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Two Short duration funds side by side: returns, costs, size, risk and how much their portfolios overlap.
HDFC Floating Interest Rates Fund vs HDFC Short Term Fund, as of 9 Nov 2026: HDFC Floating Interest Rates Fund NAV ₹55.22, 3Y CAGR 7.5%, expense ratio 0.27%; HDFC Short Term Fund NAV ₹35.57, 3Y CAGR 7.4%, expense ratio 0.39%; about 32% of their portfolios overlap.
As of · Source: AMFI NAVs and fund-house disclosures
| HDFC Floating Interest Rates Fund Direct Growth | HDFC Short Term Fund Direct Growth | |
|---|---|---|
| Category | Short duration | Short duration |
| Fund house | HDFC Mutual Fund | HDFC Mutual Fund |
| Plan | Direct Plan · Growth Option | Direct Plan · Growth Option |
| NAV | ₹55.22 (9 Nov 2026) | ₹35.57 (9 Nov 2026) |
| 1Y return | 5.5% | 4.8% |
| 3Y CAGR | 7.5% | 7.4% |
| 5Y CAGR | 6.9% | 6.6% |
| Since launch (CAGR) | 7.7% | 7.9% |
| Expense ratio | 0.27% | 0.39% |
| AUM | ₹15,564 cr | ₹14,013 cr |
| Risk-o-meter | Moderate | Moderate |
| Benchmark | CRISIL Short Duration Debt A-II Index | CRISIL Short Duration Debt A-II Index |
| Exit load | Nil | • In respect of each purchase/switch-in of units, an Exit load of 0. 25% is payable if units are redeemed/ switched out within 1 month from the date of allotment. • No Exit Load is payable if units are redeemed/ switched-out after 1 month from the date of allotment. |
| Minimum SIP | ₹100 | ₹100 |
| Holdings | 141 | 137 |
| Top 10 holdings weight | 31.1% | 22.6% |
| Portfolio overlap | About 32% by weight, from the latest disclosed holdings | |
Returns are point-to-point for each plan, after its expense ratio; periods over one year are CAGR. Past performance is not indicative of future results.
Open in the compare tool: growth charts, SIP outcomes and shared holdings →HDFC Floating Interest Rates Fund has the higher 5-year CAGR (as of 9 Nov 2026): HDFC Floating Interest Rates Fund 6.9% a year vs HDFC Short Term Fund 6.6% a year. Past performance is not indicative of future results.
HDFC Floating Interest Rates Fund costs less: HDFC Floating Interest Rates Fund charges 0.27% a year and HDFC Short Term Fund 0.39% a year.
HDFC Floating Interest Rates Fund is larger: HDFC Floating Interest Rates Fund manages ₹15,564 cr and HDFC Short Term Fund ₹14,013 cr (as of 9 Nov 2026).
About 32% of their portfolios overlap by weight (the smaller weight of each common holding, summed), from the latest disclosed holdings.
Both are rated "Moderate" on SEBI's risk-o-meter.
We don't give recommendations. Jivani Markets is not a SEBI-registered investment adviser or research analyst. Whether a fund suits you depends on your goals, horizon and risk appetite; speak to a SEBI-registered investment adviser or an AMFI-registered mutual fund distributor before investing.
Mutual Fund investments are subject to market risks, read all scheme related documents carefully. Past performance is not indicative of future results.
Returns are for Direct plans, after expenses (TER is already in the NAV). Research, not advice: we do not say a fund suits you. Disclaimer