Analyst’s Choice
HDFC Low Duration Fund - Direct Plan
Factsheet
Value Research Rating
Riskometer
Low to Moderate
₹55.2884 0.02%
As on 06-Dec-2023
Investment Strategy
The scheme seeks to generate income / capital appreciation through investment in debt securities and money market instruments.
Returns
This fund's returns are currently better than the category average.
This fund’s holdings are mostly in Large Cap stocks and in debt instruments, which means it’s following
a conservative investment strategy. Last updated 2 days ago. Learn More
to
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Risk
This fund has Low to Moderate risk.
low
Low to Moderate
Moderate
Moderately High
High
Very High
As per SEBI's Riskometer.
Suitability
"Low Duration debt funds invest in bonds maturing in six months to a year. They aim to earn slightly better returns than what you can get from a bank account or a short duration fixed deposit. The risk of incurring a loss in these funds is negligible but they do not guarantee returns or safety of capital. Retail investors can avoid these funds altogether. Here's why. Debt funds are very finely classified depending upon the maturity of the bonds they invest in. For instance, there's a different category of funds that invests in bonds of up to three months maturity, from the one that invests in bonds maturing in three to six months, and so on. We believe that such a nuanced classification adds little value to retail investors. They can avoid this complexity and simply invest the money they don't need for up to a year in a Liquid fund."Portfolio of HDFC Low Duration Fund - Direct Plan
This fund's portfolio is largely conservative
This fund’s holdings are mostly in Large Cap stocks and in debt instruments, which means it’s following a
conservative investment strategy. Last updated 2 days ago.Learn More
Asset Allocation
Split between different types of investments
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Credit Rating Weightage
Split between categories of Equity investments
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Taxation
Capital Gains Taxation
- If investment is made on or after 1 April 2023: Entire amount of gain is added to the investors' income and taxed according to the applicable slab rate.
- If investment is made before 1 April 2023:
- Sold within 3 years from the date of investment: Gains are added to the investors' income and taxed according to the applicable slab rate.
- Sold after 3 years from the date of investment: Gains are taxed at the rate of 20% after providing the benefit of inflation indexation.
- No tax is to be paid as long as you continue to hold the units.
Dividend Taxation
- Dividends are added to the income of the investors and taxed according to their respective tax slabs. Further, if an investor's dividend income exceeds Rs 5,000 in a financial year, the fund house also deducts a TDS of 10% before distributing the dividend.
Peer Comparison
This fund compares better than its peers in most aspects.
Rating |
VR Opinion |
Risk
|
Return (%) |
|
Expense Ratio (%)
|
|
|---|---|---|---|---|---|---|
|
HDFC Low Duration Fund - Direct Plan
|
|
|
Low to Moderate
|
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0.45 |
|
|
|
Moderate
|
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0.38 |
||
|
|
Low to Moderate
|
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0.38 |
||
 |
|
Low to Moderate
|
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0.35 |
||
|
|
Low to Moderate
|
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0.25 |
Other details of HDFC Low Duration Fund - Direct Plan
Assets
₹15,801 Cr
Exit Load (Days)
--
Min. Investment (₹)
100
Min. Withdrawal (₹)
100
Min. SIP Investment (₹)
100
Min. No of Cheques
6
Latest news on HDFC Low Duration Fund - Direct Plan
FAQ for HDFC Low Duration Fund - Direct Plan
What is HDFC Low Duration Fund - Direct Plan?
HDFC Low Duration Fund - Direct Plan is mandated to invest in bonds such that the duration of the portfolio is between six to twelve months, and therefore it is suitable to invest in for a similar time frame.
How to Invest in HDFC Low Duration Fund - Direct Plan?
Mutual funds can be bought directly from the website of the fund house. For instance, HDFC Low Duration Fund - Direct Plan fund can be purchased from the website of HDFC Mutual Fund. You can also buy mutual funds through platforms like MF Central, MF Utility, among others. However, if you are not comfortable buying mutual funds online, you can seek help of a mutual fund distributor. Most banks also act as mutual fund distributors. So you can connect with your bank for assistance.
What is the current NAV of HDFC Low Duration Fund - Direct Plan?
The NAV of HDFC Low Duration Fund - Direct Plan is ₹55.2884 as of 07-Dec-2023.
What is the AUM of HDFC Low Duration Fund - Direct Plan?
The AUM of HDFC Low Duration Fund - Direct Plan Fund is ₹15,801 Cr as of 30-Nov-2023
What is the Riskometer level of HDFC Low Duration Fund - Direct Plan?
The riskometer level of HDFC Low Duration Fund - Direct Plan is Low to Moderate. See More
What are the top holdings of HDFC Low Duration Fund - Direct Plan?
| Company | Percentage of Portfolio |
|---|---|
|
GOI GOI FRB 22/09/2033 |
8.34
|
|
Power Finance Corporation Ltd SERIES 184 A Additional Tier 2 Bo 9.25 |
3.49
|
|
Bharti Telecom Ltd SR IX Debenture 8.70 21/11/2024 |
3.48
|
|
Titan Company Ltd SR 1 Debenture 7.75 05/05/2025 |
3.32
|
|
GOI Sec 04/10/2028 |
3.15
|
What is the asset allocation of HDFC Low Duration Fund - Direct Plan?
As of 30-Nov-2023, HDFC Low Duration Fund - Direct Plan had invested 95.64% in Debt and 4.13% in Cash & Cash Eq. See More
How are the returns of HDFC Low Duration Fund - Direct Plan?
HDFC Low Duration Fund - Direct Plan is 10 years 11 months old. It has delivered 7.67% returns since inception. See More
|
1Y
|
3Y
|
5Y
|
7Y
|
10Y
|
Since Inception
|
|---|---|---|---|---|---|
|
7.61%
|
5.55%
|
6.83%
|
6.82%
|
7.55%
|
7.67%
|
Is there any lock-in period for HDFC Low Duration Fund - Direct Plan?
No, There is no lock in period in HDFC Low Duration Fund - Direct Plan.
What is the expense ratio of HDFC Low Duration Fund - Direct Plan?
The expense ratio of HDFC Low Duration Fund - Direct Plan is 0.45.
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