HDFC vs Tata Mutual Fund: Which Mutual Fund House is Better for You?

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Last Updated: 14th October 2025 - 05:35 pm

4 min read

When it comes to investing in mutual funds, two of India’s most recognized AMCs—HDFC Mutual Fund and Tata Mutual Fund—stand out. Both have built trust among investors through decades of consistent performance and diversified investment schemes.

As of June 2025, HDFC AMC manages an impressive ₹8.37 lakh crore AUM, making it one of the largest fund houses in India. On the other hand, Tata Mutual Fund, with an AUM of ₹1.9 lakh crore, is known for its innovative product basket, ethical investment approach, and strong long-term equity performance.

So, whether you are planning to start a HDFC SIP ₹500 per month or explore Tata Mutual Fund ELSS for tax-saving, comparing these two AMCs will help you decide which suits your portfolio better.

About the AMC

About the AMCs HDFC Mutual Fund Tata Mutual Fund
Promoter / Backing Backed by HDFC Group, one of India’s most trusted financial institutions. Part of Tata Group, India’s oldest and most respected conglomerate.
AUM (as of June 2025) ₹8.37 lakh crore ₹1.9 lakh crore
Investment Focus Strong in Debt Funds, Hybrid Funds, and Equity Funds. Known for Equity Funds, Sustainability Funds, and Thematic Funds.
Investor Preference Offers reliable HDFC SIP plans with a wide retail investor base. Popular among long-term investors seeking Tata SIP opportunities.
Brand Strength Trusted brand name with wide distribution across India. Ethical investing approach with focus on long-term wealth creation.

Fund Categories Offered

Both AMCs offer a broad spectrum of investment schemes to cater to retail and institutional investors:

  • Equity Mutual Funds – Large Cap, Mid Cap, Small Cap, Multi-Cap, Sectoral & Thematic Funds.
  • Debt Mutual Funds – Overnight, Liquid, Ultra-Short Duration, Short Duration, Corporate Bond Funds.
  • Hybrid Funds – Aggressive Hybrid, Balanced Advantage Funds, Equity Savings Funds.
  • ELSS (Equity Linked Savings Scheme) – Tax-saving funds under Section 80C.
  • ETFs & Index Funds – Passive investment options linked to Nifty, Sensex, and other benchmarks.
  • Portfolio Management Services (PMS) – For HNIs seeking customized portfolio management.

Top Funds of HDFC and Tata Mutual Fund

Our comparison page allows you to compare mutual funds effortlessly, highlighting key differences and benefits.

Unique Strengths of Each AMC

HDFC Mutual Fund Strengths

  • Large Distribution Network: HDFC AMC has one of the widest reach, making it easy to Buy HDFC Mutual Fund online or offline.
  • Strong Debt Fund Portfolio: Popular in HDFC Debt Funds and hybrid categories, making it ideal for conservative investors.
  • Brand Trust: Being part of the HDFC Group gives unmatched credibility.
  • Wide SIP Book: Strong retail participation through Open SIP with HDFC Mutual Fund.
  • Versatility: Offers some of the Best HDFC Mutual Funds 2025 across categories—debt, equity, hybrid, and ELSS.
  • Portfolio Management: Caters to HNIs with specialized HDFC portfolio management schemes.

Tata Mutual Fund Strengths

  • Equity Focused AMC: Strong reputation in Tata Equity Funds, especially thematic and sector-based funds.
  • Ethical & Responsible Investing: Known for sustainability-driven funds and transparency in operations.
  • Strong SIP Book: Retail investors trust Tata Mutual Fund SIPs, with popular plans like Tata SIP ₹500 per month.
  • Innovative Schemes: Pioneered several thematic funds, like Tata Digital India Fund.
  • Tax-Saving Edge: Offers Top Tata Mutual Funds for tax saving through its ELSS products.
  • Consistent Returns: Over the years, Tata Mutual Fund returns have proven competitive in the equity segment.

Who Should Invest?

Choosing between HDFC Mutual Fund and Tata Mutual Fund depends on your investment style, goals, and risk appetite.

Choose HDFC Mutual Fund if you:

  • Prefer HDFC Debt Funds and hybrid products for conservative, stable growth.
  • Value the security of a large HDFC fund house with a proven track record.
  • Seek flexibility through options like Invest in HDFC through 5paisa and direct online platforms.
  • Want exposure to Best HDFC Equity Mutual Funds for long-term with consistent performance.

Choose Tata Mutual Fund if you:

  • Are a growth-oriented investor looking for Tata Equity Funds in mid-cap, small-cap, and thematic categories.
  • Wish to explore innovation through Tata AMC investment schemes like IT, Pharma, or Ethical Funds.
  • Want to start small with Tata Mutual Fund SIP ₹500 per month.
  • Are looking for Best Tata Mutual Funds 2025 for aggressive wealth creation.

Conclusion

Both HDFC Mutual Fund and Tata Mutual Fund are trusted AMCs with strong investor bases. HDFC AMC, with its massive ₹8.37 lakh crore AUM, is ideal for investors who want stability, conservative HDFC Debt Funds, and strong hybrid products backed by brand trust. On the other hand, Tata AMC, with ₹1.9 lakh crore AUM, is perfect for those seeking high-growth Tata Equity Funds, innovative themes, and tax-saving opportunities through ELSS.

In short:

HDFC MF - Conservative, stable, large fund house appeal.
Tata MF - Innovative, equity-driven, strong thematic play.

Both can complement each other in a diversified portfolio.

Explore our options in mutual fund and find one that aligns with your financial goals.

Frequently Asked Questions

Which AMC is better for SIP – HDFC or Tata? 

What is the AUM of HDFC and Tata Mutual Fund? 

Is HDFC Mutual Fund good for tax saving? 

Which Tata Mutual Fund is best for SIP? 

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