HDFC Income Fund - Growth

Regular

Regular and Direct options of the funds are exactly same except commission to your mutual fund broker/distributor. As an investor you do not need to pay any additional fees to purchase any of these options. However both have different expense ratios. Regular funds have higher expense ratio and direct funds have lower expense ratio. This difference is because of commission paid to broker/distributor. Lower expense ratio leads to higher returns for investors.
Direct

Regular and Direct options of the funds are exactly same except commission to your mutual fund broker/distributor. As an investor you do not need to pay any additional fees to purchase any of these options. However both have different expense ratios. Regular funds have higher expense ratio and direct funds have lower expense ratio. This difference is because of commission paid to broker/distributor. Lower expense ratio leads to higher returns for investors.

No of Debt Holding 31 (Category Avg - 26.00) | Modified Duration 6.64 Years (Category Avg - 5.76)| Yield to Maturity 6.88% (Category Avg - 6.98%)

Portfolio Summary (as on 30th Sep,2025)

Security Type	% Weight	Category Average
GOI	75.03%	64.64%
CD	0.00%	0.04%
T-Bills	0.00%	0.06%
NCD & Bonds	17.15%	25.67%
PTC	0.00%	1.82%

Category - Medium to Long Duration Fund

Security Type	% Weight	Category Average
Government Backed	75.03%	64.70%
Low Risk	17.15%	27.53%
Moderate Risk	0.00%	0.00%
High Risk	0.00%	0.00%
Very High Risk	0.00%	0.00%
Others	0.00%	0.00%

Category - Medium to Long Duration Fund

Debt holding in Portfolio (as on 30th Sep,2025)

Instrument	Type	Sector	Rating	Rating Agency	Value (Mn)	% of Total Holding	Quantity
Bond - Govt of India	GOI	Other			1675.76	17.92%	1.63 Cr
Bond - Govt of India	GOI	Other			1279.99	13.69%	1.30 Cr
Bond - Govt of India	GOI	Other			997.34	10.66%	95.00 L
Bond - Govt of India	GOI	Other			670.28	7.17%	65.00 L
Bond - Govt of India	GOI	Other			403.96	4.32%	40.00 L
Bond - National Thermal Power Corporation Ltd.	NCD & Bonds	Power generation	AAA	CRISIL	261.41	2.80%	250.00
Bond - Govt of India	GOI	Other			255.32	2.73%	25.00 L
Bond - Govt of India	GOI	Other			254.65	2.72%	25.00 L
Bond - Bajaj Housing Finance Ltd.	NCD & Bonds	Housing finance company	AAA	CRISIL	251.40	2.69%	250.00
Bond - Govt of India	GOI	Other			246.39	2.63%	25.00 L
Bond - IndiGrid Infrastructure Trust	NCD & Bonds	Power - transmission	AAA	CRISIL	230.65	2.47%	2.30 L
Bond - National Bank for Agriculture & Rural Development	NCD & Bonds	Financial institution	AAA	CRISIL	201.92	2.16%	2.00 k
Bond - Govt of India	GOI	Other			199.00	2.13%	20.00 L
Bond - Govt of India	GOI	Other			177.91	1.90%	18.10 L
Bond - State Bank Of India	NCD & Bonds	Public sector bank	LAAA	ICRA	155.81	1.67%	1.50 k
Bond - LIC Housing Finance Ltd.	NCD & Bonds	Housing finance company	AAA	CRISIL	152.46	1.63%	150.00
Bond - Govt of India	GOI	Other			150.55	1.61%	15.00 L
Bond - National Thermal Power Corporation Ltd.	NCD & Bonds	Power generation	AAA	CRISIL	147.57	1.58%	1.50 k
Bond - Altius Telecom Infrastructure Trust	NCD & Bonds	Telecom - infrastructure	AAA	CRISIL	100.91	1.08%	1.00 k
Bond - Govt of India	GOI	Other			101.35	1.08%	10.00 L
Bond - Govt of India	GOI	Other			101.10	1.08%	10.00 L
Bond - Govt of India	GOI	Other			100.77	1.08%	10.00 L
Bond - National Thermal Power Corporation Ltd.	NCD & Bonds	Power generation	AAA	CRISIL	99.85	1.07%	1.00 k
Bond - Govt of India	GOI	Other			97.48	1.04%	10.00 L
Bond - Govt of India	GOI	Other			95.44	1.02%	10.00 L
Bond - Govt of India	GOI	Other			90.50	0.97%	8.79 L
Bond - Govt of India	GOI	Other			52.85	0.57%	5.00 L
Bond - Govt of India	GOI	Other			46.60	0.50%	5.00 L
Bond - Govt of India	GOI	Other			12.81	0.14%	1.29 L
Bond - Govt of India	GOI	Other			3.42	0.04%	31.60 k
Bond - Govt of India	GOI	Other			2.45	0.03%	25.30 k

Name	Type of Instrument	Weight (%)
TREPS	TREPS	4.62%
Net Receivables	Net Receivables	2.73%
Embassy Office Parks Reit	InvITs	0.47%

Forum

NITINPIMPALE
MF Investment Help
Follow

11 days ago

purchase unit will adjust difference in NAV 10.263 View more

Posted by : NITINPIMPALE
- Like
- Reply
  
  reply Cancel
- Share
  
  276
- Repost
  
  Repost this message
  
  purchase unit will adjust difference in NAV 10.263
  
  Repost Cancel
You will now receive notification when someone reply to this message.
krishna_ksvs
MF Investment Help
Follow

23 days ago

View more

Posted by : krishna_ksvs
- Like
- Reply
  
  reply Cancel
- Share
  
  276
- Repost
  
  Repost this message
  
  Repost Cancel
You will now receive notification when someone reply to this message.
The Fixed Income
Bonds
Follow

3 days ago

Invest in Stability with Long-Term Growth! 9.41% INDIA INFRASTRUCTURE FINANCE COMPANY LIMITED 2037 ✔️ Coupon: 9.41% ✔️ Rating: CARE AAA Stable ✔️ Tenor: 11y 9m (Maturity: 27/Jul/2037) Secured Bond | PSU Bond | High Return Bond | Listed Enjoy a secure, government-backed investment with steady returns over the long term. ???? Explore on The Fixed Income :https://www.thefixedincome.com/product/dUJHdFp3PT0=/941-india-infrastructure-finance-company-limited-2037?utm_source=Moneycontrol&utm_medium=Forum&utm_campaign=Product_list View more

Posted by : The Fixed Income
- Like
- Reply
  
  reply Cancel
- Share
  
  276
- Repost
  
  Repost this message
  
  Invest in Stability with Long-Term Growth! 9.41% INDIA INFRASTRUCTURE FINANCE COMPANY LIMITED 2037 ✔️ Coupon: 9.41% ✔️ Rating: CARE AAA Stable ✔️ Tenor: 11y 9m (Maturity: 27/Jul/2037) Secured Bond | PSU Bond | High Return Bond | Listed Enjoy a secure, government-backed investment with steady returns over the long term. ???? Explore on The Fixed Income :https://www.thefixedincome.com/product/dUJHdFp3PT0=/941-india-infrastructure-finance-company-limited-2037?utm_source=Moneycontrol&utm_medium=Forum&utm_campaign=Product_list
  
  Repost Cancel
You will now receive notification when someone reply to this message.
shravanashok
MF Investment Help
Follow

73 days ago

need your suggestion for sbi psu fund direct growth stay or switch View more

Posted by : shravanashok
- Like
- Reply
  
  reply Cancel
- Share
  
  276
- Repost
  
  Repost this message
  
  need your suggestion for sbi psu fund direct growth stay or switch
  
  Repost Cancel
You will now receive notification when someone reply to this message.
ravisistla
MF Investment Help
Follow

86 days ago

Dividend last declared by SBI Long Term Equity Fund - regular Plan -IDCW was in the year 2022. Is there any specific reason given by fund managers for non declaration of dividend. Please let me know. View more

Posted by : ravisistla
- Like
- Reply
  
  reply Cancel
- Share
  
  276
- Repost
  
  Repost this message
  
  Dividend last declared by SBI Long Term Equity Fund - regular Plan -IDCW was in the year 2022. Is there any specific reason given by fund managers for non declaration of dividend. Please let me know.
  
  Repost Cancel
You will now receive notification when someone reply to this message.
sunny85deol
MF Investment Help
Follow

124 days ago

Hello sir, I have been invested in these funds since 2017. Last SIP was in 2021. As their NAV have grown so I was thinking of switching to other funds with lower NAV. View more

Posted by : sunny85deol
- Like
- Reply
  
  reply Cancel
- Share
  
  276
- Repost
  
  Repost this message
  
  Hello sir, I have been invested in these funds since 2017. Last SIP was in 2021. As their NAV have grown so I was thinking of switching to other funds with lower NAV.
  
  Repost Cancel
You will now receive notification when someone reply to this message.

+ See More

Advisory Alert: It has come to our attention that certain individuals are representing themselves as affiliates of Moneycontrol and soliciting funds on the false promise of assured returns on their investments. We wish to reiterate that Moneycontrol does not solicit funds from investors and neither does it promise any assured returns. In case you are approached by anyone making such claims, please write to us at grievanceofficer@nw18.com or call on 02268882347