Should I invest in HDFC Childrens Fund Savings Plan?

We don't give personal investment advice. HDFC Childrens Fund Savings Plan-Direct Plan 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.

HDFC

HDFC Childrens Fund Savings Plan-Direct Plan

Latest NAV

₹45.8807

As of

18 Oct 2017

1,156 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	-0.16%	+0.33%	-0.49	9 / 9	Q4
1W	+0.39%	+0.20%	+0.19	2 / 9	Q1
2W	+0.64%	-1.30%	+1.94	3 / 9	Q2
1M	+0.08%	-0.31%	+0.39	6 / 9	Q3
3M	+0.37%	+0.06%	+0.30	6 / 9	Q3
6M	+4.88%	-1.20%	+6.07	1 / 9	Q1
YTD	+7.87%	-2.30%	+10.16	1 / 9	Q1
1Y	+7.99%	-1.02%	+9.00	1 / 9	Q1
2Y	+10.67%	+1.65%	+9.02	1 / 9	Q1
3Y	+11.05%	+8.91%	+2.13	2 / 8	Q1
4Y	+14.19%	+11.10%	+3.10	2 / 8	Q1
5Y	—	—	—	—	—
7Y	—	—	—	—	—
10Y	—	—	—	—	—
Inception	+12.13%	+11.37%	+0.77	4 / 9	Q2

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	+7.87%	+23.47%	-15.61	7 / 7
2016	+12.51%	+7.42%	+5.09	1 / 7
2015	+6.27%	+6.27%	+0.00	1 / 1
2014	+25.65%	+25.65%	+0.00	1 / 1
2013	+6.00%	+6.00%	+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

+14.08%

47 windows

min 0.9% · max 28.7%

100% positive

Limited basis — fund is young, so this average may be skewed by which 1Y windows happen to be available.

3-Year rolling

+13.55%

23 windows

min 11.0% · max 16.8%

100% positive

Limited basis — fund is young, so this average may be skewed by which 3Y windows happen to be available.

5-Year rolling

—

Insufficient history

7-Year rolling

—

Insufficient history

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

4.08%

3-year · annualised

Sharpe ratio

1.03

vs risk-free 6.5%

Sortino ratio

3.81

Downside-only deviation

Max drawdown

-3.54%

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 Childrens Fund - Direct Plan	HDFC	₹327.1310	17 Jul 2026
ICICI Prudential Children's Fund - Direct Plan	ICICI Prudential	₹364.1300	17 Jul 2026
ADITYA BIRLA SUN LIFE BAL BHAVISHYA YOJNA- Direct - IDCW	Aditya Birla Sun Life	₹19.0800	17 Jul 2026
UTI Children's Equity Fund - Direct Plan - IDCW	UTI	₹91.8379	17 Jul 2026
Axis Children's Fund - Lock in - Direct Plan - IDCW	Axis	₹27.8079	17 Jul 2026
Union Children's Fund - Direct Plan - IDCW Option	Union	₹13.2900	17 Jul 2026

Recent NAVs

Date	NAV
18 Oct 2017	₹45.8807
17 Oct 2017	₹45.9529
16 Oct 2017	₹45.9476
13 Oct 2017	₹45.9007
12 Oct 2017	₹45.8200
11 Oct 2017	₹45.7038
10 Oct 2017	₹45.7641
9 Oct 2017	₹45.7014
6 Oct 2017	₹45.6778
5 Oct 2017	₹45.5822

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 Childrens Fund Savings Plan-Direct Plan is ₹45.8807. It's a Children's Fund from HDFC, run as a Direct plan IDCW (dividend) option. NAVs update once per business day from the AMFI feed.

HDFC Childrens Fund Savings Plan-Direct Plan has NAV history starting from 01 Jan 2013, a track record of about 13 years 6 months. That's enough history to evaluate the fund across one or two market cycles. Look at rolling returns rather than point-to-point to judge consistency.

HDFC Childrens Fund Savings Plan-Direct Plan 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 Childrens Fund Savings Plan-Direct Plan has delivered a absolute return of 7.99% — +9 pp ahead of the Children's Fund category average of -1.02%. The fund ranks #1 of 9 in its category — the top (Q1) quartile.

Over the trailing 3-year window, HDFC Childrens Fund Savings Plan-Direct Plan has delivered a CAGR of 11.05% — +2.13 pp ahead of the Children's Fund category average of 8.91%. The fund ranks #2 of 8 in its category — the top (Q1) quartile.

HDFC Childrens Fund Savings Plan-Direct Plan doesn't have a complete 5-year window yet (we need at least 5 year of NAVs). Check the shorter-window returns above.

₹1 lakh invested in HDFC Childrens Fund Savings Plan-Direct Plan exactly 3 years ago would be worth approximately ₹136,941 today — a multiplier of 1.37×, based on the 3-year CAGR of 11.05%. The category average over the same window would have grown ₹1 lakh to ₹129,197.

A ₹10,000 monthly SIP in HDFC Childrens Fund Savings Plan-Direct Plan over the last 3 years — total invested ₹360,000 — would be worth ₹422,385 today. That's an XIRR (money-weighted annualised return) of 10.64%.

HDFC Childrens Fund Savings Plan-Direct Plan doesn't yet have 10 years of NAVs. Over the longest available window (3-year SIP), ₹10,000/month would have grown to ₹422,385 — XIRR 10.64%.

On a 3-year basis, HDFC Childrens Fund Savings Plan-Direct Plan 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 8.91%; this fund delivered 11.05%.

The worst peak-to-trough decline HDFC Childrens Fund Savings Plan-Direct Plan has experienced over the last 3-year window is 3.54% — its NAV fell from a high on 01 Jan 2016 to a low on 25 Feb 2016. Drawdown is a useful gauge of how much short-term pain you'd have endured to capture the long-term return.

Across all 3-year rolling windows, HDFC Childrens Fund Savings Plan-Direct Plan averaged 13.55% (best 16.76%, worst 11.05%). 100% of rolling windows ended positive. The 3-year Sharpe ratio is 1.03 — strong risk-adjusted performance.

In calendar year 2016, HDFC Childrens Fund Savings Plan-Direct Plan returned 12.51% — beating the Children's Fund category average of 7.42% by 5.09 pp. It ranked #1 of 7 in its category that year.

HDFC Childrens Fund Savings Plan-Direct Plan 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 Childrens Fund Savings Plan-Direct Plan 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.

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