
- Expense ratio
- 1.05%
- NAV
- ₹21.95
Which is better, HDFC Pharma and Healthcare or SBI Quality? Key differences
It depends on what you want from the fund. These are the differences in numbers, from the data on this page.
- HDFC Pharma and Healthcare costs less: 1.05% a year against 1.34% (Direct plans).
- HDFC Pharma and Healthcare fell less in its worst fall since 23-02-2026: −9.8% against −10.4%.
- SBI Quality holds 3.1% of the fund in foreign stocks; HDFC Pharma and Healthcare 0.0%.
- SBI Quality holds more in large companies: 52.2% of the fund in large caps against 29.2%.
- HDFC Pharma and Healthcare is the larger fund: ₹3,501 Cr against ₹2,578 Cr.
- Their portfolios overlap 7.9%: 5 of the same holdings.
Past returns do not promise future returns. This page is information, not investment advice.
Key facts
From each fund's scheme summary document and AMFI
| Fact | HDFC Pharma and Healthcare Fund | SBI Quality Fund |
|---|---|---|
| Fund house | HDFC Mutual Fund | SBI Mutual Fund |
| Category | Thematic | Thematic |
| AUM | ₹3,501 Cr (30-09-2026) | ₹2,578 Cr (30-09-2026) |
| NAV | ₹21.95 (Direct) | ₹10.29 (Direct) |
| Expense ratio (Direct) | 1.05% | 1.34% |
| Expense ratio (Regular) | 2.13% | 2.42% |
| Riskometer | Very High | Very High |
| Benchmark | BSE Healthcare TRI | Nifty 200 Quality 30 TRI |
| Launch date | 04-10-2023 | 17-02-2026 |
| Minimum investment | ₹100 | ₹5,000 |
| Lock in | None | None |
| Fund managers | Nikhil Mathur, Gopal Agrawal, Bhagyesh Kagalkar | Anup Upadhyay |
| Exit load | In respect of each purchase/switch-in of units, an Exit load of 1% is payable if units are redeemed /switched-out within 30 days from the date of allotment. No Exit Load is payable if units are redeemed / switched out after 30 days from the date of allotment. | Exit load of 1%, if redeemed within 6 months. |
HDFC Pharma and Healthcare vs SBI Quality: Returns Comparison
Returns as on 30-10-2026. Up to one year they are absolute returns. Longer periods are a rate per year.
| Fund | 1M | 3M | 6M | 1Y | 3Y | 5Y | 10Y |
|---|---|---|---|---|---|---|---|
| HDFC Pharma and Healthcare Fund (Direct) | +0.04% | +0.83% | +16.68% | +23.12% | +30.53% | -- | -- |
| SBI Quality Fund (Direct) | −2.44% | −3.22% | +3.73% | -- | -- | -- | -- |
| Thematic average | −2.09% | −4.52% | +0.86% | -- | -- | -- | -- |
Category average: the average of the 235 Thematic funds, same plan type.
HDFC Pharma and Healthcare vs SBI Quality: Year-wise Returns
| Year | HDFC Pharma and HealthcareHDFC Pharma and Healthcare | SBI QualitySBI Quality |
|---|---|---|
| 2026to date | +23.99% | -- |
| 2025 | +2.42% | -- |
| 2024 | +52.22% | -- |
HDFC Pharma and Healthcare vs SBI Quality: Rolling Returns
Every holding period of both funds, against BSE Healthcare TRI, the benchmark of HDFC Pharma and Healthcare Fund
HDFC Pharma and Healthcare vs SBI Quality: Risk and Drawdowns
How much each fund swings, and the worst fall over the same days
Risk and return
| Measure | HDFC Pharma and Healthcare Fund (Direct) | SBI Quality Fund (Direct) |
|---|---|---|
| Return (CAGR) | +29.32% | +4.77% |
| Standard deviation | 13.98% | 13.57% |
| Sharpe ratio | 1.66 | -0.03 |
| Sortino ratio | 2.38 | -0.04 |
| Maximum drawdown | −14.9% (28-02-2025) | −10.4% (23-10-2026) |
| Beta | 0.95 | 0.80 |
| Alpha | +8.51% | +10.71% |
From daily NAVs, 04-10-2023 to 30-10-2026. Standard deviation: how much the daily value swings, scaled to a year. Sharpe: return above the risk-free rate (NSE's overnight rate index) per unit of swing. Sortino: the same, counting only the falls. Beta and alpha compare each fund with its own benchmark's TRI.
Drawdowns
How far below its previous high each one was on every day: the falls an investor had to sit through. 0% means it was at a new high.
HDFC Pharma and Healthcare Fund (Direct)
SBI Quality Fund (Direct)
BSE Healthcare TRI
| Fund | Worst fall | High before it | Bottom | Back at the high | Time to climb back | Below its high today |
|---|---|---|---|---|---|---|
| HDFC Pharma and Healthcare Fund (Direct) | −9.8% | 21-09-2026 | 23-10-2026 | Not yet | -- | −4.1% |
| SBI Quality Fund (Direct) | −10.4% | 31-08-2026 | 23-10-2026 | Not yet | -- | −7.5% |
| BSE Healthcare TRI | −9.9% | 23-09-2026 | 23-10-2026 | Not yet | -- | −3.8% |
From daily values since 23-02-2026, the first day every fund has.
HDFC Pharma and Healthcare vs SBI Quality: Portfolio Overlap
From each fund's latest monthly portfolio: HDFC Pharma and Healthcare Fund, September 2026; SBI Quality Fund, September 2026
Holdings in common
- Overlap
- 7.9%
- Held by both
- 5
- Only in HDFC Pharma and Healthcare
- 33
- Only in SBI Quality
- 42
| Security | % of HDFC Pharma and Healthcare | % of SBI Quality |
|---|---|---|
| Divis Laboratories Ltd. | 9.39% | 2.07% |
| Sun Pharmaceutical Industries Ltd. | 8.28% | 1.94% |
| Apollo Hospitals Enterprise Ltd. | 3.69% | 1.84% |
| Anthem Biosciences Limited | 3.17% | 1.08% |
| Acutaas Chemicals Limited | 3.18% | 1.02% |
Overlap: for each holding both funds own, the smaller of its two weights, added up. 7.9% means 7.9% of each fund's money sits in positions the other also holds. Matched by ISIN. Cash and hedged positions are left out.
Largest holdings only in HDFC Pharma and Healthcare Fund
| Security | % of fund |
|---|---|
| Alkem Laboratories Ltd. | 4.64% |
| Cipla Ltd. | 4.15% |
| Torrent Pharmaceuticals Ltd. | 3.65% |
| Max Healthcare Institute Limited | 3.61% |
| Aster DM Quality Care Limited | 3.56% |
Largest holdings only in SBI Quality Fund
| Security | % of fund |
|---|---|
| Bajaj Auto Ltd. | 5.59% |
| Nestle India Ltd. | 5.16% |
| Solar Industries India Ltd. | 4.13% |
| Marico Ltd. | 3.93% |
| Hindustan Aeronautics Ltd. | 3.75% |
Asset and sector split
Share of each fund, from its latest monthly portfolio
Asset allocation
| Asset | HDFC Pharma and Healthcare | SBI Quality |
|---|---|---|
| Equity | 96.8% | 95.2% |
| Debt | 0.0% | 0.4% |
| Cash and others | 3.2% | 4.5% |
Market cap of stocks
| Market cap | HDFC Pharma and Healthcare | SBI Quality |
|---|---|---|
| Large Cap | 29.2% | 52.2% |
| Mid Cap | 30.1% | 19.7% |
| Small Cap | 32.5% | 18.2% |
| Foreign stocks | 0.0% | 3.1% |
| Not on AMFI's list | 5.0% | 2.0% |
Share of the whole fund. Groups follow AMFI's latest list: Large Cap is the 100 largest companies, Mid Cap the next 150, Small Cap the rest.
Largest sectors
| Sector | HDFC Pharma and Healthcare | SBI Quality |
|---|---|---|
| Pharmaceuticals & Biotechnology | 71.3% | 8.3% |
| Healthcare Services | 22.1% | 1.8% |
| Automobiles | 0.0% | 10.3% |
| Banks | 0.0% | 8.1% |
| IT - Software | 0.0% | 6.8% |
| Agricultural Food & other Products | 0.0% | 6.8% |
| Electrical Equipment | 0.0% | 6.0% |
| Healthcare Equipment & Supplies | 2.4% | 0.0% |
| Retailing | 1.0% | 1.1% |
The six largest sectors of each fund's stocks, % of the fund.
HDFC Pharma and Healthcare vs SBI Quality: Expense Ratio
What each plan charges a year, from AMFI's expense ratio file
| Charge | HDFC Pharma and Healthcare Fund | SBI Quality Fund |
|---|---|---|
| Total expense ratio (Direct) | 1.05% | 1.34% |
| Base expense ratio (Direct) | 0.71% | 0.77% |
| Total expense ratio (Regular) | 2.13% | 2.42% |
| Base expense ratio (Regular) | 1.65% | 1.70% |
The expense ratio comes out of the fund's assets every day, so every return on this page is already after it. Base expense ratio: the fund house's own fee. The total adds brokerage, transaction costs, and levies with GST.
More comparisons
Each fund against the others of its category
Compare HDFC Pharma and Healthcare with
HDFC Pharma and Healthcare Fund vs SBI Quality Fund: Frequently Asked Questions
What is the difference between HDFC Pharma and Healthcare Fund and SBI Quality Fund?
HDFC Pharma and Healthcare Fund is a Thematic fund, SBI Quality Fund is a Thematic fund, run by HDFC Mutual Fund and SBI Mutual Fund. Their portfolios overlap 7.9%. HDFC Pharma and Healthcare Fund charges 1.05% a year and SBI Quality Fund 1.34%.
Which has the lower expense ratio, HDFC Pharma and Healthcare Fund or SBI Quality Fund?
HDFC Pharma and Healthcare Fund charges less: 1.05% a year against 1.34%. These are the Direct plans' total expense ratios reported to AMFI.
How much do HDFC Pharma and Healthcare Fund and SBI Quality Fund overlap?
7.9%. They hold 5 of the same securities, the largest shared ones being DIVISLAB, SUNPHARMA, APOLLOHOSP. From each fund's latest monthly portfolio.
Which is riskier, HDFC Pharma and Healthcare Fund or SBI Quality Fund?
On SEBI's riskometer, HDFC Pharma and Healthcare Fund is rated Very High and SBI Quality Fund Very High. Over their common history, the standard deviation of daily returns was 13.98% and 13.57% a year.
Can I invest in both HDFC Pharma and Healthcare Fund and SBI Quality Fund?
Yes. 7.9% of each fund's money sits in the same holdings, so the two hold mostly different investments.
Who manages HDFC Pharma and Healthcare Fund and SBI Quality Fund?
HDFC Pharma and Healthcare Fund: Nikhil Mathur, Gopal Agrawal, Bhagyesh Kagalkar. SBI Quality Fund: Anup Upadhyay.
Sources: NAV and expense ratio from AMFI. Holdings from each fund house's monthly portfolio statement. Fund facts from each scheme summary document.
This page is information, not investment advice. Mutual fund investments are subject to market risks; read all scheme related documents carefully. Past returns do not promise future returns. Figures come from AMFI, NSE, BSE and each fund house's own documents.