Should I invest in HDFC Long Term Advantage Fund?

We don't give personal investment advice. HDFC Long Term Advantage Fund - Dividend 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: 55.5%. 5-year CAGR: 5.47%.

HDFC

HDFC Long Term Advantage Fund - Dividend Option

Latest NAV

₹51.7220

As of

14 Jan 2022

3,887 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	+0.05%	-2.11%	+2.16	39 / 90	Q2
1W	+3.12%	-4.12%	+7.23	5 / 87	Q1
2W	+5.65%	-3.75%	+9.40	2 / 87	Q1
1M	+5.00%	-5.60%	+10.60	2 / 87	Q1
3M	+1.16%	-5.40%	+6.56	22 / 87	Q2
6M	+14.46%	-3.98%	+18.44	10 / 89	Q1
YTD	+5.65%	-5.20%	+10.85	16 / 89	Q1
1Y	+23.46%	+1.41%	+22.06	10 / 87	Q1
2Y	+12.02%	-0.15%	+12.16	17 / 86	Q1
3Y	+7.65%	+6.12%	+1.53	57 / 81	Q3
4Y	+1.74%	+7.91%	-6.17	71 / 78	Q4
5Y	+5.47%	+6.94%	-1.47	61 / 77	Q4
7Y	+2.49%	+8.75%	-6.26	70 / 75	Q4
10Y	+5.11%	+8.10%	-2.99	57 / 69	Q4
Inception	+1.09%	+5.86%	-4.77	79 / 91	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
2022 YTD	+5.65%	+0.75%	+4.90	15 / 52
2021	+22.41%	+28.91%	-6.50	39 / 54
2020	-2.00%	+11.40%	-13.41	53 / 56
2019	-2.00%	+2.03%	-4.03	48 / 59
2018	-13.05%	-9.68%	-3.37	43 / 61
2017	+23.33%	+29.95%	-6.62	48 / 65
2016	+0.66%	-0.31%	+0.97	34 / 70
2015	-11.49%	-1.16%	-10.33	23 / 24
2014	+28.64%	+42.05%	-13.41	26 / 27
2013	-2.98%	+2.38%	-5.36	24 / 27
2012	+13.66%	+28.66%	-15.00	27 / 27

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

+3.69%

181 windows

min -56.2% · max 90.6%

51% positive

3-Year rolling

+0.64%

156 windows

min -21.2% · max 21.6%

55% positive

5-Year rolling

+1.02%

132 windows

min -9.5% · max 10.4%

58% positive

7-Year rolling

+1.26%

108 windows

min -5.8% · max 8.5%

73% 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

25.13%

3-year · annualised

Sharpe ratio

0.19

vs risk-free 6.5%

Sortino ratio

0.24

Downside-only deviation

Max drawdown

-49.09%

Mar 2019 → Mar 2020

% positive months

69.4%

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 ELSS

Scheme	Fund house	NAV	As of
HDFC TaxSaver-Dividend Plan	HDFC	₹63.5390	3 Jun 2026
NIPPON INDIA ELSS TAX SAVER FUND - ANNUAL IDCW Option	Nippon India	₹19.9775	3 Jun 2026
SBI MAGNUM TAXGAIN SCHEME 1993 - DIVIDEND	SBI	₹85.4857	3 Jun 2026
ICICI Prudential Long Term Wealth Enhancement Fund - IDCW Option	ICICI Prudential	₹27.4000	3 Jun 2026
Quantum Tax Saving Fund - Dividend	Quantum	₹121.5100	3 Jun 2026
Motilal Oswal ELSS Tax Saver Fund - IDCW Payout	Motilal Oswal	₹29.6508	3 Jun 2026
Franklin India Taxshield-Dividend	Franklin Templeton	₹57.8774	3 Jun 2026
Kotak Tax Saver-Scheme-Dividend	Kotak Mahindra	₹41.1340	3 Jun 2026
EDELWEISS ELSS FUND - Dividend Option	Edelweiss	₹29.5000	3 Jun 2026
DSP BlackRock Tax Saver Fund - Dividend	DSP BlackRock	₹21.1600	3 Jun 2026

Recent NAVs

Date	NAV
14 Jan 2022	₹51.7220
13 Jan 2022	₹51.6970
12 Jan 2022	₹51.4140
11 Jan 2022	₹51.0020
10 Jan 2022	₹50.9700
7 Jan 2022	₹50.1580
6 Jan 2022	₹49.9010
5 Jan 2022	₹50.3430
4 Jan 2022	₹50.0640
3 Jan 2022	₹49.7600

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 14 Jan 2022, the NAV of HDFC Long Term Advantage Fund - Dividend Option is ₹51.7220. It's a ELSS from HDFC, run as a Unknown plan IDCW (dividend) option. NAVs update once per business day from the AMFI feed.

HDFC Long Term Advantage Fund - Dividend Option 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 Long Term Advantage Fund - Dividend Option is managed by HDFC. It's classified by AMFI under the 'ELSS' SEBI category, which determines its peer set and tax treatment.

Over the trailing 1-year window, HDFC Long Term Advantage Fund - Dividend Option has delivered a absolute return of 23.46% — +22.06 pp ahead of the ELSS category average of 1.41%. The fund ranks #10 of 87 in its category — the top (Q1) quartile.

Over the trailing 3-year window, HDFC Long Term Advantage Fund - Dividend Option has delivered a CAGR of 7.65% — +1.53 pp ahead of the ELSS category average of 6.12%. The fund ranks #57 of 81 in its category — the third (Q3) quartile.

Over the trailing 5-year window, HDFC Long Term Advantage Fund - Dividend Option has delivered a CAGR of 5.47% — -1.47 pp behind the ELSS category average of 6.94%. The fund ranks #61 of 77 in its category — the bottom (Q4) quartile.

₹1 lakh invested in HDFC Long Term Advantage Fund - Dividend Option exactly 10 years ago would be worth approximately ₹164,599 today — a multiplier of 1.65×, based on the 10-year CAGR of 5.11%. The category average over the same window would have grown ₹1 lakh to ₹217,976.

A ₹10,000 monthly SIP in HDFC Long Term Advantage Fund - Dividend Option over the last 5 years — total invested ₹600,000 — would be worth ₹784,088 today. That's an XIRR (money-weighted annualised return) of 10.62%.

A ₹10,000 monthly SIP for 10 years in HDFC Long Term Advantage Fund - Dividend Option = ₹1,200,000 invested. It would currently be worth ₹1,689,395 (multiplier 1.41×). XIRR: 6.65%. Long-horizon SIP results matter more than point-to-point returns because they smooth out entry timing.

On a 5-year basis, HDFC Long Term Advantage Fund - Dividend Option ranks #61 out of 77 funds in the ELSS category — that places it in the bottom quartile (Q4) — material underperformance. The category average return over the same window is 6.94%; this fund delivered 5.47%.

The worst peak-to-trough decline HDFC Long Term Advantage Fund - Dividend Option has experienced over the last 5-year window is 55.48% — its NAV fell from a high on 23 Jan 2018 to a low on 23 Mar 2020. 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 Long Term Advantage Fund - Dividend Option averaged 1.02% (best 10.45%, worst -9.54%). 58% of rolling windows ended positive. The 5-year Sharpe ratio is 0.07 — weak risk-adjusted performance.

In calendar year 2021, HDFC Long Term Advantage Fund - Dividend Option returned 22.41% — lagging the ELSS category average of 28.91% by 6.50 pp. It ranked #39 of 54 in its category that year.

HDFC Long Term Advantage Fund - Dividend 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 Long Term Advantage Fund - Dividend 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: 55.5%. 5-year CAGR: 5.47%.

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