HDFC Debt Fund

HDFC Debt fund is a collection of funds that offer investment in debts, money markets, short-term and long-term Bonds, etc. HDFC provides a range of debt funds suitable for low-risk investors.

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An Overview: HDFC Debt Fund

HDFC Asset Management Company Ltd was launched in 1999 and has provided its investors or clients with credible services. This fund house is one of the most trusted asset management houses in India. The place promises to cater to the needs of any financial goals of their investors efficiently.

These funds provide a good opportunity for investment if one has surplus cash to park for a short period. Investors have the opportunity to invest in short-term, mid-term, and even long-term Investment plans through any of these debt funds. 

HDFC Mutual Fund has been a promising house of serving its investors' financial goals, whether short, medium, or long-term investments. However, every individual has risk capacity and requirements. Therefore, the house has provided its investors with various funds that serve every individual's risk tolerance. 

Why HDFC Debt Fund?

HDFC Debt Fund is an innovative scheme for individuals who want to invest their idle money for a short period. The following are some of the key reasons for investing in HDFC Debt Fund:

  1. Investment Amount

    The debt funds allow the investors to invest with a minimum amount of Rs 5000 and a minimum SIP amount of Rs 500. So the fund remains affordable.

  2. Rating

    HDFC has been trustworthy and efficient in acknowledging their investors' difficulties and needs. CRISIL rating of three and above is evidence that many of the AMC schemes have been doing well.

  3. Wide Range of Options

    HDFC provides its investors with a wide range of debt fund options to choose from. Short-term fund schemes and long-term and mid-term investment horizons are available in the HDFC Mutual Fund house.

HDFC Debt Fund Investment Facts

The table below shows the HDFC Fund investment facts that one should ideally know:

Parameter

Details

Fund House

HDFC Mutual Fund

Date of Launch

25th June 2010

Type

Open-Ended

Minimum Investment

Rs 5000

Minimum SIP Investment

Rs 500

Exit Load

NIL

Return Performance

Moderately High

Fund Consistency

Average 

Risk Level

Moderately Low

HDFC Debt Fund Summary

As we already know, HDFC Mutual Fund provides investors with a wide range of options, and debt funds are no exception. It can get quite complicated for the investors to choose a credible and suitable scheme from those options. So this segment will be mentioning some low-risk, moderate-risk, short-term, and long-term HDFC Debt Mutual Funds which has been rated efficient:

Risk Level

Low

NAV

INR 18.1075

Expense Ratio

0.26

Yield to Maturity

5.6%

Sharpe Ratio

1.87

  1. HDFC Banking and PSU Debt Fund (Growth)

    This fund will allow the investors to earn regular incomes by investing in debt and monetary marketing instruments and securities issued by Public Sector undertakings and Scheduled Commercial Banks. 

    Risk Level

    Low

    NAV

    INR 25.3064

    Expense Ratio

    0.44

    Yield to Maturity

    5.42%

    Sharpe Ratio

    1.71

  2. HDFC Corporate Bond Fund (Growth)

    This fund provides the investors with opportunities to generate regular income by investing in debt, money marketing, and government securities for a maximum time of 60 months.

    Risk Level

    Moderate

    NAV

    INR 18.6563

    Expense Ratio

    1.64

    Yield to Maturity

    7.57%

    Sharpe Ratio

    3.45

  3. HDFC Credit Risk Debt Fund (Growth)

    This scheme allows the investors to get regular low-risk income by investing in corporate debt securities.

    Risk Level

    Moderate

    NAV

    INR 68.4783

    Expense Ratio

    1.85

    Yield to Maturity

    5.43%

    Sharpe Ratio

    1.25

  4. HDFC Dynamic Debt Fund (Growth)

    This fund allows yielding maximum low-risk returns while maintaining the liquidity and safety of the investments.

    Risk Level

    Moderate

    NAV

    Rs 38.84 68.4783

    Expense Ratio

    0.23

    Yield to Maturity

    5.10

  5. HDFC Floating Rate Debt Fund Direct Plan (Growth)

    It is one of the most remarkable debt mutual funds that have outperformed other debt funds while investing in debt securities.

    Risk Level

    Moderate

    NAV

    INR 43.8743

    Expense Ratio

    0.9

    Yield to Maturity

    5.37%

    Sharpe Ratio

    0.34

  6. HDFC Gilt Fund (Growth)

    This fund allows the investors to avail themselves of the low-risk tolerance returns upon investing in Central Government Securities or State Government Securities.

    Risk Level

    Moderate

    NAV

    INR 47.084

    Expense Ratio

    2.13

    Yield to Maturity

    6.02%

    Sharpe Ratio

    0.69

  7. HDFC Income Fund (Growth)

    This fund allows the investors to gain regular earnings while maintaining the investment liquidity over a medium-term horizon.

    Risk Level

    Moderate

    NAV

    INR 4074.84

    Expense Ratio

    0.20

    Yield to Maturity

    3.48%

    Sharpe Ratio

    1.40

  8. HDFC Liquid Direct Plan (Growth)

    This is the most remarkable debt mutual fund if you are looking for low-risk investments while maintaining the liquidity of your assets.

    Risk Level

    Moderate

    NAV

    INR 44.2032

    Expense Ratio

    1.29

    Yield to Maturity

    6.64%

    Sharpe Ratio

    2.39

  9. HDFC Medium Term Debt Fund (Growth)

    This fund maximizes your money by investing in debt and monetary marketing securities with the availability of short-term investment horizons.

    Risk Level

    Low

    NAV

    INR 24.9268

    Expense Ratio

    0.4

    Yield to Maturity

    5.32%

    Sharpe Ratio

    2.07

  10. HDFC Short Term Debt Fund (Growth)  

    In this fund, the investment horizon does not exceed 36 months, so if you are looking for a short-term fund that will allow you to maximize your money.

*All savings are provided by the insurer as per the IRDAI approved insurance plan. Standard T&C Apply

Fund Returns Summary

Return Rates up to 1 year are calculated on an Absolute Basis, whereas for more than one year are evaluated on Compound Annual Growth Rate Basis.

HDFC Banking and PSU Fund (Growth)

Duration

Returns

1 Month

0.4 %

3 Months

2.2 %

1 Year

6.9 %

3 Years

9 %

5 Years

8.1 %

HDFC Corporate Bond Fund (Growth)

Duration

Returns

1 Month

0.4 %

3 Months

2.5 %

1 Year

6.9 %

3 Years

9.4 %

5 Years

8.5 %

HDFC Credit Risk Debt Fund (Growth)

Duration

Returns

1 Month

0.8 %

3 Months

3.1 %

1 Year

11.8 %

3 Years

9.1 %

5 Years

8.3 %

HDFC Dynamic Debt Fund (Growth)

Duration

Returns

1 Month

0.2 %

3 Months

1. %

1 Year

5.3 %

3 Years

5.6 %

5 Years

5.7 %

HDFC Floating Rate Debt Fund Direct Plan(Growth)

Duration

Returns

1 Month

0.43 %

3 Months

1.78 %

1 Year

6.84 %

3 Years

7.92 %

5 Years

7.7 %

HDFC Gilt Fund (Growth)

Duration

Returns

1 Month

0.2 %

3 Months

2.2 %

1 Year

3.7 %

3 Years

8.1 %

5 Years

7.3 %

HDFC Income Fund (Growth)

Duration

Returns

1 Month

0.2 %

3 Months

2.2 %

1 Year

4.7 %

3 Years

7.6 %

5 Years

6.5 %

HDFC Liquid Direct Plan (Growth)

Duration

Returns

1 Month

0.29 %

3 Months

0.82 %

1 Year

3.21 %

3 Years

5.4 %

5 Years

6 %

HDFC Medium Term Debt Fund (Growth)

Duration

Returns

1 Month

0.5 %

3 Months

2.9 %

1 Year

9.4 %

3 Years

8.5 %

5 Years

7.9 %

HDFC Short Term Debt Fund (Growth)

Duration

Returns

1 Month

0.4 %

3 Months

2.2 %

1 Year

7.1 %

3 Years

8.9 %

5 Years

8.2 %

Who Should Invest in HDFC Debt Fund?

It is better to get a crystal clear view of what HDFC Debt Funds offer you and whether this kind of mutual fund scheme will be suitable for you or not. Therefore, this segment will mention the different details that you must consider before investing in a mutual debt fund:

  1. Low-Risk Appetite

    If one has a low-risk capacity and does not want to take any high risk for investing in any mutual fund schemes, then the debt fund schemes will be the best option. The investments will continue to grow and provide regular incomes without worrying about the market trends.

  2. Flexibility

    The HDFC Debt Funds allow one to remain fluid with one’s investment options with the SIP service. One just needs to provide the bank with an amount that must be deducted and invested in the scheme regularly. So with the SIP service, one can make investments flexibly.

  3. Short-term Financial Goals

    If one has financial goals planned for a short period and is willing to invest in mutual fund schemes with a short maturity period, then Debt MFs will be the best option. There are many situations where sudden withdrawal of money takes place, and HDFC Debt Funds come with no exit load to withdraw one’s investment during emergencies without paying any additional charges.

  4. Comprehensive Investment Portfolio

    If you have a high-risk appetite and have already invested in high-risk profile MFs and want to secure some money with higher returns, then investing in a debt fund scheme will be the best option for you. 

*All savings are provided by the insurer as per the IRDAI approved insurance plan. Standard T&C Apply

Wrapping it Up

HDFC Debt Fund will allow the investors to utilize their money and get regular income with higher returns. If you are someone with very low-risk tolerance and want to invest in mutual funds, then debt funds will be the best option. 

HDFC provides you with a diverse range of fund options to choose from so that the fluidity is not compromised.

FAQ's

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