Should I invest in HDFC High Interest Fund - Short Term Plan?

We don't give personal investment advice. HDFC High Interest Fund - Short Term Plan-Dividend 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: 2.4%. 5-year CAGR: 0.01%.

HDFC

HDFC High Interest Fund - Short Term Plan-Dividend Option

Latest NAV

₹10.1086

As of

3 Jun 2026

4,882 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	+0.04%	+25.25%	-25.21	16 / 35	Q2
1W	+0.23%	+18.62%	-18.39	13 / 37	Q2
2W	+0.46%	+22.17%	-21.71	16 / 36	Q2
1M	+0.26%	+22.42%	-22.16	24 / 36	Q3
3M	0.00%	+23.24%	-23.25	27 / 36	Q3
6M	+0.07%	+24.66%	-24.58	28 / 36	Q4
YTD	-0.05%	+22.37%	-22.42	29 / 36	Q4
1Y	+0.02%	+27.07%	-27.05	26 / 36	Q3
2Y	-0.07%	+10.05%	-10.12	30 / 34	Q4
3Y	-0.02%	+3.02%	-3.04	27 / 31	Q4
4Y	+0.40%	+3.05%	-2.65	27 / 31	Q4
5Y	+0.01%	+2.73%	-2.72	28 / 31	Q4
7Y	-0.69%	+2.69%	-3.37	27 / 28	Q4
10Y	-0.46%	+3.13%	-3.60	24 / 25	Q4
Inception	-0.20%	+10.26%	-10.46	35 / 35	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	-0.05%	+0.59%	-0.64	15 / 17
2025	+0.03%	+3.35%	-3.31	16 / 20
2024	+0.03%	+4.91%	-4.88	17 / 20
2023	+0.00%	-0.96%	+0.96	19 / 21
2022	+0.10%	+33.83%	-33.73	19 / 27
2021	-1.13%	+0.84%	-1.98	20 / 28
2020	-3.76%	+1.22%	-4.98	26 / 30
2019	+0.13%	+2.51%	-2.38	21 / 30
2018	+0.09%	+2.64%	-2.54	25 / 30
2017	+0.26%	+2.00%	-1.74	15 / 30
2016	-0.90%	+5.02%	-5.92	30 / 31

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

-0.23%

234 windows

min -5.3% · max 2.5%

49% positive

3-Year rolling

-0.27%

210 windows

min -2.2% · max 1.0%

36% positive

5-Year rolling

-0.32%

185 windows

min -1.3% · max 0.4%

26% positive

7-Year rolling

-0.29%

161 windows

min -0.9% · max 0.3%

27% 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

1.01%

3-year · annualised

Sharpe ratio

-6.43

vs risk-free 6.5%

Sortino ratio

-9.08

Downside-only deviation

Max drawdown

-1.72%

Apr 2025 → Apr 2026

% positive months

50.0%

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 Duration Fund

Scheme	Fund house	NAV	As of
HDFC High Interest Fund - Short Term Plan-Growth Option	HDFC	₹58.8405	3 Jun 2026
Nippon India Medium Duration Fund - Segregated Portfolio 2 - Bonus Option	Nippon India	₹0.0000	3 Jun 2026
SBI Magnum Income Plus Fund - Investment Plan (D)	SBI	₹20.7048	3 Jun 2026
ICICI Prudential Long Term Floating Rate Plan-Plan A-Growth	ICICI Prudential	₹47.3245	3 Jun 2026
Kotak Medium Term Fund - Standard Income Distribution cum capital withdrawal option	Kotak	₹14.6617	3 Jun 2026
IDFC - SSIF - Medium Term - Bimonthly Dividend Option	IDFC	₹10.2608	3 Jun 2026
Sundaram BNP Paribas Bond Saver-Growth	Sundaram BNP Paribas	₹70.5138	3 Jun 2026

Recent NAVs

Date	NAV
3 Jun 2026	₹10.1086
2 Jun 2026	₹10.1106
1 Jun 2026	₹10.1064
29 May 2026	₹10.1030
27 May 2026	₹10.0953
26 May 2026	₹10.0871
25 May 2026	₹10.0859
22 May 2026	₹10.0662
21 May 2026	₹10.0584
20 May 2026	₹10.0671

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 High Interest Fund - Short Term Plan-Dividend Option is ₹10.1086. It's a Medium Duration Fund from HDFC, run as a Unknown plan IDCW (dividend) option. NAVs update once per business day from the AMFI feed.

HDFC High Interest Fund - Short Term Plan-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 High Interest Fund - Short Term Plan-Dividend Option is managed by HDFC. It's classified by AMFI under the 'Medium Duration Fund' SEBI category, which determines its peer set and tax treatment.

Over the trailing 1-year window, HDFC High Interest Fund - Short Term Plan-Dividend Option has delivered a absolute return of 0.02% — -27.05 pp behind the Medium Duration Fund category average of 27.07%. The fund ranks #26 of 36 in its category — the third (Q3) quartile.

Over the trailing 3-year window, HDFC High Interest Fund - Short Term Plan-Dividend Option has delivered a CAGR of -0.02% — -3.04 pp behind the Medium Duration Fund category average of 3.02%. The fund ranks #27 of 31 in its category — the bottom (Q4) quartile.

Over the trailing 5-year window, HDFC High Interest Fund - Short Term Plan-Dividend Option has delivered a CAGR of 0.01% — -2.72 pp behind the Medium Duration Fund category average of 2.73%. The fund ranks #28 of 31 in its category — the bottom (Q4) quartile.

₹1 lakh invested in HDFC High Interest Fund - Short Term Plan-Dividend Option exactly 10 years ago would be worth approximately ₹95,470 today — a multiplier of 0.95×, based on the 10-year CAGR of -0.46%. The category average over the same window would have grown ₹1 lakh to ₹136,154.

A ₹10,000 monthly SIP in HDFC High Interest Fund - Short Term Plan-Dividend Option over the last 5 years — total invested ₹600,000 — would be worth ₹600,448 today. That's an XIRR (money-weighted annualised return) of 0.03%.

A ₹10,000 monthly SIP for 10 years in HDFC High Interest Fund - Short Term Plan-Dividend Option = ₹1,200,000 invested. It would currently be worth ₹1,176,916 (multiplier 0.98×). XIRR: -0.39%. Long-horizon SIP results matter more than point-to-point returns because they smooth out entry timing.

On a 5-year basis, HDFC High Interest Fund - Short Term Plan-Dividend Option ranks #28 out of 31 funds in the Medium Duration Fund category — that places it in the bottom quartile (Q4) — material underperformance. The category average return over the same window is 2.73%; this fund delivered 0.01%.

The worst peak-to-trough decline HDFC High Interest Fund - Short Term Plan-Dividend Option has experienced over the last 5-year window is 2.41% — its NAV fell from a high on 13 Sep 2021 to a low on 09 May 2022. 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 High Interest Fund - Short Term Plan-Dividend Option averaged -0.32% (best 0.45%, worst -1.28%). 26% of rolling windows ended positive. The 5-year Sharpe ratio is -5.22 — negative risk-adjusted performance.

In calendar year 2025, HDFC High Interest Fund - Short Term Plan-Dividend Option returned 0.03% — lagging the Medium Duration Fund category average of 3.35% by 3.31 pp. It ranked #16 of 20 in its category that year.

HDFC High Interest Fund - Short Term Plan-Dividend 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 High Interest Fund - Short Term Plan-Dividend 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: 2.4%. 5-year CAGR: 0.01%.

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