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

We don't give personal investment advice. HDFC Dynamic Debt Fund - Quarterly 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: 4.5%. 5-year CAGR: 2.26%.

HDFC

HDFC Dynamic Debt Fund - Quarterly IDCW - Direct Plan

Latest NAV

₹14.0581

As of

3 Jun 2026

3,239 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	27 / 68	Q2
1W	+0.11%	+14.16%	-14.06	49 / 70	Q3
2W	+0.52%	+15.97%	-15.45	17 / 69	Q1
1M	-0.04%	+15.90%	-15.94	55 / 69	Q4
3M	-0.96%	+15.94%	-16.90	55 / 69	Q4
6M	+0.17%	+17.09%	-16.91	41 / 69	Q3
YTD	-0.05%	+15.85%	-15.90	42 / 69	Q3
1Y	-2.63%	+18.41%	-21.03	54 / 69	Q4
2Y	+1.02%	+7.92%	-6.90	37 / 68	Q3
3Y	+1.43%	+2.85%	-1.42	29 / 63	Q2
4Y	+2.11%	+3.41%	-1.30	31 / 61	Q3
5Y	+2.26%	+3.09%	-0.84	25 / 56	Q2
7Y	+2.01%	+2.73%	-0.72	25 / 52	Q2
10Y	+1.29%	+2.66%	-1.37	20 / 41	Q2
Inception	+1.47%	+7.98%	-6.51	38 / 68	Q3

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	-0.05%	+0.03%	-0.08	31 / 55
2025	+1.41%	+2.58%	-1.17	28 / 57
2024	+2.79%	+4.34%	-1.55	28 / 57
2023	+2.65%	+1.22%	+1.43	26 / 60
2022	+0.12%	+21.54%	-21.42	39 / 59
2021	+4.03%	+0.27%	+3.76	9 / 55
2020	+2.77%	+3.18%	-0.40	28 / 52
2019	-1.72%	+2.95%	-4.68	45 / 53
2018	+1.24%	+3.55%	-2.32	38 / 47
2017	-2.43%	-1.08%	-1.35	29 / 44
2016	+5.21%	+6.39%	-1.18	24 / 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

+1.69%

152 windows

min -4.9% · max 8.8%

71% positive

3-Year rolling

+1.61%

128 windows

min -2.0% · max 5.2%

88% positive

5-Year rolling

+1.44%

103 windows

min 0.1% · max 3.0%

100% positive

7-Year rolling

+1.40%

79 windows

min 0.5% · max 2.4%

100% positive

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

3.74%

3-year · annualised

Sharpe ratio

-1.34

vs risk-free 6.5%

Sortino ratio

-1.78

Downside-only deviation

Max drawdown

-4.51%

May 2025 → Apr 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 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	₹14.0581
2 Jun 2026	₹14.0682
1 Jun 2026	₹14.0608
29 May 2026	₹14.0713
27 May 2026	₹14.0521
26 May 2026	₹14.0534
25 May 2026	₹14.0540
22 May 2026	₹14.0206
21 May 2026	₹14.0012
20 May 2026	₹14.0118

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 - Quarterly IDCW - Direct Plan is ₹14.0581. 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 - Quarterly IDCW - Direct Plan has NAV history starting from 01 Jan 2013, a track record of about 13 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 - Quarterly 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 - Quarterly IDCW - Direct Plan has delivered a absolute return of -2.63% — -21.03 pp behind the Dynamic Bond Fund category average of 18.41%. The fund ranks #54 of 69 in its category — the bottom (Q4) quartile.

Over the trailing 3-year window, HDFC Dynamic Debt Fund - Quarterly IDCW - Direct Plan has delivered a CAGR of 1.43% — -1.42 pp behind the Dynamic Bond Fund category average of 2.85%. The fund ranks #29 of 63 in its category — the second (Q2) quartile.

Over the trailing 5-year window, HDFC Dynamic Debt Fund - Quarterly IDCW - Direct Plan has delivered a CAGR of 2.26% — -0.84 pp behind the Dynamic Bond Fund category average of 3.09%. The fund ranks #25 of 56 in its category — the second (Q2) quartile.

₹1 lakh invested in HDFC Dynamic Debt Fund - Quarterly IDCW - Direct Plan exactly 10 years ago would be worth approximately ₹113,674 today — a multiplier of 1.14×, based on the 10-year CAGR of 1.29%. 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 - Quarterly IDCW - Direct Plan over the last 5 years — total invested ₹600,000 — would be worth ₹623,734 today. That's an XIRR (money-weighted annualised return) of 1.53%.

A ₹10,000 monthly SIP for 10 years in HDFC Dynamic Debt Fund - Quarterly IDCW - Direct Plan = ₹1,200,000 invested. It would currently be worth ₹1,301,686 (multiplier 1.08×). XIRR: 1.60%. 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 - Quarterly IDCW - Direct Plan ranks #25 out of 56 funds in the Dynamic Bond Fund category — that places it in the second quartile (Q2) — above the median. The category average return over the same window is 3.09%; this fund delivered 2.26%.

The worst peak-to-trough decline HDFC Dynamic Debt Fund - Quarterly IDCW - Direct Plan has experienced over the last 5-year window is 4.51% — its NAV fell from a high on 28 May 2025 to a low on 02 Apr 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 Dynamic Debt Fund - Quarterly IDCW - Direct Plan averaged 1.44% (best 3.01%, worst 0.11%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is -1.08 — negative risk-adjusted performance.

In calendar year 2025, HDFC Dynamic Debt Fund - Quarterly IDCW - Direct Plan returned 1.41% — lagging the Dynamic Bond Fund category average of 2.58% by 1.17 pp. It ranked #28 of 57 in its category that year.

HDFC Dynamic Debt Fund - Quarterly 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 - Quarterly 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: 4.5%. 5-year CAGR: 2.26%.

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