Should I invest in HDFC Mid Cap Fund?

We don't give personal investment advice. HDFC Mid Cap Fund - IDCW 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: 25.5%. 5-year CAGR: 7.95%.

HDFC

HDFC Mid Cap Fund - IDCW Plan

Latest NAV

₹51.4680

As of

24 Jul 2026

4,687 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	+0.18%	-0.02%	+0.20	7 / 27	Q2
1W	-0.86%	-1.13%	+0.27	5 / 27	Q1
2W	-2.02%	-1.54%	-0.48	17 / 27	Q3
1M	-0.30%	-0.61%	+0.31	12 / 27	Q2
3M	+4.10%	+3.93%	+0.17	12 / 27	Q2
6M	-5.03%	+7.69%	-12.72	27 / 27	Q4
YTD	-8.33%	+1.25%	-9.57	26 / 27	Q4
1Y	-5.14%	+1.15%	-6.29	26 / 27	Q4
2Y	-4.66%	+1.20%	-5.87	24 / 27	Q4
3Y	+7.54%	+14.78%	-7.24	26 / 27	Q4
4Y	+10.82%	+16.26%	-5.44	24 / 27	Q4
5Y	+7.95%	+13.66%	-5.71	24 / 27	Q4
7Y	+10.55%	+17.91%	-7.35	24 / 27	Q4
10Y	+6.34%	+12.82%	-6.48	24 / 27	Q4
Inception	+8.92%	+11.00%	-2.08	19 / 27	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	-8.33%	+1.25%	-9.57	26 / 27
2025	-3.51%	+0.65%	-4.16	22 / 27
2024	+16.22%	+23.63%	-7.41	22 / 27
2023	+30.10%	+35.07%	-4.97	24 / 27
2022	+1.18%	+2.50%	-1.31	15 / 27
2021	+25.78%	+38.76%	-12.98	26 / 27
2020	+9.09%	+20.23%	-11.14	24 / 27
2019	-9.65%	-0.75%	-8.89	26 / 27
2018	-18.80%	-14.09%	-4.71	20 / 27
2017	+31.21%	+36.02%	-4.81	20 / 27
2016	+4.02%	+0.99%	+3.03	8 / 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

+12.79%

220 windows

min -51.6% · max 135.0%

60% positive

3-Year rolling

+11.58%

196 windows

min -16.0% · max 40.6%

86% positive

5-Year rolling

+10.30%

172 windows

min -7.2% · max 25.7%

94% positive

7-Year rolling

+9.69%

147 windows

min 2.3% · max 24.2%

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

16.56%

3-year · annualised

Sharpe ratio

0.14

vs risk-free 6.5%

Sortino ratio

0.18

Downside-only deviation

Max drawdown

-24.97%

Sep 2024 → Mar 2025

% positive months

66.7%

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
HDFC Mid Cap Fund - Growth Plan	HDFC	₹205.1410	24 Jul 2026
SBI MIDCAP FUND - REGULAR PLAN - GROWTH	SBI	₹241.7656	24 Jul 2026
ICICI Prudential MidCap Fund - Growth	ICICI Prudential	₹331.1600	24 Jul 2026
Franklin India Mid Cap Fund - IDCW	Franklin Templeton	₹85.4545	24 Jul 2026
Kotak Midcap Fund - Regular Plan - Growth	Kotak Mahindra	₹143.7810	24 Jul 2026
UTI Mid Cap Fund - Regular Plan - IDCW	UTI	₹144.2427	24 Jul 2026
Aditya Birla Sun Life Midcap Fund -REGULAR - IDCW	Birla Sun Life	₹57.8700	24 Jul 2026
Invesco India Midcap Fund - Regular Plan - Growth Option	Religare	₹194.5800	24 Jul 2026
NIPPON INDIA GROWTH MID CAP FUND - IDCW Option	Reliance	₹119.1847	24 Jul 2026
quant Mid Cap Fund - Growth Option - Regular Plan	Escorts	₹219.8673	24 Jul 2026

Recent NAVs

Date	NAV
24 Jul 2026	₹51.4680
23 Jul 2026	₹51.3730
22 Jul 2026	₹51.7600
21 Jul 2026	₹52.2860
20 Jul 2026	₹51.9860
17 Jul 2026	₹51.9160
16 Jul 2026	₹51.9870
15 Jul 2026	₹52.2010
14 Jul 2026	₹52.0840
13 Jul 2026	₹52.4380

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 24 Jul 2026, the NAV of HDFC Mid Cap Fund - IDCW Plan is ₹51.4680. It's a Mid Cap Fund from HDFC, run as a Unknown plan Growth option. NAVs update once per business day from the AMFI feed.

HDFC Mid Cap Fund - IDCW Plan has NAV history starting from 05 Jul 2007, a track record of about 19 years. 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 Mid Cap Fund - IDCW 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 Plan has delivered a absolute return of -5.14% — -6.29 pp behind the Mid Cap Fund category average of 1.15%. The fund ranks #26 of 27 in its category — the bottom (Q4) quartile.

Over the trailing 3-year window, HDFC Mid Cap Fund - IDCW Plan has delivered a CAGR of 7.54% — -7.24 pp behind the Mid Cap Fund category average of 14.78%. The fund ranks #26 of 27 in its category — the bottom (Q4) quartile.

Over the trailing 5-year window, HDFC Mid Cap Fund - IDCW Plan has delivered a CAGR of 7.95% — -5.71 pp behind the Mid Cap Fund category average of 13.66%. The fund ranks #24 of 27 in its category — the bottom (Q4) quartile.

₹1 lakh invested in HDFC Mid Cap Fund - IDCW Plan exactly 10 years ago would be worth approximately ₹184,885 today — a multiplier of 1.85×, based on the 10-year CAGR of 6.34%. The category average over the same window would have grown ₹1 lakh to ₹334,174.

A ₹10,000 monthly SIP in HDFC Mid Cap Fund - IDCW Plan over the last 5 years — total invested ₹600,000 — would be worth ₹713,039 today. That's an XIRR (money-weighted annualised return) of 6.84%.

A ₹10,000 monthly SIP for 10 years in HDFC Mid Cap Fund - IDCW Plan = ₹1,200,000 invested. It would currently be worth ₹1,804,224 (multiplier 1.50×). XIRR: 7.91%. 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 Plan ranks #24 out of 27 funds in the Mid Cap Fund category — that places it in the bottom quartile (Q4) — material underperformance. The category average return over the same window is 13.66%; this fund delivered 7.95%.

The worst peak-to-trough decline HDFC Mid Cap Fund - IDCW Plan has experienced over the last 5-year window is 25.52% — 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 Plan averaged 10.30% (best 25.69%, worst -7.21%). 94% of rolling windows ended positive. The 5-year Sharpe ratio is 0.16 — weak risk-adjusted performance.

In calendar year 2025, HDFC Mid Cap Fund - IDCW Plan returned -3.51% — lagging the Mid Cap Fund category average of 0.65% by 4.16 pp. It ranked #22 of 27 in its category that year.

HDFC Mid Cap Fund - IDCW 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 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: 25.5%. 5-year CAGR: 7.95%.

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