Should I invest in HDFC Growth Fund?

We don't give personal investment advice. HDFC Growth Fund - Dividend Option is suitable for an investor whose:horizon is 3-5 years — too short for pure equity, too long for pure debtwants a single fund that automatically rebalances between equity and debtis comfortable trading some upside for lower volatility vs a pure equity fundCross-check the numbers above against alternatives before deciding. Worst 5-year drawdown: 17.1%. 5-year CAGR: 4.80%.

HDFC

HDFC Growth Fund - Dividend Option

Latest NAV

₹35.5370

As of

3 Jun 2026

4,963 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	+0.22%	+0.21%	+0.01	6 / 9	Q3
1W	-1.10%	-1.01%	-0.09	6 / 9	Q3
2W	-0.64%	-0.22%	-0.42	9 / 9	Q4
1M	-2.72%	-1.60%	-1.12	9 / 9	Q4
3M	-5.15%	-2.74%	-2.41	9 / 9	Q4
6M	-8.89%	-6.02%	-2.87	8 / 9	Q4
YTD	-8.65%	-5.80%	-2.84	8 / 9	Q4
1Y	-9.17%	-4.06%	-5.11	8 / 9	Q4
2Y	-6.26%	-0.32%	-5.94	8 / 9	Q4
3Y	+5.41%	+7.68%	-2.27	7 / 9	Q4
4Y	+5.85%	+7.92%	-2.07	6 / 8	Q3
5Y	+4.80%	+6.56%	-1.76	5 / 7	Q3
7Y	+2.55%	+6.48%	-3.93	5 / 7	Q3
10Y	+2.68%	+7.14%	-4.46	6 / 7	Q4
Inception	+1.57%	+7.57%	-6.00	9 / 9	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	-8.65%	-5.80%	-2.84	8 / 9
2025	-1.12%	+2.29%	-3.40	8 / 9
2024	+7.74%	+11.68%	-3.94	7 / 9
2023	+19.62%	+17.65%	+1.97	3 / 9
2022	+6.67%	+5.15%	+1.53	2 / 8
2021	+13.43%	+13.53%	-0.10	4 / 7
2020	-6.87%	+4.96%	-11.83	7 / 7
2019	-8.48%	+2.91%	-11.39	7 / 7
2018	-17.44%	-5.36%	-12.07	7 / 7
2017	+21.44%	+23.10%	-1.66	5 / 7
2016	-4.35%	+0.55%	-4.90	5 / 7

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

+4.42%

234 windows

min -53.1% · max 73.7%

52% positive

3-Year rolling

+2.07%

210 windows

min -15.6% · max 20.3%

65% positive

5-Year rolling

+1.33%

185 windows

min -9.8% · max 14.6%

58% positive

7-Year rolling

+0.72%

161 windows

min -4.4% · max 6.3%

60% positive

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

9.93%

3-year · annualised

Sharpe ratio

-0.07

vs risk-free 6.5%

Sortino ratio

-0.11

Downside-only deviation

Max drawdown

-17.07%

Sep 2024 → Mar 2026

% positive months

55.6%

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 Balanced Advantage Fund

Scheme	Fund house	NAV	As of
HDFC Growth Fund - Growth Option	HDFC	₹505.4060	3 Jun 2026
Franklin India Balanced Advantage Fund- Growth	Franklin India	₹13.9835	3 Jun 2026
Reliance NRI Equity Fund-Dividend Plan-Dividend Option	Reliance	₹30.8940	3 Jun 2026
Religare Equity Fund - Dividend	Religare	₹17.1300	3 Jun 2026
Sundaram Balanced Advantage Fund (Formerly Known as Principal Balanced Advantage Fund) - Growth Option	Sundaram	₹33.9688	3 Jun 2026

Recent NAVs

Date	NAV
3 Jun 2026	₹35.5370
2 Jun 2026	₹35.5790
1 Jun 2026	₹35.5000
29 May 2026	₹35.6870
27 May 2026	₹36.0140
26 May 2026	₹35.9750
25 May 2026	₹36.3420
22 May 2026	₹35.9790
21 May 2026	₹35.8990
20 May 2026	₹35.8520

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 03 Jun 2026, the NAV of HDFC Growth Fund - Dividend Option is ₹35.5370. It's a Balanced Advantage Fund from HDFC, run as a Unknown plan Growth option. NAVs update once per business day from the AMFI feed.

HDFC Growth Fund - Dividend Option has NAV history starting from 03 Apr 2006, a track record of about 20 years 2 months. Long-tenured funds like this have weathered multiple market cycles — the 2008 crash, 2013 taper tantrum, 2020 COVID drawdown — which makes their returns more credible than a 3-year track record alone.

HDFC Growth Fund - Dividend Option is managed by HDFC. It's classified by AMFI under the 'Balanced Advantage Fund' SEBI category, which determines its peer set and tax treatment.

Over the trailing 1-year window, HDFC Growth Fund - Dividend Option has delivered a absolute return of -9.17% — -5.11 pp behind the Balanced Advantage Fund category average of -4.06%. The fund ranks #8 of 9 in its category — the bottom (Q4) quartile.

Over the trailing 3-year window, HDFC Growth Fund - Dividend Option has delivered a CAGR of 5.41% — -2.27 pp behind the Balanced Advantage Fund category average of 7.68%. The fund ranks #7 of 9 in its category — the bottom (Q4) quartile.

Over the trailing 5-year window, HDFC Growth Fund - Dividend Option has delivered a CAGR of 4.80% — -1.76 pp behind the Balanced Advantage Fund category average of 6.56%. The fund ranks #5 of 7 in its category — the third (Q3) quartile.

₹1 lakh invested in HDFC Growth Fund - Dividend Option exactly 10 years ago would be worth approximately ₹130,231 today — a multiplier of 1.30×, based on the 10-year CAGR of 2.68%. The category average over the same window would have grown ₹1 lakh to ₹199,237.

A ₹10,000 monthly SIP in HDFC Growth Fund - Dividend Option over the last 5 years — total invested ₹600,000 — would be worth ₹637,400 today. That's an XIRR (money-weighted annualised return) of 2.38%.

A ₹10,000 monthly SIP for 10 years in HDFC Growth Fund - Dividend Option = ₹1,200,000 invested. It would currently be worth ₹1,414,103 (multiplier 1.18×). XIRR: 3.22%. Long-horizon SIP results matter more than point-to-point returns because they smooth out entry timing.

On a 5-year basis, HDFC Growth Fund - Dividend Option ranks #5 out of 7 funds in the Balanced Advantage Fund category — that places it in the third quartile (Q3) — below the median. The category average return over the same window is 6.56%; this fund delivered 4.80%.

The worst peak-to-trough decline HDFC Growth Fund - Dividend Option has experienced over the last 5-year window is 17.07% — its NAV fell from a high on 25 Sep 2024 to a low on 30 Mar 2026. 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 Growth Fund - Dividend Option averaged 1.33% (best 14.63%, worst -9.76%). 58% of rolling windows ended positive. The 5-year Sharpe ratio is -0.12 — negative risk-adjusted performance.

In calendar year 2025, HDFC Growth Fund - Dividend Option returned -1.12% — lagging the Balanced Advantage Fund category average of 2.29% by 3.40 pp. It ranked #8 of 9 in its category that year.

HDFC Growth Fund - Dividend Option is a Hybrid scheme. Tax treatment follows its actual equity allocation as disclosed by the AMC: at least 65% equity behaves like an equity fund (12.5% LTCG over 12 months, 20% STCG); 35-65% equity often gets an equity-style treatment with a 24-month threshold; under 35% equity is taxed at slab rate like a debt fund. Check the AMC's latest factsheet for the current classification.

We don't give personal investment advice. HDFC Growth Fund - Dividend Option is suitable for an investor whose:

horizon is 3-5 years — too short for pure equity, too long for pure debt
wants a single fund that automatically rebalances between equity and debt
is comfortable trading some upside for lower volatility vs a pure equity fund

Cross-check the numbers above against alternatives before deciding. Worst 5-year drawdown: 17.1%. 5-year CAGR: 4.80%.

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