HDFC மியூச்சுவல் ஃபண்ட் 2022 வழங்கும் 8 சிறந்த கடன் நிதிகள்

Updated on December 18, 2025 , 35892 views

வழங்கிய கடன் நிதிகள்hdfc mf உருவாக்க எண்ணம்வருமானம் முதலீட்டாளர்களுக்கு, இது வரலாற்று ரீதியாக HDFC கடன் நிதிகளின் சிறந்த செயல்திறன் திட்டங்களால் பார்க்கப்படுகிறது.

HDFCகடன் நிதி நீண்ட கால அல்லது குறுகிய கால கடன்களில் முதலீடு செய்யும் புதுமையான திட்டமாகும்பத்திரங்கள், பணச் சந்தைகள், முதலியன. கடன் நிதிகள் குறைந்த முதலீட்டாளர்களுக்கு ஏற்றதுஆபத்து பசியின்மை தங்கள் உபரி பணத்தை குறுகிய காலத்திற்கு நிறுத்த விரும்புபவர்கள். குறைந்த ரிஸ்க் முதலீடு என்றாலும் அவை கடன் அபாயத்திற்கு உட்பட்டவை.

HDFC மியூச்சுவல் ஃபண்ட் திட்டத்தை ஏன் தேர்வு செய்ய வேண்டும்?

அ. குறைந்தபட்ச முதலீட்டுத் தொகை

ஒருமுதலீட்டாளர் ஒரு வழியாக 500 ரூபாய்க்கும் குறைவான தொகையில் கடன் திட்டங்களில் முதலீடு செய்யலாம்எஸ்ஐபி மற்றும் 5 ரூபாய்,000 ஒரு மொத்த தொகை முதலீடு மூலம்

பி. சிறந்த மதிப்பீடுகள்

பலAMC திட்டங்கள் மூன்று மற்றும் அதற்கு மேல் CRISIL மதிப்பீட்டைக் கொண்டுள்ளன

c. பல்வேறு விருப்பங்கள்

முதலீடு HDFC கடன் நிதிகளில் பரந்த அளவில் வருகிறதுசரகம் வகை, எனவே முதலீட்டாளர்கள் தங்கள் குறுகிய கால, இடைக்கால மற்றும் நீண்ட கால திட்டமிடலாம்முதலீட்டுத் திட்டம் இந்த கடன் நிதிகளைத் தேர்ந்தெடுப்பதன் மூலம்

முதலீட்டாளர்கள் HDFC இல் முதலீடு செய்ய திட்டமிட்டுள்ளனர்சிறந்த கடன் நிதிகள், HDFC ஃபண்ட் ஹவுஸின் கீழே பட்டியலிடப்பட்டுள்ள சிறந்த செயல்திறன் மிக்கவர்களில் இருந்து தேர்வு செய்யலாம்.

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சிறந்த HDFC கடன் மியூச்சுவல் ஃபண்டுகள் FY 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	₹33.3423 ↑ 0.01	₹36,382	1.4	2.2	7.2	7.6	8.6	6.97%	4Y 4M 13D	7Y 6M 25D
HDFC Banking and PSU Debt Fund Growth	₹23.5932 ↑ 0.00	₹5,835	1.5	2.3	7.4	7.3	7.9	6.81%	3Y 2M 8D	4Y 6M 14D
HDFC Gilt Fund Growth	₹55.7392 ↑ 0.02	₹2,939	0.6	0.8	5.1	6.9	8.7	7.08%	8Y 25D	19Y 4M 20D
HDFC Credit Risk Debt Fund Growth	₹24.8028 ↑ 0.01	₹7,013	1.5	3.2	7.8	7.5	8.2	8.01%	2Y 5M 5D	3Y 9M 25D
HDFC Dynamic Debt Fund Growth	₹90.0816 ↑ 0.07	₹758	0.7	0.9	4.5	6.6	8.5	7.09%	7Y 6M 7D	20Y 14D
HDFC Medium Term Debt Fund Growth	₹57.8184 ↑ 0.02	₹3,885	1.5	2.6	7.5	7.4	8.1	7.6%	3Y 4M 10D	5Y 5M 1D
HDFC Income Fund Growth	₹58.6877 ↓ -0.02	₹887	0.6	0.7	5.4	6.7	9	6.92%	6Y 7M 13D	12Y 6M 14D
HDFC Short Term Debt Fund Growth	₹32.944 ↑ 0.00	₹18,412	1.5	2.7	7.8	7.7	8.3	6.93%	2Y 3M 14D	3Y 4M 24D
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 19 Dec 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 (₹36,382 Cr).	Upper mid AUM (₹5,835 Cr).	Lower mid AUM (₹2,939 Cr).	Upper mid AUM (₹7,013 Cr).	Bottom quartile AUM (₹758 Cr).	Lower mid AUM (₹3,885 Cr).	Bottom quartile AUM (₹887 Cr).	Top quartile AUM (₹18,412 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: 7.24% (lower mid).	1Y return: 7.39% (upper mid).	1Y return: 5.09% (bottom quartile).	1Y return: 7.75% (top quartile).	1Y return: 4.54% (bottom quartile).	1Y return: 7.50% (upper mid).	1Y return: 5.36% (lower mid).	1Y return: 7.80% (top quartile).
Point 6	1M return: -0.01% (bottom quartile).	1M return: -0.01% (bottom quartile).	1M return: 0.14% (upper mid).	1M return: 0.26% (top quartile).	1M return: 0.20% (top quartile).	1M return: 0.18% (upper mid).	1M return: 0.01% (lower mid).	1M return: 0.14% (lower mid).
Point 7	Sharpe: 0.84 (lower mid).	Sharpe: 1.00 (upper mid).	Sharpe: -0.20 (bottom quartile).	Sharpe: 1.61 (top quartile).	Sharpe: -0.37 (bottom quartile).	Sharpe: 0.93 (upper mid).	Sharpe: -0.11 (lower mid).	Sharpe: 1.56 (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): 6.81% (bottom quartile).	Yield to maturity (debt): 7.08% (upper mid).	Yield to maturity (debt): 8.01% (top quartile).	Yield to maturity (debt): 7.09% (upper mid).	Yield to maturity (debt): 7.60% (top quartile).	Yield to maturity (debt): 6.92% (bottom quartile).	Yield to maturity (debt): 6.93% (lower mid).
Point 10	Modified duration: 4.37 yrs (lower mid).	Modified duration: 3.19 yrs (upper mid).	Modified duration: 8.07 yrs (bottom quartile).	Modified duration: 2.43 yrs (top quartile).	Modified duration: 7.52 yrs (bottom quartile).	Modified duration: 3.36 yrs (upper mid).	Modified duration: 6.62 yrs (lower mid).	Modified duration: 2.29 yrs (top quartile).

HDFC Corporate Bond Fund

Highest AUM (₹36,382 Cr).
Established history (15+ yrs).
Top rated.
Risk profile: Moderately Low.
1Y return: 7.24% (lower mid).
1M return: -0.01% (bottom quartile).
Sharpe: 0.84 (lower mid).
Information ratio: 0.00 (top quartile).
Yield to maturity (debt): 6.97% (lower mid).
Modified duration: 4.37 yrs (lower mid).

HDFC Banking and PSU Debt Fund

Upper mid AUM (₹5,835 Cr).
Established history (11+ yrs).
Rating: 5★ (top quartile).
Risk profile: Moderately Low.
1Y return: 7.39% (upper mid).
1M return: -0.01% (bottom quartile).
Sharpe: 1.00 (upper mid).
Information ratio: 0.00 (top quartile).
Yield to maturity (debt): 6.81% (bottom quartile).
Modified duration: 3.19 yrs (upper mid).

HDFC Gilt Fund

Lower mid AUM (₹2,939 Cr).
Established history (24+ yrs).
Rating: 3★ (upper mid).
Risk profile: Moderate.
1Y return: 5.09% (bottom quartile).
1M return: 0.14% (upper mid).
Sharpe: -0.20 (bottom quartile).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 7.08% (upper mid).
Modified duration: 8.07 yrs (bottom quartile).

HDFC Credit Risk Debt Fund

Upper mid AUM (₹7,013 Cr).
Established history (11+ yrs).
Rating: 4★ (upper mid).
Risk profile: Moderate.
1Y return: 7.75% (top quartile).
1M return: 0.26% (top quartile).
Sharpe: 1.61 (top quartile).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 8.01% (top quartile).
Modified duration: 2.43 yrs (top quartile).

HDFC Dynamic Debt Fund

Bottom quartile AUM (₹758 Cr).
Oldest track record among peers (28 yrs).
Rating: 3★ (lower mid).
Risk profile: Moderate.
1Y return: 4.54% (bottom quartile).
1M return: 0.20% (top quartile).
Sharpe: -0.37 (bottom quartile).
Information ratio: 0.00 (lower mid).
Yield to maturity (debt): 7.09% (upper mid).
Modified duration: 7.52 yrs (bottom quartile).

HDFC Medium Term Debt Fund

Lower mid AUM (₹3,885 Cr).
Established history (23+ yrs).
Rating: 3★ (lower mid).
Risk profile: Moderate.
1Y return: 7.50% (upper mid).
1M return: 0.18% (upper mid).
Sharpe: 0.93 (upper mid).
Information ratio: 0.00 (lower mid).
Yield to maturity (debt): 7.60% (top quartile).
Modified duration: 3.36 yrs (upper mid).

HDFC Income Fund

Bottom quartile AUM (₹887 Cr).
Established history (25+ yrs).
Rating: 2★ (bottom quartile).
Risk profile: Moderate.
1Y return: 5.36% (lower mid).
1M return: 0.01% (lower mid).
Sharpe: -0.11 (lower mid).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 6.92% (bottom quartile).
Modified duration: 6.62 yrs (lower mid).

HDFC Short Term Debt Fund

Top quartile AUM (₹18,412 Cr).
Established history (15+ yrs).
Rating: 3★ (bottom quartile).
Risk profile: Moderately Low.
1Y return: 7.80% (top quartile).
1M return: 0.14% (lower mid).
Sharpe: 1.56 (top quartile).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 6.93% (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 (₹36,382 Cr).
Established history (15+ yrs).
Top rated.
Risk profile: Moderately Low.
1Y return: 7.24% (lower mid).
1M return: -0.01% (bottom quartile).
Sharpe: 0.84 (lower mid).
Information ratio: 0.00 (top quartile).
Yield to maturity (debt): 6.97% (lower mid).
Modified duration: 4.37 yrs (lower mid).
Average maturity: 7.57 yrs (lower mid).
Exit load: NIL.
Top bond sector: Corporate.
Debt-heavy allocation (~96%).
High-quality debt (AAA/AA ~100%).
Largest holding 6.68% Govt Stock 2040 (~6.2%).

Below is the key information for HDFC Corporate Bond Fund

HDFC Corporate Bond Fund Growth
Launch Date	29 Jun 10
NAV (19 Dec 25)	₹33.3423 ↑ 0.01 (0.04 %)
Net Assets (Cr)	₹36,382 on 30 Nov 25
Category	Debt - Corporate Bond
AMC	HDFC Asset Management Company Limited
Rating	☆☆☆☆☆
Risk	Moderately Low
Expense Ratio	0.6
Sharpe Ratio	0.84
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 6 Months 25 Days
Modified Duration	4 Years 4 Months 13 Days

Growth of 10,000 investment over the years.

Date	Value
30 Nov 20	₹10,000
30 Nov 21	₹10,436
30 Nov 22	₹10,745
30 Nov 23	₹11,491
30 Nov 24	₹12,491
30 Nov 25	₹13,465

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 19 Dec 25

Duration	Returns
1 Month	0%
3 Month	1.4%
6 Month	2.2%
1 Year	7.2%
3 Year	7.6%
5 Year	6%
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	10.02 Yr.
Dhruv Muchhal	22 Jun 23	2.36 Yr.

Data below for HDFC Corporate Bond Fund as on 30 Nov 25

Asset Allocation

Asset Class	Value
Cash	3.31%
Debt	96.41%
Other	0.28%

Debt Sector Allocation

Sector	Value
Corporate	55.23%
Government	39.18%
Cash Equivalent	3.33%
Securitized	1.98%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
6.68% Govt Stock 2040 Sovereign Bonds \| -	6%	₹2,254 Cr	230,000,000
Bajaj Finance Limited Debentures \| -	3%	₹1,132 Cr	112,500
6.9% Govt Stock 2065 Sovereign Bonds \| -	3%	₹1,034 Cr	110,000,000 ↑ 50,000,000
6.82% Govt Stock 2033 Sovereign Bonds \| -	3%	₹919 Cr	89,000,000
State Bank Of India Debentures \| -	2%	₹806 Cr	800
6.92% Govt Stock 2039 Sovereign Bonds \| -	2%	₹752 Cr	75,000,000 ↓ -28,500,000
HDFC Bank Limited Debentures \| -	1%	₹517 Cr	50,000
Small Industries Development Bank Of India Debentures \| -	1%	₹509 Cr	50,000
LIC Housing Finance Ltd Debentures \| -	1%	₹509 Cr	5,000
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

Upper mid AUM (₹5,835 Cr).
Established history (11+ yrs).
Rating: 5★ (top quartile).
Risk profile: Moderately Low.
1Y return: 7.39% (upper mid).
1M return: -0.01% (bottom quartile).
Sharpe: 1.00 (upper mid).
Information ratio: 0.00 (top quartile).
Yield to maturity (debt): 6.81% (bottom quartile).
Modified duration: 3.19 yrs (upper mid).
Average maturity: 4.54 yrs (upper mid).
Exit load: NIL.
Top bond sector: Corporate.
Debt-heavy allocation (~91%).
High-quality debt (AAA/AA ~100%).
Largest holding Indian Railway Finance Corporation Limited (~4.8%).

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 (19 Dec 25)	₹23.5932 ↑ 0.00 (0.00 %)
Net Assets (Cr)	₹5,835 on 30 Nov 25
Category	Debt - Banking & PSU Debt
AMC	HDFC Asset Management Company Limited
Rating	☆☆☆☆☆
Risk	Moderately Low
Expense Ratio	0.78
Sharpe Ratio	1
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	300
Exit Load	NIL
Yield to Maturity	6.81%
Effective Maturity	4 Years 6 Months 14 Days
Modified Duration	3 Years 2 Months 8 Days

Growth of 10,000 investment over the years.

Date	Value
30 Nov 20	₹10,000
30 Nov 21	₹10,398
30 Nov 22	₹10,710
30 Nov 23	₹11,411
30 Nov 24	₹12,329
30 Nov 25	₹13,311

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 19 Dec 25

Duration	Returns
1 Month	0%
3 Month	1.5%
6 Month	2.3%
1 Year	7.4%
3 Year	7.3%
5 Year	5.8%
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	11.61 Yr.
Dhruv Muchhal	22 Jun 23	2.36 Yr.

Data below for HDFC Banking and PSU Debt Fund as on 30 Nov 25

Asset Allocation

Asset Class	Value
Cash	8.92%
Debt	90.78%
Other	0.3%

Debt Sector Allocation

Sector	Value
Corporate	46.76%
Government	42.25%
Cash Equivalent	8.5%
Securitized	2.19%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Indian Railway Finance Corporation Limited Debentures \| -	5%	₹282 Cr	27,500
Indian Railway Finance Corporation Limited Debentures \| -	4%	₹205 Cr	20,000
7.18% Govt Stock 2033 Sovereign Bonds \| -	3%	₹171 Cr	16,500,000
Rec Limited Debentures \| -	3%	₹153 Cr	1,500
Bajaj Housing Finance Limited Debentures \| -	3%	₹153 Cr	15,000
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
Small Industries Development Bank Of India Debentures \| -	3%	₹150 Cr	15,000 ↓ -7,500
Housing And Urban Development Corporation Limited Debentures \| -	2%	₹132 Cr	1,250
HDFC Bank Limited Debentures \| -	2%	₹130 Cr	12,500

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 (₹2,939 Cr).
Established history (24+ yrs).
Rating: 3★ (upper mid).
Risk profile: Moderate.
1Y return: 5.09% (bottom quartile).
1M return: 0.14% (upper mid).
Sharpe: -0.20 (bottom quartile).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 7.08% (upper mid).
Modified duration: 8.07 yrs (bottom quartile).
Average maturity: 19.39 yrs (bottom quartile).
Exit load: NIL.
Higher exposure to Government (bond sector) vs peer median.
Debt-heavy allocation (~97%).
High-quality debt (AAA/AA ~100%).
Largest holding 7.18% Govt Stock 2033 (~16.2%).
Top-3 holdings concentration ~40.0%.

Below is the key information for HDFC Gilt Fund

HDFC Gilt Fund Growth
Launch Date	25 Jul 01
NAV (19 Dec 25)	₹55.7392 ↑ 0.02 (0.04 %)
Net Assets (Cr)	₹2,939 on 30 Nov 25
Category	Debt - Government Bond
AMC	HDFC Asset Management Company Limited
Rating	☆☆☆
Risk	Moderate
Expense Ratio	0.88
Sharpe Ratio	-0.2
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	300
Exit Load	NIL
Yield to Maturity	7.08%
Effective Maturity	19 Years 4 Months 20 Days
Modified Duration	8 Years 25 Days

Growth of 10,000 investment over the years.

Date	Value
30 Nov 20	₹10,000
30 Nov 21	₹10,332
30 Nov 22	₹10,428
30 Nov 23	₹11,081
30 Nov 24	₹12,126
30 Nov 25	₹12,761

HDFC Gilt 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 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 19 Dec 25

Duration	Returns
1 Month	0.1%
3 Month	0.6%
6 Month	0.8%
1 Year	5.1%
3 Year	6.9%
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
Anil Bamboli	1 Sep 07	18.18 Yr.
Dhruv Muchhal	22 Jun 23	2.36 Yr.

Data below for HDFC Gilt Fund as on 30 Nov 25

Asset Allocation

Asset Class	Value
Cash	2.99%
Debt	97.01%

Debt Sector Allocation

Sector	Value
Government	97.01%
Cash Equivalent	2.99%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
7.18% Govt Stock 2033 Sovereign Bonds \| -	16%	₹477 Cr	46,000,000
7.3% Govt Stock 2053 Sovereign Bonds \| -	16%	₹460 Cr	46,000,000
6.9% Govt Stock 2065 Sovereign Bonds \| -	8%	₹240 Cr	25,500,000
7.34% Govt Stock 2064 Sovereign Bonds \| -	8%	₹238 Cr	24,030,000
7.09% Govt Stock 2054 Sovereign Bonds \| -	8%	₹224 Cr	23,000,000
7.26% Govt Stock 2033 Sovereign Bonds \| -	7%	₹218 Cr	21,000,000
7.02% Govt Stock 2031 Sovereign Bonds \| -	5%	₹155 Cr	15,000,000
7.26% Govt Stock 2032 Sovereign Bonds \| -	5%	₹141 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%	₹83 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.

Research Highlights for HDFC Credit Risk Debt Fund

Upper mid AUM (₹7,013 Cr).
Established history (11+ yrs).
Rating: 4★ (upper mid).
Risk profile: Moderate.
1Y return: 7.75% (top quartile).
1M return: 0.26% (top quartile).
Sharpe: 1.61 (top quartile).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 8.01% (top quartile).
Modified duration: 2.43 yrs (top quartile).
Average maturity: 3.82 yrs (top quartile).
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 ~85%).
Largest holding The Sandur Manganese And Iron Ores Limited (~4.1%).

Below is the key information for HDFC Credit Risk Debt Fund

HDFC Credit Risk Debt Fund Growth
Launch Date	25 Mar 14
NAV (19 Dec 25)	₹24.8028 ↑ 0.01 (0.02 %)
Net Assets (Cr)	₹7,013 on 30 Nov 25
Category	Debt - Credit Risk
AMC	HDFC Asset Management Company Limited
Rating	☆☆☆☆
Risk	Moderate
Expense Ratio	1.51
Sharpe Ratio	1.61
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	8.01%
Effective Maturity	3 Years 9 Months 25 Days
Modified Duration	2 Years 5 Months 5 Days

Growth of 10,000 investment over the years.

Date	Value
30 Nov 20	₹10,000
30 Nov 21	₹10,738
30 Nov 22	₹11,114
30 Nov 23	₹11,830
30 Nov 24	₹12,829
30 Nov 25	₹13,868

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 19 Dec 25

Duration	Returns
1 Month	0.3%
3 Month	1.5%
6 Month	3.2%
1 Year	7.8%
3 Year	7.5%
5 Year	6.7%
10 Year
15 Year
Since launch	8%

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	11.61 Yr.
Dhruv Muchhal	22 Jun 23	2.36 Yr.

Data below for HDFC Credit Risk Debt Fund as on 30 Nov 25

Asset Allocation

Asset Class	Value
Cash	9.01%
Equity	3.97%
Debt	86.68%
Other	0.35%

Debt Sector Allocation

Sector	Value
Corporate	74.19%
Government	11.75%
Cash Equivalent	9.01%
Securitized	0.73%

Credit Quality

Rating	Value
A	14.6%
AA	61.88%
AAA	23.53%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
The Sandur Manganese And Iron Ores Limited Debentures \| -	4%	₹289 Cr	30,000
GMR Airports Limited Debentures \| -	4%	₹268 Cr	26,500
TATA Projects Limited Debentures \| -	4%	₹253 Cr	25,000
The Tata Power Company Limited Debentures \| -	3%	₹232 Cr	2,190
Jubilant Beverages Limited Debentures \| -	3%	₹204 Cr	19,190
Bamboo Hotel And Global Centre (Delhi) Private Limited Debentures \| -	3%	₹203 Cr	20,000
Kalpataru Projects International Limited Debentures \| -	3%	₹202 Cr	20,000
SK Finance Limited Debentures \| -	3%	₹201 Cr	20,000
Jubilant Bevco Limited Debentures \| -	3%	₹189 Cr	17,750
Kalpataru Projects International Limited Debentures \| -	3%	₹180 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.

Research Highlights for HDFC Dynamic Debt Fund

Bottom quartile AUM (₹758 Cr).
Oldest track record among peers (28 yrs).
Rating: 3★ (lower mid).
Risk profile: Moderate.
1Y return: 4.54% (bottom quartile).
1M return: 0.20% (top quartile).
Sharpe: -0.37 (bottom quartile).
Information ratio: 0.00 (lower mid).
Yield to maturity (debt): 7.09% (upper mid).
Modified duration: 7.52 yrs (bottom quartile).
Average maturity: 20.04 yrs (bottom quartile).
Exit load: 0-6 Months (0.5%),6 Months and above(NIL).
Top sector: Financial Services.
Higher exposure to Government (bond sector) vs peer median.
Debt-heavy allocation (~93%).
High-quality debt (AAA/AA ~100%).
Largest holding 7.3% Govt Stock 2053 (~15.0%).
Top-3 holdings concentration ~37.1%.

Below is the key information for HDFC Dynamic Debt Fund

HDFC Dynamic Debt Fund Growth
Launch Date	28 Apr 97
NAV (19 Dec 25)	₹90.0816 ↑ 0.07 (0.08 %)
Net Assets (Cr)	₹758 on 30 Nov 25
Category	Debt - Dynamic Bond
AMC	HDFC Asset Management Company Limited
Rating	☆☆☆
Risk	Moderate
Expense Ratio	1.53
Sharpe Ratio	-0.37
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	7.09%
Effective Maturity	20 Years 14 Days
Modified Duration	7 Years 6 Months 7 Days

Growth of 10,000 investment over the years.

Date	Value
30 Nov 20	₹10,000
30 Nov 21	₹10,848
30 Nov 22	₹10,958
30 Nov 23	₹11,603
30 Nov 24	₹12,683
30 Nov 25	₹13,273

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 19 Dec 25

Duration	Returns
1 Month	0.2%
3 Month	0.7%
6 Month	0.9%
1 Year	4.5%
3 Year	6.6%
5 Year	5.8%
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
Anil Bamboli	16 Feb 04	21.72 Yr.
Dhruv Muchhal	22 Jun 23	2.36 Yr.

Data below for HDFC Dynamic Debt Fund as on 30 Nov 25

Asset Allocation

Asset Class	Value
Cash	5.07%
Equity	1.67%
Debt	92.95%
Other	0.31%

Debt Sector Allocation

Sector	Value
Government	84.02%
Corporate	8.94%
Cash Equivalent	5.07%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
7.3% Govt Stock 2053 Sovereign Bonds \| -	15%	₹115 Cr	11,500,000
7.18% Govt Stock 2033 Sovereign Bonds \| -	13%	₹99 Cr	9,500,000
7.34% Govt Stock 2064 Sovereign Bonds \| -	9%	₹71 Cr	7,170,000
6.9% Govt Stock 2065 Sovereign Bonds \| -	7%	₹56 Cr	6,000,000
7.25% Govt Stock 2063 Sovereign Bonds \| -	7%	₹54 Cr	5,500,000
6.99% Govt Stock 2034 Sovereign Bonds \| -	6%	₹46 Cr	4,500,000
7.09% Govt Stock 2054 Sovereign Bonds \| -	6%	₹44 Cr	4,500,000
7.26% Govt Stock 2032 Sovereign Bonds \| -	5%	₹36 Cr	3,500,000
Rec Limited Debentures \| -	3%	₹27 Cr	250
HDFC Bank Limited Debentures \| -	3%	₹26 Cr	2,500

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 (₹3,885 Cr).
Established history (23+ yrs).
Rating: 3★ (lower mid).
Risk profile: Moderate.
1Y return: 7.50% (upper mid).
1M return: 0.18% (upper mid).
Sharpe: 0.93 (upper mid).
Information ratio: 0.00 (lower mid).
Yield to maturity (debt): 7.60% (top quartile).
Modified duration: 3.36 yrs (upper mid).
Average maturity: 5.42 yrs (upper mid).
Exit load: 0-1 Months (0.25%),1 Months and above(NIL).
Top sector: Financial Services.
Higher exposure to Corporate (bond sector) vs peer median.
Debt-heavy allocation (~93%).
High-quality debt (AAA/AA ~96%).
Largest holding 7.18% Govt Stock 2037 (~7.3%).

Below is the key information for HDFC Medium Term Debt Fund

HDFC Medium Term Debt Fund Growth
Launch Date	6 Feb 02
NAV (19 Dec 25)	₹57.8184 ↑ 0.02 (0.04 %)
Net Assets (Cr)	₹3,885 on 30 Nov 25
Category	Debt - Medium term Bond
AMC	HDFC Asset Management Company Limited
Rating	☆☆☆
Risk	Moderate
Expense Ratio	1.29
Sharpe Ratio	0.93
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 1 Day
Modified Duration	3 Years 4 Months 10 Days

Growth of 10,000 investment over the years.

Date	Value
30 Nov 20	₹10,000
30 Nov 21	₹10,541
30 Nov 22	₹10,815
30 Nov 23	₹11,503
30 Nov 24	₹12,469
30 Nov 25	₹13,445

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 19 Dec 25

Duration	Returns
1 Month	0.2%
3 Month	1.5%
6 Month	2.6%
1 Year	7.5%
3 Year	7.4%
5 Year	6%
10 Year
15 Year
Since launch	7.6%

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
Shobhit Mehrotra	1 Sep 07	18.18 Yr.
Dhruv Muchhal	22 Jun 23	2.36 Yr.
Bhavyesh Divecha	1 Mar 25	0.67 Yr.

Data below for HDFC Medium Term Debt Fund as on 30 Nov 25

Asset Allocation

Asset Class	Value
Cash	4.86%
Equity	2.12%
Debt	92.71%
Other	0.31%

Debt Sector Allocation

Sector	Value
Corporate	61.11%
Government	26.99%
Cash Equivalent	4.86%
Securitized	4.61%

Credit Quality

Rating	Value
A	3.8%
AA	48.78%
AAA	47.42%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
7.18% Govt Stock 2037 Sovereign Bonds \| -	7%	₹283 Cr	27,547,700
7.23% Govt Stock 2039 Sovereign Bonds \| -	5%	₹190 Cr	18,500,000
TATA Steel Limited Debentures \| -	4%	₹148 Cr	14,500
GMR Airports Limited Debentures \| -	4%	₹137 Cr	13,500
6.79% Govt Stock 2034 Sovereign Bonds \| -	3%	₹122 Cr	12,012,900
Jubilant Beverages Limited Debentures \| -	3%	₹114 Cr	10,720
SHIVSHAKTI SECURITISATION TRUST Unlisted bonds \| -	3%	₹102 Cr	100 ↑ 25
Kalpataru Projects International Limited Debentures \| -	3%	₹101 Cr	10,000
SK Finance Limited Debentures \| -	3%	₹100 Cr	10,000
Sbfc Finance Limited Debentures \| -	3%	₹100 Cr	10,000

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 (₹887 Cr).
Established history (25+ yrs).
Rating: 2★ (bottom quartile).
Risk profile: Moderate.
1Y return: 5.36% (lower mid).
1M return: 0.01% (lower mid).
Sharpe: -0.11 (lower mid).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 6.92% (bottom quartile).
Modified duration: 6.62 yrs (lower mid).
Average maturity: 12.54 yrs (lower mid).
Exit load: 0-1 Months (0.25%),1 Months and above(NIL).
Top sector: Real Estate.
Higher exposure to Government (bond sector) vs peer median.
Debt-heavy allocation (~92%).
High-quality debt (AAA/AA ~100%).
Largest holding 7.18% Govt Stock 2037 (~16.3%).
Top-3 holdings concentration ~41.7%.

Below is the key information for HDFC Income Fund

HDFC Income Fund Growth
Launch Date	11 Sep 00
NAV (19 Dec 25)	₹58.6877 ↓ -0.02 (-0.03 %)
Net Assets (Cr)	₹887 on 30 Nov 25
Category	Debt - Medium to Long term
AMC	HDFC Asset Management Company Limited
Rating	☆☆
Risk	Moderate
Expense Ratio	1.37
Sharpe Ratio	-0.12
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	6.92%
Effective Maturity	12 Years 6 Months 14 Days
Modified Duration	6 Years 7 Months 13 Days

Growth of 10,000 investment over the years.

Date	Value
30 Nov 20	₹10,000
30 Nov 21	₹10,284
30 Nov 22	₹10,337
30 Nov 23	₹10,856
30 Nov 24	₹11,915
30 Nov 25	₹12,596

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 19 Dec 25

Duration	Returns
1 Month	0%
3 Month	0.6%
6 Month	0.7%
1 Year	5.4%
3 Year	6.7%
5 Year	4.7%
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
Shobhit Mehrotra	11 Sep 07	18.15 Yr.
Dhruv Muchhal	22 Jun 23	2.36 Yr.

Data below for HDFC Income Fund as on 30 Nov 25

Asset Allocation

Asset Class	Value
Cash	7.65%
Equity	0.48%
Debt	91.58%
Other	0.29%

Debt Sector Allocation

Sector	Value
Government	76.22%
Corporate	15.36%
Cash Equivalent	7.65%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
7.18% Govt Stock 2037 Sovereign Bonds \| -	16%	₹149 Cr	14,500,000 ↓ -1,790,000
6.68% Govt Stock 2040 Sovereign Bonds \| -	15%	₹133 Cr	13,530,000 ↑ 500,000
7.41% Govt Stock 2036 Sovereign Bonds \| -	11%	₹99 Cr	9,500,000
7.23% Govt Stock 2039 Sovereign Bonds \| -	6%	₹57 Cr	5,500,000
6.79% Govt Stock 2034 Sovereign Bonds \| -	4%	₹41 Cr	4,000,000
Ntpc Limited Debentures \| -	3%	₹26 Cr	250
6.99% Govt Stock 2034 Sovereign Bonds \| -	3%	₹25 Cr	2,500,000
6.63% Govt Stock 2031 Sovereign Bonds \| -	3%	₹25 Cr	2,500,000
Bajaj Housing Finance Limited Debentures \| -	3%	₹25 Cr	250
7.09% Govt Stock 2054 Sovereign Bonds \| -	3%	₹24 Cr	2,500,000

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 (₹18,412 Cr).
Established history (15+ yrs).
Rating: 3★ (bottom quartile).
Risk profile: Moderately Low.
1Y return: 7.80% (top quartile).
1M return: 0.14% (lower mid).
Sharpe: 1.56 (top quartile).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 6.93% (lower mid).
Modified duration: 2.29 yrs (top quartile).
Average maturity: 3.40 yrs (top quartile).
Exit load: NIL.
Higher exposure to Corporate (bond sector) vs peer median.
Debt-heavy allocation (~93%).
High-quality debt (AAA/AA ~100%).
Largest holding 7.18% Govt Stock 2033 (~4.3%).

Below is the key information for HDFC Short Term Debt Fund

HDFC Short Term Debt Fund Growth
Launch Date	25 Jun 10
NAV (19 Dec 25)	₹32.944 ↑ 0.00 (0.01 %)
Net Assets (Cr)	₹18,412 on 30 Nov 25
Category	Debt - Short term Bond
AMC	HDFC Asset Management Company Limited
Rating	☆☆☆
Risk	Moderately Low
Expense Ratio	0.69
Sharpe Ratio	1.56
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	300
Exit Load	NIL
Yield to Maturity	6.93%
Effective Maturity	3 Years 4 Months 24 Days
Modified Duration	2 Years 3 Months 14 Days

Growth of 10,000 investment over the years.

Date	Value
30 Nov 20	₹10,000
30 Nov 21	₹10,423
30 Nov 22	₹10,755
30 Nov 23	₹11,491
30 Nov 24	₹12,468
30 Nov 25	₹13,494

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 19 Dec 25

Duration	Returns
1 Month	0.1%
3 Month	1.5%
6 Month	2.7%
1 Year	7.8%
3 Year	7.7%
5 Year	6.1%
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	15.36 Yr.
Dhruv Muchhal	22 Jun 23	2.36 Yr.

Data below for HDFC Short Term Debt Fund as on 30 Nov 25

Asset Allocation

Asset Class	Value
Cash	6.98%
Debt	92.75%
Other	0.27%

Debt Sector Allocation

Sector	Value
Corporate	60.49%
Government	30.24%
Cash Equivalent	5.75%
Securitized	3.25%

Credit Quality

Rating	Value
AA	13%
AAA	87%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
7.18% Govt Stock 2033 Sovereign Bonds \| -	4%	₹778 Cr	75,000,000
Aditya Birla Renewables Limited Debentures \| -	2%	₹442 Cr	43,500
Jubilant Beverages Limited Debentures \| -	2%	₹409 Cr	38,500
Jtpm Metal TRaders Limited Debentures \| -	2%	₹368 Cr	36,000
7.26% Govt Stock 2032 Sovereign Bonds \| -	2%	₹359 Cr	34,500,000
SHIVSHAKTI SECURITISATION TRUST Unlisted bonds \| -	2%	₹359 Cr	350
Jamnagar Utilities & Power Private Limited Debentures \| -	2%	₹358 Cr	35,000 ↑ 2,500
6.22% Govt Stock 2028 Sovereign Bonds \| -	2%	₹308 Cr	30,500,000
National Bank For Agriculture And Rural Development Debentures \| -	1%	₹257 Cr	25,000
Bajaj Housing Finance Limited Debentures \| -	1%	₹254 Cr	25,000

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இங்கு வழங்கப்பட்ட தகவல்கள் துல்லியமானவை என்பதை உறுதிப்படுத்த அனைத்து முயற்சிகளும் மேற்கொள்ளப்பட்டுள்ளன. இருப்பினும், தரவின் சரியான தன்மை குறித்து எந்த உத்தரவாதமும் அளிக்கப்படவில்லை. முதலீடு செய்வதற்கு முன் திட்டத் தகவல் ஆவணத்துடன் சரிபார்க்கவும்.