Should I invest in HDFC Value Fund?

We don't give personal investment advice. HDFC Value 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: 27.2%. 5-year CAGR: 6.18%.

HDFC

HDFC Value Fund - IDCW Plan

Latest NAV

₹35.8990

As of

24 Jul 2026

4,999 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	-0.01%	-0.18%	+0.16	3 / 16	Q1
1W	-1.44%	-1.93%	+0.49	3 / 16	Q1
2W	-1.68%	-1.96%	+0.28	6 / 16	Q2
1M	+0.03%	-1.35%	+1.38	2 / 16	Q1
3M	+3.63%	+0.96%	+2.67	1 / 16	Q1
6M	+4.03%	-2.25%	+6.28	1 / 16	Q1
YTD	-0.21%	-6.61%	+6.40	1 / 16	Q1
1Y	+3.17%	-4.70%	+7.87	2 / 16	Q1
2Y	-0.81%	-3.11%	+2.30	5 / 16	Q2
3Y	+9.17%	+9.78%	-0.61	12 / 16	Q3
4Y	+9.62%	+12.64%	-3.02	13 / 16	Q4
5Y	+6.18%	+10.86%	-4.68	13 / 16	Q4
7Y	+6.12%	+13.35%	-7.23	15 / 16	Q4
10Y	+3.14%	+10.45%	-7.31	15 / 16	Q4
Inception	+1.87%	+9.62%	-7.74	16 / 16	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	-0.21%	-6.61%	+6.40	1 / 16
2025	-0.81%	+3.06%	-3.86	12 / 16
2024	+10.77%	+17.61%	-6.84	13 / 16
2023	+18.14%	+29.56%	-11.42	15 / 16
2022	-7.18%	+5.08%	-12.26	16 / 16
2021	+21.28%	+32.61%	-11.33	13 / 16
2020	-1.49%	+11.98%	-13.47	16 / 16
2019	-11.98%	-0.12%	-11.86	15 / 16
2018	-15.33%	-9.17%	-6.16	13 / 16
2017	+26.59%	+32.01%	-5.43	9 / 16
2016	-8.76%	+3.68%	-12.43	15 / 16

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

+4.87%

236 windows

min -60.1% · max 101.4%

54% positive

3-Year rolling

+2.63%

211 windows

min -18.3% · max 23.5%

62% positive

5-Year rolling

+2.06%

187 windows

min -12.0% · max 17.0%

59% positive

7-Year rolling

+1.58%

163 windows

min -4.4% · max 10.3%

78% 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

14.97%

3-year · annualised

Sharpe ratio

0.24

vs risk-free 6.5%

Sortino ratio

0.33

Downside-only deviation

Max drawdown

-25.25%

Sep 2024 → Feb 2025

% positive months

69.4%

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 Value Fund

Scheme	Fund house	NAV	As of
HDFC Value Fund - Growth Plan	HDFC	₹770.9260	24 Jul 2026
ICICI Prudential Value Fund (erstwhile Value Discovery Fund) - Growth	ICICI Prudential	₹456.8300	24 Jul 2026
Quantum Value Fund - Direct Plan Growth Option	Quantum	₹124.6300	24 Jul 2026
Templeton India Value Fund - Growth Plan	Franklin Templeton	₹682.6307	24 Jul 2026
UTI Value Fund - Regular Plan - Growth Option	UTI	₹164.1744	24 Jul 2026
Bandhan Value Fund - Regular Plan - Growth	IDFC	₹144.9740	24 Jul 2026
JM Value Fund (Regular) - Growth Option	JM Financial	₹91.8999	24 Jul 2026
Tata Value Fund - Regular Plan -Growth Option	Tata	₹343.9942	24 Jul 2026

Recent NAVs

Date	NAV
24 Jul 2026	₹35.8990
23 Jul 2026	₹35.9040
22 Jul 2026	₹36.1220
21 Jul 2026	₹36.4920
20 Jul 2026	₹36.3570
17 Jul 2026	₹36.4230
16 Jul 2026	₹36.3220
15 Jul 2026	₹36.3810
14 Jul 2026	₹36.2090
13 Jul 2026	₹36.4830

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 Value Fund - IDCW Plan is ₹35.8990. It's a Value Fund from HDFC, run as a Unknown plan Growth option. NAVs update once per business day from the AMFI feed.

HDFC Value Fund - IDCW Plan 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 Value Fund - IDCW Plan is managed by HDFC. It's classified by AMFI under the 'Value Fund' SEBI category, which determines its peer set and tax treatment.

Over the trailing 1-year window, HDFC Value Fund - IDCW Plan has delivered a absolute return of 3.17% — +7.87 pp ahead of the Value Fund category average of -4.70%. The fund ranks #2 of 16 in its category — the top (Q1) quartile.

Over the trailing 3-year window, HDFC Value Fund - IDCW Plan has delivered a CAGR of 9.17% — -0.61 pp behind the Value Fund category average of 9.78%. The fund ranks #12 of 16 in its category — the third (Q3) quartile.

Over the trailing 5-year window, HDFC Value Fund - IDCW Plan has delivered a CAGR of 6.18% — -4.68 pp behind the Value Fund category average of 10.86%. The fund ranks #13 of 16 in its category — the bottom (Q4) quartile.

₹1 lakh invested in HDFC Value Fund - IDCW Plan exactly 10 years ago would be worth approximately ₹136,270 today — a multiplier of 1.36×, based on the 10-year CAGR of 3.14%. The category average over the same window would have grown ₹1 lakh to ₹270,256.

A ₹10,000 monthly SIP in HDFC Value Fund - IDCW Plan over the last 5 years — total invested ₹600,000 — would be worth ₹717,920 today. That's an XIRR (money-weighted annualised return) of 7.11%.

A ₹10,000 monthly SIP for 10 years in HDFC Value Fund - IDCW Plan = ₹1,200,000 invested. It would currently be worth ₹1,593,079 (multiplier 1.33×). XIRR: 5.53%. Long-horizon SIP results matter more than point-to-point returns because they smooth out entry timing.

On a 5-year basis, HDFC Value Fund - IDCW Plan ranks #13 out of 16 funds in the Value Fund category — that places it in the bottom quartile (Q4) — material underperformance. The category average return over the same window is 10.86%; this fund delivered 6.18%.

The worst peak-to-trough decline HDFC Value Fund - IDCW Plan has experienced over the last 5-year window is 27.17% — its NAV fell from a high on 17 Jan 2022 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 Value Fund - IDCW Plan averaged 2.06% (best 16.97%, worst -12.00%). 59% of rolling windows ended positive. The 5-year Sharpe ratio is 0.06 — weak risk-adjusted performance.

In calendar year 2025, HDFC Value Fund - IDCW Plan returned -0.81% — lagging the Value Fund category average of 3.06% by 3.86 pp. It ranked #12 of 16 in its category that year.

HDFC Value 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 Value 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: 27.2%. 5-year CAGR: 6.18%.

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