HDFC Ultra Short to Short Term Fund - Regular Plan - Growth Option

Debt · Ultra Short to Short Term Fund · Regular · Growth

Regular TER: 1.05% · as of

5-year NAV · change the window using the controls in the rolling-returns card below ↓

2021-10-25 → 2026-10-21

min ₹46.17 change +34.2% max ₹62.02

Latest NAV

₹61.9671

as of 2026-10-21 · -0.05% vs 2026-10-19

Earliest NAV in archive

2006-04-03

AMFI archive begins Apr 2006

Worst peak-to-trough drawdown

-1.29%

trough 2020-03-24 (since archive start)

Trailing CAGR vs assigned benchmark

Window	Scheme CAGR	Benchmark CAGR	Excess	Period
1y	+5.19%	—	—	2025-10-23 → today · 1.0y
3y	+6.66%	—	—	2023-10-23 → today · 3.0y
5y	+6.07%	—	—	2021-10-22 → today · 5.0y
10y	+6.38%	—	—	2016-10-21 → today · 10.0y

Benchmark assignment is mapped by category and sub-category from public sources. "Since inception (in archive)" uses the earliest NAV in the AMFI archive (April 2006 onward).

Rolling 1-year returns distribution · 1203 daily entry points · last 5 years

Imagine buying this fund on any day in this period and holding for exactly one year. Each bar counts how often that ended with a given return: green bars made money, red bars lost money even after a full year. Taller bar = more common outcome.

Median 1y return

+6.8%

Mean 1y return

+6.0%

Best / worst 1y

+8.3% / +2.8%

Windows positive

100%

5th %ile +3.2%

25th %ile +4.3%

75th %ile +7.3%

95th %ile +7.8%

Longer rolling windows · annualised

Same idea over longer holding periods. Returns are CAGR (annualised) so they're directly comparable to the trailing-CAGR table above.

Period	Median	Mean	Worst	Best	% positive	Windows
3y rolling	+7.1%	+6.7%	+4.9%	+8.5%	100%	2414
5y rolling	+7.4%	+7.2%	+5.8%	+8.5%	100%	3614
10y rolling	+7.4%	+7.3%	+6.4%	+7.9%	100%	2549

Monthly returns · since inception (Apr 2006)

How each calendar month went: green months gained, red months lost. Deeper colour = bigger move.

Year	Jan	Feb	Mar	Apr	May	Jun	Jul	Aug	Sep	Oct	Nov	Dec	Year
2026	+0.2	+0.6	+0.3	+0.5	+0.1	+1.2	+0.4	+0.4	+0.4	+0.0	·	·	+4.1
2025	+0.5	+0.5	+0.8	+0.9	+0.8	+0.6	+0.5	+0.3	+0.5	+0.6	+0.5	+0.4	+7.2
2024	+0.6	+0.6	+0.7	+0.6	+0.6	+0.6	+0.7	+0.5	+0.6	+0.7	+0.5	+0.5	+7.4
2023	+0.4	+0.5	+0.7	+0.7	+0.6	+0.6	+0.7	+0.6	+0.6	+0.4	+0.5	+0.6	+7.0
2022	+0.3	+0.2	+0.4	+0.1	-0.1	+0.1	+0.5	+0.7	+0.3	+0.4	+0.5	+0.5	+4.1
2021	+0.2	+0.1	+0.3	+0.4	+0.4	+0.4	+0.4	+0.5	+0.2	+0.2	+0.3	+0.2	+3.7
2020	+0.6	+0.6	+0.5	-0.2	+1.5	+1.1	+0.9	+0.4	+0.5	+0.7	+0.7	+0.5	+8.1
2019	+0.7	+0.5	+0.9	+0.4	+0.9	+0.4	+1.0	+0.7	+0.5	+0.8	+0.6	+0.4	+8.0
2018	+0.4	+0.3	+1.0	+0.0	+0.4	+0.6	+0.7	+0.5	+0.2	+0.6	+0.8	+0.8	+6.5
2017	+0.8	+0.2	+0.5	+0.5	+0.6	+0.6	+0.7	+0.5	+0.3	+0.7	+0.4	+0.2	+6.4
2016	+0.4	+0.5	+1.0	+0.7	+0.6	+0.6	+1.0	+0.7	+0.8	+0.6	+1.2	+0.0	+8.6
2015	+0.7	+0.5	+0.9	+0.6	+0.6	+0.7	+0.7	+0.6	+0.7	+0.6	+0.5	+0.5	+7.7
2014	+0.6	+0.6	+0.9	+0.6	+0.8	+0.7	+0.6	+0.6	+0.7	+0.8	+0.7	+0.6	+8.4
2013	+0.6	+0.5	+0.7	+0.9	+0.7	+0.5	-0.2	+0.5	+1.4	+0.9	+0.6	+0.8	+8.2
2012	+0.7	+0.7	+0.8	+0.9	+0.8	+0.7	+0.7	+0.7	+0.6	+0.7	+0.6	+0.6	+8.9
2011	+0.7	+0.6	+0.7	+0.7	+0.7	+0.7	+0.7	+0.7	+0.7	+0.7	+0.7	+0.7	+8.6
2010	+0.4	+0.3	+0.4	+0.4	+0.4	+0.4	+0.4	+0.5	+0.4	+0.5	+0.6	+0.6	+5.4
2009	+0.6	+0.5	+0.6	+0.5	+0.4	+0.4	+0.4	+0.4	+0.4	+0.4	+0.4	+0.4	+5.4
2008	+0.7	+0.6	+0.7	+0.7	+0.6	+0.7	+0.7	+0.7	+0.8	+0.8	+0.7	+0.7	+8.8
2007	+0.7	+0.6	+0.7	+0.8	+0.8	+0.6	+0.6	+0.6	+0.6	+0.7	+0.6	+0.7	+8.2
2006	·	·	·	·	+0.6	+0.5	+0.6	+0.6	+0.5	+0.6	+0.6	+0.6	+4.7
Avg	+0.5	+0.5	+0.7	+0.5	+0.6	+0.6	+0.6	+0.6	+0.6	+0.6	+0.6	+0.5	+7.2

All values in %. Each cell compares the last NAV of the month with the last NAV of the month before. The latest month is month-to-date; the Year column compounds the months shown on that row. The Avg row is the plain average of each column across the years shown (19 complete calendar years in the last column); the running month is left out of it.

Portfolio mix · asset class breakdown as of 2026-07-31

ETF / FoF 0.4%

Other / unclassified 99.6%

Size axis (Style Box) · Large / Mid / Small split of latest disclosed holdings

Per AMFI's semi-annual Categorisation of Stocks (top 100 = Large, 101-250 = Mid, 251+ = Small).

Debt 97.0%
Cash & Equivalents 2.6%
ETF / FoF (incl. gold/silver) 0.4%

100% of the fund sits outside AMFI-classified equity: debt, cash, ETF/FoF units, REITs, foreign holdings, or unlisted/pre-IPO paper.

Index overlap

· vs · share of this fund's AUM that sits in stocks the index also includes

No holdings data yet for this fund.

Top stocks held · 144 holdings as of 2026-07-31 See changes vs previous snapshot →

Stock	Sector	% of fund
Floating Rate GOI 2028^	SOVEREIGN	5.33%
Small Industries Development Bank^	CRISIL AAA	4.98%
Jubilant Beverages Limited^	CRISIL AA	3.60%
National Bank for Agri & Rural Dev.^	ICRA AAA	3.51%
Floating Rate GOI 2033	SOVEREIGN	2.82%
National Bank for Agri & Rural Dev.^	IND AAA	2.72%
National Housing Bank^	CARE AAA	2.57%
Yes Bank Ltd.^	CRISIL-A1+	2.35%
Power Finance Corporation Ltd.	CRISIL AAA	2.28%
Bajaj Housing Finance Ltd.	CRISIL AAA	2.05%
Power Finance Corporation Ltd.^	CRISIL AAA	1.91%
Radhakrishna Securitisation Trust (Originator - Jamnagar Utilities & Power Private Limited)^	CRISIL AAA(SO)	1.86%
JTPM Metal Traders Limited^	CRISIL AA	1.75%
Jubilant Bevco Limited^	CRISIL AA	1.72%
6.64% GOI MAT 071231	SOV	1.67%
Yes Bank Ltd.^	CRISIL A1+	1.56%
Small Industries Development Bank^	CRISIL AAA	1.49%
Indian Oil Corporation Ltd.^	ICRA AAA	1.39%
Motilal Oswal Financial Services Ltd.	—	1.36%
Poonawalla Fincorp Ltd	CRISIL AAA	1.35%
ASCENDAS IT PARK PUNE PRIVATE LIMITED^	—	1.34%
Small Industries Development Bank^	CRISIL AAA	1.23%
ADITYA BIRLA RENEWABLES LIMITED^	CRISIL AA	1.22%
LIC Housing Finance Ltd.^	CRISIL AAA	1.09%
Nomura Capital India Pvt. Ltd.^	—	1.08%
JM Financial Credit Solutions Ltd.^	ICRA AA	1.08%
SMFG India Home Finance Company Ltd^	—	1.07%
Housing and Urban Development Corporation Ltd.^	ICRA AAA	1.07%
IIFL CAPITAL SERVICES LIMITED^	—	1.03%
TATA Capital Housing Finance Ltd.^	CRISIL AAA	1.03%
UCO Bank^	CRISIL A1+	1.02%
Power Finance Corporation Ltd.^	CRISIL AAA	0.95%
National Bank for Agri & Rural Dev.^	CRISIL AAA	0.95%
Jamnagar Utilities & Power Pvt. Limited^	CARE AAA	0.87%
Export - Import Bank of India^	CRISIL AAA	0.82%
CanFin Homes Ltd.^	ICRA AAA	0.82%
Poonawalla Fincorp Ltd^	CRISIL AAA	0.81%
REC Limited.^	CARE AAA	0.81%
Kotak Mahindra Investments Ltd.^	CRISIL AAA	0.81%
Shivshakti Securitisation Trust (Originator - Sikka Ports & Terminals Limited)^	CRISIL AAA(SO)	0.80%
Citicorp Finance (India) Ltd.^	ICRA AAA	0.78%
Bharti Telecom Limited^	CRISIL AAA	0.73%
National Highways Authority of India^	CRISIL AAA	0.70%
Reliance Industries Ltd.^	CRISIL AAA	0.70%
Power Finance Corporation Ltd.^	CRISIL AAA	0.68%
REC Limited.	CRISIL AAA	0.67%
National Bank for Agri & Rural Dev.^	CRISIL AAA	0.66%
Reliance Industries Ltd.^	—	0.56%
Tata Capital Ltd.^	CRISIL AAA	0.55%
Mahindra Rural Housing Finance Ltd^	CRISIL AAA	0.55%
Bajaj Housing Finance Ltd.^	CRISIL AAA	0.55%
National Housing Bank	CRISIL AAA	0.54%
Globe Capital Market Ltd^	—	0.54%
JM Financial Credit Solutions Ltd.^	ICRA AA	0.54%
John Deere Financial India Pvt. Ltd.^	CRISIL-AAA	0.54%
LIC Housing Finance Ltd.^	CRISIL AAA	0.54%
National Bank for Agri & Rural Dev.	CRISIL AAA	0.54%
Poonawalla Fincorp Ltd^	CRISIL AAA	0.54%
Poonawalla Fincorp Ltd^	CRISIL-AAA	0.54%
Power Finance Corporation Ltd.^	CRISIL AAA	0.54%
REC Limited.^	CRISIL AAA	0.54%
REC Limited.^	CRISIL AAA	0.54%
REC Limited.^	ICRA AAA	0.54%
Sundaram Home Finance Limited^	ICRA AAA	0.54%
Tata Communications Limited^	CRISIL-AAA	0.54%
L&T Finance Ltd.^	—	0.52%
6.82% Bihar SDL - ISD 140721 Mat 140728^	—	0.52%
Dhruva XXIV (Originator - Five-Star Business Finance Limited)^	ICRA AAA(SO)	0.50%
HDB Financial Services Ltd.^	CRISIL AAA	0.49%
Bajaj Auto Credit Limited	ICRA AAA	0.49%
RJ Corp Limited^	CRISIL AAA	0.45%
Power Finance Corporation Ltd.^	CRISIL AAA	0.41%
Muthoot Finance Ltd.^	CRISIL AA+	0.41%
REC Limited.^	CRISIL AAA	0.41%
Pipeline Infrastructure Pvt. Ltd.^	CRISIL AAA	0.41%
Bharti Telecom Limited^	CRISIL AAA	0.40%
Corporate Debt Market Development Fund	Alternative Investment Fund Units	0.39%
Vajra 014 Trust (Originator - Veritas Finance limited)^	—	0.35%
Sikka Port and Terminal Ltd.^	CRISIL AAA	0.33%
Globe Fincap Ltd^	—	0.27%
Indian Railways Finance Corp. Ltd.	ICRA AAA	0.27%
SMFG India Home Finance Company Ltd^	CRISIL AAA	0.27%
Power Finance Corporation Ltd.^	CRISIL AAA	0.27%
JM FINANCIAL HOME LOANS LIMITED^	—	0.27%
Jio Credit Ltd^	CRISIL AAA	0.27%
ICICI Home Finance Ltd^	CRISIL-AAA	0.27%
Bharti Telecom Limited^	CRISIL AAA	0.27%
Cholamandalam Investment & Finance Co. Ltd.^	ICRA-AA+	0.27%
DLF Cyber City Developers Ltd.^	CRISIL AAA	0.27%
Export - Import Bank of India^	CRISIL AAA	0.27%
Sansar Trust July 2023 II (Originator - Shriram Finance Limited)^	—	0.26%
Arka Fincap Limited^	CRISIL AA	0.19%
HDB Financial Services Ltd.^	CRISIL AAA	0.19%
HDB Financial Services Ltd.^	CRISIL AAA	0.19%
National Bank for Agri & Rural Dev.^	CRISIL AAA	0.18%
Indian Railways Finance Corp. Ltd.^	CRISIL AAA	0.16%
LIC Housing Finance Ltd.^	CARE AAA	0.16%
Indigo 045 (Originator - MAS Financial Services Limited)^	—	0.15%
Power Finance Corporation Ltd.^	CRISIL AAA	0.14%
360 One Prime Limited^	ICRA AA	0.14%
Bajaj Housing Finance Ltd.^	CRISIL AAA	0.14%
Bharti Telecom Limited	CRISIL AAA	0.14%
Indian Oil Corporation Ltd.^	CRISIL AAA	0.14%
LIC Housing Finance Ltd.^	CRISIL AAA	0.14%
Mahindra & Mahindra Financial Services Ltd.^	CRISIL AAA	0.14%
National Bank for Agri & Rural Dev.	CRISIL AAA	0.14%
National Bank for Agri & Rural Dev.^	ICRA AAA	0.14%
Nomura Capital India Pvt. Ltd.^	FITCH AAA	0.14%
Poonawalla Fincorp Ltd^	CRISIL AAA	0.14%
REC Limited.^	CRISIL AAA	0.14%
REC Limited.^	ICRA AAA	0.14%
REC Limited.^	CRISIL AAA	0.14%
Small Industries Development Bank^	CRISIL AAA	0.14%
Tata Capital Ltd.^	CRISIL AAA	0.14%
TVS Credit Services Ltd^	—	0.14%
UltraTech Cement Limited^	CRISIL AAA	0.14%
Bajaj Housing Finance Ltd.^	CRISIL AAA	0.13%
Poonawalla Fincorp Ltd^	CRISIL AAA	0.13%
L&T Finance Ltd.^	—	0.13%
Bharti Telecom Limited^	CRISIL AAA	0.13%
7.39% TAMIL NADU SDL - Mat 091126^	Sovereign	0.12%
Kotak Mahindra Investments Ltd.^	CRISIL AAA	0.11%
Small Industries Development Bank	CRISIL AAA	0.11%
7.67% Punjab SDL - Mat 291127^	SOV	0.08%
Indian Railways Finance Corp. Ltd.^	CRISIL AAA	0.06%
7.08% Karnataka SDL - Mat 141226^	Sovereign	0.05%
Small Industries Development Bank^	CRISIL AAA	0.05%
India Universal Trust AL2 (Originator - HDFC Bank Limited)£^	IND AAA(SO)	0.04%
GOI STRIPS - Mat 171226^	SOV	0.03%
GOI STRIPS - Mat 170627^	SOVEREIGN	0.03%
8.35% Puducherry SDL Mat 130327^	Sovereign	0.03%
7.72% Tamil Nadu SDL UDAY Mat 220228^	—	0.03%
7.53 West Bengal SDL Mat 221127^	—	0.03%
7.92% Uttar Pradesh Mat 240128^	SOVEREIGN	0.03%
7.77% Andhra Pradesh SDL Mat 100128^	SOVEREIGN	0.03%
7.20% Karnataka SDL Mat 231029^	SOV	0.03%
8.32% Andhra Pradesh SDL Mat 060228^	—	0.02%
7.24% Gujarat SDL Mat 281226^	Sovereign	0.02%
7.90% Tamil Nadu SDL UDAY - Mat 220327^	Sovereign	0.02%
GOI STRIPS - Mat 171227^	Sovereign	0.02%
7.65% Karnataka SDL - Mat 291127^	SOVEREIGN	0.01%
6.97% Assam SDL - Mat 231126^	—	0.01%
6.88% Goa SDL Mat 231126^	—	0.01%
7.15% Tamil Nadu SDL Mat 201127^	—	0.01%

Sector mix

Corporate Debt 88.4%
Sovereign Debt 9.4%
Sov 1.9%
Alternative Investment Fund Units 0.4%

Factual data only. No investment advice or recommendation. Read the scheme document and consult a SEBI-registered Investment Adviser for personalised guidance.