HDFC Mutual Fund Reduces Minimum Daily SIP to ₹20 in Two Schemes From November 2
Indrashish Mitra
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Last Updated: 3rd November 2026 - 03:42 pm
Key Takeaways
HDFC Mutual Fund reduced the minimum daily SIP amount in HDFC Balanced Advantage Fund and HDFC Value Fund from ₹100 to ₹20, effective November 2, 2026.
The minimum number of daily SIP instalments increased from six to 30 under the revised arrangement.
The changes apply to eligible online daily SIP registrations in the two specified schemes and do not represent an industry-wide reduction in minimum SIP amounts.
HDFC Mutual Fund Revises Daily SIP Requirements
HDFC Mutual Fund has reduced the minimum investment amount for daily systematic investment plans in two schemes, introducing a lower instalment requirement from November 2, 2026.
The revision applies to HDFC Balanced Advantage Fund and HDFC Value Fund.
Under the updated arrangement, the minimum daily SIP contribution has been reduced to ₹20 from ₹100.
At the same time, the minimum required number of instalments has increased from six to 30.
The changes were communicated through a notice issued by HDFC Asset Management Company and reflected in the BSE StAR MF platform arrangements.
Revised Daily SIP Requirements
| Particulars | Earlier | Revised |
|---|---|---|
| Minimum daily SIP amount | ₹100 | ₹20 |
| Minimum number of instalments | 6 | 30 |
| Effective date | Previous arrangement | 2 November 2026 |
| Applicable schemes | HDFC Balanced Advantage Fund and HDFC Value Fund | Same two schemes |
The revised minimum amount is available in multiples of ₹1 above the ₹20 threshold.
The changes concern daily-frequency SIPs registered through eligible online channels, excluding physical transactions.
Other SIP terms remain unchanged unless separately notified by the fund house.
How the Minimum Commitment Changes
The revised instalment structure changes the amount investors must commit under a minimum-value daily SIP registration.
Previously, six instalments of ₹100 represented a minimum scheduled commitment of ₹600.
Under the revised arrangement, 30 instalments of ₹20 also amount to ₹600.
The lower daily contribution therefore does not reduce the total minimum scheduled amount across the prescribed instalments.
Instead, it spreads the amount over a larger number of instalments.
This distinction is relevant when comparing the earlier and revised structures.
Which Schemes Are Covered?
HDFC Balanced Advantage Fund is a hybrid mutual fund scheme that invests across equity and debt instruments in accordance with its investment mandate.
HDFC Value Fund is an equity-oriented scheme following a value-investing approach.
Although both schemes have the same revised daily SIP threshold, their portfolio strategies and risk characteristics differ.
The amendment relates to transaction requirements, rather than a change in either scheme's underlying investment objective.
The revised ₹20 minimum also should not be assumed to apply to every HDFC Mutual Fund scheme or to all SIP frequencies.
The change represents a targeted modification to the daily investment facility in two existing products.
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