Should I invest in HDFC Capital Builder Fund?

We don't give personal investment advice. HDFC Capital Builder Fund - Dividend Option is suitable for an investor whose:time horizon is **5+ years** — equity funds can drop 30-50% in bad years; horizons under 5 years materially raise the risk of selling at a lossrisk tolerance accepts seeing the portfolio fall sharply without panic-sellinggoal isn't capital preservation in the short termCross-check the numbers above against alternatives before deciding. Worst 5-year drawdown: 27.2%. 5-year CAGR: 6.18%.

HDFC

HDFC Capital Builder Fund - Dividend Option

Latest NAV

₹34.2310

As of

3 Jun 2026

4,963 NAV records on file

NAV history & peer comparison

All NAVs split-adjusted and normalised to 100 at the start of the selected period, so funds with very different absolute NAV scales can be compared on one axis.

Period

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Returns matrix

Fund return alongside the category average and peer rank for every standard window. Returns under one year are absolute; one year and longer are compound annualised (CAGR).

Window	Fund	Category avg	+/− vs avg	Rank	Quartile
1D	+0.42%	+0.06%	+0.35	7 / 16	Q2
1W	-1.65%	-1.66%	+0.01	5 / 16	Q2
2W	+0.27%	-0.20%	+0.48	5 / 16	Q2
1M	-1.43%	-1.79%	+0.36	5 / 16	Q2
3M	-1.37%	-3.49%	+2.12	3 / 16	Q1
6M	-4.22%	-8.14%	+3.92	1 / 16	Q1
YTD	-4.58%	-8.27%	+3.70	1 / 16	Q1
1Y	+1.72%	-4.01%	+5.73	2 / 16	Q1
2Y	+0.11%	-0.75%	+0.86	8 / 16	Q2
3Y	+10.11%	+11.82%	-1.71	12 / 16	Q3
4Y	+9.05%	+12.84%	-3.79	13 / 16	Q4
5Y	+6.18%	+11.31%	-5.13	13 / 16	Q4
7Y	+4.04%	+11.80%	-7.76	15 / 16	Q4
10Y	+3.32%	+11.07%	-7.75	15 / 16	Q4
Inception	+1.66%	+9.59%	-7.93	16 / 16	Q4

Quartile legend: Q1 top 25% Q2 25-50% Q3 50-75% Q4 bottom 25%

Calendar-year returns

Full-year performance vs category average. Current year is partial (year-to-date).

Year	Fund	Category avg	+/− vs avg	Rank
2026 YTD	-4.58%	-8.27%	+3.70	1 / 16
2025	-0.81%	+3.06%	-3.86	12 / 16
2024	+10.77%	+17.61%	-6.84	13 / 16
2023	+18.14%	+29.56%	-11.42	15 / 16
2022	-7.18%	+5.08%	-12.26	16 / 16
2021	+21.28%	+32.61%	-11.33	13 / 16
2020	-1.49%	+11.98%	-13.47	16 / 16
2019	-11.98%	-0.12%	-11.86	15 / 16
2018	-15.33%	-9.17%	-6.16	13 / 16
2017	+26.59%	+32.01%	-5.43	9 / 16
2016	-8.76%	+3.68%	-12.43	15 / 16

Rolling returns

Removes start-date bias by averaging CAGR over every overlapping N-year window in the fund's history. Higher average plus tight min/max plus high "% positive" = consistent.

1-Year rolling

+5.11%

234 windows

min -61.5% · max 91.3%

52% positive

3-Year rolling

+2.38%

210 windows

min -20.2% · max 20.2%

62% positive

5-Year rolling

+2.02%

185 windows

min -12.9% · max 15.3%

59% positive

7-Year rolling

+1.55%

161 windows

min -4.3% · max 10.3%

75% positive

SIP returns — historical "what if"

If you had invested every month in this fund over the chosen period, this is what your investment would be worth today.

Period

Total invested

₹ —

Today's value

₹ —

XIRR

Annualised

Wealth multiplier

Period	Total invested	Today's value	XIRR	Wealth multiplier

XIRR is the annualised internal rate of return on the SIP cash flow — invariant to the monthly amount. "Today's value" and "Total invested" scale linearly with the slider. Past performance does not guarantee future returns. Excludes exit load and taxes.

Risk profile

Risk-adjusted return and volatility, computed from monthly NAV returns over the trailing 3-year and 5-year windows.

Std deviation

16.30%

3-year · annualised

Sharpe ratio

0.28

vs risk-free 6.5%

Sortino ratio

0.39

Downside-only deviation

Max drawdown

-25.25%

Sep 2024 → Feb 2025

% positive months

61.1%

Share of monthly returns > 0 over the 3-year window

Sharpe / Sortino use a risk-free rate of 6.5% (1-year T-bill proxy). Higher Sharpe = more return per unit of total risk; higher Sortino = more return per unit of downside risk.

Peers in Value Fund

Scheme	Fund house	NAV	As of
HDFC Capital Builder Fund - Growth Option	HDFC	₹735.1100	3 Jun 2026
ICICI Prudential Discovery Fund-DIVIDEND OPTION	ICICI Prudential	₹34.1000	3 Jun 2026
Quantum Long-Term Equity Fund-Dividend Plan	Quantum	₹122.7000	3 Jun 2026
Templeton India Growth Fund-Dividend Plan	Franklin Templeton	₹90.0766	3 Jun 2026
UTI Opportunities Fund-Dividend Option	UTI	₹46.3652	3 Jun 2026
IDFC Small & Midcap Equity (SME) Fund - Dividend	IDFC	₹35.7790	3 Jun 2026
JM Basic Fund - Dividend Plan	JM Financial	₹63.2470	3 Jun 2026
Tata Equity P/E Fund (Dividend)	Tata	₹112.2523	3 Jun 2026

Recent NAVs

Date	NAV
3 Jun 2026	₹34.2310
2 Jun 2026	₹34.3280
1 Jun 2026	₹34.1860
29 May 2026	₹34.4590
27 May 2026	₹34.9290
26 May 2026	₹34.9040
25 May 2026	₹34.9450
22 May 2026	₹34.5280
21 May 2026	₹34.3760
20 May 2026	₹34.2840

Frequently asked questions

These answers are generated from this fund's live metrics — NAV, returns, peer rank, drawdown, SIP backtest. Numbers refresh nightly after AMFI's NAV feed lands.

As of 03 Jun 2026, the NAV of HDFC Capital Builder Fund - Dividend Option is ₹34.2310. It's a Value Fund from HDFC, run as a Unknown plan Growth option. NAVs update once per business day from the AMFI feed.

HDFC Capital Builder Fund - Dividend Option has NAV history starting from 03 Apr 2006, a track record of about 20 years 2 months. Long-tenured funds like this have weathered multiple market cycles — the 2008 crash, 2013 taper tantrum, 2020 COVID drawdown — which makes their returns more credible than a 3-year track record alone.

HDFC Capital Builder Fund - Dividend Option is managed by HDFC. It's classified by AMFI under the 'Value Fund' SEBI category, which determines its peer set and tax treatment.

Over the trailing 1-year window, HDFC Capital Builder Fund - Dividend Option has delivered a absolute return of 1.72% — +5.73 pp ahead of the Value Fund category average of -4.01%. The fund ranks #2 of 16 in its category — the top (Q1) quartile.

Over the trailing 3-year window, HDFC Capital Builder Fund - Dividend Option has delivered a CAGR of 10.11% — -1.71 pp behind the Value Fund category average of 11.82%. The fund ranks #12 of 16 in its category — the third (Q3) quartile.

Over the trailing 5-year window, HDFC Capital Builder Fund - Dividend Option has delivered a CAGR of 6.18% — -5.13 pp behind the Value Fund category average of 11.31%. The fund ranks #13 of 16 in its category — the bottom (Q4) quartile.

₹1 lakh invested in HDFC Capital Builder Fund - Dividend Option exactly 10 years ago would be worth approximately ₹138,682 today — a multiplier of 1.39×, based on the 10-year CAGR of 3.32%. The category average over the same window would have grown ₹1 lakh to ₹285,846.

A ₹10,000 monthly SIP in HDFC Capital Builder Fund - Dividend Option over the last 5 years — total invested ₹600,000 — would be worth ₹687,907 today. That's an XIRR (money-weighted annualised return) of 5.41%.

A ₹10,000 monthly SIP for 10 years in HDFC Capital Builder Fund - Dividend Option = ₹1,200,000 invested. It would currently be worth ₹1,516,937 (multiplier 1.26×). XIRR: 4.58%. Long-horizon SIP results matter more than point-to-point returns because they smooth out entry timing.

On a 5-year basis, HDFC Capital Builder Fund - Dividend Option ranks #13 out of 16 funds in the Value Fund category — that places it in the bottom quartile (Q4) — material underperformance. The category average return over the same window is 11.31%; this fund delivered 6.18%.

The worst peak-to-trough decline HDFC Capital Builder Fund - Dividend Option has experienced over the last 5-year window is 27.17% — its NAV fell from a high on 17 Jan 2022 to a low on 20 Jun 2022. Drawdown is a useful gauge of how much short-term pain you'd have endured to capture the long-term return.

Across all 5-year rolling windows, HDFC Capital Builder Fund - Dividend Option averaged 2.02% (best 15.27%, worst -12.90%). 59% of rolling windows ended positive. The 5-year Sharpe ratio is 0.08 — weak risk-adjusted performance.

In calendar year 2025, HDFC Capital Builder Fund - Dividend Option returned -0.81% — lagging the Value Fund category average of 3.06% by 3.86 pp. It ranked #12 of 16 in its category that year.

HDFC Capital Builder Fund - Dividend Option is classified as an Equity fund (at least 65% equity exposure). Tax rules (post Budget 2024): if you hold 12 months or more, gains are Long-Term and taxed at 12.5% on the amount exceeding ₹1.25 lakh per financial year. Held for under 12 months, gains are Short-Term and taxed at 20%. The ₹1.25 L exemption is per PAN per FY across all equity LTCG.

We don't give personal investment advice. HDFC Capital Builder Fund - Dividend Option is suitable for an investor whose:

time horizon is **5+ years** — equity funds can drop 30-50% in bad years; horizons under 5 years materially raise the risk of selling at a loss
risk tolerance accepts seeing the portfolio fall sharply without panic-selling
goal isn't capital preservation in the short term

Cross-check the numbers above against alternatives before deciding. Worst 5-year drawdown: 27.2%. 5-year CAGR: 6.18%.

Educational content only — not investment advice. Tax rules summarised above reflect Budget 2024; consult a qualified adviser before transacting.