Should I invest in HDFC Long Term Advantage Fund?

We don't give personal investment advice. HDFC Long Term Advantage Fund - Growth 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: 39.7%. 5-year CAGR: 17.29%.

HDFC

HDFC Long Term Advantage Fund - Growth Option

Latest NAV

₹595.1680

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	40 / 90	Q2
1W	+3.12%	-4.12%	+7.23	6 / 87	Q1
2W	+5.65%	-3.75%	+9.40	3 / 87	Q1
1M	+5.00%	-5.60%	+10.60	3 / 87	Q1
3M	+1.16%	-5.40%	+6.56	23 / 87	Q2
6M	+14.46%	-3.98%	+18.44	11 / 89	Q1
YTD	+5.65%	-5.20%	+10.85	17 / 89	Q1
1Y	+35.51%	+1.41%	+34.10	7 / 87	Q1
2Y	+25.04%	-0.15%	+25.19	4 / 86	Q1
3Y	+20.18%	+6.12%	+14.05	1 / 81	Q1
4Y	+13.45%	+7.91%	+5.55	26 / 78	Q2
5Y	+17.29%	+6.94%	+10.35	1 / 77	Q1
7Y	+13.91%	+8.75%	+5.15	15 / 75	Q1
10Y	+17.36%	+8.10%	+9.25	3 / 69	Q1
Inception	+12.92%	+5.86%	+7.06	15 / 91	Q1

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	16 / 52
2021	+34.35%	+28.91%	+5.44	14 / 54
2020	+11.25%	+11.40%	-0.15	31 / 56
2019	+9.41%	+2.03%	+7.38	14 / 59
2018	-3.33%	-9.68%	+6.35	12 / 61
2017	+35.62%	+29.95%	+5.66	19 / 65
2016	+12.54%	-0.31%	+12.85	2 / 70
2015	-2.52%	-1.16%	-1.35	16 / 24
2014	+44.31%	+42.05%	+2.27	10 / 27
2013	+9.93%	+2.38%	+7.55	3 / 27
2012	+28.52%	+28.66%	-0.14	13 / 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

+16.47%

181 windows

min -51.0% · max 112.4%

75% positive

3-Year rolling

+12.85%

156 windows

min -9.2% · max 36.4%

96% positive

5-Year rolling

+13.17%

132 windows

min 1.2% · max 24.1%

100% positive

7-Year rolling

+13.46%

108 windows

min 7.1% · max 21.5%

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

19.86%

3-year · annualised

Sharpe ratio

0.73

vs risk-free 6.5%

Sortino ratio

1.05

Downside-only deviation

Max drawdown

-39.68%

Jan 2020 → Mar 2020

% positive months

72.2%

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	₹595.1680
13 Jan 2022	₹594.8870
12 Jan 2022	₹591.6330
11 Jan 2022	₹586.8830
10 Jan 2022	₹586.5260
7 Jan 2022	₹577.1750
6 Jan 2022	₹574.2180
5 Jan 2022	₹579.3100
4 Jan 2022	₹576.0990
3 Jan 2022	₹572.5950

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 - Growth Option is ₹595.1680. 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 - Growth 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 - Growth 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 - Growth Option has delivered a absolute return of 35.51% — +34.1 pp ahead of the ELSS category average of 1.41%. The fund ranks #7 of 87 in its category — the top (Q1) quartile.

Over the trailing 3-year window, HDFC Long Term Advantage Fund - Growth Option has delivered a CAGR of 20.18% — +14.05 pp ahead of the ELSS category average of 6.12%. The fund ranks #1 of 81 in its category — the top (Q1) quartile.

Over the trailing 5-year window, HDFC Long Term Advantage Fund - Growth Option has delivered a CAGR of 17.29% — +10.35 pp ahead of the ELSS category average of 6.94%. The fund ranks #1 of 77 in its category — the top (Q1) quartile.

₹1 lakh invested in HDFC Long Term Advantage Fund - Growth Option exactly 10 years ago would be worth approximately ₹495,485 today — a multiplier of 4.95×, based on the 10-year CAGR of 17.36%. 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 - Growth Option over the last 5 years — total invested ₹600,000 — would be worth ₹1,000,489 today. That's an XIRR (money-weighted annualised return) of 20.53%.

A ₹10,000 monthly SIP for 10 years in HDFC Long Term Advantage Fund - Growth Option = ₹1,200,000 invested. It would currently be worth ₹2,983,252 (multiplier 2.49×). XIRR: 17.32%. 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 - Growth Option ranks #1 out of 77 funds in the ELSS category — that places it in the top quartile (Q1) — strong outperformance. The category average return over the same window is 6.94%; this fund delivered 17.29%.

The worst peak-to-trough decline HDFC Long Term Advantage Fund - Growth Option has experienced over the last 5-year window is 39.68% — its NAV fell from a high on 14 Jan 2020 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 - Growth Option averaged 13.17% (best 24.12%, worst 1.21%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is 0.66 — reasonable risk-adjusted performance.

In calendar year 2021, HDFC Long Term Advantage Fund - Growth Option returned 34.35% — beating the ELSS category average of 28.91% by 5.44 pp. It ranked #14 of 54 in its category that year.

HDFC Long Term Advantage Fund - Growth 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 - Growth 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: 39.7%. 5-year CAGR: 17.29%.

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