HDFC Low Duration Fund

Q: What are the returns of this mutual fund scheme?

The HDFC Low Duration Fund is a 26 yrs 2 m old fund and has delivered average annual returns of 7.05% since inception. HDFC Low Duration Fund Returns 1-Year 3-Year 5-Year 10-Year Since Inception 6.82% 7.11% 5.89% 6.67% 7.05%

Q: How much does this mutual fund charge as expense ratio?

The HDFC Low Duration Fund has an expense ratio of 1.05% , representing the annual cost of managing and operating the fund. This fee is deducted from the fund's AUM while declaring the daily NAV, reducing investor returns.

NAV as of Feb 02, 2026	Returns since inception	ET Money Rank	AUM (Fund size)
₹59.6517+0.06% 1 day change	7.05% p.a.	App exclusive #NA View Ranked Funds	₹24,647 Cr

Historical NAV & returns

NAV: ₹59.6517 as on Feb 02, 2026

This fund Category average

HDFC Low Duration Fund overview

AUM (Fund size)	₹24,647 Cr
Exit load	0%
Lock-in Period	Nil
Age	26 yrs 2 m since Nov 18, 1999
Benchmark	NIFTY Low Duration Debt Index A-I
Min. investment	SIP: ₹500 & Lumpsum: ₹5000
Expense ratio	1.05% as on Feb 02, 2026
Plan type	Regular
Risk	Low to Moderate
Tax on your gains	Profits are added to your income and taxed as per your slab rate

HDFC Low Duration Fund Returns calculator

Investment type

Monthly investment

₹ 10,000

Investment period

Lumpsum investment

₹1 lakh

Investment period

Disclaimer: Products compared like fixed deposits may provide fixed guaranteed returns. Mutual Funds investments are subject to market risk, read all scheme related documents carefully. Past performance is not an indicator of future returns.

Total investment ₹ 12 lakh
Profit ₹12 lakhs
Total corpus ₹1 lakh
Absolute return 52.69%

Trailing returns as on Feb 03, 2026

Period	This fund	Category average
1 Month	0.18%	0.2%
3 Months	1.04%	0.95%
6 Months	2.43%	2.33%
1 Year	6.82%	6.58%
2 Years	7.07%	6.92%
3 Years	7.11%	6.94%
4 Years	6.44%	6.32%
5 Years	5.89%	5.76%
7 Years	6.42%	5.93%
10 Years	6.67%	6.36%

Asset allocationas on Dec 31, 2025

Large Cap 0%

Mid Cap 0%

Small Cap 0%

Other Cap 0%

Top holdings

Bifurcation by Holding is not available for this fund

Top sectors

Bifurcation by Sector is not available for this fund

AAA 69.45619184%

SOV 12.764687%

AA 11.57%

Cash & Call Money 3.32%

Top Debt Holdings

National Bank For Agriculture & Rural Development 5.5%

GOI 4.4%

National Housing Bank 3.56%

Sikka Ports and Terminals Ltd. 3.37%

Allocation by Instruments

Debenture 40.09415102%

Non Convertible Debenture 23.15%

Bonds 10.94%

GOI Securities 7.199999999999998%

Other Holdings

Others 3.12%

Detailed portfolio analysis

Peer comparison

Fund name	1M	6M	1Y	3Y	5Y	10Y
HDFC Low Duration Fund	0.18%	2.43%	6.82%	7.11%	5.89%	6.67%
UTI Low Duration Fund	0.21%	2.67%	7.14%	7.33%	7.19%	6.1%
DSP Low Duration Fund	0.17%	2.37%	6.66%	7.01%	5.84%	6.64%
Sundaram Low Duration Fund	0.15%	2.26%	6.35%	6.69%	7.11%	5.84%
LIC MF Low Duration Fund	0.15%	2.31%	6.42%	6.71%	5.51%	6.01%
Bandhan Low Duration Fund	0.18%	2.41%	6.73%	7.01%	5.83%	6.67%

Fund name	Std. deviation	Beta	Sharpe	Sortino
HDFC Low Duration Fund	0.48	0.64	1.58	2.26
UTI Low Duration Fund	0.46	0.67	2.07	3.12
DSP Low Duration Fund	0.47	0.7	1.4	1.85
Sundaram Low Duration Fund	0.47	0.69	0.77	1.06
LIC MF Low Duration Fund	0.47	0.69	0.82	1.2
Bandhan Low Duration Fund	0.47	0.69	1.43	1.92

Fund name	ETM Rank	AUM	Fund age	Expense ratio
HDFC Low Duration Fund	N.A.	24,647 Cr	26 yrs 2 m	1.05%
UTI Low Duration Fund	N.A.	2,667 Cr	22 yrs 10 m	0.41%
DSP Low Duration Fund	N.A.	5,609 Cr	10 yrs 11 m	0.62%
Sundaram Low Duration Fund	N.A.	472 Cr	21 yrs 5 m	1.21%
LIC MF Low Duration Fund	N.A.	1,938 Cr	22 yrs 8 m	1.23%
Bandhan Low Duration Fund	N.A.	6,613 Cr	20 yrs	0.66%

View all Low Duration funds

Key risk & return ratios Compared to other funds in the category

Alpha	1.95 vs. 3.09 Underperformed at beating benchmark
Sharpe	1.58 vs. 2.56 Poor risk-adjusted returns
Beta	0.64 vs. 1.29 Less sensitive to market ups & downs
Standard deviation	0.48 vs. 0.39 More volatile performance

Compare HDFC Low Duration Fund in detail with

About this fund

About HDFC Low Duration Fund

HDFC Low Duration Fund is a Low Duration mutual fund scheme from Hdfc Mutual Fund. This fund has been in existence for 26 yrs 2 m, having been launched on 18/11/1999. HDFC Low Duration Fund has ₹24,647 Crores worth of assets under management (AUM) as on 31/12/2025 and is medium-sized fund of its category. The latest Net Asset Value (NAV) of HDFC Low Duration Fund as of 02/02/2026 is ₹59.65. The fund has an expense ratio of 1.05%, which is higher than what most other Low Duration funds charge.

HDFC Low Duration Fund returns of last 1-year are 6.85%. Since launch, it has delivered 7.05% average annual returns. The fund has doubled the money invested in it every 11 yrs.
HDFC Low Duration Fund scheme's ability to deliver returns consistently is in-line with most funds of its category. Its ability to control losses in a falling market is above average.
The fund's credit profile is high indicating it has lent to borrowers whose quality is great. Most funds in this category lend to better borrowers and hence the risk of default in this fund is higher than the category.
The fund's top holdings are in National Bank For Agriculture & Rural Development, GOI, National Housing Bank, Sikka Ports and Terminals Ltd., Indian Railway Finance Corporation Ltd..

...

Fund AUM	24,647 Cr as on Dec 31, 2025
Scheme document	View Scheme Document

Fund managers

Amar Kalkundrikar

Mr. Kalkundrikar has done B.Com, CA, CFA, and MBA from Columbia Business School. Prior to joining Nippon India Mutual Fund, he has worked with HDFC Asset Management Company Limited where he has handled multiple roles in Investment – Equity function such as Portfolio Management for PMS business, & performing Equity research in various sectors such as Consumer Staples, Consumer Discretionary, Retail, Construction Materials.

Praveen Jain

Mr. Jain has done CA and CFA Prior to joining HDFC Mutual Fund, he has worked with Larsen & Toubro Ltd and Tata Motors

Anupam Joshi

Mr. Joshi is a PGDM in Business Management. Prior to joining HDFC Mutual Fund he has worked with IDFC AMC, Principal Asset Management Company and ICAP India Pvt. Ltd.

Investment objective

The scheme seeks to generate income / capital appreciation through investment in debt securities and money market instruments.

HDFC Mutual Fund details

No. of schemes	78 view all schemes
Total AUM	9,43,197 Cr as on Dec 31, 2025
Address	"HDFC House", 2nd Floor, H. T. Parekh Marg, 165-166, Backbay Reclamation, Churchgate Mumbai, 400020
Email	shareholders.relations@hdfcfund.com
Phone	022 ? 66316333

More funds from HDFC Mutual Fund

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HDFC Income Plus Arbitrage Active FoF	N.A.	2,461 Cr	3.97%	12.04%
HDFC NIFTY G-Sec Jun 2036 Index Fund	N.A.	941 Cr	5.73%	N.A.
HDFC NIFTY G-Sec Apr 2029 Index Fund	N.A.	173 Cr	7.71%	N.A.
HDFC Nifty G-Sec July 2031 Index	N.A.	669 Cr	6.75%	7.98%
HDFC Nifty G-Sec Sep 2032 Index	N.A.	649 Cr	6.47%	7.92%
HDFC Floating Rate Debt Fund	N.A.	16,224 Cr	7.32%	7.8%

See all Debt funds from this AMC

Frequently asked questions

What is the current NAV of HDFC Low Duration Fund?

The current Net Asset Value (NAV) of the HDFC Low Duration Fund plan is approximately ₹59.6517 as of Feb 02, 2026.

What are the returns of this mutual fund scheme?

The HDFC Low Duration Fund is a 26 yrs 2 m old fund and has delivered average annual returns of 7.05% since inception.

HDFC Low Duration Fund Returns

1-Year	3-Year	5-Year	10-Year	Since Inception
6.82%	7.11%	5.89%	6.67%	7.05%

How much does this mutual fund charge as expense ratio?

The HDFC Low Duration Fund has an expense ratio of 1.05%, representing the annual cost of managing and operating the fund. This fee is deducted from the fund's AUM while declaring the daily NAV, reducing investor returns.

What is the AUM or fund size of this mutual fund?

The HDFC Low Duration Fund currently has assets under management (AUM) or fund size valued at approximately 24,647 Cr as on Dec 31, 2025.

To whom does HDFC Low Duration Fund lend to?

The top 3 debt holdings of HDFC Low Duration Fund are as follows

Holding Name	Percentage of Portfolio
National Bank For Agriculture & Rural Development	5.5%
GOI	4.4%
National Housing Bank	3.56%

What is the quality of borrowers this mutual fund scheme lends to?

The credit rating of the instruments in which the fund invests represents the quality of the borrower.

The HDFC Low Duration Fund allocation by credit quality is given below

Credit Quality	Percentage of Portfolio
AAA	69.45619184%
SOV	12.764687%
AA	11.57%

What is risk level of HDFC Low Duration Fund?

This is a Low Duration fund comes with Low to Moderate risk.

Is there any lock-in period in this mutual fund?

No, this fund does not have any lock-in period.

How can I redeem my investments in HDFC Low Duration Fund?

Redeeming your investments in the HDFC Low Duration Fund is simple. If you have invested via ET Money, just log in to the app, go to the holdings section, and submit the redemption request.

If you have invested from anywhere else, you can go to the fund house website and put a request through it.

ET Money rank

App exclusive

in Low Duration

#NA

Return Outperformance: This fund has generated highest return amongst Low Duration funds in the last 10 Years.
Exit Load: This fund has no exit load.
Return/Risk: The fund is performing poorly than its category.