ಎಚ್‌ಡಿಎಫ್‌ಸಿ ಮ್ಯೂಚುಯಲ್ ಫಂಡ್ 2022 ರಿಂದ 8 ಅತ್ಯುತ್ತಮ ಕಾರ್ಯಕ್ಷಮತೆಯ ಸಾಲ ನಿಧಿಗಳು | Fincash.com

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ಎಚ್‌ಡಿಎಫ್‌ಸಿ ಮ್ಯೂಚುವಲ್ ಫಂಡ್ ಸ್ಕೀಮ್ ಅನ್ನು ಏಕೆ ಆರಿಸಬೇಕು?
ಉತ್ತಮ HDFC ಸಾಲ ಮ್ಯೂಚುಯಲ್ ಫಂಡ್‌ಗಳು FY 22 - 23
ಎಚ್‌ಡಿಎಫ್‌ಸಿ ಮ್ಯೂಚುವಲ್ ಫಂಡ್ ಆನ್‌ಲೈನ್‌ನಲ್ಲಿ ಹೂಡಿಕೆ ಮಾಡುವುದು ಹೇಗೆ?
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HDFC ಮ್ಯೂಚುಯಲ್ ಫಂಡ್ 2022 ರಿಂದ 8 ಅತ್ಯುತ್ತಮ ಸಾಲ ನಿಧಿಗಳು

Updated on December 18, 2024 , 35106 views

ನೀಡುವ ಸಾಲ ನಿಧಿಗಳುhdfc mf ರಚಿಸಲು ಉದ್ದೇಶಗಳುಆದಾಯ ಹೂಡಿಕೆದಾರರಿಗೆ, ಮತ್ತು ಇದು HDFC ಡೆಟ್ ಫಂಡ್‌ಗಳ ಉನ್ನತ ಕಾರ್ಯಕ್ಷಮತೆಯ ಯೋಜನೆಗಳಿಂದ ಐತಿಹಾಸಿಕವಾಗಿ ಕಂಡುಬರುತ್ತದೆ.

HDFCಸಾಲ ನಿಧಿ ದೀರ್ಘಾವಧಿಯ ಅಥವಾ ಅಲ್ಪಾವಧಿಯ ಸಾಲಗಳಲ್ಲಿ ಹೂಡಿಕೆ ಮಾಡುವ ನವೀನ ಯೋಜನೆಯಾಗಿದೆಬಾಂಡ್ಗಳು, ಹಣದ ಮಾರುಕಟ್ಟೆಗಳು, ಇತ್ಯಾದಿ. ಸಾಲ ನಿಧಿಗಳು ಕಡಿಮೆ ಹೂಡಿಕೆದಾರರಿಗೆ ಸೂಕ್ತವಾಗಿದೆಅಪಾಯದ ಹಸಿವು ತಮ್ಮ ಹೆಚ್ಚುವರಿ ಹಣವನ್ನು ಅಲ್ಪಾವಧಿಗೆ ಇಡಲು ಬಯಸುವವರು. ಅವು ಕಡಿಮೆ ಅಪಾಯದ ಹೂಡಿಕೆಯಾಗಿದ್ದರೂ ಅವು ಕ್ರೆಡಿಟ್ ಅಪಾಯಕ್ಕೆ ಒಳಪಟ್ಟಿರುತ್ತವೆ.

ಎಚ್‌ಡಿಎಫ್‌ಸಿ ಮ್ಯೂಚುವಲ್ ಫಂಡ್ ಸ್ಕೀಮ್ ಅನ್ನು ಏಕೆ ಆರಿಸಬೇಕು?

ಎ. ಕನಿಷ್ಠ ಹೂಡಿಕೆಯ ಮೊತ್ತ

ಎಹೂಡಿಕೆದಾರ ಒಂದು ಮೂಲಕ INR 500 ಕ್ಕಿಂತ ಕಡಿಮೆ ಮೊತ್ತದ ಸಾಲ ಯೋಜನೆಗಳಲ್ಲಿ ಹೂಡಿಕೆ ಮಾಡಬಹುದುSIP ಮತ್ತು INR 5,000 ಒಂದು ದೊಡ್ಡ ಮೊತ್ತದ ಹೂಡಿಕೆಯ ಮೂಲಕ

ಬಿ. ಅತ್ಯುತ್ತಮ ರೇಟಿಂಗ್‌ಗಳು

ಅನೇಕAMC ಯೋಜನೆಗಳು ಮೂರು ಮತ್ತು ಅದಕ್ಕಿಂತ ಹೆಚ್ಚಿನ CRISIL ರೇಟಿಂಗ್ ಅನ್ನು ಹೊಂದಿವೆ

ಸಿ. ವಿವಿಧ ಆಯ್ಕೆಗಳು

ಹೂಡಿಕೆ ಎಚ್‌ಡಿಎಫ್‌ಸಿ ಸಾಲ ನಿಧಿಗಳು ವಿಶಾಲವಾಗಿ ಬರುತ್ತದೆಶ್ರೇಣಿ ವರ್ಗದಲ್ಲಿ, ಆದ್ದರಿಂದ ಹೂಡಿಕೆದಾರರು ತಮ್ಮ ಅಲ್ಪಾವಧಿ, ಮಧ್ಯಾವಧಿ ಮತ್ತು ದೀರ್ಘಾವಧಿಯನ್ನು ಯೋಜಿಸಬಹುದುಹೂಡಿಕೆ ಯೋಜನೆ ಈ ಸಾಲ ನಿಧಿಗಳನ್ನು ಆಯ್ಕೆ ಮಾಡುವ ಮೂಲಕ

ಹೂಡಿಕೆದಾರರು HDFC ನಲ್ಲಿ ಹೂಡಿಕೆ ಮಾಡಲು ಯೋಜಿಸುತ್ತಿದ್ದಾರೆಅತ್ಯುತ್ತಮ ಸಾಲ ನಿಧಿಗಳು, HDFC ಫಂಡ್ ಹೌಸ್‌ನ ಕೆಳಗೆ ಪಟ್ಟಿ ಮಾಡಲಾದ ಉನ್ನತ ಪ್ರದರ್ಶಕರಿಂದ ಆಯ್ಕೆ ಮಾಡಬಹುದು.

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ಉತ್ತಮ HDFC ಸಾಲ ಮ್ಯೂಚುಯಲ್ ಫಂಡ್‌ಗಳು FY 22 - 23

Fund	NAV	Net Assets (Cr)	3 MO (%)	6 MO (%)	1 YR (%)	3 YR (%)	2023 (%)	Debt Yield (YTM)	Mod. Duration	Eff. Maturity
HDFC Corporate Bond Fund Growth	₹31.0836 ↓ -0.01	₹32,841	1.7	4.2	8.6	6.2	7.2	7.39%	3Y 10M 21D	6Y 17D
HDFC Banking and PSU Debt Fund Growth	₹21.9669 ↓ 0.00	₹5,881	1.5	3.9	7.8	5.9	6.8	7.38%	3Y 8M	5Y 2M 28D
HDFC Gilt Fund Growth	₹53.0119 ↓ -0.03	₹2,857	0.9	4	8.6	5.6	7.1	7.04%	7Y 8M 27D	14Y 10M 7D
HDFC Credit Risk Debt Fund Growth	₹22.9876 ↓ -0.03	₹7,404	1.5	4	8.1	6.1	6.6	8.44%	2Y 2M 16D	3Y 2M 2D
HDFC Dynamic Debt Fund Growth	₹86.1112 ↓ -0.06	₹791	0.9	3.8	8.6	5.5	6.7	7.13%	7Y 7M 15D	15Y 10M 24D
HDFC Medium Term Debt Fund Growth	₹53.7518 ↓ -0.03	₹3,988	1.4	4	8	5.8	6.7	7.74%	3Y 9M 27D	5Y 9M 22D
HDFC Income Fund Growth	₹55.672 ↓ -0.03	₹861	1	3.9	8.8	5.1	6.1	7.12%	6Y 8M 15D	11Y 4M 26D
HDFC Short Term Debt Fund Growth	₹30.5582 ↓ 0.00	₹14,976	1.7	4.1	8.3	6.2	7.1	7.54%	2Y 9M 22D	4Y 26D
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 20 Dec 24

1. HDFC Corporate Bond Fund

(Erstwhile HDFC Medium Term Opportunities Fund)

To generate regular income through investments in Debt/ Money Market Instruments and Government Securities with maturities not exceeding 60 months.

HDFC Corporate Bond Fund is a Debt - Corporate Bond fund was launched on 29 Jun 10. It is a fund with Moderately Low risk and has given a CAGR/Annualized return of 8.1% since its launch. Ranked 2 in Corporate Bond category. Return for 2023 was 7.2% , 2022 was 3.3% and 2021 was 3.9% .

Below is the key information for HDFC Corporate Bond Fund

HDFC Corporate Bond Fund Growth
Launch Date	29 Jun 10
NAV (20 Dec 24)	₹31.0836 ↓ -0.01 (-0.02 %)
Net Assets (Cr)	₹32,841 on 30 Nov 24
Category	Debt - Corporate Bond
AMC	HDFC Asset Management Company Limited
Rating	☆☆☆☆☆
Risk	Moderately Low
Expense Ratio	0.59
Sharpe Ratio	2.56
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	300
Exit Load	NIL
Yield to Maturity	7.39%
Effective Maturity	6 Years 17 Days
Modified Duration	3 Years 10 Months 21 Days

Growth of 10,000 investment over the years.

Date	Value
30 Nov 19	₹10,000
30 Nov 20	₹11,135
30 Nov 21	₹11,621
30 Nov 22	₹11,964
30 Nov 23	₹12,796
30 Nov 24	₹13,909

HDFC Corporate Bond Fund SIP Returns

Total investment amount is ₹180,000
expected amount after 3 Years is ₹200,132.
Net Profit of ₹20,132 Invest Now

Returns for HDFC Corporate Bond Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 20 Dec 24

Duration	Returns
1 Month	0.5%
3 Month	1.7%
6 Month	4.2%
1 Year	8.6%
3 Year	6.2%
5 Year	6.9%
10 Year
15 Year
Since launch	8.1%

Historical performance (Yearly) on absolute basis

Year	Returns
2023	7.2%
2022	3.3%
2021	3.9%
2020	11.8%
2019	10.3%
2018	6.5%
2017	6.5%
2016	10.6%
2015	8.6%
2014	10.9%

Fund Manager information for HDFC Corporate Bond Fund

Name	Since	Tenure
Anupam Joshi	27 Oct 15	9.1 Yr.
Dhruv Muchhal	22 Jun 23	1.45 Yr.

Data below for HDFC Corporate Bond Fund as on 30 Nov 24

Asset Allocation

Asset Class	Value
Cash	4.73%
Debt	95.04%
Other	0.23%

Debt Sector Allocation

Sector	Value
Corporate	54.96%
Government	40.09%
Cash Equivalent	4.73%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
7.23% Govt Stock 2039 Sovereign Bonds \| -	10%	₹3,392 Cr	330,000,000 ↑ 5,000,000
7.93% Govt Stock 2033 Sovereign Bonds \| -	4%	₹1,291 Cr	125,000,000
6.79% Govt Stock 2034 Sovereign Bonds \| -	3%	₹997 Cr	100,000,000 ↓ -50,000,000
State Bank Of India Debentures \| -	2%	₹803 Cr	800 ↑ 100
7.53% Govt Stock 2034 Sovereign Bonds \| -	2%	₹760 Cr	75,000,000
Mangalore Refinery And Petrochemicals Limited Debentures \| -	2%	₹558 Cr	5,670
Reliance Industries Limited Debentures \| -	2%	₹527 Cr	5,000
HDFC Bank Limited Debentures \| -	2%	₹510 Cr	50,000
Bajaj Housing Finance Limited Debentures \| -	2%	₹504 Cr	50,000
LIC Housing Finance Limited Debentures \| -	2%	₹500 Cr	5,000

2. HDFC Banking and PSU Debt Fund

To generate regular income through investments in debt and money market instruments consisting predominantly of securities issued by entities such as Scheduled Commercial Banks and Public Sector undertakings. There is no assurance that the investment objective of the Scheme will be realized.

HDFC Banking and PSU Debt Fund is a Debt - Banking & PSU Debt fund was launched on 26 Mar 14. It is a fund with Moderately Low risk and has given a CAGR/Annualized return of 7.6% since its launch. Ranked 6 in Banking & PSU Debt category. Return for 2023 was 6.8% , 2022 was 3.3% and 2021 was 3.7% .

Below is the key information for HDFC Banking and PSU Debt Fund

HDFC Banking and PSU Debt Fund Growth
Launch Date	26 Mar 14
NAV (20 Dec 24)	₹21.9669 ↓ 0.00 (-0.01 %)
Net Assets (Cr)	₹5,881 on 30 Nov 24
Category	Debt - Banking & PSU Debt
AMC	HDFC Asset Management Company Limited
Rating	☆☆☆☆☆
Risk	Moderately Low
Expense Ratio	0.79
Sharpe Ratio	1.55
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	300
Exit Load	NIL
Yield to Maturity	7.38%
Effective Maturity	5 Years 2 Months 28 Days
Modified Duration	3 Years 8 Months

Growth of 10,000 investment over the years.

Date	Value
30 Nov 19	₹10,000
30 Nov 20	₹11,023
30 Nov 21	₹11,461
30 Nov 22	₹11,805
30 Nov 23	₹12,578
30 Nov 24	₹13,590

HDFC Banking and PSU Debt Fund SIP Returns

Total investment amount is ₹180,000
expected amount after 3 Years is ₹200,132.
Net Profit of ₹20,132 Invest Now

Returns for HDFC Banking and PSU Debt Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 20 Dec 24

Duration	Returns
1 Month	0.5%
3 Month	1.5%
6 Month	3.9%
1 Year	7.8%
3 Year	5.9%
5 Year	6.4%
10 Year
15 Year
Since launch	7.6%

Historical performance (Yearly) on absolute basis

Year	Returns
2023	6.8%
2022	3.3%
2021	3.7%
2020	10.6%
2019	10.2%
2018	5.9%
2017	6.3%
2016	10.8%
2015	9.8%
2014

Fund Manager information for HDFC Banking and PSU Debt Fund

Name	Since	Tenure
Anil Bamboli	26 Mar 14	10.69 Yr.
Dhruv Muchhal	22 Jun 23	1.45 Yr.

Data below for HDFC Banking and PSU Debt Fund as on 30 Nov 24

Asset Allocation

Asset Class	Value
Cash	4.96%
Debt	94.77%
Other	0.27%

Debt Sector Allocation

Sector	Value
Corporate	51.11%
Government	43.66%
Cash Equivalent	4.96%

Credit Quality

Rating	Value
AA	2.04%
AAA	97.96%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
7.18% Govt Stock 2033 Sovereign Bonds \| -	5%	₹300 Cr	29,500,000
Indian Railway Finance Corporation Limited Debentures \| -	5%	₹277 Cr	27,500
Small Industries Development Bank Of India Debentures \| -	4%	₹225 Cr	22,500
7.26% Govt Stock 2033 Sovereign Bonds \| -	4%	₹220 Cr	21,500,000
Indian Railway Finance Corporation Limited Debentures \| -	3%	₹202 Cr	20,000
State Bank Of India Debentures \| -	3%	₹176 Cr	175 ↑ 75
Bajaj Housing Finance Limited Debentures \| -	3%	₹151 Cr	15,000
Rural Electrification Corporation Limited Debentures \| -	3%	₹151 Cr	1,500
Small Industries Development Bank Of India Debentures \| -	2%	₹140 Cr	14,000
Housing And Urban Development Corporation Limited Debentures \| -	2%	₹130 Cr	1,250

3. HDFC Gilt Fund

(Erstwhile HDFC Gilt Fund - Long Term Plan)

The scheme seeks to generate credit risk - free returns through investments in sovereign securities issued by the Central Government and / or State Governments.

HDFC Gilt Fund is a Debt - Government Bond fund was launched on 25 Jul 01. It is a fund with Moderate risk and has given a CAGR/Annualized return of 7.4% since its launch. Ranked 7 in Government Bond category. Return for 2023 was 7.1% , 2022 was 1.7% and 2021 was 2.2% .

Below is the key information for HDFC Gilt Fund

HDFC Gilt Fund Growth
Launch Date	25 Jul 01
NAV (20 Dec 24)	₹53.0119 ↓ -0.03 (-0.05 %)
Net Assets (Cr)	₹2,857 on 30 Nov 24
Category	Debt - Government Bond
AMC	HDFC Asset Management Company Limited
Rating	☆☆☆
Risk	Moderate
Expense Ratio	0.88
Sharpe Ratio	1.15
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	300
Exit Load	NIL
Yield to Maturity	7.04%
Effective Maturity	14 Years 10 Months 7 Days
Modified Duration	7 Years 8 Months 27 Days

Growth of 10,000 investment over the years.

Date	Value
30 Nov 19	₹10,000
30 Nov 20	₹10,995
30 Nov 21	₹11,361
30 Nov 22	₹11,465
30 Nov 23	₹12,184
30 Nov 24	₹13,333

HDFC Gilt Fund SIP Returns

Total investment amount is ₹180,000
expected amount after 3 Years is ₹200,132.
Net Profit of ₹20,132 Invest Now

Returns for HDFC Gilt Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 20 Dec 24

Duration	Returns
1 Month	0.7%
3 Month	0.9%
6 Month	4%
1 Year	8.6%
3 Year	5.6%
5 Year	6%
10 Year
15 Year
Since launch	7.4%

Historical performance (Yearly) on absolute basis

Year	Returns
2023	7.1%
2022	1.7%
2021	2.2%
2020	10.7%
2019	8.6%
2018	5.4%
2017	1.8%
2016	16.6%
2015	5.9%
2014	19%

Fund Manager information for HDFC Gilt Fund

Name	Since	Tenure
Anil Bamboli	1 Sep 07	17.26 Yr.
Dhruv Muchhal	22 Jun 23	1.45 Yr.

Data below for HDFC Gilt Fund as on 30 Nov 24

Asset Allocation

Asset Class	Value
Cash	4.23%
Debt	95.77%

Debt Sector Allocation

Sector	Value
Government	95.77%
Cash Equivalent	4.23%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
7.18% Govt Stock 2033 Sovereign Bonds \| -	26%	₹743 Cr	73,000,000
7.3% Govt Stock 2053 Sovereign Bonds \| -	17%	₹480 Cr	46,500,000
7.26% Govt Stock 2033 Sovereign Bonds \| -	9%	₹245 Cr	24,000,000
7.26% Govt Stock 2032 Sovereign Bonds \| -	6%	₹174 Cr	17,000,000
7.1% Govt Stock 2034 Sovereign Bonds \| -	6%	₹168 Cr	16,500,000
6.79% Govt Stock 2034 Sovereign Bonds \| -	5%	₹150 Cr	15,000,000
7.34% Govt Stock 2064 Sovereign Bonds \| -	5%	₹140 Cr	13,500,000 ↑ 1,000,000
7.17% Govt Stock 2030 Sovereign Bonds \| -	5%	₹137 Cr	13,500,000
7.18% Govt Stock 2037 Sovereign Bonds \| -	4%	₹123 Cr	12,000,000
7.25% Govt Stock 2063 Sovereign Bonds \| -	3%	₹87 Cr	8,500,000

4. HDFC Credit Risk Debt Fund

(Erstwhile HDFC Corporate Debt Opportunities Fund)

To generate regular income and capital appreciation by investing predominantly in corporate debt.

HDFC Credit Risk Debt Fund is a Debt - Credit Risk fund was launched on 25 Mar 14. It is a fund with Moderate risk and has given a CAGR/Annualized return of 8% since its launch. Ranked 9 in Credit Risk category. Return for 2023 was 6.6% , 2022 was 3.7% and 2021 was 7% .

Below is the key information for HDFC Credit Risk Debt Fund

HDFC Credit Risk Debt Fund Growth
Launch Date	25 Mar 14
NAV (20 Dec 24)	₹22.9876 ↓ -0.03 (-0.14 %)
Net Assets (Cr)	₹7,404 on 30 Nov 24
Category	Debt - Credit Risk
AMC	HDFC Asset Management Company Limited
Rating	☆☆☆☆
Risk	Moderate
Expense Ratio	1.51
Sharpe Ratio	1.86
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	300
Exit Load	0-12 Months (1%),12-18 Months (0.5%),18 Months and above(NIL)
Yield to Maturity	8.44%
Effective Maturity	3 Years 2 Months 2 Days
Modified Duration	2 Years 2 Months 16 Days

Growth of 10,000 investment over the years.

Date	Value
30 Nov 19	₹10,000
30 Nov 20	₹11,021
30 Nov 21	₹11,835
30 Nov 22	₹12,249
30 Nov 23	₹13,038
30 Nov 24	₹14,139

HDFC Credit Risk Debt Fund SIP Returns

Total investment amount is ₹180,000
expected amount after 3 Years is ₹203,125.
Net Profit of ₹23,125 Invest Now

Returns for HDFC Credit Risk Debt Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 20 Dec 24

Duration	Returns
1 Month	0.4%
3 Month	1.5%
6 Month	4%
1 Year	8.1%
3 Year	6.1%
5 Year	7.3%
10 Year
15 Year
Since launch	8%

Historical performance (Yearly) on absolute basis

Year	Returns
2023	6.6%
2022	3.7%
2021	7%
2020	10.9%
2019	8.6%
2018	5.4%
2017	6.6%
2016	11%
2015	9%
2014

Fund Manager information for HDFC Credit Risk Debt Fund

Name	Since	Tenure
Shobhit Mehrotra	25 Mar 14	10.7 Yr.
Dhruv Muchhal	22 Jun 23	1.45 Yr.

Data below for HDFC Credit Risk Debt Fund as on 30 Nov 24

Asset Allocation

Asset Class	Value
Cash	8.05%
Equity	2.2%
Debt	89.46%
Other	0.3%

Debt Sector Allocation

Sector	Value
Corporate	73.84%
Government	12.09%
Cash Equivalent	8.05%
Securitized	2.65%

Credit Quality

Rating	Value
A	6.26%
AA	66.31%
AAA	27.44%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Sandur Manganese And Iron Ores Limited (The) Debentures \| -	4%	₹297 Cr	30,000
Tata Projects Limited Debentures \| -	3%	₹251 Cr	25,000
The Tata Power Company Limited Debentures \| -	3%	₹231 Cr	2,190
TATA Motors Limited Debentures \| -	3%	₹201 Cr	2,000
Power Finance Corporation Limited Debentures \| -	3%	₹200 Cr	1,890 ↓ -550
Kalpataru Power Transmission Limited Debentures \| -	3%	₹198 Cr	20,000
TATA Motors Limited Debentures \| -	3%	₹191 Cr	1,900
Embassy Office Parks Reit Unlisted bonds \| -	3%	₹190 Cr	5,007,542
TVS Credit Services Limited Debentures \| -	2%	₹181 Cr	180
Kalpataru Power Transmission Limited Debentures \| -	2%	₹179 Cr	18,000

5. HDFC Dynamic Debt Fund

(Erstwhile HDFC High Interest Fund - Dynamic Plan)

Seeks to generate income by investing in a range of debt and money market instruments of various maturity dates with a view to maximise income while maintaining the optimum balance of yield, safety and liquidity.

HDFC Dynamic Debt Fund is a Debt - Dynamic Bond fund was launched on 28 Apr 97. It is a fund with Moderate risk and has given a CAGR/Annualized return of 8.1% since its launch. Ranked 21 in Dynamic Bond category. Return for 2023 was 6.7% , 2022 was 1.6% and 2021 was 7.4% .

Below is the key information for HDFC Dynamic Debt Fund

HDFC Dynamic Debt Fund Growth
Launch Date	28 Apr 97
NAV (20 Dec 24)	₹86.1112 ↓ -0.06 (-0.07 %)
Net Assets (Cr)	₹791 on 30 Nov 24
Category	Debt - Dynamic Bond
AMC	HDFC Asset Management Company Limited
Rating	☆☆☆
Risk	Moderate
Expense Ratio	1.47
Sharpe Ratio	1.14
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	300
Exit Load	0-6 Months (0.5%),6 Months and above(NIL)
Yield to Maturity	7.13%
Effective Maturity	15 Years 10 Months 24 Days
Modified Duration	7 Years 7 Months 15 Days

Growth of 10,000 investment over the years.

Date	Value
30 Nov 19	₹10,000
30 Nov 20	₹10,835
30 Nov 21	₹11,754
30 Nov 22	₹11,873
30 Nov 23	₹12,571
30 Nov 24	₹13,742

HDFC Dynamic Debt Fund SIP Returns

Total investment amount is ₹180,000
expected amount after 3 Years is ₹200,132.
Net Profit of ₹20,132 Invest Now

Returns for HDFC Dynamic Debt Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 20 Dec 24

Duration	Returns
1 Month	0.5%
3 Month	0.9%
6 Month	3.8%
1 Year	8.6%
3 Year	5.5%
5 Year	6.6%
10 Year
15 Year
Since launch	8.1%

Historical performance (Yearly) on absolute basis

Year	Returns
2023	6.7%
2022	1.6%
2021	7.4%
2020	8.9%
2019	3.2%
2018	4.1%
2017	2.7%
2016	14.7%
2015	5.5%
2014	16.1%

Fund Manager information for HDFC Dynamic Debt Fund

Name	Since	Tenure
Anil Bamboli	16 Feb 04	20.81 Yr.
Dhruv Muchhal	22 Jun 23	1.45 Yr.

Data below for HDFC Dynamic Debt Fund as on 30 Nov 24

Asset Allocation

Asset Class	Value
Cash	2.82%
Equity	1.52%
Debt	95.44%
Other	0.23%

Debt Sector Allocation

Sector	Value
Government	83.58%
Corporate	11.74%
Cash Equivalent	2.82%
Securitized	0.12%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
7.3% Govt Stock 2053 Sovereign Bonds \| -	15%	₹119 Cr	11,500,000
7.18% Govt Stock 2033 Sovereign Bonds \| -	13%	₹102 Cr	10,000,000
7.1% Govt Stock 2034 Sovereign Bonds \| -	9%	₹71 Cr	7,000,000
7.26% Govt Stock 2032 Sovereign Bonds \| -	9%	₹69 Cr	6,750,000
7.25% Govt Stock 2063 Sovereign Bonds \| -	7%	₹57 Cr	5,500,000
7.26% Govt Stock 2033 Sovereign Bonds \| -	6%	₹51 Cr	5,000,000
7.53% Govt Stock 2034 Sovereign Bonds \| -	6%	₹46 Cr	4,500,000
7.34% Govt Stock 2064 Sovereign Bonds \| -	5%	₹36 Cr	3,500,000
6.79% Govt Stock 2034 Sovereign Bonds \| -	4%	₹30 Cr	3,000,000
Rec Limited Debentures \| -	3%	₹26 Cr	250

6. HDFC Medium Term Debt Fund

(Erstwhile HDFC High Interest Fund - Short Term Plan)

To generate income by investing in a range of debt and money market instruments of various maturity dates with a view to maximising income while maintaining the optimum balance of yield, safety and liquidity. The objective is to cater to the needs of investors with shorter term investment horizons and to provide stable returns over shorter periods.

HDFC Medium Term Debt Fund is a Debt - Medium term Bond fund was launched on 6 Feb 02. It is a fund with Moderate risk and has given a CAGR/Annualized return of 7.6% since its launch. Ranked 22 in Medium term Bond category. Return for 2023 was 6.7% , 2022 was 2.9% and 2021 was 5% .

Below is the key information for HDFC Medium Term Debt Fund

HDFC Medium Term Debt Fund Growth
Launch Date	6 Feb 02
NAV (20 Dec 24)	₹53.7518 ↓ -0.03 (-0.06 %)
Net Assets (Cr)	₹3,988 on 30 Nov 24
Category	Debt - Medium term Bond
AMC	HDFC Asset Management Company Limited
Rating	☆☆☆
Risk	Moderate
Expense Ratio	1.29
Sharpe Ratio	1.51
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	300
Exit Load	0-1 Months (0.25%),1 Months and above(NIL)
Yield to Maturity	7.74%
Effective Maturity	5 Years 9 Months 22 Days
Modified Duration	3 Years 9 Months 27 Days

Growth of 10,000 investment over the years.

Date	Value
30 Nov 19	₹10,000
30 Nov 20	₹10,968
30 Nov 21	₹11,562
30 Nov 22	₹11,862
30 Nov 23	₹12,617
30 Nov 24	₹13,676

HDFC Medium Term Debt Fund SIP Returns

Total investment amount is ₹180,000
expected amount after 3 Years is ₹200,132.
Net Profit of ₹20,132 Invest Now

Returns for HDFC Medium Term Debt Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 20 Dec 24

Duration	Returns
1 Month	0.5%
3 Month	1.4%
6 Month	4%
1 Year	8%
3 Year	5.8%
5 Year	6.5%
10 Year
15 Year
Since launch	7.6%

Historical performance (Yearly) on absolute basis

Year	Returns
2023	6.7%
2022	2.9%
2021	5%
2020	10%
2019	9.1%
2018	5.6%
2017	5.5%
2016	11.5%
2015	7.4%
2014	11.2%

Fund Manager information for HDFC Medium Term Debt Fund

Name	Since	Tenure
Shobhit Mehrotra	1 Sep 07	17.26 Yr.
Dhruv Muchhal	22 Jun 23	1.45 Yr.

Data below for HDFC Medium Term Debt Fund as on 30 Nov 24

Asset Allocation

Asset Class	Value
Cash	4.49%
Equity	0.67%
Debt	94.57%
Other	0.27%

Debt Sector Allocation

Sector	Value
Corporate	55.15%
Government	38.45%
Cash Equivalent	4.49%
Securitized	0.96%

Credit Quality

Rating	Value
AA	37%
AAA	61.67%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
7.18% Govt Stock 2037 Sovereign Bonds \| -	8%	₹307 Cr	30,047,700
7.23% Govt Stock 2039 Sovereign Bonds \| -	5%	₹190 Cr	18,500,000 ↑ 2,500,000
6.54% Govt Stock 2032 Sovereign Bonds \| -	4%	₹147 Cr	15,000,000
Tata Steel Limited Debentures \| -	4%	₹146 Cr	14,500
7.26% Govt Stock 2033 Sovereign Bonds \| -	3%	₹128 Cr	12,500,000
Small Business Fincredit India Private Limited Debentures \| -	2%	₹100 Cr	10,000
Kalpataru Power Transmission Limited Debentures \| -	2%	₹99 Cr	10,000
6.1% Govt Stock 2031 Sovereign Bonds \| -	2%	₹96 Cr	10,000,000
The Tata Power Company Limited Debentures \| -	2%	₹77 Cr	725
7.18% Govt Stock 2033 Sovereign Bonds \| -	2%	₹76 Cr	7,500,000

7. HDFC Income Fund

Aims to optimise returns while maintaining a balance of safety, yield and liquidity.

HDFC Income Fund is a Debt - Medium to Long term fund was launched on 11 Sep 00. It is a fund with Moderate risk and has given a CAGR/Annualized return of 7.3% since its launch. Ranked 29 in Medium to Long term category. Return for 2023 was 6.1% , 2022 was 0.9% and 2021 was 2.1% .

Below is the key information for HDFC Income Fund

HDFC Income Fund Growth
Launch Date	11 Sep 00
NAV (20 Dec 24)	₹55.672 ↓ -0.03 (-0.05 %)
Net Assets (Cr)	₹861 on 30 Nov 24
Category	Debt - Medium to Long term
AMC	HDFC Asset Management Company Limited
Rating	☆☆
Risk	Moderate
Expense Ratio	1.53
Sharpe Ratio	1.38
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	300
Exit Load	0-1 Months (0.25%),1 Months and above(NIL)
Yield to Maturity	7.12%
Effective Maturity	11 Years 4 Months 26 Days
Modified Duration	6 Years 8 Months 15 Days

Growth of 10,000 investment over the years.

Date	Value
30 Nov 19	₹10,000
30 Nov 20	₹10,898
30 Nov 21	₹11,207
30 Nov 22	₹11,265
30 Nov 23	₹11,831
30 Nov 24	₹12,985

HDFC Income Fund SIP Returns

Total investment amount is ₹180,000
expected amount after 3 Years is ₹197,169.
Net Profit of ₹17,169 Invest Now

Returns for HDFC Income Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 20 Dec 24

Duration	Returns
1 Month	0.6%
3 Month	1%
6 Month	3.9%
1 Year	8.8%
3 Year	5.1%
5 Year	5.4%
10 Year
15 Year
Since launch	7.3%

Historical performance (Yearly) on absolute basis

Year	Returns
2023	6.1%
2022	0.9%
2021	2.1%
2020	9.3%
2019	8.7%
2018	3.6%
2017	1.3%
2016	14.5%
2015	5.3%
2014	15.7%

Fund Manager information for HDFC Income Fund

Name	Since	Tenure
Shobhit Mehrotra	11 Sep 07	17.24 Yr.
Dhruv Muchhal	22 Jun 23	1.45 Yr.

Data below for HDFC Income Fund as on 30 Nov 24

Asset Allocation

Asset Class	Value
Cash	3.57%
Debt	96.18%
Other	0.24%

Debt Sector Allocation

Sector	Value
Government	83.97%
Corporate	11.74%
Cash Equivalent	3.57%
Securitized	0.46%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
7.18% Govt Stock 2037 Sovereign Bonds \| -	20%	₹174 Cr	17,000,000
7.41% Govt Stock 2036 Sovereign Bonds \| -	12%	₹104 Cr	10,000,000
7.54% Govt Stock 2036 Sovereign Bonds \| -	12%	₹100 Cr	9,500,000
7.23% Govt Stock 2039 Sovereign Bonds \| -	9%	₹77 Cr	7,500,000
7.18% Govt Stock 2033 Sovereign Bonds \| -	7%	₹61 Cr	6,000,000
7.1% Govt Stock 2034 Sovereign Bonds \| -	3%	₹29 Cr	2,879,300
Ntpc Limited Debentures \| -	3%	₹26 Cr	250
7.98% Govt Stock 2031 Sovereign Bonds \| -	3%	₹26 Cr	2,500,000
7.53% Govt Stock 2034 Sovereign Bonds \| -	3%	₹25 Cr	2,500,000
National Bank for Agriculture and Rural Development Domestic Bonds \| -	3%	₹25 Cr	2,500

8. HDFC Short Term Debt Fund

(Erstwhile HDFC Short Term Opportunities Fund)

To generate regular income through investments in Debt/Money Market Instruments and Government Securities with maturities not exceeding 36 months.

HDFC Short Term Debt Fund is a Debt - Short term Bond fund was launched on 25 Jun 10. It is a fund with Moderately Low risk and has given a CAGR/Annualized return of 8% since its launch. Ranked 30 in Short term Bond category. Return for 2023 was 7.1% , 2022 was 3.5% and 2021 was 3.9% .

Below is the key information for HDFC Short Term Debt Fund

HDFC Short Term Debt Fund Growth
Launch Date	25 Jun 10
NAV (20 Dec 24)	₹30.5582 ↓ 0.00 (-0.01 %)
Net Assets (Cr)	₹14,976 on 30 Nov 24
Category	Debt - Short term Bond
AMC	HDFC Asset Management Company Limited
Rating	☆☆☆
Risk	Moderately Low
Expense Ratio	0.71
Sharpe Ratio	2.69
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	300
Exit Load	NIL
Yield to Maturity	7.54%
Effective Maturity	4 Years 26 Days
Modified Duration	2 Years 9 Months 22 Days

Growth of 10,000 investment over the years.

Date	Value
30 Nov 19	₹10,000
30 Nov 20	₹11,074
30 Nov 21	₹11,543
30 Nov 22	₹11,910
30 Nov 23	₹12,725
30 Nov 24	₹13,807

HDFC Short Term Debt Fund SIP Returns

Total investment amount is ₹180,000
expected amount after 3 Years is ₹200,132.
Net Profit of ₹20,132 Invest Now

Returns for HDFC Short Term Debt Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 20 Dec 24

Duration	Returns
1 Month	0.5%
3 Month	1.7%
6 Month	4.1%
1 Year	8.3%
3 Year	6.2%
5 Year	6.7%
10 Year
15 Year
Since launch	8%

Historical performance (Yearly) on absolute basis

Year	Returns
2023	7.1%
2022	3.5%
2021	3.9%
2020	11%
2019	9.7%
2018	7%
2017	6.5%
2016	9.3%
2015	8.7%
2014	10.4%

Fund Manager information for HDFC Short Term Debt Fund

Name	Since	Tenure
Anil Bamboli	25 Jun 10	14.45 Yr.
Dhruv Muchhal	22 Jun 23	1.45 Yr.

Data below for HDFC Short Term Debt Fund as on 30 Nov 24

Asset Allocation

Asset Class	Value
Cash	10.57%
Debt	89.19%
Other	0.25%

Debt Sector Allocation

Sector	Value
Corporate	54.85%
Government	36.13%
Cash Equivalent	8.77%

Credit Quality

Rating	Value
AA	16.32%
AAA	83.68%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
7.18% Govt Stock 2033 Sovereign Bonds \| -	7%	₹1,095 Cr	107,500,000
7.3% Govt Stock 2028 Sovereign Bonds \| -	3%	₹519 Cr	51,500,000
Aditya Birla Renewables Limited Debentures \| -	3%	₹376 Cr	37,500
7.26% Govt Stock 2032 Sovereign Bonds \| -	2%	₹353 Cr	34,500,000
7.1% Govt Stock 2034 Sovereign Bonds \| -	2%	₹279 Cr	27,500,000
Bajaj Housing Finance Limited Debentures \| -	2%	₹252 Cr	25,000
National Bank for Agriculture and Rural Development Domestic Bonds \| -	2%	₹252 Cr	25,000
Small Industries Development Bank Of India Debentures \| -	1%	₹225 Cr	22,500
Pipeline Infrastructure Private Limited Debentures \| -	1%	₹224 Cr	22,000
Small Industries Development Bank Of India Debentures \| -	1%	₹202 Cr	20,000

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