HDFC Income Fund · Regular · Growth
NAV
₹60.5470
as of 14 Jul 2026
Expense Ratio
1.44%
AUM
₹859 Cr
Lumpsum returns (CAGR)
- 1Y
- +3.47%
- 3Y
- +6.47%
- 5Y
- +5.17%
- Since Inception
- +7.22%
SIP returns (XIRR)
- 1Y
- +5.84%
- 3Y
- +6.06%
- 5Y
- +5.98%
- Since Inception
- +6.54%
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 (Jul 2016 – Jul 2026)
A ₹5,000 monthly SIP for the last 10 years (Jul 2016 – Jul 2026)
Real NAV backtest
A ₹5,000 monthly SIP would be worth ₹7,94,085 today — ₹6,00,000 invested, 5.5% XIRR.
₹6,00,000
Invested
₹7,94,085
Value today
5.5%
XIRR (p.a.)
A ₹1,00,000 lumpsum, the last 10 years (Jul 2016 – Jul 2026)
Real NAV backtest
₹1,00,000 invested 10 years ago would be ₹1,71,602 today (5.6% CAGR).
A regular withdrawal plan (SWP)
Real NAV backtest
A ₹10,00,000 corpus withdrawing ₹5,000/month since Jul 2016 would still hold ₹9,21,935.
Buying the worst day
Real NAV backtest
₹1,00,000 invested on the worst market day of the last 10 years (Jul 2016 – Jul 2026) (22 Mar 2020) would be ₹1,40,539 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-0.26
Sharpe Ratio
—
Alpha
—
Beta
-0.26
Sortino
2.63%
Std Dev
-2.20%
Max Drawdown
Performance Comparison
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Fund Details
Available transactions
Portfolio holdings
- 16.68% Goi Mat 07074019.08%
- 27.18% Goi Mat 24073711.10%
- 37.24% Goi Mat 1808557.00%
- 4Canara Bank^5.77%
- 56.9% Goi Mat 1504655.52%
- 67.23% Goi Mat 1504394.90%
- 76.52% Goi Mat 071231^3.14%
- 8Floating Rate Goi 20343.14%
- 9Ntpc Limited^3.11%
- 10Siddhivinayak Securitisation Trust (Originator - Sikka Ports & Terminals Limited)^3.02%
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 ₹859 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