Should I invest in HDFC Long Duration Debt Fund?

We don't give personal investment advice. HDFC Long Duration Debt Fund - IDCW Option - Direct Plan 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.

HDFC

HDFC Long Duration Debt Fund - IDCW Option - Direct Plan

Latest NAV

₹10.2309

As of

3 Jun 2026

811 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	+0.11%	+0.06%	+0.04	9 / 23	Q2
1W	+0.14%	+0.12%	+0.02	12 / 23	Q3
2W	+0.76%	+0.64%	+0.12	7 / 23	Q2
1M	-0.29%	-0.04%	-0.25	18 / 23	Q4
3M	-1.24%	-1.33%	+0.09	14 / 23	Q3
6M	-0.43%	-0.72%	+0.29	14 / 23	Q3
YTD	-1.06%	-1.41%	+0.35	14 / 23	Q3
1Y	-4.99%	-4.29%	-0.71	18 / 23	Q4
2Y	-1.97%	+0.62%	-2.59	19 / 21	Q4
3Y	-0.53%	+1.06%	-1.59	8 / 17	Q2
4Y	—	—	—	—	—
5Y	—	—	—	—	—
7Y	—	—	—	—	—
10Y	—	—	—	—	—
Inception	+0.71%	+2.83%	-2.12	19 / 23	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	-1.06%	-1.63%	+0.56	12 / 21
2025	+0.47%	+1.47%	-1.00	15 / 21
2024	+2.08%	+6.31%	-4.22	10 / 16
2023	—	—	—	—

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

+0.51%

29 windows

min -6.4% · max 5.3%

62% positive

Limited basis — fund is young, so this average may be skewed by which 1Y windows happen to be available.

3-Year rolling

+0.12%

5 windows

min -0.5% · max 1.1%

40% positive

Limited basis — fund is young, so this average may be skewed by which 3Y windows happen to be available.

5-Year rolling

—

Insufficient history

7-Year rolling

—

Insufficient history

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

6.19%

3-year · annualised

Sharpe ratio

-1.10

vs risk-free 6.5%

Sortino ratio

-1.53

Downside-only deviation

Max drawdown

-9.16%

Sep 2024 → Apr 2026

% positive months

52.8%

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 Long Duration Fund

Scheme	Fund house	NAV	As of
NIPPON INDIA NIVESH LAKSHYA LONG DURATION FUND - DIRECT Plan - QUARTERLY IDCW Option	Nippon India	₹11.4651	3 Jun 2026
SBI Long Duration Fund - Direct Plan - Income Distribution cum Capital Withdrawal Option (IDCW)	SBI	₹12.4647	3 Jun 2026
ICICI Prudential Long Term Bond Fund - Direct Plan - Quarterly IDCW	ICICI Prudential	₹12.6103	3 Jun 2026
Bandhan Long Duration Fund - Direct Plan - IDCW	Bandhan	₹10.2224	3 Jun 2026
Aditya Birla Sun Life Long Duration Fund-Direct IDCW Payout	Aditya Birla Sun Life	₹10.6531	3 Jun 2026
Franklin India Long Duration Fund - Direct - IDCW	Franklin India	₹10.3334	3 Jun 2026
Mirae Asset Long Duration Fund - Direct Plan - IDCW	Mirae Asset	₹10.2550	3 Jun 2026
Kotak Long Duration Fund - Direct Plan - IDCW	Kotak	₹10.9178	3 Jun 2026
UTI Long Duration Fund - Direct Plan - Annual IDCW Option	UTI	₹11.1181	3 Jun 2026
Axis Long Duration Fund - Direct Plan - Annual IDCW	Axis	₹1,217.9869	3 Jun 2026

Recent NAVs

Date	NAV
3 Jun 2026	₹10.2309
2 Jun 2026	₹10.2425
1 Jun 2026	₹10.2315
29 May 2026	₹10.2588
27 May 2026	₹10.2482
26 May 2026	₹10.2282
25 May 2026	₹10.2428
22 May 2026	₹10.1921
21 May 2026	₹10.1686
20 May 2026	₹10.1813

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 Long Duration Debt Fund - IDCW Option - Direct Plan is ₹10.2309. It's a Long Duration Fund from HDFC, run as a Direct plan IDCW (dividend) option. NAVs update once per business day from the AMFI feed.

HDFC Long Duration Debt Fund - IDCW Option - Direct Plan has NAV history starting from 20 Jan 2023, a track record of about 3 years 4 months. It's a relatively new scheme. With under 5 years of NAVs, peer comparison is the best yardstick — point-to-point returns can be skewed by entry timing.

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

Over the trailing 1-year window, HDFC Long Duration Debt Fund - IDCW Option - Direct Plan has delivered a absolute return of -4.99% — -0.71 pp behind the Long Duration Fund category average of -4.29%. The fund ranks #18 of 23 in its category — the bottom (Q4) quartile.

Over the trailing 3-year window, HDFC Long Duration Debt Fund - IDCW Option - Direct Plan has delivered a CAGR of -0.53% — -1.59 pp behind the Long Duration Fund category average of 1.06%. The fund ranks #8 of 17 in its category — the second (Q2) quartile.

HDFC Long Duration Debt Fund - IDCW Option - Direct Plan doesn't have a complete 5-year window yet (we need at least 5 year of NAVs). Check the shorter-window returns above.

₹1 lakh invested in HDFC Long Duration Debt Fund - IDCW Option - Direct Plan exactly 3 years ago would be worth approximately ₹98,420 today — a multiplier of 0.98×, based on the 3-year CAGR of -0.53%. The category average over the same window would have grown ₹1 lakh to ₹103,204.

A ₹10,000 monthly SIP in HDFC Long Duration Debt Fund - IDCW Option - Direct Plan over the last 3 years — total invested ₹360,000 — would be worth ₹355,403 today. That's an XIRR (money-weighted annualised return) of -0.83%.

HDFC Long Duration Debt Fund - IDCW Option - Direct Plan doesn't yet have 10 years of NAVs. Over the longest available window (3-year SIP), ₹10,000/month would have grown to ₹355,403 — XIRR -0.83%.

On a 3-year basis, HDFC Long Duration Debt Fund - IDCW Option - Direct Plan ranks #8 out of 17 funds in the Long Duration Fund category — that places it in the second quartile (Q2) — above the median. The category average return over the same window is 1.06%; this fund delivered -0.53%.

The worst peak-to-trough decline HDFC Long Duration Debt Fund - IDCW Option - Direct Plan has experienced over the last 3-year window is 9.16% — its NAV fell from a high on 25 Sep 2024 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 3-year rolling windows, HDFC Long Duration Debt Fund - IDCW Option - Direct Plan averaged 0.12% (best 1.06%, worst -0.53%). 40% of rolling windows ended positive. The 3-year Sharpe ratio is -1.10 — negative risk-adjusted performance.

In calendar year 2025, HDFC Long Duration Debt Fund - IDCW Option - Direct Plan returned 0.47% — lagging the Long Duration Fund category average of 1.47% by 1.00 pp. It ranked #15 of 21 in its category that year.

HDFC Long Duration Debt Fund - IDCW Option - Direct Plan 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 Long Duration Debt Fund - IDCW Option - Direct Plan 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.

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