MonitorDirect · GrowthWatch before adding
HDFC Dynamic Term Fund
HDFC Mutual FundIncome/Debt Oriented Schemes - Dynamic Term Fund13.8 years
- NAV
- 102.7088
- 30 Oct 2026
- 1Y
- +3.3%
- 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 30 Oct 2026
Stance
Watch before adding
Recent evidence is mixed. Compare peers before increasing exposure.
In three lines
Fits if · Peak-to-trough drawdown has stayed shallower than 15%.
Prefer peers if · Prefer Aditya Birla Sun Life Dynamic Term 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
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.
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.
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+3.3%
- 3Y+6.5%
- 5Y+5.7%
- 10Y+5.9%
- SI+7.4%
SIP XIRR
Equal monthly instalments to latest NAV
- 1Y+2.9%
- 3Y+4.7%
- 5Y+5.8%
- 10Y+6.2%
- Since inception
- +7.4%
- Calendar-day CAGR
- Excess 1Y
- +0.4%
- Category median, same plan and option
- 3Y win rate
- +36%
- Windows beating the median
- 3Y percentile
- 35
- Vs comparable share classes
- SIP 3Y XIRR
- +4.7%
- Simulated monthly SIP
- Worst rolling 3Y
- +2.9%
- 2621 daily-ending windows
- Median rolling 3Y
- +7.1%
- 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
- -7.5%
- Worst peak-to-trough
- Current
- -1.9%
- Below last peak
- Current spell
- 77 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
35
Vs category
53
Consistency
41
Risk-adjusted
48
Drawdown
81
Mean
52
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
No status reasons yet. History is still thin.
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
- +4.3%
- 3Y
- +7.6%
- Vol
- 3.4%
- Max DD
- -7.5%
- Sharpe
- 0.50
- 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
- +4.7%
- 3Y
- +7.3%
- Vol
- 3.3%
- Max DD
- -7.1%
- Sharpe
- 0.72
- 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
- +3.5%
- 3Y
- +7.1%
- Vol
- 2.5%
- Max DD
- -3.6%
- Sharpe
- 1.31
- 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
- +4.3%
- 3Y
- +7.6%
- Vol
- 2.4%
- Max DD
- -3.2%
- Sharpe
- 1.06
- 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
- +2.0%
- 3Y
- +6.8%
- Vol
- 2.8%
- Max DD
- -4.1%
- Sharpe
- 0.70
- 3Y win
- +78%
- Lower volatility
- Shallower drawdown
- Higher win rate vs category
- Lower TER
- Higher trailing returns