Nippon India Mutual Fund
Nippon India Short Duration Fund Growth Plan Option
7.0Q1★5
- NAV
- ₹61.35
- Expense
- 0.37%
- AUM
- ₹8.4 K Cr
- 1Y
- +5.8%
- 3Y
- +7.7%
- 5Y
- +6.8%
#1 of 4
Min SIP: ₹100Ideal: 1-3 yearsLow to Moderate Risk
HDFC Mutual Fund
HDFC Short Term Debt Fund - Growth Option - Direct Plan
3Y returns
7.6%
past performance*
5Y returns
6.6%
past performance*
0.40%Expense ratio
₹17.3K CrFund size
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*Past performance does not guarantee future returns. Returns are historical and subject to market risk.
NAV₹35.25
1D—
Expense0.4%
AUM₹17.3K Cr
Min SIP₹100
Min Lumpsum₹100
Trailing returns (CAGR)
| 1W | 1M | 3M | 6M | 1Y | 3Y | 5Y | 10Y |
|---|---|---|---|---|---|---|---|
| -0.02% | +0.66% | +1.31% | +2.19% | +5.67% | +7.62% | +6.63% | +7.52% |
🎯 OnePaisa Verdict
6.1/ 10
AverageBreakdown
- Returns7/10
- Consistency6/10
- Risk1/10
- Cost9/10
- Size9/10
- Very low expense ratio (0.4%) — more of your money compounds for you
- Large, well-established fund (₹17K Cr AUM)
- 5★ 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
+5.23%
₹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.
vs Category (Short Duration)
This fund (1Y)
+5.67%
Rank #2 of 4
Category average (1Y)
+5.49%
Quartile Q2
Beats 50% of short duration funds on 1Y return.
Risk Analysis
- Std Deviation (1Y)0.97%Low
- Max Drawdown (1Y)-0.41%Low
- Sharpe Ratio (1Y)-0.86Poor
- Sortino Ratio (1Y)-0.87Poor
💡 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
+4.38%
2025
+1.23%
2026
💰 What This Fund Costs You
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.
🎯 Is This Fund Right For You?
- Ideal horizon
- 1-3 years
- Minimum: 1 year
- Risk profile
- Moderate
- SIP recommended
- ➖ Lump sum preferred
- Lump sum
Duration of 1-3 years. Affected by rate movements but relatively stable.
Suitable goals
- Medium-term parking (1-3 years)
- FD alternative
- Debt allocation in portfolio
Suitable for
- Those wanting FD-like stability with slightly better returns
- Conservative investors with 1-3 year goals
Not suitable for
- Equity-like return expectations
- Very short-term needs
🧾 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
Poor risk-adjusted returns
Sharpe ratio of -0.86 means you’re not being adequately compensated for the risk taken.
📊 SIP Calculator — HDFC Short Term Debt Fund Option
Estimated corpus
₹3.57 L
- Total invested
- ₹3.00 L
- Estimated gain
- ₹56,516 (+19%)
▮ Invested▮ Gains
How it stacks up vs alternatives
- Fixed Deposit (7%)₹3.60 L
- Category average (7.4%)₹3.64 L
- This fund (6.63%)₹3.57 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 5.7% · Risk (std dev) 1.0%
SweetGrowthSlowAvoidLow riskHigh risk
Safe but slow
Stable but modest returns — suits capital preservation.
Sharpe ratio of -0.86 confirms poor risk-adjusted returns.
🛡️ Downside Protection
If the broader market falls 20%, this fund is expected to fall about 0.5%.
Based on 1Y max drawdown of -0.4% versus a typical market correction of ~-15%. Historical fall ratio ≈ 0.03× 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 (0.40%)₹94.66 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 ₹12.90 L. Index fund would still beat it by ₹3.91 L thanks to its lower expense ratio.
Fund information
- Scheme category
- Debt Scheme - Short Duration Fund
- Benchmark
- CRISIL Short Dur Debt A-II TR INR
- Inception
- 2013-01-01
- Lock-in
- None
- Exit load
- -
- Plan
- Direct
- Option
- Growth
Data freshness
- NAV as of: 2026-10-23
- Metrics calculated: 2026-10-24
- 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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