Sharpe ratio
0.16Return earned for the risk taken.
Moderate
Moderate risk-adjusted returns. The reward for risk has been average.
+3.15%1Y Absolute Return
-0.17%1D
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Past performance is not an indicator of future returns.
Returns calculator comparison
Compare an illustrative investment outcome across return assumptions.
| Asset | Projected corpus | Total invested | Gain | Annual return |
|---|---|---|---|---|
| HDFC Income Fund - Growth Option - Direct PlanFund 5Y annualised return | ₹8,39,626 | ₹7,32,612 | ₹1,07,014 | +5.67% |
| EPFIllustrative annual assumption | ₹8,95,132 | ₹7,32,612 | ₹1,62,520 | +8.25% |
| Residential propertyIllustrative annual assumption | ₹8,67,662 | ₹7,32,612 | ₹1,35,050 | +7.00% |
| PPFIllustrative annual assumption | ₹8,69,819 | ₹7,32,612 | ₹1,37,207 | +7.10% |
| Bank fixed depositIllustrative annual assumption | ₹8,56,981 | ₹7,32,612 | ₹1,24,369 | +6.50% |
| GoldIllustrative annual assumption | ₹8,67,662 | ₹7,32,612 | ₹1,35,050 | +7.00% |
| Savings accountIllustrative annual assumption | ₹7,86,827 | ₹7,32,612 | ₹54,215 | +3.00% |
Illustration only. Fund results use the available NAV-derived annualised return and can be negative. Reference rows are assumptions, not current quoted rates or guaranteed returns; property excludes transaction costs, taxes, and liquidity constraints. Mutual fund investments are subject to market risk.
Wealth multiple
₹1 became₹1.07
₹1 Lakh since launch₹1.07 Lakh
Fund age13.9 yrs
Fund information
Scheme code119069
ISININF179K01WL3
BenchmarkCRISIL Medium to Long Duration Debt A-III Index
CategoryDebt Scheme - Medium to Long Duration Fund
Expense ratio0.80%
Exit loadNil
Minimum SIP₹100 SIP
Return comparison
23rd / 101 in category| Period | Fund | Benchmark | Category avg |
|---|---|---|---|
| 1M | +8.20% | — | — |
| 3M | -5.28% | — | — |
| 6M | +5.20% | — | — |
| 1Y | +3.15% | — | +1.72% |
| 3Y | +6.58% | — | +4.29% |
| 5Y | +5.67% | — | +4.03% |
| 10Y | +5.66% | — | — |
| Since Launch | +6.94% | — | — |
Risk-adjusted performance
Every measure is expanded with a plain-language reading of the latest calculated value.
Sortino ratio
0.24Return earned while limiting downside risk.
Moderate
Moderate downside risk-adjusted performance.
Standard deviation
2.75%How much the fund’s returns fluctuate over time.
Low volatility
Returns have been relatively stable.
Beta
—How closely the fund moves with the market.
Unavailable
This measure needs sufficient fund and benchmark history to calculate.
Alpha
—Extra return generated above the benchmark.
Unavailable
This measure needs sufficient fund and benchmark history to calculate.
Treynor ratio
—Return earned for each unit of market risk taken.
Unavailable
This measure needs sufficient fund and benchmark history to calculate.
Calmar ratio
0.65How well the fund rewarded investors relative to its biggest decline.
Good
Good return relative to the drawdowns experienced.
Information ratio
—How consistently the fund outperformed its benchmark.
Unavailable
This measure needs sufficient fund and benchmark history to calculate.
Portfolio allocation
Latest disclosed portfolio mix
Asset allocation
Portfolio100%
Debt96.35%
Cash3.10%
Real Estate0.55%
Market cap allocation
Market-cap classifications were not present in the latest portfolio disclosure.
Sector allocation
Equity exposure by sector
Top holdings
10 of 36 disclosed positions
| Holding | Sector | Instrument type | Weight |
|---|---|---|---|
| GOVERNMENT OF INDIA 36185 GOI 07JL40 6.68 FV RS 100 | Entities | GOI Securities | 18.75% |
| GOVERNMENT OF INDIA 37426 GOI 11MY36 6.94 FV RS 100 | Entities | GOI Securities | 9.13% |
| GOVERNMENT OF INDIA 36320 GOI 18AG55 7.24 FV RS 100 | Entities | GOI Securities | 7.14% |
| GOVERNMENT OF INDIA 35840 GOI 15AP65 6.9 FV RS 100 | Entities | GOI Securities | 5.58% |
| GOI Sec 7.23 15/04/2039 | Entities | GOI Securities | 4.93% |
| HDB FINANCIAL SERVICES LIMITED SR 246 8.2301 NCD 05JL29 FVRS1LAC | Financial | Debenture | 4.25% |
| SMFG INDIA CREDIT COMPANY LIMITED SR 118 8.15 NCD 19JU29 FVRS1LAC | Financial | Non Convertible Debenture | 4.2% |
| NTPC LIMITED SERIES 67 8.30 LOA 15JN29 FVRS10LAC | Energy & Utilities | Debenture | 3.09% |
| CENTRAL GOVERNMENT LOAN 20388 GOI 07DC31 FLT FV RS 100 | Entities | GOI Securities | 3.08% |
| 7.62% Uttarakhand SDL ISD 170626 Mat 170635^ | Unspecified | State Development Loan | 3.03% |
Fund management
DH
Dhruv Muchhal
Since 2023 · Prior to joining HDFC MF,he has worked with Motilal Oswal Financial Services Ltd., Goldman Sachs, CRISIL Global Research & Analytics and Deloitte Haskins & Sells
Mr. Dhruv has done B.Com, CA and CFA
AN
Anupam Joshi
Since 2026 · Prior to joining HDFC Mutual Fund he has worked with IDFC AMC, Principal Asset Management Company and ICAP India Pvt. Ltd.
Mr. Joshi is a PGDM in Business Management.
Compare similar funds
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Summary
A moderate-risk debt scheme - medium to long duration fund. Ranks 23 of 101 in its category over 1 year. Top 10 holdings make up 63% — a handful of stocks can swing returns sharply.
Strengths
- Ranks 23 of 101 in its category over 1 year.
Weaknesses
- Top 10 holdings make up 63% — a handful of stocks can swing returns sharply.
- Has fallen sharply before — down -10.6% at its worst.
Ideal investor
- Needs a 1–3 years depending on duration horizon to ride out its moderate risk level.
Risk drivers
- Top 10 holdings = 63% of the portfolio.
- Entities makes up 59% — trouble in that sector hits the whole fund.