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HDFC Low Duration Fund - NAV, Returns, SIP & Performance Analysis 2025

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HDFC Low Duration Fund - Latest NAV, AUM of ₹24,641 Cr (July 2025). Check investment objective, fund managers, returns & SIP options for this debt mutual fund.

Investment Objective and Approach

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. This product is suitable for investors who are seeking~ income over short term · to generate income/capital appreciation through investment in debt securities and money market instruments

The fund follows a conservative investment approach by maintaining a portfolio of high-rated debt and money market instruments. Since the portfolio has a Macaulay duration of around 6 to12 months, these funds try to achieve a balance of safety, liquidity and yield. The Scheme would endeavour to generate returns commensurate with low levels of interest rate risk.

Key investment strategy:

- Maintains Macaulay duration between 6-12 months

- Focuses on high-rated debt securities and money market instruments

- Targets capital appreciation and income generation from debt securities

- Emphasizes low interest rate risk exposure

Fund Managers

The fund is managed by a team of experienced professionals:

Anupam Joshi - Lead Fund Manager

Anupam Joshi is currently the Portfolio Manager and Fund Manager of Fixed Income at HDFC Mutual Fund since 2015. He holds a PGDM in Business Management and brings extensive experience from previous roles at IDFC AMC, Principal Asset Management Company, and ICAP India Pvt. Ltd.

Praveen Jain - Co-Fund Manager

Mr. Jain is a qualified CA and CFA with significant experience in fixed income portfolio management.

Dhruv Muchhal - Co-Fund Manager

Mr. Dhruv has done B.Com, CA and CFA and has worked with prestigious firms including Motilal Oswal Financial Services Ltd., Goldman Sachs, CRISIL Global Research & Analytics, and Deloitte Haskins & Sells before joining HDFC Mutual Fund.

About the Fund House (AMC)

HDFC Mutual Fund is one of India's leading asset management companies. HDFC Mutual Fund started as a joint venture between Housing Development Finance Corporation Limited and Standard Life Investments Limited on December 10, 1999. It has Housing Development Finance Corporation Limited and Standard Life Investments Limited as the sponsors.

Key highlights of HDFC AMC:

- HDFC Asset Management Company Ltd., or HDFC Mutual Fund, is currently the largest mutual fund and actively managed equity mutual fund in India. It is one of the most profitable asset management companies (AMC) in the country.

- The company manages assets worth Rs. 6.1L Cr crores as of Mar 31, 2024.

- The company serviced more than 75000 empanelled distribution partners through 210 branches spread across more than 200 cities in India.

- HDFC Asset Management Company Ltd. received approval to act as an AMC from SEBI back on 30 June 2000 under the registration number MF/044/00/6.

The fund house operates with strong corporate governance and has established itself as a trusted name in the Indian mutual fund industry.

Should I Invest in HDFC Low Duration Fund?

This fund may be suitable for investors with specific investment needs:

Ideal for:

- Consider investing in the fund only if you are planning to invest for a short duration of 3-12 months.

- Investors seeking low-risk returns from debt securities

- Those looking for better returns than traditional savings accounts with moderate risk

- Investors wanting to park surplus funds for short-term periods

Key considerations:

- The fund has a moderate risk level. Investors in the fund are exposed to high interest rates and moderate credit risk.

- The fund generates low-risk returns from debt securities. Hence, if you have a moderate risk appetite, the HDFC Low Duration Fund can be a good option for you and help you earn a steady income from your investment

Financial metrics (as of July 2025):

- AUM: ₹24,641.27 Cr (31/07/2025)

- Expense ratio: 0.45 as of 20th May 2025

- Returns since inception: 7.09%p.a.

- Minimum SIP: ₹100

The fund has demonstrated consistent performance and maintains a diversified portfolio of quality debt instruments, making it a reliable choice for conservative investors.

FAQs

What is today's NAV of HDFC Low Duration Fund?

The NAV changes daily. You can check the latest NAV on Allvest or the official HDFC Mutual Fund website for real-time updates.

What is the AUM of HDFC Low Duration Fund?

The AUM is ₹24,641.27 Cr as of 31st July 2025.

What is the expense ratio of HDFC Low Duration Fund?

The expense ratio is 0.45% as of 20th May 2025.

What are the returns of HDFC Low Duration Fund since inception?

The fund has delivered returns of 7.09% p.a. since inception.

What is the minimum SIP amount to invest in HDFC Low Duration Fund?

The minimum SIP amount is ₹100.

How do I invest in HDFC Low Duration Fund?

You can invest through Allvest's platform by completing your KYC, selecting the fund, choosing SIP or lump sum, and making payment via UPI or net banking.

How to start a SIP in HDFC Low Duration Fund?

Log into Allvest, search for HDFC Low Duration Fund, select "Start SIP", choose your amount and frequency, and set up automated payments through bank mandate.

How do I automate an SIP in HDFC Low Duration Fund?

After starting your SIP on Allvest, set up an auto-debit facility with your bank to ensure seamless monthly investments without manual intervention.

How can I withdraw/redeem my investment in HDFC Low Duration Fund?

Access your Allvest account, go to the investments section, select the fund, enter the withdrawal amount, and confirm. Funds typically reach your account within 3 working days.