{"id":17163,"date":"2019-11-26T16:49:48","date_gmt":"2019-11-26T11:19:48","guid":{"rendered":"https:\/\/www.fundsindia.com\/blog\/?p=17163"},"modified":"2019-12-18T13:41:22","modified_gmt":"2019-12-18T08:11:22","slug":"fundsindia-recommends-hdfc-short-term-debt-2","status":"publish","type":"post","link":"https:\/\/www.fundsindia.com\/blog\/mf-research\/fundsindia-recommends-hdfc-short-term-debt-2\/17163","title":{"rendered":"FundsIndia Recommends: HDFC Short Term Debt"},"content":{"rendered":"<div class=\"list-content\">\n<b>What<\/b><\/p>\n<ul>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">A high quality, short-duration, low-risk <a href=\"https:\/\/www.fundsindia.com\/debt-funds.html\">debt fund<\/a><\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Over 90% of investment in instruments with credit rating of AAA+ &amp; Equivalent<\/span><\/li>\n<\/ul>\n<p><b>Why<\/b><\/p>\n<ul>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Delivers reasonable returns with low-risk papers\u00a0<\/span><\/li>\n<\/ul>\n<p><b>Who<\/b><\/p>\n<ul>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Investors looking for FD-plus returns<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Willing to hold for 2-3 years or more<\/span><\/li>\n<\/ul>\n<\/div>\n<h4><b>A reasonably large sized fund..<\/b><\/h4>\n<p><span style=\"font-weight: 400;\">The fund maintains a reasonable AUM size around 8,974 crore.<\/span><\/p>\n<h4><b>Positioned for the short term (2-3 years)..<\/b><\/h4>\n<p><span style=\"font-weight: 400;\">The fund is suitable for investors looking to hold for a minimum of 2-3 years timeline with high credit quality and low volatility in returns.<\/span><\/p>\n<h4><b>With portfolio yields comfortably above inflation..<\/b><\/h4>\n<p><span style=\"font-weight: 400;\">The fund currently runs a YTM of 7.0%, which is a representation of the aggregate interest rate at which the fund lends to different companies (or the government). The Expense Ratio of the fund is the lowest in its category at 0.4%, compared to the category average of 1.1%.<\/span><\/p>\n<div class=\"blog-highlight\" style=\"clear: both; background: #ff6600; border: none; width: 60%; text-align: center; box-shadow: 0 5px 5px rgba(0, 0, 0, 0.5);\"><a style=\"text-decoration: none;\" href=\" https:\/\/www.fundsindia.com\/content\/jsp\/investor\/MFBuy.do?actn=add&amp;SchemeExplorer=T&amp;method=showScreen&amp;bSchmId=11925&amp;from=main&amp;schemeId=11925&amp;?utm_source=blog&amp;utm_medium=referral\" target=\"_blank\" rel=\"noopener\"> <span style=\"color: #fff; font-weight: bold;\">Invest in HDFC Short Term Debt Now! <\/span><\/a><\/div>\n<h4><b>Prioritizing safety and high credit quality..<\/b><\/h4>\n<p><span style=\"font-weight: 400;\">The fund has high credit quality with allocation to highest rated papers (AAA &amp; Equivalent) at 92%. The remaining 8% has been invested in companies with rating AA and below.<\/span><\/p>\n<a href=\"https:\/\/www.fundsindia.com\/blog\/wp-content\/uploads\/2019\/11\/1-1.png\"><img loading=\"lazy\" class=\"alignnone size-full wp-image-17166\" src=\"https:\/\/www.fundsindia.com\/blog\/wp-content\/uploads\/2019\/11\/1-1.png\" alt=\"\" width=\"309\" height=\"335\" srcset=\"https:\/\/www.fundsindia.com\/blog\/wp-content\/uploads\/2019\/11\/1-1.png 309w, https:\/\/www.fundsindia.com\/blog\/wp-content\/uploads\/2019\/11\/1-1-277x300.png 277w\" sizes=\"(max-width: 309px) 100vw, 309px\" \/><\/a>\n<p><span style=\"font-weight: 400;\">The list of non-AAA instruments that the fund has exposure to is given below.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">The fact is that &#8211; most of the non-AAA rated exposure of the fund is owned either by the Government or by large and well-established groups such as Tata, Aditya Birla Group and Vedanta &#8211; is a reflection of the high credit quality focus of the fund.<\/span><\/p>\n\n<table id=\"tablepress-152\" class=\"tablepress tablepress-id-152\">\n<thead>\n<tr class=\"row-1 odd\">\n\t<th colspan=\"2\" class=\"column-1\">Exposure to non-AAA Rated Instruments (as on 31-Oct-19)<\/th>\n<\/tr>\n<\/thead>\n<tbody class=\"row-hover\">\n<tr class=\"row-2 even\">\n\t<td class=\"column-1\">AA+ &amp; Equivalent <\/td><td class=\"column-2\">CANFIN Homes Ltd. (subsidiary of Canara Bank) (0.4%)<\/td>\n<\/tr>\n<tr class=\"row-3 odd\">\n\t<td class=\"column-1\"><br \/>\nAA<\/td><td class=\"column-2\">Vedanta Ltd. (1.3%)<br \/>\nHindalco Industries Ltd. (subsidiary of Aditya Birla Group) (0.5%)<br \/>\nShriram City Union Finance (0.5%)<br \/>\n<\/td>\n<\/tr>\n<tr class=\"row-4 even\">\n\t<td class=\"column-1\"><br \/>\n<br \/>\nBelow AA<\/td><td class=\"column-2\">Coastal Gujarat Power Ltd. (subsidiary of Tata Power) (2.5%)<br \/>\nTata Motors Ltd. (1.1%)<br \/>\nTalwandi Sabo Power Ltd. (subsidiary of Vedanta Limited) (0.6%)<br \/>\nTMF Holdings Ltd. (subsidiary of Tata Motor) (0.6%)<br \/>\nBank of Baroda (0.2%)<br \/>\nHazaribagh Ranchi Expressway Ltd. (0.1%)<br \/>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<!-- #tablepress-152 from cache -->\n<h4><b>Adequately diversified..<\/b><\/h4>\n<p><span style=\"font-weight: 400;\">The top 10 investments of the fund can be seen from the table below. From a concentration point of view, the risk is well managed as all exposures above 5% are either into PSUs promoted by the government or strong groups such as HDFC.<\/span><\/p>\n\n<table id=\"tablepress-154\" class=\"tablepress tablepress-id-154\">\n<thead>\n<tr class=\"row-1 odd\">\n\t<th class=\"column-1\">Exposure of Top 10 Instruments (as on 31-Oct-19)<\/th><th class=\"column-2\">% of NAV<\/th>\n<\/tr>\n<\/thead>\n<tbody class=\"row-hover\">\n<tr class=\"row-2 even\">\n\t<td class=\"column-1\">Power Finance Corporation Ltd.<\/td><td class=\"column-2\">8.0<\/td>\n<\/tr>\n<tr class=\"row-3 odd\">\n\t<td class=\"column-1\">REC LTD.<\/td><td class=\"column-2\">7.1<\/td>\n<\/tr>\n<tr class=\"row-4 even\">\n\t<td class=\"column-1\">Housing Development Finance Corporation Ltd.<\/td><td class=\"column-2\">6.9<\/td>\n<\/tr>\n<tr class=\"row-5 odd\">\n\t<td class=\"column-1\">NABARD<\/td><td class=\"column-2\">6.7<\/td>\n<\/tr>\n<tr class=\"row-6 even\">\n\t<td class=\"column-1\">Tata Capital Financial Services Ltd.<\/td><td class=\"column-2\">4.8<\/td>\n<\/tr>\n<tr class=\"row-7 odd\">\n\t<td class=\"column-1\">Reliance Jio Infocomm Ltd.<\/td><td class=\"column-2\">4.5<\/td>\n<\/tr>\n<tr class=\"row-8 even\">\n\t<td class=\"column-1\">LIC Housing Finance Ltd.<\/td><td class=\"column-2\">4.4<\/td>\n<\/tr>\n<tr class=\"row-9 odd\">\n\t<td class=\"column-1\">Reliance Industries Ltd.<\/td><td class=\"column-2\">4.2<\/td>\n<\/tr>\n<tr class=\"row-10 even\">\n\t<td class=\"column-1\">State Bank of India<\/td><td class=\"column-2\">4.1<\/td>\n<\/tr>\n<tr class=\"row-11 odd\">\n\t<td class=\"column-1\">Housing &amp; Urban Development Corporation Ltd.<\/td><td class=\"column-2\">3.6<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<!-- #tablepress-154 from cache -->\n<h4><b>With controlled duration (1-3 years) to benefit from interest rate movement..<\/b><\/h4>\n<p><span style=\"font-weight: 400;\">The fund usually manages its modified duration between 1 to 3 years to take advantage of interest rate movements\u00a0<\/span><\/p>\n<ul>\n<li><b>Average Maturity &#8211; 2.7 years<\/b><\/li>\n<li><b>Modified Duration &#8211; 2.1 years<\/b><\/li>\n<\/ul>\n<h4><b>Solid track record of consistent performance..<\/b><\/h4>\n\n<table id=\"tablepress-156\" class=\"tablepress tablepress-id-156\">\n<thead>\n<tr class=\"row-1 odd\">\n\t<th class=\"column-1\">Returns as on Nov 22, 2019<\/th><th class=\"column-2\">1 Yr<\/th><th class=\"column-3\">3 Yr<\/th><th class=\"column-4\">5 Yr<\/th>\n<\/tr>\n<\/thead>\n<tbody class=\"row-hover\">\n<tr class=\"row-2 even\">\n\t<td class=\"column-1\">HDFC Short Term Debt Fund<\/td><td class=\"column-2\">10.4%<\/td><td class=\"column-3\">7.6%<\/td><td class=\"column-4\">8.3%<\/td>\n<\/tr>\n<tr class=\"row-3 odd\">\n\t<td class=\"column-1\">Category Average<\/td><td class=\"column-2\">5.6%<\/td><td class=\"column-3\">5.3%<\/td><td class=\"column-4\">6.7%<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<!-- #tablepress-156 from cache -->\n<a href=\"https:\/\/www.fundsindia.com\/blog\/wp-content\/uploads\/2019\/11\/4-1.png\"><img loading=\"lazy\" class=\"alignnone size-full wp-image-17186\" src=\"https:\/\/www.fundsindia.com\/blog\/wp-content\/uploads\/2019\/11\/4-1.png\" alt=\"\" width=\"557\" height=\"233\" srcset=\"https:\/\/www.fundsindia.com\/blog\/wp-content\/uploads\/2019\/11\/4-1.png 557w, https:\/\/www.fundsindia.com\/blog\/wp-content\/uploads\/2019\/11\/4-1-300x125.png 300w\" sizes=\"(max-width: 557px) 100vw, 557px\" \/><\/a>\n<p><span style=\"font-weight: 400;\">The fund despite taking lower risk has outperformed its peers consistently on a 3-year rolling returns basis.<\/span><\/p>\n<h4><b>With lower risks and volatility..<\/b><\/h4>\n<a href=\"https:\/\/www.fundsindia.com\/blog\/wp-content\/uploads\/2019\/11\/3-1.png\"><img loading=\"lazy\" class=\"alignnone size-full wp-image-17177\" src=\"https:\/\/www.fundsindia.com\/blog\/wp-content\/uploads\/2019\/11\/3-1.png\" alt=\"\" width=\"576\" height=\"183\" srcset=\"https:\/\/www.fundsindia.com\/blog\/wp-content\/uploads\/2019\/11\/3-1.png 576w, https:\/\/www.fundsindia.com\/blog\/wp-content\/uploads\/2019\/11\/3-1-300x95.png 300w\" sizes=\"(max-width: 576px) 100vw, 576px\" \/><\/a>\n<p><span style=\"font-weight: 400;\">As seen above the fund\u2019s NAV movement has been stable with <\/span><span style=\"font-weight: 400;\">low volatility &#8211; reflecting the high credit quality and controlled duration.<\/span><\/p>\n<h4><b>Backed by an experienced fund management team and reputed fund house..<\/b><\/h4>\n<p><span style=\"font-weight: 400;\">HDFC AMC is one of the largest fixed-income investment managers in India and has a long proven track record of performance in the high quality, low duration space.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">The presence of a stable fund management team with long-standing fund manager Mr. Anil Bamboli (managing the fund since inception for the last 9 years) strengthens our conviction of the fund\u2019s future prospects.\u00a0<\/span><\/p>\n<h4><b>Summing it up<\/b><\/h4>\n<p><b>HDFC Short term fund<\/b><span style=\"font-weight: 400;\"> can be considered by investors looking for <\/span><b>\u201creturns above FD\u201d <\/b><span style=\"font-weight: 400;\">with a <\/span><b>minimum time frame<\/b><span style=\"font-weight: 400;\"> of<\/span><b> 2-3 years<\/b><span style=\"font-weight: 400;\">.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">We like the fund for its<\/span><b> large size, high credit quality, diversified portfolio, consistent performance track record with low risk and experienced fund management team.<\/b><\/p>\n<p>Note:\u00a0<i><span style=\"font-weight: 400;\">Allocation &amp; maturity is based on the current market conditions and is subject to changes depending on the fund manager\u2019s view of the markets. The portfolio details are as on date Oct 31, 2019.<\/span><\/i><\/p>\n<p>&nbsp;<\/p>\n<div style=\"width: 90%; margin: auto;\">\n<div style=\"float: left; background: #ff6600; border-radius: 5px; padding: 10px; width: 40%; border: none; text-align: center; box-shadow: 0 5px 5px rgba(0, 0, 0, 0.5);\"><a style=\"text-decoration: none;\" href=\"https:\/\/www.fundsindia.com\/content\/jsp\/investor\/MFBuy.do?actn=add&amp;SchemeExplorer=T&amp;method=showScreen&amp;bSchmId=11925&amp;from=main&amp;schemeId=11925&amp;?utm_source=blog&amp;utm_medium=referral\" target=\"_blank\" rel=\"noopener\"> <span style=\"color: #fff; font-weight: bold;\">Invest in HDFC Short Term Debt Now! <\/span><\/a><\/div>\n<div style=\"float: right; background: #ff6600; width: 40%; padding: 10px; border-radius: 5px; border: none; text-align: center; box-shadow: 0 5px 5px rgba(0, 0, 0, 0.5);\"><a style=\"text-decoration: none;\" href=\"https:\/\/www.fundsindia.com\/content\/jsp\/advisor\/AdvisorAppointmentAction.do?utm_source=blog&amp;utm_medium=referral\" target=\"_blank\" rel=\"noopener\"> <span style=\"color: #fff; font-weight: bold;\">Talk to an Advisor <\/span><\/a><\/div>\n<\/div>\n<p>&nbsp;<\/p>\n","protected":false},"excerpt":{"rendered":"<p>A reasonably large sized fund.. The fund maintains a reasonable AUM size around 8,974 crore. Positioned for the short term (2-3 years).. The fund is suitable for investors looking to hold for a minimum of 2-3 years timeline with high credit quality and low volatility in returns. With portfolio yields comfortably above inflation.. The fund [&hellip;]<\/p>\n","protected":false},"author":18,"featured_media":17180,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":[],"categories":[506,6,72],"tags":[187,209,23,138,517,289,273,148,36,516,325],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v17.3 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>FundsIndia Recommends: HDFC Short Term Debt<\/title>\n<meta name=\"description\" content=\"A high quality, short-duration, low-risk debt fund with over 90% of investment in instruments with credit rating of AAA+ &amp; Equivalent.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/fundsindia.com\/blog\/mf-research\/fundsindia-recommends-hdfc-short-term-debt-2\/17163\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta 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