I have a HDFC MF with Folio number 13049210 . I have been having this from past 2 years and I dont see any gains. I made an initial investment of Rs 20, 000 and today it shows Rs 17, 000 . They payout Dividend promptly however the whole point of investing in MF is gone if they are not able to make some profits. Not sure about the quality of fund managers they hire.