HDFC Mutual Fund
HDFC Medium Term Debt Fund Option6.7Q1★4
- NAV
- ₹64.73
- Expense
- 0.67%
- AUM
- ₹387252.5 L Cr
- 1Y
- +5.7%
- 3Y
- +7.8%
- 5Y
- +6.9%
#1 of 6
Min SIP: ₹100Ideal: 3-4 years
HDFC Mutual Fund
| 1W | 1M | 3M | 6M | 1Y | 3Y | 5Y | 10Y |
|---|---|---|---|---|---|---|---|
| -0.22% | +0.55% | +0.64% | +0.88% | +1.60% | +6.63% | +5.76% | +6.43% |
Breakdown
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.
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.
💡 Higher Sharpe = better risk-adjusted returns. Above 1.0 is good, above 2.0 is excellent. Drawdown is the worst peak-to-trough decline.
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.
Estimated corpus
₹3.48 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 1.6% · Risk (std dev) 2.7%
Safe but slow
Stable but modest returns — suits capital preservation.
Sharpe ratio of -1.82 confirms poor risk-adjusted returns.
Use the SIP Calculator with this fund's historical CAGR to project a monthly investment.
HDFC Mutual Fund
HDFC Medium Term Debt Fund OptionDSP Mutual Fund
DSP Bond💡 Ratings are not guarantees. Past performance does not predict future results.
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.
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.
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.
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.
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