HDFC Mutual Fund
HDFC Medium Term Debt Fund Option
6.7Q1★4
- NAV
- ₹65.52
- Expense
- 0.67%
- AUM
- ₹3.9 K Cr
- 1Y
- +5.7%
- 3Y
- +7.8%
- 5Y
- +6.9%
#1 of 6
Min SIP: ₹100Ideal: 3-4 years
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*Past performance does not guarantee future returns. Returns are historical and subject to market risk.
| 1W | 1M | 3M | 6M | 1Y | 3Y | 5Y | 10Y |
|---|---|---|---|---|---|---|---|
| -0.11% | +0.82% | +1.23% | +1.53% | +4.68% | +7.28% | +6.21% | +6.48% |
Breakdown
💡 Ratings are not guarantees. Past performance does not predict future results.
Simulated ₹10,000/month systematic investment plan, computed from NAV history.
1 Year SIP
+4.15%
₹1.23 L value on ₹1.20 L invested
3 Year SIP
—
Not enough NAV history yet.
5 Year SIP
—
Not enough NAV history yet.
This fund (1Y)
+4.68%
Rank #2 of 6
Category average (1Y)
+2.88%
Quartile Q2
Beats 67% of medium duration funds on 1Y return.
💡 Higher Sharpe = better risk-adjusted returns. Above 1.0 is good, above 2.0 is excellent. Drawdown is the worst peak-to-trough decline.
Expense ratio: 0.40%
That is ₹400 per year on every ₹1 lakh invested.
10-year impact on ₹1 lakh (assuming 12% gross return)
Without this expense, ₹1 lakh would have grown to ₹3.11 L.
Portfolio holdings updated monthly
AMFI publishes scheme portfolios monthly. Check back after the next disclosure cycle for top holdings and sector allocation.
Duration of 3-4 years. Higher rate sensitivity than short duration.
This is an Debt Fund.
💡 Worked example
Invest ₹1,00,000 and gain ₹25,000 over 2 years:
Post-Budget 2025: listed debt funds held over 2 years qualify for 12.5% LTCG (no indexation). Unlisted debt funds need 3 years.
Poor risk-adjusted returns
Sharpe ratio of -1.33 means you’re not being adequately compensated for the risk taken.
Estimated corpus
₹3.53 L
How it stacks up vs alternatives
⚠️ Projection based on past CAGR. Actual returns may vary. Markets are subject to risk; past performance is not a guarantee of future results.
Return 4.7% · Risk (std dev) 1.4%
Safe but slow
Stable but modest returns — suits capital preservation.
Sharpe ratio of -1.33 confirms poor risk-adjusted returns.
If the broader market falls 20%, this fund is expected to fall about 1.1%.
Based on 1Y max drawdown of -0.8% versus a typical market correction of ~-15%. Historical fall ratio ≈ 0.06× market. Above-average protection.
⚠️ Estimate, not a guarantee. Actual market falls vary.
Choosing this Direct plan over a Regular plan saves about ₹12.90 L. Index fund would still beat it by ₹3.91 L thanks to its lower expense ratio.
Use the SIP Calculator with this fund's historical CAGR to project a monthly investment.
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