Should I invest in HDFC FMP 1204D December?

We don't give personal investment advice. HDFC FMP 1204D December - 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 1204D December - IDCW Option

Latest NAV

₹10.0000

As of

13 Apr 2026

795 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	+0.00%	-8.11%	+8.11	314 / 904	Q2
1W	-19.49%	-11.78%	-7.70	613 / 779	Q4
2W	-19.41%	-11.83%	-7.58	606 / 776	Q4
1M	-19.22%	-11.79%	-7.44	597 / 772	Q4
3M	-18.56%	-11.26%	-7.30	586 / 763	Q4
6M	-17.48%	-10.36%	-7.11	568 / 749	Q4
YTD	-18.41%	-10.43%	-7.98	592 / 747	Q4
1Y	-14.90%	-8.21%	-6.68	553 / 728	Q4
2Y	-4.26%	-5.24%	+0.99	477 / 660	Q3
3Y	-0.79%	-3.97%	+3.18	518 / 646	Q4
4Y	—	—	—	—	—
5Y	—	—	—	—	—
7Y	—	—	—	—	—
10Y	—	—	—	—	—
Inception	-0.01%	-1.10%	+1.09	622 / 904	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	-18.41%	+0.27%	-18.68	47 / 49
2025	+6.67%	+2.91%	+3.76	11 / 61
2024	+7.25%	+5.21%	+2.04	30 / 62
2023	+7.01%	+3.66%	+3.35	10 / 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

+6.37%

29 windows

min -14.9% · max 8.1%

97% positive

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

3-Year rolling

+4.99%

4 windows

min -0.8% · max 7.0%

75% 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

11.27%

3-year · annualised

Sharpe ratio

-0.58

vs risk-free 6.5%

Sortino ratio

-0.59

Downside-only deviation

Max drawdown

-19.54%

Apr 2026 → Apr 2026

% 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
13 Apr 2026	₹10.0000
10 Apr 2026	₹12.4280
9 Apr 2026	₹12.4252
8 Apr 2026	₹12.4240
7 Apr 2026	₹12.4220
6 Apr 2026	₹12.4201
2 Apr 2026	₹12.4126
31 Mar 2026	₹12.4098
30 Mar 2026	₹12.4081
27 Mar 2026	₹12.4021

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 13 Apr 2026, the NAV of HDFC FMP 1204D December - 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 1204D December - IDCW Option has NAV history starting from 27 Dec 2022, a track record of about 3 years 6 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 1204D December - 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 1204D December - IDCW Option has delivered a absolute return of -14.90% — -6.68 pp behind the Medium to Long Duration Fund category average of -8.21%. The fund ranks #553 of 728 in its category — the bottom (Q4) quartile.

Over the trailing 3-year window, HDFC FMP 1204D December - IDCW Option has delivered a CAGR of -0.79% — +3.18 pp ahead of the Medium to Long Duration Fund category average of -3.97%. The fund ranks #518 of 646 in its category — the bottom (Q4) quartile.

HDFC FMP 1204D December - 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 1204D December - IDCW Option exactly 3 years ago would be worth approximately ₹97,653 today — a multiplier of 0.98×, based on the 3-year CAGR of -0.79%. The category average over the same window would have grown ₹1 lakh to ₹88,568.

A ₹10,000 monthly SIP in HDFC FMP 1204D December - IDCW Option over the last 3 years — total invested ₹360,000 — would be worth ₹319,664 today. That's an XIRR (money-weighted annualised return) of -7.56%.

HDFC FMP 1204D December - 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 ₹319,664 — XIRR -7.56%.

On a 3-year basis, HDFC FMP 1204D December - IDCW Option ranks #518 out of 646 funds in the Medium to Long Duration Fund category — that places it in the bottom quartile (Q4) — material underperformance. The category average return over the same window is -3.97%; this fund delivered -0.79%.

The worst peak-to-trough decline HDFC FMP 1204D December - IDCW Option has experienced over the last 3-year window is 19.54% — its NAV fell from a high on 10 Apr 2026 to a low on 13 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 3-year rolling windows, HDFC FMP 1204D December - IDCW Option averaged 4.99% (best 7.00%, worst -0.79%). 75% of rolling windows ended positive. The 3-year Sharpe ratio is -0.58 — negative risk-adjusted performance.

In calendar year 2025, HDFC FMP 1204D December - IDCW Option returned 6.67% — beating the Medium to Long Duration Fund category average of 2.91% by 3.76 pp. It ranked #11 of 61 in its category that year.

HDFC FMP 1204D December - 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 1204D December - 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.