Should I invest in HDFC FMP 1274D October 2018 (1)?

We don't give personal investment advice. HDFC FMP 1274D October 2018 (1) - 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 1274D October 2018 (1) - IDCW Option - Direct Plan

Latest NAV

₹10.0000

As of

12 Apr 2022

843 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	-24.37%	-6.86%	-17.51	1035 / 1087	Q4
1W	-24.33%	-9.76%	-14.56	930 / 998	Q4
2W	-24.28%	-9.73%	-14.54	927 / 997	Q4
1M	-24.16%	-9.76%	-14.41	922 / 991	Q4
3M	-23.69%	-9.36%	-14.34	922 / 984	Q4
6M	-23.00%	-8.72%	-14.28	896 / 949	Q4
YTD	-23.60%	-8.84%	-14.76	896 / 949	Q4
1Y	-21.24%	-6.67%	-14.57	868 / 916	Q4
2Y	-7.42%	-2.45%	-4.98	809 / 867	Q4
3Y	-2.08%	-1.11%	-0.97	769 / 835	Q4
4Y	—	—	—	—	—
5Y	—	—	—	—	—
7Y	—	—	—	—	—
10Y	—	—	—	—	—
Inception	+0.01%	+0.47%	-0.46	555 / 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
2022 YTD	-23.60%	-7.69%	-15.91	253 / 273
2021	+4.10%	-4.54%	+8.65	118 / 458
2020	+9.65%	+2.15%	+7.50	131 / 625
2019	+10.97%	+3.58%	+7.39	28 / 607
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

+7.47%

31 windows

min -21.2% · max 12.8%

97% positive

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

3-Year rolling

+6.87%

7 windows

min -2.1% · max 9.1%

86% 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

14.18%

3-year · annualised

Sharpe ratio

-0.52

vs risk-free 6.5%

Sortino ratio

-0.53

Downside-only deviation

Max drawdown

-24.37%

Apr 2022 → Apr 2022

% 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 Charity Fund for Cancer Cure - IDCW Option - Direct Plan - 50% IDCW Donation Option	HDFC	₹10.1159	17 Jul 2026
NIPPON INDIA FIXED MATURITY PLAN - XLI - SERIES 8 - DIRECT Plan - IDCW Option	Nippon India	₹17.7273	17 Jul 2026
SBI Fixed Maturity Plan (FMP) - Series 1 (3668 Days) - Direct Plan - Income Distribution cum Capital Withdrawal Option (IDCW)	SBI	₹17.7206	17 Jul 2026
ICICI Prudential Bond Fund - Direct Plan - Half Yearly IDCW	ICICI Prudential	₹11.0090	17 Jul 2026
BANDHAN Fixed Term Plan Series 179 DIRECT PLAN HALF YEARLY-IDCW (3652 days)	Bandhan	₹11.5431	17 Jul 2026
Aditya Birla Sun Life Fixed Term Plan - Series TJ (1838 days) - Direct Plan - Payout of IDCW Option	Aditya Birla Sun Life	₹13.6183	17 Jul 2026
Franklin India Medium to Long Duration Fund - Direct - IDCW	Franklin India	₹10.6701	17 Jul 2026
Kotak Bond Fund - Direct Plan - Standard IDCW option	Kotak	₹30.1720	17 Jul 2026
DSP FMP Series - 264 - 60M - 17D - Direct - IDCW	DSP	₹13.3392	17 Jul 2026
HSBC Medium to Long Duration Fund - Direct Quarterly IDCW	HSBC	₹10.4928	17 Jul 2026

Recent NAVs

Date	NAV
12 Apr 2022	₹10.0000
11 Apr 2022	₹13.2220
8 Apr 2022	₹13.2183
7 Apr 2022	₹13.2171
6 Apr 2022	₹13.2159
5 Apr 2022	₹13.2147
4 Apr 2022	₹13.2135
31 Mar 2022	₹13.2085
30 Mar 2022	₹13.2071
29 Mar 2022	₹13.2058

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 1274D October 2018 (1) - 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 1274D October 2018 (1) - IDCW Option - Direct Plan has NAV history starting from 17 Oct 2018, a track record of about 7 years 9 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 1274D October 2018 (1) - 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 1274D October 2018 (1) - IDCW Option - Direct Plan has delivered a absolute return of -21.24% — -14.57 pp behind the Medium to Long Duration Fund category average of -6.67%. The fund ranks #868 of 916 in its category — the bottom (Q4) quartile.

Over the trailing 3-year window, HDFC FMP 1274D October 2018 (1) - IDCW Option - Direct Plan has delivered a CAGR of -2.08% — -0.97 pp behind the Medium to Long Duration Fund category average of -1.11%. The fund ranks #769 of 835 in its category — the bottom (Q4) quartile.

HDFC FMP 1274D October 2018 (1) - 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 1274D October 2018 (1) - IDCW Option - Direct Plan exactly 3 years ago would be worth approximately ₹93,887 today — a multiplier of 0.94×, based on the 3-year CAGR of -2.08%. The category average over the same window would have grown ₹1 lakh to ₹96,695.

A ₹10,000 monthly SIP in HDFC FMP 1274D October 2018 (1) - IDCW Option - Direct Plan over the last 3 years — total invested ₹360,000 — would be worth ₹297,676 today. That's an XIRR (money-weighted annualised return) of -11.95%.

HDFC FMP 1274D October 2018 (1) - 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 ₹297,676 — XIRR -11.95%.

On a 3-year basis, HDFC FMP 1274D October 2018 (1) - IDCW Option - Direct Plan ranks #769 out of 835 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 -1.11%; this fund delivered -2.08%.

The worst peak-to-trough decline HDFC FMP 1274D October 2018 (1) - IDCW Option - Direct Plan has experienced over the last 3-year window is 24.37% — its NAV fell from a high on 11 Apr 2022 to a low on 12 Apr 2022. 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 1274D October 2018 (1) - IDCW Option - Direct Plan averaged 6.87% (best 9.12%, worst -2.08%). 86% of rolling windows ended positive. The 3-year Sharpe ratio is -0.52 — negative risk-adjusted performance.

In calendar year 2021, HDFC FMP 1274D October 2018 (1) - IDCW Option - Direct Plan returned 4.10% — beating the Medium to Long Duration Fund category average of -4.54% by 8.65 pp. It ranked #118 of 458 in its category that year.

HDFC FMP 1274D October 2018 (1) - 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 1274D October 2018 (1) - 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.