A Complete Guide to HDFC Mutual Fund: Benefits, Types, and Investment Strategy
HDFC Mutual Fund is one of India's most trusted and driving Resource Administration Companies (AMC). Set up in 1999, it is known for its performance-driven plans, differing support choices, and straightforward administration.
Supported by HDFC Ltd. and afterward consolidated with HDFC Bank, HDFC Common Support offers a wide extend of venture choices appropriate for distinctive money related goals.
Step 1: What is HDFC Shared Fund?
HDFC Shared Finance is a professionally overseen speculation vehicle that pools cash from different financial specialists and contributes it over different resource classes like value, obligation, cross breed, and fluid resources. Overseen by best finance supervisors, HDFC Common Support offers steady returns and assess efficiency.
Read Also: Reasons To Beginning SIP In Mutual Funds Right Now
Step 2: Benefits of Contributing in HDFC Common Fund
1. Proficient Support Management
All HDFC MF plans are taken care of by master finance supervisors who make educated choices based on advertise patterns and monetary analytics.
2. Assorted Finance Options
Whether you’re looking for short-term development, long-term riches, or tax-saving disobedient, HDFC Shared Finance offers value, obligation, cross breed, ELSS, and list funds.
3. HDFC Taste Plans
Systematic Venture Plans (Tastes) permit you to contribute little sums frequently. HDFC Taste plans are perfect for salaried people looking to construct riches over time.
4. Straightforwardness and Regulation
HDFC Shared Finance is directed by SEBI and takes after strict divulgence standards, guaranteeing tall straightforwardness for investors.
5. Tall Liquidity
Investors can effectively recover their common support units based on the most recent HDFC shared finance NAV (Net Resource Value).
Step 3: Sorts of HDFC Shared Funds
Here’s a breakdown of the distinctive sorts of common support plans advertised by HDFC MF:
A. HDFC Value Funds
- Invests essentially in stocks.
- Suitable for long-term capital appreciation.
- Ideal for forceful investors.
Popular plans: HDFC Best 100 Support, HDFC Value Fund
B. HDFC Obligation Funds
- Invests in government securities, corporate bonds, etc.
- Low-risk with steady returns.
- Suitable for traditionalist investors.
Popular plans: HDFC Corporate Bond Support, HDFC Fluid Fund
C. HDFC Crossover Funds
- Mix of value and debt.
- Balanced risk-reward ratio.
- Suitable for direct risk-takers.
Popular plans: HDFC Crossover Value Fund
D. HDFC ELSS (Charge Sparing Shared Funds)
- Comes beneath Segment 80C charge exemption.
- Lock-in period of 3 years.
- Ideal for salaried individuals.
Popular plans: HDFC TaxSaver Fund
E. HDFC List Funds
- Low-cost detached investment.
- Tracks a benchmark file like Clever or Sensex.
Step 4: How to Contribute in HDFC Common Support – Step-by-Step Guide
1: Visit the Official Site or App
Use the HDFC Common Support login entry or HDFC MF online app to start the venture process.
2: Total KYC
- Upload Skillet, Aadhaar, and bank details.
- Get e-KYC verified.
3: Select a Fund
- Select based on your hazard profile, objective, and time horizon.
- Compare HDFC common support NAV for current valuation.
4: Choose Between Taste or Knot Sum
- For normal ventures, pick for HDFC Taste plans.
- For one-time speculations, select protuberance sum.
5: Make the Payment
Use net keeping money, UPI, or auto-debit options.
6: Screen Portfolio
Track finance execution by means of HDFC MF online dashboard or app.
Step 5: Best HDFC Common Support Plans in 2025
| Scheme Name | Fund Type | 3-Year Returns | Risk Level | Ideal For |
|---|---|---|---|---|
| HDFC Top 100 Fund | Equity | 14.6% | High | Long-term capital growth |
| HDFC Hybrid Equity Fund | Hybrid | 11.3% | Moderate | Balanced investors |
| HDFC Corporate Bond Fund | Debt | 8.1% | Low | Regular income seekers |
| HDFC TaxSaver ELSS | ELSS | 12.9% | High | Tax-saving investors |
| HDFC Index Nifty 50 Fund | Index Fund | 13.2% | Moderate | Passive investors |
HDFC Record Clever 50 Fund Index Fund 13.2% Moderate Passive investors
*Returns as per April 2025 data
Step 6: Tax collection on HDFC Shared Funds
Equity Funds:
STCG (Short-Term Capital Picks up, 1 year): 10% (over ₹1 lakh)
Debt Funds:
Taxed as per wage charge piece (from FY 2023-24 onwards)
ELSS Funds:
Eligible for assess finding up to ₹1.5 lakh beneath Segment 80C
Step 7: Key Tips for HDFC Shared Support Investors
- Align support determination with objectives – Short-term vs long-term.
- Review NAV execution regularly.
- Start with Taste for rupee fetched averaging.
- Diversify over value and debt.
- Track HDFC shared support NAV and execution utilizing trusted apps.
Conclusion: Why HDFC Shared Finance is a Savvy Venture Choice
HDFC Common Support stands as a dependable, growth-oriented, and adaptable venture vehicle for Indian financial specialists. With master support administration, a extend of finance sorts, advanced get to, and effective Taste instruments, it is custom-made to meet each investor's require.
Whether the objective is riches creation, retirement arranging, or charge sparing, HDFC Common Support conveys steady and differentiated arrangements.
FAQs
Q1. How do I begin an Taste with HDFC Common Fund?
Download the HDFC MF online app, total your KYC, select a support, and set up your Taste recurrence and amount.
Q2. Which HDFC shared finance is best for beginners?
HDFC Cross breed Value Finance and HDFC Adjusted Advantage Finance are incredible beginning focuses for unused investors.
Q3. What is the least speculation sum in HDFC common funds?
You can begin with as moo as ₹500 per month by means of SIP.
Q4. Is HDFC Shared Finance safe?
Yes, it’s controlled by SEBI and takes after strict rules for finance straightforwardness and financial specialist safety.