You must determine how much return you will get by investing in the HDFC Mutual Fund scheme. You can calculate and get an approximation of your returns through the INDMoney HDFC Mutual Fund SIP and Lumpsum calculator to check whether the returns align with your financial plans or not.

Evaluate the HDFC Mutual Fund performance of the past 3 to 5 years for the specific mutual fund you are interested in. Consider investing in the HDFC Small Cap Fund, as it has been providing consistent returns for the past 3 years ranging from 31.79% to 33.06%.

Consider the qualifications and experience of the fund managers who manage the investment of the fund. A skilled manager can enhance your HDFC Mutual Fund returns through active management. Check the investment decisions made by Anil Bamboli, who handles around 24 HDFC MF schemes and has more than 25 years of work experience. 

Though there are many Asset Management Companies (AMCs), not everyone has been performing well. Look into the fund house’s reputation and track its past record of managing different mutual funds to ensure they have a solid history of managing funds effectively.

It is the cost of managing the mutual fund, including the fees of fund managers and operational expenses. Opting for funds with lower expense ratios can maximize your overall profits. This ratio ranges from 0.26% to 1.3% for mutual funds under HDFC AMC.

It is a fee that you have to pay if you withdraw from a particular HDFC Mutual Fund scheme before a specific time period. Not all mutual funds charge exit loads, so before investing in a mutual fund check their terms and conditions.

Download the INDmoney app and create your free investment account by completing your KYC ( Know Your Customer).

Once your Free investment account is ready, you can either search for HDFC Mutual Fund or go to the mutual fund section.

Choose any HDFC Mutual Fund by looking at aspects like past returns, volatility, downside capture ratio, AUM, Expense ratios and underlying stocks and sectors.

You can choose to set up SIP in any HDFC Mutual Fund or even invest as a lump sum. Once you are on the individual HDFC Mutual Fund page click from the bottom "One-time" for lump sum investment or "SIP" for a systematic investment plan. 

Choose the amount that you want to invest as SIP or LumpSum. 

Set up payments. If you choose to set up SIP in any HDFC Mutual Fund, you can do a free automatic pay set-up via bank mandate or UPI. If you choose to invest in a lump sum (one-time) then you can pay via UPI, net banking, NEFT or RTGS.