Should I invest in HDFC Dividend Yield Fund?

We don't give personal investment advice. HDFC Dividend Yield Fund - IDCW 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: 29.9%. 5-year CAGR: 9.63%.

HDFC

HDFC Dividend Yield Fund - IDCW Plan

Latest NAV

₹19.8170

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%	+0.61%	-0.12	3 / 3	Q4
1W	+0.15%	+0.23%	-0.08	2 / 3	Q3
2W	+0.31%	+0.13%	+0.18	2 / 3	Q3
1M	+1.24%	+0.92%	+0.32	1 / 3	Q2
3M	+2.08%	+0.30%	+1.78	1 / 3	Q2
6M	-7.50%	-10.33%	+2.83	1 / 3	Q2
YTD	-8.81%	-11.24%	+2.43	1 / 3	Q2
1Y	-8.14%	-8.78%	+0.64	1 / 3	Q2
2Y	-8.80%	-9.05%	+0.25	2 / 3	Q3
3Y	+7.13%	+5.28%	+1.85	1 / 3	Q2
4Y	+11.76%	+8.23%	+3.53	1 / 3	Q2
5Y	+9.63%	+7.96%	+1.67	1 / 2	Q2
7Y	—	—	—	—	—
10Y	—	—	—	—	—
Inception	+13.03%	+6.61%	+6.42	1 / 3	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	-8.81%	-11.24%	+2.43	1 / 3
2025	-4.99%	-2.03%	-2.96	3 / 3
2024	+15.41%	+10.46%	+4.94	1 / 3
2023	+37.90%	+28.93%	+8.98	1 / 3
2022	-0.84%	-2.82%	+1.98	2 / 3
2021	+41.56%	+37.38%	+4.18	1 / 2
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

+13.87%

56 windows

min -11.9% · max 47.5%

64% positive

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

3-Year rolling

+17.46%

32 windows

min 7.1% · max 26.5%

100% positive

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

5-Year rolling

+12.51%

8 windows

min 9.6% · max 16.6%

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

17.02%

3-year · annualised

Sharpe ratio

0.11

vs risk-free 6.5%

Sortino ratio

0.15

Downside-only deviation

Max drawdown

-29.91%

Sep 2024 → Mar 2026

% 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 Dividend Yield Fund

Scheme	Fund house	NAV	As of
HDFC Dividend Yield Fund - IDCW Option Direct Plan	HDFC	₹21.7460	17 Jul 2026
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

Recent NAVs

Date	NAV
17 Jul 2026	₹19.8170
16 Jul 2026	₹19.7190
15 Jul 2026	₹19.7250
14 Jul 2026	₹19.6670
13 Jul 2026	₹19.7980
10 Jul 2026	₹19.7870
9 Jul 2026	₹19.5960
8 Jul 2026	₹19.4540
7 Jul 2026	₹19.8360
6 Jul 2026	₹19.8550

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 Plan is ₹19.8170. It's a Dividend Yield Fund from HDFC, run as a Unknown plan IDCW (dividend) option. NAVs update once per business day from the AMFI feed.

HDFC Dividend Yield Fund - IDCW 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 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 Plan has delivered a absolute return of -8.14% — +0.64 pp ahead of the Dividend Yield Fund category average of -8.78%. The fund ranks #1 of 3 in its category — the second (Q2) quartile.

Over the trailing 3-year window, HDFC Dividend Yield Fund - IDCW Plan has delivered a CAGR of 7.13% — +1.85 pp ahead of the Dividend Yield Fund category average of 5.28%. The fund ranks #1 of 3 in its category — the second (Q2) quartile.

Over the trailing 5-year window, HDFC Dividend Yield Fund - IDCW Plan has delivered a CAGR of 9.63% — +1.67 pp ahead of the Dividend Yield Fund category average of 7.96%. The fund ranks #1 of 2 in its category — the second (Q2) quartile.

₹1 lakh invested in HDFC Dividend Yield Fund - IDCW Plan exactly 5 years ago would be worth approximately ₹158,371 today — a multiplier of 1.58×, based on the 5-year CAGR of 9.63%. The category average over the same window would have grown ₹1 lakh to ₹146,650.

A ₹10,000 monthly SIP in HDFC Dividend Yield Fund - IDCW Plan over the last 5 years — total invested ₹600,000 — would be worth ₹694,308 today. That's an XIRR (money-weighted annualised return) of 5.78%.

HDFC Dividend Yield Fund - IDCW Plan doesn't yet have 10 years of NAVs. Over the longest available window (5-year SIP), ₹10,000/month would have grown to ₹694,308 — XIRR 5.78%.

On a 5-year basis, HDFC Dividend Yield Fund - IDCW Plan ranks #1 out of 2 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 7.96%; this fund delivered 9.63%.

The worst peak-to-trough decline HDFC Dividend Yield Fund - IDCW Plan has experienced over the last 5-year window is 29.91% — 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 Plan averaged 12.51% (best 16.55%, worst 9.63%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is 0.24 — weak risk-adjusted performance.

In calendar year 2025, HDFC Dividend Yield Fund - IDCW Plan returned -4.99% — lagging the Dividend Yield Fund category average of -2.03% by 2.96 pp. It ranked #3 of 3 in its category that year.

HDFC Dividend Yield Fund - IDCW 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 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: 29.9%. 5-year CAGR: 9.63%.

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