HDFC Top 100 Fund~

HDFC Top 100 Fund is a long-term investment scheme that primarily invests in large-cap equity funds. The number 100 in the fund's name stands for the companies that allow 80% of the total portfolio’s exposure to the large-cap stocks declared by SEBI. Diversification of the funds is the key feature of the HDFC Top 100 Fund.

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Types of Plans

HDFC Top 100 Fund has two types of plans:

  • Direct plan: individuals invest in the fund with their wisdom without an intermediary or distributor. 

  • Regular plan: individuals invest in the fund through a distributor. 

Both plans offer a growth plan and IDCW (Income Distribution cum Capital Withdrawal) option. 

Under the IDCW option, the fund declares dividends after set intervals. When dividends are declared, investors can either withdraw the money or reinvest it in the fund. 

HDFC Top 100 Fund Facts~

Scheme Type It is an open-ended equity scheme that predominantly invests in large-cap stocks
Allotment Date 11th October, 1996
Benchmark NIFTY 100 (Total Return Index)
Risk Level High risk
Entry Load NA
Exit Load

  • If the units are redeemed or switched within one year of allotment, the exit load will be 1%.

  • If units are redeemed or switched after one year of fund allotment, then exit load is not applicable.

  • Investors also don't have to pay any exit load on the redeeming or switching of the bonus units.
Lock-in period Nil
AUM as of October 31, 2021 Rs. 21595.61 Crore
Expense ratio

  • 1.77% on the regular plan

  • 1.17% on direct plan
Fund Manager

  • Mr. Prashant Jain, since January 1, 2002

  • Mr. Sankalp Baid, since January 22, 2021, as a credit analyst
Standard Deviation 22.77
Mutual Fund HDFC Mutual Fund
Asset Management Company HDFC Asset Management Company Limited
Minimum Redemption Size in Rupees Rs. 500
NAV (as of 28th November 2021) Rs. 670.92
Investment Size

  • Minimum investment of Rs. 5000 and thereafter Rs. 1000 for additional purchases. The additional purchase amount is for first-time investment only.
Liquidity It is an open-ended scheme; therefore, investors can redeem or switch between unit funds after the declaration of the dividends or by putting the request of redeeming to the fund.  The redeeming amount will depend upon the fund's NAV at the time of the request. Amount gets disbursed usually after 3-4 business days.

Investment Objective

The primary investment objective of the HDFC Top 100 Fund is to generate income and wealth creation by investing in diversified large-cap equity securities. There is no assurance that this investment goal will be achieved at the time of the fund's maturity. 

Fund Summary

  1. HDFC T0p 100 Fund – Regular Plan 

    • For the Growth option:

      • NAV: 670.92 as of November 26, 2021

      • Expense Ratio: 1.77%

    • For the IDCW option:

      • NAV: 51.02 as of November 26, 2021

      • Expense Ratio: 1.77%

  2. HDFC top 100 fund – Direct Plan~

    • For the Growth Option:

      • NAV: Rs. 710.09 as of November 26, 2021

      • Expense Ratio: 1.17%

    • For the IDCW option:

      • NAV: Rs. 56.02 as of November 26, 2021

      • Expense Ratio: 1.17%

Fund Return Summary 

Tenure

CAGR Percentage

Point to Point Return* on Standard Investment of Rs. 10,000

1 Year

33.08%

Rs. 13,638.90

3 Years

17.14%

Rs. 14,763.10

5 Years

15.07%

Rs. 18,953.10

Since Inception

16.15%

Rs. 6,70,921

*Returns are subject to change. The investment risk in the investment portfolio is borne by the policyholder.

Pros and Cons

Pros

Cons

The expense ratio of the HDFC Top 100 Fund is very low that generates more income.

HDFC Top 100 Fund predominantly invests in a large-cap equity market that puts it high-risk category funds.

It is a good investment instrument for long-term big financial goals.

Equity market investment only brings better returns if invested for a longer duration, making it unsuitable for investors with short-term goals.

The fund manager tries to minimize high-risk factors by diverting capital into diversified funds.

HDFC Top 100 Fund does not provide any guarantee on the investment capital.

Only funds that generate better returns are selected for the investment.

Benefits of the HDFC Top 100 Fund~

Some benefits of the HDFC Top 100 Fund have been listed below:

  1. Diversified Portfolio

    Due to the high-risk factor involved, HDFC Top 100 Fund has carefully selected 100 large-cap equity securities funds that sail through the market's volatility.

  2. Long-Term Investment

    Long-term investments withstand market volatility. All the selected large-cap securities have shown long-term durability in the equity market. 

  3. Best Return~

    A diversified portfolio not only reduces risk factors but also yields better returns for investors. 

  4. Asset Benefit

    Equity funds hold the potential to withstand the inflation rates. The returns, as well as the units that you purchase, will grow your wealth in the long term. 

Who Should Invest in the HDFC Top 100 Fund?~

Following investors meeting the following elements should invest in HDFC Top 100 Fund:

  • An appetite for high-risk markets

  • Wealth creation in long term 

  • Investors of equity funds

  • Passive or long term investors

FAQ's

  • Q. What are the tax implications on the HDFC Top 100 Fund?~

    A. You do not get any tax rebate on the income generated by the HDFC Top 100 Fund. It will be taxed by 15% if units are sold within one year of fund allocation. 
    If units are sold after one year, the income over Rs. 1 lac is exempted from the tax. The amount above Rs. 1 lac will be taxed by 10%. 
    Dividend returns are counted as the income and will be taxed as per the tax slab of the individual's income. 

  • Q. What is the expense ratio?

    A. The expense ratio is the administrative and other clerical expenses levied on the investors by the fund manager. The expense ratio is deducted from the income generated by the fund over the years. 

  • Q. What is the ideal duration for investing in HDFC Top 100 Fund?~

    A. It is advised by experts to get better returns from the HDFC Top 100 Fund capital should be invested for or more than 3 years. The market's volatility does not impact the fund's performance in a longer duration.

  • Q. What is the asset allocation by sector of the HDFC Top 100 Fund?~

    A. You can find the sector-wise asset allocation of the fund below in the table.
    Financial 36.25%
    Energy 22.65%
    Technology 12.23%
    Healthcare 5.96%
    Construction 4.83%
    Automobile 4.28%
    FMCG 3.4%
    Communication 2.44%
    Insurance 2.1%
    Engineering 1.47%
    Services 0.12%

*All savings are provided by the insurer as per the IRDAI approved insurance plan.
*Tax benefit is subject to changes in tax laws. Standard T&C Apply
++Source - Google Review Rating available on:- http://bit.ly/3J20bXZ
˜Top 5 plans based on annualized premium, for bookings made in the first 6 months of FY 24-25. Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. This list of plans listed here comprise of insurance products offered by all the insurance partners of Policybazaar. For a complete list of insurers in India refer to the Insurance Regulatory and Development Authority of India website, www.irdai.gov.in
^^The information relating to mutual funds presented in this article is for educational purpose only and is not meant for sale. Investment is subject to market risks and the risk is borne by the investor. Please consult your financial advisor before planning your investments.

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