Hdfc Income Fund Datagrid
Category Medium to Long Duration Fund
BMSMONEY Rank 4
Rating
Growth Option 31-07-2026
NAV ₹60.61(R) +0.02% ₹67.48(D) +0.03%
Returns 1Y 3Y 5Y 7Y 10Y
Lumpsum Regular 3.57% 6.56% 5.14% 5.39% 5.3%
Direct 4.2% 7.13% 6.09% 6.27% 6.11%
Benchmark
SIP (XIRR) Regular -10.07% 0.28% 4.05% 4.61% 4.52%
Direct -9.49% 0.86% 4.82% 5.47% 5.35%
Ratio Sharpe Ratio Sortino Ratio Sterling Ratio Jensen's Alpha Treynor Ratio
0.28 0.12 0.56 0.2% 0.01
Risk STD. Dev VaR 1Y95% Max DD Beta Semi Devi.
2.99% -3.55% -1.91% 0.98 2.18%
Fund AUM As on: 30/12/2025 910 Cr
Top Medium to Long Duration Fund
Fund Name Rank Rating
ICICI Prudential Bond Fund 1
Bandhan Medium to Long Duration Fund 2
LIC MF Medium to Long Duration Fund 3

NAV Date: 31-07-2026

Scheme Name NAV Rupee Change Percent Change
HDFC Income Fund - Quarterly IDCW Option 11.52
0.0000
0.0200%
HDFC Income Fund - Quarterly IDCW- Direct Plan 12.92
0.0000
0.0300%
HDFC Income Fund - Normal IDCW Option 19.11
0.0000
0.0200%
HDFC Income Fund - Normal IDCW - Direct Plan 21.34
0.0100
0.0200%
HDFC Income Fund - Growth Option 60.61
0.0100
0.0200%
HDFC Income Fund - Growth Option - Direct Plan 67.48
0.0200
0.0300%

Review Date: 31-07-2026

Beginning of Analysis

HDFC Income Fund is the 7th ranked fund in the Medium to Long Duration Fund category. The category has total 13 funds. The HDFC Income Fund has shown an average past performence in Medium to Long Duration Fund. The fund has a Jensen Alpha of 0.2% which is higher than the category average of -0.11%. Here the fund has shown very good performance in terms of risk adjusted returns. The fund has a Sharpe Ratio of 0.28 which is higher than the category average of 0.21.
The past performance of the fund may or may not be sustained in the future. The review is not investment advice nor is it a recommendation to buy or sell funds. The ranking is based on proprietary methodology developed by bmsmoney. The methodology is based on the past performance of the funds and does not guarantee future performance.
Medium to Long Duration Mutual Funds are ideal for long-term investors seeking higher returns by taking advantage of interest rate movements. These funds invest in debt instruments with a portfolio duration of 4 to 7 years, making them highly sensitive to interest rate changes. While they offer the potential for significant capital appreciation in a falling interest rate environment, they also carry higher risks, including interest rate risk and volatility. Investors should carefully assess their risk tolerance, investment horizon, and financial goals before investing in these funds. Additionally, choosing funds managed by experienced professionals can help navigate interest rate cycles effectively.

HDFC Income Fund Return Analysis

  • The fund has given a return of -0.03%, 3.09 and 3.85 in last one, three and six months respectively. In the same period the category average return was 0.07%, 2.64% and 3.49% respectively.
  • HDFC Income Fund has given a return of 4.2% in last one year. In the same period the Medium to Long Duration Fund category average return was 4.24%.
  • The fund has given a return of 7.13% in last three years and ranked 5.0th out of thirteen funds in the category. In the same period the Medium to Long Duration Fund category average return was 7.01%.
  • The fund has given a return of 6.09% in last five years and ranked 8th out of thirteen funds in the category. In the same period the Medium to Long Duration Fund category average return was 6.59%.
  • The fund has given a return of 6.11% in last ten years and ranked 11th out of thirteen funds in the category. In the same period the category average return was 6.68%.
  • The fund has given a SIP return of -9.49% in last one year whereas category average SIP return is -9.91%. The fund one year return rank in the category is 5th in 13 funds
  • The fund has SIP return of 0.86% in last three years and ranks 4th in 12 funds. LIC MF Medium to Long Duration Fund has given the highest SIP return (1.34%) in the category in last three years.
  • The fund has SIP return of 4.82% in last five years whereas category average SIP return is 4.82%.

HDFC Income Fund Risk Analysis

  • The fund has a standard deviation of 2.99 and semi deviation of 2.18. The category average standard deviation is 2.73 and semi deviation is 1.95.
  • The fund has a Value at Risk (VaR) of -3.55 and a maximum drawdown of -1.91. The category average VaR is -2.84 and the maximum drawdown is -1.69. The fund has a beta of 1.02 which shows that fund is more volatile than the benchmark.

Standard deviation measures the fund's return volatility and Semi deviation focuses on downside volatility. Value at Risk (VaR) is a measure of the risk of investments. Maximum Drawdown is the maximum loss from a peak to a trough of a portfolio. Beta measures the volatility of the fund compared to the benchmark. A beta of 1 indicates that the fund will move in line with the benchmark. A beta of more than 1 indicates that the fund will be more volatile than the benchmark and vice versa.


  • Very Good Performance in Medium to Long Duration Fund Category
  • Good Performance in Medium to Long Duration Fund Category
  • Poor Performance in Medium to Long Duration Fund Category
  • Very Poor Performance in Medium to Long Duration Fund Category

    • Investors beware: Mutual Fund investments are subject to market risks. Please read the scheme related documents carefully.

    Data Source: www.amfiindia.com

    SEBI Categorization


    KPIs* Fund Benchmark Cat. Avg Min | Max Rank (In Cat.) Performance
    1M Return % -0.08
    0.00
    		-0.57 | 0.33 11 | 14 Average
    3M Return % 2.93
    2.47
    		0.86 | 3.02 2 | 14 Very Good
    6M Return % 3.54
    3.19
    		2.36 | 4.08 3 | 14 Very Good
    1Y Return % 3.57
    3.58
    		2.44 | 4.64 7 | 14 Good
    3Y Return % 6.56
    6.26
    		5.34 | 7.13 3 | 13 Very Good
    5Y Return % 5.14
    5.82
    		4.43 | 9.37 9 | 13 Average
    7Y Return % 5.39
    5.95
    		4.62 | 9.82 9 | 13 Average
    10Y Return % 5.30
    5.89
    		4.00 | 6.99 10 | 13 Average
    15Y Return % 6.64
    7.11
    		6.38 | 7.78 10 | 12 Poor
    1Y SIP Return % -10.07
    -10.47
    		-12.08 | -9.17 6 | 14 Good
    3Y SIP Return % 0.28
    -0.04
    		-1.23 | 0.91 3 | 13 Very Good
    5Y SIP Return % 4.05
    4.08
    		2.98 | 4.90 6 | 13 Good
    7Y SIP Return % 4.61
    5.01
    		3.81 | 7.70 9 | 13 Average
    10Y SIP Return % 4.52
    4.93
    		3.57 | 6.63 10 | 13 Average
    15Y SIP Return % 5.07
    5.40
    		3.58 | 6.52 10 | 13 Average
    Standard Deviation 2.99
    2.73
    		2.28 | 4.20 12 | 13 Average
    Semi Deviation 2.18
    1.95
    		1.61 | 2.98 12 | 13 Average
    Max Drawdown % -1.91
    -1.69
    		-3.60 | -1.21 10 | 13 Average
    VaR 1 Y % -3.55
    -2.84
    		-4.00 | -1.64 12 | 13 Average
    Average Drawdown % 0.65
    0.71
    		0.52 | 1.45 7 | 13 Good
    Sharpe Ratio 0.28
    0.21
    		-0.15 | 0.58 4 | 13 Very Good
    Sterling Ratio 0.56
    0.55
    		0.48 | 0.65 5 | 13 Good
    Sortino Ratio 0.12
    0.10
    		-0.05 | 0.26 4 | 13 Very Good
    Jensen Alpha % 0.20
    -0.11
    		-1.09 | 0.84 4 | 13 Very Good
    Treynor Ratio 0.01
    0.01
    		0.00 | 0.02 5 | 13 Good
    Modigliani Square Measure % 0.70
    0.53
    		-0.37 | 1.46 4 | 13 Very Good
    Alpha % 0.18
    -0.25
    		-1.40 | 0.70 2 | 13 Very Good
    Return data last Updated On : July 31, 2026.
    Other parameters, fund ranking, non return related analysis are updated after every month end. Last Updated On : June 30, 2026
    KPIs: Key Performance Indicators

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    KPIs* Fund Benchmark Cat. Avg Min | Max Rank (In Cat.) Performance
    1M Return % -0.03 0.07 -0.48 | 0.37 12 | 14 Average
    3M Return % 3.09 2.64 1.12 | 3.26 2 | 14 Very Good
    6M Return % 3.85 3.49 2.72 | 4.47 4 | 14 Very Good
    1Y Return % 4.20 4.24 3.56 | 5.38 8 | 14 Good
    3Y Return % 7.13 7.01 6.54 | 7.56 5 | 13 Good
    5Y Return % 6.09 6.59 5.43 | 10.14 8 | 13 Good
    7Y Return % 6.27 6.73 5.33 | 10.56 9 | 13 Average
    10Y Return % 6.11 6.68 4.81 | 7.74 11 | 13 Average
    1Y SIP Return % -9.49 -9.91 -11.21 | -8.46 5 | 13 Good
    3Y SIP Return % 0.86 0.63 -0.28 | 1.34 4 | 12 Good
    5Y SIP Return % 4.82 4.82 4.19 | 5.79 7 | 12 Average
    7Y SIP Return % 5.47 5.77 4.95 | 8.53 7 | 12 Average
    10Y SIP Return % 5.35 5.66 4.26 | 7.38 8 | 12 Average
    Standard Deviation 2.99 2.73 2.28 | 4.20 12 | 13 Average
    Semi Deviation 2.18 1.95 1.61 | 2.98 12 | 13 Average
    Max Drawdown % -1.91 -1.69 -3.60 | -1.21 10 | 13 Average
    VaR 1 Y % -3.55 -2.84 -4.00 | -1.64 12 | 13 Average
    Average Drawdown % 0.65 0.71 0.52 | 1.45 7 | 13 Good
    Sharpe Ratio 0.28 0.21 -0.15 | 0.58 4 | 13 Very Good
    Sterling Ratio 0.56 0.55 0.48 | 0.65 5 | 13 Good
    Sortino Ratio 0.12 0.10 -0.05 | 0.26 4 | 13 Very Good
    Jensen Alpha % 0.20 -0.11 -1.09 | 0.84 4 | 13 Very Good
    Treynor Ratio 0.01 0.01 0.00 | 0.02 5 | 13 Good
    Modigliani Square Measure % 0.70 0.53 -0.37 | 1.46 4 | 13 Very Good
    Alpha % 0.18 -0.25 -1.40 | 0.70 2 | 13 Very Good
    Return data last Updated On : July 31, 2026.
    Other parameters, fund ranking, non return related analysis are updated after every month end. Last Updated On : June 30, 2026
    KPIs: Key Performance Indicators

    Disclaimer: Past performance may or may not be sustained in future and should not be used as a basis for comparison with other investments. Returns for periods above 1 year are annualised.


    Date Hdfc Income Fund NAV Regular Growth Hdfc Income Fund NAV Direct Growth
    31-07-2026 60.6054 67.4754
    30-07-2026 60.5911 67.4585
    29-07-2026 60.616 67.4851
    28-07-2026 60.688 67.5643
    27-07-2026 60.7096 67.5873
    24-07-2026 60.4938 67.344
    23-07-2026 60.4498 67.2939
    22-07-2026 60.5269 67.3787
    21-07-2026 60.573 67.429
    20-07-2026 60.5677 67.4221
    17-07-2026 60.6193 67.4764
    16-07-2026 60.6793 67.5421
    15-07-2026 60.6147 67.4691
    14-07-2026 60.547 67.3928
    13-07-2026 60.7325 67.598
    10-07-2026 60.7635 67.6292
    09-07-2026 60.661 67.514
    08-07-2026 60.6018 67.4471
    07-07-2026 60.8169 67.6853
    06-07-2026 60.8373 67.7069
    03-07-2026 60.7463 67.6024
    02-07-2026 60.7653 67.6224
    01-07-2026 60.6522 67.4955
    30-06-2026 60.653 67.4952

    Fund Launch Date: 11/Sep/2000
    Fund Category: Medium to Long Duration Fund
    Investment Objective: To generate income / capital appreciation through investments in debt and money market instruments. There is no assurance that the investment objective of the Scheme will be realized.
    Fund Description: An open ended medium term debt scheme investing in instruments such that the Macaulay Duration of the Portfolio is between 4 years and 7 years.
    Fund Benchmark: CRISIL Composite Bond Fund Index
    Source: Fund FactSheet

    Disclaimer: NO INVESTMENT ADVICE. The Content is for informational purposes only.