Let experience guide you.

Presenting HDFC Prudence Fund, which invests in a combination of equity and debt instruments, and
has a rich experience of managing investors savings for over 20 years. Over these years, it has
successfully withstood market fluctuations, proving itself to be a fund you can trust.
So invest in experience and give your money the guiding hand it deserves.
Past performance may or may not be sustained in the future.
Allotment date: February 1, 1994.

Toll-free no.: 1800 3010 6767/ 1800 419 7676

PRUDENCE FUND
(An Open-ended Balanced Scheme)

HDFC PRUDENCE FUND

(An Open - ended Balanced Scheme)

This product is suitable for investors who are seeking*:

periodic income with capital appreciation and prevention

of capital erosion over long term

Riskometer

investment predominantly in equity and equity-related instruments

with balance exposure to debt and money market instruments

Investment Objective:
To provide periodic returns and capital appreciation over a long
period of time, from a judicious mix of equity and debt
investments, with the aim to prevent / minimise any capital
erosion. Under normal circumstances, it is envisaged that the
debt : equity mix would vary between 25:75 and 40:60
respectively. This mix may achieve the investment objective,
may result in regular income, capital appreciation and may also
prevent capital erosion.
Investment Strategy:
The Fund would invest in Debt instruments such as Government
securities, money market instruments, securitized debts,
corporate debentures and bonds, preference shares, quasi
Government bonds, and in equity shares. In the long term, the
mix between debt instruments and equity instruments is
targeted between 25:75 and 40:60 respectively. The exact mix
will be a function of interest rates, equity valuations, reserves
position and risk taking capacity of the portfolio.
In such times when the interest rates are high, investment in
debt would be generally more attractive versus equities and
accordingly the Fund is likely to increase the debt component in
the Scheme's portfolio. Similarly in times when the interest rates
are low and the equity valuations are cheap, the Scheme is likely
to reduce exposure to debt and increase exposure to equities. In
addition to debt and equities, the Scheme will also invest in
money market instruments. The exact proportion in money
market instruments will be a function of the liquidity needs and
the attractiveness of the debt/ equity markets. At times when
neither the debt market nor equities are attractive for
investment, more resources may be temporarily invested in
money market investments to be invested in debt/ equities at a
more appropriate time.
If the investment in equities and related instruments falls below
40% of the portfolio or rises above 75% of the portfolio of the
Scheme at any point in time, it would be endeavoured to review
and rebalance the composition.
Asset Allocation:
Under normal circumstances, the asset allocation (% of Net
Assets) of the Scheme's portfolio will be as follows:
Type of
Instruments
Equities & Equity
related instruments
Debt Securities,
Money Market
instruments*

Maximum
Minimum
Allocation
Allocation
(% of Net Assets) (% of Net Assets)
40
25

Risk
Profile

75

High

60

Low to
Medium

Fund Manager: Prashant Jain

(Dedicated Fund Manager for Overseas Investments:

Rakesh Vyas)

Scheme Features:
Plan/
Option

Investment Plans:

Regular Plan & Direct Plan

Investment Options: (Under Each Plan)

Growth & Dividend. Dividend Option offers Payout

and Reinvestment facility. Under the Dividend
Option, the Scheme has a monthly frequency for
dividend distribution.
Minimum
Purchase: ` 5,000 and any amount thereafter
Application Additional Purchase: ` 1,000 and any amount thereafter
Amount
(Under Each
Plan/Option)
Exit Load

In respect of each purchase / switch-in of units,

upto 15% of the units may be redeemed without any
exit load from the date of allotment.
Any redemption in excess of the above limit shall be
subject to the following exit load:
- Exit load of 1.00% is payable if units are redeemed /
switched-out within 1 year from the date of
allotment of units.
No Exit load is payable if units are redeemed /
switched out after 1 year from the date of allotment.

For further details, please refer to Scheme Information

Document and Key Information Memorandum

Why HDFC Prudence Fund?

One of the oldest balanced funds in the industry, with an
established track record of over 20 years
Strong emphasis on managing and controlling portfolio risk
Targets to assume higher risk only when justified by
potentially higher returns
Helps investors maintain their asset allocation discipline at all
times and not get carried away by the cycle of fear and greed
as a result of market swings
Ideal for investors looking to maintain their asset allocation
in a convenient, tax efficient and timely manner

* Investment in Securitised debt, if undertaken, would not exceed 10% of

the net assets of the Scheme.
2

HDFC PRUDENCE FUND

(An Open - ended Balanced Scheme)

Dividend History:
The Fund has paid dividends in each of last 18 years (since 1999 when fund turned open ended)
Total dividends paid in last 18 years aggregate to Rs 58 per unit

Dividend per unit (Rs)

NAV (Record Date)

Dividend Yield (%)

1999

2.0

17.7

11.3%

2001

0.9

12.7

7.1%

2000
2002
2003
2003
2004
2005
2006
2007
2008
2009
2010
2011
2012
2013
2014
2015

1.5
1.0
2.0
3.0
1.5
5.0
5.0
5.0
5.0
2.5
3.5
3.5
3.5
3.0
3.0
3.5

15.2
13.9

9.9%
7.2%

18.7

10.7%

20.2

7.4%

23.7

12.7%

25.3

19.8%

32.5

15.4%

30.5
33.5
17.4
31.2
31.3
29.5
27.5
25.7
35.4

16.4%
14.9%
14.4%
11.2%
11.2%
11.9%
10.9%
11.7%
9.9%

The dividend frequency has been changed to monthly dividend since January 2016
Monthly Dividend
Since Jan 2016

Dividend per unit (Rs)

NAV (Record Date)

Dividend Yield (%)

Jan-16

Feb-16

0.3

1%

Feb-16*

0.3

29.3

1.8

24.6

7%

Mar-16
Apr-16

May-16
Jun-16

* Special Dividend

0.3
0.3
0.3
0.3

24.6
26.9
28.2
27.4
28.4

1%
1%
1%
1%
1%

^Past performance may or may not be sustained in the future. There is no assurance or guarantee to the unit holders as to the rate/quantum of
dividend distribution nor that the dividends will be paid regularly. All dividends are on face value of `10 per Unit. After payment of the dividend,

the per Unit NAV falls to the extent of the payout and statutory levy, if any. Please log on to www.hdfcfund.com for Record Date-wise
listing of dividends declared.

HDFC PRUDENCE FUND

(An Open - ended Balanced Scheme)

SIP Performance

SIP Investment Returns

Total Amount Invested (` 000)

Market Value as on June 30, 2016 (` 000)

Returns (Annualised) (%)

Since
Inception

15 year
SIP

10 year
SIP

5 year
SIP

3 year
SIP

1 year
SIP

42,641.24

9,544.54

2,605.50

876.95

448.45

127.10

2,690.00

Benchmark Returns (Annualised) (%) #

Addl. Benchmark Ret. (Annualised) (%) ##

20.64
N.A.

11.79

1,800.00
19.98
N.A.

13.41

1,200.00
14.83
9.19
9.01

600.00
15.18

360.00
14.82

10.18

9.06

10.19

8.04

120.00
11.19
9.37
8.84

Past performance may or may not be sustained in the future. #CRISIL Balanced Fund - Aggressive Index ##Nifty 50 Index. N.A. Not
Available. Assuming ` 10,000 invested systematically on the first Business Day of every month over a period of time. CAGR returns are
computed after accounting for the cash flow by using XIRR method (investment internal rate of return) for Regular plan-Growth option. Load
is not taken into consideration for computation of performance. The above investment simulation is for illustrative purposes only and should
not be construed as a promise on minimum returns and safeguard of capital. The AMC/Mutual Fund is not guaranteeing or promising or
forecasting any returns. SIP does not assure a profit or guarantee protection against a loss in a declining market.

Product Performance Summary

Scheme

Inception Date

NAV
as on
30th Jun 2016

HDFC Prudence Fund$@

1-Feb-94

385.965

Discrete Returns in %

30th Jun 2015 to 30th Jun 2014 to 28th Jun 2013 to Since inception
30th Jun 2016
30th Jun 2015
30th Jun 2014
CAGR (in %)

Value of investment
of Rs. 10,000 since
inception (Rs.)

4.79

8.94

51.39

19.05

4,98,849

CRISIL Balanced Fund Index1

4.82

8.78

20.88

NA

NA

Nifty 50 Index2

-0.96

9.95

30.09

8.88

67,384

Other Funds Managed by Prashant Jain, Fund Manager of HDFC Prudence Fund
HDFC Equity Fund

-0.90

9.60

57.45

19.48

4,60,124

Nifty 500 Index1

1.21

11.71

36.64

9.45

69,808

Nifty 50 Index2

-0.96

9.95

30.09

NA

NA

0.59

7.35

48.63

20.76

4,13,304

S&P BSE 2001

0.41

12.01

34.23

13.03

1,12,065

S&P BSE SENSEX2

-2.81

9.31

30.83

11.48

85,428

-1.94

6.50

71.19

5.45

15,549

Nifty 500 Index1

1.21

11.71

36.64

7.16

17,772

Nifty 50 Index2

-0.96

9.95

30.09

6.79

17,265

7.87

9.36

18.15

11.08

37,253

CRISIL MIP Blended Fund Index1

8.63

11.05

8.24

7.77

25,528

Nifty 50 Index2

10.03

11.76

-2.46

5.32

19,131

HDFC Top 200 Fund$

HDFC Infrastructure Fund#

HDFC MIP Long Term Plan+^

1-Jan-95

11-Oct-96

10-Mar-08

26-Dec-03

460.124

338.966

15.549

37.2532

Past performance may or may not be sustained in the future. Returns greater than 1 year period are compounded annualised (CAGR). The above returns are of regular
plan - growth option. $All dividends declared prior to the splitting of the Scheme into Dividend & Growth Options are assumed to be reinvested in the units of the Scheme
at the then prevailing NAV (ex-dividend NAV). #The Scheme is co-managed by Prashant Jain and Srinivas Rao Ravuri. +The Scheme is co-managed by Prashant Jain (Equities)
and Shobhit Mehrotra (Debt). @Scheme performance may not strictly be comparable with that of its Additional Benchmark in view of balanced nature of the scheme where a
portion of scheme's investments are made in debt instruments. ^Scheme performance may not strictly be comparable with that of its Additional Benchmark in view of hybrid
nature of the scheme where a portion of scheme's investments are made in equity instruments. 1. Benchmark 2. Additional Benchmark

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