HDFC Money Market Fund - Direct Plan - 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 177 (Category Avg - 86.75) | Modified Duration 0.39 Years (Category Avg - 0.41)| Yield to Maturity 6.28% (Category Avg - 6.24%)

Portfolio Summary (as on 31st Oct,2025)

Security Type	% Weight	Category Average
GOI	6.67%	3.43%
CD	59.45%	57.91%
T-Bills	7.19%	9.20%
CP	26.54%	27.05%

Category - Money Market Fund

Security Type	% Weight	Category Average
Government Backed	13.86%	12.63%
Low Risk	85.99%	84.96%
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 - Money Market Fund

Debt holding in Portfolio (as on 31st Oct,2025)

Instrument	Type	Sector	Rating	Rating Agency	Value (Mn)	% of Total Holding	Quantity
Bond - Union Bank Of India	CD	Public sector bank	F1+	FITCH	12013.94	3.26%	25.00 k
Bond - Axis Bank Ltd.	CD	Private sector bank	P1+	CRISIL	9659.83	2.62%	20.00 k
Bond - Canara Bank	CD	Public sector bank	P1+	CRISIL	9365.83	2.54%	19.00 k
Bond - National Bank for Agriculture & Rural Development	CD	Financial institution	A1+	ICRA	8071.93	2.19%	16.50 k
Bond - Small Industries Development Bank Of India	CD	Financial institution	PR1+	CARE	8090.45	2.19%	16.50 k
Bond - Rural Electrification Corporation Limited	CP	Financial institution	PR1+	CARE	7468.07	2.02%	15.50 k
Bond - LIC Housing Finance Ltd.	CP	Housing finance company	P1+	CRISIL	7364.63	2.00%	15.00 k
Bond - Small Industries Development Bank Of India	CD	Financial institution	PR1+	CARE	7380.36	2.00%	15.00 k
Bond - Punjab National Bank	CD	Public sector bank	PR1+	CARE	6841.39	1.85%	14.00 k
Bond - IDFC First Bank Ltd.	CD	Private sector bank	P1+	CRISIL	4933.72	1.34%	10.00 k
Bond - Indusind Bank Ltd.	CD	Private sector bank	P1+	CRISIL	4928.53	1.34%	10.00 k
Bond - National Bank for Agriculture & Rural Development	CD	Financial institution	P1+	CRISIL	4934.73	1.34%	10.00 k
Bond - Bank Of Baroda	CD	Public sector bank	F1+	FITCH	4894.06	1.33%	10.00 k
Bond - IDBI Bank Ltd.	CD	Private sector bank	P1+	CRISIL	4902.55	1.33%	10.00 k
Bond - Kotak Mahindra Bank Ltd.	CD	Private sector bank	P1+	CRISIL	4911.10	1.33%	10.00 k
Bond - T-Bill	T-Bills	Other			4908.41	1.33%	5.00 Cr
Bond - LIC Housing Finance Ltd.	CP	Housing finance company	P1+	CRISIL	4887.10	1.32%	10.00 k
Bond - Govt of India	GOI	Other			4832.31	1.31%	4.80 Cr
Bond - Bank Of Baroda	CD	Public sector bank	PR1+	CARE	4844.06	1.31%	10.00 k
Bond - IDFC First Bank Ltd.	CD	Private sector bank	P1+	CRISIL	4805.68	1.30%	10.00 k
Bond - L&T Finance Ltd.	CP	Non banking financial company (nbfc)	P1+	CRISIL	4639.35	1.26%	9.50 k
Bond - Bank Of India	CD	Public sector bank	P1+	CRISIL	4430.26	1.20%	9.00 k
Bond - National Bank for Agriculture & Rural Development	CD	Financial institution	A1+	ICRA	4429.06	1.20%	9.00 k
Bond - Indusind Bank Ltd.	CD	Private sector bank	P1+	CRISIL	3982.15	1.08%	8.00 k
Bond - Small Industries Development Bank Of India	CD	Financial institution	PR1+	CARE	4001.78	1.08%	8.10 k
Bond - Axis Bank Ltd.	CD	Private sector bank	P1+	CRISIL	3936.98	1.07%	8.00 k
Bond - Union Bank Of India	CD	Public sector bank	F1+	FITCH	3945.98	1.07%	8.00 k
Bond - Small Industries Development Bank Of India	CD	Financial institution	PR1+	CARE	3867.04	1.05%	8.00 k
Bond - Indian Bank	CD	Public sector bank	P1+	CRISIL	3853.11	1.04%	8.00 k
Bond - Union Bank Of India	CD	Public sector bank	F1+	FITCH	3695.75	1.00%	7.50 k
Bond - T-Bill	T-Bills	Other			3432.35	0.93%	3.50 Cr
Bond - Canara Bank	CD	Public sector bank	P1+	CRISIL	3199.44	0.87%	6.50 k
Bond - IDFC First Bank Ltd.	CD	Private sector bank	P1+	CRISIL	2940.15	0.80%	6.00 k
Bond - IDFC First Bank Ltd.	CD	Private sector bank	P1+	CRISIL	2942.14	0.80%	6.00 k
Bond - Indian Bank	CD	Public sector bank	P1+	CRISIL	2936.24	0.80%	6.00 k
Bond - Kotak Mahindra Bank Ltd.	CD	Private sector bank	P1+	CRISIL	2957.22	0.80%	6.00 k
Bond - National Bank for Agriculture & Rural Development	CD	Financial institution	F1+	FITCH	2946.90	0.80%	6.00 k
Bond - T-Bill	T-Bills	Other			2954.28	0.80%	3.00 Cr
Bond - T-Bill	T-Bills	Other			2938.95	0.80%	3.00 Cr
Bond - T-Bill	T-Bills	Other			2950.79	0.80%	3.00 Cr
Bond - T-Bill	T-Bills	Other			2928.52	0.79%	3.00 Cr
Bond - Canara Bank	CD	Public sector bank	P1+	CRISIL	2890.00	0.78%	6.00 k
Bond - Small Industries Development Bank Of India	CD	Financial institution	PR1+	CARE	2826.13	0.77%	6.00 k
Bond - Muthoot Fincorp Ltd.	CP	Non banking financial company (nbfc)	P1+	CRISIL	2843.16	0.77%	6.00 k
Bond - Export Import Bank Of India	CP	Financial institution	P1+	CRISIL	2464.69	0.67%	5.00 k
Bond - Au Small Finance Bank Ltd.	CD	Other bank	F1+	FITCH	2459.81	0.67%	5.00 k
Bond - Indian Bank	CD	Public sector bank	P1+	CRISIL	2468.01	0.67%	5.00 k
Bond - National Bank for Agriculture & Rural Development	CD	Financial institution	A1+	ICRA	2460.18	0.67%	5.00 k
Bond - T-Bill	T-Bills	Other			2464.58	0.67%	2.50 Cr
Bond - Export Import Bank Of India	CD	Financial institution	P1+	CRISIL	2449.97	0.66%	5.00 k
Bond - Export Import Bank Of India	CD	Financial institution	P1+	CRISIL	2443.61	0.66%	5.00 k
Bond - Indian Bank	CD	Public sector bank	P1+	CRISIL	2425.36	0.66%	5.00 k
Bond - Small Industries Development Bank Of India	CP	Financial institution	PR1+	CARE	2449.97	0.66%	5.00 k
Bond - SMFG India Credit Ltd.	CP	Non banking financial company (nbfc)	PR1+	CARE	2432.19	0.66%	5.00 k
Bond - SMFG India Credit Ltd.	CP	Non banking financial company (nbfc)	PR1+	CARE	2405.03	0.65%	5.00 k
Bond - Export Import Bank Of India	CD	Financial institution	P1+	CRISIL	2414.42	0.65%	5.00 k
Bond - Credila Financial Services Ltd.	CP	Non banking financial company (nbfc)	P1+	CRISIL	2238.59	0.61%	4.50 k
Bond - Union Bank Of India	CD	Public sector bank	A1+	ICRA	2177.33	0.59%	4.50 k
Bond - Govt of India	GOI	Other			2011.90	0.55%	2.00 Cr
Bond - Govt of India	GOI	Other			2012.59	0.55%	2.00 Cr
Bond - Credila Financial Services Ltd.	CP	Non banking financial company (nbfc)	P1+	CRISIL	1967.98	0.53%	4.00 k
Bond - Hero Fincorp Ltd.	CP	Non banking financial company (nbfc)	P1+	CRISIL	1971.80	0.53%	4.00 k
Bond - Motilal Oswal Financial Services Ltd.	CP	Stockbroking & allied	P1+	CRISIL	1944.33	0.53%	4.00 k
Bond - Muthoot Fincorp Ltd.	CP	Non banking financial company (nbfc)	P1+	CRISIL	1967.61	0.53%	4.00 k
Bond - Tata Capital Ltd.	CP	Non banking financial company (nbfc)	P1+	CRISIL	1974.25	0.53%	4.00 k
Bond - Au Small Finance Bank Ltd.	CD	Other bank	P1+	CRISIL	1951.34	0.53%	4.00 k
Bond - Au Small Finance Bank Ltd.	CD	Other bank	PR1+	CARE	1950.67	0.53%	4.00 k
Bond - Bank Of India	CD	Public sector bank	P1+	CRISIL	1970.58	0.53%	4.00 k
Bond - Canara Bank	CD	Public sector bank	P1+	CRISIL	1957.36	0.53%	4.00 k
Bond - Punjab National Bank	CD	Public sector bank	P1+	CRISIL	1955.34	0.53%	4.00 k
Bond - Union Bank Of India	CD	Public sector bank	F1+	FITCH	1971.71	0.53%	4.00 k
Bond - T-Bill	T-Bills	Other			1967.48	0.53%	2.00 Cr
Bond - Bank Of Baroda	CD	Public sector bank	F1+	FITCH	1932.18	0.52%	4.00 k
Bond - Bank Of Baroda	CD	Public sector bank	F1+	FITCH	1933.78	0.52%	4.00 k
Bond - Cholamandalam Investment & Finance Co. Ltd.	CP	Non banking financial company (nbfc)	P1+	CRISIL	1927.04	0.52%	4.00 k
Bond - Julius Baer Capital (India) Pvt Ltd.	CP	Non banking financial company (nbfc)	P1+	CRISIL	1923.57	0.52%	4.00 k
Bond - L&T Finance Ltd.	CP	Non banking financial company (nbfc)	P1+	CRISIL	1921.81	0.52%	4.00 k
Bond - Motilal Oswal Finvest Ltd.	CP	Non banking financial company (nbfc)	P1+	CRISIL	1911.19	0.52%	4.00 k
Bond - SMFG India Credit Ltd.	CP	Non banking financial company (nbfc)	PR1+	CARE	1880.30	0.51%	4.00 k
Bond - Bank Of Baroda	CD	Public sector bank	F1+	FITCH	1717.11	0.47%	3.50 k
Bond - Bank Of Baroda	CD	Public sector bank	F1+	FITCH	1703.90	0.46%	3.50 k
Bond - Canara Bank	CD	Public sector bank	P1+	CRISIL	1467.78	0.40%	3.00 k
Bond - Canara Bank	CD	Public sector bank	P1+	CRISIL	1466.59	0.40%	3.00 k
Bond - IDBI Bank Ltd.	CD	Private sector bank	P1+	CRISIL	1477.68	0.40%	3.00 k
Bond - Kotak Mahindra Bank Ltd.	CD	Private sector bank	P1+	CRISIL	1471.17	0.40%	3.00 k
Bond - Barclays Investments & Loans (I) Ltd.	CP	Non banking financial company (nbfc)	P1+	CRISIL	1462.54	0.40%	3.00 k
Bond - Hero Fincorp Ltd.	CP	Non banking financial company (nbfc)	P1+	CRISIL	1473.79	0.40%	3.00 k
Bond - Infina Finance Pvt. Ltd.	CP	Non banking financial company (nbfc)	P1+	CRISIL	1466.39	0.40%	3.00 k
Bond - Julius Baer Capital (India) Pvt Ltd.	CP	Non banking financial company (nbfc)	P1+	CRISIL	1481.25	0.40%	3.00 k
Bond - Julius Baer Capital (India) Pvt Ltd.	CP	Non banking financial company (nbfc)	P1+	CRISIL	1492.58	0.40%	3.00 k
Bond - Standard Chartered Capital Ltd.	CP	Non banking financial company (nbfc)	P1+	CRISIL	1471.78	0.40%	3.00 k
Bond - Indian Bank	CD	Public sector bank	P1+	CRISIL	1453.77	0.39%	3.00 k
Bond - Kotak Mahindra Bank Ltd.	CD	Private sector bank	P1+	CRISIL	1424.95	0.39%	3.00 k
Bond - Small Industries Development Bank Of India	CD	Financial institution	PR1+	CARE	1453.76	0.39%	3.00 k
Bond - GIC Housing Finance Ltd.	CP	Housing finance company	P1+	CRISIL	1209.44	0.33%	2.50 k
Bond - Motilal Oswal Financial Services Ltd.	CP	Stockbroking & allied	P1+	CRISIL	1215.44	0.33%	2.50 k
Bond - Govt of India	GOI	Other			1108.01	0.30%	1.10 Cr
Bond - Govt of India	GOI	Other			1111.02	0.30%	1.10 Cr
Bond - Govt of India	GOI	Other			1006.92	0.27%	1.00 Cr
Bond - Govt of India	GOI	Other			998.99	0.27%	1.01 Cr
Bond - Bahadur Chand Investments Pvt. Ltd.	CP	Investment company	PR1+	CARE	986.28	0.27%	2.00 k
Bond - Bahadur Chand Investments Pvt. Ltd.	CP	Investment company	PR1+	CARE	993.87	0.27%	2.00 k
Bond - Bahadur Chand Investments Pvt. Ltd.	CP	Investment company	PR1+	CARE	999.06	0.27%	2.00 k
Bond - Birla Group Holdings Private Ltd.	CP	Investment company	P1+	CRISIL	981.84	0.27%	2.00 k
Bond - Hero Fincorp Ltd.	CP	Non banking financial company (nbfc)	P1+	CRISIL	993.94	0.27%	2.00 k
Bond - Hero Fincorp Ltd.	CP	Non banking financial company (nbfc)	P1+	CRISIL	981.79	0.27%	2.00 k
Bond - Hsbc Investdirect Financial Services India Ltd.	CP	Non banking financial company (nbfc)	P1+	CRISIL	978.36	0.27%	2.00 k
Bond - ICICI Securities Ltd.	CP	Stockbroking & allied	P1+	CRISIL	978.58	0.27%	2.00 k
Bond - ICICI Securities Ltd.	CP	Stockbroking & allied	P1+	CRISIL	985.10	0.27%	2.00 k
Bond - ICICI Securities Ltd.	CP	Stockbroking & allied	P1+	CRISIL	982.33	0.27%	2.00 k
Bond - IGH Holdings Private Ltd.	CP	Non banking financial company (nbfc)	P1+	CRISIL	992.98	0.27%	2.00 k
Bond - Infina Finance Pvt. Ltd.	CP	Non banking financial company (nbfc)	P1+	CRISIL	979.45	0.27%	2.00 k
Bond - Julius Baer Capital (India) Pvt Ltd.	CP	Non banking financial company (nbfc)	P1+	CRISIL	984.74	0.27%	2.00 k
Bond - Muthoot Finance Pvt. Ltd.	CP	Non banking financial company (nbfc)	P1+	CRISIL	982.23	0.27%	2.00 k
Bond - Muthoot Finance Pvt. Ltd.	CP	Non banking financial company (nbfc)	P1+	CRISIL	994.66	0.27%	2.00 k
Bond - Muthoot Finance Pvt. Ltd.	CP	Non banking financial company (nbfc)	P1+	CRISIL	984.84	0.27%	2.00 k
Bond - Standard Chartered Capital Ltd.	CP	Non banking financial company (nbfc)	P1+	CRISIL	992.99	0.27%	2.00 k
Bond - Standard Chartered Capital Ltd.	CP	Non banking financial company (nbfc)	P1+	CRISIL	983.64	0.27%	2.00 k
Bond - Standard Chartered Capital Ltd.	CP	Non banking financial company (nbfc)	P1+	CRISIL	978.09	0.27%	2.00 k
Bond - T-Bill	T-Bills	Other			984.76	0.27%	1.00 Cr
Bond - T-Bill	T-Bills	Other			993.07	0.27%	1.00 Cr
Bond - Indian Bank	CD	Public sector bank	P1+	CRISIL	988.96	0.27%	2.00 k
Bond - Indusind Bank Ltd.	CD	Private sector bank	P1+	CRISIL	994.29	0.27%	2.00 k
Bond - Punjab & Sind Bank	CD	Public sector bank	A1+	ICRA	986.23	0.27%	2.00 k
Bond - Punjab National Bank	CD	Public sector bank	P1+	CRISIL	988.94	0.27%	2.00 k
Bond - Small Industries Development Bank Of India	CD	Financial institution	PR1+	CARE	978.74	0.27%	2.00 k
Bond - Union Bank Of India	CD	Public sector bank	F1+	FITCH	988.59	0.27%	2.00 k
Bond - Birla Group Holdings Private Ltd.	CP	Investment company	P1+	CRISIL	976.17	0.26%	2.00 k
Bond - Birla Group Holdings Private Ltd.	CP	Investment company	P1+	CRISIL	974.18	0.26%	2.00 k
Bond - ICICI Securities Ltd.	CP	Stockbroking & allied	P1+	CRISIL	976.46	0.26%	2.00 k
Bond - Power Finance Corporation Ltd.	CP	Financial institution	P1+	CRISIL	972.51	0.26%	2.00 k
Bond - Govt of India	GOI	Other			800.64	0.22%	80.00 L
Bond - Birla Group Holdings Private Ltd.	CP	Investment company	P1+	CRISIL	737.70	0.20%	1.50 k
Bond - Deutsche Investments India Pvt. Ltd.	CP	Investment company	P1+	CRISIL	739.66	0.20%	1.50 k
Bond - Infina Finance Pvt. Ltd.	CP	Non banking financial company (nbfc)	P1+	CRISIL	738.33	0.20%	1.50 k
Bond - Kotak Mahindra Prime Ltd.	CP	Non banking financial company (nbfc)	P1+	CRISIL	721.40	0.20%	1.50 k
Bond - Bank Of Baroda	CD	Public sector bank	F1+	FITCH	736.02	0.20%	1.50 k
Bond - National Bank for Agriculture & Rural Development	CD	Financial institution	A1+	ICRA	735.52	0.20%	1.50 k
Bond - Small Industries Development Bank Of India	CD	Financial institution	PR1+	CARE	738.28	0.20%	1.50 k
Bond - Govt of India	GOI	Other			651.33	0.18%	65.00 L
Bond - Govt of India	GOI	Other			651.09	0.18%	65.00 L
Bond - Govt of India	GOI	Other			651.74	0.18%	65.00 L
Bond - Govt of India	GOI	Other			575.50	0.16%	56.99 L
Bond - Govt of India	GOI	Other			605.29	0.16%	60.90 L
Bond - Govt of India	GOI	Other			607.85	0.16%	61.18 L
Bond - Govt of India	GOI	Other			553.49	0.15%	55.00 L
Bond - Govt of India	GOI	Other			500.39	0.14%	50.00 L
Bond - Govt of India	GOI	Other			501.33	0.14%	50.00 L
Bond - Govt of India	GOI	Other			501.85	0.14%	50.00 L
Bond - Govt of India	GOI	Other			504.47	0.14%	50.00 L
Bond - Govt of India	GOI	Other			503.17	0.14%	50.36 L
Bond - Govt of India	GOI	Other			466.63	0.13%	46.17 L
Bond - Birla Group Holdings Private Ltd.	CP	Investment company	P1+	CRISIL	488.00	0.13%	1.00 k
Bond - Motilal Oswal Financial Services Ltd.	CP	Stockbroking & allied	P1+	CRISIL	478.01	0.13%	1.00 k
Bond - Muthoot Finance Pvt. Ltd.	CP	Non banking financial company (nbfc)	P1+	CRISIL	487.83	0.13%	1.00 k
Bond - Muthoot Finance Pvt. Ltd.	CP	Non banking financial company (nbfc)	P1+	CRISIL	487.38	0.13%	1.00 k
Bond - SMFG India Credit Ltd.	CP	Non banking financial company (nbfc)	PR1+	CARE	491.09	0.13%	1.00 k
Bond - Federal Bank Ltd.	CD	Private sector bank	P1+	CRISIL	493.94	0.13%	1.00 k
Bond - Union Bank Of India	CD	Public sector bank	F1+	FITCH	490.34	0.13%	1.00 k
Bond - Union Bank Of India	CD	Public sector bank	A1+	ICRA	493.81	0.13%	1.00 k
Bond - Govt of India	GOI	Other			454.48	0.12%	45.00 L
Bond - Govt of India	GOI	Other			454.04	0.12%	45.00 L
Bond - Govt of India	GOI	Other			454.12	0.12%	45.00 L
Bond - Govt of India	GOI	Other			354.06	0.10%	35.66 L
Bond - Govt of India	GOI	Other			250.54	0.07%	25.00 L
Bond - Govt of India	GOI	Other			251.26	0.07%	25.00 L
Bond - Govt of India	GOI	Other			252.24	0.07%	25.00 L
Bond - Bank Of Baroda	CD	Public sector bank	F1+	FITCH	246.46	0.07%	500.00
Bond - Canara Bank	CD	Public sector bank	P1+	CRISIL	246.15	0.07%	500.00
Bond - Punjab National Bank	CD	Public sector bank	P1+	CRISIL	246.91	0.07%	500.00
Bond - Govt of India	GOI	Other			201.01	0.05%	20.00 L
Bond - Govt of India	GOI	Other			192.79	0.05%	19.41 L
Bond - Govt of India	GOI	Other			150.19	0.04%	15.00 L
Bond - Govt of India	GOI	Other			151.09	0.04%	15.00 L
Bond - Govt of India	GOI	Other			100.08	0.03%	10.00 L
Bond - Govt of India	GOI	Other			50.08	0.01%	5.00 L
Bond - Govt of India	GOI	Other			50.25	0.01%	5.00 L