Should I invest in HDFC Children Gift Fund-Savings?

We don't give personal investment advice. HDFC Children Gift Fund-Savings is suitable for an investor whose:understands what asset class this scheme actually invests in (check the factsheet)matches that asset class's volatility profile to their goal horizonCross-check the numbers above against alternatives before deciding. Worst 5-year drawdown: 5.2%. 5-year CAGR: 11.07%.

HDFC

HDFC Children Gift Fund-Savings

Latest NAV

₹44.0722

As of

18 Oct 2017

2,803 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.

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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	-0.16%	+0.32%	-0.48	8 / 8	Q4
1W	+0.37%	+0.02%	+0.35	2 / 8	Q1
2W	+0.60%	+0.23%	+0.37	2 / 8	Q1
1M	+0.01%	+1.04%	-1.03	7 / 8	Q4
3M	+0.14%	+1.96%	-1.82	8 / 8	Q4
6M	+4.41%	-0.13%	+4.54	1 / 8	Q1
YTD	+7.10%	-1.40%	+8.50	1 / 8	Q1
1Y	+7.02%	-1.60%	+8.62	1 / 8	Q1
2Y	+9.70%	+0.75%	+8.95	1 / 8	Q1
3Y	+10.10%	+9.13%	+0.97	2 / 8	Q1
4Y	+13.23%	+11.36%	+1.87	2 / 8	Q1
5Y	+11.07%	+9.44%	+1.63	2 / 8	Q1
7Y	+10.42%	+11.81%	-1.39	6 / 8	Q3
10Y	+10.59%	+10.39%	+0.20	5 / 8	Q3
Inception	+9.86%	+8.79%	+1.06	5 / 8	Q3

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
2017 YTD	+7.10%	+23.30%	-16.20	8 / 8
2016	+11.54%	+7.55%	+3.99	1 / 8
2015	+5.40%	+5.40%	+0.00	1 / 1
2014	+24.65%	+24.65%	+0.00	1 / 1
2013	+5.15%	+5.15%	+0.00	1 / 1
2012	+12.47%	+12.47%	+0.00	1 / 1
2011	+4.98%	+4.98%	+0.00	1 / 1
2010	+12.39%	+12.39%	+0.00	1 / 1
2009	+22.96%	+22.96%	+0.00	1 / 1
2008	-6.30%	-6.30%	+0.00	1 / 1
2007	+15.51%	+15.51%	+0.00	1 / 1

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

+10.85%

129 windows

min -6.9% · max 27.7%

94% positive

3-Year rolling

+11.13%

105 windows

min 3.3% · max 15.8%

100% positive

5-Year rolling

+10.85%

80 windows

min 9.0% · max 12.2%

100% positive

7-Year rolling

+10.87%

56 windows

min 8.6% · max 13.1%

100% positive

Limited basis — fund is young, so this average may be skewed by which 7Y windows happen to be available.

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

4.07%

3-year · annualised

Sharpe ratio

0.82

vs risk-free 6.5%

Sortino ratio

2.75

Downside-only deviation

Max drawdown

-3.66%

Jan 2016 → Feb 2016

% positive months

75.0%

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 Children's Fund

Scheme	Fund house	NAV	As of
HDFC Children Gift Fund-Investment	HDFC	₹292.6050	17 Jul 2026
ICICI Prudential Child Care- Gift Plan	ICICI Prudential	₹328.7400	17 Jul 2026
UTI C C BALANCED FUND	UTI	₹40.6505	17 Jul 2026
LICMF Children Fund	LIC	₹33.2941	17 Jul 2026
Tata Young Citizen [After 7 years]	Tata	₹57.2872	17 Jul 2026

Recent NAVs

Date	NAV
18 Oct 2017	₹44.0722
17 Oct 2017	₹44.1426
16 Oct 2017	₹44.1386
13 Oct 2017	₹44.0968
12 Oct 2017	₹44.0204
11 Oct 2017	₹43.9098
10 Oct 2017	₹43.9689
9 Oct 2017	₹43.9097
6 Oct 2017	₹43.8903
5 Oct 2017	₹43.7994

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 18 Oct 2017, the NAV of HDFC Children Gift Fund-Savings is ₹44.0722. It's a Children's Fund from HDFC, run as a Unknown plan IDCW (dividend) option. NAVs update once per business day from the AMFI feed.

HDFC Children Gift Fund-Savings 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 Children Gift Fund-Savings is managed by HDFC. It's classified by AMFI under the 'Children's Fund' SEBI category, which determines its peer set and tax treatment.

Over the trailing 1-year window, HDFC Children Gift Fund-Savings has delivered a absolute return of 7.02% — +8.62 pp ahead of the Children's Fund category average of -1.60%. The fund ranks #1 of 8 in its category — the top (Q1) quartile.

Over the trailing 3-year window, HDFC Children Gift Fund-Savings has delivered a CAGR of 10.10% — +0.97 pp ahead of the Children's Fund category average of 9.13%. The fund ranks #2 of 8 in its category — the top (Q1) quartile.

Over the trailing 5-year window, HDFC Children Gift Fund-Savings has delivered a CAGR of 11.07% — +1.63 pp ahead of the Children's Fund category average of 9.44%. The fund ranks #2 of 8 in its category — the top (Q1) quartile.

₹1 lakh invested in HDFC Children Gift Fund-Savings exactly 10 years ago would be worth approximately ₹273,622 today — a multiplier of 2.74×, based on the 10-year CAGR of 10.59%. The category average over the same window would have grown ₹1 lakh to ₹268,650.

A ₹10,000 monthly SIP in HDFC Children Gift Fund-Savings over the last 5 years — total invested ₹600,000 — would be worth ₹796,778 today. That's an XIRR (money-weighted annualised return) of 11.28%.

A ₹10,000 monthly SIP for 10 years in HDFC Children Gift Fund-Savings = ₹1,200,000 invested. It would currently be worth ₹2,136,963 (multiplier 1.78×). XIRR: 11.10%. Long-horizon SIP results matter more than point-to-point returns because they smooth out entry timing.

On a 5-year basis, HDFC Children Gift Fund-Savings ranks #2 out of 8 funds in the Children's Fund category — that places it in the top quartile (Q1) — strong outperformance. The category average return over the same window is 9.44%; this fund delivered 11.07%.

The worst peak-to-trough decline HDFC Children Gift Fund-Savings has experienced over the last 5-year window is 5.23% — its NAV fell from a high on 20 May 2013 to a low on 19 Aug 2013. 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 Children Gift Fund-Savings averaged 10.85% (best 12.21%, worst 8.97%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is 0.87 — reasonable risk-adjusted performance.

In calendar year 2016, HDFC Children Gift Fund-Savings returned 11.54% — beating the Children's Fund category average of 7.55% by 3.99 pp. It ranked #1 of 8 in its category that year.

HDFC Children Gift Fund-Savings doesn't fit cleanly into the standard Equity/Debt buckets in our taxonomy. Tax treatment depends on actual asset allocation as disclosed by the AMC — check the factsheet or AMFI's classification table.

We don't give personal investment advice. HDFC Children Gift Fund-Savings is suitable for an investor whose:

understands what asset class this scheme actually invests in (check the factsheet)
matches that asset class's volatility profile to their goal horizon

Cross-check the numbers above against alternatives before deciding. Worst 5-year drawdown: 5.2%. 5-year CAGR: 11.07%.

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

HDFC Children Gift Fund-Savings

NAV history & peer comparison

Returns matrix

Calendar-year returns

Rolling returns

SIP returns — historical "what if"

Risk profile

Peers in Children's Fund

Recent NAVs

Frequently asked questions

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