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HDFC Low Duration Fund download report

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Debt: Low Duration

Analysts' Choiceunlock it

1 Lakh

Investment Grown to
₹ 1.03 Lakh

₹ 10000

Monthly SIP Grown to
₹ 1.22 Lakh

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."

Taxability of earnings:

Capital gains

  • If the mutual fund units are sold after 3 years from the date of investment, gains are taxed at the rate of 20% after providing the benefit of inflation indexation.
  • If the mutual fund units are sold within 3 years from the date of investment, entire amount of gain is added to the investors' income and taxed according to the applicable slab rate.
  • No tax is to be paid as long as you continue to hold the units.

Dividends

  • 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.

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Annual Returns
Quarterly Returns
Monthly Returns
Weekly Returns

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(₹)
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Trailing Returns (%)

YTD 1-Day 1-W 1-M 3-M 6-M 1-Y 3-Y 5-Y 7-Y 10-Y
HDFC Low Duration-G 0.81 -0.03 0.05 -0.14 0.37 1.09 3.17 5.79 6.16 6.65 7.14
CCIL T Bill Liquidity Weight 0.59 0.04 0.04 -0.01 0.29 0.85 1.92 2.78 3.34 3.74 4.29
Debt: Low Duration 0.85 0.00 0.08 -0.17 0.35 1.17 3.53 4.44 5.46 6.22 7.11
Rank within category 15 21 21 8 11 15 7 2 7 9 10
Number of funds in category 22 22 22 22 22 22 22 22 22 21 17

As on 20-May-2022

Peer Comparison

Fund name Rating Launch Date 1-Year Return 3-Year Return 5-Year Return Expense Ratio Assets (Cr)
HDFC Low Duration Fund  | Invest Online
4 star
 Nov-99 3.17 5.79 6.16 1.04% 17,920
ICICI Prudential Savings Fund  | Invest Now
5 star
 Sep-02 3.36 6.16 6.64 0.52% 23,330
Aditya Birla Sun Life Low Duration Fund  | Invest Online
4 star
 May-98 3.18 5.72 6.26 1.21% 14,540
Nippon India Low Duration Fund  | Invest Online
4 star
 Mar-07 3.33 5.27 6.11 1.02% 9,632
Kotak Low Duration Fund - Standard Plan  | Invest Online
4 star
 Mar-08 2.83 5.63 6.33 1.19% 8,177

Best & Worst Performance

Best Performance Worst Performance
Return (%) Period Return (%) Period
Week 1.59 24-Mar-2020 - 31-Mar-2020 -0.82 12-Mar-2020 - 19-Mar-2020
Month 1.99 24-Mar-2020 - 23-Apr-2020 -1.00 25-Feb-2020 - 26-Mar-2020
Quarter 3.83 24-Mar-2020 - 24-Jun-2020 0.20 24-Dec-2019 - 24-Mar-2020
Year 10.28 30-Jun-2000 - 02-Jul-2001 3.27 12-May-2021 - 13-May-2022

Risk Measures (%)

Mean Std Dev Sharpe Sortino Beta Alpha
HDFC Low Duration-G 5.92 1.12 2.15 4.36 0.84 2.96
CCIL T Bill Liquidity Weight 2.86 0.36 -1.85 -5.13 -- --
Debt: Low Duration 4.66 3.14 1.18 2.84 -0.09 1.07
Rank within category 2 8 4 9 10 7
Number of funds in category 22 22 22 22 22 22

The Risk Measures have been calculated using calendar month returns for the last three years.

As on 30-Apr-2022

Portfolio Aggregates

Fund 1Y High 1Y Low Category
Number of Securities 113 175 113 56
Modified Duration (yrs) 0.89 0.95 0.89 0.60
Average Maturity (yrs) 2.59 2.59 2.07 0.86
Yield to Maturity (%) 5.14 5.14 4.39 4.89
Avg Credit Rating AAA -- -- --

Value Research Fund Style

Credit Rating vis-à-vis Category

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Top Holdings

Company Instrument Credit Rating 1Y Range % Assets
down GOI 22/09/2033 GOI Securities Floating Rate Bond SOV 5.90 - 8.54 7.97
equal Reliance Jio Infocomm 238-D 15/06/2022 Commercial Paper A1+ 0.00 - 5.77 5.55
equal 6.97% GOI 2026 GOI Securities SOV 0.00 - 3.75 3.52
equal 5.09% National Bank Agr. Rur. Devp 2024 Non Convertible Debenture AAA 2.05 - 3.64 3.48
equal 9.25% Power Finance Corporation Additional Tier 2 Bond AAA 1.97 - 3.10 2.93
equal Reliance Industries 346-D 27/06/2022 Commercial Paper A1+ 0.00 - 2.88 2.77
equal Export-Import Bank 19/05/2023 Certificate of Deposit AAA 1.68 - 2.75 2.64
equal 7.40% Muthoot Finance 2024 Debenture AA+ 1.39 - 2.22 2.12
equal 7.28% Power Finance Corporation 2022 Bonds AAA 1.21 - 1.90 1.82
equal 7.45% LIC Housing Fin. 2023 Non Convertible Debenture AAA 0.84 - 1.71 1.63
equal 8.50% L&T Finance 17/03/2023 Non Convertible Debenture AAA 0.79 - 1.61 1.54
equal Tata Teleservices 364-D 29/11/2022 Commercial Paper A1+ 0.00 - 1.52 1.46
equal Jamnagar Utilities and Power 244-D 22/06/2022 Commercial Paper A1+ 0.00 - 1.44 1.39
equal Sikka Ports and Terminals 244-D 22/06/2022 Commercial Paper A1+ 0.00 - 1.44 1.39
equal M&M Financial Services 310-D 25/05/2022 Commercial Paper A1+ 0.00 - 1.45 1.39
new L&T Metro Rail (Hyderabad) 124-D 01/08/2022 Commercial Paper A1+ 0.00 - 1.38 1.38
equal Axis Bank 19/09/2022 Certificate of Deposit A1+ 0.00 - 1.43 1.37
equal 8.73% Union Bank of India Additional Tier 1 Bond AA 0.34 - 0.88 1.37
equal Axis Bank 2022 Certificate of Deposit A1+ 0.00 - 1.42 1.36
new 5.74% GOI 15/11/2026 GOI Securities SOV 0.00 - 1.35 1.35
equal Kotak Mahindra Bank 18/01/2023 Certificate of Deposit A1+ 0.00 - 1.40 1.35
equal Bank of Baroda 2023 Certificate of Deposit A1+ 0.00 - 1.40 1.35
equal Panatone Finvest 364-D 30/01/2023 Commercial Paper A1+ 0.00 - 1.39 1.34
equal National Bank Agr. Rur. Devp 14/02/2023 Commercial Paper A1+ 0.00 - 1.40 1.34
equal 7.10% Power Finance Corporation 2022 Bonds/NCDs AAA 0.39 - 1.29 1.24

up down equal Indicates an increase or decrease or no change in holding since last portfolio
new Indicates a new holding since last portfolio

As on 30-Apr-2022

Fund Manager

— Anupam Joshi since 27-Oct-2015

Education: Mr. Joshi is a PGDM in Business Management.

Experience: Prior to joining HDFC Mutual Fund he has worked with IDFC AMC, Principal Asset Management Company and ICAP India Pvt. Ltd.

Funds Managed:

— Priya Ranjan since 01-May-2022

Education: Mr. Ranjan is B.E(Computer Science) and PGDBM (Finance).

Experience: He has over 14 years of experience in equity research.

Funds Managed:

Invest Online
-0.03%

Change from previous, NAV as on 20-May-2022

Growth: ₹ 46.7691

IDCW Weekly: ₹ 10.0303

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IDCW Monthly: ₹ 10.1189

IDCW Daily: ₹ 10.1128

Investment Strategy

The scheme seeks to generate income / capital appreciation through investment in debt securities and money market instruments.

Investment Details

Min. Investment (₹) 5,000
Min. Addl Investment (₹) 1,000
Min. SIP Investment (₹) 500
Min. No of Cheques 12
Min. Withdrawal (₹) 500
Min. Balance (₹) 1
Lock-in Period Not Applicable
Exit Load 0

Basic Details

Fund House: HDFC Mutual Fund
Launch Date: 18-Nov-1999
Return Since Launch: 7.09%
Benchmark: NIFTY Low Duration Debt Index B-I
Riskometer: Moderate
Type: Open-ended
Assets: ₹ 17,920 Cr (As on 30-Apr-2022)
Expense: 1.04% (As on 30-Apr-2022)
Risk Grade: Average
Return Grade: Above Average

Most Recent Dividends

Plan Record Date Dividend (₹ / Unit)  
IDCW Weekly02-May-20220.0088

 25-Apr-20220.0074
 04-Apr-20220.0122
 28-Mar-20220.0103
 21-Mar-20220.0160
 14-Mar-20220.0063
 28-Feb-20220.0042
 21-Feb-20220.0021
 14-Feb-20220.0138
 31-Jan-20220.0073
 24-Jan-20220.0061
 17-Jan-20220.0106
 10-Jan-20220.0043
 03-Jan-20220.0057
 27-Dec-20210.0020
 13-Dec-20210.0086
 06-Dec-20210.0073
 29-Nov-20210.0019
 22-Nov-20210.0071
 15-Nov-20210.0070
 08-Nov-20210.0057
 25-Oct-20210.0039
 18-Oct-20210.0105
 11-Oct-20210.0064
 04-Oct-20210.0095
IDCW Daily29-Apr-20220.0050

 28-Apr-20220.0013
 27-Apr-20220.0002
 26-Apr-20220.0005
 25-Apr-20220.0019
 22-Apr-20220.0030
 21-Apr-20220.0022
 20-Apr-20220.0006
 06-Apr-20220.0007
 05-Apr-20220.0010
 31-Mar-20220.0038
 30-Mar-20220.0050
 29-Mar-20220.0035
 25-Mar-20220.0025
 24-Mar-20220.0033
 23-Mar-20220.0017
 22-Mar-20220.0010
 21-Mar-20220.0018
 17-Mar-20220.0045
 16-Mar-20220.0029
 15-Mar-20220.0028
 14-Mar-20220.0060
 11-Mar-20220.0052
 10-Mar-20220.0008
 09-Mar-20220.0003
IDCW Monthly25-Apr-20220.0198

 28-Mar-20220.0329
 28-Feb-20220.0202
 31-Jan-20220.0344
 27-Dec-20210.0181
 29-Nov-20210.0219
 25-Oct-20210.0321
 27-Sep-20210.0197
 30-Aug-20210.0552
 26-Jul-20210.0348
 28-Jun-20210.0379
 31-May-20210.0471
 26-Apr-20210.0353
 30-Mar-20210.0292
 22-Feb-20210.0137
 25-Jan-20210.0257
 28-Dec-20200.0413
 01-Dec-20200.0738
 26-Oct-20200.0786
 28-Sep-20200.0405
 31-Aug-20200.0497
 27-Jul-20200.0926
 29-Jun-20200.1028
 26-May-20200.1504
 27-Apr-20200.0402

Contact Information

AMC: HDFC Asset Management Company Ltd

Address: Ground Floor, Mafatlal House, H.T Parekh Marg Backbay Reclamation Churchgate Mumbai - 400020

Phone: 1800-3010-6767 / 1800-419-7676

Fax: 022-22821144

Website: http://www.hdfcfund.com

Registrar & Transfer Agent: Computer Age Management Services Ltd.

Address: 7th Floor, Tower II, Rayala Towers, 158, Anna Salai, Chennai - 600002

Phone: 1800-3010-6767 / 1800-419-7676

Fax: 044-30407101

Email: [email protected]

Website: www.camsonline.com

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