Should I invest in HDFC Hybrid Debt Fund?

We don't give personal investment advice. HDFC Hybrid Debt Fund - Growth Option - Direct Plan is suitable for an investor whose:horizon is 3-5 years — too short for pure equity, too long for pure debtwants a single fund that automatically rebalances between equity and debtis comfortable trading some upside for lower volatility vs a pure equity fundCross-check the numbers above against alternatives before deciding. Worst 5-year drawdown: 4.1%. 5-year CAGR: 8.57%.

HDFC

HDFC Hybrid Debt Fund - Growth Option - Direct Plan

Latest NAV

₹90.0707

As of

17 Jul 2026

3,270 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	+0.14%	+0.11%	+0.03	6 / 17	Q2
1W	-0.05%	+0.01%	-0.06	11 / 17	Q3
2W	-0.11%	+0.07%	-0.18	16 / 17	Q4
1M	+1.09%	+0.99%	+0.10	6 / 17	Q2
3M	+1.50%	+1.92%	-0.42	14 / 17	Q4
6M	+1.57%	+2.27%	-0.70	12 / 17	Q3
YTD	+1.00%	+1.77%	-0.77	11 / 17	Q3
1Y	+2.63%	+3.80%	-1.17	13 / 17	Q4
2Y	+4.44%	+5.86%	-1.42	16 / 17	Q4
3Y	+8.42%	+8.60%	-0.18	11 / 17	Q3
4Y	+9.70%	+9.12%	+0.58	6 / 17	Q2
5Y	+8.57%	+8.25%	+0.32	9 / 16	Q3
7Y	+9.39%	+8.75%	+0.64	5 / 15	Q2
10Y	+8.82%	+8.24%	+0.58	6 / 15	Q2
Inception	+9.46%	+9.10%	+0.36	6 / 16	Q2

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	+1.00%	+1.77%	-0.77	11 / 17
2025	+6.07%	+6.91%	-0.84	14 / 17
2024	+10.98%	+11.24%	-0.26	12 / 17
2023	+14.35%	+11.79%	+2.57	2 / 17
2022	+6.49%	+4.39%	+2.10	2 / 16
2021	+13.68%	+11.56%	+2.12	5 / 15
2020	+10.44%	+10.27%	+0.18	10 / 15
2019	+6.95%	+7.64%	-0.69	10 / 15
2018	+1.19%	+2.08%	-0.89	10 / 15
2017	+10.64%	+10.89%	-0.25	7 / 15
2016	+13.29%	+10.70%	+2.59	4 / 15

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

+10.42%

153 windows

min -3.8% · max 29.8%

93% positive

3-Year rolling

+9.96%

129 windows

min 1.7% · max 16.6%

100% positive

5-Year rolling

+9.55%

105 windows

min 5.4% · max 14.0%

100% positive

7-Year rolling

+9.35%

80 windows

min 7.5% · max 10.8%

100% 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

4.01%

3-year · annualised

Sharpe ratio

0.43

vs risk-free 6.5%

Sortino ratio

1.03

Downside-only deviation

Max drawdown

-3.64%

Feb 2026 → Mar 2026

% 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 Conservative Hybrid Fund

Scheme	Fund house	NAV	As of
Nippon India Conservative Hybrid Fund - Direct Plan Growth Plan - Growth Option	Nippon India	₹68.7236	17 Jul 2026
SBI Conservative Hybrid Fund - Direct Plan - Growth	SBI	₹84.0111	17 Jul 2026
ICICI Prudential Regular Savings Fund - Direct Plan - Growth	ICICI Prudential	₹87.8731	17 Jul 2026
BANDHAN Conservative Hybrid Fund-Direct Plan-Growth	Bandhan	₹37.1622	17 Jul 2026
Aditya Birla Sun Life Regular Savings Fund - Growth / Payment - Direct Plan	Aditya Birla Sun Life	₹79.1779	17 Jul 2026
Franklin India Conservative Hybrid Fund - Direct - GROWTH	Franklin India	₹102.3696	17 Jul 2026
Kotak Debt Hybrid - Growth - Direct	Kotak	₹69.9432	17 Jul 2026
Parag Parikh Conservative Hybrid Fund - Direct Plan - Growth	Parag Parikh	₹16.1304	17 Jul 2026
DSP Regular Savings Fund - Direct Plan - Growth	DSP	₹69.2221	17 Jul 2026
HSBC Conservative Hybrid Fund - Direct Growth	HSBC	₹72.1056	17 Jul 2026

Recent NAVs

Date	NAV
17 Jul 2026	₹90.0707
16 Jul 2026	₹89.9412
15 Jul 2026	₹89.8783
14 Jul 2026	₹89.8023
13 Jul 2026	₹90.1549
10 Jul 2026	₹90.1168
9 Jul 2026	₹89.7982
8 Jul 2026	₹89.6907
7 Jul 2026	₹90.2664
6 Jul 2026	₹90.3090

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 Hybrid Debt Fund - Growth Option - Direct Plan is ₹90.0707. It's a Conservative Hybrid Fund from HDFC, run as a Direct plan Growth option. NAVs update once per business day from the AMFI feed.

HDFC Hybrid Debt Fund - Growth Option - Direct Plan has NAV history starting from 01 Jan 2013, a track record of about 13 years 6 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 Hybrid Debt Fund - Growth Option - Direct Plan is managed by HDFC. It's classified by AMFI under the 'Conservative Hybrid Fund' SEBI category, which determines its peer set and tax treatment.

Over the trailing 1-year window, HDFC Hybrid Debt Fund - Growth Option - Direct Plan has delivered a absolute return of 2.63% — -1.17 pp behind the Conservative Hybrid Fund category average of 3.80%. The fund ranks #13 of 17 in its category — the bottom (Q4) quartile.

Over the trailing 3-year window, HDFC Hybrid Debt Fund - Growth Option - Direct Plan has delivered a CAGR of 8.42% — -0.18 pp behind the Conservative Hybrid Fund category average of 8.60%. The fund ranks #11 of 17 in its category — the third (Q3) quartile.

Over the trailing 5-year window, HDFC Hybrid Debt Fund - Growth Option - Direct Plan has delivered a CAGR of 8.57% — +0.32 pp ahead of the Conservative Hybrid Fund category average of 8.25%. The fund ranks #9 of 16 in its category — the third (Q3) quartile.

₹1 lakh invested in HDFC Hybrid Debt Fund - Growth Option - Direct Plan exactly 10 years ago would be worth approximately ₹232,792 today — a multiplier of 2.33×, based on the 10-year CAGR of 8.82%. The category average over the same window would have grown ₹1 lakh to ₹220,638.

A ₹10,000 monthly SIP in HDFC Hybrid Debt Fund - Growth Option - Direct Plan over the last 5 years — total invested ₹600,000 — would be worth ₹733,308 today. That's an XIRR (money-weighted annualised return) of 7.96%.

A ₹10,000 monthly SIP for 10 years in HDFC Hybrid Debt Fund - Growth Option - Direct Plan = ₹1,200,000 invested. It would currently be worth ₹1,901,650 (multiplier 1.58×). XIRR: 8.91%. Long-horizon SIP results matter more than point-to-point returns because they smooth out entry timing.

On a 5-year basis, HDFC Hybrid Debt Fund - Growth Option - Direct Plan ranks #9 out of 16 funds in the Conservative Hybrid Fund category — that places it in the third quartile (Q3) — below the median. The category average return over the same window is 8.25%; this fund delivered 8.57%.

The worst peak-to-trough decline HDFC Hybrid Debt Fund - Growth Option - Direct Plan has experienced over the last 5-year window is 4.08% — its NAV fell from a high on 07 Apr 2022 to a low on 20 Jun 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 Hybrid Debt Fund - Growth Option - Direct Plan averaged 9.55% (best 13.97%, worst 5.43%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is 0.44 — weak risk-adjusted performance.

In calendar year 2025, HDFC Hybrid Debt Fund - Growth Option - Direct Plan returned 6.07% — lagging the Conservative Hybrid Fund category average of 6.91% by 0.84 pp. It ranked #14 of 17 in its category that year.

HDFC Hybrid Debt Fund - Growth Option - Direct Plan is a Hybrid scheme. Tax treatment follows its actual equity allocation as disclosed by the AMC: at least 65% equity behaves like an equity fund (12.5% LTCG over 12 months, 20% STCG); 35-65% equity often gets an equity-style treatment with a 24-month threshold; under 35% equity is taxed at slab rate like a debt fund. Check the AMC's latest factsheet for the current classification.

We don't give personal investment advice. HDFC Hybrid Debt Fund - Growth Option - Direct Plan is suitable for an investor whose:

horizon is 3-5 years — too short for pure equity, too long for pure debt
wants a single fund that automatically rebalances between equity and debt
is comfortable trading some upside for lower volatility vs a pure equity fund

Cross-check the numbers above against alternatives before deciding. Worst 5-year drawdown: 4.1%. 5-year CAGR: 8.57%.

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

HDFC Hybrid Debt Fund - Growth Option - Direct Plan

NAV history & peer comparison

Returns matrix

Calendar-year returns

Rolling returns

SIP returns — historical "what if"

Risk profile

Peers in Conservative Hybrid Fund

Recent NAVs

Frequently asked questions

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