Should I invest in HDFC Dynamic Debt Fund - Normal IDCW?

We don't give personal investment advice. HDFC Dynamic Debt Fund - Normal IDCW - Direct Plan is suitable for an investor whose:time horizon matches the fund's modified duration — short-duration funds for 1-3 year goals, long-duration for 7+ yearsprimary goal is capital preservation or steady accrual, not high growthtax slab is moderate — high-slab investors should evaluate post-tax yield against tax-free alternatives (PPF, tax-free bonds)Cross-check the numbers above against alternatives before deciding. Worst 5-year drawdown: 2.6%. 5-year CAGR: 6.73%.

HDFC

HDFC Dynamic Debt Fund - Normal IDCW - Direct Plan

Latest NAV

₹21.1847

As of

3 Jun 2026

2,759 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	+0.05%	+17.32%	-17.27	28 / 68	Q2
1W	+0.11%	+14.16%	-14.06	48 / 70	Q3
2W	+0.52%	+15.97%	-15.45	18 / 69	Q2
1M	-0.04%	+15.90%	-15.94	51 / 69	Q3
3M	-0.25%	+15.94%	-16.19	42 / 69	Q3
6M	+1.25%	+17.09%	-15.84	23 / 69	Q2
YTD	+0.67%	+15.85%	-15.18	26 / 69	Q2
1Y	+0.75%	+18.41%	-17.66	28 / 69	Q2
2Y	+5.48%	+7.92%	-2.44	26 / 68	Q2
3Y	+6.34%	+2.85%	+3.50	21 / 63	Q2
4Y	+6.81%	+3.41%	+3.40	15 / 61	Q1
5Y	+6.73%	+3.09%	+3.64	6 / 56	Q1
7Y	+6.97%	+2.73%	+4.23	3 / 52	Q1
10Y	+6.57%	+2.66%	+3.91	9 / 41	Q1
Inception	+6.77%	+7.98%	-1.21	13 / 68	Q1

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	+0.67%	+0.03%	+0.63	17 / 55
2025	+5.52%	+2.58%	+2.94	12 / 57
2024	+9.31%	+4.34%	+4.97	13 / 57
2023	+7.77%	+1.22%	+6.54	4 / 60
2022	+2.83%	+21.54%	-18.71	21 / 59
2021	+8.13%	+0.27%	+7.86	4 / 55
2020	+9.64%	+3.18%	+6.46	10 / 52
2019	+3.98%	+2.95%	+1.03	19 / 53
2018	+4.67%	+3.55%	+1.12	19 / 47
2017	+2.53%	-1.08%	+3.62	9 / 44
2016	+15.50%	+6.39%	+9.11	3 / 44

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

+7.02%

128 windows

min -0.1% · max 17.2%

98% positive

3-Year rolling

+6.65%

104 windows

min 2.9% · max 8.8%

100% positive

5-Year rolling

+6.71%

79 windows

min 5.1% · max 8.0%

100% positive

7-Year rolling

+6.61%

55 windows

min 5.5% · max 7.4%

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

3.06%

3-year · annualised

Sharpe ratio

-0.09

vs risk-free 6.5%

Sortino ratio

-0.18

Downside-only deviation

Max drawdown

-2.59%

May 2025 → Aug 2025

% positive months

83.3%

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 Dynamic Bond Fund

Scheme	Fund house	NAV	As of
HDFC Dynamic Debt Fund - Half Yearly IDCW - Direct Plan	HDFC	₹13.6543	3 Jun 2026
NIPPON INDIA DYNAMIC BOND FUND - Direct Plan - IDCW Option	Nippon India	₹29.9231	3 Jun 2026
SBI Dynamic Bond Fund - Direct Plan - Income Distribution cum Capital Withdrawal Option (IDCW)	SBI	₹22.6379	3 Jun 2026
ICICI Prudential All Seasons Bond Fund - Direct Plan - Annual IDCW	ICICI Prudential	₹11.2620	3 Jun 2026
BANDHAN Dynamic Bond Fund-Direct Plan-Annual IDCW	Bandhan	₹11.7487	3 Jun 2026
Quantum Dynamic Bond Fund - Direct Plan Monthly IDCW	Quantum	₹10.1944	3 Jun 2026
Aditya Birla Sun Life Dynamic Bond Fund -Direct - IDCW	Aditya Birla Sun Life	₹12.9569	3 Jun 2026
Franklin India Dynamic Accrual Fund-Segregated Portfolio 3 (9.50% Yes Bank Ltd CO 23Dec21) - Direct IDCW	Franklin India	₹0.0000	3 Jun 2026
Mirae Asset Dynamic Bond Fund Direct IDCW	Mirae Asset	₹18.5922	3 Jun 2026
Kotak Dynamic Bond Fund - Direct Plan - Standard Income Distribution cum capital withdrawal option	Kotak	₹14.8223	3 Jun 2026

Recent NAVs

Date	NAV
3 Jun 2026	₹21.1847
2 Jun 2026	₹21.1999
1 Jun 2026	₹21.1888
29 May 2026	₹21.2045
27 May 2026	₹21.1755
26 May 2026	₹21.1776
25 May 2026	₹21.1785
22 May 2026	₹21.1282
21 May 2026	₹21.0989
20 May 2026	₹21.1148

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 03 Jun 2026, the NAV of HDFC Dynamic Debt Fund - Normal IDCW - Direct Plan is ₹21.1847. It's a Dynamic Bond Fund from HDFC, run as a Direct plan IDCW (dividend) option. NAVs update once per business day from the AMFI feed.

HDFC Dynamic Debt Fund - Normal IDCW - Direct Plan has NAV history starting from 18 Dec 2014, a track record of about 11 years 5 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 Dynamic Debt Fund - Normal IDCW - Direct Plan is managed by HDFC. It's classified by AMFI under the 'Dynamic Bond Fund' SEBI category, which determines its peer set and tax treatment.

Over the trailing 1-year window, HDFC Dynamic Debt Fund - Normal IDCW - Direct Plan has delivered a absolute return of 0.75% — -17.66 pp behind the Dynamic Bond Fund category average of 18.41%. The fund ranks #28 of 69 in its category — the second (Q2) quartile.

Over the trailing 3-year window, HDFC Dynamic Debt Fund - Normal IDCW - Direct Plan has delivered a CAGR of 6.34% — +3.5 pp ahead of the Dynamic Bond Fund category average of 2.85%. The fund ranks #21 of 63 in its category — the second (Q2) quartile.

Over the trailing 5-year window, HDFC Dynamic Debt Fund - Normal IDCW - Direct Plan has delivered a CAGR of 6.73% — +3.64 pp ahead of the Dynamic Bond Fund category average of 3.09%. The fund ranks #6 of 56 in its category — the top (Q1) quartile.

₹1 lakh invested in HDFC Dynamic Debt Fund - Normal IDCW - Direct Plan exactly 10 years ago would be worth approximately ₹188,928 today — a multiplier of 1.89×, based on the 10-year CAGR of 6.57%. The category average over the same window would have grown ₹1 lakh to ₹129,961.

A ₹10,000 monthly SIP in HDFC Dynamic Debt Fund - Normal IDCW - Direct Plan over the last 5 years — total invested ₹600,000 — would be worth ₹697,413 today. That's an XIRR (money-weighted annualised return) of 5.95%.

A ₹10,000 monthly SIP for 10 years in HDFC Dynamic Debt Fund - Normal IDCW - Direct Plan = ₹1,200,000 invested. It would currently be worth ₹1,657,629 (multiplier 1.38×). XIRR: 6.29%. Long-horizon SIP results matter more than point-to-point returns because they smooth out entry timing.

On a 5-year basis, HDFC Dynamic Debt Fund - Normal IDCW - Direct Plan ranks #6 out of 56 funds in the Dynamic Bond Fund category — that places it in the top quartile (Q1) — strong outperformance. The category average return over the same window is 3.09%; this fund delivered 6.73%.

The worst peak-to-trough decline HDFC Dynamic Debt Fund - Normal IDCW - Direct Plan has experienced over the last 5-year window is 2.59% — its NAV fell from a high on 28 May 2025 to a low on 26 Aug 2025. 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 Dynamic Debt Fund - Normal IDCW - Direct Plan averaged 6.71% (best 7.98%, worst 5.08%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is 0.03 — weak risk-adjusted performance.

In calendar year 2025, HDFC Dynamic Debt Fund - Normal IDCW - Direct Plan returned 5.52% — beating the Dynamic Bond Fund category average of 2.58% by 2.94 pp. It ranked #12 of 57 in its category that year.

HDFC Dynamic Debt Fund - Normal IDCW - Direct Plan is classified as a Debt fund. For units acquired on or after 1 April 2023, all gains are taxed at your income-tax slab rate regardless of holding period — there's no LTCG concession or indexation. For pre-April-2023 units, the old rules with indexation still apply on long-term gains.

We don't give personal investment advice. HDFC Dynamic Debt Fund - Normal IDCW - Direct Plan is suitable for an investor whose:

time horizon matches the fund's modified duration — short-duration funds for 1-3 year goals, long-duration for 7+ years
primary goal is capital preservation or steady accrual, not high growth
tax slab is moderate — high-slab investors should evaluate post-tax yield against tax-free alternatives (PPF, tax-free bonds)

Cross-check the numbers above against alternatives before deciding. Worst 5-year drawdown: 2.6%. 5-year CAGR: 6.73%.

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

HDFC Dynamic Debt Fund - Normal IDCW - Direct Plan

NAV history & peer comparison

Returns matrix

Calendar-year returns

Rolling returns

SIP returns — historical "what if"

Risk profile

Peers in Dynamic Bond Fund

Recent NAVs

Frequently asked questions

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