Should I invest in HDFC High Interest Fund-Yearly Dividend Option?

We don't give personal investment advice. HDFC High Interest Fund-Yearly 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: 6.9%. 5-year CAGR: 0.65%.

HDFC

HDFC High Interest Fund-Yearly Dividend Option

Latest NAV

₹13.7745

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

Add another fund to compare

No matches.

Compares up to 8 funds. Click any line in the legend above to hide/show it.

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	-0.09%	+0.01%	-0.10	18 / 28	Q3
1W	-0.24%	-0.01%	-0.24	20 / 28	Q3
2W	-0.25%	+0.05%	-0.30	18 / 28	Q3
1M	+1.45%	+0.88%	+0.58	9 / 28	Q2
3M	+2.49%	+1.85%	+0.64	10 / 28	Q2
6M	+0.25%	+4.01%	-3.76	25 / 28	Q4
YTD	-0.15%	+3.54%	-3.69	25 / 28	Q4
1Y	+0.07%	+5.22%	-5.16	22 / 28	Q4
2Y	+1.74%	+5.43%	-3.69	20 / 28	Q3
3Y	+1.35%	+5.03%	-3.68	21 / 28	Q3
4Y	+1.65%	+5.04%	-3.38	20 / 28	Q3
5Y	+0.65%	+4.00%	-3.35	21 / 27	Q4
7Y	+1.32%	+3.75%	-2.44	17 / 26	Q3
10Y	+0.54%	+3.83%	-3.29	18 / 25	Q3
Inception	+1.29%	+4.11%	-2.82	19 / 28	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
2026 YTD	-0.15%	+2.34%	-2.49	17 / 18
2025	+0.27%	+3.45%	-3.18	14 / 18
2024	+1.57%	+6.04%	-4.47	15 / 18
2023	+2.26%	+4.34%	-2.09	12 / 18
2022	-1.82%	+3.05%	-4.87	19 / 22
2021	+1.69%	+2.73%	-1.04	16 / 24
2020	+2.40%	+4.46%	-2.06	15 / 27
2019	-0.55%	+4.44%	-4.98	23 / 27
2018	-0.33%	+3.44%	-3.77	27 / 27
2017	-6.78%	-0.70%	-6.07	26 / 28
2016	+9.73%	+8.38%	+1.34	12 / 28

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

+1.26%

236 windows

min -7.9% · max 12.7%

69% positive

3-Year rolling

+1.17%

211 windows

min -3.9% · max 5.6%

86% positive

5-Year rolling

+1.14%

187 windows

min -2.1% · max 3.5%

88% positive

7-Year rolling

+1.08%

163 windows

min -0.9% · max 2.9%

94% 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

5.19%

3-year · annualised

Sharpe ratio

-0.96

vs risk-free 6.5%

Sortino ratio

-1.11

Downside-only deviation

Max drawdown

-6.92%

Mar 2024 → Apr 2024

% positive months

72.2%

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 Dynamic Bond Fund

Scheme	Fund house	NAV	As of
HDFC Dynamic Debt Fund - Normal IDCW Option	HDFC	₹19.9381	17 Jul 2026
NIPPON INDIA DYNAMIC BOND FUND - QUARTERLY IDCW Option	Nippon India	₹10.3500	17 Jul 2026
SBI MAGNUM NRI LONG TERM BOND PLAN-DIVIDEND	SBI	₹19.6346	17 Jul 2026
ICICI Prudential All Seasons Bond Fund - Annual IDCW	ICICI Prudential	₹11.4954	17 Jul 2026
Franklin India Dynamic Accrual Fund- Segregated Portfolio 3 (9.50% Yes Bank Ltd CO 23Dec21) - IDCW	Franklin India	₹0.0000	17 Jul 2026
PGIM India Dynamic Bond Fund - Dividend Option - Quarterly	PGIM India	₹1,044.3170	17 Jul 2026
IDFC Dynamic Bond Fund -PLAN B DIVIDEND	IDFC	₹13.6865	17 Jul 2026
Reliance NRI Income Fund-Dividend Plan-Dividend Option	Reliance	₹26.4483	17 Jul 2026
Union Dynamic Bond Fund - IDCW Option	Union	₹15.7589	17 Jul 2026
Birla Sun Life Dynamic Bond Fund-Discipline Advantage Plan-Growth	Birla Sun Life	₹33.5521	19 Jun 2026

Recent NAVs

Date	NAV
17 Jul 2026	₹13.7745
16 Jul 2026	₹13.7865
15 Jul 2026	₹13.7623
14 Jul 2026	₹13.7473
13 Jul 2026	₹13.7995
10 Jul 2026	₹13.8082
9 Jul 2026	₹13.7813
8 Jul 2026	₹13.7737
7 Jul 2026	₹13.8158
6 Jul 2026	₹13.8177

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-Yearly Dividend Option is ₹13.7745. It's a Dynamic Bond 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-Yearly 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-Yearly Dividend Option is managed by HDFC. It's classified by AMFI under the 'Dynamic Bond Fund' SEBI category, which determines its peer set and tax treatment.

Over the trailing 1-year window, HDFC High Interest Fund-Yearly Dividend Option has delivered a absolute return of 0.07% — -5.16 pp behind the Dynamic Bond Fund category average of 5.22%. The fund ranks #22 of 28 in its category — the bottom (Q4) quartile.

Over the trailing 3-year window, HDFC High Interest Fund-Yearly Dividend Option has delivered a CAGR of 1.35% — -3.68 pp behind the Dynamic Bond Fund category average of 5.03%. The fund ranks #21 of 28 in its category — the third (Q3) quartile.

Over the trailing 5-year window, HDFC High Interest Fund-Yearly Dividend Option has delivered a CAGR of 0.65% — -3.35 pp behind the Dynamic Bond Fund category average of 4.00%. The fund ranks #21 of 27 in its category — the bottom (Q4) quartile.

₹1 lakh invested in HDFC High Interest Fund-Yearly Dividend Option exactly 10 years ago would be worth approximately ₹105,532 today — a multiplier of 1.06×, based on the 10-year CAGR of 0.54%. The category average over the same window would have grown ₹1 lakh to ₹145,571.

A ₹10,000 monthly SIP in HDFC High Interest Fund-Yearly Dividend Option over the last 5 years — total invested ₹600,000 — would be worth ₹615,435 today. That's an XIRR (money-weighted annualised return) of 1.00%.

A ₹10,000 monthly SIP for 10 years in HDFC High Interest Fund-Yearly Dividend Option = ₹1,200,000 invested. It would currently be worth ₹1,254,015 (multiplier 1.04×). XIRR: 0.87%. 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-Yearly Dividend Option ranks #21 out of 27 funds in the Dynamic Bond Fund category — that places it in the bottom quartile (Q4) — material underperformance. The category average return over the same window is 4.00%; this fund delivered 0.65%.

The worst peak-to-trough decline HDFC High Interest Fund-Yearly Dividend Option has experienced over the last 5-year window is 6.92% — its NAV fell from a high on 21 Mar 2024 to a low on 19 Apr 2024. 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-Yearly Dividend Option averaged 1.14% (best 3.50%, worst -2.08%). 88% of rolling windows ended positive. The 5-year Sharpe ratio is -1.20 — negative risk-adjusted performance.

In calendar year 2025, HDFC High Interest Fund-Yearly Dividend Option returned 0.27% — lagging the Dynamic Bond Fund category average of 3.45% by 3.18 pp. It ranked #14 of 18 in its category that year.

HDFC High Interest Fund-Yearly 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-Yearly 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: 6.9%. 5-year CAGR: 0.65%.

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