Should I invest in HDFC Housing Opportunities Fund?

We don't give personal investment advice. HDFC Housing Opportunities Fund - Growth Option is suitable for an investor whose:time horizon is **5+ years** — equity funds can drop 30-50% in bad years; horizons under 5 years materially raise the risk of selling at a lossrisk tolerance accepts seeing the portfolio fall sharply without panic-sellinggoal isn't capital preservation in the short termCross-check the numbers above against alternatives before deciding. Worst 5-year drawdown: 23.4%. 5-year CAGR: 12.81%.

HDFC

HDFC Housing Opportunities Fund - Growth Option

Latest NAV

₹21.1080

As of

3 Jun 2026

2,088 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	-0.23%	+0.28%	-0.51	104 / 122	Q4
1W	-2.05%	-1.28%	-0.77	87 / 122	Q3
2W	-0.21%	+0.09%	-0.30	71 / 122	Q3
1M	-3.20%	-0.62%	-2.59	106 / 122	Q4
3M	-4.50%	+1.50%	-6.00	106 / 122	Q4
6M	-5.27%	-2.06%	-3.22	69 / 122	Q3
YTD	-5.83%	-1.85%	-3.98	78 / 122	Q3
1Y	-4.30%	+2.44%	-6.74	91 / 119	Q4
2Y	-4.66%	+3.47%	-8.12	101 / 116	Q4
3Y	+14.08%	+14.90%	-0.82	57 / 112	Q3
4Y	+15.48%	+14.65%	+0.83	50 / 105	Q2
5Y	+12.81%	+12.36%	+0.44	43 / 104	Q2
7Y	+11.44%	+13.76%	-2.32	67 / 99	Q3
10Y	—	—	—	—	—
Inception	+9.21%	+10.81%	-1.59	73 / 122	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	-5.83%	-2.01%	-3.82	74 / 118
2025	-0.02%	+3.20%	-3.21	62 / 115
2024	+13.68%	+19.60%	-5.92	80 / 113
2023	+38.43%	+31.56%	+6.87	37 / 108
2022	+13.13%	+2.19%	+10.94	23 / 104
2021	+29.86%	+32.41%	-2.55	50 / 102
2020	+2.66%	+18.32%	-15.67	84 / 100
2019	+1.61%	+5.50%	-3.89	65 / 97
2018	-10.25%	-10.07%	-0.19	51 / 94
2017	—	—	—	—

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

+14.16%

92 windows

min -37.2% · max 74.6%

65% positive

3-Year rolling

+17.01%

67 windows

min -3.2% · max 30.5%

97% positive

5-Year rolling

+16.88%

43 windows

min 6.3% · max 26.2%

100% positive

Limited basis — fund is young, so this average may be skewed by which 5Y windows happen to be available.

7-Year rolling

+12.66%

19 windows

min 10.3% · max 14.9%

100% positive

Limited basis — fund is young, so this average may be skewed by which 7Y windows happen to be available.

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

16.53%

3-year · annualised

Sharpe ratio

0.49

vs risk-free 6.5%

Sortino ratio

0.77

Downside-only deviation

Max drawdown

-23.41%

Sep 2024 → Mar 2025

% positive months

63.9%

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 Sectoral/Thematic Fund

Scheme	Fund house	NAV	As of
HDFC Banking & Financial Services Fund - Growth Option	HDFC	₹16.8310	3 Jun 2026
Nippon India Japan Equity Fund- Growth Plan- Bonus Option	Nippon India	₹27.7005	3 Jun 2026
Magnum Equity Fund -Dividend	SBI	₹71.4772	3 Jun 2026
ICICI Prudential Active Momentum Fund - Growth	ICICI Prudential	₹10.5700	3 Jun 2026
Franklin Asian Equity Fund - Dividend Plan	Franklin Templeton	₹21.5824	3 Jun 2026
Franklin India Multi-Factor Fund- Growth	Franklin India	₹9.2801	3 Jun 2026
Kotak Infrastructure & Economic Reform Fund - Standard Plan-Growth	Kotak	₹67.0980	3 Jun 2026
Canara Robeco Infrastructure-DIVIDEND	Canara Robeco	₹64.3200	3 Jun 2026
UTI - MNC Fund (UGS 10000)-Growth Option	UTI	₹382.6597	3 Jun 2026
BANK OF INDIA Manufacturing & Infrastructure Fund-Growth	Bank of India	₹62.7500	3 Jun 2026

Recent NAVs

Date	NAV
3 Jun 2026	₹21.1080
2 Jun 2026	₹21.1760
1 Jun 2026	₹21.2250
29 May 2026	₹21.4560
27 May 2026	₹21.6860
26 May 2026	₹21.6190
25 May 2026	₹21.6430
22 May 2026	₹21.3960
21 May 2026	₹21.3000
20 May 2026	₹21.2130

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 Housing Opportunities Fund - Growth Option is ₹21.1080. It's a Sectoral/Thematic Fund from HDFC, run as a Unknown plan Growth option. NAVs update once per business day from the AMFI feed.

HDFC Housing Opportunities Fund - Growth Option has NAV history starting from 07 Dec 2017, a track record of about 8 years 5 months. That's enough history to evaluate the fund across one or two market cycles. Look at rolling returns rather than point-to-point to judge consistency.

HDFC Housing Opportunities Fund - Growth Option is managed by HDFC. It's classified by AMFI under the 'Sectoral/Thematic Fund' SEBI category, which determines its peer set and tax treatment.

Over the trailing 1-year window, HDFC Housing Opportunities Fund - Growth Option has delivered a absolute return of -4.30% — -6.74 pp behind the Sectoral/Thematic Fund category average of 2.44%. The fund ranks #91 of 119 in its category — the bottom (Q4) quartile.

Over the trailing 3-year window, HDFC Housing Opportunities Fund - Growth Option has delivered a CAGR of 14.08% — -0.82 pp behind the Sectoral/Thematic Fund category average of 14.90%. The fund ranks #57 of 112 in its category — the third (Q3) quartile.

Over the trailing 5-year window, HDFC Housing Opportunities Fund - Growth Option has delivered a CAGR of 12.81% — +0.44 pp ahead of the Sectoral/Thematic Fund category average of 12.36%. The fund ranks #43 of 104 in its category — the second (Q2) quartile.

₹1 lakh invested in HDFC Housing Opportunities Fund - Growth Option exactly 5 years ago would be worth approximately ₹182,662 today — a multiplier of 1.83×, based on the 5-year CAGR of 12.81%. The category average over the same window would have grown ₹1 lakh to ₹179,117.

A ₹10,000 monthly SIP in HDFC Housing Opportunities Fund - Growth Option over the last 5 years — total invested ₹600,000 — would be worth ₹770,464 today. That's an XIRR (money-weighted annualised return) of 9.93%.

HDFC Housing Opportunities Fund - Growth Option doesn't yet have 10 years of NAVs. Over the longest available window (7-year SIP), ₹10,000/month would have grown to ₹1,359,127 — XIRR 13.50%.

On a 5-year basis, HDFC Housing Opportunities Fund - Growth Option ranks #43 out of 104 funds in the Sectoral/Thematic Fund category — that places it in the second quartile (Q2) — above the median. The category average return over the same window is 12.36%; this fund delivered 12.81%.

The worst peak-to-trough decline HDFC Housing Opportunities Fund - Growth Option has experienced over the last 5-year window is 23.41% — its NAV fell from a high on 27 Sep 2024 to a low on 03 Mar 2025. 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 Housing Opportunities Fund - Growth Option averaged 16.88% (best 26.22%, worst 6.34%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is 0.43 — weak risk-adjusted performance.

In calendar year 2025, HDFC Housing Opportunities Fund - Growth Option returned -0.02% — lagging the Sectoral/Thematic Fund category average of 3.20% by 3.21 pp. It ranked #62 of 115 in its category that year.

HDFC Housing Opportunities Fund - Growth Option is classified as an Equity fund (at least 65% equity exposure). Tax rules (post Budget 2024): if you hold 12 months or more, gains are Long-Term and taxed at 12.5% on the amount exceeding ₹1.25 lakh per financial year. Held for under 12 months, gains are Short-Term and taxed at 20%. The ₹1.25 L exemption is per PAN per FY across all equity LTCG.

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

time horizon is **5+ years** — equity funds can drop 30-50% in bad years; horizons under 5 years materially raise the risk of selling at a loss
risk tolerance accepts seeing the portfolio fall sharply without panic-selling
goal isn't capital preservation in the short term

Cross-check the numbers above against alternatives before deciding. Worst 5-year drawdown: 23.4%. 5-year CAGR: 12.81%.

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