Kotak Bond Short Term vs HDFC Short Term Debt Fund
Updated June 2026 · both Short Duration funds · metrics from AMFI NAVs
In short: HDFC Short Term Debt Fund has the higher 3-year return (+7.60%); HDFC Short Term Debt Fund has the better risk-adjusted return (Sharpe -0.64). This is analysis from past data, not a recommendation.
| Metric | Kotak Bond Short Term | HDFC Short Term Debt Fund |
|---|---|---|
| 1Y return | +4.97% | +5.38% |
| 3Y CAGR | +7.50% | +7.60% |
| 5Y CAGR | +6.46% | +6.57% |
| Sharpe ratio | -0.67 | -0.64 |
| Max drawdown | -1.3% | -0.9% |
| Volatility | 1.2% | 1.1% |
| Alpha | +0.55% | +0.60% |
| Expense ratio (Direct) | 0.39% | 0.39% |
| AUM | ₹17.2K Cr | ₹17.0K Cr |
Winner on each row highlighted (lower is better for expense ratio and volatility; max drawdown closer to zero is better). Computed from AMFI NAVs - see methodology. No paid placement.
FAQ
Which has the lower expense ratio?
HDFC Short Term Debt Fund has the lower Direct-plan expense ratio (0.39%), versus 0.39% for the other. Over long horizons a lower TER compounds into a meaningful difference.
Which has performed better over 3 years?
HDFC Short Term Debt Fund has the higher 3-year CAGR (+7.60%). Past performance does not predict future returns - check volatility and drawdown too, shown above.
How are these figures calculated?
All returns, risk metrics and alpha are computed independently from AMFI daily NAVs using a disclosed methodology. FindMF takes no commission and this comparison is not a recommendation.