Should I invest in HDFC Flexi Cap Fund?

We don't give personal investment advice. HDFC Flexi Cap Fund - IDCW 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: 20.8%. 5-year CAGR: 9.11%.

HDFC

HDFC Flexi Cap Fund - IDCW Option - Direct Plan

Latest NAV

₹90.9250

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%	-0.75%	+1.47	2 / 105	Q1
1W	+0.36%	-1.14%	+1.50	21 / 104	Q1
2W	+0.49%	-1.11%	+1.60	29 / 104	Q2
1M	+2.71%	-0.05%	+2.76	18 / 104	Q1
3M	+2.60%	+3.22%	-0.62	64 / 103	Q3
6M	-8.24%	+4.88%	-13.12	89 / 100	Q4
YTD	-8.57%	+0.89%	-9.46	85 / 98	Q4
1Y	-4.20%	+10.06%	-14.26	68 / 88	Q4
2Y	-2.20%	+5.19%	-7.39	62 / 82	Q4
3Y	+8.55%	+9.89%	-1.35	46 / 73	Q3
4Y	+10.94%	+10.57%	+0.37	24 / 43	Q3
5Y	+9.11%	+9.11%	0.00	20 / 36	Q3
7Y	+7.69%	+12.20%	-4.50	23 / 27	Q4
10Y	+5.93%	+8.87%	-2.94	14 / 17	Q4
Inception	+5.23%	+8.47%	-3.25	75 / 105	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	-8.57%	-1.68%	-6.89	40 / 46
2025	+3.11%	+1.97%	+1.14	20 / 43
2024	+14.38%	+18.83%	-4.46	27 / 42
2023	+19.56%	+26.32%	-6.76	31 / 36
2022	+8.69%	-2.27%	+10.96	3 / 36
2021	+24.37%	+23.11%	+1.26	29 / 50
2020	-6.92%	+11.58%	-18.50	55 / 56
2019	-3.84%	+5.80%	-9.63	64 / 68
2018	-11.53%	-11.53%	0.00	19 / 33
2017	+25.23%	+29.49%	-4.26	20 / 30
2016	-2.81%	-0.10%	-2.71	23 / 30

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

+9.38%

153 windows

min -45.0% · max 64.6%

65% positive

3-Year rolling

+6.65%

129 windows

min -16.7% · max 26.1%

80% positive

5-Year rolling

+5.76%

105 windows

min -9.5% · max 23.5%

83% positive

7-Year rolling

+4.50%

80 windows

min -3.0% · max 9.4%

96% 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

16.07%

3-year · annualised

Sharpe ratio

0.19

vs risk-free 6.5%

Sortino ratio

0.26

Downside-only deviation

Max drawdown

-20.77%

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 Flexi Cap Fund

Scheme	Fund house	NAV	As of
Nippon India Flexi Cap Fund - Direct Plan - IDCW Option	Nippon India	₹17.9459	17 Jul 2026
SBI Flexicap Fund - Direct Plan - Income Distribution cum Capital Withdrawal Option (IDCW)	SBI	₹60.6918	17 Jul 2026
ICICI Prudential Flexicap Fund - Direct Plan - IDCW	ICICI Prudential	₹17.8600	17 Jul 2026
Invesco India Flexi Cap Fund - Direct Plan - IDCW	Invesco	₹18.4500	17 Jul 2026
BANDHAN Flexi Cap Fund-Direct Plan-IDCW	Bandhan	₹51.9180	17 Jul 2026
quant Flexi Cap Fund - IDCW Option - Direct Plan	Quant	₹83.0629	17 Jul 2026
Aditya Birla Sun Life Flexi Cap Fund -DIRECT - IDCW	Aditya Birla Sun Life	₹235.7300	17 Jul 2026
Motilal Oswal Flexi Cap Fund Direct - IDCW Payout/Reinvestment	Motilal Oswal	₹33.4858	17 Jul 2026
Franklin India Flexi Cap Fund - Direct - IDCW	Franklin India	₹69.9344	17 Jul 2026
Mirae Asset Flexi Cap Fund - Direct Plan - IDCW	Mirae Asset	₹16.9450	17 Jul 2026

Recent NAVs

Date	NAV
17 Jul 2026	₹90.9250
16 Jul 2026	₹90.2730
15 Jul 2026	₹90.4380
14 Jul 2026	₹90.0660
13 Jul 2026	₹90.6200
10 Jul 2026	₹90.5990
9 Jul 2026	₹89.7010
8 Jul 2026	₹89.0850
7 Jul 2026	₹90.9150
6 Jul 2026	₹90.9120

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 - IDCW Option - Direct Plan is ₹90.9250. It's a Flexi Cap Fund from HDFC, run as a Direct plan IDCW (dividend) option. NAVs update once per business day from the AMFI feed.

HDFC Flexi Cap Fund - IDCW 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 - IDCW 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 - IDCW Option - Direct Plan has delivered a absolute return of -4.20% — -14.26 pp behind the Flexi Cap Fund category average of 10.06%. The fund ranks #68 of 88 in its category — the bottom (Q4) quartile.

Over the trailing 3-year window, HDFC Flexi Cap Fund - IDCW Option - Direct Plan has delivered a CAGR of 8.55% — -1.35 pp behind the Flexi Cap Fund category average of 9.89%. The fund ranks #46 of 73 in its category — the third (Q3) quartile.

Over the trailing 5-year window, HDFC Flexi Cap Fund - IDCW Option - Direct Plan has delivered a CAGR of 9.11% — +-0 pp ahead of the Flexi Cap Fund category average of 9.11%. The fund ranks #20 of 36 in its category — the third (Q3) quartile.

₹1 lakh invested in HDFC Flexi Cap Fund - IDCW Option - Direct Plan exactly 10 years ago would be worth approximately ₹177,953 today — a multiplier of 1.78×, based on the 10-year CAGR of 5.93%. The category average over the same window would have grown ₹1 lakh to ₹233,919.

A ₹10,000 monthly SIP in HDFC Flexi Cap Fund - IDCW Option - Direct Plan over the last 5 years — total invested ₹600,000 — would be worth ₹707,964 today. That's an XIRR (money-weighted annualised return) of 6.55%.

A ₹10,000 monthly SIP for 10 years in HDFC Flexi Cap Fund - IDCW Option - Direct Plan = ₹1,200,000 invested. It would currently be worth ₹1,753,393 (multiplier 1.46×). XIRR: 7.36%. 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 - IDCW Option - Direct Plan ranks #20 out of 36 funds in the Flexi Cap Fund category — that places it in the third quartile (Q3) — below the median. The category average return over the same window is 9.11%; this fund delivered 9.11%.

The worst peak-to-trough decline HDFC Flexi Cap Fund - IDCW Option - Direct Plan has experienced over the last 5-year window is 20.77% — its NAV fell from a high on 26 Sep 2024 to a low on 30 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 - IDCW Option - Direct Plan averaged 5.76% (best 23.49%, worst -9.48%). 83% of rolling windows ended positive. The 5-year Sharpe ratio is 0.21 — weak risk-adjusted performance.

In calendar year 2025, HDFC Flexi Cap Fund - IDCW Option - Direct Plan returned 3.11% — beating the Flexi Cap Fund category average of 1.97% by 1.14 pp. It ranked #20 of 43 in its category that year.

HDFC Flexi Cap Fund - IDCW 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 - IDCW 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: 20.8%. 5-year CAGR: 9.11%.

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