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HDFC Children's Fund Direct Plan
(Previously: HDFC Children Gift Fund) HDFC Children’s Gift Fund Direct Plan previously HDFC Children Gift Fund is a dedicated investment solution designed to help parents build a secure financial future for their children. Launched on 1 January 2013, it combines equity and debt investments to balance growth and stability. With over ₹10,307 crore in assets and a strong long-term track record, the fund aims to meet future educational and life goals effectively.
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About HDFC Children Gift Fund
The HDFC Children’s Fund Direct Plan is part of the Child Plan category offered by HDFC Mutual Fund. Introduced on 1 January 2013, it has built a history of over 12 years in the market. As of 31 July 2025, the scheme manages assets worth ₹10,307 crore, positioning it as a medium-sized option in its segment. Its NAV stood at ₹321.34 on 8 August 2025, with an expense ratio of 0.9%, which is competitively lower than many similar funds.
The portfolio is split between equity (65.52%) and debt (31.24%). Over the last year, the fund posted a return of 2.18%, while its long-term record since inception reflects an impressive 15.75% annualised growth—effectively doubling invested capital every five years. While it performs on par with most peers in terms of consistent returns, its risk control during market downturns is considered moderate.
Equity investments are diversified across sectors such as Financial, Technology, Capital Goods, Services, and Energy, with a slightly lower weighting in Financial and Technology than other funds in the category. On the debt side, the portfolio carries relatively low credit quality, indicating exposure to borrowers with weaker ratings.
The fund’s major holdings include ICICI Bank Ltd., Larsen & Toubro Ltd., Reliance Industries Ltd., Infosys Ltd., and eClerx Services Ltd., offering a blend of stability and growth potential for long-term wealth creation aimed at a child’s future needs.
Overview of HDFC Children Gift Fund
| Particulars | Details |
| Fund Name | HDFC Children's Fund Direct Plan (Previously: HDFC Children Gift Fund) |
| Fund House | HDFC Mutual Fund |
| Launched On | 10 Dec 1999 |
| Asset Under Management (AUM) | ₹10,307 Cr (as on Jul 31, 2025) |
| Benchmark Index | NIFTY 50 Hybrid Composite Debt 65:35 |
| Risk Category | Very High |
| Investment Objective | The scheme seeks to generate capital appreciation/income from a portfolio of equity & equity-related instruments and debt and money market instruments. |
| Net Asset Value (NAV) | ₹321.34 (as of Aug 08, 2025) |
| Asset Allocation |
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| Investment Amount | SIP: ₹500 & Lumpsum: ₹5000 |
| Lock-in | 5 years |
| Fund Manager |
|
| Exit Load | NIL |
*Fund NAV as of 11 August 2025
HDFC Children Gift Fund Returns
| Years | 1Y | 3Y | 5Y | All |
| Fund returns | 2.2% | 16.1% | 19.7% | 15.7% |
Top Holdings of HDFC Children Gift Fund
| Name | Sector | Instrument | Assets |
| HDFC Bank Ltd. | Financial | Equity | 8.85% |
| ICICI Bank Ltd. | Financial | Equity | 7.45% |
| GOI | Sovereign | GOI Sec | 4.67% |
| Larsen & Toubro Ltd. | Construction | Equity | 3.47% |
| Reliance Industries Ltd. | Energy | Equity | 3.35% |
| GOI | Sovereign | GOI Sec | 3.13% |
| Infosys Ltd. | Technology | Equity | 2.79% |
| eClerx Services Ltd. | Services | Equity | 2.73% |
| Kotak Mahindra Bank Ltd. | Financial | Equity | 2.59% |
| State Bank of India | Financial | Equity | 2.32% |
| GOI | Sovereign | GOI Sec | 2.26% |
| Aster DM Healthcare Ltd. | Healthcare | Equity | 2.21% |
| Tata Consultancy Services Ltd. | Technology | Equity | 2.08% |
| Bharti Airtel Ltd. | Communication | Equity | 1.83% |
| Akzo Nobel India Ltd. | Chemicals | Equity | 1.70% |
| United Spirits Ltd. | Consumer Staples | Equity | 1.56% |
| ITC Ltd. | Consumer Staples | Equity | 1.56% |
| Voltamp Transformers Ltd. | Capital Goods | Equity | 1.50% |
| Kirloskar Pneumatic Company Ltd. | Capital Goods | Equity | 1.48% |
| State Bank of India | Financial | Bonds | 1.46% |
| Finolex Cables Ltd. | Capital Goods | Equity | 1.40% |
| Transport Corporation Of India Ltd. | Services | Equity | 1.21% |
| Zensar Technologies Ltd. | Technology | Equity | 1.19% |
| Axis Bank Ltd. | Financial | Equity | 1.17% |
| GOI | Sovereign | GOI Sec | 1.16% |
| Sonata Software Ltd. | Technology | Equity | 1.14% |
| GOI | Sovereign | GOI Sec | 1.07% |
| Ipca Laboratories Ltd. | Healthcare | Equity | 1.06% |
| Bajaj Finance Ltd. | Financial | Debenture | 0.99% |
Invest More Get More
Invest ₹10K/Month YOU GET ₹1 Crores* For Your Child
Invest ₹8K/Month YOU GET ₹80 Lakhs* For Your Child
Invest ₹5K/Month YOU GET ₹50 Lakhs* For Your Child
Standard T&C Apply *
Sector Allocation of HDFC Children Gift Fund
| Sector | Allocation |
| Equity Allocation | |
| Financial | 35.0% |
| Industrials | 21.2% |
| Technology | 18.3% |
| Energy & Utilities | 7.7% |
| Consumer Staples | 5.6% |
| Consumer Discretionary | 5.3% |
| Healthcare | 4.8% |
| Materials | 3.3% |
| Debt Allocation | |
| Sovereign | 54.7% |
| Financial | 38.7% |
| Construction | 6.5% |
Exit Load, Expense Ratio and Tax
| Exit Load | NIL |
| Expense Ratio | 0.90% including GST |
| Stamp Duty | 0.005% (from July 1st, 2020) |
| Tax | If redemption is made within a year, returns will attract a 20% tax. For redemptions after one year, only the returns exceeding ₹1.25 lakh in a financial year will be taxed at 12.5%. |
Estimate HDFC Children Gift Fund Returns
You can estimate the potential returns from your investments in HDFC Children Gift Fund, with the use of simple, hassle-free and free-of-cost Policybazaar mutual fund SIP Calculator provided on the website.
You need to enter the following details in the Mutual Fund Calculator:
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Investment amount
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Investment tenure
The Policybazaar SIP Calculator will display the estimated future value, including the total invested amount and the accumulated returns from your investment plan.
FAQs
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Which entities does HDFC Children’s Fund provide loans to?
The fund’s debt investments are spread across various institutions. The top three borrowers include State Bank of India (1.46% of the portfolio), Gujarat State (1.22%), and Punjab National Bank (0.98%). -
How strong is the credit quality of the borrowers in HDFC Children’s Fund?
The fund's debt segment is invested in instruments with varying credit ratings. Around 17.7% is in sovereign-rated securities (SOV), 13.54% in AAA-rated instruments, and 3.24% in cash and call money. These ratings reflect the financial strength and reliability of the borrowers. -
What is the new name of HDFC Children Gift Fund?
The new name of the HDFC Children’s Gift Fund is now HDFC Children’s Fund, effective from 18 November 2024. All other terms and conditions of the scheme remain unchanged -
Is HDFC children's gift fund good?
Whether HDFC Children's Gift Fund is good for you depends on your individual circumstances and investment goals. HDFC Children's Gift Fund can be a good option if:-
You have a long-term investment horizon (at least 7-10 years).
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You are comfortable with moderate risk and potential market volatility.
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You want a balanced portfolio with the potential for higher returns than pure debt funds.
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What is the new name of HDFC Children Gift Fund?
There is no new name for the HDFC Children's Gift Fund. It retains its original name. There was a merger in October 2017 where the HDFC Children's Gift Fund Savings Plan merged into the HDFC Children's Gift Fund Investment Plan, resulting in the remaining entity simply being called HDFC Children's Gift Fund.
˜Top plans are based on annualized premium, for bookings made through https://www.policybazaar.com in FY 25. Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. This list of plans listed here comprise of insurance products offered by all the insurance partners of Policybazaar. For a complete list of insurers in India refer to the Insurance Regulatory and Development Authority of India website, www.irdai.gov.in
*All savings are provided by the insurer as per the IRDAI approved insurance plan. Standard T&C Apply
^The tax benefits under Section 80C allow a deduction of up to ₹1.5 lakhs from the taxable income per year and 10(10D) tax benefits are for investments made up to ₹2.5 Lakhs/ year for policies bought after 1 Feb 2021. Tax benefits and savings are subject to changes in tax laws.
¶Long-term capital gains (LTCG) tax (12.5%) is exempted on annual premiums up to 2.5 lacs.
++Source - Google Review Rating available on:- http://bit.ly/3J20bXZ
#The lumpsum benefit is calculated if policyholder invested ₹10000 monthly for 10 years in the fund with a policy term of 20 years. This Point To Point past performance data of last 10 years has been used to illustrate a scenario for the customers benefit. It is assumed that the past 10 years returns would have also been delivered in last 20 years. This is not guaranteed and not in anyway indicative of what the customer may actually get 20 years from now. The investment is subject to market risk and the risk is borne by the policyholder.
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