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HDFC Medium Term Debt Fund - NAV, Returns, Performance & Investment Guide 2025

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Comprehensive guide to HDFC Medium Term Debt Fund with latest NAV, AUM of ₹3,860 Cr, expense ratio, returns and investment details. Check fund performance, manager profile and how to invest.

Investment Objective and Approach

The primary objective of HDFC Medium Term Debt Fund is to generate regular income through debt and money market investments and government securities with maturities not more than 60 months. The fund focuses on investments in diverse credit ratings' debt/money market instruments to maximize income while maintaining a balance of liquidity, safety and yield through a diversified and high credit portfolio to minimize credit risk.

The fund follows a strategic investment approach by:

- Investing primarily in debt and money market securities with maturity up to 5 years

- Maintaining a diversified portfolio across different credit ratings

- Focusing on government securities for safety

- Having exposure to floating rate instruments and interest rate derivatives, where the duration is linked to interest rate reset periods, resulting in lower interest rate risk compared to equivalent maturity fixed rate instruments

The fund is classified as C-III - A Scheme with Relatively High Interest Rate Risk and Relatively High Credit Risk.

Fund Managers

Mr. Shobhit Mehrotra serves as the Senior Fund Manager - Fixed Income and Head of Credit. He brings over 18 years of experience in fixed income markets and credit ratings, holds an MBA from Clemson University, USA, and has previously worked with Templeton AMC and ICRA. Shobhit Mehrotra manages an AUM of ₹36,709 Crore across 22 HDFC schemes including Retirement Savings Fund, Medium Term Debt Fund, Credit Risk Debt Fund, and Floating Rate Debt Fund.

Mr. Dhruv Muchhal serves as Equity Analyst and Fund Manager for Overseas Investments, bringing additional expertise to the fund management team.

About the Fund House (AMC)

HDFC Mutual Fund started as a joint venture between Housing Development Finance Corporation Limited and Standard Life Investments Limited on December 10, 1999, with HDFC Trustee Company Limited serving as the trustee. HDFC Mutual Fund is recognized as the leading mutual fund investment company in India.

Key highlights of HDFC AMC:

- Manages 130 schemes across various categories

- Strong track record of over two decades in fund management

- Comprehensive range of investment solutions covering equity, debt, and hybrid categories

- Focus on delivering consistent returns across market cycles

Should I Invest in HDFC Medium Term Debt Fund?

Fund Suitability:

- The Medium Term Debt Fund is a low risk debt-based scheme suitable for medium to long-term investors seeking a relatively safer investment option, with consistent benchmark outperformance and one of the lowest expense ratios in its category

- Suitable for investors with moderate risk appetite looking for regular income

- Ideal for portfolio diversification with debt allocation

Key Performance Metrics (as of latest available data):

- AUM: ₹3,860.84 Crores as of April 25, 2025

- Expense Ratio: 1.27% for regular plan

- Direct Plan Expense Ratio: 0.66%

- Returns: 1-year: 9.63%, 3-year: 7.09%, 5-year: 6.80%

- Returns since inception: 7.68% per annum

Risk Considerations:

- Classified as relatively high interest rate risk and relatively high credit risk

- Suitable for investors comfortable with moderate debt market volatility

- Interest rate movements can impact fund performance

FAQs

What is today's NAV of HDFC Medium Term Debt Fund?

The latest NAV is ₹60.563 for Direct Plan as of April 28, 2025. NAVs are updated daily and vary between regular and direct plans.

What is the AUM of HDFC Medium Term Debt Fund?

The fund has an Asset Under Management (AUM) of ₹3,860.84 Crores as of April 25, 2025.

What is the expense ratio of HDFC Medium Term Debt Fund?

The expense ratio is 1.27% for the regular plan and 0.66% for the direct plan, inclusive of all applicable charges.

What are the returns of HDFC Medium Term Debt Fund since inception?

The fund has delivered returns of 7.68% per annum since inception, demonstrating consistent performance over its operational period.

What is the minimum SIP amount to invest in HDFC Medium Term Debt Fund?

The minimum SIP amount is ₹100, making it accessible for small investors to start systematic investments.

How do I invest in HDFC Medium Term Debt Fund?

You can invest through Allvest platform by selecting the fund, choosing between lump sum or SIP, completing your KYC, and making the investment online with minimal documentation.

How to start a SIP in HDFC Medium Term Debt Fund?

Log into your Allvest account, search for HDFC Medium Term Debt Fund, select SIP option, choose investment amount and date, complete the setup through automated debit instructions.

How do I automate an SIP in HDFC Medium Term Debt Fund?

Use the Auto-Invest feature which allows you to set up automatic investments at regular intervals, ensuring consistent contributions without manual intervention.

How can I withdraw/redeem my investment in HDFC Medium Term Debt Fund?

Access your Allvest portfolio, select the fund units you wish to redeem, submit the redemption request online. The redemption amount will be credited to your registered bank account within the specified timeframe.