Should I invest in HDFC Consumption Fund?

We don't give personal investment advice. HDFC Consumption Fund - IDCW 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.

HDFC

HDFC Consumption Fund - IDCW Option

Latest NAV

₹13.5480

As of

17 Jul 2026

741 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	+0.27%	+0.04%	+0.23	17 / 36	Q2
1W	-0.48%	-0.07%	-0.40	25 / 36	Q3
2W	-1.38%	+0.01%	-1.39	31 / 36	Q4
1M	+1.63%	+1.77%	-0.14	18 / 36	Q2
3M	+2.96%	+3.53%	-0.57	19 / 36	Q3
6M	-2.68%	+1.51%	-4.19	27 / 36	Q3
YTD	-4.42%	-0.68%	-3.74	21 / 36	Q3
1Y	-5.08%	+1.30%	-6.38	25 / 34	Q3
2Y	-0.64%	-0.01%	-0.63	13 / 31	Q2
3Y	+10.61%	+10.89%	-0.27	13 / 28	Q2
4Y	—	—	—	—	—
5Y	—	—	—	—	—
7Y	—	—	—	—	—
10Y	—	—	—	—	—
Inception	+10.58%	+11.27%	-0.69	16 / 36	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
2026 YTD	-4.42%	-0.68%	-3.74	21 / 36
2025	-1.11%	+2.43%	-3.54	20 / 32
2024	+22.32%	+17.65%	+4.68	11 / 29
2023	—	—	—	—

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

+11.07%

25 windows

min -6.3% · max 50.2%

72% positive

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

3-Year rolling

+10.61%

1 window

min 10.6% · max 10.6%

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

14.73%

3-year · annualised

Sharpe ratio

0.32

vs risk-free 6.5%

Sortino ratio

0.48

Downside-only deviation

Max drawdown

-24.86%

Sep 2024 → Mar 2026

% positive months

58.3%

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 Sectoral/Thematic Fund

Scheme	Fund house	NAV	As of
HDFC Banking & Financial Services Fund - IDCW Option	HDFC	₹16.1530	17 Jul 2026
NIPPON INDIA - JAPAN EQUITY FUND - IDCW Option	Nippon India	₹27.0439	17 Jul 2026
ICICI Prudential Bharat Consumption Fund - IDCW Option	ICICI Prudential	₹15.2800	17 Jul 2026
Franklin India Multi-Factor Fund- IDCW	Franklin India	₹9.5442	17 Jul 2026
Kotak Infrastructure & Economic Reform Fund - Standard Plan-Payout of Income Distribution cum capital withdrawal option	Kotak	₹54.9950	17 Jul 2026
BANK OF INDIA Manufacturing & Infrastructure Fund-Quarterly IDCW	Bank of India	₹43.0600	17 Jul 2026
Franklin Build India Fund - IDCW		₹41.4023	17 Jul 2026
Groww Banking & Financial Services Fund-IDCW	Groww	₹13.5287	17 Jul 2026

Recent NAVs

Date	NAV
17 Jul 2026	₹13.5480
16 Jul 2026	₹13.5110
15 Jul 2026	₹13.5020
14 Jul 2026	₹13.4700
13 Jul 2026	₹13.5480
10 Jul 2026	₹13.6130
9 Jul 2026	₹13.5630
8 Jul 2026	₹13.4780
7 Jul 2026	₹13.7500
6 Jul 2026	₹13.7940

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 Consumption Fund - IDCW Option is ₹13.5480. It's a Sectoral/Thematic Fund from HDFC, run as a Unknown plan IDCW (dividend) option. NAVs update once per business day from the AMFI feed.

HDFC Consumption Fund - IDCW Option has NAV history starting from 12 Jul 2023, a track record of about 3 years. It's a relatively new scheme. With under 5 years of NAVs, peer comparison is the best yardstick — point-to-point returns can be skewed by entry timing.

HDFC Consumption Fund - IDCW Option is managed by HDFC. It's classified by AMFI under the 'Sectoral/Thematic Fund' SEBI category, which determines its peer set and tax treatment.

Over the trailing 1-year window, HDFC Consumption Fund - IDCW Option has delivered a absolute return of -5.08% — -6.38 pp behind the Sectoral/Thematic Fund category average of 1.30%. The fund ranks #25 of 34 in its category — the third (Q3) quartile.

Over the trailing 3-year window, HDFC Consumption Fund - IDCW Option has delivered a CAGR of 10.61% — -0.27 pp behind the Sectoral/Thematic Fund category average of 10.89%. The fund ranks #13 of 28 in its category — the second (Q2) quartile.

HDFC Consumption Fund - IDCW Option 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 Consumption Fund - IDCW Option exactly 3 years ago would be worth approximately ₹135,345 today — a multiplier of 1.35×, based on the 3-year CAGR of 10.61%. The category average over the same window would have grown ₹1 lakh to ₹136,340.

A ₹10,000 monthly SIP in HDFC Consumption Fund - IDCW Option over the last 3 years — total invested ₹360,000 — would be worth ₹378,306 today. That's an XIRR (money-weighted annualised return) of 3.25%.

HDFC Consumption Fund - IDCW Option doesn't yet have 10 years of NAVs. Over the longest available window (3-year SIP), ₹10,000/month would have grown to ₹378,306 — XIRR 3.25%.

On a 3-year basis, HDFC Consumption Fund - IDCW Option ranks #13 out of 28 funds in the Sectoral/Thematic Fund category — that places it in the second quartile (Q2) — above the median. The category average return over the same window is 10.89%; this fund delivered 10.61%.

The worst peak-to-trough decline HDFC Consumption Fund - IDCW Option has experienced over the last 3-year window is 24.86% — its NAV fell from a high on 23 Sep 2024 to a low on 31 Mar 2026. 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 Consumption Fund - IDCW Option averaged 10.61% (best 10.61%, worst 10.61%). 100% of rolling windows ended positive. The 3-year Sharpe ratio is 0.32 — weak risk-adjusted performance.

In calendar year 2025, HDFC Consumption Fund - IDCW Option returned -1.11% — lagging the Sectoral/Thematic Fund category average of 2.43% by 3.54 pp. It ranked #20 of 32 in its category that year.

HDFC Consumption Fund - IDCW 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 Consumption Fund - IDCW 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.

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