MonitorPlan n/a · Option n/aWatch before adding
HDFC Long Term Advantage Plan
HDFC Mutual FundEquity Scheme - ELSS13.8 years
- NAV
- 625.385
- 14 Jan 2022
- 1Y
- +36.1%
- Trailing CAGR
- AUM
- ₹13.27 Cr
- 31 Mar 2022
- Volatility
- High
- 16.6% annualized
Buying brief
Should you add this fund?
Evidence on this desk, framed as a purchase checklist - not SEBI-registered advice.
As of 14 Jan 2022
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 95% of rolling 3-year windows.
Fits if · Three-year return is above the category median.
Prefer peers if · Prefer Baroda BNP Paribas ELSS Tax Saver 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
n/a
TER not on file yet.
Drawdown vs peers
Watch
Peak-to-trough -39.6%. Ask whether you can hold through a similar fall.
Vs category
Pass
95% 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 / lock-in
Watch
ELSS locks each installment for 3 years. Useful only if 80C is open on the old regime - otherwise locked equity.
Portfolio concentration
n/a
Holdings weights not on file for this scheme yet.
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 40%. 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.
ELSS lock-in
Every installment locks for 3 years. Only useful if 80C is still open on the old regime - otherwise it is locked equity, not a tax cut.
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+36.1%
- 3Y+21.2%
- 5Y+18.0%
- 10Yn/a
- SI+17.3%
SIP XIRR
Equal monthly instalments to latest NAV
- 1Y+33.7%
- 3Y+31.5%
- 5Y+21.2%
- 10Yn/a
- Since inception
- +17.3%
- Calendar-day CAGR
- Excess 1Y
- +28.5%
- Category median, same plan and option
- 3Y win rate
- +95%
- Windows beating the median
- 3Y percentile
- 100
- Vs comparable share classes
- SIP 3Y XIRR
- +31.5%
- Simulated monthly SIP
- Worst rolling 3Y
- -6.6%
- 1488 daily-ending windows
- Median rolling 3Y
- +14.4%
- Calendar-day CAGR
- Positive rolling 5Y
- +100%
- 996 daily-ending windows
Drawdown
Peak to trough from a running NAV high, with the path and recovery episodes.
- Max drawdown
- -39.6%
- Worst peak-to-trough
- Current
- 0.0%
- At peak
- Current spell
- 0 days
- Days below latest peak
- Time below peak
- +87%
- NAV observations
Drawdown
Path not in current snapshots
n/a
- Average recovery
- 12 days
- 112 recovered episodes
- Longest recovery
- 239 days
- Trough to prior peak
14 Jan 2020 – 17 Nov 2020
Trough 23 Mar 2020 · recovered in 239 days
-39.6%
28 Jan 2015 – 23 Jun 2016
Trough 25 Feb 2016 · recovered in 119 days
-19.2%
21 Jan 2013 – 23 Oct 2013
Trough 28 Aug 2013 · recovered in 56 days
-14.5%
23 Jan 2018 – 29 Mar 2019
Trough 26 Oct 2018 · recovered in 154 days
-14.4%
Dimensions
0–100 reads of named metrics. The mean is unweighted and only uses dimensions with data.
Returns
100
Vs category
100
Consistency
84
Risk-adjusted
61
Drawdown
1
Mean
69
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
- Maximum drawdown exceeded 35%.
- AUM fell by 30% or more versus the prior observation.
Supporting reads
- The fund beat the category median in 95% of rolling 3-year windows.
- Three-year return is above the category median.
- Risk-adjusted return sits above the documented risk-free proxy.
No holdings or recent changes on file for this scheme yet.
Worth investigating
Same-category peers with enough history to inspect beside this fund - including tradeoffs.
Baroda BNP Paribas ELSS Tax Saver Fund
Baroda BNP Paribas Mutual Fund
- 1Y
- -3.2%
- 3Y
- +14.2%
- Vol
- 13.9%
- Max DD
- -17.3%
- Sharpe
- 0.53
- 3Y win
- +99%
- Lower volatility
- Shallower drawdown
- Higher win rate vs category
Caveat: Lower trailing returns
Aditya Birla Sun Life ELSS Tax Saver Fund
Aditya Birla Sun Life Mutual Fund
- 1Y
- -7.3%
- 3Y
- +11.0%
- Vol
- 14.6%
- Max DD
- -35.1%
- Sharpe
- 0.53
- 3Y win
- +50%
- Lower volatility
- Shallower drawdown
Caveat: Lower trailing returns
Franklin India ELSS Tax Saver Fund
Franklin Templeton Mutual Fund
- 1Y
- -10.0%
- 3Y
- +10.3%
- Vol
- 15.3%
- Max DD
- -39.0%
- Sharpe
- 0.58
- 3Y win
- +54%
- Lower volatility
- Shallower drawdown
Caveat: Lower trailing returns
Kotak ELSS Tax Saver Fund
Kotak Mahindra Mutual Fund
- 1Y
- -4.4%
- 3Y
- +10.9%
- Vol
- 15.5%
- Max DD
- -36.4%
- Sharpe
- 0.60
- 3Y win
- +80%
- Lower volatility
- Shallower drawdown
Caveat: Lower trailing returns
LIC MF Unit Linked Insurance Scheme (ULIS)
LIC Mutual Fund
- 1Y
- -4.8%
- 3Y
- +7.2%
- Vol
- 12.4%
- Max DD
- -31.0%
- Sharpe
- 0.32
- 3Y win
- n/a
- Lower volatility
- Shallower drawdown
Caveat: Lower trailing returns