HDFC ਮਿਉਚੁਅਲ ਫੰਡ 2022 ਦੁਆਰਾ 8 ਸਭ ਤੋਂ ਵਧੀਆ ਕਰਜ਼ਾ ਫੰਡ

Updated on November 24, 2025 , 35844 views

ਦੁਆਰਾ ਪੇਸ਼ ਕਰਜ਼ੇ ਫੰਡhdfc mf ਇੱਕ ਬਣਾਉਣ ਦਾ ਇਰਾਦਾਆਮਦਨ ਨਿਵੇਸ਼ਕਾਂ ਲਈ, ਅਤੇ ਇਹ ਇਤਿਹਾਸਕ ਤੌਰ 'ਤੇ HDFC ਰਿਣ ਫੰਡਾਂ ਦੀਆਂ ਚੋਟੀ ਦੀਆਂ ਕਾਰਗੁਜ਼ਾਰੀ ਵਾਲੀਆਂ ਸਕੀਮਾਂ ਦੁਆਰਾ ਦੇਖਿਆ ਜਾਂਦਾ ਹੈ।

ਐੱਚ.ਡੀ.ਐੱਫ.ਸੀਕਰਜ਼ਾ ਫੰਡ ਇੱਕ ਨਵੀਨਤਾਕਾਰੀ ਯੋਜਨਾ ਹੈ ਜੋ ਕਰਜ਼ਿਆਂ ਵਿੱਚ ਨਿਵੇਸ਼ ਕਰਦੀ ਹੈ, ਲੰਬੀ ਮਿਆਦ ਜਾਂ ਥੋੜ੍ਹੇ ਸਮੇਂ ਲਈਬਾਂਡ, ਮਨੀ ਬਜ਼ਾਰ, ਆਦਿ। ਕਰਜ਼ਾ ਫੰਡ ਘੱਟ ਵਾਲੇ ਨਿਵੇਸ਼ਕਾਂ ਲਈ ਢੁਕਵੇਂ ਹਨਜੋਖਮ ਦੀ ਭੁੱਖ ਜੋ ਥੋੜ੍ਹੇ ਸਮੇਂ ਲਈ ਆਪਣੀ ਵਾਧੂ ਨਕਦੀ ਪਾਰਕ ਕਰਨਾ ਚਾਹੁੰਦੇ ਹਨ। ਹਾਲਾਂਕਿ ਉਹ ਘੱਟ ਜੋਖਮ ਵਾਲੇ ਨਿਵੇਸ਼ ਹਨ ਉਹ ਕ੍ਰੈਡਿਟ ਜੋਖਮ ਦੇ ਅਧੀਨ ਹਨ।

HDFC ਮਿਉਚੁਅਲ ਫੰਡ ਸਕੀਮ ਦੀ ਚੋਣ ਕਿਉਂ ਕਰੀਏ?

a ਘੱਟੋ-ਘੱਟ ਨਿਵੇਸ਼ ਦੀ ਰਕਮ

ਇੱਕਨਿਵੇਸ਼ਕ ਏ ਰਾਹੀਂ INR 500 ਤੋਂ ਘੱਟ ਰਕਮ ਨਾਲ ਕਰਜ਼ੇ ਦੀਆਂ ਸਕੀਮਾਂ ਵਿੱਚ ਨਿਵੇਸ਼ ਕਰ ਸਕਦੇ ਹਨSIP ਅਤੇ INR 5,000 ਇੱਕਮੁਸ਼ਤ ਰਕਮ ਨਿਵੇਸ਼ ਦੁਆਰਾ

ਬੀ. ਸ਼ਾਨਦਾਰ ਰੇਟਿੰਗਾਂ

ਦੇ ਬਹੁਤ ਸਾਰੇਏ.ਐਮ.ਸੀ ਸਕੀਮਾਂ ਦੀ CRISIL ਰੇਟਿੰਗ ਤਿੰਨ ਅਤੇ ਇਸ ਤੋਂ ਵੱਧ ਹੈ

c. ਵਿਕਲਪਾਂ ਦੀ ਵਿਭਿੰਨਤਾ

ਨਿਵੇਸ਼ HDFC ਰਿਣ ਫੰਡ ਵਿੱਚ ਇੱਕ ਵਿਆਪਕ ਦੇ ਨਾਲ ਆਉਂਦਾ ਹੈਰੇਂਜ ਸ਼੍ਰੇਣੀ ਦੇ, ਇਸ ਲਈ ਨਿਵੇਸ਼ਕ ਆਪਣੀ ਛੋਟੀ ਮਿਆਦ, ਮੱਧ-ਮਿਆਦ ਅਤੇ ਇੱਥੋਂ ਤੱਕ ਕਿ ਲੰਬੇ ਸਮੇਂ ਦੀ ਯੋਜਨਾ ਬਣਾ ਸਕਦੇ ਹਨਨਿਵੇਸ਼ ਯੋਜਨਾ ਇਹਨਾਂ ਰਿਣ ਫੰਡਾਂ ਦੀ ਚੋਣ ਕਰਕੇ

ਨਿਵੇਸ਼ਕ HDFC ਵਿੱਚ ਨਿਵੇਸ਼ ਕਰਨ ਦੀ ਯੋਜਨਾ ਬਣਾ ਰਹੇ ਹਨਵਧੀਆ ਕਰਜ਼ਾ ਫੰਡ, HDFC ਫੰਡ ਹਾਊਸ ਦੇ ਹੇਠਾਂ-ਸੂਚੀਬੱਧ ਚੋਟੀ ਦੇ ਪ੍ਰਦਰਸ਼ਨਕਾਰਾਂ ਵਿੱਚੋਂ ਚੁਣ ਸਕਦੇ ਹਨ।

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ਵਧੀਆ HDFC ਕਰਜ਼ਾ ਮਿਉਚੁਅਲ ਫੰਡ ਵਿੱਤੀ ਸਾਲ 22 - 23

Fund	NAV	Net Assets (Cr)	3 MO (%)	6 MO (%)	1 YR (%)	3 YR (%)	2024 (%)	Debt Yield (YTM)	Mod. Duration	Eff. Maturity
HDFC Corporate Bond Fund Growth	₹33.4119 ↓ 0.00	₹36,134	2.1	2.2	8	7.9	8.6	6.97%	4Y 3M 7D	7Y 29D
HDFC Banking and PSU Debt Fund Growth	₹23.6336 ↑ 0.00	₹5,901	2.1	2.3	8.1	7.5	7.9	6.85%	3Y 2M 19D	4Y 7M 10D
HDFC Gilt Fund Growth	₹55.7914 ↓ -0.04	₹2,945	2.3	-0.7	6	7.1	8.7	7.05%	8Y 7D	19Y 4M 17D
HDFC Credit Risk Debt Fund Growth	₹24.7932 ↓ 0.00	₹7,029	2.2	3.3	8.2	7.7	8.2	8.02%	2Y 4M 17D	3Y 8M 23D
HDFC Dynamic Debt Fund Growth	₹90.09 ↓ -0.06	₹775	2.2	-0.6	5.2	6.7	8.5	7.05%	7Y 4M 20D	19Y 8M 5D
HDFC Medium Term Debt Fund Growth	₹57.8427 ↓ -0.01	₹3,895	2.3	2.5	8.1	7.6	8.1	7.6%	3Y 4M 20D	5Y 5M 19D
HDFC Income Fund Growth	₹58.8235 ↓ -0.04	₹915	2	-0.1	6.3	6.9	9	6.88%	6Y 7M 20D	12Y 5M 16D
HDFC Short Term Debt Fund Growth	₹32.9538 ↑ 0.00	₹17,947	2	2.8	8.3	7.9	8.3	6.98%	2Y 3M 14D	3Y 5M 8D
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 27 Nov 25

Research Highlights & Commentary of 8 Funds showcased

Commentary	HDFC Corporate Bond Fund	HDFC Banking and PSU Debt Fund	HDFC Gilt Fund	HDFC Credit Risk Debt Fund	HDFC Dynamic Debt Fund	HDFC Medium Term Debt Fund	HDFC Income Fund	HDFC Short Term Debt Fund
Point 1	Highest AUM (₹36,134 Cr).	Upper mid AUM (₹5,901 Cr).	Lower mid AUM (₹2,945 Cr).	Upper mid AUM (₹7,029 Cr).	Bottom quartile AUM (₹775 Cr).	Lower mid AUM (₹3,895 Cr).	Bottom quartile AUM (₹915 Cr).	Top quartile AUM (₹17,947 Cr).
Point 2	Established history (15+ yrs).	Established history (11+ yrs).	Established history (24+ yrs).	Established history (11+ yrs).	Oldest track record among peers (28 yrs).	Established history (23+ yrs).	Established history (25+ yrs).	Established history (15+ yrs).
Point 3	Top rated.	Rating: 5★ (top quartile).	Rating: 3★ (upper mid).	Rating: 4★ (upper mid).	Rating: 3★ (lower mid).	Rating: 3★ (lower mid).	Rating: 2★ (bottom quartile).	Rating: 3★ (bottom quartile).
Point 4	Risk profile: Moderately Low.	Risk profile: Moderately Low.	Risk profile: Moderate.	Risk profile: Moderate.	Risk profile: Moderate.	Risk profile: Moderate.	Risk profile: Moderate.	Risk profile: Moderately Low.
Point 5	1Y return: 7.98% (lower mid).	1Y return: 8.06% (upper mid).	1Y return: 5.96% (bottom quartile).	1Y return: 8.24% (top quartile).	1Y return: 5.21% (bottom quartile).	1Y return: 8.09% (upper mid).	1Y return: 6.32% (lower mid).	1Y return: 8.32% (top quartile).
Point 6	1M return: 0.59% (lower mid).	1M return: 0.62% (upper mid).	1M return: 0.00% (bottom quartile).	1M return: 0.62% (upper mid).	1M return: -0.05% (bottom quartile).	1M return: 0.67% (top quartile).	1M return: 0.38% (lower mid).	1M return: 0.65% (top quartile).
Point 7	Sharpe: 0.78 (lower mid).	Sharpe: 0.87 (upper mid).	Sharpe: -0.11 (lower mid).	Sharpe: 1.32 (top quartile).	Sharpe: -0.31 (bottom quartile).	Sharpe: 0.79 (upper mid).	Sharpe: -0.13 (bottom quartile).	Sharpe: 1.44 (top quartile).
Point 8	Information ratio: 0.00 (top quartile).	Information ratio: 0.00 (top quartile).	Information ratio: 0.00 (upper mid).	Information ratio: 0.00 (upper mid).	Information ratio: 0.00 (lower mid).	Information ratio: 0.00 (lower mid).	Information ratio: 0.00 (bottom quartile).	Information ratio: 0.00 (bottom quartile).
Point 9	Yield to maturity (debt): 6.97% (lower mid).	Yield to maturity (debt): 6.85% (bottom quartile).	Yield to maturity (debt): 7.05% (upper mid).	Yield to maturity (debt): 8.02% (top quartile).	Yield to maturity (debt): 7.05% (upper mid).	Yield to maturity (debt): 7.60% (top quartile).	Yield to maturity (debt): 6.88% (bottom quartile).	Yield to maturity (debt): 6.98% (lower mid).
Point 10	Modified duration: 4.27 yrs (lower mid).	Modified duration: 3.22 yrs (upper mid).	Modified duration: 8.02 yrs (bottom quartile).	Modified duration: 2.38 yrs (top quartile).	Modified duration: 7.39 yrs (bottom quartile).	Modified duration: 3.39 yrs (upper mid).	Modified duration: 6.64 yrs (lower mid).	Modified duration: 2.29 yrs (top quartile).

HDFC Corporate Bond Fund

Highest AUM (₹36,134 Cr).
Established history (15+ yrs).
Top rated.
Risk profile: Moderately Low.
1Y return: 7.98% (lower mid).
1M return: 0.59% (lower mid).
Sharpe: 0.78 (lower mid).
Information ratio: 0.00 (top quartile).
Yield to maturity (debt): 6.97% (lower mid).
Modified duration: 4.27 yrs (lower mid).

HDFC Banking and PSU Debt Fund

Upper mid AUM (₹5,901 Cr).
Established history (11+ yrs).
Rating: 5★ (top quartile).
Risk profile: Moderately Low.
1Y return: 8.06% (upper mid).
1M return: 0.62% (upper mid).
Sharpe: 0.87 (upper mid).
Information ratio: 0.00 (top quartile).
Yield to maturity (debt): 6.85% (bottom quartile).
Modified duration: 3.22 yrs (upper mid).

HDFC Gilt Fund

Lower mid AUM (₹2,945 Cr).
Established history (24+ yrs).
Rating: 3★ (upper mid).
Risk profile: Moderate.
1Y return: 5.96% (bottom quartile).
1M return: 0.00% (bottom quartile).
Sharpe: -0.11 (lower mid).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 7.05% (upper mid).
Modified duration: 8.02 yrs (bottom quartile).

HDFC Credit Risk Debt Fund

Upper mid AUM (₹7,029 Cr).
Established history (11+ yrs).
Rating: 4★ (upper mid).
Risk profile: Moderate.
1Y return: 8.24% (top quartile).
1M return: 0.62% (upper mid).
Sharpe: 1.32 (top quartile).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 8.02% (top quartile).
Modified duration: 2.38 yrs (top quartile).

HDFC Dynamic Debt Fund

Bottom quartile AUM (₹775 Cr).
Oldest track record among peers (28 yrs).
Rating: 3★ (lower mid).
Risk profile: Moderate.
1Y return: 5.21% (bottom quartile).
1M return: -0.05% (bottom quartile).
Sharpe: -0.31 (bottom quartile).
Information ratio: 0.00 (lower mid).
Yield to maturity (debt): 7.05% (upper mid).
Modified duration: 7.39 yrs (bottom quartile).

HDFC Medium Term Debt Fund

Lower mid AUM (₹3,895 Cr).
Established history (23+ yrs).
Rating: 3★ (lower mid).
Risk profile: Moderate.
1Y return: 8.09% (upper mid).
1M return: 0.67% (top quartile).
Sharpe: 0.79 (upper mid).
Information ratio: 0.00 (lower mid).
Yield to maturity (debt): 7.60% (top quartile).
Modified duration: 3.39 yrs (upper mid).

HDFC Income Fund

Bottom quartile AUM (₹915 Cr).
Established history (25+ yrs).
Rating: 2★ (bottom quartile).
Risk profile: Moderate.
1Y return: 6.32% (lower mid).
1M return: 0.38% (lower mid).
Sharpe: -0.13 (bottom quartile).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 6.88% (bottom quartile).
Modified duration: 6.64 yrs (lower mid).

HDFC Short Term Debt Fund

Top quartile AUM (₹17,947 Cr).
Established history (15+ yrs).
Rating: 3★ (bottom quartile).
Risk profile: Moderately Low.
1Y return: 8.32% (top quartile).
1M return: 0.65% (top quartile).
Sharpe: 1.44 (top quartile).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 6.98% (lower mid).
Modified duration: 2.29 yrs (top quartile).

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

Highest AUM (₹36,134 Cr).
Established history (15+ yrs).
Top rated.
Risk profile: Moderately Low.
1Y return: 7.98% (lower mid).
1M return: 0.59% (lower mid).
Sharpe: 0.78 (lower mid).
Information ratio: 0.00 (top quartile).
Yield to maturity (debt): 6.97% (lower mid).
Modified duration: 4.27 yrs (lower mid).
Average maturity: 7.08 yrs (lower mid).
Exit load: NIL.

Below is the key information for HDFC Corporate Bond Fund

HDFC Corporate Bond Fund Growth
Launch Date	29 Jun 10
NAV (27 Nov 25)	₹33.4119 ↓ 0.00 (0.00 %)
Net Assets (Cr)	₹36,134 on 31 Oct 25
Category	Debt - Corporate Bond
AMC	HDFC Asset Management Company Limited
Rating	☆☆☆☆☆
Risk	Moderately Low
Expense Ratio	0.6
Sharpe Ratio	0.78
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	300
Exit Load	NIL
Yield to Maturity	6.97%
Effective Maturity	7 Years 29 Days
Modified Duration	4 Years 3 Months 7 Days

Growth of 10,000 investment over the years.

Date	Value

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 27 Nov 25

Duration	Returns
1 Month	0.6%
3 Month	2.1%
6 Month	2.2%
1 Year	8%
3 Year	7.9%
5 Year	6.1%
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

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

Asset Allocation

Asset Class	Value

Debt Sector Allocation

Sector	Value

Credit Quality

Rating	Value

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity

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

Upper mid AUM (₹5,901 Cr).
Established history (11+ yrs).
Rating: 5★ (top quartile).
Risk profile: Moderately Low.
1Y return: 8.06% (upper mid).
1M return: 0.62% (upper mid).
Sharpe: 0.87 (upper mid).
Information ratio: 0.00 (top quartile).
Yield to maturity (debt): 6.85% (bottom quartile).
Modified duration: 3.22 yrs (upper mid).
Average maturity: 4.61 yrs (upper mid).
Exit load: NIL.

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 (27 Nov 25)	₹23.6336 ↑ 0.00 (0.01 %)
Net Assets (Cr)	₹5,901 on 31 Oct 25
Category	Debt - Banking & PSU Debt
AMC	HDFC Asset Management Company Limited
Rating	☆☆☆☆☆
Risk	Moderately Low
Expense Ratio	0.78
Sharpe Ratio	0.87
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	300
Exit Load	NIL
Yield to Maturity	6.85%
Effective Maturity	4 Years 7 Months 10 Days
Modified Duration	3 Years 2 Months 19 Days

Growth of 10,000 investment over the years.

Date	Value

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 27 Nov 25

Duration	Returns
1 Month	0.6%
3 Month	2.1%
6 Month	2.3%
1 Year	8.1%
3 Year	7.5%
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

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

Asset Allocation

Asset Class	Value

Debt Sector Allocation

Sector	Value

Credit Quality

Rating	Value

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity

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.

Research Highlights for HDFC Gilt Fund

Lower mid AUM (₹2,945 Cr).
Established history (24+ yrs).
Rating: 3★ (upper mid).
Risk profile: Moderate.
1Y return: 5.96% (bottom quartile).
1M return: 0.00% (bottom quartile).
Sharpe: -0.11 (lower mid).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 7.05% (upper mid).
Modified duration: 8.02 yrs (bottom quartile).
Average maturity: 19.38 yrs (bottom quartile).
Exit load: NIL.

Below is the key information for HDFC Gilt Fund

HDFC Gilt Fund Growth
Launch Date	25 Jul 01
NAV (27 Nov 25)	₹55.7914 ↓ -0.04 (-0.07 %)
Net Assets (Cr)	₹2,945 on 31 Oct 25
Category	Debt - Government Bond
AMC	HDFC Asset Management Company Limited
Rating	☆☆☆
Risk	Moderate
Expense Ratio	0.88
Sharpe Ratio	-0.12
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	300
Exit Load	NIL
Yield to Maturity	7.05%
Effective Maturity	19 Years 4 Months 17 Days
Modified Duration	8 Years 7 Days

Growth of 10,000 investment over the years.

Date	Value

HDFC Gilt 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 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 27 Nov 25

Duration	Returns
1 Month
3 Month	2.3%
6 Month	-0.7%
1 Year	6%
3 Year	7.1%
5 Year	5%
10 Year
15 Year
Since launch	7.3%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	8.7%
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%

Fund Manager information for HDFC Gilt Fund

Name	Since	Tenure

Data below for HDFC Gilt Fund as on 31 Oct 25

Asset Allocation

Asset Class	Value

Debt Sector Allocation

Sector	Value

Credit Quality

Rating	Value

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity

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.

Research Highlights for HDFC Credit Risk Debt Fund

Upper mid AUM (₹7,029 Cr).
Established history (11+ yrs).
Rating: 4★ (upper mid).
Risk profile: Moderate.
1Y return: 8.24% (top quartile).
1M return: 0.62% (upper mid).
Sharpe: 1.32 (top quartile).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 8.02% (top quartile).
Modified duration: 2.38 yrs (top quartile).
Average maturity: 3.73 yrs (top quartile).
Exit load: 0-12 Months (1%),12-18 Months (0.5%),18 Months and above(NIL).

Below is the key information for HDFC Credit Risk Debt Fund

HDFC Credit Risk Debt Fund Growth
Launch Date	25 Mar 14
NAV (27 Nov 25)	₹24.7932 ↓ 0.00 (-0.01 %)
Net Assets (Cr)	₹7,029 on 31 Oct 25
Category	Debt - Credit Risk
AMC	HDFC Asset Management Company Limited
Rating	☆☆☆☆
Risk	Moderate
Expense Ratio	1.51
Sharpe Ratio	1.32
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	8.02%
Effective Maturity	3 Years 8 Months 23 Days
Modified Duration	2 Years 4 Months 17 Days

Growth of 10,000 investment over the years.

Date	Value

HDFC Credit Risk 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 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 27 Nov 25

Duration	Returns
1 Month	0.6%
3 Month	2.2%
6 Month	3.3%
1 Year	8.2%
3 Year	7.7%
5 Year	6.8%
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

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

Asset Allocation

Asset Class	Value

Debt Sector Allocation

Sector	Value

Credit Quality

Rating	Value

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity

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.

Research Highlights for HDFC Dynamic Debt Fund

Bottom quartile AUM (₹775 Cr).
Oldest track record among peers (28 yrs).
Rating: 3★ (lower mid).
Risk profile: Moderate.
1Y return: 5.21% (bottom quartile).
1M return: -0.05% (bottom quartile).
Sharpe: -0.31 (bottom quartile).
Information ratio: 0.00 (lower mid).
Yield to maturity (debt): 7.05% (upper mid).
Modified duration: 7.39 yrs (bottom quartile).
Average maturity: 19.68 yrs (bottom quartile).
Exit load: 0-6 Months (0.5%),6 Months and above(NIL).

Below is the key information for HDFC Dynamic Debt Fund

HDFC Dynamic Debt Fund Growth
Launch Date	28 Apr 97
NAV (27 Nov 25)	₹90.09 ↓ -0.06 (-0.06 %)
Net Assets (Cr)	₹775 on 31 Oct 25
Category	Debt - Dynamic Bond
AMC	HDFC Asset Management Company Limited
Rating	☆☆☆
Risk	Moderate
Expense Ratio	1.53
Sharpe Ratio	-0.31
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	7.05%
Effective Maturity	19 Years 8 Months 5 Days
Modified Duration	7 Years 4 Months 20 Days

Growth of 10,000 investment over the years.

Date	Value

HDFC Dynamic 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 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 27 Nov 25

Duration	Returns
1 Month	-0.1%
3 Month	2.2%
6 Month	-0.6%
1 Year	5.2%
3 Year	6.7%
5 Year	5.9%
10 Year
15 Year
Since launch	8%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	8.5%
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%

Fund Manager information for HDFC Dynamic Debt Fund

Name	Since	Tenure

Data below for HDFC Dynamic Debt Fund as on 31 Oct 25

Asset Allocation

Asset Class	Value

Debt Sector Allocation

Sector	Value

Credit Quality

Rating	Value

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity

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.

Research Highlights for HDFC Medium Term Debt Fund

Lower mid AUM (₹3,895 Cr).
Established history (23+ yrs).
Rating: 3★ (lower mid).
Risk profile: Moderate.
1Y return: 8.09% (upper mid).
1M return: 0.67% (top quartile).
Sharpe: 0.79 (upper mid).
Information ratio: 0.00 (lower mid).
Yield to maturity (debt): 7.60% (top quartile).
Modified duration: 3.39 yrs (upper mid).
Average maturity: 5.47 yrs (upper mid).
Exit load: 0-1 Months (0.25%),1 Months and above(NIL).

Below is the key information for HDFC Medium Term Debt Fund

HDFC Medium Term Debt Fund Growth
Launch Date	6 Feb 02
NAV (27 Nov 25)	₹57.8427 ↓ -0.01 (-0.01 %)
Net Assets (Cr)	₹3,895 on 31 Oct 25
Category	Debt - Medium term Bond
AMC	HDFC Asset Management Company Limited
Rating	☆☆☆
Risk	Moderate
Expense Ratio	1.29
Sharpe Ratio	0.79
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	7.6%
Effective Maturity	5 Years 5 Months 19 Days
Modified Duration	3 Years 4 Months 20 Days

Growth of 10,000 investment over the years.

Date	Value

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 27 Nov 25

Duration	Returns
1 Month	0.7%
3 Month	2.3%
6 Month	2.5%
1 Year	8.1%
3 Year	7.6%
5 Year	6.1%
10 Year
15 Year
Since launch	7.7%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	8.1%
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%

Fund Manager information for HDFC Medium Term Debt Fund

Name	Since	Tenure

Data below for HDFC Medium Term Debt Fund as on 31 Oct 25

Asset Allocation

Asset Class	Value

Debt Sector Allocation

Sector	Value

Credit Quality

Rating	Value

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity

7. HDFC Income Fund

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

Research Highlights for HDFC Income Fund

Bottom quartile AUM (₹915 Cr).
Established history (25+ yrs).
Rating: 2★ (bottom quartile).
Risk profile: Moderate.
1Y return: 6.32% (lower mid).
1M return: 0.38% (lower mid).
Sharpe: -0.13 (bottom quartile).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 6.88% (bottom quartile).
Modified duration: 6.64 yrs (lower mid).
Average maturity: 12.46 yrs (lower mid).
Exit load: 0-1 Months (0.25%),1 Months and above(NIL).

Below is the key information for HDFC Income Fund

HDFC Income Fund Growth
Launch Date	11 Sep 00
NAV (27 Nov 25)	₹58.8235 ↓ -0.04 (-0.06 %)
Net Assets (Cr)	₹915 on 31 Oct 25
Category	Debt - Medium to Long term
AMC	HDFC Asset Management Company Limited
Rating	☆☆
Risk	Moderate
Expense Ratio	1.37
Sharpe Ratio	-0.13
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	6.88%
Effective Maturity	12 Years 5 Months 16 Days
Modified Duration	6 Years 7 Months 20 Days

Growth of 10,000 investment over the years.

Date	Value

HDFC Income Fund SIP Returns

Total investment amount is ₹180,000
expected amount after 3 Years is ₹194,235.
Net Profit of ₹14,235 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 27 Nov 25

Duration	Returns
1 Month	0.4%
3 Month	2%
6 Month	-0.1%
1 Year	6.3%
3 Year	6.9%
5 Year	4.8%
10 Year
15 Year
Since launch	7.3%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	9%
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%

Fund Manager information for HDFC Income Fund

Name	Since	Tenure

Data below for HDFC Income Fund as on 31 Oct 25

Asset Allocation

Asset Class	Value

Debt Sector Allocation

Sector	Value

Credit Quality

Rating	Value

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity

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.

Research Highlights for HDFC Short Term Debt Fund

Top quartile AUM (₹17,947 Cr).
Established history (15+ yrs).
Rating: 3★ (bottom quartile).
Risk profile: Moderately Low.
1Y return: 8.32% (top quartile).
1M return: 0.65% (top quartile).
Sharpe: 1.44 (top quartile).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 6.98% (lower mid).
Modified duration: 2.29 yrs (top quartile).
Average maturity: 3.44 yrs (top quartile).
Exit load: NIL.

Below is the key information for HDFC Short Term Debt Fund

HDFC Short Term Debt Fund Growth
Launch Date	25 Jun 10
NAV (27 Nov 25)	₹32.9538 ↑ 0.00 (0.01 %)
Net Assets (Cr)	₹17,947 on 31 Oct 25
Category	Debt - Short term Bond
AMC	HDFC Asset Management Company Limited
Rating	☆☆☆
Risk	Moderately Low
Expense Ratio	0.69
Sharpe Ratio	1.44
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	300
Exit Load	NIL
Yield to Maturity	6.98%
Effective Maturity	3 Years 5 Months 8 Days
Modified Duration	2 Years 3 Months 14 Days

Growth of 10,000 investment over the years.

Date	Value

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 27 Nov 25

Duration	Returns
1 Month	0.6%
3 Month	2%
6 Month	2.8%
1 Year	8.3%
3 Year	7.9%
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

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

Asset Allocation

Asset Class	Value

Debt Sector Allocation

Sector	Value

Credit Quality

Rating	Value

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity

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