Should I invest in HDFC Large Cap Fund?

We don't give personal investment advice. HDFC Large Cap Fund - IDCW Option - Regular Plan 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: 31.3%. 5-year CAGR: 1.38%.

HDFC

HDFC Large Cap Fund - IDCW Option - Regular Plan

Latest NAV

₹51.1830

As of

24 Jul 2026

4,999 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	-0.40%	-0.35%	-0.06	27 / 35	Q4
1W	-1.88%	-1.80%	-0.08	17 / 35	Q2
2W	-1.70%	-1.49%	-0.21	21 / 35	Q3
1M	+0.14%	-0.37%	+0.51	3 / 35	Q1
3M	+2.07%	+1.15%	+0.92	6 / 35	Q1
6M	-10.90%	-2.82%	-8.08	34 / 35	Q4
YTD	-14.34%	-6.84%	-7.50	34 / 35	Q4
1Y	-11.50%	-4.27%	-7.23	34 / 35	Q4
2Y	-9.98%	-2.12%	-7.86	35 / 35	Q4
3Y	-0.37%	+7.28%	-7.65	35 / 35	Q4
4Y	+2.41%	+9.46%	-7.05	32 / 34	Q4
5Y	+1.38%	+7.88%	-6.50	33 / 34	Q4
7Y	+1.12%	+10.08%	-8.96	34 / 34	Q4
10Y	+0.52%	+8.36%	-7.84	33 / 34	Q4
Inception	+1.63%	+8.33%	-6.70	33 / 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	-14.34%	-7.22%	-7.12	33 / 34
2025	-2.87%	+5.20%	-8.07	32 / 34
2024	+1.73%	+12.60%	-10.86	34 / 34
2023	+16.41%	+21.38%	-4.97	30 / 34
2022	-1.04%	+0.25%	-1.30	21 / 34
2021	+15.22%	+23.62%	-8.40	33 / 34
2020	-8.46%	+11.04%	-19.50	33 / 34
2019	-5.71%	+7.65%	-13.36	34 / 35
2018	-10.49%	-3.82%	-6.67	30 / 35
2017	+19.84%	+24.19%	-4.36	28 / 35
2016	-0.84%	+0.01%	-0.85	21 / 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

+4.26%

236 windows

min -52.4% · max 95.2%

51% positive

3-Year rolling

+2.84%

211 windows

min -16.9% · max 25.1%

70% positive

5-Year rolling

+2.14%

187 windows

min -10.7% · max 14.2%

66% positive

7-Year rolling

+1.63%

163 windows

min -4.1% · max 10.3%

80% 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

13.37%

3-year · annualised

Sharpe ratio

-0.44

vs risk-free 6.5%

Sortino ratio

-0.56

Downside-only deviation

Max drawdown

-31.35%

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 Cap Fund

Scheme	Fund house	NAV	As of
HDFC Large Cap Fund - Growth Option - Regular Plan	HDFC	₹1,117.6250	24 Jul 2026
SBI Large Cap Fund - Regular Plan - Income Distribution cum Capital Withdrawal Option (IDCW)	SBI	₹52.5157	24 Jul 2026
Franklin India Large Cap Fund - IDCW	Franklin Templeton	₹41.8537	24 Jul 2026
Mirae Asset Large Cap Fund - Growth Plan	Mirae Asset	₹110.1470	24 Jul 2026
Kotak Large Cap Fund - Growth	Kotak	₹558.1270	24 Jul 2026
Edelweiss Large Cap Fund - Plan B - IDCW Option	Edelweiss	₹80.3900	24 Jul 2026
HSBC Large Cap Fund - Regular Growth	HSBC	₹464.7238	24 Jul 2026
UTI Large Cap Fund - Regular Plan - Growth Option	UTI	₹260.1960	24 Jul 2026
PGIM India Large Cap Fund - Growth	PGIM India	₹327.1700	24 Jul 2026
Aditya Birla Sun Life Large Cap Fund-Growth	Birla Sun Life	₹511.5500	24 Jul 2026

Recent NAVs

Date	NAV
24 Jul 2026	₹51.1830
23 Jul 2026	₹51.3890
22 Jul 2026	₹51.6380
21 Jul 2026	₹52.1220
20 Jul 2026	₹52.0530
17 Jul 2026	₹52.1620
16 Jul 2026	₹51.8520
15 Jul 2026	₹51.9300
14 Jul 2026	₹51.7340
13 Jul 2026	₹52.0780

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 Large Cap Fund - IDCW Option - Regular Plan is ₹51.1830. It's a Large Cap Fund from HDFC, run as a Unknown plan Growth option. NAVs update once per business day from the AMFI feed.

HDFC Large Cap Fund - IDCW Option - Regular Plan 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 Large Cap Fund - IDCW Option - Regular Plan is managed by HDFC. It's classified by AMFI under the 'Large Cap Fund' SEBI category, which determines its peer set and tax treatment.

Over the trailing 1-year window, HDFC Large Cap Fund - IDCW Option - Regular Plan has delivered a absolute return of -11.50% — -7.23 pp behind the Large Cap Fund category average of -4.27%. The fund ranks #34 of 35 in its category — the bottom (Q4) quartile.

Over the trailing 3-year window, HDFC Large Cap Fund - IDCW Option - Regular Plan has delivered a CAGR of -0.37% — -7.65 pp behind the Large Cap Fund category average of 7.28%. The fund ranks #35 of 35 in its category — the bottom (Q4) quartile.

Over the trailing 5-year window, HDFC Large Cap Fund - IDCW Option - Regular Plan has delivered a CAGR of 1.38% — -6.5 pp behind the Large Cap Fund category average of 7.88%. The fund ranks #33 of 34 in its category — the bottom (Q4) quartile.

₹1 lakh invested in HDFC Large Cap Fund - IDCW Option - Regular Plan exactly 10 years ago would be worth approximately ₹105,328 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 ₹223,148.

A ₹10,000 monthly SIP in HDFC Large Cap Fund - IDCW Option - Regular Plan over the last 5 years — total invested ₹600,000 — would be worth ₹575,012 today. That's an XIRR (money-weighted annualised return) of -1.67%.

A ₹10,000 monthly SIP for 10 years in HDFC Large Cap Fund - IDCW Option - Regular Plan = ₹1,200,000 invested. It would currently be worth ₹1,238,108 (multiplier 1.03×). XIRR: 0.62%. Long-horizon SIP results matter more than point-to-point returns because they smooth out entry timing.

On a 5-year basis, HDFC Large Cap Fund - IDCW Option - Regular Plan ranks #33 out of 34 funds in the Large Cap Fund category — that places it in the bottom quartile (Q4) — material underperformance. The category average return over the same window is 7.88%; this fund delivered 1.38%.

The worst peak-to-trough decline HDFC Large Cap Fund - IDCW Option - Regular Plan has experienced over the last 5-year window is 31.35% — its NAV fell from a high on 26 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 Cap Fund - IDCW Option - Regular Plan averaged 2.14% (best 14.16%, worst -10.70%). 66% of rolling windows ended positive. The 5-year Sharpe ratio is -0.28 — negative risk-adjusted performance.

In calendar year 2025, HDFC Large Cap Fund - IDCW Option - Regular Plan returned -2.87% — lagging the Large Cap Fund category average of 5.20% by 8.07 pp. It ranked #32 of 34 in its category that year.

HDFC Large Cap Fund - IDCW Option - Regular Plan 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 Cap Fund - IDCW Option - Regular Plan 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: 31.3%. 5-year CAGR: 1.38%.

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