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Product scoring may vary based on gender, age, policy tenure and sum assured.
Gender
Male
Age Group
The lowest age in the selected range is considered for price evaluation (e.g., 25 - 29)
30 - 34
Sum Assured
₹ 1Cr
Debt • Medium Duration • NIFTY Medium Duration Debt Index
HDFC Medium Term Debt Fund(G)-Direct Plan
1 Finance Rank:
03
031 Finance Score:
74100
Yield To Maturity Score
77
Quality & Diversification Score
68
Standard Deviation Score
81
Modified Duration Score
73
AUM Score
85
Historical Performance score
71
1 Finance Research updated as on March 2026 1 Finance Scores reflect a holistic assessment of fund performance, risk, and costs.
AUM
₹ 3,697 Cr(As on 31-Mar-2026)NAV
₹ 64.0931(As on 26-May-2026)Expense Ratio
0.67%(As on 31-Mar-2026)Investment Horizon
3 to 4 years
03
Debt • Medium Duration • NIFTY Medium Duration Debt Index
HDFC Medium Term Debt Fund(G)-Direct Plan
This fund ranks 3rd out of 13 funds in its category.
AUM₹ 3,697 Cr(As on 31-Mar-2026)
NAV₹ 64.0931(As on 26-May-2026)
Expense Ratio0.67%(As on 31-Mar-2026)
Investment Horizon3 to 4 years
1 Finance Score: 74/100
Yield To Maturity Score
77
Quality & Diversification Score
68
Standard Deviation Score
81
Modified Duration Score
73
AUM Score
85
Historical Performance score
71
Fundamental Ratios
Modified Duration
8.39 yearsAverage Maturity
4.59 yearsYield To Maturity
8.39%Standard Deviation
0.07%Portfolio summary
Asset Allocation
Debt
Others
92.9%
7.1%
Credit Rating
AA
44.80%
AAA
23.96%
SOV
17.73%
Others
4.00%
Cash Eqv.
2.76%
Debt Sector Allocation
Finance
37.49%
G-Sec
17.73%
Infrastructure
12.04%
Others
16.32%
Top Holdings
| Holding Names | Assets (%) |
|---|---|
| 07.18% GOI - 24-Jul-2037 | 6.15% |
| Siddhivinayak Securitisation Trust | 4.58% |
| 07.23% GOI - 15-Apr-2039 | 4.27% |
| Tata Steel Ltd. 8.03% (25-Feb-2028) | 3.83% |
| GMR Airports Ltd. BD 5.00% (13-Feb-2027) | 3.58% |
Peer comparison
| Fund List | 1 F score | Fund Size | Expense Ratio |
|---|
Pros and Cons
Pros
Potential for higher returns as the fund maintains a high Net Yield to Maturity (YTM).
High AUM often signifies stability and credibility, along with being well diversified.
Great track record of generating high returns by managing the portfolio dynamically.
The fund demonstrates a low level of volatility as the standard deviation is low.
Relatively low modified duration indicates lower sensitivity to interest rate changes, suggesting lower risk.
Cons
This fund doesn't have any cons.
Should you invest?
Invest if you are :
- Investors having a high risk appetite with investment horizon of 3 to 4 years should invest in this fund.
- Investing should be considered when interest rates in the economy are expected to remain stable or fall.
Avoid if you are :
- Short term investors and those who take very low risks should avoid this fund.
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Taxation
If bought before April 1, 2023
- Less than or equal to 24 months: Short-Term Capital Gains (STCG) are taxed as per your applicable income tax slab.
- More than 24 months: Long-Term Capital Gains (LTCG) are taxed at 12.5% on gains.
If bought after April 1, 2023
- Taxed at applicable slab rates.
Scheme Details
Scheme Objective
- To generate income / capital appreciation through investments in Debt and Money MarketInstruments. There is no assurance that the investment objective of the Scheme will be realized.
Exit Load
- Nil
Minimum investment amount
Lumpsum
₹ 100 (open for subscription)
Other details
Founded In2013
Email Addresshello@hdfcfund.com
| Fund Manager Name | Total Exp. (Years) | No. of Funds Managed |
|---|---|---|
| Shobhit Mehrotra | 23.1 | 5 |
About HDFC MF
- HDFC Mutual Fund is among the top mutual fund companies known for its consistent performance. It offers a broad spectrum of schemes to help investors achieve their financial goals.
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Frequently Asked Questions
Are debt funds risk-free?
No, debt funds aren’t entirely risk-free. They may be less volatile than equities, but carry risks like changing interest rates, credit, liquidity, concentration, and prepayment. Hence, as an investor, it is crucial you personalise your portfolio based on your financial personality, which includes your risk comfort and time horizon of your financial goals.
Is a higher yield-to-maturity (YTM) always better?
Not necessarily in every case. A higher yield-to-maturity (YTM) often implies a bond having lower credit ratings, possessing higher default risk. You must weigh YTM against your portfolio quality and your time horizon.
What’s best for an emergency fund?
An emergency fund requires saving 3-6 months of expenses, meaning planning for short-term goals. While debt funds like overnight or liquid funds are usually the preferred options due to their strong liquidity benefits, it is imperative for you to choose a fund that aligns with your financial personality.
Who can invest in debt funds?
Debt funds are suitable for investors who prefer easy liquidity, want low-risk investments, or aim for capital preservation.
Are debt funds better than equity funds?
A mutual fund scheme is designed with a specific purpose. Equity funds are for capital appreciation, while debt funds focus on capital preservation. It depends entirely on your personal finance goals, risk tolerance, and investment horizon. Choosing between debt and equity funds must align with what you want to achieve financially.
Disclaimer
The Information in the scoring and ranking model is provided solely for general information and educational purposes and shall not constitute any advice or recommendation. Mutual Fund investments are subject to market risks. Please read all scheme-related documents carefully before investing. Past performance is not an indicator of future returns.
Don't chase past returns.
Build a portfolio for the future
Our Advisory Includes
- Portfolio diversification
- Mutual fund tax harvesting
- Fund overlap check & more