Should I invest in HDFC Hybrid Debt Fund?

We don't give personal investment advice. HDFC Hybrid Debt Fund - IDCW Monthly - 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: 9.4%. 5-year CAGR: 1.27%.

HDFC

HDFC Hybrid Debt Fund - IDCW Monthly - Direct Plan

Latest NAV

₹15.2730

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

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	+0.14%	+0.08%	+0.07	11 / 38	Q2
1W	-0.05%	-0.01%	-0.04	22 / 38	Q3
2W	-0.11%	+0.09%	-0.20	33 / 38	Q4
1M	+0.43%	+0.32%	+0.11	19 / 38	Q2
3M	-0.49%	+0.69%	-1.18	37 / 38	Q4
6M	-2.33%	-0.19%	-2.14	35 / 38	Q4
YTD	-2.88%	-0.75%	-2.13	33 / 38	Q4
1Y	-4.99%	-1.32%	-3.66	36 / 38	Q4
2Y	-3.19%	+0.31%	-3.50	37 / 38	Q4
3Y	+0.95%	+2.57%	-1.61	25 / 38	Q3
4Y	+2.25%	+3.17%	-0.92	19 / 38	Q2
5Y	+1.27%	+2.64%	-1.37	19 / 36	Q3
7Y	+1.62%	+2.98%	-1.36	22 / 34	Q3
10Y	+0.52%	+2.17%	-1.65	24 / 32	Q3
Inception	+1.02%	+2.83%	-1.81	28 / 35	Q4

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	-2.88%	-0.87%	-2.01	31 / 35
2025	-1.65%	+0.75%	-2.40	31 / 37
2024	+3.75%	+4.66%	-0.91	18 / 37
2023	+7.11%	+5.35%	+1.76	11 / 37
2022	-0.44%	-0.93%	+0.48	15 / 35
2021	+6.22%	+6.09%	+0.13	15 / 34
2020	+1.68%	+4.76%	-3.09	28 / 35
2019	-3.11%	+0.47%	-3.58	28 / 35
2018	-8.01%	-3.59%	-4.42	32 / 35
2017	+1.24%	+4.34%	-3.10	26 / 35
2016	+3.21%	+3.67%	-0.46	16 / 33

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

+1.87%

153 windows

min -12.9% · max 19.5%

51% positive

3-Year rolling

+1.36%

129 windows

min -7.5% · max 6.9%

69% positive

5-Year rolling

+0.90%

105 windows

min -4.1% · max 6.5%

58% positive

7-Year rolling

+0.63%

80 windows

min -1.8% · max 2.4%

75% 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

4.06%

3-year · annualised

Sharpe ratio

-1.34

vs risk-free 6.5%

Sortino ratio

-2.02

Downside-only deviation

Max drawdown

-9.43%

Sep 2024 → Mar 2026

% positive months

55.6%

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
HDFC Hybrid Debt Fund - IDCW Quarterly - Direct Plan	HDFC	₹16.0707	17 Jul 2026
NIPPON INDIA CONSERVATIVE HYBRID FUND - SEGREGATED PORTFOLIO 2 - DIRECT Plan - MONTHLY IDCW Option	Nippon India	₹0.0000	17 Jul 2026
SBI Conservative Hybrid Fund - Direct Plan - Quarterly Income Distribution cum Capital Withdrawal Option (IDCW)	SBI	₹25.6685	17 Jul 2026
ICICI Prudential Regular Savings Fund - Direct Plan - Half Yearly IDCW	ICICI Prudential	₹16.9038	17 Jul 2026
BANDHAN Conservative Hybrid Fund-Direct Plan-IDCW	Bandhan	₹13.2876	17 Jul 2026
Aditya Birla Sun Life Regular Savings Fund - DIRECT - MONTHLY IDCW	Aditya Birla Sun Life	₹27.2234	17 Jul 2026
Franklin India Conservative Hybrid Fund - Plan A - Direct - Monthly - IDCW	Franklin India	₹14.4078	17 Jul 2026
Kotak Debt Hybrid - Monthly Payout of Income Distribution cum capital withdrawal option - Direct	Kotak	₹13.4782	17 Jul 2026
Parag Parikh Conservative Hybrid Fund - Direct Plan - Monthly IDCW	Parag Parikh	₹11.0406	17 Jul 2026
DSP Regular Savings Fund - Direct Plan - IDCW - Monthly	DSP	₹14.2269	17 Jul 2026

Recent NAVs

Date	NAV
17 Jul 2026	₹15.2730
16 Jul 2026	₹15.2510
15 Jul 2026	₹15.2403
14 Jul 2026	₹15.2274
13 Jul 2026	₹15.2872
10 Jul 2026	₹15.2808
9 Jul 2026	₹15.2267
8 Jul 2026	₹15.2085
7 Jul 2026	₹15.3061
6 Jul 2026	₹15.3133

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 - IDCW Monthly - Direct Plan is ₹15.2730. It's a Conservative Hybrid Fund from HDFC, run as a Direct plan IDCW (dividend) option. NAVs update once per business day from the AMFI feed.

HDFC Hybrid Debt Fund - IDCW Monthly - 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 - IDCW Monthly - 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 - IDCW Monthly - Direct Plan has delivered a absolute return of -4.99% — -3.66 pp behind the Conservative Hybrid Fund category average of -1.32%. The fund ranks #36 of 38 in its category — the bottom (Q4) quartile.

Over the trailing 3-year window, HDFC Hybrid Debt Fund - IDCW Monthly - Direct Plan has delivered a CAGR of 0.95% — -1.61 pp behind the Conservative Hybrid Fund category average of 2.57%. The fund ranks #25 of 38 in its category — the third (Q3) quartile.

Over the trailing 5-year window, HDFC Hybrid Debt Fund - IDCW Monthly - Direct Plan has delivered a CAGR of 1.27% — -1.37 pp behind the Conservative Hybrid Fund category average of 2.64%. The fund ranks #19 of 36 in its category — the third (Q3) quartile.

₹1 lakh invested in HDFC Hybrid Debt Fund - IDCW Monthly - Direct Plan exactly 10 years ago would be worth approximately ₹105,314 today — a multiplier of 1.05×, based on the 10-year CAGR of 0.52%. The category average over the same window would have grown ₹1 lakh to ₹123,989.

A ₹10,000 monthly SIP in HDFC Hybrid Debt Fund - IDCW Monthly - Direct Plan over the last 5 years — total invested ₹600,000 — would be worth ₹605,690 today. That's an XIRR (money-weighted annualised return) of 0.37%.

A ₹10,000 monthly SIP for 10 years in HDFC Hybrid Debt Fund - IDCW Monthly - Direct Plan = ₹1,200,000 invested. It would currently be worth ₹1,266,291 (multiplier 1.06×). XIRR: 1.06%. 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 - IDCW Monthly - Direct Plan ranks #19 out of 36 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 2.64%; this fund delivered 1.27%.

The worst peak-to-trough decline HDFC Hybrid Debt Fund - IDCW Monthly - Direct Plan has experienced over the last 5-year window is 9.43% — its NAV fell from a high on 25 Sep 2024 to a low on 30 Mar 2026. 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 - IDCW Monthly - Direct Plan averaged 0.90% (best 6.51%, worst -4.10%). 58% of rolling windows ended positive. The 5-year Sharpe ratio is -1.19 — negative risk-adjusted performance.

In calendar year 2025, HDFC Hybrid Debt Fund - IDCW Monthly - Direct Plan returned -1.65% — lagging the Conservative Hybrid Fund category average of 0.75% by 2.40 pp. It ranked #31 of 37 in its category that year.

HDFC Hybrid Debt Fund - IDCW Monthly - 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 - IDCW Monthly - 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: 9.4%. 5-year CAGR: 1.27%.

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