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

We don't give personal investment advice. HDFC Dynamic Debt Fund - Quarterly IDCW Option 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: 5.1%. 5-year CAGR: 0.67%.

HDFC

HDFC Dynamic Debt Fund - Quarterly IDCW Option

Latest NAV

₹12.7081

As of

24 Jul 2026

4,918 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	+0.07%	+0.10%	-0.03	11 / 28	Q2
1W	-0.19%	+0.08%	-0.28	21 / 28	Q3
2W	-0.44%	-0.01%	-0.42	19 / 28	Q3
1M	-0.65%	+0.50%	-1.16	26 / 28	Q4
3M	+1.22%	+1.86%	-0.64	23 / 28	Q4
6M	+1.21%	+3.81%	-2.60	22 / 28	Q4
YTD	+1.02%	+3.47%	-2.45	20 / 28	Q3
1Y	-0.20%	+5.02%	-5.22	23 / 28	Q4
2Y	+1.32%	+5.33%	-4.01	22 / 28	Q4
3Y	+1.90%	+5.01%	-3.11	20 / 28	Q3
4Y	+1.58%	+4.99%	-3.41	19 / 28	Q3
5Y	+0.67%	+3.98%	-3.31	20 / 27	Q3
7Y	+1.27%	+3.79%	-2.52	18 / 26	Q3
10Y	+0.34%	+3.78%	-3.44	19 / 25	Q4
Inception	+1.00%	+4.10%	-3.10	21 / 28	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	+1.02%	+2.22%	-1.20	14 / 18
2025	+0.69%	+3.45%	-2.76	12 / 18
2024	+2.84%	+6.04%	-3.20	12 / 18
2023	+1.45%	+4.34%	-2.89	13 / 18
2022	-1.34%	+3.05%	-4.39	18 / 22
2021	+3.02%	+2.73%	+0.29	9 / 24
2020	+1.58%	+4.46%	-2.88	18 / 27
2019	-2.63%	+4.44%	-7.07	27 / 27
2018	+0.46%	+3.44%	-2.98	21 / 27
2017	-3.24%	-0.70%	-2.53	20 / 28
2016	+4.13%	+8.38%	-4.25	22 / 28

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

+0.98%

236 windows

min -6.7% · max 11.1%

64% positive

3-Year rolling

+0.93%

211 windows

min -2.5% · max 4.4%

80% positive

5-Year rolling

+0.83%

187 windows

min -1.1% · max 2.6%

84% positive

7-Year rolling

+0.74%

163 windows

min -0.6% · max 2.0%

93% 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

3.36%

3-year · annualised

Sharpe ratio

-1.37

vs risk-free 6.5%

Sortino ratio

-1.99

Downside-only deviation

Max drawdown

-5.07%

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 - Growth Option	HDFC	₹92.8852	24 Jul 2026
NIPPON INDIA DYNAMIC BOND FUND - QUARTERLY IDCW Option	Nippon India	₹10.3483	24 Jul 2026
SBI Dynamic Bond Fund - REGULAR PLAN - Growth	SBI	₹37.5451	24 Jul 2026
ICICI Prudential All Seasons Bond Fund - Annual IDCW	ICICI Prudential	₹11.4892	24 Jul 2026
Franklin India Dynamic Accrual Fund- Segregated Portfolio 3 (9.50% Yes Bank Ltd CO 23Dec21) - IDCW	Franklin India	₹0.0000	24 Jul 2026
PGIM India Dynamic Bond Fund - Dividend Option - Quarterly	PGIM India	₹1,042.7801	24 Jul 2026
BANDHAN Dynamic Bond Fund - Regular Plan B - Growth	IDFC	₹35.6638	24 Jul 2026
NIPPON INDIA DYNAMIC BOND FUND - IDCW Option	Reliance	₹26.4440	24 Jul 2026
Union Dynamic Bond Fund - IDCW Option	Union	₹15.6839	24 Jul 2026
Birla Sun Life Dynamic Bond Fund-Discipline Advantage Plan-Growth	Birla Sun Life	₹33.5521	19 Jun 2026

Recent NAVs

Date	NAV
24 Jul 2026	₹12.7081
23 Jul 2026	₹12.6996
22 Jul 2026	₹12.7218
21 Jul 2026	₹12.7252
20 Jul 2026	₹12.7308
17 Jul 2026	₹12.7327
16 Jul 2026	₹12.7438
15 Jul 2026	₹12.7214
14 Jul 2026	₹12.7076
13 Jul 2026	₹12.7558

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 24 Jul 2026, the NAV of HDFC Dynamic Debt Fund - Quarterly IDCW Option is ₹12.7081. It's a Dynamic Bond Fund from HDFC, run as a Unknown plan IDCW (dividend) option. NAVs update once per business day from the AMFI feed.

HDFC Dynamic Debt Fund - Quarterly IDCW Option has NAV history starting from 03 Apr 2006, a track record of about 20 years 3 months. Long-tenured funds like this have weathered multiple market cycles — the 2008 crash, 2013 taper tantrum, 2020 COVID drawdown — which makes their returns more credible than a 3-year track record alone.

HDFC Dynamic Debt Fund - Quarterly IDCW Option 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 Option has delivered a absolute return of -0.20% — -5.22 pp behind the Dynamic Bond Fund category average of 5.02%. The fund ranks #23 of 28 in its category — the bottom (Q4) quartile.

Over the trailing 3-year window, HDFC Dynamic Debt Fund - Quarterly IDCW Option has delivered a CAGR of 1.90% — -3.11 pp behind the Dynamic Bond Fund category average of 5.01%. The fund ranks #20 of 28 in its category — the third (Q3) quartile.

Over the trailing 5-year window, HDFC Dynamic Debt Fund - Quarterly IDCW Option has delivered a CAGR of 0.67% — -3.31 pp behind the Dynamic Bond Fund category average of 3.98%. The fund ranks #20 of 27 in its category — the third (Q3) quartile.

₹1 lakh invested in HDFC Dynamic Debt Fund - Quarterly IDCW Option exactly 10 years ago would be worth approximately ₹103,469 today — a multiplier of 1.03×, based on the 10-year CAGR of 0.34%. The category average over the same window would have grown ₹1 lakh to ₹144,935.

A ₹10,000 monthly SIP in HDFC Dynamic Debt Fund - Quarterly IDCW Option over the last 5 years — total invested ₹600,000 — would be worth ₹618,433 today. That's an XIRR (money-weighted annualised return) of 1.19%.

A ₹10,000 monthly SIP for 10 years in HDFC Dynamic Debt Fund - Quarterly IDCW Option = ₹1,200,000 invested. It would currently be worth ₹1,260,020 (multiplier 1.05×). XIRR: 0.96%. 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 Option ranks #20 out of 27 funds in the Dynamic Bond Fund category — that places it in the third quartile (Q3) — below the median. The category average return over the same window is 3.98%; this fund delivered 0.67%.

The worst peak-to-trough decline HDFC Dynamic Debt Fund - Quarterly IDCW Option has experienced over the last 5-year window is 5.07% — 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 Option averaged 0.83% (best 2.58%, worst -1.10%). 84% of rolling windows ended positive. The 5-year Sharpe ratio is -1.90 — negative risk-adjusted performance.

In calendar year 2025, HDFC Dynamic Debt Fund - Quarterly IDCW Option returned 0.69% — lagging the Dynamic Bond Fund category average of 3.45% by 2.76 pp. It ranked #12 of 18 in its category that year.

HDFC Dynamic Debt Fund - Quarterly IDCW Option 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 Option 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: 5.1%. 5-year CAGR: 0.67%.

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