HDFC Income

Debt Fund
Low Risk
Last Updated: 24 Mar 2026
AUM: ₹1164 Cr
Assets under management (AUM) is the total market value of the investments that a person or entity manages on behalf of clients. Assets under management definitions and formulas vary by company.
NAV: ₹29.53
-0.14%
NAV, or Net Asset Value, is the value of an investment fund’s assets minus its liabilities. It is calculated by dividing the total value of the fund’s assets by the number of outstanding shares. It is used as an indicator of a fund’s performance and can be compared to its previous NAVs.
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  • Returns Since Inception
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  • RSI
4.68% Annual returns
HDFC Income
Performance Graph
As on 24 Mar 2026 
| Data Source - Value research
Fund Definition: Higher potential returns due to higher duration and credit exposure

Returns (as on 24 Mar 2026)

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About HDFC Income

HDFC Income is a Debt Fund launched on 05-01-2010, designed to offer long-term capital growth by investing in a mix of high-quality assets. The fund currently manages an AUM of over ₹1164 Cr, with a Net Asset Value (NAV) of ₹29.53 (as of 24 Mar 2026).

Over time, HDFC Income has shown stable growth with 3.07% return in the last 1 year, 5.88 % CAGR over 3 years, 4.68 % CAGR over 5 years. For longer horizons, it has delivered 5.73 % CAGR over 7 years, 6.04 % CAGR over 10 years, Return Since Inception (RSI) of 6.9%, highlighting its consistent performance track record.

Highlights of HDFC Income

  • It is benchmarked against the Crisil Composite Bond, which delivered 6.79% in the same period.
  • The fund maintains a strong allocation with Debt holding: 93.85%, ideal for long-term growth.
  • Major sector exposure includes Others holding: 0.07%, offering Balanced diversification.
  • HDFC Income has delivered 3.07% returns in the past 1 year, with a 3-year CAGR of 5.88% and a 5-year CAGR of 4.68%.
  • It offers solid long-term growth with 5.73% returns over 7 years and 6.04% returns over 10 years.
  • Since its launch on 05-01-2010, HDFC Income has achieved a Return Since Inception (RSI) of 6.9%.
  • Managed by HDFC Life, HDFC Income is designed for investors seeking Balanced returns with moderate risk exposure.

More Funds from HDFC Life

Fund name AUM sort icon 1Y sort icon
HDFC Life
Discovery Fund
₹13,470 Cr 4.07% Get Details
HDFC Group Life ULIP Non Superannuation - Defensive Managed Fund II ₹5,404 Cr 1.08% Get Details
HDFC Policy Discontinued Fund ₹4,740 Cr 5.81% Get Details
HDFC Group Life ULIP - Non Superannuation - Secure Managed Fund II ₹2,677 Cr 2.9% Get Details
HDFC Group Life ULIP - Non Superannuation - Defensive Managed Fund ₹1,890 Cr 1.59% Get Details
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Asset Allocation
Debt holding
Cash holding
Equity holding

Top 10 Debt Fund

Fund name
Returns
YTD% 3Y 5Y 10Y
Aviva Pension PSU Fund 30.22% 27.07% 16.89% Get Details
Aviva PSU 29.51% 26.54% 16.56% Get Details
Reliance Pension Energy Fund 2 1.16% 23.89% 21.74% 17.53% Get Details
Reliance Life Energy Fund 1 1.22% 23.88% 21.68% 17.37% Get Details
Reliance Life Energy Fund 2 1.18% 23.52% 21.68% 17.45% Get Details
Reliance Life Midcap Fund 2 21.21% 17.49% 16.32% Get Details
Aviva Infrastructure 19.13% 16.96% 14.29% Get Details
Reliance Life Midcap Fund 1 20.6% 16.71% 15.86% Get Details
Reliance Pension Midcap Fund 2 20.21% 16.5% 15.65% Get Details
Reliance Life Infrastructure Fund 1 18.04% 15.98% 13.49% Get Details
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Sector Allocation
Others
0.07%
View more

AUM (Assets under management)
Debt:
₹1,092 Cr
Cash:
₹71 Cr
Equity:
₹1 Cr
Fund Manager(s)
Badrish Kulhalli

Oversees a broad portfolio of equity, debt and balanced funds, demonstrating expertise across diverse investment strategies

Peer Comparison

  • Overview
  • Returns
Fund name AUM sort icon 1Y sort icon
SBI Life Equity Fund ₹81,025 Cr - Get Details
SBI Life Midcap Fund ₹55,035 Cr - Get Details
ICICI Prudential Life Maximiser Fund V ₹47,982 Cr - Get Details
SBI Life Bond Pension II ₹29,088 Cr 3.61% Get Details
SBI Life Balanced Fund ₹21,160 Cr - Get Details
ICICI Prudential Life Multi Cap Growth Fund ₹17,468 Cr - Get Details
SBI Life Bond Fund ₹16,781 Cr 4.22% Get Details
Kotak Mahindra OM Life Classic Opportunities Fund ₹13,553 Cr - Get Details
Axis Max Life High Growth Fund ₹12,572 Cr 0.51% Get Details
Axis Max Life Growth Super Fund ₹12,241 Cr - Get Details
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Fund name
Returns
YTD% 3Y 5Y 10Y
SBI Life Equity Fund 10.38% 9.11% 10.96% Get Details
SBI Life Midcap Fund 20.03% 16.62% Get Details
ICICI Prudential Life Maximiser Fund V 11.83% 11.07% 10.86% Get Details
SBI Life Bond Pension II 6.47% 5.21% 6.36% Get Details
SBI Life Balanced Fund 8.29% 7.32% 9.38% Get Details
ICICI Prudential Life Multi Cap Growth Fund 14.37% 11.16% 10.63% Get Details
SBI Life Bond Fund 6.67% 5.44% 6.72% Get Details
Kotak Mahindra OM Life Classic Opportunities Fund 14.27% 11.67% 12.87% Get Details
Axis Max Life High Growth Fund 24.29% 18.88% 17.9% Get Details
Axis Max Life Growth Super Fund 12.34% 9.86% 12.35% Get Details
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Invest in a Ulip Plan Today and Watch Your Money Grow Invest in a Ulip Plan Today and Watch Your Money Grow

Top ULIP Funds

Fund name
Returns
YTD% 3Y 5Y 10Y
Aviva Pension PSU Fund 30.22% 27.07% 16.89% Get Details
Aviva PSU 29.51% 26.54% 16.56% Get Details
PNB MetLife Mid Cap Fund 24.65% 22.15% Get Details
Reliance Pension Energy Fund 2 1.16% 23.89% 21.74% 17.53% Get Details
Reliance Life Energy Fund 1 1.22% 23.88% 21.68% 17.37% Get Details
Tata AIA Life Multi Cap Fund 16.86% 21% 22% Get Details
Axis Max Life High Growth Fund 24.29% 18.88% 17.9% Get Details
Canara HSBC Life Emerging Leaders Equity Fund 22.65% 18.63% Get Details
Reliance Life Midcap Fund 2 21.21% 17.49% 16.32% Get Details
Future Generali Future Midcap Fund 20.39% 17.12% Get Details
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Frequently Asked Questions
HDFC Income
HDFC Income is a Debt Fund launched on 05-01-2010. It aims to provide long-term capital growth by investing in a diversified portfolio.
As of 24 Mar 2026, the Net Asset Value (NAV) of HDFC Income is ₹29.53.
HDFC Income is suitable for investors looking for moderate risk and stable long-term returns without full exposure to equity market volatility.
HDFC Income is not Shariah-compliant.
HDFC Income has been in the market since 05-01-2010, providing a long and reliable performance history.

Higher potential returns due to higher duration and credit exposure
Over the past year, HDFC Income has delivered a return of approximately 3.07% CAGR, making it a competitive performer.
HDFC Income is benchmarked against the Crisil Composite Bond, which delivered about 6.79% return in the same period. The fund has underperformed its benchmark in recent years.
The fund mainly invests in sectors like Others holding: 0.07%, which together form a major part of its portfolio allocation.
The fund primarily allocates 93.85% to Debt holding, making it Balanced in nature, depending on the fund's investment style.

View more FAQ's

*The Returns in ULIP plans are subject to market risk and are not guaranteed. The investment risk in the policy is borne by the policyholder. The actual returns can vary depending on the performance of the chosen fund, charges towards mortality, allocation, policy admin, cost of riders, etc. The 4% and 8% illustration is neither the minimum or maximum limit that you may get as a policyholder.

*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. The investment risk in the portfolio is borne by the policyholder. Life insurance is available in this product. For more details on risk factors, terms and conditions, please read the sales brochure carefully before concluding a sale.

*The maturity amount of Rs 50 Lakhs. is for a 30 year old healthy individual investing Rs 10,000/- per month for 30 years, with assumed rates of returns @ 4% 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. The investment risk in the portfolio is borne by the policyholder. Life insurance is available in this product.

˜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

^Returns as on 10th Jan'25. 18% returns for Tata AIA Life Top 200 for the last 10 years.The past performance is not necessarily indicative of future performance. Source: Morningstar

++Source -: Google Review Rating available on: http://bit.ly/3J20bXZ

All Data Source: Value Research

TERMS AND CONDITIONS APPLY.For more details on risk factors, terms, and conditions, please read the sales brochure and benefit illustration carefully before concluding a sale.

Policybazaar is a registered Insurance Broker | Registration No. 742, Registration Code No. IRDA/ DB 797/ 19, Valid till 09/06/2024, License category- Direct Broker (Life & General) |CIN: U74999HR2014PTC053454 | Registered Office - Plot No.119, Sector - 44, Gurgaon, Haryana – 122001 |Visitors are hereby informed that their information submitted on the website may be shared with insurers. Product information is authentic and solely based on the information received from the insurers.©️ Copyright 2008-2026 policybazaar.com. All Rights Reserved

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