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

We don't give personal investment advice. HDFC FMP 1846D August 2013 (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. Worst 5-year drawdown: 34.7%. 5-year CAGR: -7.14%.

HDFC

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

Latest NAV

₹10.0000

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	-28.64%	-8.05%	-20.59	857 / 904	Q4
1W	-28.58%	-11.71%	-16.86	730 / 779	Q4
2W	-28.50%	-11.75%	-16.74	727 / 776	Q4
1M	-28.31%	-11.75%	-16.56	723 / 772	Q4
3M	-27.61%	-11.29%	-16.33	714 / 763	Q4
6M	-26.74%	-10.39%	-16.35	700 / 749	Q4
YTD	-25.65%	-10.45%	-15.20	698 / 747	Q4
1Y	-24.49%	-8.25%	-16.24	679 / 728	Q4
2Y	-8.65%	-5.23%	-3.42	607 / 660	Q4
3Y	-2.48%	-3.98%	+1.51	581 / 644	Q4
4Y	+0.02%	+3.39%	-3.36	95 / 134	Q3
5Y	-7.14%	+3.38%	-10.51	92 / 92	Q4
7Y	-3.15%	+3.38%	-6.53	76 / 76	Q4
10Y	—	—	—	—	—
Inception	0.00%	-1.09%	+1.09	583 / 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	-25.65%	-8.21%	-17.44	208 / 224
2021	+8.35%	-6.85%	+15.21	10 / 355
2020	+11.86%	+3.44%	+8.42	5 / 433
2019	+8.69%	+4.28%	+4.42	179 / 449
2018	-30.53%	+0.48%	-31.02	205 / 205
2017	+6.15%	+1.61%	+4.53	99 / 223
2016	+8.55%	+3.44%	+5.11	65 / 223
2015	+8.33%	+2.41%	+5.91	46 / 205
2014	+11.83%	+7.92%	+3.91	24 / 107
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

+3.92%

100 windows

min -31.1% · max 14.2%

87% positive

3-Year rolling

+1.35%

75 windows

min -7.4% · max 10.3%

51% positive

5-Year rolling

-0.65%

51 windows

min -7.1% · max 8.7%

2% positive

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

7-Year rolling

+1.95%

27 windows

min -3.2% · max 2.5%

96% 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

16.62%

3-year · annualised

Sharpe ratio

-0.44

vs risk-free 6.5%

Sortino ratio

-0.45

Downside-only deviation

Max drawdown

-28.64%

Sep 2022 → Sep 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 - 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
29 Sep 2022	₹10.0000
28 Sep 2022	₹14.0142
27 Sep 2022	₹14.0119
26 Sep 2022	₹14.0097
23 Sep 2022	₹14.0030
22 Sep 2022	₹14.0007
21 Sep 2022	₹13.9982
20 Sep 2022	₹13.9960
19 Sep 2022	₹13.9937
16 Sep 2022	₹13.9873

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) - 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 1846D August 2013 (1) - IDCW 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) - 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 1846D August 2013 (1) - IDCW Option has delivered a absolute return of -24.49% — -16.24 pp behind the Medium to Long Duration Fund category average of -8.25%. The fund ranks #679 of 728 in its category — the bottom (Q4) quartile.

Over the trailing 3-year window, HDFC FMP 1846D August 2013 (1) - IDCW Option has delivered a CAGR of -2.48% — +1.51 pp ahead of the Medium to Long Duration Fund category average of -3.98%. The fund ranks #581 of 644 in its category — the bottom (Q4) quartile.

Over the trailing 5-year window, HDFC FMP 1846D August 2013 (1) - IDCW Option has delivered a CAGR of -7.14% — -10.51 pp behind the Medium to Long Duration Fund category average of 3.38%. The fund ranks #92 of 92 in its category — the bottom (Q4) quartile.

₹1 lakh invested in HDFC FMP 1846D August 2013 (1) - IDCW Option exactly 5 years ago would be worth approximately ₹69,064 today — a multiplier of 0.69×, based on the 5-year CAGR of -7.14%. The category average over the same window would have grown ₹1 lakh to ₹118,068.

A ₹10,000 monthly SIP in HDFC FMP 1846D August 2013 (1) - IDCW Option over the last 5 years — total invested ₹600,000 — would be worth ₹486,512 today. That's an XIRR (money-weighted annualised return) of -8.18%.

HDFC FMP 1846D August 2013 (1) - IDCW Option doesn't yet have 10 years of NAVs. Over the longest available window (7-year SIP), ₹10,000/month would have grown to ₹665,149 — XIRR -6.62%.

On a 5-year basis, HDFC FMP 1846D August 2013 (1) - IDCW Option ranks #92 out of 92 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 3.38%; this fund delivered -7.14%.

The worst peak-to-trough decline HDFC FMP 1846D August 2013 (1) - IDCW Option has experienced over the last 5-year window is 34.73% — its NAV fell from a high on 31 Aug 2018 to a low on 04 Oct 2018. 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) - IDCW Option averaged -0.65% (best 8.65%, worst -7.14%). 2% of rolling windows ended positive. The 5-year Sharpe ratio is -0.56 — negative risk-adjusted performance.

In calendar year 2021, HDFC FMP 1846D August 2013 (1) - IDCW Option returned 8.35% — beating the Medium to Long Duration Fund category average of -6.85% by 15.21 pp. It ranked #10 of 355 in its category that year.

HDFC FMP 1846D August 2013 (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 1846D August 2013 (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. Worst 5-year drawdown: 34.7%. 5-year CAGR: -7.14%.

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