Should I invest in HDFC Dividend Yield Fund?

We don't give personal investment advice. HDFC Dividend Yield Fund - IDCW Option Direct Plan 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: 27.9%. 5-year CAGR: 11.47%.

HDFC

HDFC Dividend Yield Fund - IDCW Option Direct Plan

Latest NAV

₹21.7460

As of

17 Jul 2026

1,373 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	+0.50%	+0.36%	+0.14	5 / 12	Q2
1W	+0.18%	+0.01%	+0.17	5 / 12	Q2
2W	+0.35%	-0.02%	+0.37	3 / 12	Q1
1M	+1.32%	+0.56%	+0.76	5 / 12	Q2
3M	+2.34%	+1.44%	+0.90	5 / 12	Q2
6M	-6.44%	-2.19%	-4.24	9 / 12	Q3
YTD	-7.72%	-2.99%	-4.72	9 / 11	Q4
1Y	-6.56%	-1.02%	-5.54	9 / 11	Q4
2Y	-7.26%	-2.64%	-4.62	8 / 10	Q4
3Y	+8.82%	+11.16%	-2.34	7 / 10	Q3
4Y	+13.48%	+12.50%	+0.97	4 / 8	Q2
5Y	+11.47%	+10.64%	+0.83	3 / 7	Q2
7Y	—	—	—	—	—
10Y	—	—	—	—	—
Inception	+14.92%	+9.33%	+5.59	5 / 12	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	-7.72%	-2.99%	-4.72	9 / 11
2025	-3.45%	+2.90%	-6.36	9 / 11
2024	+16.84%	+15.42%	+1.42	3 / 10
2023	+39.80%	+32.76%	+7.04	1 / 8
2022	+1.27%	-0.45%	+1.71	4 / 8
2021	+43.99%	+35.42%	+8.57	1 / 5
2020	—	—	—	—

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

+15.71%

56 windows

min -10.4% · max 49.5%

70% positive

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

3-Year rolling

+19.31%

32 windows

min 8.8% · max 28.7%

100% positive

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

5-Year rolling

+14.39%

8 windows

min 11.5% · max 18.4%

100% positive

Limited basis — fund is young, so this average may be skewed by which 5Y windows happen to be available.

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

16.80%

3-year · annualised

Sharpe ratio

0.20

vs risk-free 6.5%

Sortino ratio

0.29

Downside-only deviation

Max drawdown

-27.92%

Sep 2024 → Mar 2026

% positive months

69.4%

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 Dividend Yield Fund

Scheme	Fund house	NAV	As of
SBI Dividend Yield Fund - Direct Plan - Income Distribution cum Capital Withdrawal (IDCW) Option	SBI	₹16.0366	17 Jul 2026
ICICI Prudential Dividend Yield Equity Fund Direct Plan IDCW Option	ICICI Prudential	₹25.5100	17 Jul 2026
Aditya Birla Sun Life Dividend Yield Fund -DIRECT - IDCW	Aditya Birla Sun Life	₹46.1500	17 Jul 2026
Franklin India Dividend Yield Fund - Direct - IDCW	Franklin India	₹26.8008	17 Jul 2026
Kotak Dividend Yield Fund - Direct - IDCW	Kotak	₹9.8040	17 Jul 2026
Baroda BNP Paribas Dividend Yield Fund - Direct Plan - IDCW Option	Baroda BNP Paribas	₹9.9064	17 Jul 2026
UTI Dividend Yield Fund - Direct Plan - IDCW	UTI	₹40.2790	17 Jul 2026
LIC MF Dividend Yield Fund-Direct Plan-IDCW	LIC	₹35.5517	17 Jul 2026
Sundaram Dividend Yield Fund (Formerly Known as Principal Dividend Yield Fund)- Direct Plan - Income Distribution CUM Capital Withdrawal Option	Sundaram	₹60.7606	17 Jul 2026
Tata Dividend Yield Fund-Direct Plan-IDCW Payout	Tata	₹21.3537	17 Jul 2026

Recent NAVs

Date	NAV
17 Jul 2026	₹21.7460
16 Jul 2026	₹21.6380
15 Jul 2026	₹21.6430
14 Jul 2026	₹21.5800
13 Jul 2026	₹21.7230
10 Jul 2026	₹21.7080
9 Jul 2026	₹21.4980
8 Jul 2026	₹21.3420
7 Jul 2026	₹21.7610
6 Jul 2026	₹21.7810

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 Dividend Yield Fund - IDCW Option Direct Plan is ₹21.7460. It's a Dividend Yield Fund from HDFC, run as a Direct plan IDCW (dividend) option. NAVs update once per business day from the AMFI feed.

HDFC Dividend Yield Fund - IDCW Option Direct Plan has NAV history starting from 18 Dec 2020, a track record of about 5 years 7 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 Dividend Yield Fund - IDCW Option Direct Plan is managed by HDFC. It's classified by AMFI under the 'Dividend Yield Fund' SEBI category, which determines its peer set and tax treatment.

Over the trailing 1-year window, HDFC Dividend Yield Fund - IDCW Option Direct Plan has delivered a absolute return of -6.56% — -5.54 pp behind the Dividend Yield Fund category average of -1.02%. The fund ranks #9 of 11 in its category — the bottom (Q4) quartile.

Over the trailing 3-year window, HDFC Dividend Yield Fund - IDCW Option Direct Plan has delivered a CAGR of 8.82% — -2.34 pp behind the Dividend Yield Fund category average of 11.16%. The fund ranks #7 of 10 in its category — the third (Q3) quartile.

Over the trailing 5-year window, HDFC Dividend Yield Fund - IDCW Option Direct Plan has delivered a CAGR of 11.47% — +0.83 pp ahead of the Dividend Yield Fund category average of 10.64%. The fund ranks #3 of 7 in its category — the second (Q2) quartile.

₹1 lakh invested in HDFC Dividend Yield Fund - IDCW Option Direct Plan exactly 5 years ago would be worth approximately ₹172,082 today — a multiplier of 1.72×, based on the 5-year CAGR of 11.47%. The category average over the same window would have grown ₹1 lakh to ₹165,796.

A ₹10,000 monthly SIP in HDFC Dividend Yield Fund - IDCW Option Direct Plan over the last 5 years — total invested ₹600,000 — would be worth ₹726,361 today. That's an XIRR (money-weighted annualised return) of 7.58%.

HDFC Dividend Yield Fund - IDCW Option Direct Plan doesn't yet have 10 years of NAVs. Over the longest available window (5-year SIP), ₹10,000/month would have grown to ₹726,361 — XIRR 7.58%.

On a 5-year basis, HDFC Dividend Yield Fund - IDCW Option Direct Plan ranks #3 out of 7 funds in the Dividend Yield Fund category — that places it in the second quartile (Q2) — above the median. The category average return over the same window is 10.64%; this fund delivered 11.47%.

The worst peak-to-trough decline HDFC Dividend Yield Fund - IDCW Option Direct Plan has experienced over the last 5-year window is 27.92% — its NAV fell from a high on 27 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 5-year rolling windows, HDFC Dividend Yield Fund - IDCW Option Direct Plan averaged 14.39% (best 18.44%, worst 11.47%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is 0.34 — weak risk-adjusted performance.

In calendar year 2025, HDFC Dividend Yield Fund - IDCW Option Direct Plan returned -3.45% — lagging the Dividend Yield Fund category average of 2.90% by 6.36 pp. It ranked #9 of 11 in its category that year.

HDFC Dividend Yield Fund - IDCW Option Direct Plan 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 Dividend Yield Fund - IDCW Option Direct Plan 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: 27.9%. 5-year CAGR: 11.47%.

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