How to Invest in HDFC Income Fund Direct Growth?

You can easily invest in HDFC Income Fund Direct Growth in a hassle-free manner on Groww. The process is extremely simple, quick and completely paperless. Invest in a few minutes with the following steps: Log on to your Groww account Search for HDFC Income Fund Direct Growth from the search box In order to invest, you will have to complete all the KYC formalities which are completely online and paperless and take a few minutes to complete Once you are done with that, you can start investing in HDFC Income Fund Direct Growth as SIP or lumpsum as per your investment objective and risk tolerance

What kind of returns does HDFC Income Fund Direct Growth provide?

The HDFC Income Fund Direct Growth has been there from 01 Jan 2013 and the average annual returns provided by this fund is 5.46% since its inception.

How much expense ratio is charged by HDFC Income Fund Direct Growth?

The term Expense Ratio used for HDFC Income Fund Direct Growth or any other mutual fund is the annual charges one needs to pay to the Mutual Fund company for managing your investments in that fund. The Expense Ratio of HDFC Income Fund Direct Growth is 0.80% as of 18 Jan 2026...

What is the AUM of HDFC Income Fund Direct Growth?

The AUM, short for Assets Under Management of HDFC Income Fund Direct Growth is ₹881.45Cr as of 18 Jan 2026.

How to Redeem HDFC Income Fund Direct Growth?

If you want to sell your HDFC Income Fund Direct Growth holdings, go to your holding on the app or web and simply click on it. You will get two options - redeem & invest more; click on redeem and enter your desired amount or if you wish to redeem the entire holding amount then select the 'redeem all' checkbox.

Can I invest in SIP and Lump Sum of HDFC Income Fund Direct Growth?

You can select either SIP or Lumpsum investment of HDFC Income Fund Direct Growth based on your investment objective and risk tolerance.

What is the NAV of HDFC Income Fund Direct Growth?

The NAV of HDFC Income Fund Direct Growth is ₹65.05 as of 16 Jan 2026.

What is the PE and PB ratio of HDFC Income Fund Direct Growth?

The PE ratio ratio of HDFC Income Fund Direct Growth is determined by dividing the market price by its earnings per share and the PB ratio of the same is evaluated by dividing the stock price per share by its book value per share (BVPS).

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HDFC Income Fund Direct Growth

Name: HDFC Income Fund Direct Growth
Brand: HDFC Mutual Fund

Debt

Medium to Long Duration

Moderate Risk

+7.30%

3Y annualised

-0.14% 1D

All

NAV: 16 Jan '26

₹65.05

Min. SIP amount

₹100

Fund size

₹881.45 Cr

Expense ratio

0.80%

Return calculator

Monthly SIP

One time

Monthly investment

₹5,000

Over the past	Total investment	Would've become	Returns
1 year	₹60,000	₹62,650	+4.42%
3 years	₹1,80,000	₹2,03,944	+13.30%
5 years	₹3,00,000	₹3,57,212	+19.07%
10 years	₹6,00,000	₹8,45,960	+40.99%

Holdings (33)

Name	Sector	Instruments	Assets
GOI	Sovereign	GOI Sec	16.01%
GOI	Sovereign	GOI Sec	10.46%
GOI	Sovereign	GOI Sec	7.70%
GOI	Sovereign	GOI Sec	5.23%
GOI	Sovereign	GOI Sec	4.53%
GOI	Sovereign	GOI Sec	4.01%
NTPC Ltd.	Energy	Debenture	2.95%
GOI	Sovereign	GOI Sec	2.89%
Siddhivinayak Securitisation Trust	Others	Sec. Debt	2.85%
Bajaj Housing Finance Ltd.	Financial	NCD	2.84%
Gujarat State	Construction	SDL	2.81%
GOI	Sovereign	GOI Sec	2.77%
IndiGrid Infrastructure Trust	Capital Goods	Debenture	2.61%
National Bank For Agriculture & Rural Development	Financial	Bonds	2.29%
GOI	Sovereign	GOI Sec	2.24%
GOI	Sovereign	GOI Sec	2.01%
State Bank of India	Financial	NCD	1.76%
LIC Housing Finance Ltd.	Financial	Bonds/NCD	1.73%
GOI	Sovereign	GOI Sec	1.70%
NTPC Ltd.	Energy	NCD	1.67%
Altius Telecom Infrastructure Trust	Construction	NCD	1.15%
GOI	Sovereign	GOI Sec	1.14%
NTPC Ltd.	Energy	NCD	1.13%
GOI	Sovereign	GOI Sec	1.13%
GOI	Sovereign	CGL	1.09%
GOI	Sovereign	GOI Sec	1.07%
GOI	Sovereign	GOI Sec	1.03%
GOI	Sovereign	GOI Sec	0.60%
GOI	Sovereign	CGL	0.52%
Embassy Office Parks REIT	Construction	REITs	0.52%
Gujarat State	Construction	SDL	0.15%
GOI	Sovereign	GOI Sec	0.04%
GOI	Sovereign	GOI Sec	0.03%

See All

Minimum investments

Min. for 1st investment

₹100

Min. for 2nd investment

₹100

Min. for SIP

₹100

Returns and rankings

Annualised returns

Absolute returns

Name	3Y	5Y	10Y	All
Fund returns	+7.3%	+5.6%	+6.8%	+7.1%
Category average (Debt Medium to Long Duration)	+6.8%	+5.2%	+6.4%	--
Rank (Debt Medium to Long Duration)	7	9	10	--

Exit load, stamp duty and tax

Exit load

Nil

Stamp duty on investment: 0.005% (from July 1st, 2020)

from July 1st 2020

Tax implication

Returns are taxed as per your Income Tax slab.

Check past data

Compare similar funds

	Name	1Y	3Y	Fund Size(Cr)
	LIC MF Medium to Long Duration Fund Direct Growth	+6.69%	+7.93%	199.40
	ICICI Prudential Bond Fund Direct Plan Growth	+6.45%	+7.83%	2,922.30
	Kotak Bond Fund Direct Growth	+5.76%	+7.63%	2,064.46
	HDFC Income Fund Direct Growth	+5.46%	+7.30%	881.45
	Canara Robeco Income Direct Growth	+5.02%	+6.77%	119.96
Compare

Fund management

SM
Shobhit Mehrotra
Jan 2013 - Present
View details

Education

He is an MBA from Clemson University, USA.

Experience

Prior to joining HDFC AMC he has worked with Franklin Templeton AMC, and ICRA.

Also manages these schemes

HDFC Credit Risk Debt Fund Direct Growth

HDFC Income Fund Direct Growth

HDFC Medium Term Debt Fund Direct Growth

HDFC Retirement Savings Fund Hybrid Debt Plan Direct Growth

HDFC Retirement Savings Fund Hybrid Equity Plan Direct Growth

HDFC Retirement Savings Fund Equity Plan Direct Growth

HDFC Hybrid Debt Fund Direct Growth

HDFC Floating Rate Debt Fund Direct Plan Growth

HDFC Long Duration Debt Fund Direct Growth

DM
Dhruv Muchhal
Jun 2023 - Present
View details

Education

Mr. Dhruv has done B.Com, CA and CFA

Experience

Prior to joining HDFC MF,he has worked with Motilal Oswal Financial Services Ltd., Goldman Sachs, CRISIL Global Research & Analytics and Deloitte Haskins & Sells

Also manages these schemes

HDFC Non Cyclical Consumer Fund Direct Growth

HDFC Medium Term Debt Fund Direct Growth

HDFC Dynamic Debt Fund Direct Plan Growth

HDFC Ultra Short Term Fund Direct Growth

HDFC Income Fund Direct Growth

HDFC Hybrid Equity Fund Direct Plan Growth

HDFC ELSS Tax Saver Fund Direct Plan Growth

HDFC Children's Fund Direct Plan

HDFC Diversified Equity All Cap Active FoF Direct Growth

HDFC Innovation Fund Direct Growth

HDFC Business Cycle Fund Direct Growth

HDFC MNC Fund Direct Growth

HDFC Transportation and Logistics Fund Direct Growth

HDFC Liquid Direct Plan Growth

HDFC Retirement Savings Fund Equity Plan Direct Growth

HDFC Banking & Financial Services Fund Direct Growth

HDFC Money Market Fund Direct Growth

HDFC Equity Savings Direct Plan Growth

HDFC Focused Fund Direct Growth

HDFC Technology Fund Direct Growth

HDFC Banking and PSU Debt Fund Direct Growth

HDFC Value Fund Direct Plan Growth

HDFC Low Duration Fund Direct Growth

HDFC Hybrid Debt Fund Direct Growth

HDFC Overnight Fund Direct Growth

HDFC Pharma And Healthcare Fund Direct Growth

HDFC Credit Risk Debt Fund Direct Growth

HDFC Arbitrage Direct Plan Growth

HDFC Small Cap Fund Direct Growth

HDFC Multi Cap Fund Direct Growth

HDFC Long Duration Debt Fund Direct Growth

HDFC Mid Cap Fund Direct Growth

HDFC Corporate Bond Fund Direct Plan Growth

HDFC Retirement Savings Fund Hybrid Debt Plan Direct Growth

HDFC Retirement Savings Fund Hybrid Equity Plan Direct Growth

HDFC Housing Opportunities Fund Direct Growth

HDFC Infrastructure Fund Direct Growth

HDFC Large and Mid Cap Fund Direct Growth

HDFC Balanced Advantage Fund Direct Growth

HDFC Flexi Cap Direct Plan Growth

HDFC Arbitrage Fund Wholesale Direct Growth

HDFC Large Cap Fund Direct Growth

HDFC Floating Rate Debt Fund Direct Plan Growth

HDFC Short Term Debt Fund Direct Plan Growth

HDFC Manufacturing Fund Direct Growth

HDFC Defence Fund Direct Growth

HDFC Multi Asset Allocation Fund Direct Growth

About HDFC Income Fund Direct Growth

HDFC Income Fund Direct Growth is a Debt Mutual Fund Scheme launched by HDFC Mutual Fund. This scheme was made available to investors on 10 Dec 1999. Shobhit Mehrotra is the Current Fund Manager of HDFC Income Fund Direct Growth fund. The fund currently has an Asset Under Management(AUM) of ₹9,32,192 Cr and the Latest NAV as of 16 Jan 2026 is ₹65.05. The HDFC Income Fund Direct Growth is rated Moderate risk. Minimum SIP Investment is set to ₹100. Minimum Lumpsum Investment is ₹100. ;