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HDFC Income Fund - Growth Option is a debt scheme managed by HDFC Mutual Fund. Three-year compounded annual return is 5.56%, placing it in the 9th percentile of Debt peers. It has ranked in the top half of its category for 3 of the last 12 reported years. Risk-adjusted return (Sharpe ratio) is 0.00. The total expense ratio is 1.55% on assets of ₹826Cr. The fund is currently managed by Anupam Joshi, appointed within the last year.
Lower is better.
| Holding | Sector | Weight |
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Point-in-time CAGRs cherry-pick a single start date. The chart below shows the distribution of every possible rolling start over the fund's history, so you see the range of investor outcomes — not just one date's number.
Backtested SIP outcomes across both rolling-window scenarios and named historical stress events (COVID, Election uncertainty, Russia/Ukraine, etc.), plus per-manager alpha during their tenure on this scheme.
| Scheme | AMC | AUM | TER | 3Y |
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Mutual fund investments are subject to market risks. Read all scheme-related documents carefully. Past performance is not indicative of future results. MintByte is an AMFI-registered Mutual Fund Distributor (ARN-314872) and APMI member (APRN-01658). MintByte does not issue buy/sell recommendations on specific securities — the site is an educational data and analytics platform. Star ratings on this page reflect a 3-year category-quartile position computed in-house and are educational only.
Mutual fund schemes are subject to market risk. Read all scheme-related documents carefully before investing. Past performance is not indicative of future results. MintByte is an AMFI-registered mutual fund distributor (ARN-314872). MintByte does not issue buy/sell recommendations on specific securities — the site is an educational data and analytics platform. Not investment advice. Methodology · How we earn.
In-house derivations using 3-year daily NAV vs benchmark. See methodology.
| 6.68% GOI MAT 070740 | Sovereign | 18.86% |
| 7.18% GOI MAT 240737 | Sovereign | 10.93% |
| 7.24% GOI MAT 180855 | Sovereign | 6.97% |
| 6.9% GOI MAT 150465 | Sovereign | 4.94% |
| 7.23% GOI MAT 150439 | Sovereign | 4.84% |
| Floating Rate GOI 2034 | Sovereign | 3.11% |
| 6.52% GOI MAT 071231 | Sovereign | 3.11% |
| Siddhivinayak Securitisation Trust (Originator - Sikka Ports & Terminals Limited) | CRISIL - AAA(SO) | 3.00% |
| 6.98% Gujarat SDL ISD 261125 MAT 261132 | Sovereign | 2.95% |
| 7.09% GOI MAT 050854 | Sovereign | 2.85% |
| India Grid Trust | CRISIL - AAA | 2.78% |
| National Bank for Agri & Rural Dev. | CRISIL - AAA | 2.37% |
| LIC Housing Finance Ltd. | Financial Services | 1.80% |
| 6.92% GOI MAT 181139 | Sovereign | 1.77% |
| 7.41% GOI MAT 191236 | Sovereign | 1.24% |
| State Bank of India | Financial Services | 1.21% |
| 6.68% GOI MAT 170931 | Sovereign | 1.20% |
| Altius Telecom Infrastructure Trust | CRISIL - AAA | 1.19% |
| 6.79% GOI MAT 071034 | Sovereign | 1.19% |
| NTPC Limited | Utilities | 1.18% |
| 7.1% GOI MAT 080434 | Sovereign | 1.07% |
| Small Industries Development Bank | CRISIL - AAA | 0.60% |
| 7.34% GOI MAT 220464 | Sovereign | 0.58% |
| 7.25% GOI MAT 120663 | Sovereign | 0.57% |
| 7.09% GOI MAT 251174 | Sovereign | 0.56% |
| Sector | Holdings | Weight |
|---|---|---|
| Sovereign | 20 | 67.46% |
| CRISIL - AAA | 6 | 9.92% |
| CRISIL - AAA(SO) | 1 | 3.00% |
| ICRA - AAA | 1 | 1.21% |
| Realty | 1 | 0.54% |
Active bets vs the average Debt fund. Biggest deviations shown first.
Accent bar = fund's actual sector weight. Vertical black tick = category average for the same sector. Green overlay = overweight, dashed red = underweight. The biggest active bets show first.
How crowded into the same stocks is this fund vs the largest fund in its category?
Category leader = highest-AUM scheme in the same SEBI category. A high overlap-of-weight number means the fund is concentrated into the same names as the leader (crowded); a low one means it's genuinely differentiated.
Each cell is one year. Q1 = top quartile within the AMFI category for that period. Cell label is the last two digits of the year.
Top-10 weight 61.6% means concentration is in line with most actively-managed Indian equity funds. Effective-N is the inverse Herfindahl index — a measure of "how many positions effectively drive the fund" after weighting. Category: Debt.
Compounding maths on a notional ₹10 lakh lumpsum at 12% gross annual return. Green bar is what you'd have without the fee; red overlay is the fee drag. Fee is constant in this scenario — actual outcomes depend on real returns and any future TER changes.
Alpha is the annualised excess return vs benchmark over the manager's tenure on this scheme. Beat-benchmark = total return beat the index over the same window.
Does the fund get worse as it gets bigger? Each dot is one historical manager-tenure: AUM at tenure-end vs alpha delivered during that tenure.
Correlation is too weak to confirm or rule out capacity-driven alpha decay. Re-evaluate as more manager-tenure data accumulates.
Each dot is one manager-tenure: X = AUM at tenure end, Y = alpha during that tenure. Connecting line in chronological order. Pearson r measures the linear relationship between AUM and alpha across the historical record. n = 2 data points.
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