HDFC Income Fund · Regular · Growth
NAV
₹60.2116
as of 29 Sept 2026
Expense Ratio
1.44%
AUM
₹824 Cr
Lumpsum returns (CAGR)
- 1Y
- +3.23%
- 3Y
- +6.13%
- 5Y
- +4.75%
- Since Inception
- +7.14%
SIP returns (XIRR)
- 1Y
- +3.41%
- 3Y
- +4.86%
- 5Y
- +5.34%
- Since Inception
- +6.42%
Returns calculated from 11 September 2000 onwards due to a structural change in the scheme on that date. Earlier NAV history is preserved but excluded from multi-year return calculations. Periods spanning this date show —.
What history actually did — last 10 years (Sept 2016 – Sept 2026)
A ₹5,000 monthly SIP for the last 10 years (Sept 2016 – Sept 2026)
Real NAV backtest
A ₹5,000 monthly SIP would be worth ₹7,83,137 today — ₹6,00,000 invested, 5.2% XIRR.
₹6,00,000
Invested
₹7,83,137
Value today
5.2%
XIRR (p.a.)
A ₹1,00,000 lumpsum, the last 10 years (Sept 2016 – Sept 2026)
Real NAV backtest
₹1,00,000 invested 10 years ago would be ₹1,62,456 today (5.0% CAGR).
A regular withdrawal plan (SWP)
Real NAV backtest
A ₹10,00,000 corpus withdrawing ₹5,000/month since Sept 2016 would still hold ₹8,41,425.
Buying the worst day
Real NAV backtest
₹1,00,000 invested on the worst market day of the last 10 years (Sept 2016 – Sept 2026) (22 Mar 2020) would be ₹1,39,760 today (1.40×).
Historical simulation using actual published NAVs for the stated period. Past performance may or may not be sustained in the future. Not investment advice.
Risk Metrics
Trailing 1 year, annualised-1.04
Sharpe Ratio
—
Alpha
—
Beta
-1.04
Sortino
2.65%
Std Dev
-2.20%
Max Drawdown
Performance Comparison
Related reading
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Fund Details
Available transactions
Portfolio holdings
- 17.24% Goi Mat 18085511.72%
- 26.68% Goi Mat 0707408.80%
- 36.9% Goi Mat 1504657.16%
- 47.23% Goi Mat 1504394.94%
- 5Hdb Financial Services Ltd.^4.25%
- 6Indian Railways Finance Corp. Ltd.^4.25%
- 7Smfg India Credit Company Ltd^4.20%
- 8Ntpc Limited^3.09%
- 96.64% Goi Mat 0712313.09%
- 107.71% Goi Mat 1805663.07%
What this fund does
HDFC Income Fund · Regular · Growth by HDFC Mutual Fund is a Medium to Long Term fund that aims to generate optimal returns for investors based on its investment mandate. The fund follows a disciplined investment process aligned with SEBI regulations for the Medium to Long Term category.
About This Fund
HDFC Income Fund · Regular · Growth is a Medium to Long Term mutual fund offered by HDFC Mutual Fund. The fund has been operational for over 26 years. It manages assets worth ₹824 Cr, reflecting investor confidence in the fund's strategy. It benchmarks its performance against CRISIL Medium To Long Duration Debt A-III Index. The current expense ratio is 1.44%.