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Home Mf Research Hdfc Income Fund Regular Plan Growth
HDFC Mutual Fund

HDFC Income Fund - Regular Plan - Growth

Debt Debt Medium To Long Duration
Fund House : HDFC Mutual Fund
Overview
Returns
Portfolio
SIP Calculator
Analysis
Peer Comparison
Fund Family
Scheme Details
-
-
  • 1W
  • 2W
  • 1M
  • 3M
  • 6M
  • 1Y
  • 3Y
  • 5Y
  • 10Y
  • SI
NAV (as on 2025-06-12)
58.25 0.04%
Fund Size (Total Assets)
-
Expense Ratio (Regular)
1.39%
Expense Ratio (Direct)
0.80%
SIP Returns
Period Invested for ₹1000 SIP Started on Investments Latest Value Abs. Returns
One Week 2025-06-05 ₹1,000.00 ₹989.49
-1.05 %
Two Week 2025-05-28 ₹1,000.00 ₹987.87
-1.21 %
One Month 2025-05-13 ₹1,000.00 ₹996.32
-0.37 %
Three Months 2025-03-17 ₹3,000.00 ₹3,025.06
0.84 %
Six Months 2024-12-16 ₹6,000.00 ₹6,153.69
2.56 %
One Year 2024-06-12 ₹12,000.00 ₹12,579.93
4.83 %
Three Year 2022-06-13 ₹36,000.00 ₹40,860.71
13.50 %
Five Year 2020-06-15 ₹60,000.00 ₹70,807.20
18.01 %
Ten Year 2015-06-15 ₹120,000.00 ₹164,074.98
36.73 %
Since Inception 2000-09-11 ₹302,000.00 ₹754,387.27
149.80 %
Portfolio Summary
Company Name Sector Sector Type Nav(in %)
7.18% GOI MAT 240737 - Debt 18.99
7.41% GOI MAT 191236 - Debt 11.36
7.54% GOI MAT 230536 - Debt 10.91
7.23% GOI MAT 150439 - Debt 8.44
6.79% GOI MAT 071034 - Debt 4.35
6.92% GOI MAT 181139 - Debt 2.75
7.59% GOI MAT 071231 - Debt 2.68
Floating Rate GOI 2034 - Debt 2.68
7.25% GOI MAT 120663 - Debt 2.21
6.33% GOI MAT 050535 - Debt 1.91
7.09% GOI MAT 050854 - Debt 1.63
7.1% GOI MAT 080434 - Debt 1.53
7.34% GOI MAT 220464 - Debt 1.12
7.3% GOI MAT 190653 - Debt 1.11
6.68% GOI MAT 170931 - Debt 1.08
7.09% GOI MAT 251174 - Debt 1.08
6.9% GOI MAT 150465 - Debt 0.53
6.62% GOI MAT 281151 - Debt 0.52
6.72% Gujarat SDL - ISD 090621 Mat 090630 - Debt 0.14
7.95% GOI MAT 280832 - Debt 0.04
6.19% GOI MAT 160934 - Debt 0.03
NTPC Limited - Debt 1.10
Bajaj Housing Finance Ltd. - Debt 2.64
India Grid Trust - Debt 2.43
National Bank for Agri & Rural Dev. - Debt 2.17
State Bank of India - Debt 1.68
LIC Housing Finance Ltd. - Debt 1.61
Altius Telecom Infrastructure Trust - Debt 1.07
Embassy Office Parks REIT Realty Real Estate 0.42
TREPS - Tri-party Repo - Debt 1.24
Corporate Debt Market Development Fund - - 0.25
Net Current Assets - - 1.75
HDFC Corporate Bond Fund - Growth Option - Direct Plan - Debt 60.28
HDFC ARBITRAGE FUND - Direct Plan - Wholesale Growth Option - Debt 38.76
Net Current Assets - Debt -0.28
SIP Calculator
Risk Ratios
Standard Deviation
-
Beta
-
Sharpe Ratio
-
Lock In Period
-
Residual Maturity
11.16
Standard Deviation:
Standard deviation numbers measure the variability or volatility of a fund's returns over a specific time period (often 3 years).
  • Low standard deviation = Stable, predictable returns → Suitable for conservative investors seeking stability.
  • High standard deviation = High volatility, more risk → Be cautious, suitable for risk-tolerant investors who can handle fluctuations.
Beta:
Beta measures a fund's volatility about the market or a benchmark. A lower beta means the fund's performance is less sensitive to market movements, making it more predictable compared to the market.
  • Low beta = Less sensitive to market changes → Great for investors with less market exposure.
  • High beta = More sensitive to market changes → Better for aggressive investors who seek higher returns but can handle market risks.
Sharpe Ratio:
The Sharpe Ratio measures how much return a fund has made compared to the risk it carries. A higher Sharpe ratio indicates better returns relative to the risk taken, meaning the fund delivers more efficiently.
  • A higher Sharpe ratio indicates better risk-adjusted returns → Look for funds with higher ratios for better return efficiency.
  • Use it to compare different funds' efficiency in generating returns relative to the risk taken.
Lock-In Period:

India's "lock-in period" in mutual funds encourages long-term investment, particularly in tax-saving schemes preventing redemption or selling of units.

Lock-in times for various investment types

  • Most ELSS mutual fund holders hold for 3 years.
  • Tax savings FDs lock in for 5 years.
  • The lock-in period for 8% Government of India bond investment is 6 years.
  • ULIPs must be locked in for 5 years.
  • The average hedge fund holding period is 30-90 days.
  • The average PPF investor holds onto their money for 15 years.
Residual Maturity:

Residual maturity is the remaining time until a security reaches its maturity date. It is an important factor for investors to consider when evaluating the risk associated with an investment.

There are two different types of residual maturity.

  • Short-term residual maturity: This occurs when a security has less than a year left on its maturity.
  • Long-term residual maturity: This occurs when a security has more than a year left on its remaining maturity.
Scheme Details
  • Fund manager(s) : Shobhit Mehrotra (over 31 years), Dhruv Muchhal (over 10 years),
  • Expense ration regular : 1.39
  • Expense ration direct : 0.80
  • Launch date : -
  • Benchmark : -
  • Min SIP amount : -
  • Max SIP amount : -
  • Min investment amount (one time- first time) : ₹100.00
  • Type : debt
Exit load
Nil

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