Should I invest in HDFC Housing Opportunities Fund?

We don't give personal investment advice. HDFC Housing Opportunities Fund - Growth Option - Direct Plan 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: 23.1%. 5-year CAGR: 13.55%.

HDFC

HDFC Housing Opportunities Fund - Growth Option - Direct Plan

Latest NAV

₹23.7380

As of

17 Jul 2026

2,119 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.

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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	+0.55%	-0.05%	+0.60	53 / 258	Q1
1W	-0.54%	-0.18%	-0.36	192 / 258	Q3
2W	-1.12%	-0.17%	-0.95	236 / 259	Q4
1M	+0.10%	+1.63%	-1.52	213 / 259	Q4
3M	-0.32%	+4.83%	-5.15	230 / 259	Q4
6M	-1.82%	+4.61%	-6.43	210 / 250	Q4
YTD	-2.76%	+2.98%	-5.74	196 / 247	Q4
1Y	-3.88%	+5.46%	-9.33	211 / 235	Q4
2Y	-4.45%	+4.09%	-8.54	171 / 187	Q4
3Y	+13.69%	+15.93%	-2.24	100 / 148	Q3
4Y	+17.56%	+17.58%	-0.03	70 / 121	Q3
5Y	+13.55%	+13.72%	-0.17	64 / 110	Q3
7Y	+13.72%	+17.79%	-4.08	75 / 91	Q4
10Y	—	—	—	—	—
Inception	+10.53%	+12.07%	-1.54	170 / 259	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	-2.76%	+3.40%	-6.16	194 / 244
2025	+0.97%	+4.41%	-3.44	133 / 208
2024	+14.79%	+23.18%	-8.38	121 / 155
2023	+39.81%	+33.51%	+6.29	37 / 127
2022	+14.27%	+4.32%	+9.95	31 / 116
2021	+31.15%	+34.43%	-3.28	53 / 104
2020	+3.19%	+21.19%	-18.01	80 / 94
2019	+2.46%	+9.30%	-6.84	70 / 85
2018	-8.62%	-5.36%	-3.27	45 / 77
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

+15.79%

93 windows

min -34.2% · max 70.8%

72% positive

3-Year rolling

+18.44%

69 windows

min -0.9% · max 31.6%

97% positive

5-Year rolling

+17.81%

45 windows

min 7.1% · max 29.7%

100% positive

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

7-Year rolling

+13.91%

20 windows

min 11.3% · max 16.4%

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

16.77%

3-year · annualised

Sharpe ratio

0.46

vs risk-free 6.5%

Sortino ratio

0.72

Downside-only deviation

Max drawdown

-23.09%

Sep 2024 → Mar 2025

% positive months

69.4%

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 - Direct Plan	HDFC	₹19.7420	17 Jul 2026
Nippon India Active Momentum Fund-Direct Plan - Growth Option	Nippon India	₹13.0154	17 Jul 2026
SBI Automotive Opportunities Fund - Direct Plan - Growth	SBI	₹12.5868	17 Jul 2026
ICICI Prudential Active Momentum Fund - Direct Plan - Growth	ICICI Prudential	₹10.8700	17 Jul 2026
Invesco India Business Cycle Fund - Direct Plan - Growth	Invesco	₹14.5000	17 Jul 2026
Bandhan Business Cycle Fund - Direct Plan - Growth	Bandhan	₹10.1960	17 Jul 2026
quant BFSI Fund - Growth Option - Direct Plan	Quant	₹22.0723	17 Jul 2026
QUANTUM ESG BEST IN CLASS STRATEGY FUND - DIRECT PLAN - GROWTH OPTION	Quantum	₹24.7900	17 Jul 2026
Aditya Birla Sun Life Banking and Financial Services Fund - Direct Plan - Growth	Aditya Birla Sun Life	₹72.8200	17 Jul 2026
Motilal Oswal Active Momentum Fund- Direct-Growth	Motilal Oswal	₹13.5242	17 Jul 2026

Recent NAVs

Date	NAV
17 Jul 2026	₹23.7380
16 Jul 2026	₹23.6070
15 Jul 2026	₹23.6380
14 Jul 2026	₹23.5900
13 Jul 2026	₹23.8480
10 Jul 2026	₹23.8680
9 Jul 2026	₹23.5460
8 Jul 2026	₹23.4290
7 Jul 2026	₹23.9250
6 Jul 2026	₹24.0880

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 Housing Opportunities Fund - Growth Option - Direct Plan is ₹23.7380. It's a Sectoral/Thematic Fund from HDFC, run as a Direct plan Growth option. NAVs update once per business day from the AMFI feed.

HDFC Housing Opportunities Fund - Growth Option - Direct Plan has NAV history starting from 07 Dec 2017, a track record of about 8 years 7 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 - Direct Plan 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 - Direct Plan has delivered a absolute return of -3.88% — -9.33 pp behind the Sectoral/Thematic Fund category average of 5.46%. The fund ranks #211 of 235 in its category — the bottom (Q4) quartile.

Over the trailing 3-year window, HDFC Housing Opportunities Fund - Growth Option - Direct Plan has delivered a CAGR of 13.69% — -2.24 pp behind the Sectoral/Thematic Fund category average of 15.93%. The fund ranks #100 of 148 in its category — the third (Q3) quartile.

Over the trailing 5-year window, HDFC Housing Opportunities Fund - Growth Option - Direct Plan has delivered a CAGR of 13.55% — -0.17 pp behind the Sectoral/Thematic Fund category average of 13.72%. The fund ranks #64 of 110 in its category — the third (Q3) quartile.

₹1 lakh invested in HDFC Housing Opportunities Fund - Growth Option - Direct Plan exactly 5 years ago would be worth approximately ₹188,786 today — a multiplier of 1.89×, based on the 5-year CAGR of 13.55%. The category average over the same window would have grown ₹1 lakh to ₹190,217.

A ₹10,000 monthly SIP in HDFC Housing Opportunities Fund - Growth Option - Direct Plan over the last 5 years — total invested ₹600,000 — would be worth ₹799,674 today. That's an XIRR (money-weighted annualised return) of 11.43%.

HDFC Housing Opportunities Fund - Growth Option - Direct Plan doesn't yet have 10 years of NAVs. Over the longest available window (7-year SIP), ₹10,000/month would have grown to ₹1,435,597 — XIRR 15.04%.

On a 5-year basis, HDFC Housing Opportunities Fund - Growth Option - Direct Plan ranks #64 out of 110 funds in the Sectoral/Thematic Fund category — that places it in the third quartile (Q3) — below the median. The category average return over the same window is 13.72%; this fund delivered 13.55%.

The worst peak-to-trough decline HDFC Housing Opportunities Fund - Growth Option - Direct Plan has experienced over the last 5-year window is 23.09% — 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 - Direct Plan averaged 17.81% (best 29.68%, worst 7.13%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is 0.45 — weak risk-adjusted performance.

In calendar year 2025, HDFC Housing Opportunities Fund - Growth Option - Direct Plan returned 0.97% — lagging the Sectoral/Thematic Fund category average of 4.41% by 3.44 pp. It ranked #133 of 208 in its category that year.

HDFC Housing Opportunities Fund - Growth Option - Direct Plan 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 - Direct Plan 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: 23.1%. 5-year CAGR: 13.55%.

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