MonitorDirect · GrowthWatch before adding
HDFC Conservative Hybrid Fund
HDFC Mutual FundHybrid Schemes - Conservative Hybrid Fund13.8 years
The scheme seeks to generate income/capital appreciation by investing primarily in debt securities, money market instruments and moderate exposure to equities.
- NAV
- 88.4516
- 30 Oct 2026
- 1Y
- -0.1%
- Trailing CAGR
- AUM
- ₹3,108.02 Cr
- 30 Sept 2026
- Volatility
- Low
- 5.1% 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 64% of rolling 3-year windows.
Fits if · Risk-adjusted return sits above the documented risk-free proxy.
Prefer peers if · Prefer ICICI Prudential Conservative Hybrid Fund if you want a same-category peer with stronger evidence.
Buy checklist
History depth
Pass
13.8 years of path to read.
Engine status
Watch
Recent evidence is mixed. Compare peers before increasing exposure.
Expense ratio
Pass
1.18% TER (Direct). Lower cost compounds on long SIPs.
Drawdown vs peers
Pass
Peak-to-trough -12.1%. Ask whether you can hold through a similar fall.
Vs category
Pass
64% of rolling 3Y windows beat the category median, same plan and option.
Manager tenure
Watch
Anand Laddha · 0.1 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 ≈ 25.8% 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 12%. 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-0.1%
- 3Y+7.2%
- 5Y+7.4%
- 10Y+8.0%
- SI+9.1%
SIP XIRR
Equal monthly instalments to latest NAV
- 1Y-0.5%
- 3Y+3.3%
- 5Y+6.4%
- 10Y+8.1%
- Since inception
- +9.1%
- Calendar-day CAGR
- Excess 1Y
- -0.8%
- Category median, same plan and option
- 3Y win rate
- +64%
- Windows beating the median
- 3Y percentile
- 20
- Vs comparable share classes
- SIP 3Y XIRR
- +3.3%
- Simulated monthly SIP
- Worst rolling 3Y
- +1.7%
- 2621 daily-ending windows
- Median rolling 3Y
- +10.3%
- Calendar-day CAGR
- Positive rolling 5Y
- +100%
- 2139 daily-ending windows
Drawdown
Peak to trough from a running NAV high, with the path and recovery episodes.
- Max drawdown
- -12.1%
- Worst peak-to-trough
- Current
- -2.2%
- Below last peak
- Current spell
- 78 days
- Days below latest peak
- Time below peak
- +79%
- NAV observations
Drawdown
Path not in current snapshots
n/a
- Average recovery
- 10 days
- 224 recovered episodes
- Longest recovery
- 174 days
- Trough to prior peak
11 Feb 2020 – 13 Aug 2020
Trough 23 Mar 2020 · recovered in 143 days
-12.1%
17 May 2013 – 13 Jan 2014
Trough 19 Aug 2013 · recovered in 147 days
-10.1%
20 Oct 2015 – 12 Apr 2016
Trough 25 Feb 2016 · recovered in 47 days
-6.9%
23 Jan 2018 – 19 Dec 2018
Trough 28 Jun 2018 · recovered in 174 days
-5.0%
Dimensions
0–100 reads of named metrics. The mean is unweighted and only uses dimensions with data.
Returns
20
Vs category
45
Consistency
57
Risk-adjusted
57
Drawdown
70
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.
- Three-year return sits below the 25th percentile of comparable share classes.
Supporting reads
- The fund beat the category median in 64% of rolling 3-year windows.
- Risk-adjusted return sits above the documented risk-free proxy.
- Peak-to-trough drawdown has stayed shallower than 15%.
Portfolio
30 Sept 2026 · 111 holdings · top 10 are 25.8%.
- Top 5
- 14.3%
- Top 10
- 25.8%
- Largest holding
- 3.2%
- Effective holdings
- 69.6
GOI Sec 7.23 15/04/2039
Entities
3.2%
GOVERNMENT OF INDIA 34733 GOI 05AG54 7.09 FV RS 100
Entities
3.0%
GOVERNMENT OF INDIA 34238 GOI 22AP64 7.34 FV RS 100
Entities
2.9%
INDIAN RAILWAY FINANCE CORPORATION LIMITED SERIES 134 8.30 LOA 25MR29 FVRS10LAC
Financial
2.6%
Net Current Assets
Unspecified
2.5%
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.
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.
ICICI Prudential Conservative Hybrid Fund
ICICI Prudential Mutual Fund
- 1Y
- +1.0%
- 3Y
- +8.5%
- Vol
- 4.2%
- Max DD
- -8.8%
- Sharpe
- 0.98
- 3Y win
- +86%
- Lower volatility
- Shallower drawdown
- Higher win rate vs category
- Lower TER
- Higher trailing returns
Kotak Conservative Hybrid Fund
Kotak Mahindra Mutual Fund
- 1Y
- -0.1%
- 3Y
- +8.3%
- Vol
- 4.8%
- Max DD
- -11.8%
- Sharpe
- 0.87
- 3Y win
- +95%
- Lower volatility
- Shallower drawdown
- Higher win rate vs category
- Lower TER
- Higher trailing returns
BARODA BNP PARIBAS CONSERVATIVE HYBRID FUND
Baroda BNP Paribas Mutual Fund
- 1Y
- +2.4%
- 3Y
- +8.1%
- Vol
- 3.6%
- Max DD
- -4.5%
- Sharpe
- 0.56
- 3Y win
- +29%
- Lower volatility
- Shallower drawdown
- Lower TER
- Higher trailing returns
Canara Robeco Conservative Hybrid Fund
Canara Robeco Mutual Fund
- 1Y
- +0.6%
- 3Y
- +7.4%
- Vol
- 4.3%
- Max DD
- -10.2%
- Sharpe
- 0.76
- 3Y win
- +38%
- Lower volatility
- Shallower drawdown
- Lower TER
- Higher trailing returns
DSP Conservative Hybrid Fund
DSP Mutual Fund
- 1Y
- +1.8%
- 3Y
- +8.2%
- Vol
- 4.3%
- Max DD
- -12.0%
- Sharpe
- 0.55
- 3Y win
- +15%
- Lower volatility
- Shallower drawdown
- Lower TER
- Higher trailing returns