HealthyDirect · GrowthFit for a long SIP
HDFC FMP 1861D March 2022
- NAV
- 13.455
- 29 Oct 2026
- 1Y
- +5.8%
- Trailing CAGR
- AUM
- ₹472.62 Cr
- 30 Jun 2026
- Volatility
- Low
- 1.5% annualized
Buying brief
Should you add this fund?
Evidence on this desk, framed as a purchase checklist - not SEBI-registered advice.
As of 29 Oct 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 · Three-year return is above the category median.
Fits if · Peak-to-trough drawdown has stayed shallower than 15%.
Buy checklist
History depth
Watch
4.6 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
n/a
TER not on file yet.
Drawdown vs peers
Pass
Peak-to-trough -3.8%. Ask whether you can hold through a similar fall.
Vs category
Fail
20% 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
n/a
Holdings weights not on file for this scheme yet.
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+5.8%
- 3Y+7.7%
- 5Yn/a
- 10Yn/a
- SI+6.6%
SIP XIRR
Equal monthly instalments to latest NAV
- 1Y+5.6%
- 3Y+6.9%
- 5Yn/a
- 10Yn/a
- Since inception
- +6.6%
- Calendar-day CAGR
- Excess 1Y
- +0.1%
- Category median, same plan and option
- 3Y win rate
- +20%
- Windows beating the median
- 3Y percentile
- 80
- Vs comparable share classes
- SIP 3Y XIRR
- +6.9%
- Simulated monthly SIP
- Worst rolling 3Y
- +6.3%
- 398 daily-ending windows
- Median rolling 3Y
- +7.8%
- 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
- -3.8%
- Worst peak-to-trough
- Current
- 0.0%
- At peak
- Current spell
- 0 days
- Days below latest peak
- Time below peak
- +43%
- NAV observations
Drawdown
Path not in current snapshots
n/a
- Average recovery
- 4 days
- 141 recovered episodes
- Longest recovery
- 130 days
- Trough to prior peak
31 Mar 2022 – 13 Sept 2022
Trough 6 May 2022 · recovered in 130 days
-3.8%
13 Sept 2022 – 11 Nov 2022
Trough 26 Sept 2022 · recovered in 46 days
-1.7%
2 Feb 2023 – 13 Mar 2023
Trough 27 Feb 2023 · recovered in 14 days
-0.4%
26 Sept 2023 – 30 Oct 2023
Trough 10 Oct 2023 · recovered in 20 days
-0.3%
Dimensions
0–100 reads of named metrics. The mean is unweighted and only uses dimensions with data.
Returns
80
Vs category
51
Consistency
34
Risk-adjusted
49
Drawdown
91
Mean
61
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
- Three-year return is above the category median.
- Peak-to-trough drawdown has stayed shallower than 15%.
What changed
DECISION
Status moved from MONITOR to HEALTHY.
22 Sept 2026
DECISION
Status moved from HEALTHY to MONITOR.
9 Sept 2026
Worth investigating
Same-category peers with enough history to inspect beside this fund - including tradeoffs.
ICICI Prudential Fixed Maturity Plan - Series 80 - 1125 Days Plan S
ICICI Prudential Mutual Fund
- 1Y
- +8.4%
- 3Y
- +8.0%
- Vol
- 0.8%
- Max DD
- -0.3%
- Sharpe
- 2.60
- 3Y win
- +100%
- Lower volatility
- Shallower drawdown
- Higher win rate vs category
- Higher trailing returns
ICICI Prudential Fixed Maturity Plan - Series 80 - 1150 Days Plan N
ICICI Prudential Mutual Fund
- 1Y
- +8.4%
- 3Y
- +7.9%
- Vol
- 0.8%
- Max DD
- -0.4%
- Sharpe
- 2.83
- 3Y win
- +100%
- Lower volatility
- Shallower drawdown
- Higher win rate vs category
- Higher trailing returns
ICICI Prudential Fixed Maturity Plan-Series 72-500 Days Plan E
ICICI Prudential Mutual Fund
- 1Y
- +8.4%
- 3Y
- n/a
- Vol
- 0.5%
- Max DD
- -0.1%
- Sharpe
- 7.03
- 3Y win
- n/a
- Lower volatility
- Shallower drawdown
- Higher win rate vs category
- Higher trailing returns
ICICI Prudential Fixed Maturity Plan-Series 73-392 Days Plan F
ICICI Prudential Mutual Fund
- 1Y
- +7.2%
- 3Y
- +8.4%
- Vol
- 0.5%
- Max DD
- -0.1%
- Sharpe
- 5.39
- 3Y win
- +36%
- Lower volatility
- Shallower drawdown
- Higher win rate vs category
- Higher trailing returns
DSP FMP Series - 267 - 1172 Days
DSP Mutual Fund
- 1Y
- +6.1%
- 3Y
- +7.1%
- Vol
- 0.9%
- Max DD
- -0.5%
- Sharpe
- 1.43
- 3Y win
- +100%
- Lower volatility
- Shallower drawdown
- Higher win rate vs category
Caveat: Lower trailing returns