Should I invest in HDFC Low Duration Fund- Wholesale Daily Dividend?

We don't give personal investment advice. HDFC Low Duration Fund- Wholesale Daily Dividend 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. Worst 5-year drawdown: 1.1%. 5-year CAGR: 0.25%.

HDFC

HDFC Low Duration Fund- Wholesale Daily Dividend

Latest NAV

₹10.1574

As of

10 May 2019

2,912 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	+0.00%	0.00%	+0.00	42 / 47	Q4
1W	+0.00%	-0.10%	+0.10	36 / 47	Q4
2W	+0.02%	-0.04%	+0.05	40 / 47	Q4
1M	+0.00%	+0.13%	-0.13	32 / 47	Q3
3M	+0.00%	+0.60%	-0.60	38 / 46	Q4
6M	+0.00%	+2.24%	-2.24	35 / 46	Q4
YTD	+0.00%	+2.27%	-2.27	35 / 46	Q4
1Y	+0.08%	+4.05%	-3.97	29 / 46	Q3
2Y	+0.00%	+4.03%	-4.03	36 / 45	Q4
3Y	+0.37%	+3.65%	-3.28	25 / 43	Q3
4Y	+0.31%	+3.47%	-3.17	25 / 43	Q3
5Y	+0.25%	+3.48%	-3.23	25 / 39	Q3
7Y	+0.18%	+3.33%	-3.15	27 / 38	Q3
10Y	+0.12%	+3.04%	-2.91	24 / 37	Q3
Inception	+0.10%	+4.04%	-3.94	34 / 47	Q3

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
2019 YTD	+0.00%	+1.00%	-1.00	22 / 39
2018	+0.00%	+2.90%	-2.90	27 / 37
2017	+0.00%	+2.57%	-2.57	20 / 37
2016	+1.08%	+3.64%	-2.56	17 / 38
2015	+0.10%	+2.59%	-2.49	5 / 7
2014	+0.00%	+1.63%	-1.63	5 / 6
2013	+0.00%	+1.59%	-1.59	5 / 6
2012	+0.00%	+1.77%	-1.77	6 / 6
2011	+0.00%	+2.25%	-2.25	4 / 4
2010	+0.00%	+1.43%	-1.43	4 / 4
2009	+0.00%	+1.54%	-1.54	4 / 4

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

+0.12%

135 windows

min -0.2% · max 1.2%

30% positive

3-Year rolling

+0.13%

111 windows

min -0.1% · max 0.7%

45% positive

5-Year rolling

+0.10%

86 windows

min 0.0% · max 0.4%

58% positive

7-Year rolling

+0.10%

62 windows

min 0.0% · max 0.3%

81% 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

0.78%

3-year · annualised

Sharpe ratio

-7.90

vs risk-free 6.5%

Sortino ratio

-11.84

Downside-only deviation

Max drawdown

-1.12%

Jul 2018 → Sep 2018

% positive months

36.1%

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 Low Duration Fund

Scheme	Fund house	NAV	As of
NIPPON INDIA LOW DURATION FUND - IDCW Option	Nippon India	₹2,117.7072	24 Jul 2026
ICICI Prudential Savings Fund - Daily IDCW	ICICI Prudential	₹105.7358	24 Jul 2026
Invesco India Low Duration Fund - Discretionary IDCW (Payout / Reinvestment)	Invesco	₹4,119.0188	24 Jul 2026
Franklin India Low Duration Fund-IDCW	Franklin India	₹10.5459	24 Jul 2026
BARODA BNP PARIBAS LOW DURATION Fund-Defunct Plan- Daily IDCW Option	Baroda BNP Paribas	₹10.0499	24 Jul 2026
CANARA ROBECO SAVINGS FUND - REGULAR PLAN - DAILY IDCW (Reinvestment)	Canara Robeco	₹10.2600	24 Jul 2026
UTI Low Duration Fund - Discontinued - Annaul Dividend Option	UTI	₹3,599.5949	24 Jul 2026
Aditya Birla Sun Life Low Duration Fund -REGULAR - WEEKLY IDCW	Birla Sun Life	₹100.6028	24 Jul 2026
BANDHAN Low Duration Fund - Regular Plan - Daily IDCW	IDFC	₹10.1015	24 Jul 2026
JM Low Duration Fund - Bonus Option - Principal Units		₹23.7355	24 Jul 2026

Recent NAVs

Date	NAV
10 May 2019	₹10.1574
9 May 2019	₹10.1574
8 May 2019	₹10.1574
7 May 2019	₹10.1574
6 May 2019	₹10.1574
3 May 2019	₹10.1574
2 May 2019	₹10.1574
30 Apr 2019	₹10.1574
26 Apr 2019	₹10.1555
25 Apr 2019	₹10.1542

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 10 May 2019, the NAV of HDFC Low Duration Fund- Wholesale Daily Dividend is ₹10.1574. It's a Low Duration Fund from HDFC, run as a Unknown plan IDCW (dividend) option. NAVs update once per business day from the AMFI feed.

HDFC Low Duration Fund- Wholesale Daily Dividend has NAV history starting from 24 Apr 2007, a track record of about 19 years 3 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 Low Duration Fund- Wholesale Daily Dividend is managed by HDFC. It's classified by AMFI under the 'Low Duration Fund' SEBI category, which determines its peer set and tax treatment.

Over the trailing 1-year window, HDFC Low Duration Fund- Wholesale Daily Dividend has delivered a absolute return of 0.08% — -3.97 pp behind the Low Duration Fund category average of 4.05%. The fund ranks #29 of 46 in its category — the third (Q3) quartile.

Over the trailing 3-year window, HDFC Low Duration Fund- Wholesale Daily Dividend has delivered a CAGR of 0.37% — -3.28 pp behind the Low Duration Fund category average of 3.65%. The fund ranks #25 of 43 in its category — the third (Q3) quartile.

Over the trailing 5-year window, HDFC Low Duration Fund- Wholesale Daily Dividend has delivered a CAGR of 0.25% — -3.23 pp behind the Low Duration Fund category average of 3.48%. The fund ranks #25 of 39 in its category — the third (Q3) quartile.

₹1 lakh invested in HDFC Low Duration Fund- Wholesale Daily Dividend exactly 10 years ago would be worth approximately ₹101,255 today — a multiplier of 1.01×, based on the 10-year CAGR of 0.12%. The category average over the same window would have grown ₹1 lakh to ₹134,856.

A ₹10,000 monthly SIP in HDFC Low Duration Fund- Wholesale Daily Dividend over the last 5 years — total invested ₹600,000 — would be worth ₹603,464 today. That's an XIRR (money-weighted annualised return) of 0.23%.

A ₹10,000 monthly SIP for 10 years in HDFC Low Duration Fund- Wholesale Daily Dividend = ₹1,200,000 invested. It would currently be worth ₹1,211,014 (multiplier 1.01×). XIRR: 0.18%. Long-horizon SIP results matter more than point-to-point returns because they smooth out entry timing.

On a 5-year basis, HDFC Low Duration Fund- Wholesale Daily Dividend ranks #25 out of 39 funds in the Low Duration Fund category — that places it in the third quartile (Q3) — below the median. The category average return over the same window is 3.48%; this fund delivered 0.25%.

The worst peak-to-trough decline HDFC Low Duration Fund- Wholesale Daily Dividend has experienced over the last 5-year window is 1.12% — its NAV fell from a high on 13 Jul 2018 to a low on 26 Sep 2018. 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 Low Duration Fund- Wholesale Daily Dividend averaged 0.10% (best 0.45%, worst -0.04%). 58% of rolling windows ended positive. The 5-year Sharpe ratio is -10.30 — negative risk-adjusted performance.

In calendar year 2018, HDFC Low Duration Fund- Wholesale Daily Dividend returned 0.00% — lagging the Low Duration Fund category average of 2.90% by 2.90 pp. It ranked #27 of 37 in its category that year.

HDFC Low Duration Fund- Wholesale Daily Dividend 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 Low Duration Fund- Wholesale Daily Dividend 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. Worst 5-year drawdown: 1.1%. 5-year CAGR: 0.25%.

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