Riskometer

HDFC Gold Fund is suitable for in vestors who are seeking *: Modera
Domestic Price of Physical Gold
oderate High tely Moder
o M oderate Highately
w t erate Hi
o te M
• Capital appreciation over long term. t
w era Hi
Mo Lo

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d

Mo Lo

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• Investment in Units of HDFC Gold Exchange Traded Fund
d
Very
Low

High

(HGETF). HGETF invests in gold bullion of 0.995 fineness.

Very
Low

High
RISKOMETER
*Investors should consult their financial advisers, if in doubt about whether the product Investors understand that their principal will be at RISKOMETER
is suitable for them. moderately high risk

Modera NIFTY 50 Arbitrage Index

oderate High tely S&P BSE SENSEX (Total Returns Index)
o M HDFC SENSEX ETF
w t erate Hi
Modera
Moder
oderate Highately oderate High tely
Mo Lo

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o M
d

o M w t erate Hi
HDFC Arbitrage Fund w t erate Hi
HDFC Index Fund -
Mo Lo

M
rate oHderately
Very

gh
Mo Lo
Low

High

gh

Mode
d

o igh
w t erate Hi SENSEX Plan
Very
Very

Low

High
Low

High

RISKOMETER
Mo Lo

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d

Investors understand that their principal will be at RISKOMETER RISKOMETER

low risk
Very
Low

High

RISKOMETER
Investors understand that their principal will be at
90% NIFTY 50 Hybrid Composite very high risk
Modera Debt 65:35 Index + 10% NIFTY 50 (Total Returns Index)
oderate High tely
o M Domestic Price of Gold HDFC NIFTY 50 ETF
w t erate Hi M
rate oderately
Mode High
Mo Lo

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o
w t erate Hi
d

HDFC Multi-Asset Modera

oderate High tely
Mo Lo

o M
gh
d

w t erate
Very

Hi HDFC Index Fund -

Low

High

Fund
Very
Mo Lo

gh

Low

High

NIFTY 50 Plan
d

RISKOMETER
RISKOMETER
Very

Investors understand that their principal will be at

Low

High

very high risk

RISKOMETER

Release Date: 28th April, 2022 1/4

Gold is a unique asset; relatively liquid,* yet scarce; itʼs a luxury good as much as an investment.Gold is not a liability and carries no
counterparty risk. As such, it can play a fundamental role in an investment portfolio.
Gold acts as a diversifier and a vehicle to mitigate losses in times of market stress. It can serve as a hedge against inflation and currency
risk.

Gold historically been considered as an excellent hedge against inflation.

Gold retains its value not only in times of financial uncertainty, but also in times of geopolitical uncertainly.
Gold historically had a negative correlation to other asset class.

HDFC Gold Fund (Fund), is the domestic gold fund of fund investing in gold as an asset class. The fund seeks to provide returns of gold
through investments in HDFC Gold Exchange Traded Fund (HDFC Gold ETF), which in turn invests in physical gold. The fund enables
investors to invest in gold in a paper form without the need of a demat account.
It is a passively managed fund which would enables an investor to save for gold in a convenient manner either through lump sum
investment or through systematic investment - the mutual fund way from a long term perspective. It aims to give investors the
opportunity to participate in the bullion market in a relatively cost effective and convenient way as the units can be directly purchased
and sold at the Asset Management Company (AMC) like any other open ended mutual fund scheme.
Passively managed Fund of Fund investing in Open-ended HDFC Gold ETF
Invests exclusively in HDFC Gold ETF which in turn invests in physical gold which shall be of fitness (or purity) of 995 parts per 1000
(99.5 %) or higher
Portfolio is focused on providing returns that closely correspond to the returns provided by HDFC Gold ETF

Available for non - demat a/c holders: Investors with no demat a/c can also invest in this fund through the physical mode thereby
making it easily available and convenient for non demat a/c holders.
Syatematic Investment Plan (SIP): a long term disciplined investment technique under which you invest a fixed sum of money on a
daily, monthly or quarterly basis in a scheme at the prevailing NAV. This allows the investors to save and invest regularly.

Small and regular investments:

No need for ʻtiming the marketsʼ: No need to select the right time and quantity to buy and sell as timing the market is time
consuming and risky. It eliminates the need to actively track the markets.

and sale of Gold Exchange Traded Fund units is factor of liquidity on the exchange

Cost Effective: Investing in gold through HDFC Gold Fund in physical application mode enables you to invest in a low cost manner as
the investor does not have to incur charges like storage cost of physical gold, annual mainteanance charges for demat account,
delivery brokerages charges, transaction charges incurred for investing through the dematerialized mode.

Portfolio & Scheme Features as on March 31, 2022

Portfolio as on March 31, 2022

100.06

Cash, Cash Equivalents and Net Current Assets -0.06

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 `5000/- and any amount thereafter.*
` 1000/- and any amount thereafter.
*applicable if investing for the first time in a folio in the Scheme.
Note: Allotment of units will be done after deduction of applicable stamp duty and transaction charges, if any.

Presently, SIP offers investors four plans viz. ʻDaily Systematic Investment Plan (DSIP)ʼ, ʻWeekly Systematic Investment Plan
(WSIP)ʼ, ʻMonthly Systematic Investment Plan (MSIP)ʼ and ʻQuarterly Systematic Investment Plan (QSIP)ʼ.
DSIP shall be triggered and processed only on all Business Days. WSIP shall be triggered on all Business Days between
Monday and Friday.
Mode of payment for DSIP installments shall be only through OTM Debit Mandate.
Minimum amount shall be as under:
For DSIP: ` 300 and in multiples of ` 1 thereafter (for open ended equity linked savings schemes - ` 500 and in
multiples of ` 500 thereafter);
For WSIP: ` 1000 and in multiples of ` 1 thereafter;
For MSIP: ` 500 and in multiples of ` 1 thereafter; and
For QSIP: ` 1,500 and in multiples of ` 1 thereafter.
Minimum number of installments under WSIP: 6
Minimum number of Installments under MSIP:
In respect of each SIP Installment less than ` 1,000/- in value: 12
In respect of each SIP Installment equal to or greater than ` 1,000/- in value: 6
Minimum number of installments under QSIP:
In respect of each SIP Installment less than ` 3,000/- in value: 4
In respect of each SIP Installment equal to or greater than ` 3,000/- in value: 2
There is no maximum duration for SIP enrolment.

March 31,
2022) 0.63% 0.15%
No Investment
Management and
Advisory Fees will be
charged to the Scheme

For complete scheme related information, refer SID/KIM or visit www.hdfcfund.com

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SIP Performance- HDFC Gold Fund- Regular Plan
SIP since inception* of ` 10,000 invested systematically on the first business day of every month
(total investment ` 12.50 lakhs) in HDFC Gold Fund would have grown to ` 18.57 Lakhs by March 31, 2022 (refer below table).

SIP Investments Since Inception* 10 year SIP 5 year SIP 3 year SIP 1 year SIP

Total Amount Invested (` in 000) 1,250.00 1200.00 600.00 360.00 120.00

Market Value as on March 31, 2022 (` in 000) 1,857.98 1,778.73 804.12 416.17 127.92
Returns (%) 7.38 7.64 11.67 9.66 12.53
Benchmark Returns(%)# 9.08 9.37 13.59 11.90 17.51
CAGR returns are computed after accounting for the cash flow by using XIRR method (investment internal rate of return). The above investment simulation is
for illustrative purposes only and should not be construed as a promise on minimum returns and safeguard of capital. SIP - Systematic Investment Plan. Since
Inception Date = Date of First allotment in the Scheme / Plan.

NAV as on March 31, 2022 is ` 16.0721 per unit

Value of investment of `10,000
` `
14.16 17.97 11,416 11,797
16.00 17.92 15,629 16,419
10.92 12.66 16,793 18,157
* 4.66 6.44 16,072 19,164
*Inception Date: November 1, 2011. The Scheme is managed by Mr. Krishan Kumar Daga since October 19, 2015.
#Benchmark Index: Domestic Price of Physical Gold. Currently, only growth option is offered under the above Plan. Since Inception Date = Date of First
allotment in the Scheme / Plan.

Performance of other funds managed by Mr. Krishan Kumar Daga, Fund Manager of HDFC Gold Fund
(who manages total 10 schemes which have completed 1 year)
Performance of Top 3 schemes managed by Mr. Krishan Kumar Daga

HDFC Arbitrage Fund - Wholesale+ 10-Sep-15 3.65 4.24 4.77

Benchmark-NIFTY 50 Arbitrage Index
3.82 4.06 4.38

HDFC SENSEX ETF^ 9-Dec-15 19.38 15.94 15.84

Benchmark-S&P BSE SENSEX (Total Returns Index) 19.50 16.06 15.94
HDFC NIFTY 50 ETF^ 9-Dec-15 20.17 15.63 14.99
Benchmark-NIFTY 50 (Total Returns Index) 20.26 15.82 15.14
Performance of Bottom 3 schemes managed by Mr. Krishan Kumar Daga

HDFC Multi - Asset Fund$ 23-May-18 15.66 13.68 10.32

Benchmark-90% NIFTY 50 Hybrid Composite Debt
15.40 14.62 13.09
65:35 Index + 10% Domestic Price of Gold
HDFC Index Fund-NIFTY 50 Plan^ 19-Oct-15 19.66 15.12 14.54
Benchmark-NIFTY 50 (Total Returns Index) 20.26 15.82 15.14
HDFC Index Fund - SENSEX Plan^ 19-Oct-15 18.91 15.38 15.30
Benchmark-S&P BSE SENSEX (Total Returns Index) 19.50 16.06 15.94
The above returns are of Regular Plan - Growth Option. Top 3 and bottom 3 schemes managed by the Fund Manager have been derived on the basis of since inception returns
vis-à-vis the benchmark. In case the benchmark is not available on the Schemeʼs inception date, the returns for the concerned scheme is considered from the date the
benchmark is available. On account of difference in the type of the Scheme, asset allocation, investment strategy, inception dates, the performance of these schemes is strictly
not comparable. $The Scheme formerly, a debt oriented hybrid fund, has undergone change in Fundamental attributes w.e.f. May 23, 2018 and become a multi asset fund
investing in equities, debt and gold related instruments. Accordingly, the Schemeʼs benchmark has also changed. Hence, the performance of the Scheme from inception till
May 22, 2018 may not strictly be comparable with that of the new benchmark. The scheme is co-managed by Srinivasan Ramamurthy (Equities), Anil Bamboli (Debt), Krishan
Kumar Daga (Arbitrage), Bhagyesh Kagalkar (Gold) and Arun Agarwal (Arbitrage). +The scheme is co-managed by Krishan Kumar Daga, Arun Agarwal & Anil Bamboli. ^The
scheme is co-managed by Mr. Krishan Kumar Daga & Mr. Arun Agarwal.
Common notes for all the above tables:
Past performance may or may not be sustained in the future. N.A. - Not Applicable. Returns as on March 31, 2022. Different plans viz. Regular Plan and Direct Plan have
different expense structure. The expenses of the Direct Plan under the scheme will be lower to the extent of the distribution expenses/commission charged in the Regular
Plan. Returns greater than 1 year period are compounded annualized (CAGR). Load is not taken into consideration for computation of above performance(s).
Note: Investors in the Scheme shall bear the recurring expenses of the Scheme in addition to the expenses of other schemes in which this Fund of Funds scheme makes
investment (subject to regulatory limits).

MUTUAL FUND INVESTMENTS ARE SUBJECT TO MARKET RISKS, READ ALL SCHEME RELATED DOCUMENTS CAREFULLY.

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