MonitorDirect · GrowthWatch before adding
HDFC BSE 500 Index Fund
- NAV
- 14.8108
- 30 Oct 2026
- 1Y
- -8.0%
- Trailing CAGR
- AUM
- ₹312.55 Cr
- 30 Sept 2026
- Volatility
- Medium
- 13.5% 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 · The fund beat the category median in 99% of rolling 3-year windows.
Fits if · Three-year return is above the category median.
Prefer peers if · Prefer Kotak Nifty Next 50 Index Fund if you want a same-category peer with stronger evidence.
Buy checklist
History depth
Watch
3.5 years - usable, still building a track record.
Engine status
Watch
Recent evidence is mixed. Compare peers before increasing exposure.
Expense ratio
Pass
0.35% TER (Direct). Lower cost compounds on long SIPs.
Drawdown vs peers
Pass
Peak-to-trough -18.8%. Ask whether you can hold through a similar fall.
Vs category
Pass
99% 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
Pass
Top 10 holdings ≈ 29.0% 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 19%. 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-8.0%
- 3Y+9.3%
- 5Yn/a
- 10Yn/a
- SI+11.8%
SIP XIRR
Equal monthly instalments to latest NAV
- 1Y-7.4%
- 3Y+0.4%
- 5Yn/a
- 10Yn/a
- Since inception
- +11.8%
- Calendar-day CAGR
- Excess 1Y
- -5.4%
- Category median, same plan and option
- 3Y win rate
- +99%
- Windows beating the median
- 3Y percentile
- 65
- Vs comparable share classes
- SIP 3Y XIRR
- +0.4%
- Simulated monthly SIP
- Worst rolling 3Y
- +7.8%
- 133 daily-ending windows
- Median rolling 3Y
- +11.9%
- 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
- -18.8%
- Worst peak-to-trough
- Current
- -10.1%
- Below last peak
- Current spell
- 764 days
- Days below latest peak
- Time below peak
- +85%
- NAV observations
Drawdown
Path not in current snapshots
n/a
- Average recovery
- 5 days
- 44 recovered episodes
- Longest recovery
- 33 days
- Trough to prior peak
26 Sept 2024 – open
Trough 28 Feb 2025 · not recovered
-18.8%
3 Jun 2024 – 10 Jun 2024
Trough 4 Jun 2024 · recovered in 6 days
-6.6%
15 Sept 2023 – 28 Nov 2023
Trough 26 Oct 2023 · recovered in 33 days
-6.2%
31 Jul 2024 – 26 Aug 2024
Trough 6 Aug 2024 · recovered in 20 days
-4.6%
Dimensions
0–100 reads of named metrics. The mean is unweighted and only uses dimensions with data.
Returns
65
Vs category
16
Consistency
69
Risk-adjusted
49
Drawdown
53
Mean
50
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.
- Recent return trails the category median by 3 percentage points or more, with a weak rolling win rate.
Supporting reads
- The fund beat the category median in 99% of rolling 3-year windows.
- Three-year return is above the category median.
Portfolio
30 Sept 2026 · 502 holdings · top 10 are 29.0%.
- Top 5
- 20.1%
- Top 10
- 29.0%
- Largest holding
- 5.7%
- Effective holdings
- 74.8
HDFC Bank Ltd
Financial
5.7%
ICICI Bank Ltd
Financial
5.0%
Reliance Industries Ltd
Energy & Utilities
4.2%
Bharti Airtel Ltd
Technology
2.9%
Larsen & Toubro Ltd
Industrials
2.3%
What changed
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
PERFORMANCE
Recent rolling excess versus the category median has deteriorated.
22 Sept 2026
Worth investigating
Same-category peers with enough history to inspect beside this fund - including tradeoffs.
Kotak Nifty Next 50 Index Fund
Kotak Mahindra Mutual Fund
- 1Y
- -2.7%
- 3Y
- +16.2%
- Vol
- 17.5%
- Max DD
- -26.3%
- Sharpe
- 0.49
- 3Y win
- +100%
- Higher win rate vs category
- Lower TER
- Higher trailing returns
Caveat: Higher volatility · Deeper drawdown
Aditya Birla Sun Life Nifty SDL Apr 2027 Index Fund
Aditya Birla Sun Life Mutual Fund
- 1Y
- +5.6%
- 3Y
- +7.4%
- Vol
- 1.4%
- Max DD
- -3.5%
- Sharpe
- 0.36
- 3Y win
- +1%
- Lower volatility
- Shallower drawdown
- Lower TER
Caveat: Lower trailing returns
Axis CRISIL IBX 50:50 Gilt Plus SDL June 2028 Index Fund
Axis Mutual Fund
- 1Y
- +4.6%
- 3Y
- +7.4%
- Vol
- 1.2%
- Max DD
- -0.8%
- Sharpe
- 1.08
- 3Y win
- +1%
- Lower volatility
- Shallower drawdown
- Lower TER
Caveat: Lower trailing returns
Bajaj Finserv Nifty 50 Index Fund
Bajaj Finserv Mutual Fund
- 1Y
- -10.5%
- 3Y
- n/a
- Vol
- 12.4%
- Max DD
- -14.9%
- Sharpe
- -0.80
- 3Y win
- n/a
- Lower volatility
- Shallower drawdown
- Lower TER
Caveat: Lower trailing returns
BANDHAN CRISIL IBX GILT APRIL 2026 INDEX FUND
Bandhan Mutual Fund
- 1Y
- +5.8%
- 3Y
- +6.8%
- Vol
- 0.8%
- Max DD
- -0.4%
- Sharpe
- 1.62
- 3Y win
- 0%
- Lower volatility
- Shallower drawdown
- Lower TER
Caveat: Lower trailing returns