Should I invest in HDFC Small Cap Fund?

We don't give personal investment advice. HDFC Small Cap Fund - IDCW Option 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: 34.1%. 5-year CAGR: 4.07%.

HDFC

HDFC Small Cap Fund - IDCW Option

Latest NAV

₹40.6320

As of

17 Jul 2026

2,963 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	-0.10%	-0.42%	+0.32	1 / 4	Q1
1W	+0.15%	-0.23%	+0.38	1 / 4	Q1
2W	+1.12%	+0.17%	+0.96	1 / 4	Q1
1M	+2.47%	+3.18%	-0.70	3 / 4	Q3
3M	+4.92%	+10.66%	-5.74	4 / 4	Q4
6M	-6.40%	+9.51%	-15.91	4 / 4	Q4
YTD	-8.87%	+5.59%	-14.46	4 / 4	Q4
1Y	-12.25%	+1.03%	-13.28	4 / 4	Q4
2Y	-9.09%	-2.41%	-6.68	4 / 4	Q4
3Y	+2.12%	+12.66%	-10.54	4 / 4	Q4
4Y	+8.12%	+17.46%	-9.33	4 / 4	Q4
5Y	+4.07%	+12.95%	-8.88	4 / 4	Q4
7Y	+9.79%	+22.90%	-13.11	4 / 4	Q4
10Y	+7.13%	+15.55%	-8.43	4 / 4	Q4
Inception	+6.67%	+12.61%	-5.95	4 / 4	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	-8.87%	+5.59%	-14.46	4 / 4
2025	-11.11%	-7.59%	-3.52	3 / 4
2024	+9.29%	+16.81%	-7.52	4 / 4
2023	+31.24%	+39.33%	-8.09	4 / 4
2022	-6.16%	+3.79%	-9.95	4 / 4
2021	+49.15%	+73.65%	-24.49	4 / 4
2020	+19.23%	+48.87%	-29.64	4 / 4
2019	-19.48%	-17.40%	-2.08	2 / 4
2018	-17.22%	-9.04%	-8.18	3 / 4
2017	+46.17%	+28.75%	+17.43	2 / 4
2016	-6.94%	+2.11%	-9.05	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

+9.80%

135 windows

min -43.7% · max 92.1%

53% positive

3-Year rolling

+9.15%

111 windows

min -15.8% · max 32.9%

81% positive

5-Year rolling

+8.37%

87 windows

min -7.2% · max 24.6%

86% positive

7-Year rolling

+8.17%

62 windows

min 4.7% · max 11.9%

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

22.23%

3-year · annualised

Sharpe ratio

-0.09

vs risk-free 6.5%

Sortino ratio

-0.11

Downside-only deviation

Max drawdown

-34.12%

Dec 2024 → Mar 2026

% positive months

61.1%

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 Small Cap Fund

Scheme	Fund house	NAV	As of
HDFC Small Cap Fund - IDCW Option - Direct Plan	HDFC	₹64.9880	17 Jul 2026
NIPPON INDIA SMALL CAP FUND - Direct Plan - IDCW Option	Nippon India	₹108.2762	17 Jul 2026
SBI Small Cap Fund - Direct Plan - Income Distribution cum Capital Withdrawal Option (IDCW)	SBI	₹142.5935	17 Jul 2026
ICICI Prudential Smallcap Fund - Direct Plan - IDCW	ICICI Prudential	₹69.5500	17 Jul 2026
Invesco India Smallcap Fund - Direct Plan - IDCW (Payout / Reinvestment)	Invesco	₹39.1700	17 Jul 2026
BANDHAN SMALL CAP FUND - DIRECT PLAN IDCW	Bandhan	₹38.6450	17 Jul 2026
quant Small Cap Fund - IDCW Option - Direct Plan	Quant	₹245.0357	17 Jul 2026
Aditya Birla Sun Life Small Cap Fund -Direct - IDCW	Aditya Birla Sun Life	₹76.8382	17 Jul 2026
Motilal Oswal Small Cap Fund - Direct IDCW	Motilal Oswal	₹16.8394	17 Jul 2026
Franklin India Small Cap Fund - Direct - IDCW	Franklin India	₹52.9724	17 Jul 2026

Recent NAVs

Date	NAV
17 Jul 2026	₹40.6320
16 Jul 2026	₹40.6720
15 Jul 2026	₹40.5880
14 Jul 2026	₹40.4000
13 Jul 2026	₹40.7640
10 Jul 2026	₹40.5710
9 Jul 2026	₹39.8840
8 Jul 2026	₹39.3390
7 Jul 2026	₹40.0150
6 Jul 2026	₹40.2540

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 Small Cap Fund - IDCW Option is ₹40.6320. It's a Small Cap Fund from HDFC, run as a Unknown plan IDCW (dividend) option. NAVs update once per business day from the AMFI feed.

HDFC Small Cap Fund - IDCW Option has NAV history starting from 30 Jun 2014, a track record of about 12 years. 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 Small Cap Fund - IDCW Option is managed by HDFC. It's classified by AMFI under the 'Small Cap Fund' SEBI category, which determines its peer set and tax treatment.

Over the trailing 1-year window, HDFC Small Cap Fund - IDCW Option has delivered a absolute return of -12.25% — -13.28 pp behind the Small Cap Fund category average of 1.03%. The fund ranks #4 of 4 in its category — the bottom (Q4) quartile.

Over the trailing 3-year window, HDFC Small Cap Fund - IDCW Option has delivered a CAGR of 2.12% — -10.54 pp behind the Small Cap Fund category average of 12.66%. The fund ranks #4 of 4 in its category — the bottom (Q4) quartile.

Over the trailing 5-year window, HDFC Small Cap Fund - IDCW Option has delivered a CAGR of 4.07% — -8.88 pp behind the Small Cap Fund category average of 12.95%. The fund ranks #4 of 4 in its category — the bottom (Q4) quartile.

₹1 lakh invested in HDFC Small Cap Fund - IDCW Option exactly 10 years ago would be worth approximately ₹199,059 today — a multiplier of 1.99×, based on the 10-year CAGR of 7.13%. The category average over the same window would have grown ₹1 lakh to ₹424,469.

A ₹10,000 monthly SIP in HDFC Small Cap Fund - IDCW Option over the last 5 years — total invested ₹600,000 — would be worth ₹629,874 today. That's an XIRR (money-weighted annualised return) of 1.92%.

A ₹10,000 monthly SIP for 10 years in HDFC Small Cap Fund - IDCW Option = ₹1,200,000 invested. It would currently be worth ₹1,706,797 (multiplier 1.42×). XIRR: 6.85%. Long-horizon SIP results matter more than point-to-point returns because they smooth out entry timing.

On a 5-year basis, HDFC Small Cap Fund - IDCW Option ranks #4 out of 4 funds in the Small Cap Fund category — that places it in the bottom quartile (Q4) — material underperformance. The category average return over the same window is 12.95%; this fund delivered 4.07%.

The worst peak-to-trough decline HDFC Small Cap Fund - IDCW Option has experienced over the last 5-year window is 34.12% — its NAV fell from a high on 11 Dec 2024 to a low on 30 Mar 2026. 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 Small Cap Fund - IDCW Option averaged 8.37% (best 24.63%, worst -7.21%). 86% of rolling windows ended positive. The 5-year Sharpe ratio is -0.01 — negative risk-adjusted performance.

In calendar year 2025, HDFC Small Cap Fund - IDCW Option returned -11.11% — lagging the Small Cap Fund category average of -7.59% by 3.52 pp. It ranked #3 of 4 in its category that year.

HDFC Small Cap Fund - IDCW Option 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 Small Cap Fund - IDCW Option 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: 34.1%. 5-year CAGR: 4.07%.

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