HDFC Mutual Fund
HDFC Gilt Fund Option6.1Q24
- NAV
- ₹59.55
- Expense
- 0.46%
- AUM
- ₹271092.2 L Cr
- 1Y
- +0.3%
- 3Y
- +6.4%
- 5Y
- +5.5%
#2 of 5
Min SIP: ₹100Ideal: 3-5 years
Franklin Templeton Mutual Fund
| 1W | 1M | 3M | 6M | 1Y | 3Y | 5Y | 10Y |
|---|---|---|---|---|---|---|---|
| +0.05% | +0.86% | +0.97% | +1.97% | +2.19% | +6.24% | +5.40% | +6.18% |
Breakdown
Simulated ₹10,000/month systematic investment plan, computed from NAV history.
1 Year SIP
+4.32%
₹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)
+2.19%
Rank #1 of 5
Category average (1Y)
+0.03%
Quartile Q1 ★ Top 25%
Beats 80% of gilt 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.
Poor risk-adjusted returns
Sharpe ratio of -1.31 means you’re not being adequately compensated for the risk taken.
Estimated corpus
₹3.45 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 2.2% · Risk (std dev) 3.3%
Safe but slow
Stable but modest returns — suits capital preservation.
Sharpe ratio of -1.31 confirms poor risk-adjusted returns.
Use the SIP Calculator with this fund's historical CAGR to project a monthly investment.
HDFC Mutual Fund
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Expense ratio: 0.63%
That is ₹630 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.
Government securities — zero credit risk but HIGH interest-rate sensitivity. Can gain 15%+ when rates fall, or lose 10%+ when rates rise.
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.
If the broader market falls 20%, this fund is expected to fall about 4.2%.
Based on 1Y max drawdown of -3.2% versus a typical market correction of ~-15%. Historical fall ratio ≈ 0.21× market. Above-average protection.
⚠️ Estimate, not a guarantee. Actual market falls vary.
Choosing this Direct plan over a Regular plan saves about ₹10.02 L. Index fund would still beat it by ₹6.79 L thanks to its lower expense ratio.
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