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Best HDFC Mutual Funds: Performance and Returns in 2025

  


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

 

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.



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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