Should I invest in HDFC Large and Mid Cap Fund?

We don't give personal investment advice. HDFC Large and Mid Cap Fund - IDCW Option 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: 9.77%.

HDFC

HDFC Large and Mid Cap Fund - IDCW Option

Latest NAV

₹35.6950

As of

17 Jul 2026

2,963 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	+0.24%	-0.04%	+0.28	1 / 3	Q2
1W	-0.18%	+0.11%	-0.29	3 / 3	Q4
2W	+0.10%	-0.21%	+0.31	1 / 3	Q2
1M	+2.31%	+1.38%	+0.93	1 / 3	Q2
3M	+3.67%	+3.67%	+0.00	1 / 1	Q4
6M	-5.96%	-5.96%	+0.00	1 / 1	Q4
YTD	-7.42%	-7.42%	+0.00	1 / 1	Q4
1Y	-6.14%	-6.14%	+0.00	1 / 1	Q4
2Y	-5.58%	-5.58%	+0.00	1 / 1	Q4
3Y	+7.49%	+7.49%	+0.00	1 / 1	Q4
4Y	+10.31%	+10.31%	+0.00	1 / 1	Q4
5Y	+9.77%	+9.77%	+0.00	1 / 1	Q4
7Y	+9.73%	+9.73%	+0.00	1 / 1	Q4
10Y	+5.41%	+5.41%	+0.00	1 / 1	Q4
Inception	+3.63%	+2.30%	+1.33	1 / 3	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	-7.42%	-7.42%	+0.00	1 / 1
2025	-2.12%	-2.12%	+0.00	1 / 1
2024	+12.48%	+12.48%	+0.00	1 / 1
2023	+29.35%	+29.35%	+0.00	1 / 1
2022	+8.17%	+8.17%	+0.00	1 / 1
2021	+28.88%	+28.88%	+0.00	1 / 1
2020	-2.75%	-2.75%	+0.00	1 / 1
2019	-5.90%	-5.90%	+0.00	1 / 1
2018	-12.55%	-12.55%	+0.00	1 / 1
2017	+15.17%	+15.17%	+0.00	1 / 1
2016	-5.91%	-5.91%	+0.00	1 / 1

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

+6.01%

135 windows

min -36.9% · max 60.4%

53% positive

3-Year rolling

+6.41%

111 windows

min -17.1% · max 28.7%

60% positive

5-Year rolling

+5.71%

87 windows

min -12.2% · max 25.0%

77% positive

7-Year rolling

+5.50%

62 windows

min -0.5% · max 10.2%

92% 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

17.49%

3-year · annualised

Sharpe ratio

0.13

vs risk-free 6.5%

Sortino ratio

0.18

Downside-only deviation

Max drawdown

-27.16%

Sep 2024 → Mar 2026

% positive months

66.7%

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 Large & Mid Cap Fund

Scheme	Fund house	NAV	As of
HDFC Large and Mid Cap Fund - IDCW Option - Direct Plan	HDFC	₹47.7870	17 Jul 2026
NIPPON INDIA VISION LARGE & MID CAP FUND - DIRECT Plan - IDCW Option	Nippon India	₹70.7641	17 Jul 2026
SBI Large & Midcap Fund - Direct Plan - Income Distribution cum Capital Withdrawal Option (IDCW)	SBI	₹373.6439	17 Jul 2026
ICICI Prudential Large & Mid Cap Fund - Direct Plan - IDCW	ICICI Prudential	₹54.4600	17 Jul 2026
Invesco India Large & Mid Cap Fund - Direct Plan - IDCW (Payout / Reinvestment)	Invesco	₹55.8900	17 Jul 2026
Bandhan Large & Mid Cap Fund - Direct Plan - IDCW	Bandhan	₹36.7850	17 Jul 2026
quant Large & Mid Cap Fund - IDCW Option - Direct Plan	Quant	₹64.5206	17 Jul 2026
Aditya Birla Sun Life Large & Mid Cap Fund -Direct - IDCW	Aditya Birla Sun Life	₹210.4900	17 Jul 2026
Motilal Oswal Large and Midcap Fund Direct - IDCW Payout/Reinvestment	Motilal Oswal	₹27.8134	17 Jul 2026
Franklin India Large & Mid cap Fund - Direct - IDCW	Franklin India	₹22.8896	17 Jul 2026

Recent NAVs

Date	NAV
17 Jul 2026	₹35.6950
16 Jul 2026	₹35.6080
15 Jul 2026	₹35.6550
14 Jul 2026	₹35.5340
13 Jul 2026	₹35.7670
10 Jul 2026	₹35.7590
9 Jul 2026	₹35.3230
8 Jul 2026	₹34.9890
7 Jul 2026	₹35.7740
6 Jul 2026	₹35.8210

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 Large and Mid Cap Fund - IDCW Option is ₹35.6950. It's a Large & Mid Cap Fund from HDFC, run as a Unknown plan IDCW (dividend) option. NAVs update once per business day from the AMFI feed.

HDFC Large and Mid Cap Fund - IDCW Option has NAV history starting from 30 Jun 2014, a track record of about 12 years. 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 Large and Mid Cap Fund - IDCW Option is managed by HDFC. It's classified by AMFI under the 'Large & Mid Cap Fund' SEBI category, which determines its peer set and tax treatment.

Over the trailing 1-year window, HDFC Large and Mid Cap Fund - IDCW Option has delivered a absolute return of -6.14% — +0 pp ahead of the Large & Mid Cap Fund category average of -6.14%. The fund ranks #1 of 1 in its category — the bottom (Q4) quartile.

Over the trailing 3-year window, HDFC Large and Mid Cap Fund - IDCW Option has delivered a CAGR of 7.49% — +0 pp ahead of the Large & Mid Cap Fund category average of 7.49%. The fund ranks #1 of 1 in its category — the bottom (Q4) quartile.

Over the trailing 5-year window, HDFC Large and Mid Cap Fund - IDCW Option has delivered a CAGR of 9.77% — +0 pp ahead of the Large & Mid Cap Fund category average of 9.77%. The fund ranks #1 of 1 in its category — the bottom (Q4) quartile.

₹1 lakh invested in HDFC Large and Mid Cap Fund - IDCW Option exactly 10 years ago would be worth approximately ₹169,355 today — a multiplier of 1.69×, based on the 10-year CAGR of 5.41%. The category average over the same window would have grown ₹1 lakh to ₹169,355.

A ₹10,000 monthly SIP in HDFC Large and Mid Cap Fund - IDCW Option over the last 5 years — total invested ₹600,000 — would be worth ₹702,732 today. That's an XIRR (money-weighted annualised return) of 6.26%.

A ₹10,000 monthly SIP for 10 years in HDFC Large and Mid Cap Fund - IDCW Option = ₹1,200,000 invested. It would currently be worth ₹1,814,634 (multiplier 1.51×). XIRR: 8.02%. Long-horizon SIP results matter more than point-to-point returns because they smooth out entry timing.

On a 5-year basis, HDFC Large and Mid Cap Fund - IDCW Option ranks #1 out of 1 funds in the Large & Mid Cap Fund category — that places it in the bottom quartile (Q4) — material underperformance. The category average return over the same window is 9.77%; this fund delivered 9.77%.

The worst peak-to-trough decline HDFC Large and Mid Cap Fund - IDCW Option has experienced over the last 5-year window is 27.16% — its NAV fell from a high on 27 Sep 2024 to a low on 31 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 Large and Mid Cap Fund - IDCW Option averaged 5.71% (best 24.97%, worst -12.19%). 77% of rolling windows ended positive. The 5-year Sharpe ratio is 0.25 — weak risk-adjusted performance.

In calendar year 2025, HDFC Large and Mid Cap Fund - IDCW Option returned -2.12% — beating the Large & Mid Cap Fund category average of -2.12% by 0.00 pp. It ranked #1 of 1 in its category that year.

HDFC Large and Mid Cap Fund - IDCW Option 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 Large and Mid Cap Fund - IDCW Option 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: 9.77%.

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