Should I invest in HDFC Flexi Cap Fund?

We don't give personal investment advice. HDFC Flexi Cap Fund - Growth 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: 13.3%. 5-year CAGR: 18.68%.

HDFC

HDFC Flexi Cap Fund - Growth Option - Direct Plan

Latest NAV

₹2,248.7410

As of

17 Jul 2026

3,332 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	+0.72%	+0.10%	+0.62	2 / 104	Q1
1W	+0.36%	-0.02%	+0.38	21 / 103	Q1
2W	+0.49%	+0.10%	+0.40	31 / 102	Q2
1M	+2.71%	+1.52%	+1.20	26 / 101	Q2
3M	+2.60%	+5.34%	-2.74	64 / 100	Q3
6M	-0.99%	+9.00%	-9.98	79 / 99	Q4
YTD	-1.34%	+4.61%	-5.95	74 / 99	Q3
1Y	+3.37%	+18.02%	-14.65	59 / 90	Q3
2Y	+5.78%	+9.96%	-4.19	51 / 84	Q3
3Y	+17.57%	+13.26%	+4.31	15 / 76	Q1
4Y	+20.45%	+15.27%	+5.18	5 / 41	Q1
5Y	+18.68%	+14.07%	+4.60	5 / 34	Q1
7Y	+18.12%	+15.95%	+2.17	4 / 23	Q1
10Y	+16.40%	+14.34%	+2.06	4 / 18	Q1
Inception	+16.12%	+11.59%	+4.53	25 / 104	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	-1.34%	+0.72%	-2.06	30 / 44
2025	+11.78%	+3.69%	+8.09	1 / 39
2024	+24.25%	+20.93%	+3.32	13 / 40
2023	+30.75%	+29.96%	+0.79	15 / 34
2022	+19.09%	+1.56%	+17.53	1 / 34
2021	+36.17%	+25.89%	+10.28	12 / 52
2020	+6.61%	+15.92%	-9.30	49 / 58
2019	+6.68%	+7.18%	-0.50	42 / 69
2018	-2.16%	-5.07%	+2.91	9 / 34
2017	+37.17%	+36.55%	+0.62	16 / 31
2016	+7.34%	+3.36%	+3.97	6 / 31

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

+20.32%

153 windows

min -31.6% · max 81.0%

83% positive

3-Year rolling

+17.52%

129 windows

min -6.1% · max 38.0%

95% positive

5-Year rolling

+16.71%

105 windows

min 0.7% · max 34.7%

100% positive

7-Year rolling

+15.51%

80 windows

min 7.6% · max 20.5%

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

11.87%

3-year · annualised

Sharpe ratio

0.89

vs risk-free 6.5%

Sortino ratio

1.62

Downside-only deviation

Max drawdown

-13.32%

Jan 2026 → 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 Flexi Cap Fund

Scheme	Fund house	NAV	As of
Nippon India Flexi Cap Fund - Direct Plan - Growth Plan - Growth Option	Nippon India	₹17.9459	17 Jul 2026
SBI Flexicap Fund - DIRECT PLAN - Growth Option	SBI	₹121.4251	17 Jul 2026
ICICI Prudential Flexicap Fund - Direct Plan - Growth	ICICI Prudential	₹21.1200	17 Jul 2026
Invesco India Flexi Cap Fund - Direct Plan - Growth	Invesco	₹20.6200	17 Jul 2026
BANDHAN Flexi Cap Fund-Direct Plan-Growth	Bandhan	₹232.8250	17 Jul 2026
quant Flexi Cap Fund - Growth Option-Direct Plan	Quant	₹122.1976	17 Jul 2026
Aditya Birla Sun Life Flexi Cap Fund - Growth - Direct Plan	Aditya Birla Sun Life	₹2,165.0600	17 Jul 2026
Motilal Oswal Flexi cap Fund Direct Plan-Growth Option	Motilal Oswal	₹67.6885	17 Jul 2026
Franklin India Flexi Cap Fund - Direct - Growth	Franklin India	₹1,808.6718	17 Jul 2026
Mirae Asset Flexi Cap Fund - Direct Plan - Growth	Mirae Asset	₹16.9950	17 Jul 2026

Recent NAVs

Date	NAV
17 Jul 2026	₹2,248.7410
16 Jul 2026	₹2,232.6110
15 Jul 2026	₹2,236.6810
14 Jul 2026	₹2,227.4840
13 Jul 2026	₹2,241.1970
10 Jul 2026	₹2,240.6610
9 Jul 2026	₹2,218.4490
8 Jul 2026	₹2,203.2300
7 Jul 2026	₹2,248.4940
6 Jul 2026	₹2,248.4090

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 Flexi Cap Fund - Growth Option - Direct Plan is ₹2,248.7410. It's a Flexi Cap Fund from HDFC, run as a Direct plan Growth option. NAVs update once per business day from the AMFI feed.

HDFC Flexi Cap Fund - Growth Option - Direct Plan has NAV history starting from 01 Jan 2013, a track record of about 13 years 6 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 Flexi Cap Fund - Growth Option - Direct Plan is managed by HDFC. It's classified by AMFI under the 'Flexi Cap Fund' SEBI category, which determines its peer set and tax treatment.

Over the trailing 1-year window, HDFC Flexi Cap Fund - Growth Option - Direct Plan has delivered a absolute return of 3.37% — -14.65 pp behind the Flexi Cap Fund category average of 18.02%. The fund ranks #59 of 90 in its category — the third (Q3) quartile.

Over the trailing 3-year window, HDFC Flexi Cap Fund - Growth Option - Direct Plan has delivered a CAGR of 17.57% — +4.31 pp ahead of the Flexi Cap Fund category average of 13.26%. The fund ranks #15 of 76 in its category — the top (Q1) quartile.

Over the trailing 5-year window, HDFC Flexi Cap Fund - Growth Option - Direct Plan has delivered a CAGR of 18.68% — +4.6 pp ahead of the Flexi Cap Fund category average of 14.07%. The fund ranks #5 of 34 in its category — the top (Q1) quartile.

₹1 lakh invested in HDFC Flexi Cap Fund - Growth Option - Direct Plan exactly 10 years ago would be worth approximately ₹456,672 today — a multiplier of 4.57×, based on the 10-year CAGR of 16.40%. The category average over the same window would have grown ₹1 lakh to ₹382,055.

A ₹10,000 monthly SIP in HDFC Flexi Cap Fund - Growth Option - Direct Plan over the last 5 years — total invested ₹600,000 — would be worth ₹904,818 today. That's an XIRR (money-weighted annualised return) of 16.44%.

A ₹10,000 monthly SIP for 10 years in HDFC Flexi Cap Fund - Growth Option - Direct Plan = ₹1,200,000 invested. It would currently be worth ₹3,042,164 (multiplier 2.54×). XIRR: 17.70%. Long-horizon SIP results matter more than point-to-point returns because they smooth out entry timing.

On a 5-year basis, HDFC Flexi Cap Fund - Growth Option - Direct Plan ranks #5 out of 34 funds in the Flexi Cap Fund category — that places it in the top quartile (Q1) — strong outperformance. The category average return over the same window is 14.07%; this fund delivered 18.68%.

The worst peak-to-trough decline HDFC Flexi Cap Fund - Growth Option - Direct Plan has experienced over the last 5-year window is 13.32% — its NAV fell from a high on 06 Jan 2026 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 Flexi Cap Fund - Growth Option - Direct Plan averaged 16.71% (best 34.72%, worst 0.65%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is 0.85 — reasonable risk-adjusted performance.

In calendar year 2025, HDFC Flexi Cap Fund - Growth Option - Direct Plan returned 11.78% — beating the Flexi Cap Fund category average of 3.69% by 8.09 pp. It ranked #1 of 39 in its category that year.

HDFC Flexi Cap Fund - Growth 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 Flexi Cap Fund - Growth 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: 13.3%. 5-year CAGR: 18.68%.

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