HealthyDirect · GrowthFit for a long SIP
HDFC Long Term Fund
HDFC Mutual FundIncome/Debt Oriented Schemes - Long Term Fund3.8 years
The scheme seeks to generate income / capital appreciation through investments in debt and money market instruments.
- NAV
- 12.5154
- 4 Nov 2026
- 1Y
- +2.0%
- Trailing CAGR
- AUM
- ₹2,577.19 Cr
- 30 Sept 2026
- Volatility
- Low
- 4.2% 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
Watch
3.8 years - usable, still building a track record.
Engine status
Pass
Evidence supports keeping this on a shortlist for a multi-year equity SIP.
Expense ratio
Pass
0.28% TER (Direct). Lower cost compounds on long SIPs.
Drawdown vs peers
Pass
Peak-to-trough -6.0%. Ask whether you can hold through a similar fall.
Vs category
Fail
9% of rolling 3Y windows beat the category median, same plan and option.
Manager tenure
Watch
Anupam Joshi · 0.7 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
Watch
Top 10 holdings ≈ 97.8% 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+2.0%
- 3Y+6.1%
- 5Yn/a
- 10Yn/a
- SI+6.1%
SIP XIRR
Equal monthly instalments to latest NAV
- 1Y+2.6%
- 3Y+3.4%
- 5Yn/a
- 10Yn/a
- Since inception
- +6.1%
- Calendar-day CAGR
- Excess 1Y
- +0.8%
- Category median, same plan and option
- 3Y win rate
- +9%
- Windows beating the median
- 3Y percentile
- 50
- Vs comparable share classes
- SIP 3Y XIRR
- +3.4%
- Simulated monthly SIP
- Worst rolling 3Y
- +4.7%
- 192 daily-ending windows
- Median rolling 3Y
- +6.2%
- 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
- -6.0%
- Worst peak-to-trough
- Current
- -2.1%
- Below last peak
- Current spell
- 82 days
- Days below latest peak
- Time below peak
- +85%
- NAV observations
Drawdown
Path not in current snapshots
n/a
- Average recovery
- 10 days
- 47 recovered episodes
- Longest recovery
- 84 days
- Trough to prior peak
28 May 2025 – 25 Jun 2026
Trough 2 Apr 2026 · recovered in 84 days
-6.0%
14 Aug 2026 – open
Trough 28 Oct 2026 · not recovered
-4.4%
14 Sept 2023 – 14 Dec 2023
Trough 9 Oct 2023 · recovered in 66 days
-2.5%
17 May 2023 – 14 Sept 2023
Trough 7 Jul 2023 · recovered in 69 days
-2.2%
Dimensions
0–100 reads of named metrics. The mean is unweighted and only uses dimensions with data.
Returns
50
Vs category
55
Consistency
25
Risk-adjusted
29
Drawdown
85
Mean
49
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 · 13 holdings · top 10 are 97.8%.
- Top 5
- 83.4%
- Top 10
- 97.8%
- Largest holding
- 29.1%
- Effective holdings
- 5.7
GOVERNMENT OF INDIA 33071 GOI 19JU53 7.3 FV RS 100
Entities
29.1%
GOVERNMENT OF INDIA 34733 GOI 05AG54 7.09 FV RS 100
Entities
19.4%
GOI Sec 7.36 12/09/2052
Entities
18.7%
GOVERNMENT OF INDIA 35840 GOI 15AP65 6.9 FV RS 100
Entities
8.4%
GOVERNMENT OF INDIA 34238 GOI 22AP64 7.34 FV RS 100
Entities
7.8%
Worth investigating
Same-category peers with enough history to inspect beside this fund - including tradeoffs.
Aditya Birla Sun Life Long Term Fund
Aditya Birla Sun Life Mutual Fund
- 1Y
- +2.3%
- 3Y
- +6.7%
- Vol
- 3.1%
- Max DD
- -3.3%
- Sharpe
- 0.41
- 3Y win
- +100%
- Lower volatility
- Shallower drawdown
- Higher win rate vs category
- Higher trailing returns
Caveat: Higher TER
SBI Long Term Fund
SBI Mutual Fund
- 1Y
- +2.7%
- 3Y
- +6.5%
- Vol
- 3.7%
- Max DD
- -4.4%
- Sharpe
- 0.22
- 3Y win
- +80%
- Lower volatility
- Shallower drawdown
- Higher win rate vs category
- Higher trailing returns
Caveat: Higher TER
BANDHAN LONG TERM FUND
Bandhan Mutual Fund
- 1Y
- +3.4%
- 3Y
- n/a
- Vol
- 4.0%
- Max DD
- -4.6%
- Sharpe
- -0.19
- 3Y win
- n/a
- Lower volatility
- Shallower drawdown
- Higher win rate vs category
Caveat: Lower trailing returns
Franklin India Long Term Fund
Franklin Templeton Mutual Fund
- 1Y
- +3.0%
- 3Y
- n/a
- Vol
- 3.4%
- Max DD
- -4.3%
- Sharpe
- -0.41
- 3Y win
- n/a
- Lower volatility
- Shallower drawdown
- Higher win rate vs category
Caveat: Higher TER · Lower trailing returns
Nippon India Nivesh Lakshya Long Term Fund
Nippon India Mutual Fund
- 1Y
- +1.9%
- 3Y
- +6.3%
- Vol
- 4.7%
- Max DD
- -5.8%
- Sharpe
- 0.43
- 3Y win
- +85%
- Shallower drawdown
- Higher win rate vs category
- Higher trailing returns
Caveat: Higher volatility · Higher TER