Should I invest in HDFC FMP 1158D July 2022?

We don't give personal investment advice. HDFC FMP 1158D July 2022 - 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.

HDFC

HDFC FMP 1158D July 2022 - IDCW Option

Latest NAV

₹10.0000

As of

25 Sep 2025

769 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	-18.75%	-8.11%	-10.64	779 / 904	Q4
1W	-18.68%	-11.78%	-6.89	596 / 779	Q4
2W	-18.60%	-11.83%	-6.77	591 / 776	Q4
1M	-18.41%	-11.79%	-6.63	583 / 772	Q4
3M	-17.73%	-11.26%	-6.47	571 / 763	Q3
6M	-16.37%	-10.36%	-6.01	550 / 749	Q3
YTD	-15.07%	-10.43%	-4.63	539 / 747	Q3
1Y	-13.68%	-8.21%	-5.46	539 / 728	Q3
2Y	-3.66%	-5.24%	+1.58	442 / 660	Q3
3Y	-0.16%	-3.97%	+3.80	401 / 646	Q3
4Y	—	—	—	—	—
5Y	—	—	—	—	—
7Y	—	—	—	—	—
10Y	—	—	—	—	—
Inception	-0.07%	-1.10%	+1.03	782 / 904	Q4

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
2025 YTD	-15.07%	+2.91%	-17.98	61 / 61
2024	+7.32%	+5.21%	+2.12	29 / 62
2023	+6.81%	+3.66%	+3.15	14 / 69
2022	—	—	—	—

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

+6.25%

27 windows

min -13.7% · max 7.7%

96% positive

Limited basis — fund is young, so this average may be skewed by which 1Y windows happen to be available.

3-Year rolling

+4.41%

3 windows

min -0.2% · max 6.8%

67% positive

Limited basis — fund is young, so this average may be skewed by which 3Y windows happen to be available.

5-Year rolling

—

Insufficient history

7-Year rolling

—

Insufficient history

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

10.82%

3-year · annualised

Sharpe ratio

-0.55

vs risk-free 6.5%

Sortino ratio

-0.56

Downside-only deviation

Max drawdown

-18.75%

Sep 2025 → Sep 2025

% positive months

97.2%

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 Medium to Long Duration Fund

Scheme	Fund house	NAV	As of
HDFC Charity Fund for Cancer Cure - IDCW Option - 50% IDCW Donation Option	HDFC	₹10.1158	17 Jul 2026
NIPPON INDIA FIXED MATURITY PLAN - XLI - SERIES 8 - IDCW Option	Nippon India	₹17.3494	17 Jul 2026
SBI Magnum Income Fund-Bonus	SBI	₹44.6708	17 Jul 2026
ICICI Prudential Bond Fund - Half Yearly IDCW	ICICI Prudential	₹11.3293	17 Jul 2026
Franklin India Medium to Long Duration Fund - IDCW	Franklin India	₹10.5884	17 Jul 2026
Canara Robeco Income-Growth Plan	Canara Robeco	₹56.9903	17 Jul 2026
UTI Bond Fund-Growth (for rep. After 6 months- No Load)	UTI	₹76.0625	17 Jul 2026
Birla Sun Life Income Plus (Dividend)	Birla Sun Life	₹13.0862	17 Jul 2026
IDFC - SSIF - Investment Plan - Annual Dividend	IDFC	₹11.9547	17 Jul 2026
JM Income Fund-Dividend	JM Financial	₹21.9310	17 Jul 2026

Recent NAVs

Date	NAV
25 Sep 2025	₹10.0000
24 Sep 2025	₹12.3070
23 Sep 2025	₹12.3053
22 Sep 2025	₹12.3035
19 Sep 2025	₹12.2984
18 Sep 2025	₹12.2967
17 Sep 2025	₹12.2949
16 Sep 2025	₹12.2932
15 Sep 2025	₹12.2914
12 Sep 2025	₹12.2864

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 25 Sep 2025, the NAV of HDFC FMP 1158D July 2022 - IDCW Option is ₹10.0000. It's a Medium to Long Duration Fund from HDFC, run as a Unknown plan IDCW (dividend) option. NAVs update once per business day from the AMFI feed.

HDFC FMP 1158D July 2022 - IDCW Option has NAV history starting from 26 Jul 2022, a track record of about 3 years 11 months. It's a relatively new scheme. With under 5 years of NAVs, peer comparison is the best yardstick — point-to-point returns can be skewed by entry timing.

HDFC FMP 1158D July 2022 - IDCW Option is managed by HDFC. It's classified by AMFI under the 'Medium to Long Duration Fund' SEBI category, which determines its peer set and tax treatment.

Over the trailing 1-year window, HDFC FMP 1158D July 2022 - IDCW Option has delivered a absolute return of -13.68% — -5.46 pp behind the Medium to Long Duration Fund category average of -8.21%. The fund ranks #539 of 728 in its category — the third (Q3) quartile.

Over the trailing 3-year window, HDFC FMP 1158D July 2022 - IDCW Option has delivered a CAGR of -0.16% — +3.8 pp ahead of the Medium to Long Duration Fund category average of -3.97%. The fund ranks #401 of 646 in its category — the third (Q3) quartile.

HDFC FMP 1158D July 2022 - IDCW Option doesn't have a complete 5-year window yet (we need at least 5 year of NAVs). Check the shorter-window returns above.

₹1 lakh invested in HDFC FMP 1158D July 2022 - IDCW Option exactly 3 years ago would be worth approximately ₹99,511 today — a multiplier of 1.00×, based on the 3-year CAGR of -0.16%. The category average over the same window would have grown ₹1 lakh to ₹88,568.

A ₹10,000 monthly SIP in HDFC FMP 1158D July 2022 - IDCW Option over the last 3 years — total invested ₹360,000 — would be worth ₹323,965 today. That's an XIRR (money-weighted annualised return) of -6.71%.

HDFC FMP 1158D July 2022 - IDCW Option doesn't yet have 10 years of NAVs. Over the longest available window (3-year SIP), ₹10,000/month would have grown to ₹323,965 — XIRR -6.71%.

On a 3-year basis, HDFC FMP 1158D July 2022 - IDCW Option ranks #401 out of 646 funds in the Medium to Long Duration Fund category — that places it in the third quartile (Q3) — below the median. The category average return over the same window is -3.97%; this fund delivered -0.16%.

The worst peak-to-trough decline HDFC FMP 1158D July 2022 - IDCW Option has experienced over the last 3-year window is 18.75% — its NAV fell from a high on 24 Sep 2025 to a low on 25 Sep 2025. Drawdown is a useful gauge of how much short-term pain you'd have endured to capture the long-term return.

Across all 3-year rolling windows, HDFC FMP 1158D July 2022 - IDCW Option averaged 4.41% (best 6.77%, worst -0.16%). 67% of rolling windows ended positive. The 3-year Sharpe ratio is -0.55 — negative risk-adjusted performance.

In calendar year 2024, HDFC FMP 1158D July 2022 - IDCW Option returned 7.32% — beating the Medium to Long Duration Fund category average of 5.21% by 2.12 pp. It ranked #29 of 62 in its category that year.

HDFC FMP 1158D July 2022 - 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 FMP 1158D July 2022 - 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.

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