Should I invest in HDFC FMP 1434D May 2018 (1)?

We don't give personal investment advice. HDFC FMP 1434D May 2018 (1) - 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 1434D May 2018 (1) - IDCW Option

Latest NAV

₹10.0000

As of

11 Apr 2022

950 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%	-8.05%	+8.05	337 / 904	Q2
1W	-25.25%	-11.71%	-13.54	726 / 779	Q4
2W	-25.20%	-11.75%	-13.45	723 / 776	Q4
1M	-25.09%	-11.75%	-13.34	719 / 772	Q4
3M	-24.67%	-11.29%	-13.38	711 / 763	Q4
6M	-24.01%	-10.39%	-13.62	697 / 749	Q4
YTD	-24.58%	-10.45%	-14.14	696 / 747	Q4
1Y	-22.40%	-8.25%	-14.15	675 / 728	Q4
2Y	-8.12%	-5.23%	-2.89	605 / 660	Q4
3Y	-2.74%	-3.98%	+1.25	587 / 644	Q4
4Y	+0.00%	+3.39%	-3.39	99 / 134	Q3
5Y	—	—	—	—	—
7Y	—	—	—	—	—
10Y	—	—	—	—	—
Inception	+0.00%	-1.09%	+1.09	568 / 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
2022 YTD	-24.58%	-8.21%	-16.37	206 / 224
2021	+3.87%	-6.85%	+10.72	118 / 355
2020	+9.36%	+3.44%	+5.93	129 / 433
2019	+10.74%	+4.28%	+6.46	24 / 449
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

+7.69%

36 windows

min -22.4% · max 12.5%

97% positive

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

3-Year rolling

+7.58%

12 windows

min -2.7% · max 9.2%

92% 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

14.70%

3-year · annualised

Sharpe ratio

-0.54

vs risk-free 6.5%

Sortino ratio

-0.55

Downside-only deviation

Max drawdown

-25.28%

Apr 2022 → Apr 2022

% positive months

91.7%

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 - 50% IDCW Donation Option	HDFC	₹10.0419	3 Jun 2026
NIPPON INDIA FIXED MATURITY PLAN - XLI - SERIES 8 - IDCW Option	Nippon India	₹17.0046	3 Jun 2026
SBI Magnum Income Fund-Bonus	SBI	₹43.7200	3 Jun 2026
ICICI Prudential Bond Fund - Half Yearly IDCW	ICICI Prudential	₹11.0548	3 Jun 2026
Franklin India Medium to Long Duration Fund - IDCW	Franklin India	₹10.4210	3 Jun 2026
Canara Robeco Income-Growth Plan	Canara Robeco	₹55.9906	3 Jun 2026
UTI Bond Fund-Growth (for rep. After 6 months- No Load)	UTI	₹74.6017	3 Jun 2026
Birla Sun Life Income Plus (Dividend)	Birla Sun Life	₹12.9049	3 Jun 2026
IDFC - SSIF - Investment Plan - Annual Dividend	IDFC	₹11.6743	3 Jun 2026
JM Income Fund-Dividend	JM Financial	₹21.5269	3 Jun 2026

Recent NAVs

Date	NAV
11 Apr 2022	₹10.0000
8 Apr 2022	₹13.3824
7 Apr 2022	₹13.3813
6 Apr 2022	₹13.3802
5 Apr 2022	₹13.3791
4 Apr 2022	₹13.3779
31 Mar 2022	₹13.3732
30 Mar 2022	₹13.3719
29 Mar 2022	₹13.3707
28 Mar 2022	₹13.3695

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 11 Apr 2022, the NAV of HDFC FMP 1434D May 2018 (1) - 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 1434D May 2018 (1) - IDCW Option has NAV history starting from 10 May 2018, a track record of about 8 years. 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 1434D May 2018 (1) - 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 1434D May 2018 (1) - IDCW Option has delivered a absolute return of -22.40% — -14.15 pp behind the Medium to Long Duration Fund category average of -8.25%. The fund ranks #675 of 728 in its category — the bottom (Q4) quartile.

Over the trailing 3-year window, HDFC FMP 1434D May 2018 (1) - IDCW Option has delivered a CAGR of -2.74% — +1.25 pp ahead of the Medium to Long Duration Fund category average of -3.98%. The fund ranks #587 of 644 in its category — the bottom (Q4) quartile.

HDFC FMP 1434D May 2018 (1) - 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 1434D May 2018 (1) - IDCW Option exactly 3 years ago would be worth approximately ₹92,004 today — a multiplier of 0.92×, based on the 3-year CAGR of -2.74%. The category average over the same window would have grown ₹1 lakh to ₹88,516.

A ₹10,000 monthly SIP in HDFC FMP 1434D May 2018 (1) - IDCW Option over the last 3 years — total invested ₹360,000 — would be worth ₹293,029 today. That's an XIRR (money-weighted annualised return) of -12.91%.

HDFC FMP 1434D May 2018 (1) - 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 ₹293,029 — XIRR -12.91%.

On a 3-year basis, HDFC FMP 1434D May 2018 (1) - IDCW Option ranks #587 out of 644 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 -3.98%; this fund delivered -2.74%.

The worst peak-to-trough decline HDFC FMP 1434D May 2018 (1) - IDCW Option has experienced over the last 3-year window is 25.27% — its NAV fell from a high on 08 Apr 2022 to a low on 11 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 1434D May 2018 (1) - IDCW Option averaged 7.58% (best 9.19%, worst -2.74%). 92% of rolling windows ended positive. The 3-year Sharpe ratio is -0.54 — negative risk-adjusted performance.

In calendar year 2021, HDFC FMP 1434D May 2018 (1) - IDCW Option returned 3.87% — beating the Medium to Long Duration Fund category average of -6.85% by 10.72 pp. It ranked #118 of 355 in its category that year.

HDFC FMP 1434D May 2018 (1) - 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 1434D May 2018 (1) - 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.