Should I invest in HDFC Top 200 Fund?

We don't give personal investment advice. HDFC Top 200 Fund - Dividend 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: 31.3%. 5-year CAGR: 0.63%.

HDFC

HDFC Top 200 Fund - Dividend Option

Latest NAV

₹49.0300

As of

3 Jun 2026

4,963 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	+0.20%	+0.22%	-0.02	28 / 35	Q4
1W	-2.15%	-1.72%	-0.44	31 / 35	Q4
2W	-0.78%	-0.38%	-0.41	30 / 35	Q4
1M	-2.50%	-2.02%	-0.49	27 / 35	Q4
3M	-6.50%	-4.81%	-1.69	30 / 35	Q4
6M	-17.41%	-9.11%	-8.29	35 / 35	Q4
YTD	-18.01%	-9.27%	-8.74	35 / 35	Q4
1Y	-13.22%	-4.88%	-8.34	35 / 35	Q4
2Y	-10.21%	-0.83%	-9.38	35 / 35	Q4
3Y	+0.44%	+8.36%	-7.92	35 / 35	Q4
4Y	+1.56%	+9.26%	-7.70	33 / 34	Q4
5Y	+0.63%	+7.88%	-7.25	33 / 34	Q4
7Y	-0.45%	+8.83%	-9.28	34 / 34	Q4
10Y	+0.81%	+8.61%	-7.80	33 / 34	Q4
Inception	+1.42%	+8.24%	-6.82	34 / 35	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	-18.01%	-9.72%	-8.29	34 / 34
2025	-2.87%	+5.20%	-8.07	32 / 34
2024	+1.73%	+12.60%	-10.86	34 / 34
2023	+16.41%	+21.38%	-4.97	30 / 34
2022	-1.04%	+0.25%	-1.30	21 / 34
2021	+15.22%	+23.62%	-8.40	33 / 34
2020	-8.46%	+11.04%	-19.50	33 / 34
2019	-5.71%	+7.65%	-13.36	34 / 35
2018	-10.49%	-3.82%	-6.67	30 / 35
2017	+19.84%	+24.19%	-4.36	28 / 35
2016	-0.84%	+0.01%	-0.85	21 / 33

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

+4.67%

234 windows

min -53.0% · max 79.8%

51% positive

3-Year rolling

+2.64%

210 windows

min -18.3% · max 21.4%

70% positive

5-Year rolling

+2.11%

185 windows

min -11.7% · max 14.2%

64% positive

7-Year rolling

+1.67%

161 windows

min -4.1% · max 9.6%

83% 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

16.13%

3-year · annualised

Sharpe ratio

-0.29

vs risk-free 6.5%

Sortino ratio

-0.36

Downside-only deviation

Max drawdown

-31.35%

Sep 2024 → Mar 2026

% positive months

63.9%

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 Large Cap Fund

Scheme	Fund house	NAV	As of
HDFC Top 200 Fund - Growth Option	HDFC	₹1,070.6210	3 Jun 2026
SBI BLUE CHIP FUND-DIVIDEND	SBI	₹51.5053	3 Jun 2026
Franklin India Bluechip Fund-Dividend	Franklin Templeton	₹40.6142	2 Jun 2026
Mirae Asset India Opportunities Fund - Dividend Plan	Mirae Asset	₹27.3480	3 Jun 2026
Kotak Large Cap Fund - Growth	Kotak	₹542.4130	3 Jun 2026
Edelweiss Diversified Growth Equity (E.D.G.E) Fund -Plan A - Growth option	Edelweiss	₹79.7800	3 Jun 2026
HSBC Equity Fund - Dividend	HSBC	₹40.0004	3 Jun 2026
UTI - Master Share-Growth Option	UTI	₹254.1999	3 Jun 2026
PGIM India Large Cap Fund - Growth	PGIM India	₹317.4700	3 Jun 2026
Birla Sun Life Frontline Equity Fund-Plan A (Divivdend)	Birla Sun Life	₹36.8700	3 Jun 2026

Recent NAVs

Date	NAV
3 Jun 2026	₹49.0300
2 Jun 2026	₹48.9920
1 Jun 2026	₹48.8920
29 May 2026	₹49.5030
27 May 2026	₹50.2770
26 May 2026	₹50.0700
25 May 2026	₹50.3380
22 May 2026	₹49.6580
21 May 2026	₹49.5130
20 May 2026	₹49.5280

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 Top 200 Fund - Dividend Option is ₹49.0300. It's a Large Cap Fund from HDFC, run as a Unknown plan Growth option. NAVs update once per business day from the AMFI feed.

HDFC Top 200 Fund - Dividend Option has NAV history starting from 03 Apr 2006, a track record of about 20 years 2 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 Top 200 Fund - Dividend Option is managed by HDFC. It's classified by AMFI under the 'Large Cap Fund' SEBI category, which determines its peer set and tax treatment.

Over the trailing 1-year window, HDFC Top 200 Fund - Dividend Option has delivered a absolute return of -13.22% — -8.34 pp behind the Large Cap Fund category average of -4.88%. The fund ranks #35 of 35 in its category — the bottom (Q4) quartile.

Over the trailing 3-year window, HDFC Top 200 Fund - Dividend Option has delivered a CAGR of 0.44% — -7.92 pp behind the Large Cap Fund category average of 8.36%. The fund ranks #35 of 35 in its category — the bottom (Q4) quartile.

Over the trailing 5-year window, HDFC Top 200 Fund - Dividend Option has delivered a CAGR of 0.63% — -7.25 pp behind the Large Cap Fund category average of 7.88%. The fund ranks #33 of 34 in its category — the bottom (Q4) quartile.

₹1 lakh invested in HDFC Top 200 Fund - Dividend Option exactly 10 years ago would be worth approximately ₹108,433 today — a multiplier of 1.08×, based on the 10-year CAGR of 0.81%. The category average over the same window would have grown ₹1 lakh to ₹228,445.

A ₹10,000 monthly SIP in HDFC Top 200 Fund - Dividend Option over the last 5 years — total invested ₹600,000 — would be worth ₹549,316 today. That's an XIRR (money-weighted annualised return) of -3.46%.

A ₹10,000 monthly SIP for 10 years in HDFC Top 200 Fund - Dividend Option = ₹1,200,000 invested. It would currently be worth ₹1,177,798 (multiplier 0.98×). XIRR: -0.37%. Long-horizon SIP results matter more than point-to-point returns because they smooth out entry timing.

On a 5-year basis, HDFC Top 200 Fund - Dividend Option ranks #33 out of 34 funds in the Large Cap Fund category — that places it in the bottom quartile (Q4) — material underperformance. The category average return over the same window is 7.88%; this fund delivered 0.63%.

The worst peak-to-trough decline HDFC Top 200 Fund - Dividend Option has experienced over the last 5-year window is 31.35% — its NAV fell from a high on 26 Sep 2024 to a low on 31 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 Top 200 Fund - Dividend Option averaged 2.11% (best 14.19%, worst -11.66%). 64% of rolling windows ended positive. The 5-year Sharpe ratio is -0.29 — negative risk-adjusted performance.

In calendar year 2025, HDFC Top 200 Fund - Dividend Option returned -2.87% — lagging the Large Cap Fund category average of 5.20% by 8.07 pp. It ranked #32 of 34 in its category that year.

HDFC Top 200 Fund - Dividend 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 Top 200 Fund - Dividend 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: 31.3%. 5-year CAGR: 0.63%.

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