Should I invest in HDFC FMP 1232D NOVEMBER 2018 (1)?

We don't give personal investment advice. HDFC FMP 1232D NOVEMBER 2018 (1) - Growth 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 1232D NOVEMBER 2018 (1) - Growth Option

Latest NAV

₹12.9599

As of

12 Apr 2022

818 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	+0.01%	-3.05%	+3.06	279 / 796	Q2
1W	+0.06%	-3.63%	+3.69	442 / 666	Q3
2W	+0.13%	-3.63%	+3.76	412 / 651	Q3
1M	+0.28%	-3.45%	+3.73	414 / 645	Q3
3M	+0.90%	-2.59%	+3.49	429 / 637	Q3
6M	+1.85%	-1.24%	+3.09	449 / 623	Q3
YTD	+1.03%	-1.35%	+2.38	516 / 618	Q4
1Y	+4.09%	+1.96%	+2.13	460 / 590	Q4
2Y	+6.58%	+2.60%	+3.98	380 / 556	Q3
3Y	+7.40%	+2.95%	+4.45	356 / 551	Q3
4Y	—	—	—	—	—
5Y	—	—	—	—	—
7Y	—	—	—	—	—
10Y	—	—	—	—	—
Inception	+7.97%	+4.26%	+3.72	392 / 796	Q2

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
2022 YTD	+1.03%	-4.53%	+5.56	88 / 118
2021	+4.07%	-3.19%	+7.25	62 / 216
2020	+9.81%	+6.13%	+3.68	67 / 301
2019	+10.51%	+6.89%	+3.61	35 / 351
2018	—	—	—	—

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

+8.08%

30 windows

min 4.1% · max 11.7%

100% positive

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

3-Year rolling

+7.87%

5 windows

min 7.4% · max 8.4%

100% 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

1.60%

3-year · annualised

Sharpe ratio

0.42

vs risk-free 6.5%

Sortino ratio

—

Downside-only deviation

Max drawdown

-2.23%

Mar 2020 → Mar 2020

% positive months

94.4%

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 FMP 1269D March 2023 - Growth Option	HDFC	₹12.4260	3 Jun 2026
Nippon India Fixed Maturity Plan XLI - Series 8 - Growth Option	Nippon India	₹17.0046	3 Jun 2026
ICICI Prudential Fixed Maturity Plan - Series 85 - 10 Years Plan I - Cumulative Option	ICICI Prudential	₹17.4336	3 Jun 2026
Franklin India Medium to Long Duration Fund - Growth	Franklin India	₹10.9122	3 Jun 2026

Recent NAVs

Date	NAV
12 Apr 2022	₹12.9599
11 Apr 2022	₹12.9587
8 Apr 2022	₹12.9551
7 Apr 2022	₹12.9539
6 Apr 2022	₹12.9527
5 Apr 2022	₹12.9516
4 Apr 2022	₹12.9504
31 Mar 2022	₹12.9454
30 Mar 2022	₹12.9439
29 Mar 2022	₹12.9427

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 12 Apr 2022, the NAV of HDFC FMP 1232D NOVEMBER 2018 (1) - Growth Option is ₹12.9599. It's a Medium to Long Duration Fund from HDFC, run as a Unknown plan Growth option. NAVs update once per business day from the AMFI feed.

HDFC FMP 1232D NOVEMBER 2018 (1) - Growth Option has NAV history starting from 28 Nov 2018, a track record of about 7 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 FMP 1232D NOVEMBER 2018 (1) - Growth 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 1232D NOVEMBER 2018 (1) - Growth Option has delivered a absolute return of 4.09% — +2.13 pp ahead of the Medium to Long Duration Fund category average of 1.96%. The fund ranks #460 of 590 in its category — the bottom (Q4) quartile.

Over the trailing 3-year window, HDFC FMP 1232D NOVEMBER 2018 (1) - Growth Option has delivered a CAGR of 7.40% — +4.45 pp ahead of the Medium to Long Duration Fund category average of 2.95%. The fund ranks #356 of 551 in its category — the third (Q3) quartile.

HDFC FMP 1232D NOVEMBER 2018 (1) - Growth 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 1232D NOVEMBER 2018 (1) - Growth Option exactly 3 years ago would be worth approximately ₹123,877 today — a multiplier of 1.24×, based on the 3-year CAGR of 7.40%. The category average over the same window would have grown ₹1 lakh to ₹109,098.

A ₹10,000 monthly SIP in HDFC FMP 1232D NOVEMBER 2018 (1) - Growth Option over the last 3 years — total invested ₹360,000 — would be worth ₹393,738 today. That's an XIRR (money-weighted annualised return) of 5.90%.

HDFC FMP 1232D NOVEMBER 2018 (1) - Growth Option doesn't yet have 10 years of NAVs. Over the longest available window (3-year SIP), ₹10,000/month would have grown to ₹393,738 — XIRR 5.90%.

On a 3-year basis, HDFC FMP 1232D NOVEMBER 2018 (1) - Growth Option ranks #356 out of 551 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 2.95%; this fund delivered 7.40%.

The worst peak-to-trough decline HDFC FMP 1232D NOVEMBER 2018 (1) - Growth Option has experienced over the last 3-year window is 2.23% — its NAV fell from a high on 04 Mar 2020 to a low on 24 Mar 2020. 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 1232D NOVEMBER 2018 (1) - Growth Option averaged 7.87% (best 8.41%, worst 7.40%). 100% of rolling windows ended positive. The 3-year Sharpe ratio is 0.42 — weak risk-adjusted performance.

In calendar year 2021, HDFC FMP 1232D NOVEMBER 2018 (1) - Growth Option returned 4.07% — beating the Medium to Long Duration Fund category average of -3.19% by 7.25 pp. It ranked #62 of 216 in its category that year.

HDFC FMP 1232D NOVEMBER 2018 (1) - Growth 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 1232D NOVEMBER 2018 (1) - Growth 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.