Should I invest in HDFC FMP 1846D August 2013 (1)?

We don't give personal investment advice. HDFC FMP 1846D August 2013 (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. Worst 5-year drawdown: 2.9%. 5-year CAGR: 8.09%.

HDFC

HDFC FMP 1846D August 2013 (1) - Growth Option

Latest NAV

₹21.3673

As of

29 Sep 2022

2,202 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%	+3.07	194 / 796	Q1
1W	+0.11%	-3.63%	+3.74	216 / 666	Q2
2W	+0.22%	-3.63%	+3.85	230 / 651	Q2
1M	+0.48%	-3.45%	+3.93	231 / 645	Q2
3M	+1.46%	-2.59%	+4.05	260 / 637	Q2
6M	+2.68%	-1.24%	+3.92	316 / 623	Q3
YTD	+4.22%	-1.35%	+5.57	114 / 618	Q1
1Y	+5.84%	+1.96%	+3.88	333 / 590	Q3
2Y	+8.15%	+2.60%	+5.55	84 / 556	Q1
3Y	+9.14%	+2.95%	+6.19	23 / 551	Q1
4Y	+8.83%	+7.92%	+0.91	10 / 95	Q1
5Y	+8.09%	+7.58%	+0.51	15 / 30	Q2
7Y	+7.94%	+7.57%	+0.38	4 / 9	Q2
10Y	—	—	—	—	—
Inception	+8.67%	+4.26%	+4.41	91 / 796	Q1

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	+4.22%	-4.53%	+8.75	19 / 118
2021	+8.35%	-3.19%	+11.54	9 / 216
2020	+11.86%	+6.13%	+5.73	3 / 301
2019	+8.69%	+6.89%	+1.80	172 / 351
2018	+5.90%	+5.25%	+0.65	83 / 156
2017	+6.15%	+5.65%	+0.49	107 / 217
2016	+8.55%	+7.49%	+1.06	69 / 202
2015	+8.33%	+6.75%	+1.58	89 / 185
2014	+11.83%	+12.50%	-0.67	21 / 82
2013	—	—	—	—

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

+8.60%

100 windows

min 5.0% · max 14.2%

100% positive

3-Year rolling

+8.27%

75 windows

min 6.6% · max 10.3%

100% positive

5-Year rolling

+8.04%

51 windows

min 7.3% · max 8.7%

100% positive

Limited basis — fund is young, so this average may be skewed by which 5Y windows happen to be available.

7-Year rolling

+8.46%

27 windows

min 7.9% · max 8.9%

100% positive

Limited basis — fund is young, so this average may be skewed by which 7Y windows happen to be available.

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

1.70%

3-year · annualised

Sharpe ratio

1.35

vs risk-free 6.5%

Sortino ratio

3.40

Downside-only deviation

Max drawdown

-2.90%

Feb 2020 → Mar 2020

% 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 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
29 Sep 2022	₹21.3673
28 Sep 2022	₹21.3643
27 Sep 2022	₹21.3609
26 Sep 2022	₹21.3574
23 Sep 2022	₹21.3472
22 Sep 2022	₹21.3438
21 Sep 2022	₹21.3400
20 Sep 2022	₹21.3367
19 Sep 2022	₹21.3331
16 Sep 2022	₹21.3233

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 29 Sep 2022, the NAV of HDFC FMP 1846D August 2013 (1) - Growth Option is ₹21.3673. 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 1846D August 2013 (1) - Growth Option has NAV history starting from 14 Aug 2013, a track record of about 12 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 1846D August 2013 (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 1846D August 2013 (1) - Growth Option has delivered a absolute return of 5.84% — +3.88 pp ahead of the Medium to Long Duration Fund category average of 1.96%. The fund ranks #333 of 590 in its category — the third (Q3) quartile.

Over the trailing 3-year window, HDFC FMP 1846D August 2013 (1) - Growth Option has delivered a CAGR of 9.14% — +6.19 pp ahead of the Medium to Long Duration Fund category average of 2.95%. The fund ranks #23 of 551 in its category — the top (Q1) quartile.

Over the trailing 5-year window, HDFC FMP 1846D August 2013 (1) - Growth Option has delivered a CAGR of 8.09% — +0.51 pp ahead of the Medium to Long Duration Fund category average of 7.58%. The fund ranks #15 of 30 in its category — the second (Q2) quartile.

₹1 lakh invested in HDFC FMP 1846D August 2013 (1) - Growth Option exactly 5 years ago would be worth approximately ₹147,571 today — a multiplier of 1.48×, based on the 5-year CAGR of 8.09%. The category average over the same window would have grown ₹1 lakh to ₹144,123.

A ₹10,000 monthly SIP in HDFC FMP 1846D August 2013 (1) - Growth Option over the last 5 years — total invested ₹600,000 — would be worth ₹741,320 today. That's an XIRR (money-weighted annualised return) of 8.38%.

HDFC FMP 1846D August 2013 (1) - Growth Option doesn't yet have 10 years of NAVs. Over the longest available window (7-year SIP), ₹10,000/month would have grown to ₹1,123,020 — XIRR 8.15%.

On a 5-year basis, HDFC FMP 1846D August 2013 (1) - Growth Option ranks #15 out of 30 funds in the Medium to Long Duration Fund category — that places it in the second quartile (Q2) — above the median. The category average return over the same window is 7.58%; this fund delivered 8.09%.

The worst peak-to-trough decline HDFC FMP 1846D August 2013 (1) - Growth Option has experienced over the last 5-year window is 2.90% — its NAV fell from a high on 25 Feb 2020 to a low on 26 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 5-year rolling windows, HDFC FMP 1846D August 2013 (1) - Growth Option averaged 8.04% (best 8.65%, worst 7.32%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is 0.79 — reasonable risk-adjusted performance.

In calendar year 2021, HDFC FMP 1846D August 2013 (1) - Growth Option returned 8.35% — beating the Medium to Long Duration Fund category average of -3.19% by 11.54 pp. It ranked #9 of 216 in its category that year.

HDFC FMP 1846D August 2013 (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 1846D August 2013 (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. Worst 5-year drawdown: 2.9%. 5-year CAGR: 8.09%.

Educational content only — not investment advice. Tax rules summarised above reflect Budget 2024; consult a qualified adviser before transacting.

HDFC FMP 1846D August 2013 (1) - Growth Option

NAV history & peer comparison

Returns matrix

Calendar-year returns

Rolling returns

SIP returns — historical "what if"

Risk profile

Peers in Medium to Long Duration Fund

Recent NAVs

Frequently asked questions

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