Should I invest in HDFC Income Fund?

We don't give personal investment advice. HDFC Income Fund - Growth Option 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: 3.3%. 5-year CAGR: 5.11%.

HDFC

HDFC Income Fund - Growth Option

Latest NAV

₹60.4938

As of

24 Jul 2026

4,918 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	+0.07%	-8.10%	+8.18	23 / 904	Q1
1W	-0.21%	-11.78%	+11.58	412 / 779	Q3
2W	-0.44%	-11.83%	+11.39	412 / 776	Q3
1M	+0.47%	-11.81%	+12.28	101 / 772	Q1
3M	+2.57%	-11.26%	+13.82	19 / 763	Q1
6M	+3.06%	-10.37%	+13.44	114 / 749	Q1
YTD	+2.72%	-10.44%	+13.16	103 / 747	Q1
1Y	+3.14%	-8.22%	+11.36	319 / 728	Q2
2Y	+5.83%	-5.25%	+11.08	237 / 660	Q2
3Y	+6.40%	-3.97%	+10.36	233 / 646	Q2
4Y	+6.51%	+3.36%	+3.15	32 / 136	Q1
5Y	+5.11%	+3.47%	+1.64	29 / 92	Q2
7Y	+5.45%	+3.36%	+2.08	25 / 76	Q2
10Y	+5.44%	+3.80%	+1.64	31 / 66	Q2
Inception	+6.72%	-1.10%	+7.83	354 / 904	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	+2.72%	+0.22%	+2.50	13 / 49
2025	+5.60%	+2.91%	+2.69	24 / 61
2024	+9.11%	+5.21%	+3.90	7 / 62
2023	+5.93%	+3.66%	+2.27	33 / 69
2022	+0.90%	-8.21%	+9.11	130 / 224
2021	+2.12%	-6.85%	+8.97	177 / 355
2020	+9.01%	+3.44%	+5.58	148 / 433
2019	+8.82%	+4.28%	+4.54	172 / 449
2018	+3.50%	+0.48%	+3.02	108 / 205
2017	+0.30%	+1.61%	-1.31	145 / 223
2016	+14.37%	+3.44%	+10.93	3 / 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

+6.90%

236 windows

min -1.8% · max 18.0%

95% positive

3-Year rolling

+6.93%

211 windows

min 2.8% · max 12.8%

100% positive

5-Year rolling

+6.84%

187 windows

min 3.8% · max 10.2%

100% positive

7-Year rolling

+6.96%

163 windows

min 4.1% · max 9.1%

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

2.70%

3-year · annualised

Sharpe ratio

-0.11

vs risk-free 6.5%

Sortino ratio

-0.25

Downside-only deviation

Max drawdown

-2.20%

Mar 2026 → Apr 2026

% positive months

80.6%

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 Medium to Long Duration Fund

Scheme	Fund house	NAV	As of
HDFC Charity Fund for Cancer Cure - IDCW Option - 50% IDCW Donation Option	HDFC	₹10.1274	24 Jul 2026
NIPPON INDIA FIXED MATURITY PLAN - XLI - SERIES 8 - IDCW Option	Nippon India	₹17.3421	24 Jul 2026
SBI Medium to Long Duration Fund - Regular Plan - Half Yearly - Income Distribution cum Capital Withdrawal Option (IDCW)	SBI	₹19.2650	24 Jul 2026
ICICI Prudential Bond Fund - Half Yearly IDCW	ICICI Prudential	₹11.3242	24 Jul 2026
Franklin India Medium to Long Duration Fund - IDCW	Franklin India	₹10.5957	24 Jul 2026
CANARA ROBECO INCOME FUND - REGULAR PLAN - GROWTH OPTION	Canara Robeco	₹56.8943	24 Jul 2026
UTI Annual Interval Fund - I - ( Instn Growth Option )	UTI	₹37.7361	24 Jul 2026
Aditya Birla Sun Life Income Fund - Growth - Regular Plan	Birla Sun Life	₹129.7040	24 Jul 2026
Bandhan Medium to Long Duration Fund - Regular Plan - Annual IDCW	IDFC	₹11.9309	24 Jul 2026
JM Medium to Long Duration Fund (Regular) - Bonus Option- Principal Units	JM Financial	₹26.3635	24 Jul 2026

Recent NAVs

Date	NAV
24 Jul 2026	₹60.4938
23 Jul 2026	₹60.4498
22 Jul 2026	₹60.5269
21 Jul 2026	₹60.5730
20 Jul 2026	₹60.5677
17 Jul 2026	₹60.6193
16 Jul 2026	₹60.6793
15 Jul 2026	₹60.6147
14 Jul 2026	₹60.5470
13 Jul 2026	₹60.7325

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 24 Jul 2026, the NAV of HDFC Income Fund - Growth Option is ₹60.4938. 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 - Growth Option has NAV history starting from 03 Apr 2006, a track record of about 20 years 3 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 - Growth Option 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 - Growth Option has delivered a absolute return of 3.14% — +11.36 pp ahead of the Medium to Long Duration Fund category average of -8.22%. The fund ranks #319 of 728 in its category — the second (Q2) quartile.

Over the trailing 3-year window, HDFC Income Fund - Growth Option has delivered a CAGR of 6.40% — +10.36 pp ahead of the Medium to Long Duration Fund category average of -3.97%. The fund ranks #233 of 646 in its category — the second (Q2) quartile.

Over the trailing 5-year window, HDFC Income Fund - Growth Option has delivered a CAGR of 5.11% — +1.64 pp ahead of the Medium to Long Duration Fund category average of 3.47%. The fund ranks #29 of 92 in its category — the second (Q2) quartile.

₹1 lakh invested in HDFC Income Fund - Growth Option exactly 10 years ago would be worth approximately ₹169,821 today — a multiplier of 1.70×, based on the 10-year CAGR of 5.44%. The category average over the same window would have grown ₹1 lakh to ₹145,151.

A ₹10,000 monthly SIP in HDFC Income Fund - Growth Option over the last 5 years — total invested ₹600,000 — would be worth ₹696,429 today. That's an XIRR (money-weighted annualised return) of 5.90%.

A ₹10,000 monthly SIP for 10 years in HDFC Income Fund - Growth Option = ₹1,200,000 invested. It would currently be worth ₹1,590,245 (multiplier 1.33×). XIRR: 5.49%. 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 - Growth Option ranks #29 out of 92 funds in the Medium to Long Duration Fund category — that places it in the second quartile (Q2) — above the median. The category average return over the same window is 3.47%; this fund delivered 5.11%.

The worst peak-to-trough decline HDFC Income Fund - Growth Option has experienced over the last 5-year window is 3.35% — its NAV fell from a high on 14 Dec 2021 to a low on 17 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 Income Fund - Growth Option averaged 6.84% (best 10.19%, worst 3.78%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is -0.58 — negative risk-adjusted performance.

In calendar year 2025, HDFC Income Fund - Growth Option returned 5.60% — beating the Medium to Long Duration Fund category average of 2.91% by 2.69 pp. It ranked #24 of 61 in its category that year.

HDFC Income Fund - Growth Option 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 - Growth Option 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: 3.3%. 5-year CAGR: 5.11%.

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

HDFC Income Fund - Growth Option

NAV history & peer comparison

Returns matrix

Calendar-year returns

Rolling returns

SIP returns — historical "what if"

Risk profile

Peers in Medium to Long Duration Fund

Recent NAVs

Frequently asked questions

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