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: -0.06%.

HDFC

HDFC High Interest Fund - Short Term Plan-Dividend Option

Latest NAV

₹10.0948

As of

17 Jul 2026

4,913 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	+0.03%	-0.05%	+0.08	8 / 32	Q1
1W	-0.55%	-0.09%	-0.47	31 / 32	Q4
2W	-0.53%	-0.01%	-0.52	29 / 32	Q4
1M	-0.28%	+0.54%	-0.82	29 / 32	Q4
3M	-0.28%	+1.27%	-1.55	28 / 32	Q4
6M	+0.12%	+2.01%	-1.89	27 / 32	Q4
YTD	-0.21%	+1.08%	-1.29	28 / 32	Q4
1Y	-0.25%	+2.31%	-2.56	25 / 32	Q4
2Y	-0.11%	+2.97%	-3.08	25 / 31	Q4
3Y	-0.16%	+3.19%	-3.35	28 / 31	Q4
4Y	+0.13%	+3.11%	-2.98	27 / 31	Q4
5Y	-0.06%	+2.66%	-2.72	25 / 31	Q4
7Y	-0.73%	+2.70%	-3.43	27 / 28	Q4
10Y	-0.52%	+3.14%	-3.66	24 / 25	Q4
Inception	-0.21%	+2.93%	-3.14	32 / 32	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	-0.21%	+1.89%	-2.10	16 / 17
2025	+0.03%	+3.35%	-3.31	16 / 20
2024	+0.03%	+4.91%	-4.88	17 / 20
2023	+0.00%	+3.99%	-3.99	19 / 20
2022	+0.10%	+0.86%	-0.76	16 / 24
2021	-1.13%	+2.88%	-4.01	20 / 25
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%

236 windows

min -4.6% · max 3.9%

49% positive

3-Year rolling

-0.27%

211 windows

min -2.2% · max 0.8%

42% positive

5-Year rolling

-0.32%

187 windows

min -1.4% · max 0.6%

27% positive

7-Year rolling

-0.30%

163 windows

min -0.9% · max 0.5%

20% 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

1.03%

3-year · annualised

Sharpe ratio

-6.45

vs risk-free 6.5%

Sortino ratio

-9.00

Downside-only deviation

Max drawdown

-1.72%

Apr 2025 → Apr 2026

% positive months

47.2%

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 Duration Fund

Scheme	Fund house	NAV	As of
HDFC High Interest Fund - Short Term Plan-Growth Option	HDFC	₹59.9954	17 Jul 2026
Nippon India Medium Duration Fund - Segregated Portfolio 2 - Bonus Option	Nippon India	₹0.0000	17 Jul 2026
SBI Magnum Income Plus Fund - Investment Plan (D)	SBI	₹21.1335	17 Jul 2026
ICICI Prudential Long Term Floating Rate Plan-Plan A-Growth	ICICI Prudential	₹48.2972	17 Jul 2026
Kotak Medium Term Fund - Standard Income Distribution cum capital withdrawal option	Kotak	₹14.9765	17 Jul 2026
IDFC - SSIF - Medium Term - Bimonthly Dividend Option	IDFC	₹10.4772	17 Jul 2026
Sundaram BNP Paribas Bond Saver-Growth	Sundaram BNP Paribas	₹71.6149	17 Jul 2026

Recent NAVs

Date	NAV
17 Jul 2026	₹10.0948
16 Jul 2026	₹10.0921
15 Jul 2026	₹10.0830
14 Jul 2026	₹10.0784
13 Jul 2026	₹10.0995
10 Jul 2026	₹10.1509
9 Jul 2026	₹10.1361
8 Jul 2026	₹10.1324
7 Jul 2026	₹10.1545
6 Jul 2026	₹10.1566

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 High Interest Fund - Short Term Plan-Dividend Option is ₹10.0948. 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 3 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 -0.25% — -2.56 pp behind the Medium Duration Fund category average of 2.31%. The fund ranks #25 of 32 in its category — the bottom (Q4) quartile.

Over the trailing 3-year window, HDFC High Interest Fund - Short Term Plan-Dividend Option has delivered a CAGR of -0.16% — -3.35 pp behind the Medium Duration Fund category average of 3.19%. The fund ranks #28 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 -0.06% — -2.72 pp behind the Medium Duration Fund category average of 2.66%. The fund ranks #25 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 ₹94,901 today — a multiplier of 0.95×, based on the 10-year CAGR of -0.52%. The category average over the same window would have grown ₹1 lakh to ₹136,237.

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 ₹599,547 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 ₹1,176,141 (multiplier 0.98×). XIRR: -0.40%. 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 #25 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 2.66%; this fund delivered -0.06%.

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 0.55%, worst -1.37%). 27% of rolling windows ended positive. The 5-year Sharpe ratio is -5.05 — 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: -0.06%.

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