HDFC Mutual Fund
HDFC Medium Term Debt Fund Option
6.7Q1★4
- NAV
- ₹65.81
- 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 yearsModerately High risk
HDFC Mutual Fund
HDFC Income Fund - Growth Option - Direct Plan
3Y returns
6.6%
past performance*
5Y returns
5.8%
past performance*
0.80%Expense ratio
₹856 CrFund size
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*Past performance does not guarantee future returns. Returns are historical and subject to market risk.
NAV₹66.53
1D—
Expense0.8%
AUM₹856 Cr
Min SIP₹100
Min Lumpsum₹100
Trailing returns (CAGR)
| 1W | 1M | 3M | 6M | 1Y | 3Y | 5Y | 10Y |
|---|---|---|---|---|---|---|---|
| -0.22% | +0.55% | +0.64% | +0.88% | +1.60% | +6.63% | +5.76% | +6.43% |
🎯 OnePaisa Verdict
4.3/ 10
Below AverageBreakdown
- Returns3/10
- Consistency6/10
- Risk1/10
- Cost7/10
- Size6/10
- 4★ Morningstar rating
💡 Ratings are not guarantees. Past performance does not predict future results.
SIP Returns
Simulated ₹10,000/month systematic investment plan, computed from NAV history.
1 Year SIP
+2.23%
₹1.21 L value on ₹1.20 L invested
3 Year SIP
—
Not enough NAV history yet.
5 Year SIP
—
Not enough NAV history yet.
vs Category (Medium Duration)
This fund (1Y)
+1.60%
Rank #6 of 6
Category average (1Y)
+2.88%
Quartile Q4
Beats 0% of medium duration funds on 1Y return.
Risk Analysis
- Std Deviation (1Y)2.69%Low
- Max Drawdown (1Y)-2.16%Low
- Sharpe Ratio (1Y)-1.82Poor
- Sortino Ratio (1Y)-1.85Poor
💡 Higher Sharpe = better risk-adjusted returns. Above 1.0 is good, above 2.0 is excellent. Drawdown is the worst peak-to-trough decline.
Calendar Year Returns
+1.49%
2025
+0.34%
2026
💰 What This Fund Costs You
Expense ratio: 0.80%
That is ₹800 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.
🎯 Is This Fund Right For You?
- Ideal horizon
- 3-4 years
- Minimum: 2 years
- Risk profile
- Moderate
- SIP recommended
- ➖ Lump sum preferred
- Lump sum
Duration of 3-4 years. Higher rate sensitivity than short duration.
Suitable goals
- Medium-term debt allocation
Suitable for
- Investors with 3-4 year horizon
Not suitable for
- Short-term investors
- Risk-averse investors
🧾 Taxation
This is an Debt Fund.
- Short-term (Less than 2 years (listed) / 3 years (unlisted))
- As per income tax slab
- Long-term (2 years or more (listed))
- 12.5%
- LTCG exemption
- No exemption
- TDS
- No TDS for resident Indians on redemption
💡 Worked example
Invest ₹1,00,000 and gain ₹25,000 over 2 years:
- Tax type: LTCG (12.5% LTCG)
- Taxable gain: ₹25,000
- Tax owed: ₹3,125
- You keep: ₹1,21,875
Post-Budget 2025: listed debt funds held over 2 years qualify for 12.5% LTCG (no indexation). Unlisted debt funds need 3 years.
🚨 Things to Watch
Bottom quartile performer
Ranked #6 of 6 in its category (bottom 25%). Most peers are doing better.
Poor risk-adjusted returns
Sharpe ratio of -1.82 means you’re not being adequately compensated for the risk taken.
📊 SIP Calculator — HDFC Income Fund Option
Estimated corpus
₹3.48 L
- Total invested
- ₹3.00 L
- Estimated gain
- ₹48,371 (+16%)
▮ Invested▮ Gains
How it stacks up vs alternatives
- Fixed Deposit (7%)₹3.60 L
- Category average (6.9%)₹3.59 L
- This fund (5.76%)₹3.48 L
⚠️ Projection based on past CAGR. Actual returns may vary. Markets are subject to risk; past performance is not a guarantee of future results.
▶Show Advanced Analysis
📈 Risk vs Return
Return 1.6% · Risk (std dev) 2.7%
SweetGrowthSlowAvoidLow riskHigh risk
Safe but slow
Stable but modest returns — suits capital preservation.
Sharpe ratio of -1.82 confirms poor risk-adjusted returns.
🛡️ Downside Protection
If the broader market falls 20%, this fund is expected to fall about 2.9%.
Based on 1Y max drawdown of -2.2% versus a typical market correction of ~-15%. Historical fall ratio ≈ 0.14× market. Above-average protection.
⚠️ Estimate, not a guarantee. Actual market falls vary.
💸 Expense Impact (₹10K/month for 20 years at 12% gross)
- This fund — Direct (0.80%)₹89.72 L
- Index fund (0.10%)₹98.57 L
- Regular plan (~1.50%)₹81.76 L
Choosing this Direct plan over a Regular plan saves about ₹7.96 L. Index fund would still beat it by ₹8.85 L thanks to its lower expense ratio.
Fund information
- Scheme category
- Debt Scheme - Medium to Long Duration Fund
- Benchmark
- CRISIL Med to Long Dur Debt A-III TR INR
- Inception
- 2013-01-01
- Lock-in
- None
- Exit load
- -
- Plan
- Direct
- Option
- Growth
Data freshness
- NAV as of: 2026-10-22
- Metrics calculated: 2026-10-23
- Source: mfapi.in, AMFI India
NAV trend
See how a SIP grows in this fund
Use the SIP Calculator with this fund's historical CAGR to project a monthly investment.
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