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 - 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. Worst 5-year drawdown: 2.9%. 5-year CAGR: 8.42%.

HDFC

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

Latest NAV

₹21.9648

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%	-2.27%	+2.28	268 / 1079	Q1
1W	+0.12%	-2.66%	+2.78	266 / 945	Q2
2W	+0.23%	-2.62%	+2.85	287 / 930	Q2
1M	+0.51%	-2.43%	+2.93	269 / 924	Q2
3M	+1.54%	-1.42%	+2.96	320 / 916	Q2
6M	+2.83%	-0.05%	+2.88	375 / 876	Q2
YTD	+4.45%	-0.27%	+4.72	122 / 880	Q1
1Y	+6.15%	+3.14%	+3.01	403 / 835	Q2
2Y	+8.47%	+4.08%	+4.40	86 / 807	Q1
3Y	+9.47%	+4.43%	+5.04	33 / 800	Q1
4Y	+9.16%	+7.85%	+1.31	16 / 164	Q1
5Y	+8.42%	+7.36%	+1.06	18 / 77	Q1
7Y	+8.27%	+6.45%	+1.82	2 / 39	Q1
10Y	—	—	—	—	—
Inception	+9.00%	+5.01%	+3.99	109 / 1079	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	+4.45%	-1.01%	+5.46	31 / 220
2021	+8.68%	-0.37%	+9.04	17 / 366
2020	+12.20%	+6.75%	+5.45	7 / 486
2019	+9.02%	+7.15%	+1.86	245 / 524
2018	+6.24%	+5.66%	+0.58	151 / 269
2017	+6.46%	+6.29%	+0.18	157 / 279
2016	+8.87%	+8.41%	+0.47	85 / 241
2015	+8.65%	+7.38%	+1.27	54 / 184
2014	+12.17%	+12.06%	+0.11	16 / 76
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

+8.95%

100 windows

min 5.3% · max 14.6%

100% positive

3-Year rolling

+8.61%

75 windows

min 6.9% · max 10.6%

100% positive

5-Year rolling

+8.38%

51 windows

min 7.6% · max 9.1%

100% positive

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

7-Year rolling

+8.80%

27 windows

min 8.3% · max 9.2%

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

1.53

vs risk-free 6.5%

Sortino ratio

3.93

Downside-only deviation

Max drawdown

-2.88%

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 - Direct Plan	HDFC	₹12.5263	3 Jun 2026
Nippon India Fixed Maturity Plan - XLIII - Series 1- Direct Plan - Growth Option	Nippon India	₹13.3582	3 Jun 2026
SBI Fixed Maturity Plan (FMP) - Series 1 (3668 Days) - Direct Plan - Growth	SBI	₹17.3852	3 Jun 2026
ICICI Prudential Bond Fund - Direct Plan - Growth	ICICI Prudential	₹43.7788	3 Jun 2026
BANDHAN Fixed Term Plan Series 179 DIRECT PLAN-GROWTH (3652 days)	Bandhan	₹17.7320	3 Jun 2026
Aditya Birla Sun Life Fixed Term Plan - Series TI (1837 days) - Direct Plan - Growth Option	Aditya Birla Sun Life	₹13.5023	3 Jun 2026
Franklin India Medium to Long Duration Fund - Direct Growth	Franklin India	₹11.0072	3 Jun 2026
Kotak Bond Fund - Growth - Direct	Kotak	₹88.1692	3 Jun 2026
DSP FMP Series - 264 - 60M - 17D - Direct - Growth	DSP	₹13.2410	3 Jun 2026
HSBC Medium to Long Duration Fund - Direct Growth	HSBC	₹47.7483	3 Jun 2026

Recent NAVs

Date	NAV
29 Sep 2022	₹21.9648
28 Sep 2022	₹21.9616
27 Sep 2022	₹21.9578
26 Sep 2022	₹21.9541
23 Sep 2022	₹21.9431
22 Sep 2022	₹21.9393
21 Sep 2022	₹21.9352
20 Sep 2022	₹21.9317
19 Sep 2022	₹21.9278
16 Sep 2022	₹21.9172

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 - Direct Plan is ₹21.9648. It's a Medium to Long Duration Fund from HDFC, run as a Direct plan Growth option. NAVs update once per business day from the AMFI feed.

HDFC FMP 1846D August 2013 (1) - Growth Option - Direct Plan 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 - 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 1846D August 2013 (1) - Growth Option - Direct Plan has delivered a absolute return of 6.15% — +3.01 pp ahead of the Medium to Long Duration Fund category average of 3.14%. The fund ranks #403 of 835 in its category — the second (Q2) quartile.

Over the trailing 3-year window, HDFC FMP 1846D August 2013 (1) - Growth Option - Direct Plan has delivered a CAGR of 9.47% — +5.04 pp ahead of the Medium to Long Duration Fund category average of 4.43%. The fund ranks #33 of 800 in its category — the top (Q1) quartile.

Over the trailing 5-year window, HDFC FMP 1846D August 2013 (1) - Growth Option - Direct Plan has delivered a CAGR of 8.42% — +1.06 pp ahead of the Medium to Long Duration Fund category average of 7.36%. The fund ranks #18 of 77 in its category — the top (Q1) quartile.

₹1 lakh invested in HDFC FMP 1846D August 2013 (1) - Growth Option - Direct Plan exactly 5 years ago would be worth approximately ₹149,831 today — a multiplier of 1.50×, based on the 5-year CAGR of 8.42%. The category average over the same window would have grown ₹1 lakh to ₹142,653.

A ₹10,000 monthly SIP in HDFC FMP 1846D August 2013 (1) - Growth Option - Direct Plan over the last 5 years — total invested ₹600,000 — would be worth ₹747,439 today. That's an XIRR (money-weighted annualised return) of 8.71%.

HDFC FMP 1846D August 2013 (1) - Growth Option - Direct Plan doesn't yet have 10 years of NAVs. Over the longest available window (7-year SIP), ₹10,000/month would have grown to ₹1,136,229 — XIRR 8.48%.

On a 5-year basis, HDFC FMP 1846D August 2013 (1) - Growth Option - Direct Plan ranks #18 out of 77 funds in the Medium to Long Duration Fund category — that places it in the top quartile (Q1) — strong outperformance. The category average return over the same window is 7.36%; this fund delivered 8.42%.

The worst peak-to-trough decline HDFC FMP 1846D August 2013 (1) - Growth Option - Direct Plan has experienced over the last 5-year window is 2.88% — 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 - Direct Plan averaged 8.38% (best 9.07%, worst 7.64%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is 0.98 — reasonable risk-adjusted performance.

In calendar year 2021, HDFC FMP 1846D August 2013 (1) - Growth Option - Direct Plan returned 8.68% — beating the Medium to Long Duration Fund category average of -0.37% by 9.04 pp. It ranked #17 of 366 in its category that year.

HDFC FMP 1846D August 2013 (1) - Growth 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 1846D August 2013 (1) - Growth 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. Worst 5-year drawdown: 2.9%. 5-year CAGR: 8.42%.

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 - Direct Plan

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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