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: 1.78%.

HDFC

HDFC Top 200 Fund - Dividend Option

Latest NAV

₹52.1620

As of

17 Jul 2026

4,994 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	+0.60%	+0.70%	-0.10	26 / 35	Q3
1W	+0.18%	+0.36%	-0.18	25 / 35	Q3
2W	+0.38%	+0.42%	-0.04	21 / 35	Q3
1M	+2.73%	+1.48%	+1.25	3 / 35	Q1
3M	+2.49%	+1.06%	+1.43	7 / 35	Q1
6M	-11.95%	-3.79%	-8.16	34 / 35	Q4
YTD	-12.70%	-5.15%	-7.55	34 / 35	Q4
1Y	-9.58%	-2.74%	-6.84	34 / 35	Q4
2Y	-9.40%	-1.60%	-7.80	35 / 35	Q4
3Y	+0.44%	+7.90%	-7.45	34 / 35	Q4
4Y	+3.44%	+10.56%	-7.12	32 / 34	Q4
5Y	+1.78%	+8.42%	-6.64	33 / 34	Q4
7Y	+1.16%	+10.25%	-9.09	34 / 34	Q4
10Y	+0.80%	+8.69%	-7.89	33 / 34	Q4
Inception	+1.73%	+8.44%	-6.72	33 / 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	-12.70%	-5.48%	-7.22	33 / 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

+4.66%

236 windows

min -53.3% · max 97.7%

52% positive

3-Year rolling

+2.86%

211 windows

min -17.2% · max 22.5%

71% positive

5-Year rolling

+2.13%

187 windows

min -10.2% · max 14.8%

65% positive

7-Year rolling

+1.71%

163 windows

min -4.5% · max 9.3%

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

15.39%

3-year · annualised

Sharpe ratio

-0.31

vs risk-free 6.5%

Sortino ratio

-0.40

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	₹1,139.0040	17 Jul 2026
SBI BLUE CHIP FUND-DIVIDEND	SBI	₹53.6607	17 Jul 2026
Franklin India Bluechip Fund-Dividend	Franklin Templeton	₹42.7106	17 Jul 2026
Mirae Asset India Opportunities Fund - Dividend Plan	Mirae Asset	₹28.9130	17 Jul 2026
Kotak Large Cap Fund - Growth	Kotak	₹569.5770	17 Jul 2026
Edelweiss Diversified Growth Equity (E.D.G.E) Fund -Plan A - Growth option	Edelweiss	₹83.3100	17 Jul 2026
HSBC Equity Fund - Dividend	HSBC	₹42.0344	17 Jul 2026
UTI - Master Share-Growth Option	UTI	₹266.1697	17 Jul 2026
PGIM India Large Cap Fund - Growth	PGIM India	₹332.7000	17 Jul 2026
Birla Sun Life Frontline Equity Fund-Plan A (Divivdend)	Birla Sun Life	₹38.6800	17 Jul 2026

Recent NAVs

Date	NAV
17 Jul 2026	₹52.1620
16 Jul 2026	₹51.8520
15 Jul 2026	₹51.9300
14 Jul 2026	₹51.7340
13 Jul 2026	₹52.0780
10 Jul 2026	₹52.0690
9 Jul 2026	₹51.6820
8 Jul 2026	₹51.3000
7 Jul 2026	₹52.3220
6 Jul 2026	₹52.2600

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 Top 200 Fund - Dividend Option is ₹52.1620. 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 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 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 -9.58% — -6.84 pp behind the Large Cap Fund category average of -2.74%. The fund ranks #34 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% — -7.45 pp behind the Large Cap Fund category average of 7.90%. The fund ranks #34 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 1.78% — -6.64 pp behind the Large Cap Fund category average of 8.42%. 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 ₹108,290 today — a multiplier of 1.08×, based on the 10-year CAGR of 0.80%. The category average over the same window would have grown ₹1 lakh to ₹230,064.

A ₹10,000 monthly SIP in HDFC Top 200 Fund - Dividend Option over the last 5 years — total invested ₹600,000 — would be worth ₹584,079 today. That's an XIRR (money-weighted annualised return) of -1.06%.

A ₹10,000 monthly SIP for 10 years in HDFC Top 200 Fund - Dividend Option = ₹1,200,000 invested. It would currently be worth ₹1,257,319 (multiplier 1.05×). XIRR: 0.92%. 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 8.42%; this fund delivered 1.78%.

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 2.13% (best 14.80%, worst -10.22%). 65% of rolling windows ended positive. The 5-year Sharpe ratio is -0.19 — 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: 1.78%.

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