Should I invest in HDFC Income Fund?

We don't give personal investment advice. HDFC Income Fund-Dividend is suitable for an investor whose:time horizon matches the fund's modified duration — short-duration funds for 1-3 year goals, long-duration for 7+ yearsprimary goal is capital preservation or steady accrual, not high growthtax slab is moderate — high-slab investors should evaluate post-tax yield against tax-free alternatives (PPF, tax-free bonds)Cross-check the numbers above against alternatives before deciding. Worst 5-year drawdown: 5.4%. 5-year CAGR: 0.10%.

HDFC

HDFC Income Fund-Dividend

Latest NAV

₹11.3686

As of

3 Jun 2026

4,882 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	+0.06%	-8.05%	+8.11	34 / 904	Q1
1W	+0.20%	-11.71%	+11.91	39 / 779	Q1
2W	+0.61%	-11.75%	+12.36	13 / 776	Q1
1M	+0.22%	-11.75%	+11.97	341 / 772	Q2
3M	-0.79%	-11.29%	+10.49	416 / 763	Q3
6M	-0.39%	-10.39%	+10.01	386 / 749	Q3
YTD	-0.21%	-10.45%	+10.23	393 / 747	Q3
1Y	-3.54%	-8.25%	+4.70	437 / 728	Q3
2Y	+0.44%	-5.23%	+5.67	318 / 660	Q2
3Y	+0.60%	-3.98%	+4.58	304 / 644	Q2
4Y	+1.17%	+3.39%	-2.22	83 / 134	Q3
5Y	+0.10%	+3.38%	-3.27	68 / 92	Q3
7Y	+0.36%	+3.38%	-3.01	53 / 76	Q3
10Y	+0.11%	+3.82%	-3.70	55 / 66	Q4
Inception	+0.60%	-1.09%	+1.69	509 / 904	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	-0.21%	+0.07%	-0.29	38 / 49
2025	+0.67%	+2.91%	-2.24	44 / 61
2024	+2.74%	+5.21%	-2.47	41 / 62
2023	+1.22%	+3.66%	-2.43	55 / 69
2022	-2.71%	-8.21%	+5.50	178 / 224
2021	-1.45%	-6.85%	+5.41	253 / 355
2020	+1.94%	+3.44%	-1.50	298 / 433
2019	+2.86%	+4.28%	-1.42	294 / 449
2018	-0.39%	+0.48%	-0.88	158 / 205
2017	-5.13%	+1.61%	-6.74	185 / 223
2016	+3.84%	+3.44%	+0.40	133 / 223

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

+0.69%

234 windows

min -7.2% · max 8.4%

62% positive

3-Year rolling

+0.53%

210 windows

min -2.5% · max 3.8%

60% positive

5-Year rolling

+0.39%

185 windows

min -2.0% · max 2.7%

70% positive

7-Year rolling

+0.34%

161 windows

min -1.1% · max 2.1%

65% 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

3.91%

3-year · annualised

Sharpe ratio

-1.49

vs risk-free 6.5%

Sortino ratio

-1.91

Downside-only deviation

Max drawdown

-5.42%

May 2025 → Apr 2026

% 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 Medium to Long Duration Fund

Scheme	Fund house	NAV	As of
HDFC Charity Fund for Cancer Cure - IDCW Option - 50% IDCW Donation Option	HDFC	₹10.0419	3 Jun 2026
NIPPON INDIA FIXED MATURITY PLAN - XLI - SERIES 8 - IDCW Option	Nippon India	₹17.0046	3 Jun 2026
SBI Magnum Income Fund-Bonus	SBI	₹43.7200	3 Jun 2026
ICICI Prudential Bond Fund - Half Yearly IDCW	ICICI Prudential	₹11.0548	3 Jun 2026
Franklin India Medium to Long Duration Fund - IDCW	Franklin India	₹10.4210	3 Jun 2026
Canara Robeco Income-Growth Plan	Canara Robeco	₹55.9906	3 Jun 2026
UTI Bond Fund-Growth (for rep. After 6 months- No Load)	UTI	₹74.6017	3 Jun 2026
Birla Sun Life Income Plus (Dividend)	Birla Sun Life	₹12.9049	3 Jun 2026
IDFC - SSIF - Investment Plan - Annual Dividend	IDFC	₹11.6743	3 Jun 2026
JM Income Fund-Dividend	JM Financial	₹21.5269	3 Jun 2026

Recent NAVs

Date	NAV
3 Jun 2026	₹11.3686
2 Jun 2026	₹11.3776
1 Jun 2026	₹11.3708
29 May 2026	₹11.3704
27 May 2026	₹11.3614
26 May 2026	₹11.3549
25 May 2026	₹11.3567
22 May 2026	₹11.3208
21 May 2026	₹11.3100
20 May 2026	₹11.3213

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 Income Fund-Dividend is ₹11.3686. It's a Medium to Long Duration Fund from HDFC, run as a Unknown plan IDCW (dividend) option. NAVs update once per business day from the AMFI feed.

HDFC Income Fund-Dividend has NAV history starting from 03 Apr 2006, a track record of about 20 years 2 months. Long-tenured funds like this have weathered multiple market cycles — the 2008 crash, 2013 taper tantrum, 2020 COVID drawdown — which makes their returns more credible than a 3-year track record alone.

HDFC Income Fund-Dividend is managed by HDFC. It's classified by AMFI under the 'Medium to Long Duration Fund' SEBI category, which determines its peer set and tax treatment.

Over the trailing 1-year window, HDFC Income Fund-Dividend has delivered a absolute return of -3.54% — +4.7 pp ahead of the Medium to Long Duration Fund category average of -8.25%. The fund ranks #437 of 728 in its category — the third (Q3) quartile.

Over the trailing 3-year window, HDFC Income Fund-Dividend has delivered a CAGR of 0.60% — +4.58 pp ahead of the Medium to Long Duration Fund category average of -3.98%. The fund ranks #304 of 644 in its category — the second (Q2) quartile.

Over the trailing 5-year window, HDFC Income Fund-Dividend has delivered a CAGR of 0.10% — -3.27 pp behind the Medium to Long Duration Fund category average of 3.38%. The fund ranks #68 of 92 in its category — the third (Q3) quartile.

₹1 lakh invested in HDFC Income Fund-Dividend exactly 10 years ago would be worth approximately ₹101,114 today — a multiplier of 1.01×, based on the 10-year CAGR of 0.11%. The category average over the same window would have grown ₹1 lakh to ₹145,412.

A ₹10,000 monthly SIP in HDFC Income Fund-Dividend over the last 5 years — total invested ₹600,000 — would be worth ₹609,945 today. That's an XIRR (money-weighted annualised return) of 0.65%.

A ₹10,000 monthly SIP for 10 years in HDFC Income Fund-Dividend = ₹1,200,000 invested. It would currently be worth ₹1,222,552 (multiplier 1.02×). XIRR: 0.37%. Long-horizon SIP results matter more than point-to-point returns because they smooth out entry timing.

On a 5-year basis, HDFC Income Fund-Dividend ranks #68 out of 92 funds in the Medium to Long Duration Fund category — that places it in the third quartile (Q3) — below the median. The category average return over the same window is 3.38%; this fund delivered 0.10%.

The worst peak-to-trough decline HDFC Income Fund-Dividend has experienced over the last 5-year window is 5.42% — its NAV fell from a high on 28 May 2025 to a low on 02 Apr 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 Income Fund-Dividend averaged 0.39% (best 2.70%, worst -1.96%). 70% of rolling windows ended positive. The 5-year Sharpe ratio is -1.69 — negative risk-adjusted performance.

In calendar year 2025, HDFC Income Fund-Dividend returned 0.67% — lagging the Medium to Long Duration Fund category average of 2.91% by 2.24 pp. It ranked #44 of 61 in its category that year.

HDFC Income Fund-Dividend is classified as a Debt fund. For units acquired on or after 1 April 2023, all gains are taxed at your income-tax slab rate regardless of holding period — there's no LTCG concession or indexation. For pre-April-2023 units, the old rules with indexation still apply on long-term gains.

We don't give personal investment advice. HDFC Income Fund-Dividend is suitable for an investor whose:

time horizon matches the fund's modified duration — short-duration funds for 1-3 year goals, long-duration for 7+ years
primary goal is capital preservation or steady accrual, not high growth
tax slab is moderate — high-slab investors should evaluate post-tax yield against tax-free alternatives (PPF, tax-free bonds)

Cross-check the numbers above against alternatives before deciding. Worst 5-year drawdown: 5.4%. 5-year CAGR: 0.10%.

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