HealthyDirect · GrowthFit for a long SIP
HDFC Medium Term Fund
HDFC Mutual FundIncome/Debt Oriented Schemes - Medium Term Fund13.8 years
The scheme seeks to generate income / capital appreciation through investments in Debt and Money Market Instruments.
- NAV
- 65.9177
- 30 Oct 2026
- 1Y
- +5.4%
- Trailing CAGR
- AUM
- ₹3,498.9 Cr
- 30 Sept 2026
- Volatility
- Low
- 1.7% 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
Fit for a long SIP
Evidence supports keeping this on a shortlist for a multi-year equity SIP.
In three lines
Fits if · The fund beat the category median in 65% of rolling 3-year windows.
Fits if · Three-year return is above the category median.
Buy checklist
History depth
Pass
13.8 years of path to read.
Engine status
Pass
Evidence supports keeping this on a shortlist for a multi-year equity SIP.
Expense ratio
Pass
0.70% TER (Direct). Lower cost compounds on long SIPs.
Drawdown vs peers
Pass
Peak-to-trough -3.5%. Ask whether you can hold through a similar fall.
Vs category
Pass
65% of rolling 3Y windows beat the category median, same plan and option.
Manager tenure
Watch
Anil Bamboli · 0.7 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 ≈ 34.0% of the portfolio.
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+5.4%
- 3Y+7.7%
- 5Y+6.7%
- 10Y+7.4%
- SI+8.0%
SIP XIRR
Equal monthly instalments to latest NAV
- 1Y+5.1%
- 3Y+6.9%
- 5Y+7.1%
- 10Y+7.3%
- Since inception
- +8.0%
- Calendar-day CAGR
- Excess 1Y
- +0.6%
- Category median, same plan and option
- 3Y win rate
- +65%
- Windows beating the median
- 3Y percentile
- 64
- Vs comparable share classes
- SIP 3Y XIRR
- +6.9%
- Simulated monthly SIP
- Worst rolling 3Y
- +5.5%
- 2621 daily-ending windows
- Median rolling 3Y
- +8.1%
- 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
- -3.5%
- Worst peak-to-trough
- Current
- -0.3%
- Below last peak
- Current spell
- 52 days
- Days below latest peak
- Time below peak
- +50%
- NAV observations
Drawdown
Path not in current snapshots
n/a
- Average recovery
- 5 days
- 367 recovered episodes
- Longest recovery
- 91 days
- Trough to prior peak
19 Jun 2013 – 7 Oct 2013
Trough 19 Aug 2013 · recovered in 49 days
-3.5%
6 Mar 2020 – 18 Jun 2020
Trough 19 Mar 2020 · recovered in 91 days
-2.7%
7 Apr 2022 – 1 Aug 2022
Trough 6 May 2022 · recovered in 87 days
-1.9%
6 Dec 2016 – 24 Jan 2017
Trough 28 Dec 2016 · recovered in 27 days
-1.1%
Dimensions
0–100 reads of named metrics. The mean is unweighted and only uses dimensions with data.
Returns
64
Vs category
54
Consistency
62
Risk-adjusted
86
Drawdown
91
Mean
71
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
- The fund beat the category median in 65% of rolling 3-year windows.
- Three-year return is above the category median.
- Risk-adjusted return sits above the documented risk-free proxy.
- Peak-to-trough drawdown has stayed shallower than 15%.
Portfolio
30 Sept 2026 · 67 holdings · top 10 are 34.0%.
- Top 5
- 19.8%
- Top 10
- 34.0%
- Largest holding
- 4.8%
- Effective holdings
- 44.6
SIDDHIVINAYAK SECURITISATION TRUST SD TRUST PTC 15SEPT25
Unspecified
4.8%
GMR AIRPORTS LIMITED 5 BD 13FB27 FVRS1LAC
Industrials
4.5%
NATIONAL BANK FOR AGRICULTURE AND RURAL DEVELOPMENT SR 25G 7.48 BD 15SP28 FVRS1LAC
Financial
3.5%
182 DTB (18-MAR-2027)
Financial
3.5%
JUBILANT BEVERAGES LIMITED NCD 31MY28 FVRS1LAC
Consumer Staples
3.4%
Worth investigating
Same-category peers with enough history to inspect beside this fund - including tradeoffs.
HSBC Medium Term Fund
HSBC Mutual Fund
- 1Y
- +4.3%
- 3Y
- +7.5%
- Vol
- 1.2%
- Max DD
- -1.0%
- Sharpe
- 1.25
- 3Y win
- +87%
- Lower volatility
- Shallower drawdown
- Higher win rate vs category
- Lower TER
Caveat: Lower trailing returns
Aditya Birla Sun Life Medium Term Fund
Aditya Birla Sun Life Mutual Fund
- 1Y
- +7.5%
- 3Y
- +10.4%
- Vol
- 5.6%
- Max DD
- -12.6%
- Sharpe
- 0.67
- 3Y win
- +67%
- Higher win rate vs category
- Higher trailing returns
Caveat: Higher volatility · Deeper drawdown · Higher TER
Axis Medium Term Fund
Axis Mutual Fund
- 1Y
- +5.3%
- 3Y
- +8.1%
- Vol
- 2.5%
- Max DD
- -7.3%
- Sharpe
- 1.03
- 3Y win
- +100%
- Higher win rate vs category
- Higher trailing returns
Caveat: Higher volatility · Deeper drawdown · Higher TER
ICICI Prudential Medium Term Fund
ICICI Prudential Mutual Fund
- 1Y
- +5.6%
- 3Y
- +8.1%
- Vol
- 1.9%
- Max DD
- -5.1%
- Sharpe
- 1.29
- 3Y win
- +80%
- Higher win rate vs category
- Higher trailing returns
Caveat: Higher volatility · Deeper drawdown · Higher TER
Invesco India Medium Term Fund
Invesco Mutual Fund
- 1Y
- +3.6%
- 3Y
- +6.9%
- Vol
- 1.5%
- Max DD
- -2.3%
- Sharpe
- -0.00
- 3Y win
- 0%
- Lower volatility
- Shallower drawdown
- Lower TER
Caveat: Lower trailing returns