HealthyDirect · GrowthFit for a long SIP
HDFC Dynamic Term Fund
HDFC Mutual FundIncome/Debt Oriented Schemes - Dynamic Term Fund13.8 years
- NAV
- 103.4937
- 4 Nov 2026
- 1Y
- +4.0%
- Trailing CAGR
- AUM
- ₹479.92 Cr
- 30 Sept 2026
- Volatility
- Low
- 3.4% annualized
Buying brief
Should you add this fund?
Evidence on this desk, framed as a purchase checklist - not SEBI-registered advice.
As of 4 Nov 2026
Stance
Fit for a long SIP
Evidence supports keeping this on a shortlist for a multi-year equity SIP.
In three lines
Fits if · Peak-to-trough drawdown has stayed shallower than 15%.
Buy checklist
History depth
Pass
13.8 years of path to read.
Engine status
Pass
Evidence supports keeping this on a shortlist for a multi-year equity SIP.
Expense ratio
Pass
0.75% TER (Direct). Lower cost compounds on long SIPs.
Drawdown vs peers
Pass
Peak-to-trough -7.5%. Ask whether you can hold through a similar fall.
Vs category
Fail
36% of rolling 3Y windows beat the category median, same plan and option.
Manager tenure
n/a
Manager not listed.
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
Watch
Top 10 holdings ≈ 64.1% of the portfolio.
Evidence supports a shortlist - confirm with peers before you buy elsewhere.
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+4.0%
- 3Y+6.6%
- 5Y+5.9%
- 10Y+6.0%
- SI+7.4%
SIP XIRR
Equal monthly instalments to latest NAV
- 1Y+4.2%
- 3Y+5.1%
- 5Y+6.0%
- 10Y+6.3%
- Since inception
- +7.4%
- Calendar-day CAGR
- Excess 1Y
- +0.5%
- Category median, same plan and option
- 3Y win rate
- +36%
- Windows beating the median
- 3Y percentile
- 40
- Vs comparable share classes
- SIP 3Y XIRR
- +5.1%
- Simulated monthly SIP
- Worst rolling 3Y
- +2.9%
- 2624 daily-ending windows
- Median rolling 3Y
- +7.1%
- Calendar-day CAGR
- Positive rolling 5Y
- +100%
- 2142 daily-ending windows
Drawdown
Peak to trough from a running NAV high, with the path and recovery episodes.
- Max drawdown
- -7.5%
- Worst peak-to-trough
- Current
- -1.2%
- Below last peak
- Current spell
- 82 days
- Days below latest peak
- Time below peak
- +74%
- NAV observations
Drawdown
Path not in current snapshots
n/a
- Average recovery
- 8 days
- 245 recovered episodes
- Longest recovery
- 217 days
- Trough to prior peak
28 May 2013 – 24 Mar 2014
Trough 19 Aug 2013 · recovered in 217 days
-7.5%
24 Nov 2016 – 8 Jun 2017
Trough 10 Mar 2017 · recovered in 90 days
-4.3%
5 Apr 2018 – 2 Nov 2018
Trough 7 Jun 2018 · recovered in 148 days
-2.8%
14 Jan 2019 – 12 Jul 2019
Trough 30 Apr 2019 · recovered in 73 days
-2.8%
Dimensions
0–100 reads of named metrics. The mean is unweighted and only uses dimensions with data.
Returns
40
Vs category
53
Consistency
41
Risk-adjusted
49
Drawdown
81
Mean
53
Decision
Quantitative engine reasons behind the buying stance. An explanation can only restate what is already here.
Healthy
Buying stance
Fit for a long SIP
Evidence supports keeping this on a shortlist for a multi-year equity SIP.
Why this status
- No material deterioration, cost shock, or persistent category underperformance in the current evidence set.
Supporting reads
- Peak-to-trough drawdown has stayed shallower than 15%.
Portfolio
30 Sept 2026 · 36 holdings · top 10 are 64.1%.
- Top 5
- 40.8%
- Top 10
- 64.1%
- Largest holding
- 14.7%
- Effective holdings
- 17.4
GOVERNMENT OF INDIA 34238 GOI 22AP64 7.34 FV RS 100
Entities
14.7%
Net Current Assets
Unspecified
8.2%
Repo
Unspecified
7.3%
REC LIMITED SR GOI-VI 8.80 BD 22JN29 FVRS10LAC
Financial
5.3%
NATIONAL BANK FOR AGRICULTURE AND RURAL DEVELOPMENT SR 25C 7.44 BD 24FB28 FVRS1LAC
Financial
5.2%
Worth investigating
Same-category peers with enough history to inspect beside this fund - including tradeoffs.
Aditya Birla Sun Life Dynamic Term Fund
Aditya Birla Sun Life Mutual Fund
- 1Y
- +5.2%
- 3Y
- +7.7%
- Vol
- 3.4%
- Max DD
- -7.5%
- Sharpe
- 0.52
- 3Y win
- +52%
- Lower volatility
- Shallower drawdown
- Higher win rate vs category
- Lower TER
- Higher trailing returns
Axis Dynamic Term Fund
Axis Mutual Fund
- 1Y
- +5.3%
- 3Y
- +7.5%
- Vol
- 3.3%
- Max DD
- -7.1%
- Sharpe
- 0.73
- 3Y win
- +77%
- Lower volatility
- Shallower drawdown
- Higher win rate vs category
- Lower TER
- Higher trailing returns
ICICI Prudential Dynamic Term Fund
ICICI Prudential Mutual Fund
- 1Y
- +4.7%
- 3Y
- +7.4%
- Vol
- 2.5%
- Max DD
- -3.6%
- Sharpe
- 1.35
- 3Y win
- +100%
- Lower volatility
- Shallower drawdown
- Higher win rate vs category
- Lower TER
- Higher trailing returns
Kotak Dynamic Term Fund
Kotak Mahindra Mutual Fund
- 1Y
- +5.7%
- 3Y
- +7.8%
- Vol
- 2.4%
- Max DD
- -3.2%
- Sharpe
- 1.10
- 3Y win
- +89%
- Lower volatility
- Shallower drawdown
- Higher win rate vs category
- Lower TER
- Higher trailing returns
PGIM India Dynamic Term Fund
PGIM India Mutual Fund
- 1Y
- +2.7%
- 3Y
- +6.9%
- Vol
- 2.8%
- Max DD
- -4.1%
- Sharpe
- 0.73
- 3Y win
- +77%
- Lower volatility
- Shallower drawdown
- Higher win rate vs category
- Lower TER
- Higher trailing returns