HDFC FMP 1204D December 2022 vs Union Fixed Maturity Plan - Series 13 (1114 Days)
Direct Plan, Growth option · Data as on 13-04-2026
HDFC FMP 1204D December 2022 is a mutual fund and Union Fixed Maturity Plan - Series 13 (1114 Days) is a Debt fund. In the 3 years to 15-04-2026, HDFC FMP 1204D December 2022 (Direct) returned 7.0% a year and Union Fixed Maturity Plan - Series 13 (1114 Days) (Direct) returned 6.9% a year. HDFC FMP 1204D December 2022 charges 0.15% a year and Union Fixed Maturity Plan - Series 13 (1114 Days) 0.25% (Direct plans). Their portfolios overlap 58.9%: they hold 2 of the same securities.
HDFC FMP 1204D December 2022 is closed. It has not published a NAV since 13-04-2026. Its figures stop there.
Union Fixed Maturity Plan - Series 13 (1114 Days) is closed. It has not published a NAV since 15-04-2026. Its figures stop there.
HDFC FMP 1204D December 2022
- 3 year return
- 7.0%
- Expense ratio
- 0.15%
- NAV
- ₹12.54
Union Fixed Maturity Plan - Series 13 (1114 Days)
Debt
- 3 year return
- 6.9%
- Expense ratio
- 0.25%
- NAV
- ₹12.31
Which is better, HDFC FMP 1204D December 2022 or Union Fixed Maturity Plan - Series 13 (1114 Days)? Key differences
It depends on what you want from the fund. These are the differences in numbers, from the data on this page.
- HDFC FMP 1204D December 2022 returned more over 3 years: 7.0% a year against 6.9%.
- HDFC FMP 1204D December 2022 returned more over 1 year: 6.1% against 6.0%.
- HDFC FMP 1204D December 2022 costs less: 0.15% a year against 0.25% (Direct plans).
- Union Fixed Maturity Plan - Series 13 (1114 Days) swung less over 3 years: a standard deviation of 0.6% a year against 0.6%.
- Union Fixed Maturity Plan - Series 13 (1114 Days) fell less in its worst fall since 31-03-2023: −0.2% against −0.2%.
- HDFC FMP 1204D December 2022 is the larger fund: ₹56 Cr against ₹27 Cr.
- Their portfolios overlap 58.9%: 2 of the same holdings.
Past returns do not promise future returns. This page is information, not investment advice.
Key facts
From each fund's scheme summary document and AMFI
| Fact | HDFC FMP 1204D December 2022 | Union Fixed Maturity Plan - Series 13 (1114 Days) |
|---|---|---|
| Fund house | HDFC Mutual Fund | Union Mutual Fund |
| Category | Not available | Debt |
| AUM | ₹56 Cr (31-03-2026) | ₹27 Cr (30-04-2026) |
| NAV | ₹12.54 (Direct) | ₹12.31 (Direct) |
| Expense ratio (Direct) | 0.15% | 0.25% |
| Expense ratio (Regular) | Not available | 0.54% |
| Riskometer | Not available | Low |
| Benchmark | Not available | CRISIL Medium Duration Debt A-III Index. CRISIL Benchmark Disclaimer: CRISIL Indices are the sole property of CRISIL Lim |
| Launch date | Not available | 29-03-2023 |
| Minimum investment | Not available | ₹5,000 |
| Lock in | Not available | None |
| Fund managers | Not available | Devesh Thacker, Anindya Sarkar |
| Exit load | Not available | Nil |
HDFC FMP 1204D December 2022 vs Union Fixed Maturity Plan - Series 13 (1114 Days): Returns Comparison
Returns as on 15-04-2026. Up to one year they are absolute returns. Longer periods are a rate per year.
| Fund | 1M | 3M | 6M | 1Y | 3Y | 5Y | 10Y |
|---|---|---|---|---|---|---|---|
| HDFC FMP 1204D December 2022 (Direct) | +0.47% | +1.33% | +2.74% | +6.09% | +6.95% | -- | -- |
| Union Fixed Maturity Plan - Series 13 (1114 Days) (Direct) | +0.46% | +1.30% | +2.70% | +5.99% | +6.93% | -- | -- |
HDFC FMP 1204D December 2022 vs Union Fixed Maturity Plan - Series 13 (1114 Days): Year-wise Returns
| Year | HDFC FMP 1204D December 2022HDFC FMP 1204D December 2022 | Union Fixed Maturity Plan - Series 13 (1114 Days)Union Fixed Maturity Plan - Series 13 (1114 Days) |
|---|---|---|
| 2026to date | +1.55% | +1.52% |
| 2025 | +6.92% | +6.95% |
| 2024 | +7.58% | +7.59% |
| 2023 | +7.26% | -- |
HDFC FMP 1204D December 2022 vs Union Fixed Maturity Plan - Series 13 (1114 Days): Rolling Returns
Every holding period of both funds
Rolling returns
Every 1-year holding period, 491 of them, one for each trading day from 31-03-2024 to 13-04-2026: the yearly return (CAGR) of each, plotted on the day it ended. One lucky or unlucky start day cannot flatter or hide a fund.
HDFC FMP 1204D December 2022
Union Fixed Maturity Plan - Series 13 (1114 Days) (Direct)
to
May 2024Oct 2023
to
Oct 2024Feb 2024
to
Feb 2025Jun 2024
to
Jun 2025Oct 2024
to
Oct 2025Feb 2025
to
Feb 2026
How the periods spread
| Fund | Below 0% | 0-5% | 5-10% | 10-15% | 15-20% | 20-25% | Above 25% | Mean | Median | Lowest | Highest |
|---|---|---|---|---|---|---|---|---|---|---|---|
| HDFC FMP 1204D December 2022 | 0.0 | 0.0 | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 7.1% | 7.2% | 5.8% | 8.2% |
| Union Fixed Maturity Plan - Series 13 (1114 Days) | 0.0 | 0.0 | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 7.4% | 7.5% | 6.0% | 8.4% |
The table shows the % of periods in each return band; a darker cell holds more of them. Lumpsum: the yearly rate (CAGR) from a period's first NAV to its last. SIP: the XIRR of the monthly instalments. Every fund is measured over the days all of them have, from 31-03-2023. Past returns do not promise future returns.
HDFC FMP 1204D December 2022 vs Union Fixed Maturity Plan - Series 13 (1114 Days): SIP and Lumpsum Returns
What the same monthly or one-time investment would be worth in each fund today, from their own NAV history
Growth of an investment
₹10,000 on the first trading day of every month, from 01-03-2023 to 13-04-2026: 38 instalments, ₹3,80,000 in all.
| Investment | Invested | Value now | Gain | Return a year |
|---|---|---|---|---|
| HDFC FMP 1204D December 2022HDFC FMP 1204D December 2022 | ₹3,80,000 | ₹4,20,740 | ₹40,740 | 6.6% |
| Union Fixed Maturity Plan - Series 13 (1114 Days)Union Fixed Maturity Plan - Series 13 (1114 Days) (Direct) | ₹3,80,000 | ₹4,22,164 | ₹42,164 | 6.8% |
HDFC FMP 1204D December 2022HDFC FMP 1204D December 2022
Union Fixed Maturity Plan - Series 13 (1114 Days)Union Fixed Maturity Plan - Series 13 (1114 Days) (Direct)
Amount invested
From each plan's published NAV (Growth option), over the same days. Return a year: XIRR for a SIP, CAGR for a lumpsum, shown for a year or more. It does not include exit load, stamp duty or tax. Past returns do not promise future returns.
HDFC FMP 1204D December 2022 vs Union Fixed Maturity Plan - Series 13 (1114 Days): Risk and Drawdowns
How much each fund swings, and the worst fall over the same days
Risk and return
| Measure | HDFC FMP 1204D December 2022 (Direct) | Union Fixed Maturity Plan - Series 13 (1114 Days) (Direct) |
|---|---|---|
| Return (CAGR) | +5.83% | +5.99% |
| Standard deviation | 0.37% | 0.32% |
| Sharpe ratio | 0.99 | 1.75 |
| Sortino ratio | 1.69 | 3.20 |
| Maximum drawdown | −0.1% (09-05-2025) | −0.1% (09-05-2025) |
| Beta | -- | -- |
| Alpha | -- | -- |
From daily NAVs, 11-04-2025 to 13-04-2026. Standard deviation: how much the daily value swings, scaled to a year. Sharpe: return above the risk-free rate (NSE's overnight rate index) per unit of swing. Sortino: the same, counting only the falls. Beta and alpha compare each fund with its own benchmark's TRI.
| Measure | HDFC FMP 1204D December 2022 (Direct) | Union Fixed Maturity Plan - Series 13 (1114 Days) (Direct) |
|---|---|---|
| Return (CAGR) | +6.69% | +6.93% |
| Standard deviation | 0.62% | 0.55% |
| Sharpe ratio | 0.62 | 1.12 |
| Sortino ratio | 0.94 | 1.76 |
| Maximum drawdown | −0.2% (06-10-2023) | −0.2% (06-10-2023) |
| Beta | -- | -- |
| Alpha | -- | -- |
From daily NAVs, 13-04-2023 to 13-04-2026. Standard deviation: how much the daily value swings, scaled to a year. Sharpe: return above the risk-free rate (NSE's overnight rate index) per unit of swing. Sortino: the same, counting only the falls. Beta and alpha compare each fund with its own benchmark's TRI.
| Measure | HDFC FMP 1204D December 2022 (Direct) | Union Fixed Maturity Plan - Series 13 (1114 Days) (Direct) |
|---|---|---|
| Return (CAGR) | +6.83% | +7.04% |
| Standard deviation | 0.77% | 0.57% |
| Sharpe ratio | 0.66 | 1.29 |
| Sortino ratio | 1.01 | 2.11 |
| Maximum drawdown | −0.5% (22-02-2023) | −0.2% (06-10-2023) |
| Beta | -- | -- |
| Alpha | -- | -- |
From daily NAVs, 27-12-2022 to 13-04-2026. Standard deviation: how much the daily value swings, scaled to a year. Sharpe: return above the risk-free rate (NSE's overnight rate index) per unit of swing. Sortino: the same, counting only the falls. Beta and alpha compare each fund with its own benchmark's TRI.
Drawdowns
How far below its previous high each one was on every day: the falls an investor had to sit through. 0% means it was at a new high.
HDFC FMP 1204D December 2022
Union Fixed Maturity Plan - Series 13 (1114 Days) (Direct)
| Fund | Worst fall | High before it | Bottom | Back at the high | Time to climb back | Below its high today |
|---|---|---|---|---|---|---|
| HDFC FMP 1204D December 2022 | −0.2% | 25-09-2023 | 06-10-2023 | 13-10-2023 | 7 days | 0.0% |
| Union Fixed Maturity Plan - Series 13 (1114 Days) (Direct) | −0.2% | 25-09-2023 | 06-10-2023 | 12-10-2023 | 6 days | 0.0% |
From daily values since 31-03-2023, the first day every fund has.
Rolling standard deviation
Whether the swings have grown or calmed over time: the standard deviation of daily changes over every 1-year window, scaled to a year, plotted on the window's last day. Higher means a bumpier ride.
HDFC FMP 1204D December 2022
Union Fixed Maturity Plan - Series 13 (1114 Days) (Direct)
Whether the swings have grown or calmed over time: the standard deviation of daily changes over every 3-year window, scaled to a year, plotted on the window's last day. Higher means a bumpier ride.
HDFC FMP 1204D December 2022
Union Fixed Maturity Plan - Series 13 (1114 Days) (Direct)
HDFC FMP 1204D December 2022 vs Union Fixed Maturity Plan - Series 13 (1114 Days): Portfolio Overlap
From each fund's latest monthly portfolio: HDFC FMP 1204D December 2022, March 2026; Union Fixed Maturity Plan - Series 13 (1114 Days), March 2026
Holdings in common
- Overlap
- 58.9%
- Held by both
- 2
- Only in HDFC FMP 1204D December 2022
- 0
- Only in Union Fixed Maturity Plan - Series 13 (1114 Days)
- 0
| Security | % of HDFC FMP 1204D December 2022 | % of Union Fixed Maturity Plan - Series 13 (1114 Days) |
|---|---|---|
| 5.63% GOI MAT 120426 | 90.12% | 56.98% |
| 7.27% GOI MAT 080426 | 1.97% | 8.55% |
Overlap: for each holding both funds own, the smaller of its two weights, added up. 58.9% means 58.9% of each fund's money sits in positions the other also holds. Matched by ISIN. Cash and hedged positions are left out.
Largest holdings only in HDFC FMP 1204D December 2022
Every holding of this fund is also held by the other.
Largest holdings only in Union Fixed Maturity Plan - Series 13 (1114 Days)
Every holding of this fund is also held by the other.
Asset and sector split
Share of each fund, from its latest monthly portfolio
Asset allocation
| Asset | HDFC FMP 1204D December 2022 | Union Fixed Maturity Plan - Series 13 (1114 Days) |
|---|---|---|
| Equity | 0.0% | 0.0% |
| Debt | 92.1% | 65.5% |
| Cash and others | 7.9% | 34.5% |
HDFC FMP 1204D December 2022 vs Union Fixed Maturity Plan - Series 13 (1114 Days): Expense Ratio
What each plan charges a year, from AMFI's expense ratio file
| Charge | HDFC FMP 1204D December 2022 | Union Fixed Maturity Plan - Series 13 (1114 Days) |
|---|---|---|
| Total expense ratio (Direct) | 0.15% | 0.25% |
| Base expense ratio (Direct) | 0.13% | 0.17% |
| Total expense ratio (Regular) | Not available | 0.54% |
| Base expense ratio (Regular) | 0.34% | 0.42% |
The expense ratio comes out of the fund's assets every day, so every return on this page is already after it. Base expense ratio: the fund house's own fee. The total adds brokerage, transaction costs, and levies with GST.
HDFC FMP 1204D December 2022 vs Union Fixed Maturity Plan - Series 13 (1114 Days): Frequently Asked Questions
What is the difference between HDFC FMP 1204D December 2022 and Union Fixed Maturity Plan - Series 13 (1114 Days)?
HDFC FMP 1204D December 2022 is a mutual fund, Union Fixed Maturity Plan - Series 13 (1114 Days) is a Debt fund, run by HDFC Mutual Fund and Union Mutual Fund. Their portfolios overlap 58.9%. HDFC FMP 1204D December 2022 charges 0.15% a year and Union Fixed Maturity Plan - Series 13 (1114 Days) 0.25%.
Which has given higher returns, HDFC FMP 1204D December 2022 or Union Fixed Maturity Plan - Series 13 (1114 Days)?
Over 1 year: HDFC FMP 1204D December 2022 +6.09%, Union Fixed Maturity Plan - Series 13 (1114 Days) +5.99%. Over 3 years: HDFC FMP 1204D December 2022 +6.95% a year, Union Fixed Maturity Plan - Series 13 (1114 Days) +6.93% a year. As on 15-04-2026. Past returns do not promise future returns.
Which has the lower expense ratio, HDFC FMP 1204D December 2022 or Union Fixed Maturity Plan - Series 13 (1114 Days)?
HDFC FMP 1204D December 2022 charges less: 0.15% a year against 0.25%. These are the Direct plans' total expense ratios reported to AMFI.
How much do HDFC FMP 1204D December 2022 and Union Fixed Maturity Plan - Series 13 (1114 Days) overlap?
58.9%. They hold 2 of the same securities, the largest shared ones being 5.63% GOI MAT 120426, 7.27% GOI MAT 080426. From each fund's latest monthly portfolio.
Which is better for SIP, HDFC FMP 1204D December 2022 or Union Fixed Maturity Plan - Series 13 (1114 Days)?
Over the last 3 years, a monthly SIP of ₹10,000 from 03-04-2023 to 13-04-2026 grew to ₹4,08,377 in HDFC FMP 1204D December 2022 (XIRR 6.6% a year) and ₹4,09,864 in Union Fixed Maturity Plan - Series 13 (1114 Days) (XIRR 6.8% a year). Both received 37 instalments. Past returns do not promise future returns.
Can I invest in both HDFC FMP 1204D December 2022 and Union Fixed Maturity Plan - Series 13 (1114 Days)?
Yes. 58.9% of each fund's money sits in the same holdings, so a large part of the two investments would move together.
Sources: NAV and expense ratio from AMFI. Holdings from each fund house's monthly portfolio statement. Fund facts from each scheme summary document.
This page is information, not investment advice. Mutual fund investments are subject to market risks; read all scheme related documents carefully. Past returns do not promise future returns. Figures come from AMFI, NSE, BSE and each fund house's own documents.