I can't understand. Why try for "Aa Bail Mujhe Maar....?"
Are there no other SPIs available? Does all the world depend only on HDFC loan, HDFC Bank, HDFC MF, HDFC SIP, HDFC...sick!
The first rule is NEVER PUT ALL YOUR EGGS IN ONE BASKET.
Though used mainly for equities, it is usually true for all parts of life.
Check the site valueresearchonline dot com for anything and everything related to mutual funds, and take your own decision. It is your money any way, and you should be the only person taking decisions related to it.
Cheers and Good Luck. Merry Christmas to all readers.