Should I invest in HDFC Long Term Advantage Plan?

We don't give personal investment advice. HDFC Long Term Advantage Plan - IDCW 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: 53.9%. 5-year CAGR: 6.82%.

HDFC

HDFC Long Term Advantage Plan - IDCW Option - Direct Plan

Latest NAV

₹57.5150

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%	+0.12%	-0.07	43 / 76	Q3
1W	+3.12%	-1.31%	+4.43	2 / 76	Q1
2W	+5.66%	+0.08%	+5.58	1 / 76	Q1
1M	+5.02%	-0.99%	+6.00	5 / 76	Q1
3M	+1.26%	-0.23%	+1.49	19 / 76	Q1
6M	+14.70%	-4.25%	+18.95	5 / 76	Q1
YTD	+5.66%	-3.63%	+9.29	5 / 76	Q1
1Y	+25.06%	+1.70%	+23.36	5 / 76	Q1
2Y	+13.59%	+3.10%	+10.50	6 / 75	Q1
3Y	+9.11%	+10.95%	-1.84	42 / 75	Q3
4Y	+3.08%	+11.02%	-7.94	67 / 69	Q4
5Y	+6.82%	+10.65%	-3.83	57 / 65	Q4
7Y	+3.89%	+11.69%	-7.80	62 / 63	Q4
10Y	—	—	—	—	—
Inception	+5.89%	+10.74%	-4.85	70 / 76	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	+5.66%	+1.46%	+4.20	11 / 65
2021	+24.00%	+33.28%	-9.27	57 / 68
2020	-0.52%	+13.91%	-14.42	67 / 68
2019	-0.78%	+5.99%	-6.78	51 / 66
2018	-11.97%	-7.59%	-4.39	38 / 56
2017	+24.68%	+29.87%	-5.20	40 / 50
2016	+3.25%	+1.05%	+2.19	11 / 46
2015	-10.96%	-10.96%	+0.00	1 / 1
2014	+29.40%	+29.40%	+0.00	1 / 1
2013	-2.49%	-2.49%	+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

+8.61%

99 windows

min -38.0% · max 65.4%

62% positive

3-Year rolling

+3.06%

74 windows

min -14.1% · max 14.3%

81% positive

5-Year rolling

+3.64%

50 windows

min -7.9% · max 11.2%

76% positive

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

7-Year rolling

+3.22%

26 windows

min -1.6% · max 7.8%

88% 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

24.66%

3-year · annualised

Sharpe ratio

0.24

vs risk-free 6.5%

Sortino ratio

0.31

Downside-only deviation

Max drawdown

-47.91%

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 ELSS Tax saver - IDCW Option - Direct Plan	HDFC	₹88.8430	3 Jun 2026
NIPPON INDIA ELSS TAX SAVER FUND - DIRECT Plan - ANNUAL IDCW Option	Nippon India	₹21.9652	3 Jun 2026
SBI ELSS Tax Saver Fund - Direct Plan - Income Distribution cum Capital Withdrawal Option (IDCW)	SBI	₹113.4965	3 Jun 2026
ICICI Prudential ELSS Tax Saver Fund - Direct Plan - IDCW	ICICI Prudential	₹43.2500	3 Jun 2026
Invesco India ELSS Tax Saver Fund - Direct Plan - IDCW Payout	Invesco	₹30.0200	3 Jun 2026
BANDHAN ELSS Tax Saver Fund - Direct Plan - IDCW	Bandhan	₹40.0710	3 Jun 2026
quant ELSS Tax Saver Fund - IDCW Option - Direct Plan	Quant	₹59.0826	3 Jun 2026
Aditya Birla Sun Life ELSS Tax Saver Fund-DIRECT - IDCW	Aditya Birla Sun Life	₹417.8400	3 Jun 2026
Motilal Oswal ELSS Tax Saver Fund Direct - IDCW Payout	Motilal Oswal	₹38.4424	3 Jun 2026
Franklin India ELSS Tax Saver Fund - Direct - IDCW	Franklin India	₹67.3238	3 Jun 2026

Recent NAVs

Date	NAV
14 Jan 2022	₹57.5150
13 Jan 2022	₹57.4880
12 Jan 2022	₹57.1730
11 Jan 2022	₹56.7140
10 Jan 2022	₹56.6790
7 Jan 2022	₹55.7740
6 Jan 2022	₹55.4880
5 Jan 2022	₹55.9800
4 Jan 2022	₹55.6700
3 Jan 2022	₹55.3310

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 - IDCW Option - Direct Plan is ₹57.5150. It's a ELSS from HDFC, run as a Direct plan IDCW (dividend) option. NAVs update once per business day from the AMFI feed.

HDFC Long Term Advantage Plan - IDCW Option - Direct Plan has NAV history starting from 01 Jan 2013, a track record of about 13 years 5 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 - IDCW 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 - IDCW Option - Direct Plan has delivered a absolute return of 25.06% — +23.36 pp ahead of the ELSS category average of 1.70%. The fund ranks #5 of 76 in its category — the top (Q1) quartile.

Over the trailing 3-year window, HDFC Long Term Advantage Plan - IDCW Option - Direct Plan has delivered a CAGR of 9.11% — -1.84 pp behind the ELSS category average of 10.95%. The fund ranks #42 of 75 in its category — the third (Q3) quartile.

Over the trailing 5-year window, HDFC Long Term Advantage Plan - IDCW Option - Direct Plan has delivered a CAGR of 6.82% — -3.83 pp behind the ELSS category average of 10.65%. The fund ranks #57 of 65 in its category — the bottom (Q4) quartile.

₹1 lakh invested in HDFC Long Term Advantage Plan - IDCW Option - Direct Plan exactly 5 years ago would be worth approximately ₹139,087 today — a multiplier of 1.39×, based on the 5-year CAGR of 6.82%. The category average over the same window would have grown ₹1 lakh to ₹165,837.

A ₹10,000 monthly SIP in HDFC Long Term Advantage Plan - IDCW Option - Direct Plan over the last 5 years — total invested ₹600,000 — would be worth ₹808,494 today. That's an XIRR (money-weighted annualised return) of 11.85%.

HDFC Long Term Advantage Plan - IDCW 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 ₹1,167,344 — XIRR 9.23%.

On a 5-year basis, HDFC Long Term Advantage Plan - IDCW Option - Direct Plan ranks #57 out of 65 funds in the ELSS category — that places it in the bottom quartile (Q4) — material underperformance. The category average return over the same window is 10.65%; this fund delivered 6.82%.

The worst peak-to-trough decline HDFC Long Term Advantage Plan - IDCW Option - Direct Plan has experienced over the last 5-year window is 53.87% — 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 Plan - IDCW Option - Direct Plan averaged 3.64% (best 11.24%, worst -7.93%). 76% of rolling windows ended positive. The 5-year Sharpe ratio is 0.12 — weak risk-adjusted performance.

In calendar year 2021, HDFC Long Term Advantage Plan - IDCW Option - Direct Plan returned 24.00% — lagging the ELSS category average of 33.28% by 9.27 pp. It ranked #57 of 68 in its category that year.

HDFC Long Term Advantage Plan - IDCW 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 - IDCW 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: 53.9%. 5-year CAGR: 6.82%.

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