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HDFC Children's Gift Fund
HDFC Children’s Gift Fund – Direct Plan is a thoughtfully curated hybrid mutual fund aimed at securing a child’s financial future. Launched in December 1999, the fund combines equity and debt investments to balance growth and stability. With an AUM of ₹8,39,042 Cr and a NAV of ₹323.88 (as of June 24, 2025), it offers long-term wealth-building potential. The fund is managed by Chirag Setalvad and is suitable for investors with a high-risk appetite.
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Children's Gift Mutual Funds
- HDFC Children's Gift Fund
Highlights of HDFC Children’s Gift Fund
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Fund Category: Hybrid mutual fund with a very high-risk rating
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Fund Manager: Chirag Setalvad, known for his consistent performance in equity investing
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AUM: ₹8.39 lakh Crores (as of June 2025), indicating strong investor trust
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NAV: ₹323.88 (as of June 24, 2025)
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Investment Objective: To generate long-term capital appreciation and income by investing in both equity and fixed-income instruments. Asset allocation helps determine which SIP is best for stability.
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Minimum Investment: ₹100 (SIP or lump sum), making it accessible to all types of investors
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Ideal For: Parents and guardians planning for a child’s education, marriage, or other future financial needs
Key Information About HDFC Children’s Gift Fund
This child plan is suitable for high-risk investors as it allows a minimum investment of ₹100 through SIP or lump sum. Here are some of the key highlights of the fund:
| Fund House | HDFC Mutual Fund House |
| Date of Incorporation | 10 Dec 1999 |
| Total AUM | ₹10,176.53Cr |
| Fund Benchmark | NIFTY 50 Hybrid Composite Debt 65:35 Index |
| NAV of the Fund | ₹323.88 (as of June 24 2025) |
| Min. SIP Investment | ₹100 |
| Expense Ratio | 0.90% |
| Returns since inception | 15.99% |
| Risk Level | 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. |
| Top Fund Managers | Anil Bamboli Chirag Setalvad Dhruv Muchhal |
Performance of HDFC Children’s Gift Fund
| Years | 1Y | 3Y | 5Y | All |
| Fund returns | 4.9% | 20.0% | 21.7% | 16.0% |
Top 10 Holdings of HDFC Children’s Gift Fund
| Name | Sector | Assets |
| HDFC Bank Ltd. | Financial | 6.91% |
| ICICI Bank Ltd. | Financial | 6.38% |
| GOI | Sovereign | 4.78% |
| Larsen & Toubro Ltd. | Construction | 3.56% |
| Reliance Industries Ltd. | Energy | 3.47% |
| GOI | Sovereign | 3.21% |
| Infosys Ltd. | Technology | 2.93% |
| Kotak Mahindra Bank Ltd. | Financial | 2.75% |
| eClerx Services Ltd. | Services | 2.58% |
| Tata Consultancy Services Ltd. | Technology | 2.41% |
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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’s Gift Fund
| Sector | Allocation (%) |
| Financial | 34.3% |
| Industrials | 21.3% |
| Technology | 17.9% |
| Energy & Utilities | 7.3% |
| Consumer Staples | 5.7% |
| Consumer Discretionary | 5.1% |
| Healthcare | 4.7% |
| Materials | 3.7% |
Expense Ratio, Exit Load and Taxation of the HDFC Children’s Gift Fund
| Category | Percentage/Details |
| Expense Ratio | 0.90% |
| Exit Load | 0% |
FAQs
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What is the risk level of this fund?
The fund is rated very high on the risk scale, making it suitable for investors with a high-risk appetite and a long-term investment horizon. -
What is the current AUM and NAV of the fund?
As of June 24, 2025, the fund’s Asset Under Management (AUM) stands at ₹8,39,042 Cr, and the Net Asset Value (NAV) is ₹323.88. -
Who can invest in this fund?
Parents, legal guardians, or relatives can invest on behalf of a minor. The investment is made in the child's name and managed by the guardian until maturity.
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˜The insurers/plans mentioned are arranged in order of highest to lowest first year premium (sum of individual single premium and individual non-single premium) offered by Policybazaar’s insurer partners offering life insurance investment plans on our platform, as per ‘first year premium of life insurers as at 31.03.2025 report’ published by IRDAI. Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. For complete list of insurers in India refer to the IRDAI website www.irdai.gov.in
*All savings are provided by the insurer as per the IRDAI approved insurance
plan.
^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.
#The investment risk in the portfolio is borne by the policyholder. Life insurance is available in this product. The maturity amount of Rs 1 Cr. is for a 30 year old healthy individual investing Rs 10,000/- per month for 30 years, with assumed rates of returns @ 8% p.a. that is not guaranteed and is not the upper or lower limits as the value of your policy depends on a number of factors including future investment performance. In Unit Linked Insurance Plans, the investment risk in the investment portfolio is borne by the policyholder and the returns are not guaranteed. Maturity Value: ₹1,05,02,174 @ CARG 8%; ₹50,45,591 @ CAGR 4%
+Returns Since Inception of LIC Growth Fund
¶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 information relating to mutual funds presented in this article is for educational purpose only and is not meant for sale. Investment is subject to market risks and the risk is borne by the investor. Please consult your financial advisor before planning your investments.