HDFC Mutual Fund is a solution-oriented hybrid mutual fund designed to help parents build long-term wealth for their child’s education and marriage goals. The scheme follows a balanced equity, debt allocation and comes with a mandatory lock-in period to encourage disciplined investing.
📌 Fund Overview
| Fund Name | HDFC Children’s Fund – Regular Plan |
| Fund House | HDFC Mutual Fund |
| Category | Solution Oriented – Children’s Fund (Hybrid) |
| Launch Date | 02 March 2001 |
| Benchmark | NIFTY 50 Hybrid Composite Debt 65:35 Index |
| Risk Level | Very High |
| Lock-in Period | 5 Years or till child attains majority |
| Expense Ratio | Approx 1.70% – 1.80% (Regular) |
💰 Latest NAV & AUM (2026)
- NAV: Approx ₹290 – ₹292
- AUM: Approx ₹10,300 – ₹10,600 Crore
👉 Want to compare this with other child funds?
Link internally to: Best Mutual Funds for Child Education in India
💸 Minimum Investment
| Lump Sum | ₹100 |
| SIP | ₹100 per month |
| Additional Purchase | ₹100 |
| SWP Minimum | ₹100 |
New to SIP? Internally link here:
SIP vs Lump Sum – Which is Better for Long Term?
📊 Fund Allocation
Asset Allocation
- Equity & Equity Related: 65% – 80%
- Debt & Money Market: 20% – 35%
- Cash & Equivalents: 4% – 6%
Learn more about portfolio strategy →
What is an Aggressive Hybrid Mutual Fund?
Top Holdings (Indicative)
- HDFC Bank
- ICICI Bank
- Reliance Industries
- Larsen & Toubro
- State Bank of India
- Government Securities
📈 Historical Returns (Annualised)
| Period | Approx Returns |
|---|---|
| 1 Year | ~3% – 7% |
| 3 Years | ~13% – 15% |
| 5 Years | ~14% – 17% |
| 10 Years | ~13% – 14.5% |
| Since Inception | ~15% – 16% CAGR |
Understand performance metrics →
How CAGR is Calculated in Mutual Funds
📊 Want to calculate your future corpus?
Use our SIP Calculator Tool here →
📊 Peer Comparison – Children / Hybrid Funds
| Fund Name | AUM (Cr) | 3Y Return | 5Y Return |
|---|---|---|---|
| HDFC Children’s Fund – Regular | ~10,600 | ~14% | ~14% |
| SBI Children’s Fund – Investment Plan | ~5,000+ | ~22%+ | ~25%+ |
| ICICI Prudential Child Care Fund | ~1,300+ | ~18%+ | ~14–15% |
| UTI Children’s Hybrid Fund | ~4,400+ | ~9–10% | ~9% |
Detailed review available internally:
• ICICI Child Care Fund Analysis
• UTI Children’s Hybrid Fund Review
🎯 Investment Objective
The fund aims to generate long-term capital appreciation and income through a diversified portfolio of equity and debt instruments to support children’s future financial needs.
❓ FAQs
1. Is there a lock-in?
Yes, 5 years or until the child turns 18.
2. Is it suitable for SIP?
Yes, SIP starts from ₹100 per month.
3. Can I redeem before 5 years?
No, redemption before lock-in is not permitted.
4. What about taxation?
- Equity portion: 10% LTCG above ₹1 lakh/year.
- Debt portion: Taxed as per prevailing rules.
5. Who should invest?
- Parents planning education corpus
- Investors with 5+ year horizon
- Moderate to high risk investors
📌 Final Verdict
HDFC Children’s Fund – Regular Plan offers a disciplined hybrid strategy
for long-term child goal planning. With a strong AUM base and consistent
long-term CAGR, it remains a stable option among children-focused mutual funds.
🚀 Ready to start investing?
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Disclaimer: Mutual fund investments are subject to market risks.
Read all scheme-related documents carefully before investing.
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