Post on 22-Mar-2020
HDFC Mutual FundPRODUCT SUITE
October 2017
OCTOBER 2018
ABOUT US HDFC Asset Management Company Ltd. (AMC) was incorporated in 1999. Housing Development
Finance Corporation Limited (HDFC) and Standard Life Investments Limited (SLI), the investment arm
of The Standard Life Group, UK are the promoters of the company.
Experienced fund management and research team with experience of managing assets across market
cycles
Strong emphasis on managing and controlling portfolio risk; avoids chasing the latest “fads and trends”
Product offerings across asset and risk categories enabling investors to invest in line with their
investment objectives and risk taking capacity
One of India`s premier fund houses with Quarterly Average AUM of over Rs. 3,06,360* Crore
Source AMFI
* As of 30th Sept 2018. 2
ABOUT US
FUND CLASSES ON OFFER
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SCHEME CATEGORIES ON OFFER
Equity Schemes
Hybrid Schemes
Debt Schemes
Solution Oriented Schemes
Other Schemes ( Index Funds, ETFs & FoFs)
Fixed Maturity Plans
INVESTMENT PHILOSOPHY (EQUITIES)
The key belief is that over time, stock prices reflect their intrinsic values
Our investment philosophy and process is primarily based on long term fundamentals, margin of safety andeffective diversification
To create wealth over time, the key is capital protection and therefore we emphasize on the concept of marginof safety
We believe that it is possible to achieve higher portfolio returns through active management consistently overthe long term
A strong focus on research.
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Determination of interest rate trends, emphasis on high credit quality, controlling volatility on account ofinterest rate swings and maintaining necessary portfolio liquidity are the key determinants of our fixedincome strategy. Portfolios are built to achieve optimal risk-adjusted total returns
Extension or retraction of portfolio maturity / duration is effected only after a careful evaluation of yieldcurves, spreads between quality issuers and market sectors
Our emphasis is on instruments having high credit quality where the financial strength of the issuer (orguarantor) is well-documented by major rating services. In addition, in-house credit analysis is relied upon toarrive at relative positions within major rating categories
This approach translates into the following:
An investment style that is developed through an appraisal of the respective schemes’ investmentobjectives, expectations and positioning, risk tolerance and unique needs
Emphasis on portfolio quality in the implementation of our strategy, while using fundamental andtechnical analysis to seek opportunities for profitable investments. The focus is on detailed and betterunderstanding of the business that we invest in
Primary goal is the development and implementation of respective scheme portfolios such that optimalrisk-adjusted returns are achieved while maintaining good quality portfolio and liquidity
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INVESTMENT PHILOSOPHY (DEBT)
EQUITY SCHEMESAN OVERVIEW
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Equity Schemes
Diversified ThematicHDFC
Infrastructure Fund
ELSSHDFC TaxSaver
Market Cap Biased
Non Market Cap Biased
Large CapHDFC Top 100 Fund
Mid CapHDFC Mid Cap Opportunities Fund
Large & Mid CapHDFC Growth Opportunities Fund
Small CapHDFC Small Cap Fund
Multi CapHDFC Equity Fund
ValueHDFC Capital Builder Value Fund
FocusedHDFC Focused 30 Fund
OPEN ENDED EQUITY SCHEMES
A Fund with over 23 years track record ofexistence
A portfolio that invests in companies spanningentire market capitalization
Preference for strong companies - Strongcompanies not only survive, but emerge strongerin challenging times, reducing permanent losses
Effective diversification of portfolio – Theportfolio has always been diversified across keysectors and variables across the economy toreduce risk
A long-term approach to investing and a lowportfolio turnover
Long term oriented, disciplined and consistentapproach to investments
A strong dividend track record for the last decade(8-13% dividend yield)
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$ Dedicated Fund Manager for Overseas Investments : Rakesh Vyas. Scheme Inception Date January 01. 1995
For details on dividend distribution, refer dividend history available on website, www.hdfcfund.com. Dividend declaration is subject to availability of
distributable surplus. There is no assurance or guarantee to Unit holders as to rate/quantum of dividend distribution or that the dividends will be paid regularly.
For further details on investment strategy, asset allocation and scheme facts refer Scheme Information Document/ Key Information Memorandum
HDFC EQUITY FUND
Key Facts
Type of Scheme
An open ended equity scheme investing across large cap, mid cap & small cap stocks.
Category of Scheme
Multi Cap
Investment Objective
To generate capital appreciation / income from a portfolio, predominantly invested in equity & equity related instruments. There is no assurance that the investment objective of the Scheme will be realized.
Fund Manager$ Prashant Jain
Exit Load 1% for redemptions within 1 year . No exit load after 1 year
Benchmark NIFTY 500 Index (TRI)
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HDFC TOP 100 FUND (ERSTWHILE HDFC TOP 200 FUND)
Key Facts
Type of Scheme
An open ended equity scheme predominantly investing in large cap stocks
Category of Scheme
Large-Cap Fund
Investment Objective
To provide long-term capital appreciation/income by investing predominantly in Large-Cap companies. There is no assurance that the investment objective of the Scheme will be realized.
Fund Manager$ Prashant Jain
Exit Load 1% for redemptions within 1 year . No exit load after 1 year
Benchmark NIFTY 100 Index (TRI)
A diversified “Large Cap“ fund, the Investmentuniverse of which will be as defined by SEBIfrom time to time.
Current Investment universe: The universe of“Large Cap” shall consist of 1st to 100thcompany in terms of full market capitalization
A minimum of 80% of the funds shall beinvested in large cap stocks.
The fund with over 22 years track record ofexistence
$ Dedicated Fund Manager for Overseas Investments : Rakesh Vyas .
Scheme Inception Date October 11, 1996
For further details on investment strategy, asset allocation and scheme facts refer Scheme Information Document/ Key Information Memorandum
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HDFC MID CAP OPPORTUNITIES FUND
Key Facts
Type of SchemeAn open ended equity scheme predominantly investing in mid cap stocks
Category of Scheme
Mid Cap Fund
Investment Objective
To provide long-term capitalappreciation/income by investing predominantly in Mid-Cap companies. There is no assurance that the investment objective of the Scheme will be realized.
Fund Manager$ Chirag Setalvad
Exit Load 1% for redemptions within 1 year . No exit load after 1 year
Benchmark NIFTY Midcap 100 Index (TRI)
A diversified “Mid Cap“ fund, that investspredominantly in mid-cap stocks (65-100%), andthe balance in other than mid cap stocks anddebt securities and money market instruments.
The Fund targets well managed midcapcompanies that are growing well and availableat reasonable valuations
The fund identifies companies with soundfinancial strength and sustainable businessmodels with a focus on quality metrics likeROCE & ROE.
One of the largest funds in the mid-cap categoryand in existence for more than 11 years*
$ Dedicated Fund Manager for Overseas Investments : Rakesh Vyas
*In terms of Month end AUM as on August 31, 2018. Source – MFI . Scheme Inception Date : Jun 25, 2007
For further details on investment strategy, asset allocation and scheme facts refer Scheme Information Document/ Key Information Memorandum
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HDFC SMALL CAP FUND
Key Facts
Type of Scheme
An open ended equity scheme predominantly investing in small cap stocks
Category of Scheme
Small Cap Fund
Investment Objective
To provide long-term capital appreciation /income by investing predominantly in Small-Cap companies. There is no assurance that the investment objective of the Scheme will be realized.
Fund Manager$
Chirag Setalvad
Exit Load 1% for redemptions within 1 year . No exit load after 1 year
Benchmark NIFTY Small Cap 100 Index (TRI)
A diversified “Small Cap“ fund, that investspredominantly in Small-cap stocks (65-100%),and the balance in other than small cap stocksand debt securities and money marketinstruments.
Large investment universe for stock selection
Focus on well managed small cap companieswith businesses operating in a nicheenvironment
Identify businesses at a relatively early stage intheir life-cycle with focus on quality metrics likeROCE & ROE
Identifying companies with reasonable growthprospects and sound financial strength andsustainable business.
Seeking undervalued businesses
The fund with over 10 years track record ofexistence
$ Dedicated Fund Manager for Overseas Investments : Rakesh Vyas .
Scheme Inception Date – April 03, 2008
For further details on investment strategy, asset allocation and scheme facts refer Scheme Information Document/ Key Information Memorandum
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HDFC Growth Opportunities Fund (Erstwhile HDFC Large Cap Fund)
Key Facts
Type of Scheme
An open ended equity scheme investing in both large cap and mid cap stocks
Category of Scheme
Large & Mid Cap Fund
Investment Objective
To generate long term capital appreciation/income from a portfolio, predominantly invested in equity and equity related instruments. There is no assurance that the investment objective of the Scheme will be realized.
Fund Manager$ Vinay R. Kulkarni
Exit Load 1% for redemptions within 1 year . No exit load after 1 year
Benchmark NIFTY Large - Midcap 250 Index (TRI)
A diversified portfolio of equity and equityrelated securities of predominantly large cap andmidcap companies
Minimum exposure of 35% into large caps and35% into mid caps to ensure market capdiversification
Focus on companies spanning entire marketcapitalization which:
a) are likely to achieve above average growth;
b) enjoy distinct competitive advantages;
c) have superior financial strength;
d) are trading at relatively attractive valuations;and/or
e) have value unlocking potential.
$ Dedicated Fund Manager for Overseas Investments : Rakesh Vyas. Scheme Inception Date – February 18, 1994
For further details on investment strategy, asset allocation and scheme facts refer Scheme Information Document/ Key Information Memorandum
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HDFC Focused 30 Fund (ERSTWHILE HDFC CORE & SATELLITE FUND)
Key Facts
Type of Scheme
An open ended equity scheme investing in maximum 30 stocks in large-cap, mid-cap and small-cap category (i.e. Multi-Cap)
Category of Scheme
Focused Fund
Investment Objective
To generate long term capital appreciation/income by investing in equity & equity related instruments of up to 30 companies. There is no assurance that the investment objective of the Scheme will be realized.
Fund Manager$
Vinay R. Kulkarni
Exit Load 1% for redemptions within 1 year . No exit load after 1 year
Benchmark NIFTY 500 Index (TRI)
Focused portfolio of 30 companies
Focus on well managed companies acrossdifferent market cap segments - i.e. large, mid-cap and small cap.
Identifying companies with reasonable growthprospects.
Identify companies with sound financial strengthand sustainable business.
The Scheme aims to maintain a reasonably diversifiedportfolio at all times comprising stocks across varioussectors of the economy to reduce sector specific risks
$ Dedicated Fund Manager for Overseas Investments : Rakesh Vyas. Scheme Inception Date – September 17, 2004
For further details on investment strategy, asset allocation and scheme fScheme Inception acts refer Scheme Information Document/ Key Information
Memorandum
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HDFC CAPITAL BUILDER VALUE FUND (Erstwhile HDFC Capital Builder Fund)
Key Facts
Type of Scheme
An open ended equity scheme following a value investment strategy
Category of Scheme
Value Fund
Investment Objective
To achieve capital appreciation/income in the long term by primarily investing in undervalued stocks. There is no assurance that the investment objective of the Scheme will be realized.
Fund Manager$ Miten Lathia
Exit Load 1% for redemptions within 1 year . No exit load after 1 year
Benchmark NIFTY 500 Index (TRI)
A Fund with over 20 years track record of existence
Invests in strong companies which are reasonablyvalued
Value bias: The Scheme will generally maintain aminimum of 50% of the equity portfolio in stockswhere the trailing P/E (Price/Earnings) or trailing P/B(Price /Book Value) Ratio is less than Median P/E orP/B of stocks in the NSE 500 Index
No Market cap or sector bias: Being a multi-cap fundthe fund attempts to have good representationacross market capitalizations based on opportunityand risk-reward without any sectoral bias
4 guiding principles for portfolio creation:
1. Focus on buying value stocks
2. Bottom-up stock picking within sector
3. Sectoral diversification
4. Ensuring consistency of risk adjusted returns
Effective diversification across a wide area ofsectors to manage risk
$ Dedicated Fund Manager for Overseas Investments : Rakesh Vyas. Scheme Inception Date – February 01, 1994
For further details on investment strategy, asset allocation and scheme facts refer Scheme Information Document/ Key Information Memorandum
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HDFC TAXSAVER
Key Facts
Type of Scheme
An Open-ended Equity Linked Savings Scheme with a statutory lock in of 3 years and tax benefit
Category of SchemeEquity Linked Savings Scheme
Investment Objective
To generate capital appreciation / income from a portfolio, comprising predominantly of equity & equity related instruments. There is no assurance that the investment objective of the Scheme will be realized.
Fund Manager$ Vinay R. Kulkarni
Exit Load NIl
Benchmark NIFTY 500 Index (TRI)
Investment Rationale
Well diversified equity fund
Fund ideally positioned to take advantage of impending
growth phase in the Indian economy
The fund endeavors to give investors a superior post
tax return as compared to traditional tax saving
instruments since inception
Fund Suitability
Considering to invest for tax planning and avail benefit
of tax deduction u/s 80C of the Income – Tax Act, 1961
Looking for an alternative to traditional tax saving
instruments
Willing to invest in a diversified equity fund with
minimum lock-in period of three years
$ Dedicated Fund Manager for Overseas Investments : Rakesh Vyas. Scheme Inception Date – March 31, 1996.
For further details on investment strategy, asset allocation and scheme facts refer Scheme Information Document/ Key Information Memorandum.
The information given herein is as per prevailing tax laws. Investors should be aware that fiscal rules/tax laws may change and there can be no guarantee that the
current tax position may continue indefinitely. In view of individual nature of tax consequences, please consult your professional tax advisor.
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HDFC Infrastructure Fund
Key Facts
Type of SchemeAn open-ended equity scheme following infrastructure theme
Category of Scheme Thematic Fund
Investment Objective
To seek long-term capital appreciation/income by investing predominantly in equity and equity related securities of companies engaged in or expected to benefit from the growth and development of infrastructure. There is no assurance that the investment objective of the Scheme will be realized.
Fund Manager$ Srinivas Rao Ravuri
Exit Load NIL
Benchmark NIFTY 500 Index (TRI)
Investment Rationale
HDCF Infrastructure Fund is ideally positioned tobenefit from
Infrastructure thrust in India –
Power
Road & Railways
Clear government focus
Land & Mining laws tweaked, Labourlaws changes likely
Localisation of “Defence” procurement
With attractive valuations and prospects ofeconomic recovery, risk reward may be favorablefor the scheme over medium to long term.
$ Dedicated Fund Manager for Overseas Investments : Rakesh Vyas . Scheme Inception Date – March 10, 2008
HDFC AMC/MF is not guaranteeing or promising any returns.
For further details on investment strategy, asset allocation and scheme facts refer Scheme Information Document/ Key Information Memorandum
HYBRID SCHEMESAN OVERVIEW
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Ret
urn
s
Risk
BALANCED FUNDSAN INTRODUCTION
Broadly, hybrid funds target returns greater than
debt schemes with lower volatility than equity
schemes
Hybrid funds provide investors the growth of equity
with the stability of debt
A hybrid fund is a portfolio generally comprising
debt instruments, convertible securities, preference
and equity shares
Assets are generally held in predefined proportion of
debt / money market securities and equities
In view of the individual circumstances and risk profile, each investor is advised to consult his / her professional advisor before making a decision to invest.
Returns may or may not be proportionate to the risk. 18
Arbitrage Fund HDFC Arbitrage Fund
Conservative Hybrid Fund HDFC Hybrid Debt Fund
Equity Savings Fund HDFC Equity Savings Fund
Multi- Asset Allocation HDFC Multi Asset Fund
Aggressive Hybrid Fund HDFC Hybrid Equity Fund
Balanced Advantage Fund HDFC Balanced Advantage Fund
Aims to generate income through arbitrageopportunities arising out of pricing mismatch ina security between different markets or as aresult of special situations.
Completely hedged positions, neutralizesmarket risk (volatility) and targets absolutereturns irrespective of market conditions.
Enhance portfolio returns using different tradingstrategies within derivatives segment
Balance of safety, returns and liquidity
19$ Dedicated Fund Manager for Overseas Investments : Rakesh Vyas . Scheme Inception Date – October 23, 2007
For further details on investment strategy, asset allocation and scheme facts refer Scheme Information Document/ Key Information Memorandum.
HDFC Arbitrage Fund
Key Facts
Type of Scheme
An open ended scheme investing in arbitrage opportunities
Category of Scheme
Arbitrage Fund
Investment Objective
To generate income through arbitrage opportunities and debt & money market instruments. There is no assurance that the investment objective of the Scheme will be realized.
Fund Manager$
Krishan Kumar Daga
Exit Load 0.25 for redemptions within 1 month . No exit load after 1 month
Benchmark NIFTY 50 Arbitrage Index
Hybrid strategy with upto 25% exposure toequities
Targets returns higher than debt schemes withvolatility lower than equity schemes
Ideal for conservative and risk averse investorslooking for controlled equity exposure
Investment philosophy for fixed income : Safety,Liquidity and Returns are emphasized in thatorder
Investment philosophy for Equity exposure is tomaintain an effectively diversified portfolio withfocus on:
Sound quality companies
Companies / businesses with superiorgrowth prospects that are available at areasonable price
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$ Dedicated Fund Manager for Overseas Investments : Rakesh Vyas. Scheme Inception Date – December 26, 2003
For further details on investment strategy, asset allocation and scheme facts refer Scheme Information Document/ Key Information Memorandum.
HDFC Hybrid Debt Fund (Erstwhile HDFC MF Monthly Income Plan - Long Term Plan after merger of HDFC
MF Monthly Income Plan - Short Term Plan therein)
Key Facts
Type of SchemeAn open-ended hybrid scheme investing predominantly in debt instruments
Category of Scheme Conservative Hybrid Fund
Investment Objective
To generate income/capital appreciation by investing primarily in debt securities, money market instruments and moderate exposure to equities. There is no assurance that the investment objective of the Scheme will be realized.
Fund Manager$ Shobhit Mehrotra & Prashant Jain
Exit Load
• In respect of each purchase / switch-in of Units, 15% of the units (“the limit”) may be redeemed without any exit load from the date of allotment.
• Any redemption in excess of the limit shall be subject to the following exit load: - Exit load of 1.00% is payable if Units are redeemed / switched-out within 1 year from the date of allotment of units. No Exit Load after 1 Year.
BenchmarkNIFTY 50 Hybrid Composite Debt 15:85 Index
HDFC Equity Savings Fund seeks to provide an optimalmix of equity, debt and arbitrage opportunities.
Why Invest in HDFC Equity Savings Fund?
Long term growth – Controlled equity allocation totake advantage of the long term potential ofequities. (15-40%)
Regular Income – Debt securities (10-35%) andarbitrage securities (25-75%) reduce volatility andaid regular income.
Efficient Taxation# – Better tax efficiency than debtfunds
Low Fund Volatility – Fixed income exposure andhedged exposure (arbitrage) reduces funds volatilityinherent to directional equity exposure
Diversified Asset Allocation – Regular balancingbetween asset classes based on market conditionsand outlook.
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$ Dedicated Fund Manager for Overseas Investments : Rakesh Vyas . Scheme Inception Date : September 17, 2004
For further details on investment strategy, asset allocation and scheme facts refer Scheme Information Document/ Key Information Memorandum.
In view of the individual circumstances and risk profile, each investor is advised to consult his / her professional advisor before making a decision to invest. # provided the scheme meets the
criteria as an equity oriented scheme as per prevalent Income tax laws. HDFC Mutual Fund/AMC is not guaranteeing return on investments made in the scheme. The information given herein is
as per prevailing tax laws. Investors should be aware that fiscal rules/tax laws may change and there can be no guarantee that the current tax position may continue indefinitely.
HDFC Equity Savings Fund
Key Facts
Type of Scheme
An open ended scheme investing in equity, arbitrage and debt
Category of Scheme
Equity Savings Fund
Investment Objective
To provide capital appreciation by investing in Equity & equity related instruments, Arbitrage opportunities, and Debt & money market instruments. There is no assurance that the investment objective of the scheme will be realized.
Fund Manager$
Vinay R. Kulkarni & Krishan Kumar Daga (Equity Assets) & Anil Bamboli (Debt Assets)
Exit Load
• In respect of each purchase / switch-in of Units, 15% of the units (“the limit”) may be redeemed
without any exit load from the date of allotment.
• Any redemption in excess of the limit shall be subject to the following exit load: - Exit load of 1.00% is payable if Units are redeemed / switched-out within 1 year from the date of allotment of units. No Exit Load after 1 Year.
Benchmark40% NIFTY 50 Arbitrage Index,30% Crisil Short Term Bond Fund Index and 30% NIFTY 50 TR Index
A diversified portfolio of equity & equity relatedinstruments, debt & money market instrumentsand Gold with minimum exposure of 10% ineach of the above asset classes
As per the current investment strategy thescheme invests in the range of 65% – 80% of itscorpus in equity. And the exposure to debt &Gold and Gold related instruments rangesbetween 10% -25%*
Ideal for investors looking for a well diversifiedportfolio across asset classes to:
Benefit from the growth of equities and
Provide the stability of debt markets
Hedge against market uncertainties andinflation via Gold exposure
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$ Dedicated Fund Manager for Overseas Investments : Rakesh Vyas. Scheme Inception Date : August 17, 2005
For further details on investment strategy, asset allocation and scheme facts refer Scheme Information Document/ Key Information Memorandum.
*The current investment strategy may change based on the market outlook.
HDFC Multi Asset Fund (Erstwhile HDFC Multiple Yield Fund - Plan 2005)
Key Facts
Type of Scheme
An open ended scheme investing in Equity and Equity related instruments, Debt & Money Market Instruments and Gold
Category of Scheme Multi Asset Allocation
Investment Objective
The objective of the Scheme is to generate long term capital appreciation/income by investing in a diversified portfolio of equity & equity related instruments, debt & money market instruments and Gold. There is no assurance that the investment objective of the Scheme will be realized.
Fund Manager$ Anil Bamboli (Debt Assets)Chirag Setalvad (Equity Assets)Krishan Kumar Daga (Gold Assets)
Exit Load 1% for redemptions with 12 months . No exit load after 12 months
Benchmark90% NIFTY 50 Hybrid Composite Debt 65:35 Index + 10% Domestic Price of Gold
Targets returns greater than debt schemes withlower volatility than equity schemes
Aims at equity exposure ranging between 65%and 80% and the rest in debt, REITs, INVITs andNon Convertible Preference Shares
Retains flexibility to invest across marketcapitalisation in equity and across durationbuckets in debt
Ideal for investors looking for a well diversifiedportfolio across asset classes to:
Benefit from the growth of equities and
Provide the stability of debt markets
Fund with over 18 Year track record of existence
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$ Dedicated Fund Manager for Overseas Investments : Rakesh Vyas . Scheme Inception Date : September 11, 2000
Effective close of business hours of June 1, 2018, HDFC Balanced Fund merged with HDFC Premier Multi Cap Fund (HDFC Hybrid Equity Fund after changes in
fundamental attributes). For further details on investment strategy, asset allocation and scheme facts refer Scheme Information Document/ Key Information
Memorandum.
HDFC Hybrid Equity Fund (Erstwhile HDFC Balanced Fund and HDFC Premier Multi-Cap Fund)
Key Facts
Type of SchemeAn open ended hybrid scheme investing predominantly in equity and equity related instruments.
Category of Scheme Aggressive Hybrid Fund
Investment Objective
The investment objective of the Scheme is to generate capital appreciation / income from a portfolio, predominantly of equity & equity related instruments. The Scheme will also invest in debt and money market instruments. There is no assurance that the investment objective of the Scheme will be realized.
Fund Manager$ Chirag Setalvad
Exit Load
• In respect of each purchase / switch-in of Units, 15% of the units (“the limit”) may be redeemed without any exit load from the date of allotment.
• Any redemption in excess of the limit shall be subject to the following exit load: - Exit load of 1.00% is payable if Units are redeemed / switched-out within 1 year from the date of allotment of units. No Exit Load after 1 Year.
Benchmark NIFTY 50 Hybrid Composite Debt 65:35 Index
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HDFC Balanced Advantage Fund (Erstwhile HDFC Prudence Fund and HDFC Growth Fund)
Key Facts
Type of Scheme An open ended Balanced Advantage Fund
Category of Scheme Balanced Advantage Fund
Investment Objective
To provide long term capital appreciation / income from a dynamic mix of equity and debt investments. There is no assurance that the investment objective of the Scheme will be realized.
Fund Manager$ Prashant Jain
Exit Load
• In respect of each purchase / switch-in of Units, upto 15% of the units (“the limit”) may be redeemed without any exit load from the date of allotment.
• Any redemption in excess of the limit shall be subject to the following exit load: - Exit load of 1.00% is payable if Units are redeemed / switched-out within 1 year from the date of allotment of units. No Exit Load after 1 Year.
BenchmarkNIFTY 50 Hybrid Composite Debt 65:35 Index
Spreading the investment into two broad divisions –equities and debt (0-100% in either of the asset class)as per fund managers view over medium to long term
The fund endeavors to give twin advantage, thegrowth potential of equity as well as strongfoundation of debt
Aims at long term capital appreciation through equityexposure ranging between 65 – 75%#
The debt-equity mix at any point of time will be afunction of various factors such as interest rates,equity valuation, medium to long-term outlook of theasset classes, risk management and others
Largest* Equity Oriented Hybrid Fund in India with aAUM of ~ INR 39,215 crores as on 31st August, 2018.
The Fund has paid dividends in each of last 19years$$
$ Dedicated Fund Manager for Overseas Investments : Rakesh Vyas. Scheme Inception Date – February 01, 1994*Source: MFI. # As per current investment strategy which is subject to change based on prevailing market and economic conditions. $$ Effective close of business hours of June 1, 2018, HDFC Prudence Fund merged with HDFC Growth Fund (HDFC Balanced Advantage Fund after changes in fundamental attributes). As the portfolio characteristics and the broad investment strategy of HDFC Balanced Advantage Fund is similar to that of erstwhile HDFC Prudence Fund, the track record i.e. since inception date, dividend hsitory and past performance of erstwhile HDFC Prudence Fund has been considered, in line with SEBI circular on Performance disclosure post consolidation/ merger of scheme dated April 12, 2018. For details on dividend distribution, refer dividend history available
on website, www.hdfcfund.com. Dividend declaration is subject to availability of distributable surplus. There is no assurance or guarantee to Unit holders as to rate/quantum of dividend distribution
or that the dividends will be paid regularly. For further details on investment strategy, asset allocation and scheme facts refer Scheme Information Document/ Key Information Memorandum.
DEBT FUNDSAN OVERVIEW
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Debt Schemes
Duration Based
HDFC Overnight Fund
OPEN ENDED DEBT SCHEMES
HDFC Money Market Fund
HDFC Low Duration Fund
HDFC Short Term Debt Fund
HDFC Medium Term Debt Fund
HDFC Income Fund
Theme Based
HDFC Gilt Fund
HDFC Banking & PSU Debt Fund
HDFC Corporate Bond Fund
HDFC Floating Rate Debt Fund
HDFC Credit Risk Fund
HDFC Dynamic Debt Fund
HDFC Liquid Fund
HDFC Ultra Short Term Fund
DURATION BASED DEBT SCHEMESAN OVERVIEW
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Ideal for parking surplus money pendingdeployment upto 3 months.
The scheme invests upto 100% of its assets indebt and money market instruments withovernight maturity.
Investments under the Scheme would be madepredominantly in Collateralised Borrowing &Lending Obligations (CBLO), overnight reverserepos and fixed income securities/instrumentswith overnight maturity.
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Scheme Inception Date : February 06, 2002
For further details on investment strategy, asset allocation and scheme facts refer Scheme Information Document/ Key Information Memorandum.
HDFC Overnight Fund (Erstwhile HDFC Cash Management Fund - Call Plan)
Key Facts
Type of SchemeAn open ended debt scheme investing in overnight securities
Category of Scheme
Overnight Fund
Investment Objective
To generate returns by investing in debt and money market instruments with overnight maturity. There is no assurance that the investment objective of the Scheme will be realized.
Fund Manager Anil Bamboli
Exit Load NIL
Benchmark CRISIL CBLO Index
Ideal for parking surplus money pendingdeployment or for meeting contingencies.
The scheme is ideal for those with aninvestment horizon of up to 3 months.
The Scheme invests in debt and money marketinstruments with residual maturity notexceeding 91 days, subject to regulatorychanges from time to time.
Aims to generate stable income
High liquidity
Low credit risk
Suitable for investment even for a single day
No lock-in, no entry / exit load
29$ Dedicated Fund Manager for Overseas Investments : Rakesh Vyas. Scheme Inception Date – October 17, 2000
For further details on investment strategy, asset allocation and scheme facts refer Scheme Information Document/ Key Information Memorandum.
HDFC Liquid Fund
Key Facts
Type of SchemeAn Open-ended Liquid Scheme
Category of Scheme
Liquid Fund
Investment Objective
To generate income through a portfolio comprising money market and debt instruments. There is no assurance that the investment objective of the Scheme will be realized.
Fund Manager$ Anupam Joshi
Exit Load NIL
Benchmark CRISIL Liquid Fund Index
30$ Dedicated Fund Manager for Overseas Investments : Rakesh Vyas. Scheme Inception Date – September 25, 2018
For further details on investment strategy, asset allocation and scheme facts refer Scheme Information Document/ Key Information Memorandum.
HDFC Ultra Short Term Fund
Focuses on investing in debt securities andmoney market instruments such that theMacaulay Duration of the portfolio is between 3and 6 months.
A well-diversified portfolio of debt (includingsecuritised debt) and money market instruments
Aims to maintain high degree of liquidity withlow levels of interest rate risk.
The scheme is ideal for those with an investmenthorizon of 2-6 months.
Key Facts
Type of Scheme
An open ended ultra-short term debt scheme investing in instruments such that the Macaulay Duration of the portfolio is between 3 months and 6 months.
Category of Scheme
Ultra Short Duration Fund
Investment Objective
To generate income / capital appreciation through investment in debt securities and money market instruments. There is no assurance that the investment objective of the Scheme will be realized.
Fund Manager$ Anil Bamboli
Exit Load NIL
Benchmark CRISIL Ultra Short Term Debt Index
Invests into money market instruments havingmaturity of upto 1 year
Money market instruments includes commercialpapers, commercial bills, treasury bills,Government securities having an unexpiredmaturity upto one year, call or notice money,certificate of deposit, usance bills and any otherlike instruments as specified by the ReserveBank of India from time to time
Suitable for investments with a horizon of 3 to 6months
Low levels of interest rate risks
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$ Dedicated Fund Manager for Overseas Investments : Rakesh Vyas. Scheme Inception date – November 18, 1999
For further details on investment strategy, asset allocation and scheme facts refer Scheme Information Document/ Key Information Memorandum.
HDFC Money Market Fund (Erstwhile HDFC Cash Management Fund - Savings Plan)
Key Facts
Type of SchemeAn open ended debt scheme investing in money market instruments
Category of Scheme
Money Market Fund
Investment Objective
To generate income / capital appreciation by investing in money market instruments. There is no assurance that the investment objective of the Scheme will be realized.
Fund Manager$ Anil Bamboli
Exit Load NIL
Benchmark CRISIL Liquid Fund Index
Focuses on investing in debt securities andmoney market instruments such that theMacaulay Duration of the portfolio is between 6and 12 months.
A well-diversified portfolio of debt (includingsecuritised debt) and money market instruments
Aims to generate returns commensurate withlow levels of interest rate risk.
The scheme is ideal for those with an investmenthorizon of 3-6 months.
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$ Dedicated Fund Manager for Overseas Investments : Rakesh Vyas. Scheme Inception Date – November 18, 1999
For further details on investment strategy, asset allocation and scheme facts refer Scheme Information Document/ Key Information Memorandum.
In view of the individual circumstances and risk profile, each investor is advised to consult his / her professional advisor before making a decision to invest.
HDFC Low Duration Fund (Erstwhile HDFC Cash Management Fund - Treasury Advantage Plan)
Key Facts
Type of Scheme
An open ended low duration debt scheme investing in instruments such that the Macaulay Duration of the portfolio is between 6 months and 12 months
Category of Scheme
Low Duration Fund
Investment Objective
To generate income / capital appreciation through investment in debt securities and money market instruments. There is no assurance that the investment objective of the Scheme will be realized.
Fund Manager$ Anupam Joshi
Exit Load NIL
Benchmark CRISIL Liquid Fund Index
Focuses on generating regular income byinvesting in debt & money market instrumentswhile
The scheme aims to maintain a MacaulayDuration 1 to 3 years.
The focus is on returns through interest accrualsby building a relatively higher quality creditportfolio with a shorter maturity profile.
The scheme is ideal for an investment horizon of6-12 months.
33
$ Dedicated Fund Manager for Overseas Investments : Rakesh Vyas. Scheme Inception Date : June 25, 2010
For further details on investment strategy, asset allocation and scheme facts refer Scheme Information Document/ Key Information Memorandum.
HDFC Short Term Debt Fund (Erstwhile HDFC Short Term Opportunities Fund)
Key Facts
Type of Scheme
An open ended short term debt scheme investing in instruments such that the Macaulay Duration of the portfolio is between 1 year and 3 years.
Category of Scheme
Short Duration Fund
Investment Objective
To generate income / capital appreciation through investments in Debt and Money Market Instruments. There is no assurance that the investment objective of the Scheme will be realized.
Fund Manager$ Anil Bamboli
Exit Load NIL
Benchmark CRISIL Short Term Bond Fund Index
Invests in debt, money market and relatedinstruments of various maturities
Attempts to maintain a Macaulay Duration ofthe portfolio between 3 to 4 years under normalcircumstances.
The Fund follows a duration managementstrategy by keeping a close watch on variousdomestic and global macro-economic variables.
The fund is ideal for those with an investmenthorizon of 6-12 months.
34
$ Dedicated Fund Manager for Overseas Investments : Rakesh Vyas. Scheme Inception Date – February 06, 2002
For further details on investment strategy, asset allocation and scheme facts refer Scheme Information Document/ Key Information Memorandum.
HDFC Medium Term Debt Fund (Erstwhile HDFC High Interest Fund - Short Term Plan)
Key Facts
Type of Scheme
An open ended medium term debt scheme investing in instruments such that the Macaulay Duration of the portfolio is between 3 years and 4 years
Category of Scheme
Medium Duration Fund
Investment Objective
To generate income / capital appreciation through investments in Debt and Money Market Instruments. There is no assurance that the investment objective of the Scheme will be realized.
Fund Manager$ Shobhit Mehrotra
Exit Load NIL
Benchmark CRISIL Short Term Bond Fund Index
Focuses on generating returns over a medium tolong term by investing in debt securities andmoney market instruments.
The fund attempts to maintain a portfolioMacaulay Duration between 4 to 7 years undernormal circumstances.
The Fund focuses on optimizing returns whilemaintaining a balance of safety, yield andliquidity.
The scheme is ideal for those with aninvestment horizon of 12-18 months.
35
$ Dedicated Fund Manager for Overseas Investments : Scheme Inception Date – September 11, 2000
For further details on investment strategy, asset allocation and scheme facts refer Scheme Information Document/ Key Information Memorandum.
HDFC Income Fund (Erstwhile HDFC High Interest Fund - Short Term Plan)
Key Facts
Type of Scheme
An open ended medium term debt scheme investing in instruments such that the Macaulay Duration of the Portfolio is between 4 years and 7 years
Category of Scheme
Medium to Long Duration Fund
Investment Objective
To generate income / capital appreciation through investments in debt and money market instruments. There is no assurance that the investment objective of the Scheme will be realized.
Fund Manager$ Shobhit Mehrotra
Exit Load 0.25% upto 1 month . No exit load after 1 month
Benchmark CRISIL Composite Bond Fund Index
THEME BASED DEBT SCHEMESAN OVERVIEW
36
Fund invests in sovereign securities issued bythe Central and State Governments in Indiaacross maturities, on the basis of interest rateoutlook.
The fund focuses on offering credit risk freereturns over a medium to long term.
Global & Local macroeconomic variables such asgrowth, inflation, currency & liquidity areevaluated to arrive at an interest rate outlook &position the portfolio accordingly.
A well managed portfolio of sovereign securitieswith a track record of existence of over 17 years.
The scheme is ideal for those with aninvestment horizon of 12-18 months.
37
$ Dedicated Fund Manager for Overseas Investments : Rakesh Vyas. Scheme Inception Date – July 25, 2001
For further details on investment strategy, asset allocation and scheme facts refer Scheme Information Document/ Key Information Memorandum.
HDFC Gilt Fund (Erstwhile HDFC Gilt Fund - Long Term Plan)
Key Facts
Type of SchemeAn open ended debt scheme investing in government securities across maturities
Category of Scheme
Gilt Fund
Investment Objective
To generate credit risk-free returns through investments in sovereign securities issued by the Central Government and/or State Government. There is no assurance that the investment objective of the Scheme will be realized.
Fund Manager$ Anil Bamboli
Exit Load NIL
Benchmark CRISIL Dynamic Gilt Index
HDFC Banking & PSU Fund focuses ongenerating regular income by investingpredominantly (a minimum of 80%) in debtsecurities issued by Public Sector Undertakings(PSUs), Public Financial Institutions (PFIs),banking companies, and municipal bonds.
The defined universe of securities ensuresrelatively high credit quality of the portfolio.
Benefits from interest accruals.
The scheme is ideal for those with aninvestment horizon of 6-12 months.
38
$ Dedicated Fund Manager for Overseas Investments : Rakesh Vyas. Scheme Inception Date : March 26, 2014
For further details on investment strategy, asset allocation and scheme facts refer Scheme Information Document/ Key Information Memorandum.
HDFC Banking and PSU Debt Fund
Key Facts
Type of Scheme
An open ended debt scheme predominantly investing in debt instruments of Banks, Public Sector Undertakings, Public Financial Institutions and Municipal Bonds
Category of Scheme Banking and PSU Fund
Investment Objective
To generate income / capital appreciation through investments in debt and money market instruments consisting predominantly of securities issued by entities such as Scheduled Commercial Banks (SCBs), Public Sector undertakings (PSUs), Public Financial Institutions (PFIs), Municipal Corporations and such other bodies. There is no assurance that the investment objective of the Scheme will be realized.
Fund Manager$ Anil Bamboli
Exit Load NIL
Benchmark CRISIL Short Term Bond Fund Index
Fund focuses on generating generate income byinvesting predominantly (minimum 80%) incorporate bonds rated AA+ and above and
Developing a well-diversified portfolio of debt(including securitised debt) and money marketinstruments, with a short to medium term view.
The scheme focuses on maximising incomewhile maintaining an optimal balance of yield,safety, & liquidity.
The scheme is ideal for those with aninvestment horizon of 6-12 months.
39
$ Dedicated Fund Manager for Overseas Investments : Rakesh Vyas. Scheme Inception Date : June 29, 2010
For further details on investment strategy, asset allocation and scheme facts refer Scheme Information Document/ Key Information Memorandum.
HDFC Corporate Bond Fund (Erstwhile HDFC Medium Term Opportunities Fund after merger of HDFC
Floating Rate Income Fund - Long Term Plan and HDFC Gilt Fund - Short Term Plan therein)
Key Facts
Type of SchemeAn open ended debt scheme predominantly investing in AA+ and above rated corporate bonds.
Category of Scheme Corporate Bond Fund
Investment Objective
To generate income / capital appreciation through investments predominantly in AA+ and above rated corporate bond. There is no assurance that the investment objective of the Scheme will be realized.
Fund Manager$ Anupam Joshi
Exit Load NIL
Benchmark CRISIL Composite Bond Fund Index
Invests predominantly in short term floating ratedebt securities, fixed rate debt instrumentsswapped for floating rate returns, & moneymarket instruments.
Currently the scheme is positioned at theshorter end of the yield curve.
The ideal investment horizon in this fund is 3-6months.
40
$ Dedicated Fund Manager for Overseas Investments : Rakesh Vyas. Scheme Inception Date – January 16, 2003
For further details on investment strategy, asset allocation and scheme facts refer Scheme Information Document/ Key Information Memorandum.
HDFC Floating Rate Debt Fund (Erstwhile HDFC Floating Rate Income Fund - Short Term Plan
Key Facts
Type of Scheme
An open ended debt scheme predominantly investing in floating rate instruments (including fixed rate instruments converted to floating rate exposures using swaps / derivatives)
Category of Scheme Floater Fund
Investment Objective
To generate income / capital appreciation through investment in a portfolio comprising substantially of floating rate debt, fixed rate debt instruments swapped for floating rate returns and money market instruments. There is no assurance that the investment objective of the Scheme will be realized.
Fund Manager$ Shobhit Mehrotra
Exit Load NIL
Benchmark CRISIL Liquid Fund Index
Focuses on returns and regular income byinvesting predominantly in AA and below ratedcorporate debt
Invest a minimum of 65% into a diversifiedportfolio of debt securities, with as rating of AAand below ( excluding AA+ rated bonds)
While credit risk of such instruments is higher,the disciplined strategy for credit research givesan additional edge to the overall debt portfolio.
Lower rated securities have higher interestaccruals
The scheme is ideal for an investment horizon ofover 18 months.
41$ Dedicated Fund Manager for Overseas Investments : Rakesh Vyas. Scheme Inception Date – March 25, 2014
For further details on investment strategy, asset allocation and scheme facts refer Scheme Information Document/ Key Information Memorandum.
HDFC Credit Risk Debt Fund (Erstwhile HDFC Corporate Debt Opportunities Fund after merger of
HDFC Regular Savings Fund therein)
Key Facts
Type of SchemeAn open ended debt scheme predominantly investing in AA and below rated corporate bonds (excluding AA+ rated corporate bonds).
Category of Scheme Credit Risk Fund
Investment Objective
To generate income / capital appreciation by investing predominantly in AA and below rated corporate debt. There is no assurance that the investment objective of the Scheme will be realized.
Fund Manager$ Shobhit Mehrotra
Exit Load
• In respect of each purchase / switch-in of Units, 15% of the units (“the limit”) may be redeemed without any exit load from the date of allotment.
• Any redemption in excess of the limit shall be subject to the following exit load: -Exit load of 1.00% is payable if Units are redeemed / switched-out within 12 months from the date of allotment /
• 0.50% if Units are redeemed/switched-out within 18 month , from the date of allotment of units.
• No Exit Load after 18 months from the date of allotment.
Benchmark CRISIL Short Term Bond Fund Index
Fund invests in debt, money market and relatedinstruments across maturities on the basis ofthe expected interest rate outlook.
The fund follows an active durationmanagement strategy. It may also tacticallychange allocations between Gilt & other debt &Money Market Instruments. .
Further, the Fund looks for opportunities acrossthe curve both on the GILT as well as thecorporate bond markets in order to capturespread movements.
The scheme is ideal for those with aninvestment horizon of 12-18 months.
42
$ Dedicated Fund Manager for Overseas Investments : Rakesh Vyas. Scheme Inception Date – April 28, 1997
For further details on investment strategy, asset allocation and scheme facts refer Scheme Information Document/ Key Information Memorandum.
HDFC Dynamic Debt Fund (Erstwhile HDFC High Interest Fund - Dynamic Plan)
Key Facts
Type of SchemeAn open ended dynamic debt Scheme investing across duration
Category of Scheme
Dynamic Bond Fund
Investment Objective
To generate income / capital appreciation by investing in a range of debt and money market instruments. There is no assurance that the investment objective of the Scheme will be realized.
Fund Manager$ Anil Bamboli
Exit Load
0.50% for redemptions within 6 months . No exit load after 6 months
Benchmark CRISIL Composite Bond Fund Index
SOLUTION ORIENTED SCHEMESAN OVERVIEW
43
Long term investment vehicle targetingretirement corpus
Choice of 3 plans – Depending on age and riskprofiles
‒ Equity Plan
‒ Hybrid Equity Plan
‒ Hybrid Debt Plan
Investments in the scheme qualify for benefitsU/s 80 C of the Income tax Act, 1961
Product offerings across asset and riskcategories
Enabling investors to invest in line with theirinvestment objectives and risk taking capacity
44
$ Dedicated Fund Manager for Overseas Investments : Rakesh Vyas. Scheme Inception Date – February 25, 2016
For further details on investment strategy, asset allocation and scheme facts refer Scheme Information Document/ Key Information Memorandum.
In view of the individual circumstances and risk profile, each investor is advised to consult his / her professional advisor before making a decision to invest.
The information given herein is as per prevailing tax laws. Investors should be aware that fiscal rules/tax laws may change and there can be no guarantee that the
current tax position may continue indefinitely. In view of individual nature of tax consequences, please consult your professional tax advisor.
HDFC Retirement Savings Fund (A notified Tax Savings Cum Pension Scheme)
(Equity Plan, Hybrid Equity Plan & Hybrid Debt Plan)
Key Facts
Type of SchemeAn open ended retirement solution oriented scheme having a lock-in of 5 years or till retirement age (whichever is earlier)
Category of Scheme Retirement Fund
Investment Objective
The investment objective of the Investment Plans under the Scheme is to provide long-term capital appreciation / income by investing in a mix of equity and debt instruments to help investors meet their retirement goals. There is no assurance that the investment objective of the Scheme will be realized
Fund Manager$ Chirag Setalvad (Equity Assets)Shobhit Mehrotra (Debt Assets)
Exit Load NIL
Benchmark
Equity Plan - NIFTY 500 Index Hybrid- Equity Plan - NIFTY 50 Hybrid Composite Debt 65:35 Index Hybrid-Debt Plan - NIFTY 50 Hybrid Composite Debt 15:85 Index
Meant for all children below the age of 18 years
Healthy allocation towards equities which is anideal long-term asset class coupled with debtallocation which provides stable returns
Personal accident insurance for parent/ legalguardian of up to Rs 10 lakhs*
Investments can be made on a lump sum or SIPbasis and there is no limit to the number oftransactions in any given year. No maximumlimit on investment
Easy hassle free withdrawal options
Benefit from the long term potential of equitywhile maintaining the stability of debt
45
$ Dedicated Fund Manager for Overseas Investments : Rakesh Vyas. Scheme Inception Date – March 02, 2001
*Subject to the terms and conditions of the Scheme & the Group Personal Accident Insurance Policy.
For further details on investment strategy, asset allocation and scheme facts refer Scheme Information Document/ Key Information Memorandum.
In view of the individual circumstances and risk profile, each investor is advised to consult his / her professional advisor before making a decision to invest.
HDFC Children’s Gift Fund
Key Facts
Type of SchemeAn open ended fund for investment for children having a lock-in for at least 5 years or till the child attains age of majority (whichever is earlier)
Category of Scheme
Children’s Fund
Investment Objective
To generate capital appreciation / income from a portfolio of equity & equity related instruments and debt and money market instruments. There is no assurance that the investment objective of the Scheme will be realized
Fund Manager$ Chirag Setalvad
Exit Load NIL
Benchmark NIFTY 50 Hybrid Composite Debt 65:35 Index
OTHER SCHEMESAN OVERVIEW
46
47For further details on investment strategy, asset allocation and scheme facts refer Scheme Information Document/ Key Information Memorandum
Index Funds
• HDFC Index Fund -NIFTY 50 Plan
• HDFC Index Fund -SENSEX Plan
Exchange Traded Funds
• HDFC NIFTY 50 ETF
• HDFC Sensex ETF
• HDFC Gold ETF
Fund of Funds
• HDFC Gold Fund
• HDFC Dynamic PE Ratio Fund of Funds
48For further details on investment strategy, asset allocation and scheme facts refer Scheme Information Document/ Key Information Memorandum
HDFC Index Funds
HDFC Index Fund - NIFTY 50 Plan (Erstwhile HDFC Index Fund - NIFTY Plan)
HDFC Index Fund - SENSEX Plan (Erstwhile HDFC Index Fund - SENSEX Plan & SENSEX Plus Plan)
Type of Scheme
An open ended scheme replicating/tracking NIFTY 50 Index
An open-ended scheme replicating/ tracking S&P BSE SENSEX Index
Category of Scheme
Index Fund Index Fund
Investment Objective
The investment objective of the Scheme is to generate returns that are commensurate with the performance of the NIFTY 50 Index, subject to tracking errors. There is no assurance that the investment objective of the Scheme will be realized.
The investment objective of the Scheme is to generate returns that are commensurate with the performance of the S&P BSE SENSEX Index, subject to tracking errors There is no assurance that the investment objective of the Scheme will be realized.
Fund Manager$
Krishan Kumar Daga Krishan Kumar Daga
Exit Load 0.25 % upto 3 daysNo exit load after 3 days
0.25 % upto 3 days No exit load after 3 days
Benchmark NIFTY 50 Index (Total Returns Index) S&P BSE SENSEX Index (Total Returns Index)
49For further details on investment strategy, asset allocation and scheme facts refer Scheme Information Document/ Key Information Memorandum
HDFC Exchange Traded Funds
Product Details
Scheme Name
HDFC NIFTY 50 ETF HDFC SENSEX ETF HDFC Gold Exchange Traded Fund
Type of Scheme
An open ended scheme replicating/ tracking NIFTY 50 Index
An open ended scheme replicating/ tracking S&P BSE SENSEX Index
An open ended scheme replicating / tracking performance of Gold
Investment Objective
The investment objective ofHDFC Nifty 50 ETF is to generatereturns that are commensuratewith the performance of theNIFTY 50 Index, subject totracking error. There is noassurance that the investmentobjective of the scheme will berealized.
The investment objective ofHDFC SENSEX ETF is to generatereturns that are commensuratewith the performance of the S&PBSE SENSEX Index, subject totracking error. There is noassurance that the investmentobjective of the Scheme will berealized.
The investment objective of theScheme is to generate returnsthat are in line with theperformance of gold, subject totracking errors. There is noassurance that the investmentobjective of the Scheme will berealized.
Fund Manager$
Krishan Kumar Daga Krishan Kumar Daga Krishan Kumar Daga
Exit Load NIL NIL NIL
BenchmarkNIFTY 50 Index (Total Returns Index)
S&P BSE SENSEX Index (Total Returns Index)
Domestic Price of Physical Gold.
50
For further details on investment strategy, asset allocation and scheme facts refer Scheme Information Document/ Key Information Memorandum
HDFC Fund of Funds
Product Details
Scheme Name HDFC Gold Fund HDFC Dynamic PE Ratio Fund of Funds
Type of Scheme
An open ended Fund of Fund scheme investing in HDFC Gold Exchange Traded Fund
An open ended Fund of Fund scheme investing in equity and debt schemes of HDFC Mutual Fund
Category of Scheme Fund of Fund (Domestic) Fund of Funds
Investment Objective
To seek capital appreciation by investing in units of HDFC Gold Exchange Traded Fund (HGETF). There is no assurance that the investment objective of the scheme will be realized.
To seek capital appreciation by managing the asset allocation between specified equity and debt schemes of HDFC Mutual Fund. There is no assurance that the investment objective of the Scheme will be realized
Fund Manager$ Krishan Kumar Daga Krishan Kumar Daga
Exit Load
2% for redemptions within 6 months1% after 6 Months but within 1 year No exit load after 1 year
1 % for redemptions within 1 year No exit load after 1 year
Benchmark Domestic Price of Physical Gold. NIFTY 50 Hybrid Composite Debt 65:35 Index
PRODUCT LABELLING – EQUITY SCHEMESName of Scheme This product is suitable for investors who are seeking* Riskometer
HDFC Top 100 Fund• To generate long-term capital appreciation/ income
• Investment predominantly in Large-Cap companies
Investors understand that their
principal will be at moderately high risk
HDFC Mid Cap Opportunities
Fund
• To generate long-term capital appreciation/ income
• Investment predominantly in Mid-Cap companies
HDFC Small Cap Fund• To generate long-term capital appreciation/ income
• Investment predominantly in Small-Cap companies
HDFC Growth Opportunities
Fund
• To generate long-term capital appreciation/ income
• Investment predominantly in Large Cap & Mid Cap companies
HDFC Equity Fund• To generate long-term capital appreciation/ income
• Investment predominantly in equity & equity related instruments
HDFC Capital Builder Value Fund• To generate long-term capital appreciation/income in the long term
• Investment primarily in undervalued stocks
HDFC Focused 30 Fund• To generate long-term capital appreciation/ income
• Investment predominantly in equity & equity related instruments of upto 30
companies
HDFC Tax Saver Fund• To generate long-term capital appreciation/ income
• Investment predominantly in equity & equity related instruments
HDFC Infrastructure Scheme
• To generate long-term capital appreciation/ income
• Investment predominantly in equity & equity related instruments of companies
engaged in or expected to benefit from the growth and development of
infrastructure
Investors understand that their
principal will be at high risk
* Investors should consult their financial advisers if in doubt about whether the product is suitable for them.51
PRODUCT LABELLING – HYBRID SCHEMES
Name of Scheme This product is suitable for investors who are seeking* Riskometer
HDFC Arbitrage Fund• Income over short term.
• Income through arbitrage opportunities between cash and
derivative market and arbitrage opportunities within the
derivative segment
Investors understand that their principal will be at
moderately low risk
HDFC Hybrid Debt Fund
• To generate long-term income /capital appreciation
• Investments primarily in debt securities, money market
instruments and moderate exposure to equities
Investors understand that their principal will be at
moderately high risk
HDFC Equity Savings Fund
• Capital appreciation while generating income over medium
to long term.
• Provide capital appreciation and income distribution to the
investors by using equity and equity related instruments,
arbitrage opportunities, and investments in debt and money
market instruments
HDFC Multi –Asset Fund
• To generate long-term income /capital appreciation
• Investments in a diversified portfolio of equity & equity
related instruments, debt & money market instruments and
Gold
HDFC Hybrid Equity Fund
• To generate long-term income /capital appreciation
• Investments predominantly in equity & equity related
instruments. The Scheme will also invest in debt and money
market instruments
HDFC Balanced Advantage
Fund
• To generate long-term income /capital appreciation
• Investments in a mix of equity & debt instruments
* Investors should consult their financial advisers if in doubt about whether the product is suitable for them.
52
PRODUCT LABELLING – DEBT SCHEMES CONTD..
Name of Scheme This product is suitable for investors who are seeking* Riskometer
HDFC Overnight Fund
• Regular income over short term that may be in line with the
overnight call rates
• To generate returns by investing in debt and money market
instruments with overnight maturity
Investors understand that their principal will
be at low risk
HDFC Liquid Fund
• Regular income over short term
• To generate income through a portfolio comprising money
market and debt instruments
HDFC Ultra Short Term Fund
• Income over short term
• income/ capital appreciation through investment in debt
securities and money market instruments.
Investors understand that their principal will
be at moderately low risk
HDFC Money Market Fund
• Income over short term
• To generate income/ capital appreciation by investing in money
market instruments.
HDFC Low Duration Fund
• Income over short term
• To generate income/ capital appreciation through investment in
debt securities and money market instruments.
HDFC Short Term Debt Fund• Income over short term
• To generate income/ capital appreciation through investment in
debt and money market instruments.
HDFC Corporate Bond Fund
Fund
• Income over short to medium term
• To generate income / capital appreciation through investments
predominantly in AA+ and above rated corporate bonds
HDFC Floating Rate Debt Fund
• Income over short term
• To generate income / capital appreciation through investments in
a portfolio comprising substantially of floating rate debt, fixed
rate debt instruments swapped for floating rate returns and
money market instruments
* Investors should consult their financial advisers if in doubt about whether the product is suitable for them.53
PRODUCT LABELLING – DEBT SCHEMES
Name of Scheme This product is suitable for investors who are seeking* Riskometer
HDFC Medium Term Debt
Fund
• Income over medium term
• To generate income/ capital appreciation by investments in debt
and money market instruments.
Investors understand that their principal will
be at moderate risk
HDFC Income Fund
• Income over medium to long term
• To generate income/ capital appreciation through investments in
debt and money market instruments.
HDFC Gilt Fund
• Credit risk free returns over medium to long term
• To generate credit risk-free returns through investments in
sovereign securities issued by the Central Government and / or
State Government.
HDFC Banking and PSU Debt
Fund
• Income over short to medium term
• To generate income / capital appreciation through investments in
debt and money market instruments consisting predominantly of
securities issued by entities such as Scheduled Commercial Banks
(SCBs), Public Sector undertakings (PSUs), Public Financial
Institutions (PFIs), Municipal Corporations and such other bodies
HDFC Credit Risk Fund
• Income over short to medium term
• To generate income / capital appreciation by investing
predominantly in AA and below rated corporate debt (excluding
AA+ rated corporate bonds)
HDFC Dynamic Debt Fund
• Income over medium to long term
• To generate income/ capital appreciation by investing in a range of
debt and money market instruments
* Investors should consult their financial advisers if in doubt about whether the product is suitable for them.54
PRODUCT LABELLING
Name of Scheme This product is suitable for investors who are seeking* Riskometer
HDFC Retirement
Savings Fund –
Equity Plan
• A corpus to provide for pension in the form of income to the
extent of the redemption value of their holding after the age of 60
years.
• Investment predominantly in equity and equity related instruments
Investors understand that their principal will be at
moderately high risk
HDFC Retirement
Savings Fund –
Hybrid Equity Plan
• A corpus to provide for pension in the form of income to the
extent of the redemption value of their holding after the age of 60
years.
• Investment predominantly in equity and equity related instruments &
balance in debt and money market instruments.
HDFC Retirement
Savings Fund –
Hybrid Debt Plan
• A corpus to provide for pension in the form of income to the
extent of the redemption value of their holding after the age of 60
years.
• Investment predominantly n debt and money market instruments &
balance in equity and equity related instruments.
HDFC Children’s
Gift Fund
• Capital appreciation over long term
• Investment in equity and equity related instruments as well as debt
and money market instruments.
* Investors should consult their financial advisers if in doubt about whether the product is suitable for them.
55
PRODUCT LABELLING – SOLUTION ORIENTED SCHEMES
PRODUCT LABELLING
Name of Scheme This product is suitable for investors who are seeking* Riskometer
HDFC Index Fund -
NIFTY 50 Plan
• Returns that are commensurate with the performance of the
NIFTY 50, subject to tracking errors over long term
• Investment in equity securities covered by the NIFTY 50
Investors understand that their principal will be at
moderately high risk
HDFC Index Fund -
SENSEX Plan
• Returns that are commensurate with the performance of the S&P
BSE SENSEX, subject to tracking errors over long term
• Investment in equity securities covered by the S&P BSE SENSEX
HDFC NIFTY 50 ETF
• Returns that are commensurate with the performance of the
NIFTY 50, subject to tracking errors over long term
• Investment in equity securities covered by the NIFTY 50.
HDFC SENSEX ETF
• Returns that are commensurate with the performance of the S&P
BSE SENSEX, subject to tracking errors over long term
• Investment in equity securities covered by the S&P BSE SENSEX.
HDFC Gold Exchange
Traded Fund
• Returns that are commensurate with the performance of the gold,
subject to tracking errors over long term
• Investment predominantly in Gold bullion of 0.995 fineness.
HDFC Gold Fund
• Capital appreciation over long term
• Investment in Units of HDFC Gold Exchange Traded Fund
(HGETF). HGETF invests in gold bullion of 0.995 fineness
HDFC Dynamic PE Ratio
Fund of Funds
• Capital appreciation over long term
• Investment in specified equity and debt schemes of HDFC Mutual
Fund based on PE Ratios
* Investors should consult their financial advisers if in doubt about whether the product is suitable for them. 56
PRODUCT LABELLING – OTHER SCHEMES
DISCLAIMER
This presentation dated 12th October 2018 has been prepared by HDFC Asset Management Company Limited (HDFC
AMC) based on internal data, publicly available information and other sources believed to be reliable. Any calculations made
are approximations, meant as guidelines only, which you must confirm before relying on them. The information contained in
this document is for general purposes only. The document is given in summary form and does not purport to be complete.
The document does not have regard to specific investment objectives, financial situation and the particular needs of any
specific person who may receive this document. The information/ data herein alone are not sufficient and should not be used
for the development or implementation of an investment strategy. The statements contained herein are based on our
current views and involve known and unknown risks and uncertainties that could cause actual results, performance or events
to differ materially from those expressed or implied in such statements. Past performance may or may not be sustained in
future. Neither HDFC AMC and HDFC Mutual Fund nor any person connected with them, accepts any liability arising from
the use of this document. The recipient(s) before acting on any information herein should make his/her/their own
investigation and seek appropriate professional advice and shall alone be fully responsible / liable for any decision taken on
the basis of information contained herein.
Mutual fund investments are subject to market risks, read all scheme related
documents carefully.
57