Best Performing HDFC Equity Mutual Funds – Kuvera

HDFC Equity Mutual Funds

HDFC Mutual Fund, one of India’s major mutual fund organizations, they manage 4.00 trillion in assets, making HDFC utual Funds one of the largest mutual fund managers in India. In 1999, Housing Development Finance Corporation Limited (“HDFC”) and Abrdn Investment Management Limited formed the AMC as a joint venture (erstwhile known as Standard Life Investments Limited). During FY18-19, we conducted an initial public offering, and in August 2018 we became a publicly traded company. Its largest shareholders are HDFC and Abrdn Investment Management Limited, who own 52.6% and 10.2% of the company, respectively. HDFC Asset Management Company (“HDFC AMC”) serves as the investment manager for HDFC Mutual Fund (“HDFC MF”) schemes.

How to invest in HDFC Mutual Funds?

You can invest in HDFC Equity Mutual Funds schemes in one of three ways.

1. Through the website of HDFC Mutual Fund
2.  Via a distributor.
3. Through Kuvera 

• If you wish to invest via the HDFC Mutual Fund website, you must register and create an account. Then, adhere to the subsequent instructions.

• Signing up with each fund house can be a bother, though, if you invest in many mutual funds from different AMCs. It would also be difficult to monitor and evaluate your assets.

• If you do the same thing through a distributor, however, your expenditure ratio will be higher, and your returns will be lower. Through the Kuvera platform, investing in plans from HDFC Mutual Funds or any other fund house is significantly easier, more efficient, and more effective.

You can invest in direct mutual funds through Kuvera and avoid paying commissions. It is the best platform to invest in mutual funds as it is 100% free and helps you find the right investment for your life goals

To invest in mutual funds via Kuvera, follow the given steps:

Step 1: Sign up at Kuvera.in 

Step 2: Complete the KYC requirements and link your bank account.

Step 3: Click on MF in the Explore section to choose mutual funds for investment. 

You only need to register once to begin investing in plans from several AMCs. Since Kuvera is a direct investment platform, you may choose from a variety of HDFC Equity Mutual Funds schemes, and at a lower expense ratio. Kuvera also allows you to track your existing portfolio. You can view your old and new investments in a single location, making it much easier to keep track of them and make more educated decisions.

In addition to the aforementioned, the Kuvera investment platform provides more vital information, such as the fund’s past performance, returns consistency, downside protection, fund history, expense ratio, and exit load, amongst others.

List of Top HDFC equity mutual funds in India (as per 5-year return)

Source: AMFI (data as of 05/12/2022)

Closer Look at Top HDFC Equity Mutual Funds

HDFC Small Cap Fund

• HDFC Mutual Fund’s HDFC Small Cap Fund Direct-Growth is a Small Cap mutual fund. This fund has existed for nine years and eleven months, having been established on January 1, 2013. As of 5th November 2022, HDFC Small Cap Fund Direct- Growth has 14,846.46 Crores in assets under management (AUM) and is a medium-sized fund within its category. The expense ratio of 0.82 percent is comparable to that of the majority of other Small Cap funds.
• The growth returns of the HDFC Small Cap Fund Direct during the past year were 11.68 percent. Since its inception, it has generated average yearly returns of 19.09%. Every three years, the fund has doubled the money invested in it.
• The ability of the HDFC Small Cap Fund Direct- Growth scheme to consistently generate returns is comparable to that of the majority of funds in its category. 
• The majority of the fund’s assets are allocated to the Services, Capital Goods, Financial, Chemicals, and Automobiles sectors. It has less exposure to the Services and Capital Goods sectors than other funds in the same category.
• Bajaj Electricals Ltd., Bank Of Baroda, Sonata Software Ltd., Firstsource Solutions Ltd., and Aster DM Healthcare Ltd..e Company Ltd. are the top five holdings of the fund.

HDFC Flexi Cap Fund

• HDFC Mutual Fund’s HDFC Flexi Cap Direct Plan-Growth is a flexi Cap mutual fund. This fund has existed for nine years and eleven months, having been established on January 1, 2013. As of 5th November 2022, the HDFC Flexi Cap Direct Plan-Growth has 32,870.85 Crores in assets under management (AUM) and is a medium-sized fund within its category. The fund’s expense ratio of 1.04% is greater than that of the majority of other Multi Cap funds.
• The returns on the HDFC Flexi Cap Direct Plan-Growth during the past year were 22.85%. Since its inception, it has generated average yearly returns of 15.79%. Every three years, the fund has doubled the money invested in it.
• The ability of the HDFC Flexi Cap Direct Plan-Growth scheme to consistently generate returns is comparable to that of the majority of funds in its category. It has above-average capacity to limit losses in a sinking market.
• The majority of the fund’s assets are invested in the Financial, Technology, Energy, Capital Goods, and Materials industries. It has less exposure to the Financial and Technology sectors than other funds in the same category.
• ICICI Bank Ltd., State Bank of India, Infosys Ltd., HDFC Bank Ltd., and National Thermal Power Corp. Ltd. are the top five holdings of the fund.

HDFC Large & Mid Cap Fund

• HDFC Large and Mid Cap Fund Direct- Growth is a Large & MidCap mutual fund program offered by HDFC Equity Mutual Fund. This fund has existed for nine years and eleven months, having been established on January 1, 2013. As of 5th December 2022, HDFC Large and Mid Cap Fund Direct- Growth has 7,980.47 Crores in assets under management (AUM) and is a medium-sized fund within its category. The fund’s expense ratio of 1.18 percent is greater than the expense ratios of most other Large & Midcap funds.
• The growth returns of the HDFC Large and Mid Cap Fund Direct during the past year were 12.38%. Since its inception, it has generated average yearly returns of 12.39%. Every three years, the fund has doubled the money invested in it.
• The ability of the HDFC Large and Mid Cap Fund Direct- Growth scheme to consistently generate returns is comparable to that of the majority of funds in its category. It has above-average capacity to limit losses in a sinking market.
• The majority of the fund’s assets are invested in the Financial, Automobile, Services, Energy, and Technology industries. It has less exposure to the Financial and Automotive sectors than other funds in its category.
• HDFC Bank Ltd., ICICI Bank Ltd., Infosys Ltd., State Bank of India, and Reliance Industries Ltd. are the top five holdings of the fund.

HDFC Mid-Cap Opportunities Fund

• Hdfc Equity Mutual Funds – HDFC Mid-Cap Opportunities Direct Plan-Growth is a Mid Cap mutual fund scheme. This fund has existed for nine years and eleven months, having been established on January 1, 2013. As of 5th December, 2022, the HDFC Mid-Cap Opportunities Direct Plan-Growth has 36,606.84 Crores in assets under management (AUM) and is a medium-sized fund within its category. The fund’s expense ratio of 0.96 percent is greater than that of the majority of other Mid Cap funds.
• The one-year returns for the HDFC Mid-Cap Opportunities Direct Plan-Growth were 16.72%. Since its inception, it has generated average yearly returns of 19.89%. Every three years, the fund has doubled the money invested in it.
• The ability of the HDFC Mid-Cap Opportunities Fund Direct Plan-Growth scheme to consistently generate returns is comparable to that of the majority of funds in its category. Average is its capacity to control losses in a sinking market.
• The majority of the fund’s assets are invested in the Financial, Capital Goods, Services, Healthcare, and Chemicals industries. It has less exposure to the Financial and Capital Goods sectors than other funds in the same category.
• Indian Hotels Co. Ltd., Max Healthcare Institute Ltd., Bharat Electronics Ltd., Hindustan Aerospace Ltd., and Cholamandalam Investment and Finance Company Ltd. are the top five holdings of the fund.

HDFC Top 100 Fund

• HDFC Top 100 Fund Direct Plan-Growth is a Large Cap mutual fund scheme. This fund has been in operation for 9 yrs 11 m, having been launched on 01/01/2013. HDFC Top 100 Fund Direct Plan-Growth has ₹23,396.50 Crores worth of assets under management (AUM) as on 05/12/2022 and is medium-sized fund in its category. The fund has an expense ratio of 1.17%, which is greater than what most other Large Cap funds charge.
• HDFC Top 100 Fund Direct Plan-Growth returns of recent 1-year are 15.19%. Since debut, it has provided 13.77% average yearly returns. The fund has quadrupled the money put in it every 3 yrs.
• HDFC Top 100 Fund Direct Plan-Growth scheme’s ability to provide returns regularly is in-line with other funds of its category. Its capacity to control losses in a sinking market is below average.
• The fund has the majority of its money invested in Financial, Energy, Technology, Consumer Staples, Materials sectors. It has taken less exposure in Financial, Energy sectors compared to other funds in the category.
• The fund’s top 5 holdings are in ICICI Bank Ltd., HDFC Bank Ltd., Reliance Industries Ltd., Infosys Ltd., Housing Development Finance Corporation Ltd.

HDFC Focused 30 Fund

• HDFC Mutual Fund’s HDFC Focused 30 Fund Direct Plan-Growth is a Focused mutual fund scheme. This fund has existed for nine years and eleven months, having been established on January 1, 2013. As of 5th December 2022, the HDFC Focused 30 Fund Direct Plan-Growth has 3,024.70 Crores in assets under management (AUM) and is a medium-sized fund within its category. The expense ratio of 0.85% is comparable to that of the majority of other Focused funds.
• The 1-year returns on the HDFC Focused 30 Fund Direct Plan-Growth were 25.23 percent. Since its inception, it has generated average annual returns of 14.25%. Every three years, the fund has doubled the money invested in it.
• The ability of the HDFC Focused 30 Fund Direct Plan-Growth scheme to consistently generate returns is comparable to that of the majority of funds in its category. It has above-average capacity to limit losses in a sinking market.
• The majority of the fund’s assets are invested in the Financial, Automobile, Technology, Healthcare, and Energy industries. It has less exposure to the Financial and Automotive sectors than other funds in its category.
• ICICI Bank Ltd., HDFC Bank Ltd., State Bank of India, National Thermal Power Corp. Ltd., and Bharti Airtel Ltd. are the top five holdings of the fund.

HDFC Capital Builder Value Fund

• HDFC Mutual Fund’s HDFC Capital Builder Value Fund Direct Plan-Growth is a Value Oriented mutual fund program. This fund has existed for nine years and eleven months, having been established on January 1, 2013. As of 5th December 2022, the HDFC Capital Builder Value Fund Direct Plan-Growth has 5,757.67 Crores in assets under management (AUM) and is a medium-sized fund within its category. Its expense ratio of 1.02% is comparable to that of the majority of other Value-Oriented funds.
• The one-year returns for the HDFC Capital Builder Value Fund Direct Plan-Growth were 10.46%. Since its inception, it has generated average annual returns of 15.98%. Every three years, the fund has doubled the money invested in it.
• The ability of the HDFC Capital Builder Value Fund Direct Plan-Growth scheme to consistently generate returns is comparable to that of the majority of funds in its category. It has a below-average capacity to control losses in a sinking market.
• The majority of the fund’s assets are invested in the Financial, Technology, Healthcare, Consumer Staples, and Construction industries. It has less exposure to the Financial and Technology sectors than other funds in the same category.
• ICICI Bank Ltd., Infosys Ltd., HDFC Bank Ltd., Axis Bank Ltd., and State Bank of India are the top five holdings of the fund.

HDFC Taxsaver Fund

• Hdfc equity Mutual Funds HDFC Taxsaver Direct Plan-Growth is an ELSS mutual fund program. This fund has existed for nine years and eleven months, having been established on January 1, 2013. As of 5th December 2022, the HDFC Taxsaver Direct Plan-Growth has 10,066 Crores in assets under management (AUM) and is a medium-sized fund within its category. This fund has a higher expense ratio than the majority of other Elss funds, at 1.24 percent.
• The returns on the HDFC Taxsaver Direct Plan-Growth during the past year were 15.95%. Since its inception, it has generated average annual returns of 13.92%. Every three years, the fund has doubled the money invested in it.
• The ability of the HDFC Taxsaver Direct Plan-Growth scheme to consistently generate returns is comparable to that of the majority of funds in its category. 
• The majority of the fund’s assets are invested in the Financial, Technology, Automobile, Energy, and Healthcare industries. It has less exposure to the Financial and Technology sectors than other funds in the same category.
• ICICI Bank Ltd., HDFC Bank Ltd., State Bank of India, Bharti Airtel Ltd., and Hindustan Aerospace Ltd. are the top five holdings of the fund.

Conclusion

Equity funds are the only mutual funds with the potential to earn multi-fold returns useful for accumulating a sufficient wealth reserve over time. You have access to numerous equity funds for all of your long-term financial goals, such as retirement, children education, etc.

Typically, if you wish to build your wealth while minimizing your tax liability, you can invest in equity mutual funds. However, keep in mind that these investments require a longer time horizon, and you should have at least five years, and preferably seven or more, to maximize the return on your investments.

However, it carries a certain amount of risk, but the accompanying rewards make it risk-worthy. Moreover, the risks associated with investing in the finest equities mutual funds are relatively better controlled compared to direct investment in stocks and equity related instruments. 

FAQ

• How are equity funds taxed?

Short-term capital gains are those realized on investments held for less than one year and are taxed at a rate of 15%. Consequently, capital gains resulting from a holding duration longer than one year are referred to as long-term capital gains. Over Rs. 1 lakh, long-term capital gains are taxed at a rate of 10%, with no indexation advantage.

• How to beat inflation by investing in equity funds?

Historical data suggests that equities mutual funds have at least outpaced inflation. In other words, your returns can offset the effects of inflation and market growth. In contrast, conservative investment alternatives such as recurring and fixed deposits give a rate of return that is nearly insignificant when inflation is taken into account.

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