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HDFC Children's Gift Fund


1 Lakh

Investment Grown to
₹ 1.32 Lakh

₹ 10000

Monthly SIP Grown to
₹ 4.00 Lakh

Analyst's Choice?

Suitability:

When you invest for five years or above, you can expect gains that comfortably beat the inflation rate and are also higher than fixed income options. But be prepared for ups and downs in your investment value along the way.

Aggressive hybrid funds invest 65-80% of your money in equity shares and the rest in bonds and commodities. Their returns are slightly lower than pure equity funds which invest all your money in shares, but they also fall relatively less when the stock markets decline. This makes them suitable for conservative equity investors or first-time equity investors who are not used to its sharp ups and downs.

Like all equity-linked investments, you must invest only through the SIP route. Click here to read a primer on SIP investing.

Warning: Do not invest in this, or any other aggressive hybrid fund, if you need to redeem your investment in less than five years.

Taxability of earnings:

Capital gains

  • If the mutual fund units are sold after 1 year from the date of investment, gains upto Rs 1 lakh in a financial year are exempt from tax. Gains over Rs 1 lakh are taxed at the rate of 10%.
  • If the mutual fund units are sold within 1 year from the date of investment, entire amount of gain is taxed at the rate of 15%.
  • No tax is to be paid as long as you continue to hold the units.

Dividends

  • Dividends paid by the mutual fund scheme are taxed at the rate of 10% (effectively 11.648%, including surcharge and cess). This is known as Dividend Distribution Tax (DDT). Though the investor does not pay this tax directly, it is deducted from the dividend income before passing on to the investor.

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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
Fund 2.34 0.18 0.26 0.55 2.88 9.69 11.94 9.71 8.57 14.41 14.71
VR Balanced TRI -0.30 0.63 -0.57 -0.72 0.98 8.85 13.08 11.35 7.72 11.23 10.27
Hybrid: Aggressive Hybrid 2.27 0.01 -0.16 0.96 3.06 10.58 13.46 7.61 7.01 12.24 10.83
Rank within category 22 6 9 28 27 23 26 8 6 3 1
Number of funds in category 44 44 44 44 43 43 39 32 25 23 21

As on 20-Feb-2020

Best & Worst Performance

Best (Period) Worst (Period)
Week 12.79 (11-May-2009 - 18-May-2009) -12.72 (15-Jan-2008 - 22-Jan-2008)
Month 22.07 (11-May-2009 - 10-Jun-2009) -23.84 (26-Sep-2008 - 27-Oct-2008)
Quarter 57.27 (09-Mar-2009 - 10-Jun-2009) -33.34 (02-Sep-2008 - 03-Dec-2008)
Year 96.49 (09-Mar-2009 - 11-Mar-2010) -42.14 (04-Dec-2007 - 03-Dec-2008)

Risk Measures (%)

Mean Std Dev Sharpe Sortino Beta Alpha
Fund 10.39 9.38 0.50 0.72 0.82 -0.39
VR Balanced TRI 11.92 10.21 0.61 0.95 -- --
Hybrid: Aggressive Hybrid 8.38 9.75 0.28 0.44 0.83 -2.46
Rank within category 7 16 7 6 14 7
Number of funds in category 33 33 33 33 33 33

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

As on 31-Jan-2020

Asset Allocation (%)

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Concentration & Valuation

Number of Stocks 58
Top 10 Holdings (%) 40.08
Top 5 Holdings (%) 24.44
Top 3 Sectors (%) 38.28
Portfolio P/B Ratio 2.75
Portfolio P/E Ratio 21.61

Value Research Equity Fund Style

Value Research Debt Fund Style

Credit Rating vis-à-vis Category

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Top Debt Holdings

Company Instrument Credit Rating 1Y Range % Assets
equal 7.87% HDFC 18/07/2022 Non Convertible Debenture AAA 0.00 - 6.42 5.61
equal 8.75% Axis Bank 28/06/2022 Bonds AA+ 3.18 - 3.81 3.18
equal 7.17% Reliance Industries 2022 Non Convertible Debenture AAA 0.00 - 3.62 3.18
new 8.99% Bank of Baroda Non Convertible Debenture AA+ 0.00 - 3.03 3.03
new 8.33% LIC Housing Fin. 31/05/2024 Non Convertible Debenture AAA 0.00 - 1.61 1.61
equal 7.28% Power Finance Corp. 2022 Bonds AAA 1.59 - 1.90 1.59
equal 8.53% Power Finance Corp. 24/07/2020 Bonds/Debentures AAA 1.59 - 1.97 1.59
equal 8.28% GOI 21/09/2027 Central Government Loan SOV 1.53 - 1.85 1.53
new 8.55% L&T Infrastructre Finance 29/11/2022 Non Convertible Debenture AAA 0.00 - 1.26 1.26
equal 9.90% Tata Sons 20/03/2024 Bonds/NCDs AAA 1.16 - 1.42 1.16
equal 8.12% GOI 2020 Central Government Loan SOV 1.06 - 1.33 1.06
equal 8.32% GOI 2032 Central Government Loan SOV 1.04 - 1.24 1.04
equal 8.83% GOI 25/11/2023 Central Government Loan SOV 0.90 - 1.12 0.90
equal 7.99% State Bank of India 28/06/2029 Non Convertible Debenture AAA 0.00 - 0.93 0.82
equal 8.15% GOI 2022 Central Government Loan SOV 0.50 - 0.61 0.50
equal 8.75% State Bank of India Bonds AA+ 0.35 - 0.43 0.35
equal 8.08% GOI 2022 Central Government Loan SOV 0.33 - 0.41 0.33
equal 8.60% GOI 2028 Central Government Loan SOV 0.17 - 0.21 0.17
equal 7.16% GOI 20/05/2023 Central Government Loan SOV 0.16 - 0.20 0.16
equal 8.20% GOI 15/02/2022 Central Government Loan SOV 0.08 - 0.10 0.08
equal 8.94% Power Finance Corp. 25/03/2028 Bonds AAA 0.07 - 0.08 0.07
equal Britannia Inds. 28/08/2022 Non Convertible Debenture AAA 0.00 - 0.02 0.02

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

Sector Allocation vis-à-vis Category

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Top Equity Holdings

Company Sector P/E 3Y High 3Y Low % Assets
equal HDFC Bank Financial 25.23 6.73 5.18 5.91
equal Reliance Industries Energy 21.12 5.90 3.14 5.19
equal Infosys Technology 20.72 4.71 2.25 3.93
equal ICICI Bank Financial 36.13 3.98 2.49 3.80
equal HDFC Financial 18.18 3.58 1.11 3.50
equal Bajaj Finance Financial 53.00 2.78 1.55 2.75
equal Larsen & Toubro Construction 18.10 3.20 2.28 2.72
equal NIIT Technologies Technology 26.36 2.34 0.79 2.34
equal State Bank of India Financial 24.53 3.32 1.56 1.69
equal Cholamandalam Invest. & Fin. Financial 20.01 1.73 0.00 1.63
equal Britannia Inds. FMCG 55.12 2.23 1.52 1.62
equal Bharti Airtel Communication -- 1.54 0.38 1.54
equal Hexaware Technologies Technology 16.87 1.55 0.68 1.27
equal Bharat Electronics Engineering 14.52 1.58 0.00 1.14
equal Voltas Cons Durable 47.72 1.57 1.03 1.10
equal UPL Chemicals 37.30 1.43 0.00 1.00
equal Axis Bank Financial 42.77 1.47 0.95 0.95
equal Power Grid Corporation Energy 6.29 1.32 0.64 0.94
equal Finolex Industries Chemicals 19.13 1.23 0.50 0.93
equal Aurobindo Pharma Healthcare 11.50 1.85 0.00 0.90
equal Supreme Industries Chemicals 37.19 1.52 0.74 0.88
equal Motherson Sumi Systems Automobile 25.91 2.72 0.74 0.88
equal AIA Engineering Metals 28.25 1.67 0.82 0.86
equal SKF India Engineering 33.03 1.14 0.70 0.83
equal L&T Infotech Technology 23.61 0.93 0.00 0.81

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 31-Jan-2020

Fund Manager

— Chirag Setalvad since 02-Apr-2007

Education: Mr. Setalvad is a B. Sc and MBA from University of North Carolina.

Experience: Prior to joining HDFC AMC he has worked with New Vernon Advisory Services Ltd., HDFC AMC and ING Barings N.V.

Funds Managed:


-1.28%

Change from previous, NAV as on 24-Feb-2020

Bonus: ₹ 125.9510


Investment Strategy

The scheme seeks to generate capital appreciation / income from a portfolio of equity & equity related instruments and debt and money market instruments.

Investment Details

Minimum Investment (₹) 5,000
Minimum Addl Investment (₹) 1,000
Minimum SIP Investment (₹) 500
Minimum No of Cheques 12
Minimum Withdrawal (₹) 500
Minimum Balance (₹) 5,000
Exit Load 0

Basic Details

Fund House: HDFC Mutual Fund
Launch Date: 02-Mar-2001
Return Since Launch: 15.95%
Benchmark: NIFTY 50 Hybrid Composite Debt 65:35
Riskometer: Moderately High
Type: Open-ended
Assets: ₹ 3,170 Cr (As on 31-Jan-2020)
Expense: 2.11% (As on 31-Jan-2020)
Risk Grade: Below Average
Return Grade: Above Average
Turnover: 4.09%

Contact Information

AMC: HDFC Asset Management Company Ltd

Address: "HDFC House"-2nd Floor, H.T. Parekh Marg - 165-166, Backbay Reclamation, Churchgate Mumbai - 400020

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

Fax: 022-22821144

Website: 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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