Should I invest in HDFC Long Term Advantage Plan?

We don't give personal investment advice. HDFC Long Term Advantage Plan - Growth Option - Direct 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: 39.6%. 5-year CAGR: 17.93%.

HDFC

HDFC Long Term Advantage Plan - Growth Option - Direct Plan

Latest NAV

₹625.3850

As of

14 Jan 2022

2,225 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%	+0.16%	-0.12	40 / 59	Q3
1W	+3.12%	+0.01%	+3.11	2 / 59	Q1
2W	+5.66%	+0.41%	+5.25	1 / 59	Q1
1M	+5.02%	+1.60%	+3.41	5 / 59	Q1
3M	+1.26%	+3.41%	-2.16	45 / 59	Q4
6M	+14.70%	+3.24%	+11.46	5 / 59	Q1
YTD	+5.66%	+2.42%	+3.24	14 / 59	Q1
1Y	+36.07%	+6.87%	+29.20	5 / 59	Q1
2Y	+25.60%	+4.51%	+21.09	4 / 58	Q1
3Y	+20.74%	+14.16%	+6.58	2 / 58	Q1
4Y	+14.03%	+15.94%	-1.91	36 / 51	Q3
5Y	+17.93%	+14.21%	+3.71	5 / 47	Q1
7Y	+14.54%	+17.19%	-2.64	36 / 45	Q4
10Y	—	—	—	—	—
Inception	+17.27%	+14.54%	+2.73	9 / 59	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	+5.66%	+3.78%	+1.89	16 / 47
2021	+34.92%	+39.32%	-4.40	27 / 50
2020	+11.79%	+18.42%	-6.63	41 / 50
2019	+9.95%	+6.48%	+3.46	20 / 47
2018	-2.71%	-7.38%	+4.67	10 / 37
2017	+36.54%	+38.27%	-1.73	18 / 31
2016	+13.30%	+5.54%	+7.75	2 / 27
2015	-2.03%	-2.03%	+0.00	1 / 1
2014	+45.06%	+45.06%	+0.00	1 / 1
2013	+10.52%	+10.52%	+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

+19.85%

99 windows

min -30.3% · max 80.0%

83% positive

3-Year rolling

+13.58%

74 windows

min -4.4% · max 24.0%

96% positive

5-Year rolling

+14.22%

50 windows

min 1.8% · max 22.8%

100% positive

Limited basis — fund is young, so this average may be skewed by which 5Y windows happen to be available.

7-Year rolling

+13.95%

26 windows

min 8.9% · max 17.4%

100% positive

Limited basis — fund is young, so this average may be skewed by which 7Y windows happen to be available.

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

19.87%

3-year · annualised

Sharpe ratio

0.75

vs risk-free 6.5%

Sortino ratio

1.09

Downside-only deviation

Max drawdown

-39.63%

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 ELSS Tax saver - Growth Option - Direct Plan	HDFC	₹1,497.0580	17 Jul 2026
Nippon India ELSS Tax Saver Fund - Direct Plan Growth Plan - Growth Option	Nippon India	₹144.8728	17 Jul 2026
SBI ELSS Tax Saver FUND - DIRECT PLAN -GROWTH	SBI	₹479.1199	17 Jul 2026
ICICI Prudential ELSS Tax Saver Fund - Direct Plan - Growth	ICICI Prudential	₹1,043.9300	17 Jul 2026
Invesco India ELSS Tax Saver Fund - Direct Plan - Growth	Invesco	₹148.3100	17 Jul 2026
BANDHAN ELSS Tax Saver Fund - Direct Plan - Growth	Bandhan	₹179.3500	17 Jul 2026
quant ELSS Tax Saver Fund - Growth Option - Direct Plan	Quant	₹460.9956	17 Jul 2026
Aditya Birla Sun Life ELSS Tax Saver Fund - Growth - Direct Plan	Aditya Birla Sun Life	₹69.9900	17 Jul 2026
Motilal Oswal ELSS Tax Saver Fund - Direct Plan - Growth Option	Motilal Oswal	₹63.7427	17 Jul 2026
Franklin India ELSS Tax Saver Fund - Direct - Growth	Franklin India	₹1,617.9351	17 Jul 2026

Recent NAVs

Date	NAV
14 Jan 2022	₹625.3850
13 Jan 2022	₹625.0860
12 Jan 2022	₹621.6630
11 Jan 2022	₹616.6690
10 Jan 2022	₹616.2900
7 Jan 2022	₹606.4550
6 Jan 2022	₹603.3450
5 Jan 2022	₹608.6920
4 Jan 2022	₹605.3140
3 Jan 2022	₹601.6290

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 Plan - Growth Option - Direct Plan is ₹625.3850. It's a ELSS from HDFC, run as a Direct plan Growth option. NAVs update once per business day from the AMFI feed.

HDFC Long Term Advantage Plan - Growth Option - Direct Plan has NAV history starting from 01 Jan 2013, a track record of about 13 years 6 months. 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 Long Term Advantage Plan - Growth Option - Direct Plan 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 Plan - Growth Option - Direct Plan has delivered a absolute return of 36.07% — +29.2 pp ahead of the ELSS category average of 6.87%. The fund ranks #5 of 59 in its category — the top (Q1) quartile.

Over the trailing 3-year window, HDFC Long Term Advantage Plan - Growth Option - Direct Plan has delivered a CAGR of 20.74% — +6.58 pp ahead of the ELSS category average of 14.16%. The fund ranks #2 of 58 in its category — the top (Q1) quartile.

Over the trailing 5-year window, HDFC Long Term Advantage Plan - Growth Option - Direct Plan has delivered a CAGR of 17.93% — +3.71 pp ahead of the ELSS category average of 14.21%. The fund ranks #5 of 47 in its category — the top (Q1) quartile.

₹1 lakh invested in HDFC Long Term Advantage Plan - Growth Option - Direct Plan exactly 5 years ago would be worth approximately ₹228,073 today — a multiplier of 2.28×, based on the 5-year CAGR of 17.93%. The category average over the same window would have grown ₹1 lakh to ₹194,351.

A ₹10,000 monthly SIP in HDFC Long Term Advantage Plan - Growth Option - Direct Plan over the last 5 years — total invested ₹600,000 — would be worth ₹1,013,918 today. That's an XIRR (money-weighted annualised return) of 21.07%.

HDFC Long Term Advantage Plan - Growth Option - Direct Plan doesn't yet have 10 years of NAVs. Over the longest available window (7-year SIP), ₹10,000/month would have grown to ₹1,635,089 — XIRR 18.66%.

On a 5-year basis, HDFC Long Term Advantage Plan - Growth Option - Direct Plan ranks #5 out of 47 funds in the ELSS category — that places it in the top quartile (Q1) — strong outperformance. The category average return over the same window is 14.21%; this fund delivered 17.93%.

The worst peak-to-trough decline HDFC Long Term Advantage Plan - Growth Option - Direct Plan has experienced over the last 5-year window is 39.63% — 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 Plan - Growth Option - Direct Plan averaged 14.22% (best 22.78%, worst 1.82%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is 0.69 — reasonable risk-adjusted performance.

In calendar year 2021, HDFC Long Term Advantage Plan - Growth Option - Direct Plan returned 34.92% — lagging the ELSS category average of 39.32% by 4.40 pp. It ranked #27 of 50 in its category that year.

HDFC Long Term Advantage Plan - Growth Option - Direct 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 Long Term Advantage Plan - Growth Option - Direct 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: 39.6%. 5-year CAGR: 17.93%.

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