Should I invest in HDFC Multiple Yield Fund - Plan 2005?

We don't give personal investment advice. HDFC Multiple Yield Fund - Plan 2005-Dividend is suitable for an investor whose:horizon is 3-5 years — too short for pure equity, too long for pure debtwants a single fund that automatically rebalances between equity and debtis comfortable trading some upside for lower volatility vs a pure equity fundCross-check the numbers above against alternatives before deciding. Worst 5-year drawdown: 15.7%. 5-year CAGR: 2.70%.

HDFC

HDFC Multiple Yield Fund - Plan 2005-Dividend

Latest NAV

₹17.0000

As of

17 Jul 2026

4,946 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	+0.41%	+0.17%	+0.23	1 / 10	Q1
1W	+0.01%	-0.10%	+0.12	3 / 10	Q2
2W	-0.11%	-0.37%	+0.26	4 / 10	Q2
1M	+0.54%	+0.51%	+0.03	4 / 10	Q2
3M	-0.22%	+1.26%	-1.49	7 / 10	Q3
6M	-6.68%	+0.32%	-7.00	10 / 10	Q4
YTD	-6.70%	+1.47%	-8.17	10 / 10	Q4
1Y	-1.22%	+10.25%	-11.47	10 / 10	Q4
2Y	-0.94%	+8.44%	-9.37	9 / 9	Q4
3Y	+3.98%	+15.41%	-11.43	9 / 9	Q4
4Y	+4.56%	+15.80%	-11.24	9 / 9	Q4
5Y	+2.70%	+13.10%	-10.40	9 / 9	Q4
7Y	+5.88%	+15.01%	-9.13	8 / 8	Q4
10Y	+3.91%	+11.33%	-7.42	8 / 8	Q4
Inception	+2.36%	+9.05%	-6.69	10 / 10	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
2026 YTD	-6.70%	+1.47%	-8.17	10 / 10
2025	+4.62%	+15.81%	-11.19	9 / 9
2024	+5.02%	+15.20%	-10.17	9 / 9
2023	+7.84%	+21.04%	-13.21	9 / 9
2022	-4.13%	+5.98%	-10.11	9 / 9
2021	+9.88%	+22.72%	-12.85	9 / 9
2020	+20.68%	+18.85%	+1.83	3 / 8
2019	+8.79%	+7.96%	+0.83	4 / 8
2018	-10.77%	-1.76%	-9.01	8 / 8
2017	+1.75%	+4.89%	-3.14	6 / 8
2016	-0.39%	+6.15%	-6.54	8 / 8

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

+3.08%

236 windows

min -13.5% · max 34.1%

56% positive

3-Year rolling

+2.94%

211 windows

min -4.4% · max 14.5%

77% positive

5-Year rolling

+2.73%

187 windows

min -3.1% · max 11.4%

90% positive

7-Year rolling

+2.49%

163 windows

min -1.2% · max 8.1%

93% 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

10.50%

3-year · annualised

Sharpe ratio

-0.19

vs risk-free 6.5%

Sortino ratio

-0.23

Downside-only deviation

Max drawdown

-13.96%

Jan 2026 → Mar 2026

% 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 Multi Asset Allocation Fund

Scheme	Fund house	NAV	As of
HDFC Multiple Yield Fund - Plan 2005-Growth	HDFC	₹74.6960	17 Jul 2026
NIPPON INDIA MULTI ASSET ALLOCATION FUND - IDCW Option	Nippon India	₹23.5847	17 Jul 2026
SBI Magnum Monthly Income Plan-Floater-Dividend-(Annual)	SBI	₹37.7370	17 Jul 2026
Franklin India Multi Asset Allocation Fund- IDCW	Franklin India	₹10.9018	17 Jul 2026
Escorts Gilt Plan-DIVIDEND OPTION	Escorts	₹156.0933	17 Jul 2026

Recent NAVs

Date	NAV
17 Jul 2026	₹17.0000
16 Jul 2026	₹16.9310
15 Jul 2026	₹16.9450
14 Jul 2026	₹16.9110
13 Jul 2026	₹16.9880
10 Jul 2026	₹16.9980
9 Jul 2026	₹16.8930
8 Jul 2026	₹16.8210
7 Jul 2026	₹17.0680
6 Jul 2026	₹17.0700

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 17 Jul 2026, the NAV of HDFC Multiple Yield Fund - Plan 2005-Dividend is ₹17.0000. It's a Multi Asset Allocation Fund from HDFC, run as a Unknown plan IDCW (dividend) option. NAVs update once per business day from the AMFI feed.

HDFC Multiple Yield Fund - Plan 2005-Dividend has NAV history starting from 03 Apr 2006, a track record of about 20 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 Multiple Yield Fund - Plan 2005-Dividend is managed by HDFC. It's classified by AMFI under the 'Multi Asset Allocation Fund' SEBI category, which determines its peer set and tax treatment.

Over the trailing 1-year window, HDFC Multiple Yield Fund - Plan 2005-Dividend has delivered a absolute return of -1.22% — -11.47 pp behind the Multi Asset Allocation Fund category average of 10.25%. The fund ranks #10 of 10 in its category — the bottom (Q4) quartile.

Over the trailing 3-year window, HDFC Multiple Yield Fund - Plan 2005-Dividend has delivered a CAGR of 3.98% — -11.43 pp behind the Multi Asset Allocation Fund category average of 15.41%. The fund ranks #9 of 9 in its category — the bottom (Q4) quartile.

Over the trailing 5-year window, HDFC Multiple Yield Fund - Plan 2005-Dividend has delivered a CAGR of 2.70% — -10.4 pp behind the Multi Asset Allocation Fund category average of 13.10%. The fund ranks #9 of 9 in its category — the bottom (Q4) quartile.

₹1 lakh invested in HDFC Multiple Yield Fund - Plan 2005-Dividend exactly 10 years ago would be worth approximately ₹146,712 today — a multiplier of 1.47×, based on the 10-year CAGR of 3.91%. The category average over the same window would have grown ₹1 lakh to ₹292,377.

A ₹10,000 monthly SIP in HDFC Multiple Yield Fund - Plan 2005-Dividend over the last 5 years — total invested ₹600,000 — would be worth ₹636,922 today. That's an XIRR (money-weighted annualised return) of 2.35%.

A ₹10,000 monthly SIP for 10 years in HDFC Multiple Yield Fund - Plan 2005-Dividend = ₹1,200,000 invested. It would currently be worth ₹1,500,371 (multiplier 1.25×). XIRR: 4.37%. Long-horizon SIP results matter more than point-to-point returns because they smooth out entry timing.

On a 5-year basis, HDFC Multiple Yield Fund - Plan 2005-Dividend ranks #9 out of 9 funds in the Multi Asset Allocation Fund category — that places it in the bottom quartile (Q4) — material underperformance. The category average return over the same window is 13.10%; this fund delivered 2.70%.

The worst peak-to-trough decline HDFC Multiple Yield Fund - Plan 2005-Dividend has experienced over the last 5-year window is 15.67% — its NAV fell from a high on 15 Nov 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 Multiple Yield Fund - Plan 2005-Dividend averaged 2.73% (best 11.44%, worst -3.14%). 90% of rolling windows ended positive. The 5-year Sharpe ratio is -0.29 — negative risk-adjusted performance.

In calendar year 2025, HDFC Multiple Yield Fund - Plan 2005-Dividend returned 4.62% — lagging the Multi Asset Allocation Fund category average of 15.81% by 11.19 pp. It ranked #9 of 9 in its category that year.

HDFC Multiple Yield Fund - Plan 2005-Dividend is a Hybrid scheme. Tax treatment follows its actual equity allocation as disclosed by the AMC: at least 65% equity behaves like an equity fund (12.5% LTCG over 12 months, 20% STCG); 35-65% equity often gets an equity-style treatment with a 24-month threshold; under 35% equity is taxed at slab rate like a debt fund. Check the AMC's latest factsheet for the current classification.

We don't give personal investment advice. HDFC Multiple Yield Fund - Plan 2005-Dividend is suitable for an investor whose:

horizon is 3-5 years — too short for pure equity, too long for pure debt
wants a single fund that automatically rebalances between equity and debt
is comfortable trading some upside for lower volatility vs a pure equity fund

Cross-check the numbers above against alternatives before deciding. Worst 5-year drawdown: 15.7%. 5-year CAGR: 2.70%.

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