HDFC Mutual Fund...7 Equity Schemes Diversified Thematic HDFC Infrastructure Fund ELSS HDFC TaxSaver...

HDFC Mutual FundPRODUCT SUITE

October 2017

OCTOBER 2018

ABOUT US HDFC Asset Management Company Ltd. (AMC) was incorporated in 1999. Housing Development

Finance Corporation Limited (HDFC) and Standard Life Investments Limited (SLI), the investment arm

of The Standard Life Group, UK are the promoters of the company.

Experienced fund management and research team with experience of managing assets across market

cycles

Strong emphasis on managing and controlling portfolio risk; avoids chasing the latest “fads and trends”

Product offerings across asset and risk categories enabling investors to invest in line with their

investment objectives and risk taking capacity

One of India`s premier fund houses with Quarterly Average AUM of over Rs. 3,06,360* Crore

Source AMFI

* As of 30th Sept 2018. 2

ABOUT US

FUND CLASSES ON OFFER

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SCHEME CATEGORIES ON OFFER

Equity Schemes

Hybrid Schemes

Debt Schemes

Solution Oriented Schemes

Other Schemes ( Index Funds, ETFs & FoFs)

Fixed Maturity Plans

INVESTMENT PHILOSOPHY (EQUITIES)

The key belief is that over time, stock prices reflect their intrinsic values

Our investment philosophy and process is primarily based on long term fundamentals, margin of safety andeffective diversification

To create wealth over time, the key is capital protection and therefore we emphasize on the concept of marginof safety

We believe that it is possible to achieve higher portfolio returns through active management consistently overthe long term

A strong focus on research.

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Determination of interest rate trends, emphasis on high credit quality, controlling volatility on account ofinterest rate swings and maintaining necessary portfolio liquidity are the key determinants of our fixedincome strategy. Portfolios are built to achieve optimal risk-adjusted total returns

Extension or retraction of portfolio maturity / duration is effected only after a careful evaluation of yieldcurves, spreads between quality issuers and market sectors

Our emphasis is on instruments having high credit quality where the financial strength of the issuer (orguarantor) is well-documented by major rating services. In addition, in-house credit analysis is relied upon toarrive at relative positions within major rating categories

This approach translates into the following:

An investment style that is developed through an appraisal of the respective schemes’ investmentobjectives, expectations and positioning, risk tolerance and unique needs

Emphasis on portfolio quality in the implementation of our strategy, while using fundamental andtechnical analysis to seek opportunities for profitable investments. The focus is on detailed and betterunderstanding of the business that we invest in

Primary goal is the development and implementation of respective scheme portfolios such that optimalrisk-adjusted returns are achieved while maintaining good quality portfolio and liquidity

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INVESTMENT PHILOSOPHY (DEBT)

EQUITY SCHEMESAN OVERVIEW

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Equity Schemes

Diversified ThematicHDFC

Infrastructure Fund

ELSSHDFC TaxSaver

Market Cap Biased

Non Market Cap Biased

Large CapHDFC Top 100 Fund

Mid CapHDFC Mid Cap Opportunities Fund

Large & Mid CapHDFC Growth Opportunities Fund

Small CapHDFC Small Cap Fund

Multi CapHDFC Equity Fund

ValueHDFC Capital Builder Value Fund

FocusedHDFC Focused 30 Fund

OPEN ENDED EQUITY SCHEMES

A Fund with over 23 years track record ofexistence

A portfolio that invests in companies spanningentire market capitalization

Preference for strong companies - Strongcompanies not only survive, but emerge strongerin challenging times, reducing permanent losses

Effective diversification of portfolio – Theportfolio has always been diversified across keysectors and variables across the economy toreduce risk

A long-term approach to investing and a lowportfolio turnover

Long term oriented, disciplined and consistentapproach to investments

A strong dividend track record for the last decade(8-13% dividend yield)

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$ Dedicated Fund Manager for Overseas Investments : Rakesh Vyas. Scheme Inception Date January 01. 1995

For details on dividend distribution, refer dividend history available on website, www.hdfcfund.com. Dividend declaration is subject to availability of

distributable surplus. There is no assurance or guarantee to Unit holders as to rate/quantum of dividend distribution or that the dividends will be paid regularly.

For further details on investment strategy, asset allocation and scheme facts refer Scheme Information Document/ Key Information Memorandum

HDFC EQUITY FUND

Key Facts

Type of Scheme

An open ended equity scheme investing across large cap, mid cap & small cap stocks.

Category of Scheme

Multi Cap

Investment Objective

To generate capital appreciation / income from a portfolio, predominantly invested in equity & equity related instruments. There is no assurance that the investment objective of the Scheme will be realized.

Fund Manager$ Prashant Jain

Exit Load 1% for redemptions within 1 year . No exit load after 1 year

Benchmark NIFTY 500 Index (TRI)

http://www.hdfcfund.com/

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HDFC TOP 100 FUND (ERSTWHILE HDFC TOP 200 FUND)

Key Facts

Type of Scheme

An open ended equity scheme predominantly investing in large cap stocks

Category of Scheme

Large-Cap Fund


To provide long-term capital appreciation/income by investing predominantly in Large-Cap companies. There is no assurance that the investment objective of the Scheme will be realized.




A diversified “Large Cap“ fund, the Investmentuniverse of which will be as defined by SEBIfrom time to time.

Current Investment universe: The universe of“Large Cap” shall consist of 1st to 100thcompany in terms of full market capitalization

A minimum of 80% of the funds shall beinvested in large cap stocks.

The fund with over 22 years track record ofexistence

$ Dedicated Fund Manager for Overseas Investments : Rakesh Vyas .

Scheme Inception Date October 11, 1996


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HDFC MID CAP OPPORTUNITIES FUND

Key Facts

Type of SchemeAn open ended equity scheme predominantly investing in mid cap stocks

Category of Scheme

Mid Cap Fund


To provide long-term capitalappreciation/income by investing predominantly in Mid-Cap companies. There is no assurance that the investment objective of the Scheme will be realized.

Fund Manager$ Chirag Setalvad


Benchmark NIFTY Midcap 100 Index (TRI)

A diversified “Mid Cap“ fund, that investspredominantly in mid-cap stocks (65-100%), andthe balance in other than mid cap stocks anddebt securities and money market instruments.

The Fund targets well managed midcapcompanies that are growing well and availableat reasonable valuations

The fund identifies companies with soundfinancial strength and sustainable businessmodels with a focus on quality metrics likeROCE & ROE.

One of the largest funds in the mid-cap categoryand in existence for more than 11 years*

$ Dedicated Fund Manager for Overseas Investments : Rakesh Vyas

*In terms of Month end AUM as on August 31, 2018. Source – MFI . Scheme Inception Date : Jun 25, 2007


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HDFC SMALL CAP FUND

Key Facts

Type of Scheme

An open ended equity scheme predominantly investing in small cap stocks

Category of Scheme

Small Cap Fund


To provide long-term capital appreciation /income by investing predominantly in Small-Cap companies. There is no assurance that the investment objective of the Scheme will be realized.

Fund Manager$

Chirag Setalvad


Benchmark NIFTY Small Cap 100 Index (TRI)

A diversified “Small Cap“ fund, that investspredominantly in Small-cap stocks (65-100%),and the balance in other than small cap stocksand debt securities and money marketinstruments.

Large investment universe for stock selection

Focus on well managed small cap companieswith businesses operating in a nicheenvironment

Identify businesses at a relatively early stage intheir life-cycle with focus on quality metrics likeROCE & ROE

Identifying companies with reasonable growthprospects and sound financial strength andsustainable business.

Seeking undervalued businesses

The fund with over 10 years track record ofexistence

$ Dedicated Fund Manager for Overseas Investments : Rakesh Vyas .

Scheme Inception Date – April 03, 2008


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HDFC Growth Opportunities Fund (Erstwhile HDFC Large Cap Fund)

Key Facts

Type of Scheme

An open ended equity scheme investing in both large cap and mid cap stocks

Category of Scheme

Large & Mid Cap Fund


To generate long term capital appreciation/income from a portfolio, predominantly invested in equity and equity related instruments. There is no assurance that the investment objective of the Scheme will be realized.

Fund Manager$ Vinay R. Kulkarni


Benchmark NIFTY Large - Midcap 250 Index (TRI)

A diversified portfolio of equity and equityrelated securities of predominantly large cap andmidcap companies

Minimum exposure of 35% into large caps and35% into mid caps to ensure market capdiversification

Focus on companies spanning entire marketcapitalization which:

a) are likely to achieve above average growth;

b) enjoy distinct competitive advantages;

c) have superior financial strength;

d) are trading at relatively attractive valuations;and/or

e) have value unlocking potential.

$ Dedicated Fund Manager for Overseas Investments : Rakesh Vyas. Scheme Inception Date – February 18, 1994


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HDFC Focused 30 Fund (ERSTWHILE HDFC CORE & SATELLITE FUND)

Key Facts

Type of Scheme

An open ended equity scheme investing in maximum 30 stocks in large-cap, mid-cap and small-cap category (i.e. Multi-Cap)

Category of Scheme

Focused Fund


To generate long term capital appreciation/income by investing in equity & equity related instruments of up to 30 companies. There is no assurance that the investment objective of the Scheme will be realized.

Fund Manager$

Vinay R. Kulkarni



Focused portfolio of 30 companies

Focus on well managed companies acrossdifferent market cap segments - i.e. large, mid-cap and small cap.

Identifying companies with reasonable growthprospects.

Identify companies with sound financial strengthand sustainable business.

The Scheme aims to maintain a reasonably diversifiedportfolio at all times comprising stocks across varioussectors of the economy to reduce sector specific risks

$ Dedicated Fund Manager for Overseas Investments : Rakesh Vyas. Scheme Inception Date – September 17, 2004

For further details on investment strategy, asset allocation and scheme fScheme Inception acts refer Scheme Information Document/ Key Information

Memorandum

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HDFC CAPITAL BUILDER VALUE FUND (Erstwhile HDFC Capital Builder Fund)

Key Facts

Type of Scheme

An open ended equity scheme following a value investment strategy

Category of Scheme

Value Fund


To achieve capital appreciation/income in the long term by primarily investing in undervalued stocks. There is no assurance that the investment objective of the Scheme will be realized.

Fund Manager$ Miten Lathia



A Fund with over 20 years track record of existence

Invests in strong companies which are reasonablyvalued

Value bias: The Scheme will generally maintain aminimum of 50% of the equity portfolio in stockswhere the trailing P/E (Price/Earnings) or trailing P/B(Price /Book Value) Ratio is less than Median P/E orP/B of stocks in the NSE 500 Index

No Market cap or sector bias: Being a multi-cap fundthe fund attempts to have good representationacross market capitalizations based on opportunityand risk-reward without any sectoral bias

4 guiding principles for portfolio creation:

1. Focus on buying value stocks

2. Bottom-up stock picking within sector

3. Sectoral diversification

4. Ensuring consistency of risk adjusted returns

Effective diversification across a wide area ofsectors to manage risk



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HDFC TAXSAVER

Key Facts

Type of Scheme

An Open-ended Equity Linked Savings Scheme with a statutory lock in of 3 years and tax benefit

Category of SchemeEquity Linked Savings Scheme


To generate capital appreciation / income from a portfolio, comprising predominantly of equity & equity related instruments. There is no assurance that the investment objective of the Scheme will be realized.

Fund Manager$ Vinay R. Kulkarni

Exit Load NIl


Investment Rationale

Well diversified equity fund

Fund ideally positioned to take advantage of impending

growth phase in the Indian economy

The fund endeavors to give investors a superior post

tax return as compared to traditional tax saving

instruments since inception

Fund Suitability

Considering to invest for tax planning and avail benefit

of tax deduction u/s 80C of the Income – Tax Act, 1961

Looking for an alternative to traditional tax saving

instruments

Willing to invest in a diversified equity fund with

minimum lock-in period of three years

$ Dedicated Fund Manager for Overseas Investments : Rakesh Vyas. Scheme Inception Date – March 31, 1996.

For further details on investment strategy, asset allocation and scheme facts refer Scheme Information Document/ Key Information Memorandum.

The information given herein is as per prevailing tax laws. Investors should be aware that fiscal rules/tax laws may change and there can be no guarantee that the

current tax position may continue indefinitely. In view of individual nature of tax consequences, please consult your professional tax advisor.

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HDFC Infrastructure Fund

Key Facts

Type of SchemeAn open-ended equity scheme following infrastructure theme

Category of Scheme Thematic Fund


To seek long-term capital appreciation/income by investing predominantly in equity and equity related securities of companies engaged in or expected to benefit from the growth and development of infrastructure. There is no assurance that the investment objective of the Scheme will be realized.

Fund Manager$ Srinivas Rao Ravuri

Exit Load NIL


Investment Rationale

HDCF Infrastructure Fund is ideally positioned tobenefit from

Infrastructure thrust in India –

Power

Road & Railways

Clear government focus

Land & Mining laws tweaked, Labourlaws changes likely

Localisation of “Defence” procurement

With attractive valuations and prospects ofeconomic recovery, risk reward may be favorablefor the scheme over medium to long term.

$ Dedicated Fund Manager for Overseas Investments : Rakesh Vyas . Scheme Inception Date – March 10, 2008

HDFC AMC/MF is not guaranteeing or promising any returns.


HYBRID SCHEMESAN OVERVIEW

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Ret

urn

s

Risk

BALANCED FUNDSAN INTRODUCTION

Broadly, hybrid funds target returns greater than

debt schemes with lower volatility than equity

schemes

Hybrid funds provide investors the growth of equity

with the stability of debt

A hybrid fund is a portfolio generally comprising

debt instruments, convertible securities, preference

and equity shares

Assets are generally held in predefined proportion of

debt / money market securities and equities

In view of the individual circumstances and risk profile, each investor is advised to consult his / her professional advisor before making a decision to invest.

Returns may or may not be proportionate to the risk. 18

Arbitrage Fund HDFC Arbitrage Fund

Conservative Hybrid Fund HDFC Hybrid Debt Fund

Equity Savings Fund HDFC Equity Savings Fund

Multi- Asset Allocation HDFC Multi Asset Fund

Aggressive Hybrid Fund HDFC Hybrid Equity Fund

Balanced Advantage Fund HDFC Balanced Advantage Fund

Aims to generate income through arbitrageopportunities arising out of pricing mismatch ina security between different markets or as aresult of special situations.

Completely hedged positions, neutralizesmarket risk (volatility) and targets absolutereturns irrespective of market conditions.

Enhance portfolio returns using different tradingstrategies within derivatives segment

Balance of safety, returns and liquidity

19$ Dedicated Fund Manager for Overseas Investments : Rakesh Vyas . Scheme Inception Date – October 23, 2007


HDFC Arbitrage Fund

Key Facts

Type of Scheme

An open ended scheme investing in arbitrage opportunities

Category of Scheme

Arbitrage Fund


To generate income through arbitrage opportunities and debt & money market instruments. There is no assurance that the investment objective of the Scheme will be realized.

Fund Manager$

Krishan Kumar Daga

Exit Load 0.25 for redemptions within 1 month . No exit load after 1 month

Benchmark NIFTY 50 Arbitrage Index

Hybrid strategy with upto 25% exposure toequities

Targets returns higher than debt schemes withvolatility lower than equity schemes

Ideal for conservative and risk averse investorslooking for controlled equity exposure

Investment philosophy for fixed income : Safety,Liquidity and Returns are emphasized in thatorder

Investment philosophy for Equity exposure is tomaintain an effectively diversified portfolio withfocus on:

Sound quality companies

Companies / businesses with superiorgrowth prospects that are available at areasonable price

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$ Dedicated Fund Manager for Overseas Investments : Rakesh Vyas. Scheme Inception Date – December 26, 2003


HDFC Hybrid Debt Fund (Erstwhile HDFC MF Monthly Income Plan - Long Term Plan after merger of HDFC

MF Monthly Income Plan - Short Term Plan therein)

Key Facts

Type of SchemeAn open-ended hybrid scheme investing predominantly in debt instruments

Category of Scheme Conservative Hybrid Fund


To generate income/capital appreciation by investing primarily in debt securities, money market instruments and moderate exposure to equities. There is no assurance that the investment objective of the Scheme will be realized.

Fund Manager$ Shobhit Mehrotra & Prashant Jain

Exit Load

• In respect of each purchase / switch-in of Units, 15% of the units (“the limit”) may be redeemed without any exit load from the date of allotment.

• Any redemption in excess of the limit shall be subject to the following exit load: - Exit load of 1.00% is payable if Units are redeemed / switched-out within 1 year from the date of allotment of units. No Exit Load after 1 Year.

BenchmarkNIFTY 50 Hybrid Composite Debt 15:85 Index

HDFC Equity Savings Fund seeks to provide an optimalmix of equity, debt and arbitrage opportunities.

Why Invest in HDFC Equity Savings Fund?

Long term growth – Controlled equity allocation totake advantage of the long term potential ofequities. (15-40%)

Regular Income – Debt securities (10-35%) andarbitrage securities (25-75%) reduce volatility andaid regular income.

Efficient Taxation# – Better tax efficiency than debtfunds

Low Fund Volatility – Fixed income exposure andhedged exposure (arbitrage) reduces funds volatilityinherent to directional equity exposure

Diversified Asset Allocation – Regular balancingbetween asset classes based on market conditionsand outlook.

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$ Dedicated Fund Manager for Overseas Investments : Rakesh Vyas . Scheme Inception Date : September 17, 2004


In view of the individual circumstances and risk profile, each investor is advised to consult his / her professional advisor before making a decision to invest. # provided the scheme meets the

criteria as an equity oriented scheme as per prevalent Income tax laws. HDFC Mutual Fund/AMC is not guaranteeing return on investments made in the scheme. The information given herein is

as per prevailing tax laws. Investors should be aware that fiscal rules/tax laws may change and there can be no guarantee that the current tax position may continue indefinitely.

HDFC Equity Savings Fund

Key Facts

Type of Scheme

An open ended scheme investing in equity, arbitrage and debt

Category of Scheme

Equity Savings Fund


To provide capital appreciation by investing in Equity & equity related instruments, Arbitrage opportunities, and Debt & money market instruments. There is no assurance that the investment objective of the scheme will be realized.

Fund Manager$

Vinay R. Kulkarni & Krishan Kumar Daga (Equity Assets) & Anil Bamboli (Debt Assets)

Exit Load

• In respect of each purchase / switch-in of Units, 15% of the units (“the limit”) may be redeemed

without any exit load from the date of allotment.


Benchmark40% NIFTY 50 Arbitrage Index,30% Crisil Short Term Bond Fund Index and 30% NIFTY 50 TR Index

A diversified portfolio of equity & equity relatedinstruments, debt & money market instrumentsand Gold with minimum exposure of 10% ineach of the above asset classes

As per the current investment strategy thescheme invests in the range of 65% – 80% of itscorpus in equity. And the exposure to debt &Gold and Gold related instruments rangesbetween 10% -25%*

Ideal for investors looking for a well diversifiedportfolio across asset classes to:

Benefit from the growth of equities and

Provide the stability of debt markets

Hedge against market uncertainties andinflation via Gold exposure

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$ Dedicated Fund Manager for Overseas Investments : Rakesh Vyas. Scheme Inception Date : August 17, 2005


*The current investment strategy may change based on the market outlook.

HDFC Multi Asset Fund (Erstwhile HDFC Multiple Yield Fund - Plan 2005)

Key Facts

Type of Scheme

An open ended scheme investing in Equity and Equity related instruments, Debt & Money Market Instruments and Gold

Category of Scheme Multi Asset Allocation


The objective of the Scheme is to generate long term capital appreciation/income by investing in a diversified portfolio of equity & equity related instruments, debt & money market instruments and Gold. There is no assurance that the investment objective of the Scheme will be realized.

Fund Manager$ Anil Bamboli (Debt Assets)Chirag Setalvad (Equity Assets)Krishan Kumar Daga (Gold Assets)

Exit Load 1% for redemptions with 12 months . No exit load after 12 months

Benchmark90% NIFTY 50 Hybrid Composite Debt 65:35 Index + 10% Domestic Price of Gold

Targets returns greater than debt schemes withlower volatility than equity schemes

Aims at equity exposure ranging between 65%and 80% and the rest in debt, REITs, INVITs andNon Convertible Preference Shares

Retains flexibility to invest across marketcapitalisation in equity and across durationbuckets in debt

Ideal for investors looking for a well diversifiedportfolio across asset classes to:

Benefit from the growth of equities and

Provide the stability of debt markets

Fund with over 18 Year track record of existence

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$ Dedicated Fund Manager for Overseas Investments : Rakesh Vyas . Scheme Inception Date : September 11, 2000

Effective close of business hours of June 1, 2018, HDFC Balanced Fund merged with HDFC Premier Multi Cap Fund (HDFC Hybrid Equity Fund after changes in

fundamental attributes). For further details on investment strategy, asset allocation and scheme facts refer Scheme Information Document/ Key Information

Memorandum.

HDFC Hybrid Equity Fund (Erstwhile HDFC Balanced Fund and HDFC Premier Multi-Cap Fund)

Key Facts

Type of SchemeAn open ended hybrid scheme investing predominantly in equity and equity related instruments.

Category of Scheme Aggressive Hybrid Fund


The investment objective of the Scheme is to generate capital appreciation / income from a portfolio, predominantly of equity & equity related instruments. The Scheme will also invest in debt and money market instruments. There is no assurance that the investment objective of the Scheme will be realized.


Exit Load



Benchmark NIFTY 50 Hybrid Composite Debt 65:35 Index

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HDFC Balanced Advantage Fund (Erstwhile HDFC Prudence Fund and HDFC Growth Fund)

Key Facts

Type of Scheme An open ended Balanced Advantage Fund

Category of Scheme Balanced Advantage Fund


To provide long term capital appreciation / income from a dynamic mix of equity and debt investments. There is no assurance that the investment objective of the Scheme will be realized.


Exit Load

• In respect of each purchase / switch-in of Units, upto 15% of the units (“the limit”) may be redeemed without any exit load from the date of allotment.


BenchmarkNIFTY 50 Hybrid Composite Debt 65:35 Index

Spreading the investment into two broad divisions –equities and debt (0-100% in either of the asset class)as per fund managers view over medium to long term

The fund endeavors to give twin advantage, thegrowth potential of equity as well as strongfoundation of debt

Aims at long term capital appreciation through equityexposure ranging between 65 – 75%#

The debt-equity mix at any point of time will be afunction of various factors such as interest rates,equity valuation, medium to long-term outlook of theasset classes, risk management and others

Largest* Equity Oriented Hybrid Fund in India with aAUM of ~ INR 39,215 crores as on 31st August, 2018.

The Fund has paid dividends in each of last 19years$$

$ Dedicated Fund Manager for Overseas Investments : Rakesh Vyas. Scheme Inception Date – February 01, 1994*Source: MFI. # As per current investment strategy which is subject to change based on prevailing market and economic conditions. $$ Effective close of business hours of June 1, 2018, HDFC Prudence Fund merged with HDFC Growth Fund (HDFC Balanced Advantage Fund after changes in fundamental attributes). As the portfolio characteristics and the broad investment strategy of HDFC Balanced Advantage Fund is similar to that of erstwhile HDFC Prudence Fund, the track record i.e. since inception date, dividend hsitory and past performance of erstwhile HDFC Prudence Fund has been considered, in line with SEBI circular on Performance disclosure post consolidation/ merger of scheme dated April 12, 2018. For details on dividend distribution, refer dividend history available

on website, www.hdfcfund.com. Dividend declaration is subject to availability of distributable surplus. There is no assurance or guarantee to Unit holders as to rate/quantum of dividend distribution

or that the dividends will be paid regularly. For further details on investment strategy, asset allocation and scheme facts refer Scheme Information Document/ Key Information Memorandum.

http://www.hdfcfund.com/

DEBT FUNDSAN OVERVIEW

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Debt Schemes

Duration Based

HDFC Overnight Fund

OPEN ENDED DEBT SCHEMES

HDFC Money Market Fund

HDFC Low Duration Fund

HDFC Short Term Debt Fund

HDFC Medium Term Debt Fund

HDFC Income Fund

Theme Based

HDFC Gilt Fund

HDFC Banking & PSU Debt Fund

HDFC Corporate Bond Fund

HDFC Floating Rate Debt Fund

HDFC Credit Risk Fund

HDFC Dynamic Debt Fund

HDFC Liquid Fund

HDFC Ultra Short Term Fund

DURATION BASED DEBT SCHEMESAN OVERVIEW

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Ideal for parking surplus money pendingdeployment upto 3 months.

The scheme invests upto 100% of its assets indebt and money market instruments withovernight maturity.

Investments under the Scheme would be madepredominantly in Collateralised Borrowing &Lending Obligations (CBLO), overnight reverserepos and fixed income securities/instrumentswith overnight maturity.

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Scheme Inception Date : February 06, 2002


HDFC Overnight Fund (Erstwhile HDFC Cash Management Fund - Call Plan)

Key Facts

Type of SchemeAn open ended debt scheme investing in overnight securities

Category of Scheme

Overnight Fund


To generate returns by investing in debt and money market instruments with overnight maturity. There is no assurance that the investment objective of the Scheme will be realized.

Fund Manager Anil Bamboli

Exit Load NIL

Benchmark CRISIL CBLO Index

Ideal for parking surplus money pendingdeployment or for meeting contingencies.

The scheme is ideal for those with aninvestment horizon of up to 3 months.

The Scheme invests in debt and money marketinstruments with residual maturity notexceeding 91 days, subject to regulatorychanges from time to time.

Aims to generate stable income

High liquidity

Low credit risk

Suitable for investment even for a single day

No lock-in, no entry / exit load

29$ Dedicated Fund Manager for Overseas Investments : Rakesh Vyas. Scheme Inception Date – October 17, 2000


HDFC Liquid Fund

Key Facts

Type of SchemeAn Open-ended Liquid Scheme

Category of Scheme

Liquid Fund


To generate income through a portfolio comprising money market and debt instruments. There is no assurance that the investment objective of the Scheme will be realized.

Fund Manager$ Anupam Joshi

Exit Load NIL

Benchmark CRISIL Liquid Fund Index

30$ Dedicated Fund Manager for Overseas Investments : Rakesh Vyas. Scheme Inception Date – September 25, 2018



Focuses on investing in debt securities andmoney market instruments such that theMacaulay Duration of the portfolio is between 3and 6 months.

A well-diversified portfolio of debt (includingsecuritised debt) and money market instruments

Aims to maintain high degree of liquidity withlow levels of interest rate risk.

The scheme is ideal for those with an investmenthorizon of 2-6 months.

Key Facts

Type of Scheme

An open ended ultra-short term debt scheme investing in instruments such that the Macaulay Duration of the portfolio is between 3 months and 6 months.

Category of Scheme

Ultra Short Duration Fund


To generate income / capital appreciation through investment in debt securities and money market instruments. There is no assurance that the investment objective of the Scheme will be realized.

Fund Manager$ Anil Bamboli

Exit Load NIL

Benchmark CRISIL Ultra Short Term Debt Index

Invests into money market instruments havingmaturity of upto 1 year

Money market instruments includes commercialpapers, commercial bills, treasury bills,Government securities having an unexpiredmaturity upto one year, call or notice money,certificate of deposit, usance bills and any otherlike instruments as specified by the ReserveBank of India from time to time

Suitable for investments with a horizon of 3 to 6months

Low levels of interest rate risks

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$ Dedicated Fund Manager for Overseas Investments : Rakesh Vyas. Scheme Inception date – November 18, 1999


HDFC Money Market Fund (Erstwhile HDFC Cash Management Fund - Savings Plan)

Key Facts

Type of SchemeAn open ended debt scheme investing in money market instruments

Category of Scheme

Money Market Fund


To generate income / capital appreciation by investing in money market instruments. There is no assurance that the investment objective of the Scheme will be realized.


Exit Load NIL


Focuses on investing in debt securities andmoney market instruments such that theMacaulay Duration of the portfolio is between 6and 12 months.

A well-diversified portfolio of debt (includingsecuritised debt) and money market instruments

Aims to generate returns commensurate withlow levels of interest rate risk.

The scheme is ideal for those with an investmenthorizon of 3-6 months.

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$ Dedicated Fund Manager for Overseas Investments : Rakesh Vyas. Scheme Inception Date – November 18, 1999



HDFC Low Duration Fund (Erstwhile HDFC Cash Management Fund - Treasury Advantage Plan)

Key Facts

Type of Scheme

An open ended low duration debt scheme investing in instruments such that the Macaulay Duration of the portfolio is between 6 months and 12 months

Category of Scheme

Low Duration Fund


To generate income / capital appreciation through investment in debt securities and money market instruments. There is no assurance that the investment objective of the Scheme will be realized.


Exit Load NIL


Focuses on generating regular income byinvesting in debt & money market instrumentswhile

The scheme aims to maintain a MacaulayDuration 1 to 3 years.

The focus is on returns through interest accrualsby building a relatively higher quality creditportfolio with a shorter maturity profile.

The scheme is ideal for an investment horizon of6-12 months.

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$ Dedicated Fund Manager for Overseas Investments : Rakesh Vyas. Scheme Inception Date : June 25, 2010


HDFC Short Term Debt Fund (Erstwhile HDFC Short Term Opportunities Fund)

Key Facts

Type of Scheme

An open ended short term debt scheme investing in instruments such that the Macaulay Duration of the portfolio is between 1 year and 3 years.

Category of Scheme

Short Duration Fund


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.


Exit Load NIL

Benchmark CRISIL Short Term Bond Fund Index

Invests in debt, money market and relatedinstruments of various maturities

Attempts to maintain a Macaulay Duration ofthe portfolio between 3 to 4 years under normalcircumstances.

The Fund follows a duration managementstrategy by keeping a close watch on variousdomestic and global macro-economic variables.

The fund is ideal for those with an investmenthorizon of 6-12 months.

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HDFC Medium Term Debt Fund (Erstwhile HDFC High Interest Fund - Short Term Plan)

Key Facts

Type of Scheme

An open ended medium term debt scheme investing in instruments such that the Macaulay Duration of the portfolio is between 3 years and 4 years

Category of Scheme

Medium Duration Fund


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 Manager$ Shobhit Mehrotra

Exit Load NIL


Focuses on generating returns over a medium tolong term by investing in debt securities andmoney market instruments.

The fund attempts to maintain a portfolioMacaulay Duration between 4 to 7 years undernormal circumstances.

The Fund focuses on optimizing returns whilemaintaining a balance of safety, yield andliquidity.

The scheme is ideal for those with aninvestment horizon of 12-18 months.

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$ Dedicated Fund Manager for Overseas Investments : Scheme Inception Date – September 11, 2000


HDFC Income Fund (Erstwhile HDFC High Interest Fund - Short Term Plan)

Key Facts

Type of Scheme

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

Category of Scheme

Medium to Long Duration Fund


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.


Exit Load 0.25% upto 1 month . No exit load after 1 month

Benchmark CRISIL Composite Bond Fund Index

THEME BASED DEBT SCHEMESAN OVERVIEW

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Fund invests in sovereign securities issued bythe Central and State Governments in Indiaacross maturities, on the basis of interest rateoutlook.

The fund focuses on offering credit risk freereturns over a medium to long term.

Global & Local macroeconomic variables such asgrowth, inflation, currency & liquidity areevaluated to arrive at an interest rate outlook &position the portfolio accordingly.

A well managed portfolio of sovereign securitieswith a track record of existence of over 17 years.


37

$ Dedicated Fund Manager for Overseas Investments : Rakesh Vyas. Scheme Inception Date – July 25, 2001


HDFC Gilt Fund (Erstwhile HDFC Gilt Fund - Long Term Plan)

Key Facts

Type of SchemeAn open ended debt scheme investing in government securities across maturities

Category of Scheme

Gilt Fund


To generate credit risk-free returns through investments in sovereign securities issued by the Central Government and/or State Government. There is no assurance that the investment objective of the Scheme will be realized.


Exit Load NIL

Benchmark CRISIL Dynamic Gilt Index

HDFC Banking & PSU Fund focuses ongenerating regular income by investingpredominantly (a minimum of 80%) in debtsecurities issued by Public Sector Undertakings(PSUs), Public Financial Institutions (PFIs),banking companies, and municipal bonds.

The defined universe of securities ensuresrelatively high credit quality of the portfolio.

Benefits from interest accruals.


38

$ Dedicated Fund Manager for Overseas Investments : Rakesh Vyas. Scheme Inception Date : March 26, 2014


HDFC Banking and PSU Debt Fund

Key Facts

Type of Scheme

An open ended debt scheme predominantly investing in debt instruments of Banks, Public Sector Undertakings, Public Financial Institutions and Municipal Bonds

Category of Scheme Banking and PSU Fund


To generate income / capital appreciation through investments in debt and money market instruments consisting predominantly of securities issued by entities such as Scheduled Commercial Banks (SCBs), Public Sector undertakings (PSUs), Public Financial Institutions (PFIs), Municipal Corporations and such other bodies. There is no assurance that the investment objective of the Scheme will be realized.


Exit Load NIL


Fund focuses on generating generate income byinvesting predominantly (minimum 80%) incorporate bonds rated AA+ and above and

Developing a well-diversified portfolio of debt(including securitised debt) and money marketinstruments, with a short to medium term view.

The scheme focuses on maximising incomewhile maintaining an optimal balance of yield,safety, & liquidity.


39

$ Dedicated Fund Manager for Overseas Investments : Rakesh Vyas. Scheme Inception Date : June 29, 2010


HDFC Corporate Bond Fund (Erstwhile HDFC Medium Term Opportunities Fund after merger of HDFC

Floating Rate Income Fund - Long Term Plan and HDFC Gilt Fund - Short Term Plan therein)

Key Facts

Type of SchemeAn open ended debt scheme predominantly investing in AA+ and above rated corporate bonds.

Category of Scheme Corporate Bond Fund


To generate income / capital appreciation through investments predominantly in AA+ and above rated corporate bond. There is no assurance that the investment objective of the Scheme will be realized.


Exit Load NIL


Invests predominantly in short term floating ratedebt securities, fixed rate debt instrumentsswapped for floating rate returns, & moneymarket instruments.

Currently the scheme is positioned at theshorter end of the yield curve.

The ideal investment horizon in this fund is 3-6months.

40

$ Dedicated Fund Manager for Overseas Investments : Rakesh Vyas. Scheme Inception Date – January 16, 2003


HDFC Floating Rate Debt Fund (Erstwhile HDFC Floating Rate Income Fund - Short Term Plan

Key Facts

Type of Scheme

An open ended debt scheme predominantly investing in floating rate instruments (including fixed rate instruments converted to floating rate exposures using swaps / derivatives)

Category of Scheme Floater Fund


To generate income / capital appreciation through investment in a portfolio comprising substantially of floating rate debt, fixed rate debt instruments swapped for floating rate returns and money market instruments. There is no assurance that the investment objective of the Scheme will be realized.


Exit Load NIL


Focuses on returns and regular income byinvesting predominantly in AA and below ratedcorporate debt

Invest a minimum of 65% into a diversifiedportfolio of debt securities, with as rating of AAand below ( excluding AA+ rated bonds)

While credit risk of such instruments is higher,the disciplined strategy for credit research givesan additional edge to the overall debt portfolio.

Lower rated securities have higher interestaccruals

The scheme is ideal for an investment horizon ofover 18 months.

41$ Dedicated Fund Manager for Overseas Investments : Rakesh Vyas. Scheme Inception Date – March 25, 2014


HDFC Credit Risk Debt Fund (Erstwhile HDFC Corporate Debt Opportunities Fund after merger of

HDFC Regular Savings Fund therein)

Key Facts

Type of SchemeAn open ended debt scheme predominantly investing in AA and below rated corporate bonds (excluding AA+ rated corporate bonds).

Category of Scheme Credit Risk Fund


To generate income / capital appreciation by investing predominantly in AA and below rated corporate debt. There is no assurance that the investment objective of the Scheme will be realized.


Exit Load


• Any redemption in excess of the limit shall be subject to the following exit load: -Exit load of 1.00% is payable if Units are redeemed / switched-out within 12 months from the date of allotment /

• 0.50% if Units are redeemed/switched-out within 18 month , from the date of allotment of units.

• No Exit Load after 18 months from the date of allotment.


Fund invests in debt, money market and relatedinstruments across maturities on the basis ofthe expected interest rate outlook.

The fund follows an active durationmanagement strategy. It may also tacticallychange allocations between Gilt & other debt &Money Market Instruments. .

Further, the Fund looks for opportunities acrossthe curve both on the GILT as well as thecorporate bond markets in order to capturespread movements.


42

$ Dedicated Fund Manager for Overseas Investments : Rakesh Vyas. Scheme Inception Date – April 28, 1997


HDFC Dynamic Debt Fund (Erstwhile HDFC High Interest Fund - Dynamic Plan)

Key Facts

Type of SchemeAn open ended dynamic debt Scheme investing across duration

Category of Scheme

Dynamic Bond Fund


To generate income / capital appreciation by investing in a range of debt and money market instruments. There is no assurance that the investment objective of the Scheme will be realized.


Exit Load

0.50% for redemptions within 6 months . No exit load after 6 months


SOLUTION ORIENTED SCHEMESAN OVERVIEW

43

Long term investment vehicle targetingretirement corpus

Choice of 3 plans – Depending on age and riskprofiles

‒ Equity Plan

‒ Hybrid Equity Plan

‒ Hybrid Debt Plan

Investments in the scheme qualify for benefitsU/s 80 C of the Income tax Act, 1961

Product offerings across asset and riskcategories

Enabling investors to invest in line with theirinvestment objectives and risk taking capacity

44




The information given herein is as per prevailing tax laws. Investors should be aware that fiscal rules/tax laws may change and there can be no guarantee that the

current tax position may continue indefinitely. In view of individual nature of tax consequences, please consult your professional tax advisor.

HDFC Retirement Savings Fund (A notified Tax Savings Cum Pension Scheme)

(Equity Plan, Hybrid Equity Plan & Hybrid Debt Plan)

Key Facts

Type of SchemeAn open ended retirement solution oriented scheme having a lock-in of 5 years or till retirement age (whichever is earlier)

Category of Scheme Retirement Fund


The investment objective of the Investment Plans under the Scheme is to provide long-term capital appreciation / income by investing in a mix of equity and debt instruments to help investors meet their retirement goals. There is no assurance that the investment objective of the Scheme will be realized

Fund Manager$ Chirag Setalvad (Equity Assets)Shobhit Mehrotra (Debt Assets)

Exit Load NIL

Benchmark

Equity Plan - NIFTY 500 Index Hybrid- Equity Plan - NIFTY 50 Hybrid Composite Debt 65:35 Index Hybrid-Debt Plan - NIFTY 50 Hybrid Composite Debt 15:85 Index

Meant for all children below the age of 18 years

Healthy allocation towards equities which is anideal long-term asset class coupled with debtallocation which provides stable returns

Personal accident insurance for parent/ legalguardian of up to Rs 10 lakhs*

Investments can be made on a lump sum or SIPbasis and there is no limit to the number oftransactions in any given year. No maximumlimit on investment

Easy hassle free withdrawal options

Benefit from the long term potential of equitywhile maintaining the stability of debt

45

$ Dedicated Fund Manager for Overseas Investments : Rakesh Vyas. Scheme Inception Date – March 02, 2001

*Subject to the terms and conditions of the Scheme & the Group Personal Accident Insurance Policy.



HDFC Children’s Gift Fund

Key Facts

Type of SchemeAn open ended fund for investment for children having a lock-in for at least 5 years or till the child attains age of majority (whichever is earlier)

Category of Scheme

Children’s Fund


To generate capital appreciation / income from a portfolio of equity & equity related instruments and debt and money market instruments. There is no assurance that the investment objective of the Scheme will be realized


Exit Load NIL

Benchmark NIFTY 50 Hybrid Composite Debt 65:35 Index

OTHER SCHEMESAN OVERVIEW

46

47For further details on investment strategy, asset allocation and scheme facts refer Scheme Information Document/ Key Information Memorandum

Index Funds

• HDFC Index Fund -NIFTY 50 Plan

• HDFC Index Fund -SENSEX Plan

Exchange Traded Funds

• HDFC NIFTY 50 ETF

• HDFC Sensex ETF

• HDFC Gold ETF

Fund of Funds

• HDFC Gold Fund

• HDFC Dynamic PE Ratio Fund of Funds


HDFC Index Funds

HDFC Index Fund - NIFTY 50 Plan (Erstwhile HDFC Index Fund - NIFTY Plan)

HDFC Index Fund - SENSEX Plan (Erstwhile HDFC Index Fund - SENSEX Plan & SENSEX Plus Plan)

Type of Scheme

An open ended scheme replicating/tracking NIFTY 50 Index

An open-ended scheme replicating/ tracking S&P BSE SENSEX Index

Category of Scheme

Index Fund Index Fund


The investment objective of the Scheme is to generate returns that are commensurate with the performance of the NIFTY 50 Index, subject to tracking errors. There is no assurance that the investment objective of the Scheme will be realized.

The investment objective of the Scheme is to generate returns that are commensurate with the performance of the S&P BSE SENSEX Index, subject to tracking errors There is no assurance that the investment objective of the Scheme will be realized.

Fund Manager$

Krishan Kumar Daga Krishan Kumar Daga

Exit Load 0.25 % upto 3 daysNo exit load after 3 days

0.25 % upto 3 days No exit load after 3 days

Benchmark NIFTY 50 Index (Total Returns Index) S&P BSE SENSEX Index (Total Returns Index)


HDFC Exchange Traded Funds

Product Details

Scheme Name

HDFC NIFTY 50 ETF HDFC SENSEX ETF HDFC Gold Exchange Traded Fund

Type of Scheme

An open ended scheme replicating/ tracking NIFTY 50 Index

An open ended scheme replicating/ tracking S&P BSE SENSEX Index

An open ended scheme replicating / tracking performance of Gold


The investment objective ofHDFC Nifty 50 ETF is to generatereturns that are commensuratewith the performance of theNIFTY 50 Index, subject totracking error. There is noassurance that the investmentobjective of the scheme will berealized.

The investment objective ofHDFC SENSEX ETF is to generatereturns that are commensuratewith the performance of the S&PBSE SENSEX Index, subject totracking error. There is noassurance that the investmentobjective of the Scheme will berealized.

The investment objective of theScheme is to generate returnsthat are in line with theperformance of gold, subject totracking errors. There is noassurance that the investmentobjective of the Scheme will berealized.

Fund Manager$

Krishan Kumar Daga Krishan Kumar Daga Krishan Kumar Daga

Exit Load NIL NIL NIL

BenchmarkNIFTY 50 Index (Total Returns Index)

S&P BSE SENSEX Index (Total Returns Index)

Domestic Price of Physical Gold.

50


HDFC Fund of Funds

Product Details

Scheme Name HDFC Gold Fund HDFC Dynamic PE Ratio Fund of Funds

Type of Scheme

An open ended Fund of Fund scheme investing in HDFC Gold Exchange Traded Fund

An open ended Fund of Fund scheme investing in equity and debt schemes of HDFC Mutual Fund

Category of Scheme Fund of Fund (Domestic) Fund of Funds


To seek capital appreciation by investing in units of HDFC Gold Exchange Traded Fund (HGETF). There is no assurance that the investment objective of the scheme will be realized.

To seek capital appreciation by managing the asset allocation between specified equity and debt schemes of HDFC Mutual Fund. There is no assurance that the investment objective of the Scheme will be realized

Fund Manager$ Krishan Kumar Daga Krishan Kumar Daga

Exit Load

2% for redemptions within 6 months1% after 6 Months but within 1 year No exit load after 1 year

1 % for redemptions within 1 year No exit load after 1 year

Benchmark Domestic Price of Physical Gold. NIFTY 50 Hybrid Composite Debt 65:35 Index

PRODUCT LABELLING – EQUITY SCHEMESName of Scheme This product is suitable for investors who are seeking* Riskometer

HDFC Top 100 Fund• To generate long-term capital appreciation/ income

• Investment predominantly in Large-Cap companies

Investors understand that their

principal will be at moderately high risk

HDFC Mid Cap Opportunities

Fund

• To generate long-term capital appreciation/ income

• Investment predominantly in Mid-Cap companies

HDFC Small Cap Fund• To generate long-term capital appreciation/ income

• Investment predominantly in Small-Cap companies

HDFC Growth Opportunities

Fund


• Investment predominantly in Large Cap & Mid Cap companies

HDFC Equity Fund• To generate long-term capital appreciation/ income

• Investment predominantly in equity & equity related instruments

HDFC Capital Builder Value Fund• To generate long-term capital appreciation/income in the long term

• Investment primarily in undervalued stocks

HDFC Focused 30 Fund• To generate long-term capital appreciation/ income

• Investment predominantly in equity & equity related instruments of upto 30

companies

HDFC Tax Saver Fund• To generate long-term capital appreciation/ income

• Investment predominantly in equity & equity related instruments

HDFC Infrastructure Scheme


• Investment predominantly in equity & equity related instruments of companies

engaged in or expected to benefit from the growth and development of

infrastructure

Investors understand that their

principal will be at high risk

* Investors should consult their financial advisers if in doubt about whether the product is suitable for them.51

PRODUCT LABELLING – HYBRID SCHEMES

Name of Scheme This product is suitable for investors who are seeking* Riskometer

HDFC Arbitrage Fund• Income over short term.

• Income through arbitrage opportunities between cash and

derivative market and arbitrage opportunities within the

derivative segment

Investors understand that their principal will be at

moderately low risk

HDFC Hybrid Debt Fund

• To generate long-term income /capital appreciation

• Investments primarily in debt securities, money market

instruments and moderate exposure to equities


moderately high risk

HDFC Equity Savings Fund

• Capital appreciation while generating income over medium

to long term.

• Provide capital appreciation and income distribution to the

investors by using equity and equity related instruments,

arbitrage opportunities, and investments in debt and money

market instruments

HDFC Multi –Asset Fund


• Investments in a diversified portfolio of equity & equity

related instruments, debt & money market instruments and

Gold

HDFC Hybrid Equity Fund


• Investments predominantly in equity & equity related

instruments. The Scheme will also invest in debt and money

market instruments

HDFC Balanced Advantage

Fund


• Investments in a mix of equity & debt instruments

* Investors should consult their financial advisers if in doubt about whether the product is suitable for them.

52

PRODUCT LABELLING – DEBT SCHEMES CONTD..


HDFC Overnight Fund

• Regular income over short term that may be in line with the

overnight call rates

• To generate returns by investing in debt and money market

instruments with overnight maturity

Investors understand that their principal will

be at low risk

HDFC Liquid Fund

• Regular income over short term

• To generate income through a portfolio comprising money

market and debt instruments


• Income over short term

• income/ capital appreciation through investment in debt

securities and money market instruments.


be at moderately low risk

HDFC Money Market Fund


• To generate income/ capital appreciation by investing in money

market instruments.

HDFC Low Duration Fund


• To generate income/ capital appreciation through investment in

debt securities and money market instruments.

HDFC Short Term Debt Fund• Income over short term

• To generate income/ capital appreciation through investment in

debt and money market instruments.

HDFC Corporate Bond Fund

Fund

• Income over short to medium term

• To generate income / capital appreciation through investments

predominantly in AA+ and above rated corporate bonds

HDFC Floating Rate Debt Fund


• To generate income / capital appreciation through investments in

a portfolio comprising substantially of floating rate debt, fixed

rate debt instruments swapped for floating rate returns and

money market instruments


PRODUCT LABELLING – DEBT SCHEMES


HDFC Medium Term Debt

Fund

• Income over medium term

• To generate income/ capital appreciation by investments in debt

and money market instruments.


be at moderate risk

HDFC Income Fund

• Income over medium to long term

• To generate income/ capital appreciation through investments in

debt and money market instruments.

HDFC Gilt Fund

• Credit risk free returns over medium to long term

• To generate credit risk-free returns through investments in

sovereign securities issued by the Central Government and / or

State Government.

HDFC Banking and PSU Debt

Fund


• To generate income / capital appreciation through investments in

debt and money market instruments consisting predominantly of

securities issued by entities such as Scheduled Commercial Banks

(SCBs), Public Sector undertakings (PSUs), Public Financial

Institutions (PFIs), Municipal Corporations and such other bodies

HDFC Credit Risk Fund


• To generate income / capital appreciation by investing

predominantly in AA and below rated corporate debt (excluding

AA+ rated corporate bonds)

HDFC Dynamic Debt Fund

• Income over medium to long term

• To generate income/ capital appreciation by investing in a range of

debt and money market instruments


PRODUCT LABELLING


HDFC Retirement

Savings Fund –

Equity Plan

• A corpus to provide for pension in the form of income to the

extent of the redemption value of their holding after the age of 60

years.

• Investment predominantly in equity and equity related instruments



HDFC Retirement

Savings Fund –

Hybrid Equity Plan



years.

• Investment predominantly in equity and equity related instruments &

balance in debt and money market instruments.

HDFC Retirement

Savings Fund –

Hybrid Debt Plan



years.

• Investment predominantly n debt and money market instruments &

balance in equity and equity related instruments.

HDFC Children’s

Gift Fund

• Capital appreciation over long term

• Investment in equity and equity related instruments as well as debt

and money market instruments.

* Investors should consult their financial advisers if in doubt about whether the product is suitable for them.

55

PRODUCT LABELLING – SOLUTION ORIENTED SCHEMES

PRODUCT LABELLING


HDFC Index Fund -

NIFTY 50 Plan

• Returns that are commensurate with the performance of the

NIFTY 50, subject to tracking errors over long term

• Investment in equity securities covered by the NIFTY 50



HDFC Index Fund -

SENSEX Plan

• Returns that are commensurate with the performance of the S&P

BSE SENSEX, subject to tracking errors over long term

• Investment in equity securities covered by the S&P BSE SENSEX

HDFC NIFTY 50 ETF

• Returns that are commensurate with the performance of the

NIFTY 50, subject to tracking errors over long term

• Investment in equity securities covered by the NIFTY 50.

HDFC SENSEX ETF

• Returns that are commensurate with the performance of the S&P

BSE SENSEX, subject to tracking errors over long term

• Investment in equity securities covered by the S&P BSE SENSEX.

HDFC Gold Exchange

Traded Fund

• Returns that are commensurate with the performance of the gold,

subject to tracking errors over long term

• Investment predominantly in Gold bullion of 0.995 fineness.

HDFC Gold Fund


• Investment in Units of HDFC Gold Exchange Traded Fund

(HGETF). HGETF invests in gold bullion of 0.995 fineness

HDFC Dynamic PE Ratio

Fund of Funds


• Investment in specified equity and debt schemes of HDFC Mutual

Fund based on PE Ratios

* Investors should consult their financial advisers if in doubt about whether the product is suitable for them. 56

PRODUCT LABELLING – OTHER SCHEMES

DISCLAIMER

This presentation dated 12th October 2018 has been prepared by HDFC Asset Management Company Limited (HDFC

AMC) based on internal data, publicly available information and other sources believed to be reliable. Any calculations made

are approximations, meant as guidelines only, which you must confirm before relying on them. The information contained in

this document is for general purposes only. The document is given in summary form and does not purport to be complete.

The document does not have regard to specific investment objectives, financial situation and the particular needs of any

specific person who may receive this document. The information/ data herein alone are not sufficient and should not be used

for the development or implementation of an investment strategy. The statements contained herein are based on our

current views and involve known and unknown risks and uncertainties that could cause actual results, performance or events

to differ materially from those expressed or implied in such statements. Past performance may or may not be sustained in

future. Neither HDFC AMC and HDFC Mutual Fund nor any person connected with them, accepts any liability arising from

the use of this document. The recipient(s) before acting on any information herein should make his/her/their own

investigation and seek appropriate professional advice and shall alone be fully responsible / liable for any decision taken on

the basis of information contained herein.

Mutual fund investments are subject to market risks, read all scheme related

documents carefully.

57

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