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HDFC Income Fund - Normal IDCW - Direct Plan
★★★★★ TopFund est.
TopFund Score (fallback rating)
- Calculated by: TopFund — used only when no third-party rating exists for this fund
- Formula: 3-year trailing return percentile within category, adjusted ±1 star for expense ratio
- Refresh frequency: Whenever TopFund re-syncs this fund's data
- Limitations: A simplified 2-factor estimate, not equivalent to a rating agency's full analysis
TopFund Score: 83/100 · Excellent
How this score is calculated
- Star rating (35%)5/5
- 3Y CAGR (30%)8.42%
- Expense ratio (20%)0.02%
- AUM (15%)₹2,626 Cr
Not investment advice — an analytical read of public fund data. Methodology →
HDFC Mutual Fund · Debt · Others
₹45.76
AUM: ₹2,625 Cr
NAV updated 13 days ago
Plan
Direct
Option
Idcw
Risk
Moderate
Expense Ratio
0.02%
Exit Load
Nil
Fund Manager
Anil Bamboli, Miten Lathia
Inception
Jan 2013
Benchmark
NIFTY 50 Hybrid Composite Debt 65:35 Index
Sharpe Ratio
-0.7
Std Dev (1Y)
2.68%
Historical Returns (CAGR)
Annualized trailing returns computed from NAV history — past performance only, not a guarantee of future results.
1m
+0.08%
3m
+1.57%
6m
+2.82%
1y
+5.73%
3y
+8.42%
5y
+10.45%
10y
+11.11%
since inception
+6.66%
TopFund's Take on HDFC Income Fund - Normal IDCW - Direct Plan
HDFC Income Fund - Normal IDCW - Direct Plan ranks among the stronger performers in the Others category, backed by a 5-star rating. It has delivered steady, if unspectacular, returns over a full market cycle. TopFund's composite Health Score, which weighs rating, 3-year CAGR, expense ratio and fund size, puts it at 83/100.
Cost: At 0.02%, the expense ratio is meaningfully cheaper — about 78% below the Others category average of 0.09% (based on 61 comparable funds). Lower costs compound in your favour over long holding periods.
Risk-adjusted performance: Over the trailing 1-year period, the fund shows a negative Sharpe ratio of -0.7 — over the past year, returns haven't kept pace with the volatility involved, even before accounting for the risk-free rate. Separately, annualised volatility of 2.68% is on the lower side for a Others fund, suggesting a comparatively smoother ride.
Who should invest: This fund is best suited to investors whose goals and risk appetite align with a Debt fund.
This is an automated, data-driven analysis based on the fund's own metrics and its category peers — not personalized investment advice. Consult a SEBI-registered advisor before investing.
Sector Allocation
Asset Allocation
Fund Snapshot
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Tools & Guides for This Fund
Frequently Asked Questions about HDFC Income Fund - Normal IDCW - Direct Plan
The current NAV (Net Asset Value) of HDFC Income Fund - Normal IDCW - Direct Plan is ₹45.76. NAV is updated every business day after market close by AMFI.
1Y: 5.73% · 3Y CAGR: 8.42% · 5Y CAGR: 10.45%
The expense ratio of HDFC Income Fund - Normal IDCW - Direct Plan is 0.02% per annum. This is the annual fee charged by the fund to manage your investment.
HDFC Income Fund - Normal IDCW - Direct Plan is managed by Anil Bamboli, Miten Lathia at HDFC Mutual Fund.
HDFC Income Fund - Normal IDCW - Direct Plan is classified as a Moderate risk fund. It is suitable for investors with a moderate risk appetite.
HDFC Income Fund - Normal IDCW - Direct Plan is a Others fund. SIP suitability depends on your investment goal and risk profile.
You can start a SIP in HDFC Income Fund - Normal IDCW - Direct Plan with as little as ₹500 per month through most mutual fund platforms. The minimum lump sum investment is typically ₹1,000.
The Assets Under Management (AUM) of HDFC Income Fund - Normal IDCW - Direct Plan is ₹2,626 crore. AUM indicates the total market value of assets managed by the fund.
* Past performance is not indicative of future results. Mutual fund investments are subject to market risks.
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