Should I invest in HDFC FMP 1861D March 2022?

We don't give personal investment advice. HDFC FMP 1861D March 2022 - 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.

HDFC

HDFC FMP 1861D March 2022 - Growth Option - Direct Plan

Latest NAV

₹13.2709

As of

17 Jul 2026

1,055 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	+0.02%	-2.27%	+2.29	217 / 1079	Q1
1W	+0.07%	-2.67%	+2.74	553 / 945	Q3
2W	+0.18%	-2.63%	+2.81	451 / 930	Q2
1M	+0.53%	-2.40%	+2.93	258 / 924	Q2
3M	+1.44%	-1.35%	+2.80	382 / 916	Q2
6M	+3.03%	+0.02%	+3.01	371 / 876	Q2
YTD	+3.27%	-0.17%	+3.44	225 / 880	Q2
1Y	+5.99%	+3.22%	+2.77	429 / 835	Q3
2Y	+7.52%	+4.01%	+3.51	333 / 807	Q2
3Y	+7.53%	+4.45%	+3.08	481 / 800	Q3
4Y	+7.59%	+7.85%	-0.26	97 / 166	Q3
5Y	—	—	—	—	—
7Y	—	—	—	—	—
10Y	—	—	—	—	—
Inception	+6.67%	+5.01%	+1.66	850 / 1079	Q4

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
2026 YTD	+3.27%	+2.71%	+0.56	18 / 91
2025	+7.98%	+6.90%	+1.08	17 / 98
2024	+8.42%	+9.13%	-0.71	31 / 103
2023	+7.38%	+7.13%	+0.24	20 / 89
2022	—	—	—	—

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

+7.61%

42 windows

min 2.7% · max 9.5%

100% positive

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

3-Year rolling

+7.77%

17 windows

min 6.4% · max 8.3%

100% 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

0.86%

3-year · annualised

Sharpe ratio

0.92

vs risk-free 6.5%

Sortino ratio

—

Downside-only deviation

Max drawdown

-0.34%

Sep 2023 → Oct 2023

% positive months

100.0%

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	₹12.6069	17 Jul 2026
Nippon India Fixed Maturity Plan XLI - Series 8 - Direct Plan - Growth Option	Nippon India	₹17.7273	17 Jul 2026
SBI Fixed Maturity Plan (FMP) - Series 1 (3668 Days) - Direct Plan - Growth	SBI	₹17.7027	17 Jul 2026
ICICI Prudential Bond Fund - Direct Plan - Growth	ICICI Prudential	₹44.8881	17 Jul 2026
BANDHAN Fixed Term Plan Series 179 DIRECT PLAN-GROWTH (3652 days)	Bandhan	₹18.0849	17 Jul 2026
Aditya Birla Sun Life Fixed Term Plan - Series TJ (1838 days) - Direct Plan - Growth Option	Aditya Birla Sun Life	₹13.6165	17 Jul 2026
Franklin India Medium to Long Duration Fund - Direct Growth	Franklin India	₹11.2815	17 Jul 2026
Kotak Bond Fund - Growth - Direct	Kotak	₹90.6522	17 Jul 2026
DSP FMP Series - 264 - 60M - 17D - Direct - Growth	DSP	₹13.3392	17 Jul 2026
HSBC Medium to Long Duration Fund - Direct Growth	HSBC	₹48.8567	17 Jul 2026

Recent NAVs

Date	NAV
17 Jul 2026	₹13.2709
16 Jul 2026	₹13.2688
15 Jul 2026	₹13.2663
14 Jul 2026	₹13.2675
13 Jul 2026	₹13.2684
10 Jul 2026	₹13.2611
9 Jul 2026	₹13.2583
8 Jul 2026	₹13.2539
7 Jul 2026	₹13.2535
6 Jul 2026	₹13.2529

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 17 Jul 2026, the NAV of HDFC FMP 1861D March 2022 - Growth Option - Direct Plan is ₹13.2709. 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 1861D March 2022 - Growth Option - Direct Plan has NAV history starting from 09 Mar 2022, a track record of about 4 years 4 months. It's a relatively new scheme. With under 5 years of NAVs, peer comparison is the best yardstick — point-to-point returns can be skewed by entry timing.

HDFC FMP 1861D March 2022 - 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 1861D March 2022 - Growth Option - Direct Plan has delivered a absolute return of 5.99% — +2.77 pp ahead of the Medium to Long Duration Fund category average of 3.22%. The fund ranks #429 of 835 in its category — the third (Q3) quartile.

Over the trailing 3-year window, HDFC FMP 1861D March 2022 - Growth Option - Direct Plan has delivered a CAGR of 7.53% — +3.08 pp ahead of the Medium to Long Duration Fund category average of 4.45%. The fund ranks #481 of 800 in its category — the third (Q3) quartile.

HDFC FMP 1861D March 2022 - Growth 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 1861D March 2022 - Growth Option - Direct Plan exactly 3 years ago would be worth approximately ₹124,347 today — a multiplier of 1.24×, based on the 3-year CAGR of 7.53%. The category average over the same window would have grown ₹1 lakh to ₹113,950.

A ₹10,000 monthly SIP in HDFC FMP 1861D March 2022 - Growth Option - Direct Plan over the last 3 years — total invested ₹360,000 — would be worth ₹402,323 today. That's an XIRR (money-weighted annualised return) of 7.35%.

HDFC FMP 1861D March 2022 - Growth 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 ₹402,323 — XIRR 7.35%.

On a 3-year basis, HDFC FMP 1861D March 2022 - Growth Option - Direct Plan ranks #481 out of 800 funds in the Medium to Long Duration Fund category — that places it in the third quartile (Q3) — below the median. The category average return over the same window is 4.45%; this fund delivered 7.53%.

The worst peak-to-trough decline HDFC FMP 1861D March 2022 - Growth Option - Direct Plan has experienced over the last 3-year window is 0.34% — its NAV fell from a high on 26 Sep 2023 to a low on 10 Oct 2023. 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 1861D March 2022 - Growth Option - Direct Plan averaged 7.77% (best 8.30%, worst 6.41%). 100% of rolling windows ended positive. The 3-year Sharpe ratio is 0.92 — reasonable risk-adjusted performance.

In calendar year 2025, HDFC FMP 1861D March 2022 - Growth Option - Direct Plan returned 7.98% — beating the Medium to Long Duration Fund category average of 6.90% by 1.08 pp. It ranked #17 of 98 in its category that year.

HDFC FMP 1861D March 2022 - 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 1861D March 2022 - 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.

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