May 24, 2025
mayank
HDFC Income Fund details, NAV, Portfolio, Returns, Peer Comparison, Fund Managers & Guidance by sahifund.com
NAV Growth: Rs 65.0950
Quarterly NAV IDCW: Rs 13.2041
NAV IDCW: Rs 20.5858
Suitable For Which Investors?
“Medium to Long Duration debt funds invest mainly in bonds maturing in four to seven years. They aim to earn better returns than bank fixed deposits of a similar duration. The risk of incurring a loss in these funds over the said time frame is low, but they may experience some degree of volatility in response to changes in interest rates.
Retail investors can avoid these funds altogether. We believe that Short Duration funds are a better alternative for the fixed-income allocation in an investor’s portfolio.
We also believe that investors with an investment horizon of more than three years may consider investing some portion of their money in equity funds to earn higher returns. They witness more severe ups and downs than debt funds but the possibility of incurring a loss reduces with an increase in one’s investment horizon.”
Fund’s Investment Strategy:
The scheme seeks to generate income / capital appreciation through investments in debt and money market instruments.
Fund Manager:
1) Shobhit Mehrotra
Education: He is an MBA from Clemson University, USA.
Experience: Prior to joining HDFC AMC he has worked with Franklin Templeton AMC, and ICRA.
Investment Details
| Min. Investment (Rs) | 100 |
| Min. Addl Investment (Rs) | 100 |
| Min. SIP Investment (Rs) | 100 |
| Min. Withdrawal (Rs) | 100 |
| Min. No of Cheques | 6 |
| Min. Balance (Rs) | 1 |
| Lock-in Period | NA |
| Exit Load | 0 |
Basic Details of HDFC Income Fund
| Fund House | HDFC Mutual Fund |
| Launch Date | 01-Jan-13 |
| Return Since Launch | 7.53% |
| Benchmark | CRISIL Medium to Long Duration Debt A-III Index |
| Riskometer | Moderate |
| Type | Open-ended |
| Assets | Rs 930 Cr |
| (As on 30-Apr-2025) | |
| Expense | 0.80% |
| (As on 30-Apr-2025) | |
| Risk Grade | Average |
| Return Grade | Average |
Trailing Returns (%) of HDFC Income Fund
| Fund name | YTD | 1D | 1M | 3M | 6M | 1Y | 3Y | 5Y | 7Y | 10Y |
| HDFC Income Dir | 5.79 | 0.13 | 0.87 | 4.85 | 6.87 | 11.32 | 9.00 | 6.57 | 7.44 | 7.17 |
| VR Bond | 4.04 | 0.03 | 0.54 | 3.17 | 4.96 | 8.98 | 7.83 | 5.69 | 6.61 | 6.55 |
| Debt: Medium to Long Duration | 5.35 | 0.06 | 0.77 | 4.39 | 6.32 | 10.76 | 8.65 | 6.77 | 7.60 | 7.44 |
| Rank within category | 3 | 1 | 4 | 2 | 3 | 2 | 5 | 8 | 11 | 10 |
| Number of funds in category | 14 | 14 | 14 | 14 | 14 | 13 | 13 | 13 | 13 | 13 |
Peer Comparison of HDFC Income Fund
| Rating | 1 Year Returns | 3 Year Returns | 5 Year Returns | Expense Ratio (%) | Net Assets (Rs Cr) | Return Since Launch (%) | Exit Load (Days) | Fund Age | |
| HDFC Income Dir | 3 star | 11.32 | 9.00 | 6.57 | 0.80 | 930 | 7.53 | — | 12Y 4M |
| ICICI Pru Bond Dir | 4 star | 11.23 | 9.25 | 7.23 | 0.62 | 2,858 | 8.35 | — | 12Y 4M |
| SBI Magnum Income Dir | 4 star | 10.86 | 8.99 | 7.33 | 0.77 | 1,942 | 8.36 | 1.00 (365) | 12Y 4M |
| ABSL Income Dir | 3 star | 10.68 | 8.40 | 6.91 | 0.74 | 2,304 | 8.11 | — | 12Y 4M |
| Kotak Bond Dir | 3 star | 10.97 | 9.02 | 7.02 | 0.70 | 2,130 | 8.04 | — | 12Y 4M |
Portfolio Breakup
| Fund | Category | |
| Number of Securities | 30 | 23 |
| Macaulay Duration (yrs) | 6.90 | 6.72 |
| Average Maturity (yrs) | 12.02 | 12.12 |
| Yield to Maturity (%) | 6.66 | 6.78 |
| Avg Credit Rating | AAA | — |
Chanakya’s Mutual Fund Guidance For HDFC Income Fund
WILL Post Soon
Disclaimer: Mutual fund investments are subject to market risks. Read all scheme related documents carefully
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