HealthyDirect · GrowthFit for a long SIP
HDFC Transportation and Logistics Fund
HDFC Mutual FundEquity Scheme - Sectoral/ Thematic3.2 years
The scheme seeks to provide long-term capital appreciation by investing predominantly in equity and equity related securities under Transportation and Logistics theme.
- NAV
- 19.233
- 30 Oct 2026
- 1Y
- +2.5%
- Trailing CAGR
- AUM
- ₹2,043.11 Cr
- 30 Sept 2026
- Volatility
- High
- 16.9% 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 100% of rolling 3-year windows.
Fits if · Three-year return is above the category median.
Buy checklist
History depth
Watch
3.2 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
Pass
1.16% TER (Direct). Lower cost compounds on long SIPs.
Drawdown vs peers
Pass
Peak-to-trough -23.5%. Ask whether you can hold through a similar fall.
Vs category
Pass
100% of rolling 3Y windows beat the category median, same plan and option.
Manager tenure
Pass
Dhruv Muchhal · 3.3 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
Watch
Top 10 holdings ≈ 64.9% of the portfolio.
Evidence supports a shortlist - confirm with peers before you buy elsewhere.
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 24%. 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
If you start a SIP here, diary a 90-day check and an annual review - don’t react to every NAV print.
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+2.5%
- 3Y+23.5%
- 5Yn/a
- 10Yn/a
- SI+22.6%
SIP XIRR
Equal monthly instalments to latest NAV
- 1Y+8.3%
- 3Y+14.3%
- 5Yn/a
- 10Yn/a
- Since inception
- +22.6%
- Calendar-day CAGR
- Excess 1Y
- +4.9%
- Category median, same plan and option
- 3Y win rate
- +100%
- Windows beating the median
- 3Y percentile
- 94
- Vs comparable share classes
- SIP 3Y XIRR
- +14.3%
- Simulated monthly SIP
- Worst rolling 3Y
- +21.0%
- 52 daily-ending windows
- Median rolling 3Y
- +24.6%
- 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
- -23.5%
- Worst peak-to-trough
- Current
- -9.4%
- Below last peak
- Current spell
- 71 days
- Days below latest peak
- Time below peak
- +83%
- NAV observations
Drawdown
Path not in current snapshots
n/a
- Average recovery
- 10 days
- 46 recovered episodes
- Longest recovery
- 133 days
- Trough to prior peak
27 Sept 2024 – 18 Aug 2025
Trough 7 Apr 2025 · recovered in 133 days
-23.5%
5 Jan 2026 – 2 Jul 2026
Trough 30 Mar 2026 · recovered in 94 days
-16.7%
20 Aug 2026 – open
Trough 23 Oct 2026 · not recovered
-12.8%
5 Mar 2024 – 26 Mar 2024
Trough 13 Mar 2024 · recovered in 13 days
-5.9%
Dimensions
0–100 reads of named metrics. The mean is unweighted and only uses dimensions with data.
Returns
94
Vs category
81
Consistency
93
Risk-adjusted
74
Drawdown
41
Mean
77
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 100% of rolling 3-year windows.
- Three-year return is above the category median.
- Risk-adjusted return sits above the documented risk-free proxy.
Portfolio
30 Sept 2026 · 36 holdings · top 10 are 64.9%.
- Top 5
- 41.8%
- Top 10
- 64.9%
- Largest holding
- 9.4%
- Effective holdings
- 18.7
Zomato Ltd
Technology
9.4%
Maruti Suzuki India Ltd
Consumer Discretionary
8.8%
Eicher Motors Ltd
Consumer Discretionary
8.8%
Bosch Ltd
Consumer Discretionary
7.9%
Sona BLW Precision Forgings Ltd
Consumer Discretionary
6.9%
What changed
PERFORMANCE
Recent rolling excess versus the category median has deteriorated.
19 Oct 2026
DECISION
Status moved from HEALTHY to MONITOR.
19 Oct 2026
Worth investigating
Same-category peers with enough history to inspect beside this fund - including tradeoffs.
Kotak Business Cycle Fund
Kotak Mahindra Mutual Fund
- 1Y
- -0.1%
- 3Y
- +15.8%
- Vol
- 12.7%
- Max DD
- -18.4%
- Sharpe
- 0.70
- 3Y win
- +98%
- Lower volatility
- Shallower drawdown
- Lower TER
Caveat: Lower trailing returns
Nippon India Innovation Fund
Nippon India Mutual Fund
- 1Y
- -5.1%
- 3Y
- +12.8%
- Vol
- 14.3%
- Max DD
- -21.5%
- Sharpe
- 0.46
- 3Y win
- +100%
- Lower volatility
- Shallower drawdown
- Lower TER
Caveat: Lower trailing returns
Aditya Birla Sun Life Business Cycle Fund
Aditya Birla Sun Life Mutual Fund
- 1Y
- -0.1%
- 3Y
- +12.7%
- Vol
- 13.9%
- Max DD
- -17.8%
- Sharpe
- 0.38
- 3Y win
- +13%
- Lower volatility
- Shallower drawdown
Caveat: Higher TER · Lower trailing returns
Baroda BNP Paribas Energy Opportunities Fund
Baroda BNP Paribas Mutual Fund
- 1Y
- -7.4%
- 3Y
- n/a
- Vol
- 13.9%
- Max DD
- -16.1%
- Sharpe
- 0.01
- 3Y win
- n/a
- Lower volatility
- Shallower drawdown
Caveat: Higher TER · Lower trailing returns
Baroda BNP Paribas Innovation Fund
Baroda BNP Paribas Mutual Fund
- 1Y
- +4.8%
- 3Y
- n/a
- Vol
- 15.9%
- Max DD
- -22.3%
- Sharpe
- 0.45
- 3Y win
- n/a
- Lower volatility
- Shallower drawdown
Caveat: Higher TER · Lower trailing returns