Should I invest in HDFC Capital Builder Fund?

We don't give personal investment advice. HDFC Capital Builder Fund - Growth 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: 18.7%. 5-year CAGR: 14.79%.

HDFC

HDFC Capital Builder Fund - Growth Option

Latest NAV

₹782.1820

As of

17 Jul 2026

4,994 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	+0.28%	+0.45%	-0.17	13 / 16	Q4
1W	-0.24%	-0.03%	-0.22	11 / 16	Q3
2W	+0.13%	+0.09%	+0.04	7 / 16	Q2
1M	+2.36%	+1.08%	+1.28	1 / 16	Q1
3M	+3.87%	+1.25%	+2.62	2 / 16	Q1
6M	+2.28%	-3.28%	+5.56	1 / 16	Q1
YTD	+1.25%	-4.78%	+6.02	2 / 16	Q1
1Y	+4.11%	-3.39%	+7.50	1 / 16	Q1
2Y	+4.02%	-2.52%	+6.55	1 / 16	Q1
3Y	+16.32%	+10.82%	+5.50	1 / 16	Q1
4Y	+18.11%	+13.84%	+4.27	3 / 16	Q1
5Y	+14.79%	+11.40%	+3.38	4 / 16	Q1
7Y	+15.91%	+13.47%	+2.44	7 / 16	Q2
10Y	+13.85%	+10.85%	+3.00	6 / 16	Q2
Inception	+13.37%	+9.73%	+3.64	4 / 16	Q1

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	+1.25%	-4.78%	+6.02	2 / 16
2025	+8.12%	+3.06%	+5.06	2 / 16
2024	+20.54%	+17.61%	+2.94	8 / 16
2023	+28.93%	+29.56%	-0.63	7 / 16
2022	+3.61%	+5.08%	-1.47	12 / 16
2021	+35.17%	+32.61%	+2.56	7 / 16
2020	+12.77%	+11.98%	+0.79	9 / 16
2019	-0.36%	-0.12%	-0.24	8 / 16
2018	-4.99%	-9.17%	+4.18	5 / 16
2017	+41.43%	+32.01%	+9.42	5 / 16
2016	+3.35%	+3.68%	-0.33	9 / 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

+17.44%

236 windows

min -54.6% · max 125.3%

79% positive

3-Year rolling

+14.92%

211 windows

min -6.6% · max 36.0%

95% positive

5-Year rolling

+14.36%

187 windows

min -0.2% · max 30.0%

99% positive

7-Year rolling

+13.94%

163 windows

min 8.3% · max 23.5%

100% 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

14.27%

3-year · annualised

Sharpe ratio

0.68

vs risk-free 6.5%

Sortino ratio

1.18

Downside-only deviation

Max drawdown

-18.52%

Sep 2024 → Feb 2025

% positive months

66.7%

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 - Dividend Option	HDFC	₹36.4230	17 Jul 2026
ICICI Prudential Discovery Fund-DIVIDEND OPTION	ICICI Prudential	₹35.3000	17 Jul 2026
Quantum Long-Term Equity Fund-Dividend Plan	Quantum	₹127.1400	17 Jul 2026
Templeton India Growth Fund-Dividend Plan	Franklin Templeton	₹92.7935	17 Jul 2026
UTI Opportunities Fund-Dividend Option	UTI	₹48.8502	17 Jul 2026
IDFC Small & Midcap Equity (SME) Fund - Dividend	IDFC	₹36.7440	17 Jul 2026
JM Basic Fund - Dividend Plan	JM Financial	₹65.4914	17 Jul 2026
Tata Equity P/E Fund (Dividend)	Tata	₹116.9476	17 Jul 2026

Recent NAVs

Date	NAV
17 Jul 2026	₹782.1820
16 Jul 2026	₹779.9980
15 Jul 2026	₹781.2670
14 Jul 2026	₹777.5830
13 Jul 2026	₹783.4700
10 Jul 2026	₹784.0890
9 Jul 2026	₹775.1560
8 Jul 2026	₹768.4010
7 Jul 2026	₹784.2680
6 Jul 2026	₹785.6770

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 17 Jul 2026, the NAV of HDFC Capital Builder Fund - Growth Option is ₹782.1820. 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 - Growth Option has NAV history starting from 03 Apr 2006, a track record of about 20 years 3 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 - Growth 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 - Growth Option has delivered a absolute return of 4.11% — +7.5 pp ahead of the Value Fund category average of -3.39%. The fund ranks #1 of 16 in its category — the top (Q1) quartile.

Over the trailing 3-year window, HDFC Capital Builder Fund - Growth Option has delivered a CAGR of 16.32% — +5.5 pp ahead of the Value Fund category average of 10.82%. The fund ranks #1 of 16 in its category — the top (Q1) quartile.

Over the trailing 5-year window, HDFC Capital Builder Fund - Growth Option has delivered a CAGR of 14.79% — +3.38 pp ahead of the Value Fund category average of 11.40%. The fund ranks #4 of 16 in its category — the top (Q1) quartile.

₹1 lakh invested in HDFC Capital Builder Fund - Growth Option exactly 10 years ago would be worth approximately ₹365,944 today — a multiplier of 3.66×, based on the 10-year CAGR of 13.85%. The category average over the same window would have grown ₹1 lakh to ₹280,219.

A ₹10,000 monthly SIP in HDFC Capital Builder Fund - Growth Option over the last 5 years — total invested ₹600,000 — would be worth ₹856,091 today. That's an XIRR (money-weighted annualised return) of 14.19%.

A ₹10,000 monthly SIP for 10 years in HDFC Capital Builder Fund - Growth Option = ₹1,200,000 invested. It would currently be worth ₹2,592,226 (multiplier 2.16×). XIRR: 14.72%. 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 - Growth Option ranks #4 out of 16 funds in the Value Fund category — that places it in the top quartile (Q1) — strong outperformance. The category average return over the same window is 11.40%; this fund delivered 14.79%.

The worst peak-to-trough decline HDFC Capital Builder Fund - Growth Option has experienced over the last 5-year window is 18.70% — 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 - Growth Option averaged 14.36% (best 30.01%, worst -0.17%). 99% of rolling windows ended positive. The 5-year Sharpe ratio is 0.56 — reasonable risk-adjusted performance.

In calendar year 2025, HDFC Capital Builder Fund - Growth Option returned 8.12% — beating the Value Fund category average of 3.06% by 5.06 pp. It ranked #2 of 16 in its category that year.

HDFC Capital Builder Fund - Growth 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 - Growth 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: 18.7%. 5-year CAGR: 14.79%.

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