Presentation HDFC Mutual Fund.pdf

Mutual fund project

1. HDFC Mutual Fund
PRODUCT SUITE
October 2017
OCTOBER 2018

2. ABOUT USHDFCAssetManagementCompanyLtd.(AMC)wasincorporatedin1999.HousingDevelopment
FinanceCorporationLimited(HDFC)andStandardLifeInvestmentsLimited(SLI),theinvestmentarm
ofTheStandardLifeGroup,UKarethepromotersofthecompany.
Experiencedfundmanagementandresearchteamwithexperienceofmanagingassetsacrossmarket
cycles
Strongemphasisonmanagingandcontrollingportfoliorisk;avoidschasingthelatest“fadsandtrends”
Productofferingsacrossassetandriskcategoriesenablinginvestorstoinvestinlinewiththeir
investmentobjectivesandrisktakingcapacity
OneofIndia`spremierfundhouseswithQuarterlyAverageAUMofoverRs.3,06,360*Crore
Source AMFI
* As of 30th Sept 2018.
2
ABOUT US

3. FUND CLASSES ON OFFER
3
SCHEME CATEGORIES ON OFFER
Equity Schemes
Hybrid Schemes
Debt Schemes
Solution Oriented Schemes
Other Schemes ( Index Funds, ETFs & FoFs)
Fixed Maturity Plans

4. INVESTMENT PHILOSOPHY (EQUITIES)
Thekeybeliefisthatovertime,stockpricesreflecttheirintrinsicvalues
Ourinvestmentphilosophyandprocessisprimarilybasedonlongtermfundamentals,marginofsafetyand
effectivediversification
Tocreatewealthovertime,thekeyiscapitalprotectionandthereforeweemphasizeontheconceptofmargin
ofsafety
Webelievethatitispossibletoachievehigherportfolioreturnsthroughactivemanagementconsistentlyover
thelongterm
Astrongfocusonresearch.
4

5. Determinationofinterestratetrends,emphasisonhighcreditquality,controllingvolatilityonaccountof
interestrateswingsandmaintainingnecessaryportfolioliquidityarethekeydeterminantsofourfixed
incomestrategy.Portfoliosarebuilttoachieveoptimalrisk-adjustedtotalreturns
Extensionorretractionofportfoliomaturity/durationiseffectedonlyafteracarefulevaluationofyield
curves,spreadsbetweenqualityissuersandmarketsectors
Ouremphasisisoninstrumentshavinghighcreditqualitywherethefinancialstrengthoftheissuer(or
guarantor)iswell-documentedbymajorratingservices.Inaddition,in-housecreditanalysisisrelieduponto
arriveatrelativepositionswithinmajorratingcategories
Thisapproachtranslatesintothefollowing:
Aninvestmentstylethatisdevelopedthroughanappraisaloftherespectiveschemes’investment
objectives,expectationsandpositioning,risktoleranceanduniqueneeds
Emphasisonportfolioqualityintheimplementationofourstrategy,whileusingfundamentaland
technicalanalysistoseekopportunitiesforprofitableinvestments.Thefocusisondetailedandbetter
understandingofthebusinessthatweinvestin
Primarygoalisthedevelopmentandimplementationofrespectiveschemeportfoliossuchthatoptimal
risk-adjustedreturnsareachievedwhilemaintaininggoodqualityportfolioandliquidity
5
INVESTMENT PHILOSOPHY (DEBT)

6. EQUITY SCHEMES
AN OVERVIEW
6

7. 7
Equity Schemes
Diversified
Thematic
HDFC
Infrastructure Fund
ELSS
HDFC TaxSaver
Market Cap
Biased
Non Market
Cap Biased
Large Cap
HDFC Top 100 Fund
Mid Cap
HDFC Mid Cap Opportunities Fund
Large & Mid Cap
HDFC Growth Opportunities Fund
Small Cap
HDFC Small Cap Fund
Multi Cap
HDFC Equity Fund
Value
HDFC Capital Builder Value Fund
Focused
HDFC Focused 30 Fund
OPEN ENDED EQUITY SCHEMES

8. AFundwithover23yearstrackrecordof
existence
Aportfoliothatinvestsincompaniesspanning
entiremarketcapitalization
Preferenceforstrongcompanies-Strong
companiesnotonlysurvive,butemergestronger
inchallengingtimes,reducingpermanentlosses
Effectivediversificationofportfolio–The
portfoliohasalwaysbeendiversifiedacrosskey
sectorsandvariablesacrosstheeconomyto
reducerisk
Along-termapproachtoinvestingandalow
portfolioturnover
Longtermoriented,disciplinedandconsistent
approachtoinvestments
Astrongdividendtrackrecordforthelastdecade
(8-13%dividendyield)
8
$ 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 thatthe dividends will be paid regularly.
For further details on investment strategy, asset allocation and scheme facts refer Scheme Information Document/ Key InformationMemorandum
HDFC EQUITY FUND
Key Facts
Typeof 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$
PrashantJain
Exit Load
1% for redemptions within 1 year .
No exit load after 1 year
Benchmark
NIFTY 500 Index (TRI)

9. 9
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
Investment
Objective
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.
Fund Manager$ Prashant Jain
Exit Load
1% for redemptions within 1 year .
No exit load after 1 year
Benchmark NIFTY 100 Index (TRI)
Adiversified“LargeCap“fund,theInvestment
universeofwhichwillbeasdefinedbySEBI
fromtimetotime.
CurrentInvestmentuniverse:Theuniverseof
“LargeCap”shallconsistof1stto100th
companyintermsoffullmarketcapitalization
Aminimumof80%ofthefundsshallbe
investedinlargecapstocks.
Thefundwithover22yearstrackrecordof
existence
$ Dedicated Fund Manager for Overseas Investments : RakeshVyas.
Scheme Inception Date October 11, 1996
For further details on investment strategy, asset allocation and scheme facts refer Scheme Information Document/ Key InformationMemorandum

10. 10
HDFC MIDCAP OPPORTUNITIES FUND
Key Facts
Type of Scheme
An open ended equity scheme
predominantly investing in mid cap
stocks
Category of
Scheme
Mid Cap Fund
Investment
Objective
To provide long-term capital
appreciation/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
Exit Load
1% for redemptions within 1 year .
No exit load after 1 year
Benchmark NIFTY Midcap100Index (TRI)
Adiversified“MidCap“fund,thatinvests
predominantlyinmid-capstocks(65-100%),and
thebalanceinotherthanmidcapstocksand
debtsecuritiesandmoneymarketinstruments.
TheFundtargetswellmanagedmidcap
companiesthataregrowingwellandavailable
atreasonablevaluations
Thefundidentifiescompanieswithsound
financialstrengthandsustainablebusiness
modelswithafocusonqualitymetricslike
ROCE&ROE.
Oneofthelargestfundsinthemid-capcategory
andinexistenceformorethan11years*
$ 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
For further details on investment strategy, asset allocation and scheme facts refer Scheme Information Document/ Key Information Memorandum

11. 11
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
Investment
Objective
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
Exit Load
1% for redemptions within 1 year .
No exit load after 1 year
Benchmark NIFTY SmallCap 100Index (TRI)
Adiversified“SmallCap“fund,thatinvests
predominantlyinSmall-capstocks(65-100%),
andthebalanceinotherthansmallcapstocks
anddebtsecuritiesandmoneymarket
instruments.
Largeinvestmentuniverseforstockselection
Focusonwellmanagedsmallcapcompanies
withbusinessesoperatinginaniche
environment
Identifybusinessesatarelativelyearlystagein
theirlife-cyclewithfocusonqualitymetricslike
ROCE&ROE
Identifyingcompanieswithreasonablegrowth
prospectsandsoundfinancialstrengthand
sustainablebusiness.
Seekingundervaluedbusinesses
Thefundwithover10yearstrackrecordof
existence
$ Dedicated Fund Manager for Overseas Investments : RakeshVyas.
Scheme Inception Date –April 03, 2008
For further details on investment strategy, asset allocation and scheme facts refer Scheme Information Document/ Key InformationMemorandum

12. 12
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
Investment
Objective
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$ VinayR. Kulkarni
Exit Load
1% for redemptions within 1 year .
No exit load after 1 year
Benchmark
NIFTY Large -Midcap 250 Index (TRI)
Adiversifiedportfolioofequityandequity
relatedsecuritiesofpredominantlylargecapand
midcapcompanies
Minimumexposureof35%intolargecapsand
35%intomidcapstoensuremarketcap
diversification
Focusoncompaniesspanningentiremarket
capitalizationwhich:
a)arelikelytoachieveaboveaveragegrowth;
b)enjoydistinctcompetitiveadvantages;
c)havesuperiorfinancialstrength;
d)aretradingatrelativelyattractivevaluations;
and/or
e)havevalueunlockingpotential.
$ Dedicated Fund Manager for Overseas Investments : Rakesh Vyas. Scheme Inception Date –February 18, 1994
For further details on investment strategy, asset allocation and scheme facts refer Scheme Information Document/ Key InformationMemorandum

13. 13
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
Investment
Objective
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$
VinayR. Kulkarni
Exit Load
1% for redemptions within 1 year .
No exit load after 1 year
Benchmark NIFTY 500 Index (TRI)
Focusedportfolioof30companies
Focusonwellmanagedcompaniesacross
differentmarketcapsegments-i.e.large,mid-
capandsmallcap.
Identifyingcompanieswithreasonablegrowth
prospects.
Identifycompanieswithsoundfinancialstrength
andsustainablebusiness.
TheSchemeaimstomaintainareasonablydiversified
portfolioatalltimescomprisingstocksacrossvarious
sectorsoftheeconomytoreducesectorspecificrisks
$ 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

14. 14
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
Investment
Objective
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
Exit Load
1% for redemptions within 1 year .
No exit load after 1 year
Benchmark NIFTY 500 Index (TRI)
AFundwithover20yearstrackrecordofexistence
Investsinstrongcompanieswhicharereasonably
valued
Valuebias:TheSchemewillgenerallymaintaina
minimumof50%oftheequityportfolioinstocks
wherethetrailingP/E(Price/Earnings)ortrailingP/B
(Price/BookValue)RatioislessthanMedianP/Eor
P/BofstocksintheNSE500Index
NoMarketcaporsectorbias:Beingamulti-capfund
thefundattemptstohavegoodrepresentation
acrossmarketcapitalizationsbasedonopportunity
andrisk-rewardwithoutanysectoralbias
4guidingprinciplesforportfoliocreation:
1.Focusonbuyingvaluestocks
2.Bottom-upstockpickingwithinsector
3.Sectoraldiversification
4.Ensuringconsistencyofriskadjustedreturns
Effectivediversificationacrossawideareaof
sectorstomanagerisk
$ Dedicated Fund Manager for Overseas Investments : Rakesh Vyas. Scheme Inception Date –February 01, 1994
For further details on investment strategy, asset allocation and scheme facts refer Scheme Information Document/ Key Information Memorandum

15. 15
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 Scheme
Equity Linked Savings
Scheme
Investment Objective
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$ VinayR. Kulkarni
Exit Load NIl
Benchmark NIFTY 500 Index (TRI)
InvestmentRationale
Welldiversifiedequityfund
Fundideallypositionedtotakeadvantageofimpending
growthphaseintheIndianeconomy
Thefundendeavorstogiveinvestorsasuperiorpost
taxreturnascomparedtotraditionaltaxsaving
instrumentssinceinception
FundSuitability
Consideringtoinvestfortaxplanningandavailbenefit
oftaxdeductionu/s80CoftheIncome–TaxAct,1961
Lookingforanalternativetotraditionaltaxsaving
instruments
Willingtoinvestinadiversifiedequityfundwith
minimumlock-inperiodofthreeyears
$ 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 InformationMemorandum.
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.

16. 16
HDFC Infrastructure Fund
Key Facts
Type of Scheme
An open-ended equity
scheme following
infrastructure theme
Category of SchemeThematic Fund
Investment Objective
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$ SrinivasRaoRavuri
Exit Load NIL
Benchmark NIFTY 500 Index (TRI)
InvestmentRationale
HDCFInfrastructureFundisideallypositionedto
benefitfrom
InfrastructurethrustinIndia–
Power
Road&Railways
Cleargovernmentfocus
Land&Mininglawstweaked,Labour
lawschangeslikely
Localisationof“Defence”procurement
Withattractivevaluationsandprospectsof
economicrecovery,riskrewardmaybefavorable
fortheschemeovermediumtolongterm.
$ Dedicated Fund Manager for Overseas Investments : Rakesh Vyas . Scheme Inception Date –March 10, 2008
HDFC AMC/MF is not guaranteeing or promising any returns.
For further details on investment strategy, asset allocation and scheme facts refer Scheme Information Document/ Key InformationMemorandum

17. HYBRID SCHEMES
AN OVERVIEW
17

18. Returns
Risk
BALANCED FUNDS
AN INTRODUCTION
Broadly,hybridfundstargetreturnsgreaterthan
debtschemeswithlowervolatilitythanequity
schemes
Hybridfundsprovideinvestorsthegrowthofequity
withthestabilityofdebt
Ahybridfundisaportfoliogenerallycomprising
debtinstruments,convertiblesecurities,preference
andequityshares
Assetsaregenerallyheldinpredefinedproportionof
debt/moneymarketsecuritiesandequities
In view of the individual circumstances and risk profile, each investor is advised to consult his / her professional advisor beforemaking 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

19. Aimstogenerateincomethrougharbitrage
opportunitiesarisingoutofpricingmismatchin
asecuritybetweendifferentmarketsorasa
resultofspecialsituations.
Completelyhedgedpositions,neutralizes
marketrisk(volatility)andtargetsabsolute
returnsirrespectiveofmarketconditions.
Enhanceportfolioreturnsusingdifferenttrading
strategieswithinderivativessegment
Balanceofsafety,returnsandliquidity
19
$ Dedicated Fund Manager for Overseas Investments : Rakesh Vyas . Scheme Inception Date –October 23, 2007
For further details on investment strategy, asset allocation and scheme facts refer Scheme Information Document/ Key Information Memorandum.
HDFC Arbitrage Fund
Key Facts
Type of
Scheme
An open ended scheme investing in
arbitrage opportunities
Category of
Scheme
Arbitrage Fund
Investment
Objective
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

20. Hybridstrategywithupto25%exposureto
equities
Targetsreturnshigherthandebtschemeswith
volatilitylowerthanequityschemes
Idealforconservativeandriskaverseinvestors
lookingforcontrolledequityexposure
Investmentphilosophyforfixedincome:Safety,
LiquidityandReturnsareemphasizedinthat
order
InvestmentphilosophyforEquityexposureisto
maintainaneffectivelydiversifiedportfoliowith
focuson:
Soundqualitycompanies
Companies/businesseswithsuperior
growthprospectsthatareavailableata
reasonableprice
20
$ Dedicated Fund Manager for Overseas Investments : Rakesh Vyas. Scheme Inception Date –December 26, 2003
For further details on investment strategy, asset allocation and scheme facts refer Scheme Information Document/ Key Information Memorandum.
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 Scheme
An open-ended hybrid scheme investing
predominantly in debt instruments
Category of Scheme
Conservative Hybrid Fund
Investment
Objective
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.
Benchmark
NIFTY 50 Hybrid Composite Debt 15:85
Index

21. HDFCEquitySavingsFundseekstoprovideanoptimal
mixofequity,debtandarbitrageopportunities.
WhyInvestinHDFCEquitySavingsFund?
Longtermgrowth–Controlledequityallocationto
takeadvantageofthelongtermpotentialof
equities.(15-40%)
RegularIncome–Debtsecurities(10-35%)and
arbitragesecurities(25-75%)reducevolatilityand
aidregularincome.
EfficientTaxation#–Bettertaxefficiencythandebt
funds
LowFundVolatility–Fixedincomeexposureand
hedgedexposure(arbitrage)reducesfundsvolatility
inherenttodirectionalequityexposure
DiversifiedAssetAllocation–Regularbalancing
betweenassetclassesbasedonmarketconditions
andoutlook.
21
$ Dedicated Fund Manager for Overseas Investments : Rakesh Vyas . Scheme Inception Date : September 17, 2004
For further details on investment strategy, asset allocation and scheme facts refer Scheme Information Document/ Key Information Memorandum.
In view of the individual circumstances and risk profile, each investor is advised to consult his / her professional advisor beforemaking 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
Investment
Objective
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$
VinayR. 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.
•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.
Benchmark
40% NIFTY 50 Arbitrage Index,30% Crisil Short Term
Bond Fund Index and 30% NIFTY 50 TR Index

22. Adiversifiedportfolioofequity&equityrelated
instruments,debt&moneymarketinstruments
andGoldwithminimumexposureof10%in
eachoftheaboveassetclasses
Asperthecurrentinvestmentstrategythe
schemeinvestsintherangeof65%–80%ofits
corpusinequity.Andtheexposuretodebt&
GoldandGoldrelatedinstrumentsranges
between10%-25%*
Idealforinvestorslookingforawelldiversified
portfolioacrossassetclassesto:
Benefitfromthegrowthofequitiesand
Providethestabilityofdebtmarkets
Hedgeagainstmarketuncertaintiesand
inflationviaGoldexposure
22
$ Dedicated Fund Manager for Overseas Investments : Rakesh Vyas. Scheme Inception Date : August 17, 2005
For further details on investment strategy, asset allocation and scheme facts refer Scheme Information Document/ Key Information Memorandum.
*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 SchemeMulti Asset Allocation
Investment
Objective
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 (GoldAssets)
Exit Load
1% for redemptions with 12 months .
No exit load after 12 months
Benchmark
90% NIFTY 50 Hybrid Composite Debt
65:35 Index + 10% Domestic Price of
Gold

23. Targetsreturnsgreaterthandebtschemeswith
lowervolatilitythanequityschemes
Aimsatequityexposurerangingbetween65%
and80%andtherestindebt,REITs,INVITsand
NonConvertiblePreferenceShares
Retainsflexibilitytoinvestacrossmarket
capitalisationinequityandacrossduration
bucketsindebt
Idealforinvestorslookingforawelldiversified
portfolioacrossassetclassesto:
Benefitfromthegrowthofequitiesand
Providethestabilityofdebtmarkets
Fundwithover18Yeartrackrecordofexistence
23
$ 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 Scheme
An open ended hybrid scheme investing
predominantly in equity and equity related
instruments.
Category of Scheme Aggressive Hybrid Fund
Investment Objective
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.
Fund Manager$ Chirag Setalvad
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.
Benchmark NIFTY 50 Hybrid Composite Debt 65:35 Index

24. 24
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 SchemeBalanced Advantage Fund
Investment
Objective
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.
Fund Manager$ PrashantJain
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.
•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.
Benchmark
NIFTY 50 Hybrid Composite Debt 65:35
Index
Spreadingtheinvestmentintotwobroaddivisions–
equitiesanddebt(0-100%ineitheroftheassetclass)
asperfundmanagersviewovermediumtolongterm
Thefundendeavorstogivetwinadvantage,the
growthpotentialofequityaswellasstrong
foundationofdebt
Aimsatlongtermcapitalappreciationthroughequity
exposurerangingbetween65–75%
#
Thedebt-equitymixatanypointoftimewillbea
functionofvariousfactorssuchasinterestrates,
equityvaluation,mediumtolong-termoutlookofthe
assetclasses,riskmanagementandothers
Largest*EquityOrientedHybridFundinIndiawitha
AUMof~INR39,215croresason31
st
August,2018.
TheFundhaspaiddividendsineachoflast19
years$$
$ Dedicated Fund Manager for Overseas Investments : Rakesh Vyas. Scheme Inception Date –February 01, 1994
*Source: MFI. # As per current investment strategy which is subject to change based on prevailing market and economic conditions.$$ 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 hsitoryand 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 InformationMemorandum.

25. DEBT FUNDS
AN OVERVIEW
25

26. 26
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

27. DURATION BASED DEBT SCHEMES
AN OVERVIEW
27

28. Idealforparkingsurplusmoneypending
deploymentupto3months.
Theschemeinvestsupto100%ofitsassetsin
debtandmoneymarketinstrumentswith
overnightmaturity.
InvestmentsundertheSchemewouldbemade
predominantlyinCollateralisedBorrowing&
LendingObligations(CBLO),overnightreverse
reposandfixedincomesecurities/instruments
withovernightmaturity.
28
Scheme Inception Date : February 06, 2002
For further details on investment strategy, asset allocation and scheme facts refer Scheme Information Document/ Key Information Memorandum.
HDFC Overnight Fund (Erstwhile HDFC Cash Management Fund -Call Plan)
Key Facts
Type of Scheme
An open ended debt scheme
investing in overnight securities
Category of
Scheme
Overnight Fund
Investment
Objective
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 AnilBamboli
Exit Load
NIL
Benchmark CRISIL CBLO Index

29. Idealforparkingsurplusmoneypending
deploymentorformeetingcontingencies.
Theschemeisidealforthosewithan
investmenthorizonofupto3months.
TheSchemeinvestsindebtandmoneymarket
instrumentswithresidualmaturitynot
exceeding91days,subjecttoregulatory
changesfromtimetotime.
Aimstogeneratestableincome
Highliquidity
Lowcreditrisk
Suitableforinvestmentevenforasingleday
Nolock-in,noentry/exitload
29$ Dedicated Fund Manager for Overseas Investments : Rakesh Vyas. Scheme Inception Date –October 17, 2000
For further details on investment strategy, asset allocation and scheme facts refer Scheme Information Document/ Key Information Memorandum.
HDFC Liquid Fund
Key Facts
Type of Scheme
An Open-ended Liquid Scheme
Category of
Scheme
Liquid Fund
Investment
Objective
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. 30$ Dedicated Fund Manager for Overseas Investments : Rakesh Vyas. Scheme Inception Date –September 25, 2018
For further details on investment strategy, asset allocation and scheme facts refer Scheme Information Document/ Key Information Memorandum.
HDFC Ultra Short Term Fund
Focusesoninvestingindebtsecuritiesand
moneymarketinstrumentssuchthatthe
MacaulayDurationoftheportfolioisbetween3
and6months.
Awell-diversifiedportfolioofdebt(including
securitiseddebt)andmoneymarketinstruments
Aimstomaintainhighdegreeofliquiditywith
lowlevelsofinterestraterisk.
Theschemeisidealforthosewithaninvestment
horizonof2-6months.
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
Investment
Objective
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

31. Investsintomoneymarketinstrumentshaving
maturityofupto1year
Moneymarketinstrumentsincludescommercial
papers,commercialbills,treasurybills,
Governmentsecuritieshavinganunexpired
maturityuptooneyear,callornoticemoney,
certificateofdeposit,usancebillsandanyother
likeinstrumentsasspecifiedbytheReserve
BankofIndiafromtimetotime
Suitableforinvestmentswithahorizonof3to6
months
Lowlevelsofinterestraterisks
31
$ Dedicated Fund Manager for Overseas Investments : Rakesh Vyas. Scheme Inception date –November 18, 1999
For further details on investment strategy, asset allocation and scheme facts refer Scheme Information Document/ Key Information Memorandum.
HDFC Money Market Fund (Erstwhile HDFC Cash Management Fund -Savings Plan)
Key Facts
Type of Scheme
An open ended debt scheme
investing in money market
instruments
Category of
Scheme
Money Market Fund
Investment
Objective
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.
Fund Manager$ AnilBamboli
Exit Load
NIL
Benchmark CRISIL Liquid Fund Index

32. Focusesoninvestingindebtsecuritiesand
moneymarketinstrumentssuchthatthe
MacaulayDurationoftheportfolioisbetween6
and12months.
Awell-diversifiedportfolioofdebt(including
securitiseddebt)andmoneymarketinstruments
Aimstogeneratereturnscommensuratewith
lowlevelsofinterestraterisk.
Theschemeisidealforthosewithaninvestment
horizonof3-6months.
32
$ Dedicated Fund Manager for Overseas Investments : Rakesh Vyas. Scheme Inception Date –November 18, 1999
For further details on investment strategy, asset allocation and scheme facts refer Scheme Information Document/ Key Information Memorandum.
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.
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
Investment
Objective
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$ Anupam Joshi
Exit Load
NIL
Benchmark CRISIL Liquid Fund Index

33. Focusesongeneratingregularincomeby
investingindebt&moneymarketinstruments
while
TheschemeaimstomaintainaMacaulay
Duration1to3years.
Thefocusisonreturnsthroughinterestaccruals
bybuildingarelativelyhigherqualitycredit
portfoliowithashortermaturityprofile.
Theschemeisidealforaninvestmenthorizonof
6-12months.
33
$ Dedicated Fund Manager for Overseas Investments : Rakesh Vyas. Scheme Inception Date : June 25, 2010
For further details on investment strategy, asset allocation and scheme facts refer Scheme Information Document/ Key Information Memorandum.
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
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 Manager$ Anil Bamboli
Exit Load
NIL
Benchmark CRISIL Short Term Bond Fund Index

34. Investsindebt,moneymarketandrelated
instrumentsofvariousmaturities
AttemptstomaintainaMacaulayDurationof
theportfoliobetween3to4yearsundernormal
circumstances.
TheFundfollowsadurationmanagement
strategybykeepingaclosewatchonvarious
domesticandglobalmacro-economicvariables.
Thefundisidealforthosewithaninvestment
horizonof6-12months.
34
$ Dedicated Fund Manager for Overseas Investments : Rakesh Vyas. Scheme Inception Date –February 06, 2002
For further details on investment strategy, asset allocation and scheme facts refer Scheme Information Document/ Key Information Memorandum.
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
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 Manager$ Shobhit Mehrotra
Exit Load
NIL
Benchmark CRISIL Short Term Bond Fund Index

35. Focusesongeneratingreturnsoveramediumto
longtermbyinvestingindebtsecuritiesand
moneymarketinstruments.
Thefundattemptstomaintainaportfolio
MacaulayDurationbetween4to7yearsunder
normalcircumstances.
TheFundfocusesonoptimizingreturnswhile
maintainingabalanceofsafety,yieldand
liquidity.
Theschemeisidealforthosewithan
investmenthorizonof12-18months.
35
$ Dedicated Fund Manager for Overseas Investments : Scheme Inception Date –September 11, 2000
For further details on investment strategy, asset allocation and scheme facts refer Scheme Information Document/ Key Information Memorandum.
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
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 Manager$ Shobhit Mehrotra
Exit Load
0.25% upto 1 month .
No exit load after 1 month
Benchmark CRISIL Composite Bond Fund Index

36. THEME BASED DEBT SCHEMES
AN OVERVIEW
36

37. Fundinvestsinsovereignsecuritiesissuedby
theCentralandStateGovernmentsinIndia
acrossmaturities,onthebasisofinterestrate
outlook.
Thefundfocusesonofferingcreditriskfree
returnsoveramediumtolongterm.
Global&Localmacroeconomicvariablessuchas
growth,inflation,currency&liquidityare
evaluatedtoarriveataninterestrateoutlook&
positiontheportfolioaccordingly.
Awellmanagedportfolioofsovereignsecurities
withatrackrecordofexistenceofover17years.
Theschemeisidealforthosewithan
investmenthorizonof12-18months.
37
$ Dedicated Fund Manager for Overseas Investments : Rakesh Vyas. Scheme Inception Date –July 25, 2001
For further details on investment strategy, asset allocation and scheme facts refer Scheme Information Document/ Key Information Memorandum.
HDFC Gilt Fund (Erstwhile HDFC Gilt Fund -Long Term Plan)
Key Facts
Type of Scheme
An open ended debt scheme
investing in government securities
across maturities
Category of
Scheme
Gilt Fund
Investment
Objective
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.
Fund Manager$ Anil Bamboli
Exit Load
NIL
Benchmark CRISIL Dynamic Gilt Index

38. HDFCBanking&PSUFundfocuseson
generatingregularincomebyinvesting
predominantly(aminimumof80%)indebt
securitiesissuedbyPublicSectorUndertakings
(PSUs),PublicFinancialInstitutions(PFIs),
bankingcompanies,andmunicipalbonds.
Thedefineduniverseofsecuritiesensures
relativelyhighcreditqualityoftheportfolio.
Benefitsfrominterestaccruals.
Theschemeisidealforthosewithan
investmenthorizonof6-12months.
38
$ Dedicated Fund Manager for Overseas Investments : Rakesh Vyas. Scheme Inception Date : March 26, 2014
For further details on investment strategy, asset allocation and scheme facts refer Scheme Information Document/ Key Information Memorandum.
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 SchemeBanking and PSU Fund
Investment
Objective
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.
Fund Manager$ Anil Bamboli
Exit Load NIL
Benchmark CRISIL Short Term Bond Fund Index

39. Fundfocusesongeneratinggenerateincomeby
investingpredominantly(minimum80%)in
corporatebondsratedAA+andaboveand
Developingawell-diversifiedportfolioofdebt
(includingsecuritiseddebt)andmoneymarket
instruments,withashorttomediumtermview.
Theschemefocusesonmaximisingincome
whilemaintaininganoptimalbalanceofyield,
safety,&liquidity.
Theschemeisidealforthosewithan
investmenthorizonof6-12months.
39
$ Dedicated Fund Manager for Overseas Investments : Rakesh Vyas. Scheme Inception Date : June 29, 2010
For further details on investment strategy, asset allocation and scheme facts refer Scheme Information Document/ Key Information Memorandum.
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 Scheme
An open ended debt scheme
predominantly investing in AA+ and
above rated corporate bonds.
Category of SchemeCorporate Bond Fund
Investment
Objective
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.
Fund Manager$ AnupamJoshi
Exit Load
NIL
Benchmark CRISIL Composite Bond Fund Index

40. Investspredominantlyinshorttermfloatingrate
debtsecurities,fixedratedebtinstruments
swappedforfloatingratereturns,&money
marketinstruments.
Currentlytheschemeispositionedatthe
shorterendoftheyieldcurve.
Theidealinvestmenthorizoninthisfundis3-6
months.
40
$ Dedicated Fund Manager for Overseas Investments : Rakesh Vyas. Scheme Inception Date –January 16, 2003
For further details on investment strategy, asset allocation and scheme facts refer Scheme Information Document/ Key Information Memorandum.
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 SchemeFloater Fund
Investment
Objective
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.
Fund Manager$ Shobhit Mehrotra
Exit Load
NIL
Benchmark CRISIL Liquid Fund Index

41. Focusesonreturnsandregularincomeby
investingpredominantlyinAAandbelowrated
corporatedebt
Investaminimumof65%intoadiversified
portfolioofdebtsecurities,withasratingofAA
andbelow(excludingAA+ratedbonds)
Whilecreditriskofsuchinstrumentsishigher,
thedisciplinedstrategyforcreditresearchgives
anadditionaledgetotheoveralldebtportfolio.
Lowerratedsecuritieshavehigherinterest
accruals
Theschemeisidealforaninvestmenthorizonof
over18months.
41$ Dedicated Fund Manager for Overseas Investments : Rakesh Vyas. Scheme Inception Date –March 25, 2014
For further details on investment strategy, asset allocation and scheme facts refer Scheme Information Document/ Key InformationMemorandum.
HDFC Credit Risk Debt Fund (Erstwhile HDFC Corporate Debt Opportunities Fund after merger of
HDFC Regular Savings Fund therein)
Key Facts
Type of Scheme
An open ended debt scheme predominantly
investing in AA and below rated corporate bonds
(excluding AA+ rated corporate bonds).
Category of Scheme Credit Risk Fund
Investment Objective
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.
Fund Manager$ Shobhit Mehrotra
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 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.
Benchmark CRISIL Short Term Bond Fund Index

42. Fundinvestsindebt,moneymarketandrelated
instrumentsacrossmaturitiesonthebasisof
theexpectedinterestrateoutlook.
Thefundfollowsanactiveduration
managementstrategy.Itmayalsotactically
changeallocationsbetweenGilt&otherdebt&
MoneyMarketInstruments..
Further,theFundlooksforopportunitiesacross
thecurvebothontheGILTaswellasthe
corporatebondmarketsinordertocapture
spreadmovements.
Theschemeisidealforthosewithan
investmenthorizonof12-18months.
42
$ Dedicated Fund Manager for Overseas Investments : Rakesh Vyas. Scheme Inception Date –April 28, 1997
For further details on investment strategy, asset allocation and scheme facts refer Scheme Information Document/ Key Information Memorandum.
HDFC Dynamic Debt Fund (Erstwhile HDFC High Interest Fund -Dynamic Plan)
Key Facts
Type of Scheme
An open ended dynamic debt Scheme
investing across duration
Category of
Scheme
Dynamic Bond Fund
Investment
Objective
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.
Fund Manager$ Anil Bamboli
Exit Load
0.50% for redemptions within 6
months .
No exit load after 6 months
Benchmark CRISIL Composite Bond Fund Index

43. SOLUTION ORIENTED SCHEMES
AN OVERVIEW
43

44. Longterminvestmentvehicletargeting
retirementcorpus
Choiceof3plans–Dependingonageandrisk
profiles
‒EquityPlan
‒HybridEquityPlan
‒HybridDebtPlan
Investmentsintheschemequalifyforbenefits
U/s80CoftheIncometaxAct,1961
Productofferingsacrossassetandrisk
categories
Enablinginvestorstoinvestinlinewiththeir
investmentobjectivesandrisktakingcapacity
44
$ Dedicated Fund Manager for Overseas Investments : Rakesh Vyas. Scheme Inception Date –February 25, 2016
For further details on investment strategy, asset allocation and scheme facts refer Scheme Information Document/ Key Information Memorandum.
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.
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 Scheme
An open ended retirement solution oriented
scheme having a lock-in of 5 years or till retirement
age (whichever is earlier)
Category of SchemeRetirement Fund
Investment
Objective
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 HybridComposite
Debt 65:35 Index
Hybrid-Debt Plan -NIFTY 50 Hybrid Composite
Debt 15:85 Index

45. Meantforallchildrenbelowtheageof18years
Healthyallocationtowardsequitieswhichisan
ideallong-termassetclasscoupledwithdebt
allocationwhichprovidesstablereturns
Personalaccidentinsuranceforparent/legal
guardianofuptoRs10lakhs*
InvestmentscanbemadeonalumpsumorSIP
basisandthereisnolimittothenumberof
transactionsinanygivenyear.Nomaximum
limitoninvestment
Easyhasslefreewithdrawaloptions
Benefitfromthelongtermpotentialofequity
whilemaintainingthestabilityofdebt
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.
For further details on investment strategy, asset allocation and scheme facts refer Scheme Information Document/ Key InformationMemorandum.
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.
HDFC Children’s Gift Fund
Key Facts
Type of Scheme
An 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
Investment
Objective
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
Fund Manager$ Chirag Setalvad
Exit Load
NIL
Benchmark NIFTY 50 Hybrid Composite Debt 65:35 Index

46. OTHER SCHEMES
AN OVERVIEW
46

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

48. 48
For further details on investment strategy, asset allocation and scheme facts refer Scheme Information Document/ Key InformationMemorandum
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
Investment
Objective
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 3days
No 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)

49. 49
For further details on investment strategy, asset allocation and scheme facts refer Scheme Information Document/ Key InformationMemorandum
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
Investment
Objective
Theinvestmentobjectiveof
HDFCNifty50ETFistogenerate
returnsthatarecommensurate
withtheperformanceofthe
NIFTY50Index,subjectto
trackingerror.Thereisno
assurancethattheinvestment
objectiveoftheschemewillbe
realized.
Theinvestmentobjectiveof
HDFCSENSEXETFistogenerate
returnsthatarecommensurate
withtheperformanceoftheS&P
BSESENSEXIndex,subjectto
trackingerror.Thereisno
assurancethattheinvestment
objectiveoftheSchemewillbe
realized.
Theinvestmentobjectiveofthe
Schemeistogeneratereturns
thatareinlinewiththe
performanceofgold,subjectto
trackingerrors.Thereisno
assurancethattheinvestment
objectiveoftheSchemewillbe
realized.
Fund
Manager$
Krishan Kumar Daga Krishan Kumar Daga Krishan Kumar Daga
Exit Load NIL NIL NIL
Benchmark
NIFTY 50 Index (Total Returns
Index)
S&P BSE SENSEX Index (Total
Returns Index)
Domestic Price of Physical Gold.

50. 50
For further details on investment strategy, asset allocation and scheme facts refer Scheme Information Document/ Key InformationMemorandum
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 SchemeFund of Fund (Domestic) Fund of Funds
Investment
Objective
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 months
1% after 6 Months but within 1 year
No exit load after 1 year
1 % for redemptions within 1 year
No exit load after 1year
Benchmark Domestic Price of Physical Gold. NIFTY 50 Hybrid Composite Debt 65:35 Index

51. PRODUCT LABELLING –EQUITY SCHEMES
Name of Scheme This product is suitable for investors who are seeking* Riskometer
HDFC Top100Fund
• 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 MidCap Opportunities
Fund
• To generate long-term capital appreciation/ income
• Investment predominantly in Mid-Cap companies
HDFC SmallCapFund
• To generate long-term capital appreciation/ income
• Investment predominantly in Small-Cap companies
HDFC GrowthOpportunities
Fund
• To generate long-term capital appreciation/ income
• Investment predominantly in LargeCap & 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
HDFCFocused 30Fund
• To generate long-term capital appreciation/ income
• Investment predominantly in equity & equity related instruments of upto 30
companies
HDFC TaxSaver Fund
• To generate long-term capital appreciation/ income
• Investment predominantly in equity & equity related instruments
HDFC Infrastructure Scheme
• To generate long-term capital appreciation/ income
• 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 athigh risk
* Investors should consult their financial advisers if in doubt about whether the product is suitable for them.
51

52. 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
Investors understand that their principal will be at
moderately high risk
HDFC EquitySavingsFund
• 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
• To generate long-term income /capital appreciation
• Investments in a diversified portfolio of equity & equity
related instruments, debt & money market instruments and
Gold
HDFC HybridEquityFund
• To generate long-term income /capital appreciation
• Investments predominantly in equity & equity related
instruments. The Scheme will also invest in debt and money
market instruments
HDFC BalancedAdvantage
Fund
• To generate long-term income /capital appreciation
• 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

53. PRODUCT LABELLING –DEBT SCHEMES CONTD..
Name of Scheme This product is suitable for investors who are seeking* Riskometer
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
HDFC UltraShort Term Fund
• Income over short term
• income/ capital appreciation throughinvestment in debt
securities and money market instruments.
Investors understand that their principal will
be at moderately low risk
HDFC MoneyMarketFund
• Income over short term
• To generate income/ capital appreciation by investing inmoney
market instruments.
HDFC Low Duration Fund
• Income over short term
• To generate income/ capital appreciation through investment in
debt securities and money market instruments.
HDFC ShortTerm Debt Fund
• Income over short term
• To generate income/ capital appreciation through investment in
debt and money market instruments.
HDFC CorporateBond 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
• Income over short term
• 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
* Investors should consult their financial advisers if in doubt about whether the product is suitable for them.
53

54. PRODUCT LABELLING –DEBT SCHEMES
Name of Scheme This product is suitable for investors who are seeking* Riskometer
HDFC Medium Term Debt
Fund
• Income over medium term
• To generate income/ capital appreciation by investments indebt
and money market instruments.
Investors understand that their principal will
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
• Creditrisk free returnsover 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 Bankingand PSU Debt
Fund
• Income over short to medium term
• 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
• Income over short to medium term
• To generate income / capital appreciation by investing
predominantly in AA and below rated corporate debt (excluding
AA+ rated corporate bonds)
HDFC DynamicDebt Fund
• Income over medium to long term
• To generate income/ capital appreciation by investing in a range of
debt and money market instruments
* Investors should consult their financial advisers if in doubt about whether the product is suitable for them.
54

55. PRODUCT LABELLING
Name of Scheme This product is suitable for investors who are seeking* Riskometer
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
Investors understand that their principal will be at
moderately high risk
HDFC Retirement
Savings Fund –
Hybrid 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 &
balance in debt and money market instruments.
HDFC Retirement
Savings Fund –
Hybrid Debt 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 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

56. PRODUCT LABELLING
Name of Scheme This product is suitable for investors who are seeking* Riskometer
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
Investors understand that their principal will be at
moderately high risk
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 GoldExchange
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
• Capitalappreciationover long term
• 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
• Capital appreciation over long term
• 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

57. DISCLAIMER
Thispresentationdated12
th
October2018hasbeenpreparedbyHDFCAssetManagementCompanyLimited(HDFC
AMC)basedoninternaldata,publiclyavailableinformationandothersourcesbelievedtobereliable.Anycalculationsmade
areapproximations,meantasguidelinesonly,whichyoumustconfirmbeforerelyingonthem.Theinformationcontainedin
thisdocumentisforgeneralpurposesonly.Thedocumentisgiveninsummaryformanddoesnotpurporttobecomplete.
Thedocumentdoesnothaveregardtospecificinvestmentobjectives,financialsituationandtheparticularneedsofany
specificpersonwhomayreceivethisdocument.Theinformation/datahereinalonearenotsufficientandshouldnotbeused
forthedevelopmentorimplementationofaninvestmentstrategy.Thestatementscontainedhereinarebasedonour
currentviewsandinvolveknownandunknownrisksanduncertaintiesthatcouldcauseactualresults,performanceorevents
todiffermateriallyfromthoseexpressedorimpliedinsuchstatements.Pastperformancemayormaynotbesustainedin
future.NeitherHDFCAMCandHDFCMutualFundnoranypersonconnectedwiththem,acceptsanyliabilityarisingfrom
theuseofthisdocument.Therecipient(s)beforeactingonanyinformationhereinshouldmakehis/her/theirown
investigationandseekappropriateprofessionaladviceandshallalonebefullyresponsible/liableforanydecisiontakenon
thebasisofinformationcontainedherein.
Mutual fund investments are subject to market risks, read all scheme related
documents carefully.
57