Hdfc Asset Management Co. Ltd. · NSE:HDFCAMC
Hdfc Asset Management — Investor Presentation (August 2025)
76 slides from Hdfc Asset Management's investor presentation, August 2025
Slide 1: Investor Awareness Program
Investor Awareness Program
Slide 2: What do you do with your money?
Save Spend What do you do with your money? Invest
Slide 3: Do not save what is left after spending
Do not save what is left after spending, But spend what is left after saving. Warren Buffett
Slide 4: What's wrong with just saving?
What's wrong with just saving? Inflation eats up your savings over time!
Slide 5: Impact of Inflation
Impact of Inflation Impact of Inflation on expenses Impact of Inflation on savings ₹ 80,000 ₹ 1,00,000 ₹ 60,000 ₹ 80,000 ₹ 40,000 ₹ 50,000 ₹ 1,00,000 ₹ 30,000 ₹ 35,000 ₹ 80,000 Today 5 Years 15 Years 20 Years Today 5 Years 15 Years 20 Years Impact of 5% yearly inflation on expenses Impact of 5% year
Slide 6: Solution?
Solution? Investing - the safeguard against inflation Start Saving … Progress from ‘Saving’ Put money to work rather than the earlier you start, the better to ‘Investing’ accumulating or keeping it idle You work hard to earn money … Benefit from the So, make the money work hard Power of Compounding
Slide 7: What is Financial Planning?
What is Financial Planning? Financial Planning is the practice of assessing one’s current financial situation and drawing a financial plan to reach future life-stage goals. Steps of financial planning Monitor, review and modify the financial plan if required Invest accordingly Create asset allocatio
Slide 8: Why is Financial Planning important?
Why is Financial Planning important? To reach financial goals faster & To enhance your standard of living To prepare for financial emergencies in a disciplined manner Saving and investing according to a Keeping aside a contingency fund can Investing systematically can help you financial plan can hel
Slide 9: Never depend on single income
Never depend on single income. Make investment to create a second source. Warren Buffett
Slide 10: Investing in the right asset can help create wealth in the long term
Investing in the right asset can help create wealth in the long term Returns generated by investment in stock market over different tenures Sensex (CAGR %) 18.0 16.0 15.5 15.0 14.4 14.0 12.8 12.7 12.7 11.9 12.0 11.3 10.0 8.0 6.0 4.0 2.0 0.0 5 10 15 20 25 30 35 40 Tenure (years) Source: ACE MF | CAGR
Slide 11: Investing for the long can prove to be beneficial
Investing for the long can prove to be beneficial S&P BSE SENSEX Growth over the years 70000 60000 50000 40000 30000 20000 10000 0 Jun-83 Jun-93 Jun-03 Jun-13 Jun-23 Performance Source: ACE MF | Past performance may or may not guarantee future performance | Data as on 30 June 2023
Slide 12: What are you Investing for?
Determine What are you Investing for? Goal based investing Always invest in assets with your specific financial goal in mind
Slide 13: What are the various options?
What are the various options? Gold Stocks Bonds Mutual Funds Property Insurance Bank Deposits
Slide 14: Make your investments work for you
Make your investments work for you Fight inflation for you Provide income when you need it Your Investments Be accessible & usable in parts and portions should Grow in value and appreciate over time Be realizable at fair value and low cost Proper Asset allocation is the answer
Slide 15: What is Asset Allocation?
What is Asset Allocation ? Asset Allocation is like a balanced thali …
Slide 16: Asset Allocation should match your financial planning/goals
Asset Allocation should match your financial planning/goals Investment that can Investment that can Grow in Value Generate Income Property Gold Bonds NSC/KVP Art Collection Equity Shares PPF Bank / Company Mutual Funds Deposits Are you investing in the right assets?
Slide 17: Mutual Funds
Mutual Funds
Slide 18: What is a Mutual Fund?
What is a Mutual Fund? A mutual fund is a financial vehicle (scheme) that collects Mutual Funds are managed by fund managers, who money from many investors and invests it in securities such have the expertise in studying the financial markets. as stocks, bonds, debentures etc. Anybody with an invest
Slide 19: How does a Mutual Fund work?
Investors Delivered to Pool their money How does a Mutual Fund work? Returns Fund Manager Helps Invest in generate Stocks / Securities
Slide 20: Why invest in Mutual Funds?
Professional Management Why invest in Low Cost Transparency Mutual Funds? Risk Diversification Convenient (Invest Small Liquidity Amounts) Well-Regulated By SEBI
Slide 21: Mutual Fund Structure & Scheme Categories
Mutual Fund Structure & Scheme Categories
Slide 22: Structure of Mutual Fund at a glance
Structure of Mutual Fund at a glance … Execute a Trust Deed to form a trust Sponsor Trustee Mutual Fund is established as a Trust under Indian Trust Act, 1882 Investment Management & Asset Management Investors Mutual Fund Day-to day Operations Company Custodian Agents/ Fund Registrar & Transfer Bank
Slide 23: Types of Mutual Funds
Types of Mutual Funds Organizational Management Investment Investment Other Fund Structure of Portfolio Objective portfolio Types • Open ended Funds • Active Funds • Growth Funds • Equity Funds • Exchange Traded • Funds (ETF • Close ended Funds • Passive Funds • Income Funds • Debt Funds • Gold ETF
Slide 24: Categorization of Mutual Fund Schemes
Categorization of Mutual Fund Schemes As per SEBI guidelines on Categorization and Rationalization of schemes issued in October 2017, mutual fund schemes are classified as: Equity Schemes Debt Schemes Hybrid Schemes Solution Oriented Schemes – Other Schemes – Index Funds & For Retirement and Childre
Slide 25: Equity schemes
Equity schemes
Slide 26: Equity Funds
Equity Funds Invest in equities and Seek growth in the long Suitable for investors with equity related instruments term, can be volatile in higher risk appetite and of companies the short term longer investment horizon
Slide 27: Equity Funds Categories
Equity Funds Categories Multi Cap Fund* Large Cap Fund Large & Mid Cap Fund At least 65% investment in equity & equity At least 80% investment in equity & equity At least 35% investment in large cap related instruments related instruments stocks and 35% in mid cap stocks Mid Cap Fund Small cap Fund
Slide 28: Equity Fund Categories
Equity Fund Categories Dividend Yield Fund Value Fund Contra Fund Predominantly invest in dividend yielding Value investment strategy, with at least Scheme follows contrarian investment stocks, with at least 65% in stocks 65% in stocks strategy with at least 65% in stocks Focused Fund Sectoral/ Them
Slide 29: Equity Linked Savings Scheme (ELSS)
Equity Linked Savings Scheme (ELSS) Deduction from taxable Invests predominantly in Shortest lock-in period of 3 income of up to equity and helps generate years, as compared to other Rs.1,50,000 under Sec 80C market-linked returns tax-saving options Tax benefits are subject to the provisions of the
Slide 30: Debt schemes
= Debt schemes
Slide 31: Debt Funds
Debt Funds Invest in different types Aim to earn interest income Suitable for investors of fixed income securities and capital appreciation seeking returns with low or moderate risk
Slide 32: Types of debt funds
Types of debt funds * Dynamic Bond Fund and Gilt Funds are suitable across duration | # Duration of securities in Credit Risk Fund is strategic and not pre-determined
Slide 33: Debt Funds Categories
Debt Funds Categories Overnight Fund Liquid Fund Ultra Short Duration Fund Overnight securities/ Securities Debt and money market securities with Securities with Macaulay duration of the having maturity of 1 day maturity of upto 91 days only portfolio between 3 months - 6 months Low Duration Fund Mo
Slide 34: Debt Funds Categories
Debt Funds Categories Long Duration Fund Dynamic Bond Corporate Bond Fund Securities with Macaulay duration of Securities across duration Minimum 80% investment in corporate bonds the portfolio greater than 7 years only in AA+ and above rated corporate bonds Credit Risk Fund Banking and PSU Fund Gil
Slide 35: Debt Fund Categories
Debt Fund Categories Banking and PSU Fund Gilt Fund Gilt Fund with 10 year constant Minimum 80% in Debt instruments of banks, Public Sector Undertakings, Public Financial Minimum 80% in G-secs, across maturity Duration Institutions and Municipal Bonds Minimum 80% in G-secs, such that the Macaulay du
Slide 36: Hybrid schemes
=== Hybrid schemes
Slide 37: Hybrid Funds
Hybrid Funds Invest in a mix of Aim to generate wealth Suitable for investors equities and debt from equity exposure while looking for a mix of safety, the debt portion fortifies income and modest capital them against any downturn appreciation
Slide 38: Hybrid Funds
Hybrid Funds SEBI has classified Hybrid funds into 7 sub-categories as follows: Conservative Hybrid Fund Balanced Hybrid Fund Aggressive Hybrid • 10% to 25% investment in equity & equity • 40% to 60% investment in equity & Fund related instruments; and equity related instruments; and • 65% to 80% in
Slide 39: Solution-oriented & Other schemes
Solution-oriented & Other schemes
Slide 40: Solution Oriented & Other Schemes
Solution Oriented & Other Schemes Retirement Funds Children’s Funds Lock-in for at least 5 years or till retirement Lock-in for at least 5 years or till the child age whichever is earlier attains age of majority whichever is earlier Index Funds/ ETFs Fund of Funds Minimum 95% investment in securitie
Slide 41: Index Funds
Index Funds Portfolio replicates the index Aims to provide returns in Suitable for investors line with index seeking returns similar to index
Slide 42: Index Funds
Mirrors a market index. Includes securities as per index and in the same proportion/weightage Index Funds Passive fund management Aims to offer returns and undertake risks similar to the of the index it tracks Fees capped at: 1.5% (of the amount one invests annually) Complete transparency in knowing
Slide 43: Exchange Traded Funds (ETFs)
Exchange Tracks an index, a commodity, bonds, or a basket of assets Traded Funds (ETFs) Trades like a common stock on the stock exchange Passive fund management Lower cost of fund management than active funds
Slide 44: Gold Exchange Traded Funds
Invests in pure physical gold bullion of 99.5% purity. May also invest in gold related instruments approved by SEBI and Gold Deposit Scheme of banks upto 20% of net assets Each unit of Gold ETFs represents a defined weight in gold, typically one gram. Gold Exchange Traded Funds The price of Gold ETF
Slide 45: International Funds
International funds expose your portfolio to international markets, by holding one or more of the following: • Equity/ Debt of companies listed abroad International • ADRs and GDRs of Indian companies Funds • Debt of companies listed abroad • ETFs of other countries • Units of passive index funds in
Slide 46: Fund of Funds (FoF)
Fund of funds invest in the units of another mutual fund. Hence, FoFs are also known as multi-manager funds Fund of Funds (FoF) The portfolio of a FoF scheme includes the units of different mutual fund schemes the FOF invests in The fund management cost includes expenses of FoF along with underlying
Slide 47: Arbitrage Funds
The word 'Arbitrage' refers to the practice of buying a security in one market, and then selling it at a higher price in another market. An Arbitrage fund buys a security in the cash market and simultaneously sells it in the Futures market, at a higher price. The price difference in these two market
Slide 48: Mutual Fund Scheme - Which one to buy?
Mutual Fund Scheme - Which one to buy? …. a matter of Risk Return Trade-Off Equity Schemes Hybrid Schemes Debt Schemes Liquids Schemes • Higher Returns • Moderate Returns • Low - Moderate Returns • Lower Returns • Higher Risk • Moderate Risk • Low - Moderate Risk • Very Low Risk
Slide 49: Scheme Related Documents
=== Scheme Related Documents
Slide 50: Scheme Related Documents
Scheme Related Documents KIM Scheme Statement of Key Information information Additional Memorandum document (SID) Information (SAI) (KIM) • It includes detailed information • SAI contains information related • KIM is a summarized version that an investor should know to legal, tax, and general of the
Slide 51: Factsheet
Factsheet A fact sheet helps you evaluate a scheme and keep a track of its performance. It is issued every month. Factsheet The document aims to provide a snapshot of the scheme, in an easy-to-understand way. A fact sheet shows key information like NAV, returns, Riskometer, etc. at a glance.
Slide 52: Plans & Options
=== Plans & Options
Slide 53: Direct Plans & Regular Plans
Direct Plans & Regular Plans Regular Plan Direct Plan You can invest with the help of You can invest DIRECTLY without Mutual Fund Distributor/agent involving any distributor/agent It has comparatively LOWER NAV It has HIGHER NAV than regular plan It has High Expense Ratio It has Low Expense Ratio as
Slide 54: Growth Option & IDCW (Dividend) Option
Growth Option & IDCW (Dividend) Option Growth Option Profits made by the Suitable for investors scheme are re-invested in This option can help avail who do not require the scheme and not paid the benefit of compounding regular income out to investors Income Distribution cum Capital Withdrawal (IDCW)
Slide 55: Modes of Investing
Modes of Investing Lump sum Investment Systematic Systematic Transfer Inter Scheme Investing a certain amount Investment Plan (SIP) Plan (STP) Switches in one go Investing a fixed amount Transferring a certain amount Switching investment from periodically from one mutual fund scheme one open ended s
Slide 56: Systematic Investment Plan (SIP)
SIP allows an investor to regularly invest a fixed amount in a mutual fund scheme. This is similar to the Recurring Deposit facility Systematic provided by banks Investment The advantages of investing through SIP are: Plan (SIP • Regular, disciplined investing • Smaller installments • Averaging the
Slide 57: SIP: The Power Of Compounding
SIP: The Power Of Compounding SIP of Rs. 1,000 invested per month @ 8% pa till the age of 60. 23,09,175 Total Amount invested through SIP 15,00,295 Value at the age of 60 4,20,000 9,57,367 3,60,000 5,92,947 3,00,000 2,40,000 Starting Age 25 30 35 40 …the sooner you start, makes a lot of difference!
Slide 58: SIP - How Rupee Cost Averaging helps
SIP - How Rupee Cost Averaging helps Month Amount Rising Market Falling Market Volatile Market NAV (Rs) Units Allotted NAV (Rs) Units Allotted NAV (Rs) Units Allotted 1 10,000 10 1000.00 10 1000.00 10 1000.00 2 10,000 10.5 952.38 9.75 1025.64 10.5 952.38 3 10,000 12 833.33 9 1111.11 9 1111.11 4 10,0
Slide 59: Systematic Withdrawal Plan (SWP)
SWP allows an investor to regularly withdraw a fixed amount from their mutual fund investments Systematic The desired amount is credited to the investor's bank account by Withdrawal redeeming equivalent units Plan (SWP) SWP can aid retirement planning as it provides a regular cash inflow SWP also he
Slide 60: How to invest in Mutual Funds
How to invest in Mutual Funds
Slide 61: Be 'Investment-ready'!
Be 'Investment-ready'! Pre-requisites Steps to complete KYC Process After completing KYC Visit any MF Branch Investor Service KYC (Know Your Customer) Centre / Branch with required KYC you can open a MF Folio Process Documents, namely – with any Mutual Fund and start investing . Address Proof - Aadh
Slide 62: Modes of Investing
Modes of Investing Online Mode Physical Mode (Traditional / Paper based )
Slide 63: How to invest in a Mutual Fund Scheme?
How to invest in a Mutual Fund Scheme? One can invest in a Mutual Fund scheme Offline or Online Offline (physical application) mode Online mode To invest in mutual funds through the offline mode: To invest in mutual funds through the offline mode: Fill out the scheme application form and sign it Vis
Slide 64: How to withdraw your money?
How to withdraw your money? Withdrawing your money from Mutual Fund scheme is called as Redemption or Repurchase. You can withdraw full or partial amount or even a specific number of units. Offline mode to redeem your Online mode to redeem your mutual fund investments mutual fund investments Submit
Slide 65: Performance Evaluation Principles
Performance Evaluation Principles A mutual fund provides The returns of a fund should be The risk a fund undertakes, relative return, with respect measured over the and the returns generated to its benchmark. recommended holding period by taking this risk, should be proportionate The returns have to
Slide 66: Net Asset Value
What is NAV? Net Asset Value The NAV indicates the price of one unit of a particular fund. The formula of NAV is: NAV = (Assets-Liabilities)/ Total number of outstanding shares Mutual Fund NAVs are published daily on AMFI’s website, Mutual Fund Websites, leading newspapers, etc.
Slide 67: Product Labelling
Product Labelling The product label of a mutual fund helps the investor understand: Ideal time horizon of the investing in scheme i.e., short, medium or long term Brief investment objective of the scheme, and the asset/assets it invests in Riskometer Level of risk the investor will undertake by inve
Slide 68: Nomination
Nomination Nomination is a facility that enables an individual unit holder to nominate a person, who can claim the units held by the unit holder or the redemption proceeds thereof in the event of death the unit holder. If the Units are held jointly by more than one person, all joint unit holders are
Slide 69: Why is Nomination important?
Why is Nomination important? If a unit holder does not nominate a It also depends upon the Will left by Thus, Nomination provides a simpler person, the units would be transmitted the unit holder (if any) and as per and cost-efficient way for the to the account of legal heir(s). the relevant laws. Th
Slide 70: Complaints Redressal Mechanism
Complaints Redressal Mechanism Complaint to Mutual Fund Contact the Investor Relations Officer of the Mutual Fund Name and contact details of the Investor Relations Officer are available in the Scheme Information Document and also on the website of the concerned mutual fund.
Slide 71: SEBI Complaints Redress System
SEBI Complaints Redress System SEBI Complaint Redress System (SCORES) is a web-based complaint redressal portal provided by SEBI. An investor can lodge an online complaint with SEBI through SCORES if he/she is not satisfied with the response from the Mutual Fund/company/intermediary. SEBI takes up t
Slide 72: Taxation on mutual funds
=== Taxation on mutual funds
Slide 73: Taxation on Equity and Debt mutual funds
01. Taxation on Equity and Debt mutual funds Fund Category Duration Capital gains Tax applicable Less than 12 months Short term capital gains 15% (subject to Surcharge, if applicable) Equity Funds Gains upto Rs. 1 lakh exempted, anything above Taxation More than 12 months Long term capital gains tha
Slide 74: Taxation of Hybrid Mutual Funds
02. Taxation of Hybrid Mutual Funds Taxation of a hybrid fund depends on whether it’s an equity-focused or debt-focused hybrid fund. Type of Hybrid Fund Duration Capital gains Tax applicable Less than 36 months Short term capital gains As per respective income tax slab Conservative More than 36 mont
Slide 75: Taxation of Hybrid Mutual Funds
02. Taxation of Hybrid Mutual Funds Type of Hybrid Fund Duration Capital gains Tax applicable Less than 36 months Short term capital gains As per respective income tax slab Multi Asset More than 36 months (acquired 20% with indexation benefit (subject to Surcharge, Long term capital gains Allocation
Slide 76: Thank You
Thank You Mutual Fund investments are subject to market risks, read all scheme related documents carefully.
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