Should I invest in HDFC FMP 1204D December - Quarterly IDCW Option?

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

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%	-6.79%	+6.79	361 / 1087	Q2
1W	-4.01%	-9.68%	+5.67	617 / 998	Q3
2W	-3.91%	-9.65%	+5.74	615 / 997	Q3
1M	-5.04%	-9.71%	+4.67	609 / 991	Q3
3M	-4.23%	-9.39%	+5.16	563 / 984	Q3
6M	-4.27%	-8.74%	+4.48	521 / 949	Q3
YTD	-4.04%	-8.86%	+4.82	518 / 949	Q3
1Y	-3.91%	-6.69%	+2.79	515 / 916	Q3
2Y	-1.00%	-2.42%	+1.43	464 / 867	Q3
3Y	-0.37%	-1.12%	+0.75	545 / 833	Q3
4Y	—	—	—	—	—
5Y	—	—	—	—	—
7Y	—	—	—	—	—
10Y	—	—	—	—	—
Inception	-0.01%	+0.48%	-0.50	647 / 1085	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	-4.04%	+0.62%	-4.66	110 / 112
2025	+1.03%	+4.71%	-3.68	100 / 122
2024	+1.56%	+5.86%	-4.31	99 / 127
2023	+1.44%	+4.21%	-2.76	89 / 117
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

+1.33%

29 windows

min -3.9% · max 2.9%

97% positive

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

3-Year rolling

+0.88%

4 windows

min -0.4% · max 1.4%

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

3.76%

3-year · annualised

Sharpe ratio

-1.81

vs risk-free 6.5%

Sortino ratio

-2.01

Downside-only deviation

Max drawdown

-5.44%

Jun 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 Medium to Long Duration Fund

Scheme	Fund house	NAV	As of
HDFC Charity Fund for Cancer Cure - IDCW Option - Direct Plan - 50% IDCW Donation Option	HDFC	₹10.0419	3 Jun 2026
NIPPON INDIA FIXED MATURITY PLAN - XLI - SERIES 8 - DIRECT Plan - IDCW Option	Nippon India	₹17.3687	3 Jun 2026
SBI Fixed Maturity Plan (FMP) - Series 1 (3668 Days) - Direct Plan - Income Distribution cum Capital Withdrawal Option (IDCW)	SBI	₹17.4021	3 Jun 2026
ICICI Prudential Bond Fund - Direct Plan - Half Yearly IDCW	ICICI Prudential	₹10.7370	3 Jun 2026
BANDHAN Fixed Term Plan Series 179 DIRECT PLAN HALF YEARLY-IDCW (3652 days)	Bandhan	₹11.3171	3 Jun 2026
Aditya Birla Sun Life Fixed Term Plan - Series TI (1837 days) - Direct Plan - Payout of IDCW option	Aditya Birla Sun Life	₹13.5041	3 Jun 2026
Franklin India Medium to Long Duration Fund - Direct - IDCW	Franklin India	₹10.4993	3 Jun 2026
Kotak Bond Fund - Direct Plan - Standard IDCW option	Kotak	₹29.3456	3 Jun 2026
DSP FMP Series - 264 - 60M - 17D - Direct - IDCW	DSP	₹13.2410	3 Jun 2026
HSBC Medium to Long Duration Fund - Direct Quarterly IDCW	HSBC	₹10.3575	3 Jun 2026

Recent NAVs

Date	NAV
13 Apr 2026	₹10.0000
10 Apr 2026	₹10.4242
9 Apr 2026	₹10.4218
8 Apr 2026	₹10.4208
7 Apr 2026	₹10.4190
6 Apr 2026	₹10.4173
2 Apr 2026	₹10.4108
31 Mar 2026	₹10.4082
30 Mar 2026	₹10.4068
27 Mar 2026	₹10.4016

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 - Quarterly IDCW Option - Direct Plan is ₹10.0000. It's a Medium to Long Duration Fund from HDFC, run as a Direct plan IDCW (dividend) option. NAVs update once per business day from the AMFI feed.

HDFC FMP 1204D December - Quarterly IDCW Option - Direct Plan has NAV history starting from 27 Dec 2022, a track record of about 3 years 5 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 - Quarterly IDCW Option - Direct Plan 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 - Quarterly IDCW Option - Direct Plan has delivered a absolute return of -3.91% — +2.79 pp ahead of the Medium to Long Duration Fund category average of -6.69%. The fund ranks #515 of 916 in its category — the third (Q3) quartile.

Over the trailing 3-year window, HDFC FMP 1204D December - Quarterly IDCW Option - Direct Plan has delivered a CAGR of -0.37% — +0.75 pp ahead of the Medium to Long Duration Fund category average of -1.12%. The fund ranks #545 of 833 in its category — the third (Q3) quartile.

HDFC FMP 1204D December - Quarterly IDCW Option - Direct Plan 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 - Quarterly IDCW Option - Direct Plan exactly 3 years ago would be worth approximately ₹98,895 today — a multiplier of 0.99×, based on the 3-year CAGR of -0.37%. The category average over the same window would have grown ₹1 lakh to ₹96,678.

A ₹10,000 monthly SIP in HDFC FMP 1204D December - Quarterly IDCW Option - Direct Plan over the last 3 years — total invested ₹360,000 — would be worth ₹348,183 today. That's an XIRR (money-weighted annualised return) of -2.15%.

HDFC FMP 1204D December - Quarterly IDCW Option - Direct Plan doesn't yet have 10 years of NAVs. Over the longest available window (3-year SIP), ₹10,000/month would have grown to ₹348,183 — XIRR -2.15%.

On a 3-year basis, HDFC FMP 1204D December - Quarterly IDCW Option - Direct Plan ranks #545 out of 833 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 -1.12%; this fund delivered -0.37%.

The worst peak-to-trough decline HDFC FMP 1204D December - Quarterly IDCW Option - Direct Plan has experienced over the last 3-year window is 5.44% — its NAV fell from a high on 24 Jun 2025 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 - Quarterly IDCW Option - Direct Plan averaged 0.88% (best 1.36%, worst -0.37%). 75% of rolling windows ended positive. The 3-year Sharpe ratio is -1.81 — negative risk-adjusted performance.

In calendar year 2025, HDFC FMP 1204D December - Quarterly IDCW Option - Direct Plan returned 1.03% — lagging the Medium to Long Duration Fund category average of 4.71% by 3.68 pp. It ranked #100 of 122 in its category that year.

HDFC FMP 1204D December - Quarterly IDCW Option - Direct Plan 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 - Quarterly IDCW Option - Direct Plan 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.