MonitorDirect · GrowthWatch before adding
HDFC Consumption Fund
HDFC Mutual FundEquity Scheme - Sectoral/ Thematic3.3 years
The Scheme seeks to generate long-term capital appreciation by investing predominantly in equity and equity related securities of companies with a focus on non-cyclical consumer theme.
- NAV
- 13.472
- 30 Oct 2026
- 1Y
- -11.0%
- Trailing CAGR
- AUM
- ₹1,022.11 Cr
- 31 Aug 2026
- Volatility
- Medium
- 13.3% annualized
Buying brief
Should you add this fund?
Evidence on this desk, framed as a purchase checklist - not SEBI-registered advice.
As of 30 Oct 2026
Stance
Watch before adding
Recent evidence is mixed. Compare peers before increasing exposure.
In three lines
Fits if · Long-term category-relative performance remains stronger than the most recent rolling 1-year windows, which have deteriorated across multiple periods.
Prefer peers if · Prefer ICICI PRUDENTIAL HOUSING OPPORTUNITIES FUND if you want a same-category peer with stronger evidence.
Buy checklist
History depth
Watch
3.3 years - usable, still building a track record.
Engine status
Watch
Recent evidence is mixed. Compare peers before increasing exposure.
Expense ratio
Pass
1.40% TER (Direct). Lower cost compounds on long SIPs.
Drawdown vs peers
Pass
Peak-to-trough -23.5%. Ask whether you can hold through a similar fall.
Vs category
Fail
0% of rolling 3Y windows beat the category median, same plan and option.
Manager tenure
Pass
Amit Sinha · 3.4 years on the scheme.
Exit load
n/a
No exit-load summary on file.
Tax / wrapper
Pass
Direct Growth, no ELSS lock flagged. Equity LTCG rules still apply after one year - not tax advice.
Portfolio concentration
Pass
Top 10 holdings ≈ 53.4% of the portfolio.
Browse category
Same-category peers are preloaded into compare when available.
Before you buy or SIP
Behaviour and wrappers - the usual India MF failure modes - not a buy instruction.
Drawdown rehearsal
This scheme’s worst fall on file is about 23%. Before you SIP, ask whether you would keep contributing through a similar drop - pausing on fear is the usual India MF failure mode.
SIP discipline
Monitor is recent mixed evidence - keep the SIP unless the buying brief says prefer peers, then swap with intent.
NAV
Path not in current snapshots
n/a
Returns
Trailing CAGR and simulated monthly SIP XIRR from daily NAV. Category comparison uses the median of comparable share classes in the peer set.
Trailing CAGR
Point-to-point, calendar-day annualized
- 1Y-11.0%
- 3Y+9.2%
- 5Yn/a
- 10Yn/a
- SI+9.4%
SIP XIRR
Equal monthly instalments to latest NAV
- 1Y-6.3%
- 3Y-0.1%
- 5Yn/a
- 10Yn/a
- Since inception
- +9.4%
- Calendar-day CAGR
- Excess 1Y
- -8.4%
- Category median, same plan and option
- 3Y win rate
- 0%
- Windows beating the median
- 3Y percentile
- 28
- Vs comparable share classes
- SIP 3Y XIRR
- -0.1%
- Simulated monthly SIP
- Worst rolling 3Y
- +7.5%
- 77 daily-ending windows
- Median rolling 3Y
- +11.7%
- Calendar-day CAGR
- Positive rolling 5Y
- n/a
- 0 daily-ending windows
Drawdown
Peak to trough from a running NAV high, with the path and recovery episodes.
- Max drawdown
- -23.5%
- Worst peak-to-trough
- Current
- -16.4%
- Below last peak
- Current spell
- 767 days
- Days below latest peak
- Time below peak
- +86%
- NAV observations
Drawdown
Path not in current snapshots
n/a
- Average recovery
- 4 days
- 43 recovered episodes
- Longest recovery
- 28 days
- Trough to prior peak
23 Sept 2024 – open
Trough 31 Mar 2026 · not recovered
-23.5%
23 Feb 2024 – 10 Apr 2024
Trough 13 Mar 2024 · recovered in 28 days
-7.8%
17 Oct 2023 – 7 Nov 2023
Trough 26 Oct 2023 · recovered in 12 days
-5.0%
12 Jan 2024 – 16 Feb 2024
Trough 23 Jan 2024 · recovered in 24 days
-3.5%
Dimensions
0–100 reads of named metrics. The mean is unweighted and only uses dimensions with data.
Returns
28
Vs category
0
Consistency
23
Risk-adjusted
41
Drawdown
41
Mean
27
Decision
Quantitative engine reasons behind the buying stance. An explanation can only restate what is already here.
Monitor
Buying stance
Watch before adding
Recent evidence is mixed. Compare peers before increasing exposure.
Why this status
- Long-term category-relative performance remains stronger than the most recent rolling 1-year windows, which have deteriorated across multiple periods.
Supporting reads
No supporting reads in the current evidence set.
Portfolio
31 Aug 2026 · 50 holdings · top 10 are 53.4%.
- Top 5
- 35.5%
- Top 10
- 53.4%
- Largest holding
- 10.6%
- Effective holdings
- 23.3
Zomato Ltd
Technology
10.6%
Mahindra & Mahindra Ltd
Consumer Discretionary
8.6%
Hindustan Unilever Ltd
Consumer Staples
7.2%
Bharti Airtel Ltd
Technology
5.0%
Vishal Mega Mart Ltd.
Consumer Staples
4.1%
What changed
PERFORMANCE
Recent rolling excess versus the category median has deteriorated.
30 Oct 2026
PERFORMANCE
Recent rolling excess versus the category median has deteriorated.
29 Oct 2026
PERFORMANCE
Recent rolling excess versus the category median has deteriorated.
28 Oct 2026
PERFORMANCE
Recent rolling excess versus the category median has deteriorated.
27 Oct 2026
PERFORMANCE
Recent rolling excess versus the category median has deteriorated.
26 Oct 2026
PERFORMANCE
Recent rolling excess versus the category median has deteriorated.
23 Oct 2026
PERFORMANCE
Recent rolling excess versus the category median has deteriorated.
22 Oct 2026
PERFORMANCE
Recent rolling excess versus the category median has deteriorated.
21 Oct 2026
PERFORMANCE
Recent rolling excess versus the category median has deteriorated.
19 Oct 2026
PERFORMANCE
Recent rolling excess versus the category median has deteriorated.
16 Oct 2026
PERFORMANCE
Recent rolling excess versus the category median has deteriorated.
24 Sept 2026
PERFORMANCE
Recent rolling excess versus the category median has deteriorated.
23 Sept 2026
Worth investigating
Same-category peers with enough history to inspect beside this fund - including tradeoffs.
ICICI PRUDENTIAL HOUSING OPPORTUNITIES FUND
ICICI Prudential Mutual Fund
- 1Y
- -9.5%
- 3Y
- +10.3%
- Vol
- 12.6%
- Max DD
- -16.7%
- Sharpe
- 0.54
- 3Y win
- +65%
- Lower volatility
- Shallower drawdown
- Higher win rate vs category
- Lower TER
- Higher trailing returns
Kotak Business Cycle Fund
Kotak Mahindra Mutual Fund
- 1Y
- -0.1%
- 3Y
- +15.8%
- Vol
- 12.7%
- Max DD
- -18.4%
- Sharpe
- 0.70
- 3Y win
- +98%
- Lower volatility
- Shallower drawdown
- Higher win rate vs category
- Lower TER
- Higher trailing returns
Nippon India Innovation Fund
Nippon India Mutual Fund
- 1Y
- -5.1%
- 3Y
- +12.8%
- Vol
- 14.3%
- Max DD
- -21.5%
- Sharpe
- 0.46
- 3Y win
- +100%
- Shallower drawdown
- Higher win rate vs category
- Lower TER
- Higher trailing returns
Caveat: Higher volatility
Aditya Birla Sun Life Business Cycle Fund
Aditya Birla Sun Life Mutual Fund
- 1Y
- -0.1%
- 3Y
- +12.7%
- Vol
- 13.9%
- Max DD
- -17.8%
- Sharpe
- 0.38
- 3Y win
- +13%
- Shallower drawdown
- Higher win rate vs category
- Higher trailing returns
Caveat: Higher volatility · Higher TER
Motilal Oswal Active Momentum Fund
Motilal Oswal Mutual Fund
- 1Y
- +14.4%
- 3Y
- n/a
- Vol
- 17.3%
- Max DD
- -16.6%
- Sharpe
- 0.93
- 3Y win
- n/a
- Shallower drawdown
- Higher win rate vs category
- Higher trailing returns
Caveat: Higher volatility · Higher TER