2022 માટે ટોચની 10 શ્રેષ્ઠ HDFC મ્યુચ્યુઅલ ફંડ યોજનાઓ

Updated on August 31, 2025 , 30169 views

HDFC મ્યુચ્યુઅલ ફંડ સૌથી મોટામાંનું એક છેAMCભારતમાં છે. ફંડ હાઉસ વિવિધ કેટેગરીમાં સતત ફંડ પ્રદર્શન આપવા પર ધ્યાન કેન્દ્રિત કરે છે.

સિંગલ સૌથી મહત્વપૂર્ણપરિબળ જે રોકાણકારોને HDFC સાથે રોકાણ કરવા પ્રેરિત કરે છેમ્યુચ્યુઅલ ફંડ તે છે “તે આપે છેરોકાણકાર નાણાકીય ક્ષેત્રે નફાકારક રોકાણ કરવાની તકબજાર, બજારની વધઘટ વિશે સતત ચિંતા કર્યા વિના. ફંડ હાઉસ સમગ્ર મ્યુચ્યુઅલ ફંડ કેટેગરીની જેમ કે ઈક્વિટી, ડેટ, ફિક્સ્ડ સ્કીમ ઓફર કરે છેઆવક,નિવૃત્તિ ફંડ, વગેરે.

રોકાણકારો તેમના રોકાણના લક્ષ્યો અનુસાર આ ફંડ્સમાં રોકાણ કરી શકે છે અનેજોખમની ભૂખ. ઉચ્ચ જોખમ લેવા ઈચ્છુક રોકાણકારો રોકાણ કરી શકે છેઇક્વિટી ફંડ્સ અને સરેરાશ જોખમની ભૂખ ધરાવનાર વ્યક્તિ આદર્શ રીતે રોકાણ કરી શકે છેડેટ ફંડ.

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HDFC મ્યુચ્યુઅલ ફંડ શા માટે પસંદ કરો?

ઉત્તમ રેટિંગ્સ: કંપનીની ઘણી યોજનાઓનું CRISIL રેટિંગ ત્રણ અને તેથી વધુ છે.
વિકલ્પોની વિવિધતા:રોકાણ HDFC મ્યુચ્યુઅલ ફંડમાં વ્યાપક સાથે આવે છેશ્રેણી પસંદગીઓ.
કર લાભો: HDFC મ્યુચ્યુઅલ ફંડની કેટલીક યોજનાઓ રોકાણકારોને કર લાભો આપે છે.
રોકાણકારની જરૂરિયાત પૂરી કરવી: કંપની પાસે એવા ઉત્પાદનો છે જે દરેક પ્રકારના રોકાણકારોને અનુકૂળ આવે. ફંડ્સ ટૂંકા ગાળાથી લઈને લાંબા ગાળાના અને ઓપન-એન્ડેડથી ક્લોઝ-એન્ડેડ ફંડ્સ સુધીની રેન્જ ધરાવે છે. કંપની એ સુનિશ્ચિત કરે છે કે રોકાણકારને જે જોઈએ તે મળે. તે નીચા, મધ્યમ અને ઉચ્ચ જોખમવાળા ઉત્પાદનો પણ ઓફર કરે છે.

તમે 2022 માટે નીચે આપેલી ટોચની 10 શ્રેષ્ઠ HDFC મ્યુચ્યુઅલ ફંડ યોજનાઓમાંથી એક ફંડ પસંદ કરી શકો છો. આ ફંડ્સ એયુએમ જેવા કેટલાક મહત્વપૂર્ણ પરિમાણો હાથ ધરીને શોર્ટલિસ્ટ કરવામાં આવ્યા છે.નથી, ભૂતકાળનું પ્રદર્શન, પીઅર સરેરાશ વળતર, વગેરે.

શ્રેષ્ઠ HDFC મ્યુચ્યુઅલ ફંડ યોજનાઓ

Fund	NAV	Net Assets (Cr)	Min Investment	Min SIP Investment	3 MO (%)	6 MO (%)	1 YR (%)	3 YR (%)	5 YR (%)	Since launch (%)	2024 (%)
HDFC Corporate Bond Fund Growth	₹32.7455 ↓ 0.00	₹35,968	5,000	300	0.1	4.1	7.8	7.5	6.2	8.1	8.6
HDFC Banking and PSU Debt Fund Growth	₹23.1774 ↓ -0.01	₹5,935	5,000	300	0.3	4.3	7.8	7.2	5.9	7.6	7.9
HDFC Credit Risk Debt Fund Growth	₹24.286 ↑ 0.00	₹7,015	5,000	300	1.1	4.3	7.8	7.3	7.1	8.1	8.2
HDFC Equity Savings Fund Growth	₹65.795	₹5,674	5,000	300	0.6	6.6	2.7	10	11.9	9.4	10.3
HDFC Hybrid Debt Fund Growth	₹81.2131 ↑ 0.01	₹3,388	5,000	300	-1.6	4.4	2.5	9.9	10.8	10.1	10.5
HDFC Small Cap Fund Growth	₹142.308 ↑ 1.23	₹36,353	5,000	300	5.2	25.1	0.2	23.4	30.4	16.5	20.4
HDFC Balanced Advantage Fund Growth	₹511.108 ↑ 0.33	₹101,773	5,000	300	-0.7	9.3	-0.3	18.3	22.4	18.1	16.7
HDFC Long Term Advantage Fund Growth	₹595.168 ↑ 0.28	₹1,318	500	500	1.2	15.4	35.5	20.6	17.4	21.4
HDFC Short Term Debt Fund Growth	₹32.3387 ↓ 0.00	₹18,143	5,000	300	0.8	4.5	8.2	7.6	6.2	8	8.3
HDFC Money Market Fund Growth	₹5,789.37 ↑ 0.38	₹36,814	5,000	300	1.6	4.1	7.8	7.4	6	7	7.7
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 2 Sep 25

Research Highlights & Commentary of 10 Funds showcased

Commentary	HDFC Corporate Bond Fund	HDFC Banking and PSU Debt Fund	HDFC Credit Risk Debt Fund	HDFC Equity Savings Fund	HDFC Hybrid Debt Fund	HDFC Small Cap Fund	HDFC Balanced Advantage Fund	HDFC Long Term Advantage Fund	HDFC Short Term Debt Fund	HDFC Money Market Fund
Point 1	Upper mid AUM (₹35,968 Cr).	Lower mid AUM (₹5,935 Cr).	Lower mid AUM (₹7,015 Cr).	Bottom quartile AUM (₹5,674 Cr).	Bottom quartile AUM (₹3,388 Cr).	Upper mid AUM (₹36,353 Cr).	Highest AUM (₹101,773 Cr).	Bottom quartile AUM (₹1,318 Cr).	Upper mid AUM (₹18,143 Cr).	Top quartile AUM (₹36,814 Cr).
Point 2	Established history (15+ yrs).	Established history (11+ yrs).	Established history (11+ yrs).	Established history (20+ yrs).	Established history (21+ yrs).	Established history (17+ yrs).	Established history (24+ yrs).	Established history (24+ yrs).	Established history (15+ yrs).	Oldest track record among peers (25 yrs).
Point 3	Top rated.	Rating: 5★ (top quartile).	Rating: 4★ (upper mid).	Rating: 4★ (upper mid).	Rating: 4★ (upper mid).	Rating: 4★ (lower mid).	Rating: 4★ (lower mid).	Rating: 3★ (bottom quartile).	Rating: 3★ (bottom quartile).	Rating: 3★ (bottom quartile).
Point 4	Risk profile: Moderately Low.	Risk profile: Moderately Low.	Risk profile: Moderate.	Risk profile: Moderately High.	Risk profile: Moderately High.	Risk profile: Moderately High.	Risk profile: Moderately High.	Risk profile: Moderately High.	Risk profile: Moderately Low.	Risk profile: Low.
Point 5	1Y return: 7.81% (upper mid).	1Y return: 7.75% (lower mid).	1Y return: 7.78% (upper mid).	5Y return: 11.94% (upper mid).	5Y return: 10.77% (upper mid).	5Y return: 30.36% (top quartile).	5Y return: 22.35% (top quartile).	5Y return: 17.39% (upper mid).	1Y return: 8.21% (top quartile).	1Y return: 7.83% (upper mid).
Point 6	1M return: -0.39% (bottom quartile).	1M return: -0.24% (bottom quartile).	1M return: 0.11% (upper mid).	3Y return: 9.98% (upper mid).	3Y return: 9.87% (upper mid).	3Y return: 23.40% (top quartile).	3Y return: 18.26% (upper mid).	3Y return: 20.64% (top quartile).	1M return: 0.00% (lower mid).	1M return: 0.45% (upper mid).
Point 7	Sharpe: 1.46 (upper mid).	Sharpe: 1.31 (lower mid).	Sharpe: 1.91 (upper mid).	1Y return: 2.66% (lower mid).	1Y return: 2.52% (bottom quartile).	1Y return: 0.16% (bottom quartile).	1Y return: -0.27% (bottom quartile).	1Y return: 35.51% (top quartile).	Sharpe: 2.01 (upper mid).	Sharpe: 3.01 (top quartile).
Point 8	Information ratio: 0.00 (top quartile).	Information ratio: 0.00 (top quartile).	Information ratio: 0.00 (upper mid).	1M return: 0.44% (upper mid).	1M return: -0.97% (bottom quartile).	Alpha: 0.00 (lower mid).	1M return: -0.06% (lower mid).	Alpha: 1.75 (top quartile).	Information ratio: 0.00 (bottom quartile).	Information ratio: 0.00 (bottom quartile).
Point 9	Yield to maturity (debt): 6.88% (upper mid).	Yield to maturity (debt): 6.78% (upper mid).	Yield to maturity (debt): 7.93% (top quartile).	Alpha: 0.00 (upper mid).	Alpha: 0.00 (lower mid).	Sharpe: -0.17 (lower mid).	Alpha: 0.00 (bottom quartile).	Sharpe: 2.27 (top quartile).	Yield to maturity (debt): 6.80% (upper mid).	Yield to maturity (debt): 6.19% (bottom quartile).
Point 10	Modified duration: 4.20 yrs (bottom quartile).	Modified duration: 3.52 yrs (lower mid).	Modified duration: 2.49 yrs (upper mid).	Sharpe: -0.58 (bottom quartile).	Sharpe: -0.43 (bottom quartile).	Information ratio: 0.00 (lower mid).	Sharpe: -0.60 (bottom quartile).	Information ratio: -0.15 (bottom quartile).	Modified duration: 2.36 yrs (upper mid).	Modified duration: 0.52 yrs (upper mid).

HDFC Corporate Bond Fund

Upper mid AUM (₹35,968 Cr).
Established history (15+ yrs).
Top rated.
Risk profile: Moderately Low.
1Y return: 7.81% (upper mid).
1M return: -0.39% (bottom quartile).
Sharpe: 1.46 (upper mid).
Information ratio: 0.00 (top quartile).
Yield to maturity (debt): 6.88% (upper mid).
Modified duration: 4.20 yrs (bottom quartile).

HDFC Banking and PSU Debt Fund

Lower mid AUM (₹5,935 Cr).
Established history (11+ yrs).
Rating: 5★ (top quartile).
Risk profile: Moderately Low.
1Y return: 7.75% (lower mid).
1M return: -0.24% (bottom quartile).
Sharpe: 1.31 (lower mid).
Information ratio: 0.00 (top quartile).
Yield to maturity (debt): 6.78% (upper mid).
Modified duration: 3.52 yrs (lower mid).

HDFC Credit Risk Debt Fund

Lower mid AUM (₹7,015 Cr).
Established history (11+ yrs).
Rating: 4★ (upper mid).
Risk profile: Moderate.
1Y return: 7.78% (upper mid).
1M return: 0.11% (upper mid).
Sharpe: 1.91 (upper mid).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 7.93% (top quartile).
Modified duration: 2.49 yrs (upper mid).

HDFC Equity Savings Fund

Bottom quartile AUM (₹5,674 Cr).
Established history (20+ yrs).
Rating: 4★ (upper mid).
Risk profile: Moderately High.
5Y return: 11.94% (upper mid).
3Y return: 9.98% (upper mid).
1Y return: 2.66% (lower mid).
1M return: 0.44% (upper mid).
Alpha: 0.00 (upper mid).
Sharpe: -0.58 (bottom quartile).

HDFC Hybrid Debt Fund

Bottom quartile AUM (₹3,388 Cr).
Established history (21+ yrs).
Rating: 4★ (upper mid).
Risk profile: Moderately High.
5Y return: 10.77% (upper mid).
3Y return: 9.87% (upper mid).
1Y return: 2.52% (bottom quartile).
1M return: -0.97% (bottom quartile).
Alpha: 0.00 (lower mid).
Sharpe: -0.43 (bottom quartile).

HDFC Small Cap Fund

Upper mid AUM (₹36,353 Cr).
Established history (17+ yrs).
Rating: 4★ (lower mid).
Risk profile: Moderately High.
5Y return: 30.36% (top quartile).
3Y return: 23.40% (top quartile).
1Y return: 0.16% (bottom quartile).
Alpha: 0.00 (lower mid).
Sharpe: -0.17 (lower mid).
Information ratio: 0.00 (lower mid).

HDFC Balanced Advantage Fund

Highest AUM (₹101,773 Cr).
Established history (24+ yrs).
Rating: 4★ (lower mid).
Risk profile: Moderately High.
5Y return: 22.35% (top quartile).
3Y return: 18.26% (upper mid).
1Y return: -0.27% (bottom quartile).
1M return: -0.06% (lower mid).
Alpha: 0.00 (bottom quartile).
Sharpe: -0.60 (bottom quartile).

HDFC Long Term Advantage Fund

Bottom quartile AUM (₹1,318 Cr).
Established history (24+ yrs).
Rating: 3★ (bottom quartile).
Risk profile: Moderately High.
5Y return: 17.39% (upper mid).
3Y return: 20.64% (top quartile).
1Y return: 35.51% (top quartile).
Alpha: 1.75 (top quartile).
Sharpe: 2.27 (top quartile).
Information ratio: -0.15 (bottom quartile).

HDFC Short Term Debt Fund

Upper mid AUM (₹18,143 Cr).
Established history (15+ yrs).
Rating: 3★ (bottom quartile).
Risk profile: Moderately Low.
1Y return: 8.21% (top quartile).
1M return: 0.00% (lower mid).
Sharpe: 2.01 (upper mid).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 6.80% (upper mid).
Modified duration: 2.36 yrs (upper mid).

HDFC Money Market Fund

Top quartile AUM (₹36,814 Cr).
Oldest track record among peers (25 yrs).
Rating: 3★ (bottom quartile).
Risk profile: Low.
1Y return: 7.83% (upper mid).
1M return: 0.45% (upper mid).
Sharpe: 3.01 (top quartile).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 6.19% (bottom quartile).
Modified duration: 0.52 yrs (upper mid).

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.

Research Highlights for HDFC Corporate Bond Fund

Upper mid AUM (₹35,968 Cr).
Established history (15+ yrs).
Top rated.
Risk profile: Moderately Low.
1Y return: 7.81% (upper mid).
1M return: -0.39% (bottom quartile).
Sharpe: 1.46 (upper mid).
Information ratio: 0.00 (top quartile).
Yield to maturity (debt): 6.88% (upper mid).
Modified duration: 4.20 yrs (bottom quartile).
Average maturity: 6.78 yrs (bottom quartile).
Exit load: NIL.
Higher exposure to Corporate (bond sector) vs peer median.
Debt-heavy allocation (~97%).
High-quality debt (AAA/AA ~100%).
Largest holding 6.92% Govt Stock 2039 (~6.6%).

Below is the key information for HDFC Corporate Bond Fund

HDFC Corporate Bond Fund Growth
Launch Date	29 Jun 10
NAV (02 Sep 25)	₹32.7455 ↓ 0.00 (-0.01 %)
Net Assets (Cr)	₹35,968 on 31 Jul 25
Category	Debt - Corporate Bond
AMC	HDFC Asset Management Company Limited
Rating	☆☆☆☆☆
Risk	Moderately Low
Expense Ratio	0.6
Sharpe Ratio	1.46
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	300
Exit Load	NIL
Yield to Maturity	6.88%
Effective Maturity	6 Years 9 Months 11 Days
Modified Duration	4 Years 2 Months 12 Days

Growth of 10,000 investment over the years.

Date	Value
31 Aug 20	₹10,000
31 Aug 21	₹10,628
31 Aug 22	₹10,922
31 Aug 23	₹11,662
31 Aug 24	₹12,591
31 Aug 25	₹13,577

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 2 Sep 25

Duration	Returns
1 Month	-0.4%
3 Month	0.1%
6 Month	4.1%
1 Year	7.8%
3 Year	7.5%
5 Year	6.2%
10 Year
15 Year
Since launch	8.1%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	8.6%
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%

Fund Manager information for HDFC Corporate Bond Fund

Name	Since	Tenure
Anupam Joshi	27 Oct 15	9.85 Yr.
Dhruv Muchhal	22 Jun 23	2.2 Yr.

Data below for HDFC Corporate Bond Fund as on 31 Jul 25

Asset Allocation

Asset Class	Value
Cash	3.09%
Debt	96.64%
Other	0.28%

Debt Sector Allocation

Sector	Value
Corporate	58.29%
Government	38.35%
Cash Equivalent	3.09%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
6.92% Govt Stock 2039 Sovereign Bonds \| -	7%	₹2,376 Cr	235,000,000
Bajaj Finance Limited Debentures \| -	3%	₹1,126 Cr	112,500
7.81% Govt Stock 2033 Sovereign Bonds \| -	3%	₹925 Cr	89,000,000
6.68% Government Of India Sovereign Bonds \| -	3%	₹906 Cr	91,500,000 ↑ 14,000,000
State Bank Of India Debentures \| -	2%	₹805 Cr	800
HDFC Bank Limited Debentures \| -	1%	₹517 Cr	50,000
LIC Housing Finance Ltd Debentures \| -	1%	₹509 Cr	5,000
Small Industries Development Bank Of India Debentures \| -	1%	₹509 Cr	50,000
6.99% Govt Stock 2034 Sovereign Bonds \| -	1%	₹485 Cr	47,500,000
Rural Electrification Corporation Limited Debentures \| -	1%	₹472 Cr	4,500

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.

Research Highlights for HDFC Banking and PSU Debt Fund

Lower mid AUM (₹5,935 Cr).
Established history (11+ yrs).
Rating: 5★ (top quartile).
Risk profile: Moderately Low.
1Y return: 7.75% (lower mid).
1M return: -0.24% (bottom quartile).
Sharpe: 1.31 (lower mid).
Information ratio: 0.00 (top quartile).
Yield to maturity (debt): 6.78% (upper mid).
Modified duration: 3.52 yrs (lower mid).
Average maturity: 5.13 yrs (lower mid).
Exit load: NIL.
Top bond sector: Corporate.
Debt-heavy allocation (~95%).
High-quality debt (AAA/AA ~100%).
Largest holding Indian Railway Finance Corporation Limited (~4.7%).

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 (02 Sep 25)	₹23.1774 ↓ -0.01 (-0.02 %)
Net Assets (Cr)	₹5,935 on 31 Jul 25
Category	Debt - Banking & PSU Debt
AMC	HDFC Asset Management Company Limited
Rating	☆☆☆☆☆
Risk	Moderately Low
Expense Ratio	0.78
Sharpe Ratio	1.31
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	300
Exit Load	NIL
Yield to Maturity	6.78%
Effective Maturity	5 Years 1 Month 17 Days
Modified Duration	3 Years 6 Months 7 Days

Growth of 10,000 investment over the years.

Date	Value
31 Aug 20	₹10,000
31 Aug 21	₹10,570
31 Aug 22	₹10,862
31 Aug 23	₹11,559
31 Aug 24	₹12,425
31 Aug 25	₹13,391

HDFC Banking and PSU Debt 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 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 2 Sep 25

Duration	Returns
1 Month	-0.2%
3 Month	0.3%
6 Month	4.3%
1 Year	7.8%
3 Year	7.2%
5 Year	5.9%
10 Year
15 Year
Since launch	7.6%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	7.9%
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%

Fund Manager information for HDFC Banking and PSU Debt Fund

Name	Since	Tenure
Anil Bamboli	26 Mar 14	11.44 Yr.
Dhruv Muchhal	22 Jun 23	2.2 Yr.

Data below for HDFC Banking and PSU Debt Fund as on 31 Jul 25

Asset Allocation

Asset Class	Value
Cash	4.32%
Debt	95.39%
Other	0.29%

Debt Sector Allocation

Sector	Value
Corporate	53.62%
Government	41.77%
Cash Equivalent	4.32%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Indian Railway Finance Corporation Limited Debentures \| -	5%	₹281 Cr	27,500
Small Industries Development Bank Of India Debentures \| -	4%	₹226 Cr	22,500
Indian Railway Finance Corporation Limited Debentures \| -	3%	₹205 Cr	20,000
7.18% Govt Stock 2033 Sovereign Bonds \| -	3%	₹197 Cr	19,000,000
Bajaj Housing Finance Limited Debentures \| -	3%	₹153 Cr	15,000
Rec Limited Debentures \| -	3%	₹153 Cr	1,500
Housing And Urban Development Corporation Limited Debentures \| -	3%	₹152 Cr	15,000
7.26% Govt Stock 2033 Sovereign Bonds \| -	3%	₹151 Cr	14,500,000
State Bank Of India Debentures \| -	2%	₹146 Cr	145
Housing And Urban Development Corporation Limited Debentures \| -	2%	₹132 Cr	1,250

3. HDFC Credit Risk Debt Fund

(Erstwhile HDFC Corporate Debt Opportunities Fund)

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

Research Highlights for HDFC Credit Risk Debt Fund

Lower mid AUM (₹7,015 Cr).
Established history (11+ yrs).
Rating: 4★ (upper mid).
Risk profile: Moderate.
1Y return: 7.78% (upper mid).
1M return: 0.11% (upper mid).
Sharpe: 1.91 (upper mid).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 7.93% (top quartile).
Modified duration: 2.49 yrs (upper mid).
Average maturity: 3.86 yrs (upper mid).
Exit load: 0-12 Months (1%),12-18 Months (0.5%),18 Months and above(NIL).
Top sector: Financial Services.
Higher exposure to Corporate (bond sector) vs peer median.
Debt-heavy allocation (~87%).
High-quality debt (AAA/AA ~83%).
Largest holding The Sandur Manganese And Iron Ores Limited (~4.2%).

Below is the key information for HDFC Credit Risk Debt Fund

HDFC Credit Risk Debt Fund Growth
Launch Date	25 Mar 14
NAV (02 Sep 25)	₹24.286 ↑ 0.00 (0.02 %)
Net Assets (Cr)	₹7,015 on 31 Jul 25
Category	Debt - Credit Risk
AMC	HDFC Asset Management Company Limited
Rating	☆☆☆☆
Risk	Moderate
Expense Ratio	1.51
Sharpe Ratio	1.91
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	7.93%
Effective Maturity	3 Years 10 Months 10 Days
Modified Duration	2 Years 5 Months 26 Days

Growth of 10,000 investment over the years.

Date	Value
31 Aug 20	₹10,000
31 Aug 21	₹11,024
31 Aug 22	₹11,423
31 Aug 23	₹12,143
31 Aug 24	₹13,098
31 Aug 25	₹14,120

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 2 Sep 25

Duration	Returns
1 Month	0.1%
3 Month	1.1%
6 Month	4.3%
1 Year	7.8%
3 Year	7.3%
5 Year	7.1%
10 Year
15 Year
Since launch	8.1%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	8.2%
2023	6.6%
2022	3.7%
2021	7%
2020	10.9%
2019	8.6%
2018	5.4%
2017	6.6%
2016	11%
2015	9%

Fund Manager information for HDFC Credit Risk Debt Fund

Name	Since	Tenure
Shobhit Mehrotra	25 Mar 14	11.45 Yr.
Dhruv Muchhal	22 Jun 23	2.2 Yr.

Data below for HDFC Credit Risk Debt Fund as on 31 Jul 25

Asset Allocation

Asset Class	Value
Cash	9.3%
Equity	3.8%
Debt	86.56%
Other	0.34%

Debt Sector Allocation

Sector	Value
Corporate	75.46%
Government	11.1%
Cash Equivalent	9.3%

Credit Quality

Rating	Value
A	17.37%
AA	61.65%
AAA	20.98%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
The Sandur Manganese And Iron Ores Limited Debentures \| -	4%	₹292 Cr	30,000
TATA Projects Limited Debentures \| -	4%	₹254 Cr	25,000
The Tata Power Company Limited Debentures \| -	3%	₹232 Cr	2,190
Gmr Airports Limited^ Debentures \| -	3%	₹230 Cr	23,000 ↑ 23,000
Kalpataru Projects International Limited Debentures \| -	3%	₹202 Cr	20,000
Bamboo Hotel And Global Centre (Delhi) Private Limited Debentures \| -	3%	₹201 Cr	20,000
SK Finance Limited Debentures \| -	3%	₹200 Cr	20,000
Jubilant Beverages Limited Debentures \| -	3%	₹198 Cr	19,190
Jubilant Bevco Limited Debentures \| -	3%	₹185 Cr	17,750
Kalpataru Projects International Limited Debentures \| -	3%	₹181 Cr	18,000

4. HDFC Equity Savings Fund

The investment objective of the scheme is to provide capital appreciation and income distribution to the investors using arbitrage opportunities, investment in equity / equity related instruments and debt / money market instruments.

Research Highlights for HDFC Equity Savings Fund

Bottom quartile AUM (₹5,674 Cr).
Established history (20+ yrs).
Rating: 4★ (upper mid).
Risk profile: Moderately High.
5Y return: 11.94% (upper mid).
3Y return: 9.98% (upper mid).
1Y return: 2.66% (lower mid).
1M return: 0.44% (upper mid).
Alpha: 0.00 (upper mid).
Sharpe: -0.58 (bottom quartile).
Information ratio: 0.00 (upper mid).
Higher exposure to Financial Services vs peer median.
Higher exposure to Cash Equivalent (bond sector) vs peer median.
Conservative stance with elevated cash (~41%).
High-quality debt (AAA/AA ~100%).
Largest holding HDFC Bank Ltd (~9.2%).

Below is the key information for HDFC Equity Savings Fund

HDFC Equity Savings Fund Growth
Launch Date	17 Sep 04
NAV (02 Sep 25)	₹65.795
Net Assets (Cr)	₹5,674 on 31 Jul 25
Category	Hybrid - Equity Savings
AMC	HDFC Asset Management Company Limited
Rating	☆☆☆☆
Risk	Moderately High
Expense Ratio	1.9
Sharpe Ratio	-0.58
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	300
Exit Load	0-1 Years (1%),1 Years and above(NIL)

Growth of 10,000 investment over the years.

Date	Value
31 Aug 20	₹10,000
31 Aug 21	₹12,618
31 Aug 22	₹13,307
31 Aug 23	₹14,520
31 Aug 24	₹17,197
31 Aug 25	₹17,629

HDFC Equity Savings Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹405,518.
Net Profit of ₹105,518 Invest Now

Returns for HDFC Equity Savings Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 2 Sep 25

Duration	Returns
1 Month	0.4%
3 Month	0.6%
6 Month	6.6%
1 Year	2.7%
3 Year	10%
5 Year	11.9%
10 Year
15 Year
Since launch	9.4%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	10.3%
2023	13.8%
2022	6%
2021	16.8%
2020	8.8%
2019	5.8%
2018	0.9%
2017	16.5%
2016	14.1%
2015	2%

Fund Manager information for HDFC Equity Savings Fund

Name	Since	Tenure
Anil Bamboli	17 Sep 04	20.97 Yr.
Arun Agarwal	17 Sep 04	20.97 Yr.
Srinivasan Ramamurthy	14 Dec 21	3.72 Yr.
Dhruv Muchhal	22 Jun 23	2.2 Yr.
Nandita Menezes	29 Mar 25	0.43 Yr.

Data below for HDFC Equity Savings Fund as on 31 Jul 25

Asset Allocation

Asset Class	Value
Cash	40.97%
Equity	37.29%
Debt	21.74%

Equity Sector Allocation

Sector	Value
Financial Services	23.76%
Consumer Cyclical	8.47%
Energy	7.35%
Industrials	6.12%
Health Care	5.7%
Technology	5%
Basic Materials	3.31%
Consumer Defensive	2.96%
Utility	2.32%
Communication Services	2.05%
Real Estate	1.61%

Debt Sector Allocation

Sector	Value
Cash Equivalent	39.25%
Corporate	12.65%
Government	10.82%

Credit Quality

Rating	Value
AA	8.67%
AAA	91.33%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
HDFC Bank Ltd (Financial Services) Equity, Since 31 Mar 17 \| HDFCBANK	9%	₹523 Cr	2,593,450
ICICI Bank Ltd (Financial Services) Equity, Since 31 May 12 \| ICICIBANK	7%	₹411 Cr	2,771,900 ↑ 700,000
Future on HDFC Bank Ltd Derivatives \| -	6%	-₹334 Cr
Reliance Industries Ltd (Energy) Equity, Since 31 Dec 15 \| RELIANCE	6%	₹332 Cr	2,388,500
Future on ICICI Bank Ltd Derivatives \| -	4%	-₹232 Cr
Future on Reliance Industries Ltd Derivatives \| -	4%	-₹229 Cr
Sun Pharmaceuticals Industries Ltd (Healthcare) Equity, Since 30 Jun 16 \| SUNPHARMA	3%	₹182 Cr	1,068,350 ↑ 350,000
Infosys Ltd (Technology) Equity, Since 30 Nov 16 \| INFY	3%	₹170 Cr	1,129,600
Future on Titan Co Ltd Derivatives \| -	3%	-₹161 Cr
Titan Co Ltd (Consumer Cyclical) Equity, Since 31 Jul 17 \| TITAN	3%	₹160 Cr	479,325

5. HDFC Hybrid Debt Fund

(Erstwhile HDFC MF Monthly Income Plan - LTP)

The primary objective of Scheme is to generate regular returns through investment primarily in Debt and Money Market Instruments. The secondary objective of the Scheme is to generate long-term capital appreciation by investing a portion of the Scheme`s assets in equity and equity related instruments. However, there can be no assurance that the investment objective of the Scheme will be achieved.

Research Highlights for HDFC Hybrid Debt Fund

Bottom quartile AUM (₹3,388 Cr).
Established history (21+ yrs).
Rating: 4★ (upper mid).
Risk profile: Moderately High.
5Y return: 10.77% (upper mid).
3Y return: 9.87% (upper mid).
1Y return: 2.52% (bottom quartile).
1M return: -0.97% (bottom quartile).
Alpha: 0.00 (lower mid).
Sharpe: -0.43 (bottom quartile).
Information ratio: 0.00 (upper mid).
Top sector: Financial Services.
Higher exposure to Government (bond sector) vs peer median.
Debt-heavy allocation (~76%).
High-quality debt (AAA/AA ~98%).
Largest holding 7.34% Govt Stock 2064 (~4.2%).

Below is the key information for HDFC Hybrid Debt Fund

HDFC Hybrid Debt Fund Growth
Launch Date	26 Dec 03
NAV (02 Sep 25)	₹81.2131 ↑ 0.01 (0.01 %)
Net Assets (Cr)	₹3,388 on 31 Jul 25
Category	Hybrid - Hybrid Debt
AMC	HDFC Asset Management Company Limited
Rating	☆☆☆☆
Risk	Moderately High
Expense Ratio	1.76
Sharpe Ratio	-0.43
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	300
Exit Load	0-1 Years (1%),1 Years and above(NIL)

Growth of 10,000 investment over the years.

Date	Value
31 Aug 20	₹10,000
31 Aug 21	₹11,995
31 Aug 22	₹12,670
31 Aug 23	₹14,011
31 Aug 24	₹16,372
31 Aug 25	₹16,764

HDFC Hybrid Debt Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹395,578.
Net Profit of ₹95,578 Invest Now

Returns for HDFC Hybrid 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 2 Sep 25

Duration	Returns
1 Month	-1%
3 Month	-1.6%
6 Month	4.4%
1 Year	2.5%
3 Year	9.9%
5 Year	10.8%
10 Year
15 Year
Since launch	10.1%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	10.5%
2023	13.9%
2022	6%
2021	13.4%
2020	10.2%
2019	6.6%
2018	0.6%
2017	10.8%
2016	13%
2015	3.8%

Fund Manager information for HDFC Hybrid Debt Fund

Name	Since	Tenure
Shobhit Mehrotra	1 Sep 07	18.01 Yr.
Srinivasan Ramamurthy	14 Dec 21	3.72 Yr.
Dhruv Muchhal	22 Jun 23	2.2 Yr.

Data below for HDFC Hybrid Debt Fund as on 31 Jul 25

Asset Allocation

Asset Class	Value
Cash	3.12%
Equity	20.32%
Debt	76.28%
Other	0.28%

Equity Sector Allocation

Sector	Value
Financial Services	8.17%
Energy	2.12%
Technology	1.76%
Health Care	1.74%
Industrials	1.52%
Consumer Cyclical	1.35%
Utility	1.21%
Communication Services	0.98%
Consumer Defensive	0.73%
Real Estate	0.57%
Basic Materials	0.17%

Debt Sector Allocation

Sector	Value
Government	52.93%
Corporate	23.35%
Cash Equivalent	3.12%

Credit Quality

Rating	Value
A	1.68%
AA	7.46%
AAA	90.86%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
7.34% Govt Stock 2064 Sovereign Bonds \| -	4%	₹142 Cr	14,000,000 ↑ 2,500,000
7.09% Govt Stock 2054 Sovereign Bonds \| -	3%	₹114 Cr	11,500,000
7.23% Govt Stock 2039 Sovereign Bonds \| -	3%	₹104 Cr	10,000,000
7.3% Govt Stock 2053 Sovereign Bonds \| -	3%	₹86 Cr	8,500,000
Indian Railway Finance Corporation Limited Debentures \| -	2%	₹84 Cr	800
6.33% Goi 2035 Sovereign Bonds \| -	2%	₹77 Cr	7,739,400
7.18% Govt Stock 2037 Sovereign Bonds \| -	2%	₹72 Cr	7,000,000
6.79% Govt Stock 2034 Sovereign Bonds \| -	2%	₹71 Cr	7,000,000
ICICI Bank Ltd (Financial Services) Equity, Since 31 Oct 09 \| ICICIBANK	2%	₹71 Cr	500,000
HDFC Bank Ltd (Financial Services) Equity, Since 15 Dec 21 \| HDFCBANK	2%	₹70 Cr	350,000

6. HDFC Small Cap Fund

To provide long-term capital appreciation by investing predominantly in Small-Cap and Mid-Cap companies.

Research Highlights for HDFC Small Cap Fund

Upper mid AUM (₹36,353 Cr).
Established history (17+ yrs).
Rating: 4★ (lower mid).
Risk profile: Moderately High.
5Y return: 30.36% (top quartile).
3Y return: 23.40% (top quartile).
1Y return: 0.16% (bottom quartile).
Alpha: 0.00 (lower mid).
Sharpe: -0.17 (lower mid).
Information ratio: 0.00 (lower mid).
Higher exposure to Industrials vs peer median.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~91%).
Largest holding Firstsource Solutions Ltd (~5.1%).

Below is the key information for HDFC Small Cap Fund

HDFC Small Cap Fund Growth
Launch Date	3 Apr 08
NAV (02 Sep 25)	₹142.308 ↑ 1.23 (0.87 %)
Net Assets (Cr)	₹36,353 on 31 Jul 25
Category	Equity - Small Cap
AMC	HDFC Asset Management Company Limited
Rating	☆☆☆☆
Risk	Moderately High
Expense Ratio	1.58
Sharpe Ratio	-0.17
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	300
Exit Load	0-1 Years (1%),1 Years and above(NIL)

Growth of 10,000 investment over the years.

Date	Value
31 Aug 20	₹10,000
31 Aug 21	₹18,549
31 Aug 22	₹20,186
31 Aug 23	₹27,782
31 Aug 24	₹37,887
31 Aug 25	₹37,167

HDFC Small Cap Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹642,208.
Net Profit of ₹342,208 Invest Now

Returns for HDFC Small Cap Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 2 Sep 25

Duration	Returns
1 Month	1.9%
3 Month	5.2%
6 Month	25.1%
1 Year	0.2%
3 Year	23.4%
5 Year	30.4%
10 Year
15 Year
Since launch	16.5%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	20.4%
2023	44.8%
2022	4.6%
2021	64.9%
2020	20.2%
2019	-9.5%
2018	-8.1%
2017	60.8%
2016	5.4%
2015	6.4%

Fund Manager information for HDFC Small Cap Fund

Name	Since	Tenure
Chirag Setalvad	28 Jun 14	11.19 Yr.
Dhruv Muchhal	22 Jun 23	2.2 Yr.

Data below for HDFC Small Cap Fund as on 31 Jul 25

Equity Sector Allocation

Sector	Value
Industrials	23.59%
Consumer Cyclical	18.21%
Technology	13.07%
Health Care	12.61%
Financial Services	11.31%
Basic Materials	7.92%
Consumer Defensive	2.24%
Communication Services	1.75%
Utility	0.36%

Asset Allocation

Asset Class	Value
Cash	8.93%
Equity	91.07%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Firstsource Solutions Ltd (Technology) Equity, Since 31 Mar 18 \| FSL	5%	₹1,861 Cr	54,453,120
Aster DM Healthcare Ltd Ordinary Shares (Healthcare) Equity, Since 30 Jun 19 \| ASTERDM	4%	₹1,459 Cr	24,127,134 ↓ -267,359
eClerx Services Ltd (Technology) Equity, Since 31 Mar 18 \| ECLERX	4%	₹1,420 Cr	3,769,293
Gabriel India Ltd (Consumer Cyclical) Equity, Since 31 Oct 18 \| GABRIEL	3%	₹1,194 Cr	11,506,772 ↓ -600,000
Bank of Baroda (Financial Services) Equity, Since 31 Mar 19 \| 532134	3%	₹1,114 Cr	46,828,792
Eris Lifesciences Ltd Registered Shs (Healthcare) Equity, Since 31 Jul 23 \| ERIS	3%	₹1,086 Cr	6,035,882
Fortis Healthcare Ltd (Healthcare) Equity, Since 31 Jul 23 \| 532843	2%	₹864 Cr	10,073,132
Krishna Institute of Medical Sciences Ltd (Healthcare) Equity, Since 31 Jul 23 \| 543308	2%	₹836 Cr	11,127,166 ↓ -314,939
Sudarshan Chemical Industries Ltd (Basic Materials) Equity, Since 29 Feb 24 \| SUDARSCHEM	2%	₹823 Cr	5,734,275
Power Mech Projects Ltd (Industrials) Equity, Since 31 Aug 15 \| POWERMECH	2%	₹748 Cr	2,392,936 ↓ -77,000

7. HDFC Balanced Advantage Fund

(Erstwhile HDFC Growth Fund and HDFC Prudence Fund)

Aims to generate long term capital appreciation from a portfolio that is invested predominantly in equity and equity related instruments.

Research Highlights for HDFC Balanced Advantage Fund

Highest AUM (₹101,773 Cr).
Established history (24+ yrs).
Rating: 4★ (lower mid).
Risk profile: Moderately High.
5Y return: 22.35% (top quartile).
3Y return: 18.26% (upper mid).
1Y return: -0.27% (bottom quartile).
1M return: -0.06% (lower mid).
Alpha: 0.00 (bottom quartile).
Sharpe: -0.60 (bottom quartile).
Information ratio: 0.00 (lower mid).
Higher exposure to Financial Services vs peer median.
Top bond sector: Government.
High-quality debt (AAA/AA ~98%).
Largest holding HDFC Bank Ltd (~5.5%).

Below is the key information for HDFC Balanced Advantage Fund

HDFC Balanced Advantage Fund Growth
Launch Date	11 Sep 00
NAV (02 Sep 25)	₹511.108 ↑ 0.33 (0.06 %)
Net Assets (Cr)	₹101,773 on 31 Jul 25
Category	Hybrid - Dynamic Allocation
AMC	HDFC Asset Management Company Limited
Rating	☆☆☆☆
Risk	Moderately High
Expense Ratio	1.36
Sharpe Ratio	-0.6
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	300
Exit Load	0-1 Years (1%),1 Years and above(NIL)

Growth of 10,000 investment over the years.

Date	Value
31 Aug 20	₹10,000
31 Aug 21	₹14,397
31 Aug 22	₹16,819
31 Aug 23	₹20,099
31 Aug 24	₹27,811
31 Aug 25	₹27,562

HDFC Balanced Advantage Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹530,691.
Net Profit of ₹230,691 Invest Now

Returns for HDFC Balanced Advantage Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 2 Sep 25

Duration	Returns
1 Month	-0.1%
3 Month	-0.7%
6 Month	9.3%
1 Year	-0.3%
3 Year	18.3%
5 Year	22.4%
10 Year
15 Year
Since launch	18.1%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	16.7%
2023	31.3%
2022	18.8%
2021	26.4%
2020	7.6%
2019	6.9%
2018	-3.1%
2017	27.9%
2016	9.4%
2015	0.3%

Fund Manager information for HDFC Balanced Advantage Fund

Name	Since	Tenure
Anil Bamboli	29 Jul 22	3.1 Yr.
Gopal Agrawal	29 Jul 22	3.1 Yr.
Arun Agarwal	6 Oct 22	2.91 Yr.
Srinivasan Ramamurthy	29 Jul 22	3.1 Yr.
Dhruv Muchhal	22 Jun 23	2.2 Yr.
Nandita Menezes	29 Mar 25	0.43 Yr.

Data below for HDFC Balanced Advantage Fund as on 31 Jul 25

Asset Allocation

Asset Class	Value
Cash	10.98%
Equity	61.75%
Debt	27.26%

Equity Sector Allocation

Sector	Value
Financial Services	21.59%
Industrials	8.06%
Energy	6.92%
Consumer Cyclical	6.36%
Technology	5.83%
Utility	4.21%
Health Care	4.2%
Communication Services	3.53%
Consumer Defensive	2.72%
Basic Materials	2.04%
Real Estate	1.5%

Debt Sector Allocation

Sector	Value
Government	13.46%
Corporate	13.38%
Cash Equivalent	11.41%

Credit Quality

Rating	Value
AA	0.91%
AAA	97.56%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
HDFC Bank Ltd (Financial Services) Equity, Since 31 Mar 22 \| HDFCBANK	6%	₹5,632 Cr	27,904,351
ICICI Bank Ltd (Financial Services) Equity, Since 31 Oct 09 \| ICICIBANK	4%	₹4,103 Cr	27,699,224
Reliance Industries Ltd (Energy) Equity, Since 31 Dec 21 \| RELIANCE	3%	₹3,276 Cr	23,565,288 ↓ -1,099,000
Bharti Airtel Ltd (Communication Services) Equity, Since 31 Aug 20 \| BHARTIARTL	3%	₹3,207 Cr	16,754,354 ↑ 475,000
State Bank of India (Financial Services) Equity, Since 31 May 07 \| SBIN	3%	₹2,788 Cr	35,000,000
Infosys Ltd (Technology) Equity, Since 31 Oct 09 \| INFY	3%	₹2,779 Cr	18,414,203
Larsen & Toubro Ltd (Industrials) Equity, Since 30 Jun 12 \| LT	2%	₹2,392 Cr	6,579,083
7.18% Govt Stock 2033 Sovereign Bonds \| -	2%	₹2,391 Cr	228,533,300
NTPC Ltd (Utilities) Equity, Since 31 Aug 16 \| 532555	2%	₹2,292 Cr	68,585,915 ↓ -810,000
Axis Bank Ltd (Financial Services) Equity, Since 31 Aug 17 \| 532215	2%	₹2,118 Cr	19,827,457

8. HDFC Long Term Advantage Fund

To generate long term capital appreciation from a portfolio that is predominantly in equity and equity related instruments

Research Highlights for HDFC Long Term Advantage Fund

Bottom quartile AUM (₹1,318 Cr).
Established history (24+ yrs).
Rating: 3★ (bottom quartile).
Risk profile: Moderately High.
5Y return: 17.39% (upper mid).
3Y return: 20.64% (top quartile).
1Y return: 35.51% (top quartile).
Alpha: 1.75 (top quartile).
Sharpe: 2.27 (top quartile).
Information ratio: -0.15 (bottom quartile).

Below is the key information for HDFC Long Term Advantage Fund

HDFC Long Term Advantage Fund Growth
Launch Date	2 Jan 01
NAV (14 Jan 22)	₹595.168 ↑ 0.28 (0.05 %)
Net Assets (Cr)	₹1,318 on 30 Nov 21
Category	Equity - ELSS
AMC	HDFC Asset Management Company Limited
Rating	☆☆☆
Risk	Moderately High
Expense Ratio	2.25
Sharpe Ratio	2.27
Information Ratio	-0.15
Alpha Ratio	1.75
Min Investment	500
Min SIP Investment	500
Exit Load	NIL

Growth of 10,000 investment over the years.

Date	Value
31 Aug 20	₹10,000
31 Aug 21	₹15,833

HDFC Long Term Advantage Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹470,047.
Net Profit of ₹170,047 Invest Now

Purchase not allowed

Returns for HDFC Long Term Advantage Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 2 Sep 25

Duration	Returns
1 Month	4.4%
3 Month	1.2%
6 Month	15.4%
1 Year	35.5%
3 Year	20.6%
5 Year	17.4%
10 Year
15 Year
Since launch	21.4%

Historical performance (Yearly) on absolute basis

Year	Returns
2024
2023
2022
2021
2020
2019
2018
2017
2016
2015

Fund Manager information for HDFC Long Term Advantage Fund

Name	Since	Tenure

Data below for HDFC Long Term Advantage Fund as on 30 Nov 21

Equity Sector Allocation

Sector	Value

Asset Allocation

Asset Class	Value

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity

9. 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.

Research Highlights for HDFC Short Term Debt Fund

Upper mid AUM (₹18,143 Cr).
Established history (15+ yrs).
Rating: 3★ (bottom quartile).
Risk profile: Moderately Low.
1Y return: 8.21% (top quartile).
1M return: 0.00% (lower mid).
Sharpe: 2.01 (upper mid).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 6.80% (upper mid).
Modified duration: 2.36 yrs (upper mid).
Average maturity: 3.57 yrs (upper mid).
Exit load: NIL.
Higher exposure to Corporate (bond sector) vs peer median.
Debt-heavy allocation (~88%).
High-quality debt (AAA/AA ~100%).
Largest holding 7.18% Govt Stock 2033 (~4.7%).

Below is the key information for HDFC Short Term Debt Fund

HDFC Short Term Debt Fund Growth
Launch Date	25 Jun 10
NAV (02 Sep 25)	₹32.3387 ↓ 0.00 (0.00 %)
Net Assets (Cr)	₹18,143 on 31 Jul 25
Category	Debt - Short term Bond
AMC	HDFC Asset Management Company Limited
Rating	☆☆☆
Risk	Moderately Low
Expense Ratio	0.69
Sharpe Ratio	2.01
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	300
Exit Load	NIL
Yield to Maturity	6.8%
Effective Maturity	3 Years 6 Months 25 Days
Modified Duration	2 Years 4 Months 10 Days

Growth of 10,000 investment over the years.

Date	Value
31 Aug 20	₹10,000
31 Aug 21	₹10,600
31 Aug 22	₹10,900
31 Aug 23	₹11,630
31 Aug 24	₹12,550
31 Aug 25	₹13,583

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 2 Sep 25

Duration	Returns
1 Month
3 Month	0.8%
6 Month	4.5%
1 Year	8.2%
3 Year	7.6%
5 Year	6.2%
10 Year
15 Year
Since launch	8%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	8.3%
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%

Fund Manager information for HDFC Short Term Debt Fund

Name	Since	Tenure
Anil Bamboli	25 Jun 10	15.2 Yr.
Dhruv Muchhal	22 Jun 23	2.2 Yr.

Data below for HDFC Short Term Debt Fund as on 31 Jul 25

Asset Allocation

Asset Class	Value
Cash	11.3%
Debt	88.44%
Other	0.26%

Debt Sector Allocation

Sector	Value
Corporate	64.34%
Government	29.44%
Cash Equivalent	5.96%

Credit Quality

Rating	Value
AA	11.55%
AAA	88.45%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
7.18% Govt Stock 2033 Sovereign Bonds \| -	5%	₹857 Cr	82,500,000
Aditya Birla Renewables Limited Debentures \| -	2%	₹441 Cr	43,500
7.11% Govt Stock 2028 Sovereign Bonds \| -	2%	₹420 Cr	41,500,000
Jubilant Beverages Limited Debentures \| -	2%	₹398 Cr	38,500
7.26% Govt Stock 2032 Sovereign Bonds \| -	2%	₹361 Cr	34,500,000
Jamnagar Utilities & Power Private Limited Debentures \| -	2%	₹333 Cr	32,500
National Bank For Agriculture And Rural Development Debentures \| -	1%	₹257 Cr	25,000
Bajaj Housing Finance Limited Debentures \| -	1%	₹255 Cr	25,000
Pipeline Infrastructure Limited Debentures \| -	1%	₹254 Cr	24,500
TATA Communications Limited Debentures \| -	1%	₹250 Cr	25,000 ↑ 25,000

10. HDFC Money Market Fund

(Erstwhile HDFC Cash Management Fund - Savings Plan)

To generate optimal returns while maintaining safety and high liquidity.

Research Highlights for HDFC Money Market Fund

Top quartile AUM (₹36,814 Cr).
Oldest track record among peers (25 yrs).
Rating: 3★ (bottom quartile).
Risk profile: Low.
1Y return: 7.83% (upper mid).
1M return: 0.45% (upper mid).
Sharpe: 3.01 (top quartile).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 6.19% (bottom quartile).
Modified duration: 0.52 yrs (upper mid).
Average maturity: 0.55 yrs (upper mid).
Exit load: NIL.
Top bond sector: Corporate.
Conservative stance with elevated cash (~84%).
High-quality debt (AAA/AA ~100%).
Largest holding Punjab National Bank (~1.6%).

Below is the key information for HDFC Money Market Fund

HDFC Money Market Fund Growth
Launch Date	18 Nov 99
NAV (02 Sep 25)	₹5,789.37 ↑ 0.38 (0.01 %)
Net Assets (Cr)	₹36,814 on 31 Jul 25
Category	Debt - Money Market
AMC	HDFC Asset Management Company Limited
Rating	☆☆☆
Risk	Low
Expense Ratio	0.4
Sharpe Ratio	3.01
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	300
Exit Load	NIL
Yield to Maturity	6.19%
Effective Maturity	6 Months 19 Days
Modified Duration	6 Months 7 Days

Growth of 10,000 investment over the years.

Date	Value
31 Aug 20	₹10,000
31 Aug 21	₹10,395
31 Aug 22	₹10,797
31 Aug 23	₹11,552
31 Aug 24	₹12,417
31 Aug 25	₹13,389

HDFC Money Market 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 Money Market Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 2 Sep 25

Duration	Returns
1 Month	0.4%
3 Month	1.6%
6 Month	4.1%
1 Year	7.8%
3 Year	7.4%
5 Year	6%
10 Year
15 Year
Since launch	7%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	7.7%
2023	7.3%
2022	4.7%
2021	3.8%
2020	6.5%
2019	8.1%
2018	7.4%
2017	6.5%
2016	7.5%
2015	8.3%

Fund Manager information for HDFC Money Market Fund

Name	Since	Tenure
Praveen Jain	30 Aug 24	1.01 Yr.
Dhruv Muchhal	22 Jun 23	2.2 Yr.

Data below for HDFC Money Market Fund as on 31 Jul 25

Asset Allocation

Asset Class	Value
Cash	83.84%
Debt	15.91%
Other	0.24%

Debt Sector Allocation

Sector	Value
Corporate	46.54%
Cash Equivalent	30.97%
Government	22.25%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Punjab National Bank Domestic Bonds \| -	2%	₹579 Cr	12,000
364 Days Tbill (Md 05/03/2026) Sovereign Bonds \| -	1%	₹485 Cr	50,000,000
07.35 GJ Sdl 2026 Sovereign Bonds \| -	1%	₹485 Cr	48,000,000
IDFC First Bank Ltd. Debentures \| -	1%	₹475 Cr	10,000
364 Days Tbill Red 12-03-2026 Sovereign Bonds \| -	1%	₹339 Cr	35,000,000
364 DTB 12022026 Sovereign Bonds \| -	1%	₹292 Cr	30,000,000
364 Days Tbill Mat 200226 Sovereign Bonds \| -	1%	₹292 Cr	30,000,000
364 Days Tbill Red 05-02-2026 Sovereign Bonds \| -	1%	₹244 Cr	25,000,000
08.36 MH Sdl 2026 Sovereign Bonds \| -	1%	₹202 Cr	20,000,000
6.99% Govt Stock 2026 Sovereign Bonds \| -	1%	₹202 Cr	20,000,000

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