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Best HDFC Mutual Funds: Performance and Returns in 2025
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HDFC Mutual Fund is indeed one of the most trusted asset management companies in India. HDFC Mutual Fund has a variety of investment avenues available for all different financial goals. As of 2025, many HDFC mutual funds provide strong delivery to investors and hence rank among the well-known among investors.
This article will mainly discuss the best HDFC mutual funds in the year 2025, considering their performance, returns, benefits, and risk factors involved.
Best HDFC Mutual Funds in 2025
This section will provide performance, NAV, Returns, and other important details of some best HDFC Mutual Funds in India available in 2025.
1. HDFC Infrastructure Fund Dir-G
|
Return or Risk |
Volatility Protection |
Return Outperformance |
|
Performing poorly in its category |
Ranks lower in protecting against volatility |
Over the past 5 years, this product has produced the highest return among sectoral infrastructure funds. |
Fund Details
|
Fund House |
HDFC Mutual Fund |
|
Launch Date |
01 Jan 2013 |
|
Expense Ratio |
1.04% as of Feb 28, 2025 |
|
Benchmark |
BSE India Infrastructure TRI |
|
Min. Investment |
SIP- Rs.500 and Lump- Rs.1000 |
|
Risk |
Very High |
|
3 Year Returns |
118.39% |
|
Short Term Capital Gains (STCG) |
20% if redeemed earlier than 12 months |
|
Long Term Capital Gains (LTCG) |
After 12 months, 12.5% tax on gains of Rs.1.25 lac + in a financial year |
Asset Allocation of Equity
|
Asset |
Percentage (%) |
|
Equity |
91.37% |
|
Other |
8.63% |
Top 3 Stock Holdings
|
Company |
Holdings |
|
ICICI Bank Ltd. |
7.44% |
|
HDFC Bank Ltd. |
5.76% |
|
Larsen & Toubro Ltd. |
5.71% |
2. HDFC Focused 30 Fund Dir-G
|
Return or Risk |
Volatility Protection |
Return Outperformance |
|
Performing poorly in its category |
One of the best volatility protection in its category |
Over the past ten years, this product has produced the highest return among focused funds. |
Fund Details
|
Fund House |
HDFC Mutual Fund |
|
Launch Date |
01 Jan 2013 |
|
Expense Ratio |
0.71% as of Feb 28, 2025 |
|
Benchmark |
NIFTY 500 TRI |
|
Min. Investment |
Lump- Rs.5000 and SIP- Rs.1000 |
|
Risk |
Very High |
|
3 Year Returns |
89.02% |
|
Short Term Capital Gains (STCG) |
20% if redeemed earlier than 12 months |
|
Long Term Capital Gains (LTCG) |
After 12 months, 12.5% tax on gains of Rs.1.25 lac + in a financial year |
Asset Allocation of Equity
|
Asset |
Percentage (%) |
|
Equity |
85.04% |
|
Debt |
0.33% |
|
Other |
14.63% |
Top 3 Stock Holdings
|
Company |
Holdings |
|
HDFC Bank Ltd. |
9.69% |
|
ICICI Bank Ltd. |
8.92% |
|
Axis Bank Ltd. |
8.9% |
3. HDFC Mid-Cap Opportunities Dir-G
|
Return or Risk |
Chance |
Return Outperformance |
|
Performing poorly in its category |
70% of the time it has produced an annual return of 13.23% if held for at least 5 years |
Over the past 10 years, this product has produced the highest return among Mid-cap funds. |
Fund Details
|
Fund House |
HDFC Mutual Fund |
|
Launch Date |
01 Jan 2013 |
|
Expense Ratio |
0.83% as of Feb 28, 2025 |
|
Benchmark |
NIFTY Midcap 150 TRI |
|
Min. Investment |
Lump- Rs.1000 and SIP- Rs.500 |
|
Risk |
Very High |
|
3 Year Returns |
93.38% |
|
Short Term Capital Gains (STCG) |
20% if redeemed earlier than 12 months |
|
Long Term Capital Gains (LTCG) |
After 12 months, 12.5% tax on gains of Rs.1.25 lac + in a financial year |
Asset Allocation of Equity
|
Asset |
Percentage (%) |
|
Equity |
92.47% |
|
Other |
7.53% |
Top 3 Stock Holdings
|
Company |
Holdings |
|
Max Financial Services Ltd. |
3.77% |
|
The Indian Hotels Company Ltd. |
3.77% |
|
Balkrishna Industries Ltd. |
3.53% |
Benefits of HDFC Mutual Funds Investments
-
HDFC provides options for equity, debt, hybrid, and thematic funds based on different risk levels.
-
Numerous HDFC funds have provided strong long-term returns over the years relative to their benchmarks.
-
Experienced fund managers are in charge and they keep track of market conditions and the performance of different stocks.
-
Investors can put in smaller amounts of money on a regular basis, encouraging investing.
-
Some HDFC mutual funds allow tax deductions like ELSS (Equity Linked Savings Scheme) under section 80C of the Income Tax Act.
Risks of HDFC Mutual Funds Investments
-
Investments in the mutual fund are subject to market risks which affect the returns.
-
Changes in interest rates affect the returns from debt funds.
-
Some funds may become illiquid during bear markets, especially thematic or small-cap funds.
-
Excessive expense ratios reduce the net return over an extended period.
-
Returns are not assured from mutual funds nor does their previous performance guarantee any future profits.
Conclusion
For the investor in 2025, diversified with strong growing potentials across sectors, HDFC Mutual Funds provides many alternatives for growth in infrastructure, safety on focused funds, or opportunities in the mid-cap space. But before making any investments, one must consider the risk factors that go along with that investment.
Other Related Blogs
- Explore US Mutual Funds in India
- Read Top 3 Mutual Funds to Invest
- Read Samco Large Cap Fund
Disclaimer: Not a buy or sell recommendation. No investment advice is given. Past returns do not guarantee future returns. This Mutual Funds analysis is provided solely for informative purposes and should not be considered investment advice. Always conduct research and talk with a financial advisor before investing.
Author
Frequently Asked Questions
HDFC Mid-Cap Opportunities Dir-G, HDFC Focused 30 Fund Dir-G, and HDFC Infrastructure Fund Dir-G are among the best funds from HDFC.
It is among the best AMCs in India.
It has trailing returns of 15.58% (1 year), 22.83% (3 years), 32.22% (5 years), and 16.08% (from launch) over various periods.
1% of exit load is applicable if units are redeemed within 12 months.
1% of exit load is applicable if units are redeemed within 1 month.
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