Should I invest in HDFC Mid Cap Fund?

We don't give personal investment advice. HDFC Mid Cap Fund - 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: 23.2%. 5-year CAGR: 12.40%.

HDFC

HDFC Mid Cap Fund - IDCW Option - Direct Plan

Latest NAV

₹77.7900

As of

3 Jun 2026

3,301 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	+0.36%	+0.14%	+0.22	8 / 31	Q2
1W	-1.55%	-1.87%	+0.32	9 / 31	Q2
2W	-0.06%	-0.11%	+0.05	14 / 31	Q2
1M	+0.52%	+0.51%	+0.01	14 / 31	Q2
3M	-0.23%	+3.44%	-3.67	27 / 31	Q4
6M	-8.51%	-2.01%	-6.50	27 / 30	Q4
YTD	-8.16%	-1.58%	-6.57	27 / 30	Q4
1Y	-0.71%	+2.35%	-3.06	22 / 29	Q4
2Y	+1.32%	+3.03%	-1.71	19 / 28	Q3
3Y	+14.24%	+16.24%	-2.00	19 / 28	Q3
4Y	+15.55%	+15.16%	+0.40	12 / 22	Q3
5Y	+12.40%	+13.25%	-0.85	14 / 21	Q3
7Y	+12.31%	+14.99%	-2.68	13 / 19	Q3
10Y	+10.30%	+11.74%	-1.45	10 / 16	Q3
Inception	+12.00%	+14.53%	-2.54	22 / 31	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
2026 YTD	-8.16%	-1.58%	-6.57	27 / 30
2025	+0.33%	-0.94%	+1.27	12 / 28
2024	+20.47%	+26.10%	-5.63	22 / 28
2023	+34.57%	+33.37%	+1.20	12 / 27
2022	+4.56%	-0.01%	+4.57	4 / 21
2021	+29.41%	+39.11%	-9.70	16 / 20
2020	+12.30%	+21.28%	-8.99	14 / 19
2019	-7.29%	-0.12%	-7.17	17 / 18
2018	-16.71%	-14.35%	-2.36	10 / 17
2017	+33.87%	+34.26%	-0.39	8 / 17
2016	+5.79%	-0.52%	+6.32	3 / 16

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

+17.23%

152 windows

min -38.3% · max 102.6%

73% positive

3-Year rolling

+12.86%

128 windows

min -15.7% · max 35.7%

84% positive

5-Year rolling

+11.14%

103 windows

min -6.2% · max 25.0%

94% positive

7-Year rolling

+9.80%

79 windows

min 4.8% · max 13.7%

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

17.07%

3-year · annualised

Sharpe ratio

0.49

vs risk-free 6.5%

Sortino ratio

0.70

Downside-only deviation

Max drawdown

-22.28%

Dec 2024 → Mar 2025

% positive months

75.0%

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 Mid Cap Fund

Scheme	Fund house	NAV	As of
SBI Midcap Fund - Direct Plan - Income Distribution cum Capital Withdrawal Option (IDCW)	SBI	₹148.2267	3 Jun 2026
ICICI Prudential MidCap Fund - Direct Plan - IDCW	ICICI Prudential	₹69.4100	3 Jun 2026
Invesco India Midcap Fund - Direct Plan - IDCW (Payout / Reinvestment)	Invesco	₹76.9100	3 Jun 2026
BANDHAN MIDCAP FUND - IDCW - DIRECT PLAN	Bandhan	₹18.8330	3 Jun 2026
quant Mid Cap Fund - IDCW Option - Direct Plan	Quant	₹86.2856	3 Jun 2026
Aditya Birla Sun Life Midcap Fund -DIRECT - IDCW	Aditya Birla Sun Life	₹95.7500	3 Jun 2026
Motilal Oswal Midcap Fund-Direct - IDCW Payout/Reinvestment	Motilal Oswal	₹42.4667	3 Jun 2026
Franklin India Mid Cap Fund - Direct - IDCW	Franklin India	₹108.9957	3 Jun 2026
Mirae Asset Midcap Fund Direct IDCW	Mirae Asset	₹26.9280	3 Jun 2026
Kotak Midcap Fund - Direct Plan - IDCW - Payout & Re-investment of Income Distribution cum capital withdrawal option	Kotak	₹96.0410	3 Jun 2026

Recent NAVs

Date	NAV
3 Jun 2026	₹77.7900
2 Jun 2026	₹78.0020
1 Jun 2026	₹77.7210
29 May 2026	₹78.5880
27 May 2026	₹79.3910
26 May 2026	₹79.2310
25 May 2026	₹78.9630
22 May 2026	₹78.2450
21 May 2026	₹78.3080
20 May 2026	₹78.2570

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 03 Jun 2026, the NAV of HDFC Mid Cap Fund - IDCW Option - Direct Plan is ₹77.7900. It's a Mid Cap Fund from HDFC, run as a Direct plan IDCW (dividend) option. NAVs update once per business day from the AMFI feed.

HDFC Mid Cap Fund - 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 Mid Cap Fund - IDCW Option - Direct Plan is managed by HDFC. It's classified by AMFI under the 'Mid Cap Fund' SEBI category, which determines its peer set and tax treatment.

Over the trailing 1-year window, HDFC Mid Cap Fund - IDCW Option - Direct Plan has delivered a absolute return of -0.71% — -3.06 pp behind the Mid Cap Fund category average of 2.35%. The fund ranks #22 of 29 in its category — the bottom (Q4) quartile.

Over the trailing 3-year window, HDFC Mid Cap Fund - IDCW Option - Direct Plan has delivered a CAGR of 14.24% — -2 pp behind the Mid Cap Fund category average of 16.24%. The fund ranks #19 of 28 in its category — the third (Q3) quartile.

Over the trailing 5-year window, HDFC Mid Cap Fund - IDCW Option - Direct Plan has delivered a CAGR of 12.40% — -0.85 pp behind the Mid Cap Fund category average of 13.25%. The fund ranks #14 of 21 in its category — the third (Q3) quartile.

₹1 lakh invested in HDFC Mid Cap Fund - IDCW Option - Direct Plan exactly 10 years ago would be worth approximately ₹266,446 today — a multiplier of 2.66×, based on the 10-year CAGR of 10.30%. The category average over the same window would have grown ₹1 lakh to ₹303,545.

A ₹10,000 monthly SIP in HDFC Mid Cap Fund - IDCW Option - Direct Plan over the last 5 years — total invested ₹600,000 — would be worth ₹773,625 today. That's an XIRR (money-weighted annualised return) of 10.10%.

A ₹10,000 monthly SIP for 10 years in HDFC Mid Cap Fund - IDCW Option - Direct Plan = ₹1,200,000 invested. It would currently be worth ₹2,133,088 (multiplier 1.78×). XIRR: 11.07%. Long-horizon SIP results matter more than point-to-point returns because they smooth out entry timing.

On a 5-year basis, HDFC Mid Cap Fund - IDCW Option - Direct Plan ranks #14 out of 21 funds in the Mid Cap Fund category — that places it in the third quartile (Q3) — below the median. The category average return over the same window is 13.25%; this fund delivered 12.40%.

The worst peak-to-trough decline HDFC Mid Cap Fund - IDCW Option - Direct Plan has experienced over the last 5-year window is 23.22% — its NAV fell from a high on 18 Oct 2021 to a low on 20 Jun 2022. 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 Mid Cap Fund - IDCW Option - Direct Plan averaged 11.14% (best 24.96%, worst -6.21%). 94% of rolling windows ended positive. The 5-year Sharpe ratio is 0.40 — weak risk-adjusted performance.

In calendar year 2025, HDFC Mid Cap Fund - IDCW Option - Direct Plan returned 0.33% — beating the Mid Cap Fund category average of -0.94% by 1.27 pp. It ranked #12 of 28 in its category that year.

HDFC Mid Cap Fund - 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 Mid Cap Fund - 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: 23.2%. 5-year CAGR: 12.40%.

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