HDFC Income Fund · Regular · Growth
NAV
₹60.6054
as of 31 Jul 2026
Expense Ratio
1.44%
AUM
₹821 Cr
Lumpsum returns (CAGR)
- 1Y
- +3.57%
- 3Y
- +6.52%
- 5Y
- +5.16%
- Since Inception
- +7.21%
SIP returns (XIRR)
- 1Y
- +5.53%
- 3Y
- +5.95%
- 5Y
- +5.91%
- Since Inception
- +6.53%
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 (Aug 2016 – Jul 2026)
A ₹5,000 monthly SIP for the last 10 years (Aug 2016 – Jul 2026)
Real NAV backtest
A ₹5,000 monthly SIP would be worth ₹7,86,535 today — ₹5,95,000 invested, 5.5% XIRR.
₹5,95,000
Invested
₹7,86,535
Value today
5.5%
XIRR (p.a.)
A ₹1,00,000 lumpsum, the last 10 years (Aug 2016 – Jul 2026)
Real NAV backtest
₹1,00,000 invested 10 years ago would be ₹1,68,431 today (5.4% CAGR).
A regular withdrawal plan (SWP)
Real NAV backtest
A ₹10,00,000 corpus withdrawing ₹5,000/month since Aug 2016 would still hold ₹8,97,776.
Buying the worst day
Real NAV backtest
₹1,00,000 invested on the worst market day of the last 10 years (Aug 2016 – Jul 2026) (22 Mar 2020) would be ₹1,40,674 today (1.41×).
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-0.42
Sharpe Ratio
—
Alpha
—
Beta
-0.43
Sortino
2.61%
Std Dev
-2.20%
Max Drawdown
Performance Comparison
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Fund Details
Available transactions
Portfolio holdings
- 16.68% Goi Mat 07074018.75%
- 26.94% Goi Mat 1105369.13%
- 37.24% Goi Mat 1808557.14%
- 46.9% Goi Mat 1504655.58%
- 57.23% Goi Mat 150439^4.93%
- 6Hdb Financial Services Ltd.^4.25%
- 7Smfg India Credit Company Ltd^4.20%
- 8Ntpc Limited^3.09%
- 96.64% Goi Mat 0712313.08%
- 107.62% Uttarakhand Sdl Isd 170626 Mat 170635^3.03%
Investment Objective
HDFC Income Fund · Regular · Growth by HDFC Mutual Fund is a Medium to Long Duration 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 Duration category.
About This Fund
HDFC Income Fund · Regular · Growth is a Medium to Long Duration mutual fund offered by HDFC Mutual Fund. The fund has been operational for over 25 years. It manages assets worth ₹821 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%.
Who Should Invest?
- •Investors with a high risk appetite seeking long-term wealth creation
- •Investors with an investment horizon of 5 years or more
- •SIP investors who can benefit from rupee cost averaging during market fluctuations