Should I invest in HDFC Housing Opportunities Fund?

We don't give personal investment advice. HDFC Housing Opportunities Fund - IDCW 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: 27.2%. 5-year CAGR: 7.07%.

HDFC

HDFC Housing Opportunities Fund - IDCW Option - Direct Plan

Latest NAV

₹16.8710

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.

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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	-0.22%	+0.27%	-0.49	205 / 249	Q4
1W	-2.03%	-1.33%	-0.70	174 / 249	Q3
2W	-0.18%	-0.44%	+0.26	145 / 251	Q3
1M	-3.13%	-0.98%	-2.15	222 / 251	Q4
3M	-4.26%	+0.91%	-5.17	202 / 249	Q4
6M	-4.81%	-3.35%	-1.46	135 / 241	Q3
YTD	-5.44%	-3.40%	-2.04	141 / 241	Q3
1Y	-3.36%	+2.11%	-5.47	164 / 225	Q3
2Y	-7.39%	+1.79%	-9.17	173 / 181	Q4
3Y	+9.71%	+12.30%	-2.59	97 / 142	Q3
4Y	+10.21%	+11.74%	-1.54	85 / 122	Q3
5Y	+7.07%	+8.93%	-1.85	79 / 111	Q3
7Y	+7.55%	+13.08%	-5.53	79 / 92	Q4
10Y	—	—	—	—	—
Inception	+6.37%	+8.52%	-2.15	165 / 251	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	-5.44%	-2.64%	-2.80	139 / 237
2025	-6.58%	+1.49%	-8.07	177 / 204
2024	+7.15%	+20.10%	-12.94	144 / 158
2023	+29.07%	+30.21%	-1.14	67 / 131
2022	+5.08%	+1.48%	+3.60	48 / 119
2021	+31.15%	+31.54%	-0.39	48 / 106
2020	+3.19%	+19.90%	-16.71	78 / 95
2019	+2.46%	+6.43%	-3.97	56 / 87
2018	-8.62%	-9.17%	+0.54	38 / 78
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

+10.51%

92 windows

min -36.8% · max 76.1%

55% positive

3-Year rolling

+12.68%

67 windows

min -2.2% · max 24.7%

97% positive

5-Year rolling

+12.58%

43 windows

min 4.1% · max 19.7%

100% positive

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

7-Year rolling

+8.98%

19 windows

min 6.6% · max 10.9%

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

16.34%

3-year · annualised

Sharpe ratio

0.25

vs risk-free 6.5%

Sortino ratio

0.38

Downside-only deviation

Max drawdown

-27.22%

Sep 2024 → Mar 2025

% positive months

61.1%

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 - IDCW Option - Direct Plan	HDFC	₹15.9390	3 Jun 2026
NIPPON INDIA - JAPAN EQUITY FUND - DIRECT Plan - IDCW Option	Nippon India	₹31.2458	3 Jun 2026
SBI Automotive Opportunities Fund - Direct Plan - Income Distribution Cum Capital Withdrawal Option	SBI	₹11.7560	3 Jun 2026
ICICI Prudential Banking and Financial Services Fund - Direct Plan - IDCW	ICICI Prudential	₹64.9400	3 Jun 2026
Invesco India Business Cycle Fund - Direct Plan - IDCW	Invesco	₹13.3100	3 Jun 2026
Bandhan Business Cycle Fund - Direct Plan - IDCW	Bandhan	₹9.6290	3 Jun 2026
quant BFSI Fund - IDCW Option - Direct Plan	Quant	₹20.2732	3 Jun 2026
Aditya Birla Sun Life Banking and Financial Services Fund - DIRECT - IDCW	Aditya Birla Sun Life	₹29.4200	3 Jun 2026
Motilal Oswal Active Momentum Fund- Direct-IDCW	Motilal Oswal	₹13.3281	3 Jun 2026
Franklin India Multi-Factor Fund- Direct- IDCW	Franklin India	₹9.3581	3 Jun 2026

Recent NAVs

Date	NAV
3 Jun 2026	₹16.8710
2 Jun 2026	₹16.9250
1 Jun 2026	₹16.9630
29 May 2026	₹17.1470
27 May 2026	₹17.3300
26 May 2026	₹17.2760
25 May 2026	₹17.2940
22 May 2026	₹17.0960
21 May 2026	₹17.0180
20 May 2026	₹16.9490

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 - IDCW Option - Direct Plan is ₹16.8710. It's a Sectoral/Thematic Fund from HDFC, run as a Direct plan IDCW (dividend) option. NAVs update once per business day from the AMFI feed.

HDFC Housing Opportunities Fund - IDCW Option - Direct Plan 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 - IDCW 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 - IDCW Option - Direct Plan has delivered a absolute return of -3.36% — -5.47 pp behind the Sectoral/Thematic Fund category average of 2.11%. The fund ranks #164 of 225 in its category — the third (Q3) quartile.

Over the trailing 3-year window, HDFC Housing Opportunities Fund - IDCW Option - Direct Plan has delivered a CAGR of 9.71% — -2.59 pp behind the Sectoral/Thematic Fund category average of 12.30%. The fund ranks #97 of 142 in its category — the third (Q3) quartile.

Over the trailing 5-year window, HDFC Housing Opportunities Fund - IDCW Option - Direct Plan has delivered a CAGR of 7.07% — -1.85 pp behind the Sectoral/Thematic Fund category average of 8.93%. The fund ranks #79 of 111 in its category — the third (Q3) quartile.

₹1 lakh invested in HDFC Housing Opportunities Fund - IDCW Option - Direct Plan exactly 5 years ago would be worth approximately ₹140,737 today — a multiplier of 1.41×, based on the 5-year CAGR of 7.07%. The category average over the same window would have grown ₹1 lakh to ₹153,347.

A ₹10,000 monthly SIP in HDFC Housing Opportunities Fund - IDCW Option - Direct Plan over the last 5 years — total invested ₹600,000 — would be worth ₹673,657 today. That's an XIRR (money-weighted annualised return) of 4.57%.

HDFC Housing Opportunities Fund - IDCW 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 ₹1,130,498 — XIRR 8.34%.

On a 5-year basis, HDFC Housing Opportunities Fund - IDCW Option - Direct Plan ranks #79 out of 111 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 8.93%; this fund delivered 7.07%.

The worst peak-to-trough decline HDFC Housing Opportunities Fund - IDCW Option - Direct Plan has experienced over the last 5-year window is 27.22% — its NAV fell from a high on 27 Sep 2024 to a low on 13 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 - IDCW Option - Direct Plan averaged 12.58% (best 19.73%, worst 4.06%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is 0.12 — weak risk-adjusted performance.

In calendar year 2025, HDFC Housing Opportunities Fund - IDCW Option - Direct Plan returned -6.58% — lagging the Sectoral/Thematic Fund category average of 1.49% by 8.07 pp. It ranked #177 of 204 in its category that year.

HDFC Housing Opportunities Fund - IDCW 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 - IDCW 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: 27.2%. 5-year CAGR: 7.07%.

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