+91-22-4891390910 Best HDFC MF SIP Funds 2026
Investing regularly and wisely is the key to building long-term wealth. In India, Systematic Investment plan (SIPs) have emerged as the most popular method for disciplined investing. Among all fund houses, HDFC Mutual Fund stands out as a trusted name with decades of experience, a robust research team, and consistent fund performance.
Whether you’re planning for your child’s education, marriage, buying a house, or securing retirement, HDFC SIPs can help you achieve your Financial goals without worrying about timing the market.
Why Invest in HDFC Mutual Fund SIP?
HDFC Mutual Fund is one of India’s largest and most reliable Asset Management Companies (AMC), managing an AUM of over ₹5 lakh crore. Investors prefer HDFC SIPs due to:
- Low Minimum Investment - Start SIP with as little as ₹500/month.
- Expert Fund Management - Experienced fund managers like Prashant Jain ensure disciplined investing.
- Range of Funds - From equity and hybrid to debt funds, HDFC offers solutions for every risk appetite.
- Legacy & Trust - HDFC has been a pioneer in Indian mutual fund industry, giving investors confidence in their money.
“HDFC SIPs are like building blocks — small, consistent investments that grow into a strong financial foundation.”
Benefits of Investing via HDFC SIPs
Investing through SIP has multiple advantages, especially when you stick to a long-term strategy:
Rupee Cost Averaging
SIPs reduce the impact of market Volatility. You buy more units when prices are low and fewer units when prices are high.
Power of Compounding
Small investments over a long period can generate substantial wealth. For example, ₹5,000/month for 15 years at 12% CAGR can grow to over ₹27 lakh.
Discipline in Investing
Auto-debit ensures regular investing, building financial discipline over time.
Goal-Oriented Planning
SIPs make it easier to plan for short-term and long-term goals like buying a house, funding education, or retirement.
Flexibility
You can pause, increase, or decrease SIP amounts based on your changing financial situation.
Talk to our investment specialist
Fund Selection Methodology used to find 9 funds
Best HDFC Equity SIP Mutual Funds 2026
Here’s a data-backed list of the top HDFC SIPs investors should consider. These are shortlisted based on AUM, NAV, peer average returns, and past performance.
Fund NAV Net Assets (Cr) Min SIP Investment 3 MO (%) 6 MO (%) 1 YR (%) 3 YR (%) 5 YR (%) 2024 (%) HDFC Infrastructure Fund Growth ₹47.818
↑ 0.18 ₹2,452 300 -1.9 1.4 17.3 27.3 23.8 2.2 HDFC Mid-Cap Opportunities Fund Growth ₹204.504
↑ 1.34 ₹92,642 300 -0.2 7 21.6 26.1 23 6.8 HDFC Equity Fund Growth ₹2,090.48
↑ 4.07 ₹96,295 300 0.6 6.1 17 22.2 20.3 11.4 HDFC Focused 30 Fund Growth ₹241.87
↑ 0.28 ₹26,537 300 1 6 16.9 21.9 21.5 10.9 HDFC Tax Saver Fund Growth ₹1,451.54
↑ 3.52 ₹17,163 500 -0.7 3.8 14.3 21.2 19.2 10.3 HDFC Growth Opportunities Fund Growth ₹346.246
↑ 1.39 ₹28,980 300 -1.7 3.7 15.7 20.4 18.5 6.1 HDFC Capital Builder Value Fund Growth ₹773.253
↑ 2.89 ₹7,652 300 -0.2 5.8 18.3 20.2 16.5 8.6 HDFC Small Cap Fund Growth ₹134.967
↑ 1.00 ₹37,753 300 -5.6 -2.7 14.1 18.7 21 -0.6 HDFC Top 100 Fund Growth ₹1,178.64
↑ 1.88 ₹40,604 300 0.3 5 12.1 16.1 14.3 7.9 Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 17 Feb 26 Research Highlights & Commentary of 9 Funds showcased
Commentary HDFC Infrastructure Fund HDFC Mid-Cap Opportunities Fund HDFC Equity Fund HDFC Focused 30 Fund HDFC Tax Saver Fund HDFC Growth Opportunities Fund HDFC Capital Builder Value Fund HDFC Small Cap Fund HDFC Top 100 Fund Point 1 Bottom quartile AUM (₹2,452 Cr). Top quartile AUM (₹92,642 Cr). Highest AUM (₹96,295 Cr). Lower mid AUM (₹26,537 Cr). Bottom quartile AUM (₹17,163 Cr). Lower mid AUM (₹28,980 Cr). Bottom quartile AUM (₹7,652 Cr). Upper mid AUM (₹37,753 Cr). Upper mid AUM (₹40,604 Cr). Point 2 Established history (17+ yrs). Established history (18+ yrs). Established history (31+ yrs). Established history (21+ yrs). Established history (29+ yrs). Oldest track record among peers (32 yrs). Established history (32+ yrs). Established history (17+ yrs). Established history (29+ yrs). Point 3 Rating: 3★ (top quartile). Rating: 3★ (upper mid). Rating: 3★ (upper mid). Rating: 3★ (lower mid). Rating: 2★ (bottom quartile). Rating: 2★ (bottom quartile). Rating: 3★ (lower mid). Top rated. Rating: 3★ (bottom quartile). Point 4 Risk profile: High. Risk profile: Moderately High. Risk profile: Moderately High. Risk profile: Moderately High. Risk profile: Moderately High. Risk profile: Moderately High. Risk profile: Moderately High. Risk profile: Moderately High. Risk profile: Moderately High. Point 5 5Y return: 23.79% (top quartile). 5Y return: 22.98% (top quartile). 5Y return: 20.32% (lower mid). 5Y return: 21.53% (upper mid). 5Y return: 19.22% (lower mid). 5Y return: 18.48% (bottom quartile). 5Y return: 16.54% (bottom quartile). 5Y return: 21.01% (upper mid). 5Y return: 14.31% (bottom quartile). Point 6 3Y return: 27.31% (top quartile). 3Y return: 26.12% (top quartile). 3Y return: 22.21% (upper mid). 3Y return: 21.89% (upper mid). 3Y return: 21.20% (lower mid). 3Y return: 20.40% (lower mid). 3Y return: 20.24% (bottom quartile). 3Y return: 18.73% (bottom quartile). 3Y return: 16.06% (bottom quartile). Point 7 1Y return: 17.31% (upper mid). 1Y return: 21.56% (top quartile). 1Y return: 16.99% (upper mid). 1Y return: 16.89% (lower mid). 1Y return: 14.25% (bottom quartile). 1Y return: 15.74% (lower mid). 1Y return: 18.34% (top quartile). 1Y return: 14.05% (bottom quartile). 1Y return: 12.09% (bottom quartile). Point 8 Alpha: 0.00 (lower mid). Alpha: 0.63 (lower mid). Alpha: 3.70 (top quartile). Alpha: 3.31 (top quartile). Alpha: 2.58 (upper mid). Alpha: -1.97 (bottom quartile). Alpha: 0.83 (upper mid). Alpha: 0.00 (bottom quartile). Alpha: -1.63 (bottom quartile). Point 9 Sharpe: -0.12 (bottom quartile). Sharpe: 0.12 (lower mid). Sharpe: 0.53 (top quartile). Sharpe: 0.52 (top quartile). Sharpe: 0.41 (upper mid). Sharpe: 0.07 (bottom quartile). Sharpe: 0.23 (upper mid). Sharpe: -0.23 (bottom quartile). Sharpe: 0.21 (lower mid). Point 10 Information ratio: 0.00 (bottom quartile). Information ratio: 0.44 (bottom quartile). Information ratio: 1.24 (top quartile). Information ratio: 0.99 (upper mid). Information ratio: 1.27 (top quartile). Information ratio: 0.47 (lower mid). Information ratio: 1.10 (upper mid). Information ratio: 0.00 (bottom quartile). Information ratio: 0.54 (lower mid). HDFC Infrastructure Fund
HDFC Mid-Cap Opportunities Fund
HDFC Equity Fund
HDFC Focused 30 Fund
HDFC Tax Saver Fund
HDFC Growth Opportunities Fund
HDFC Capital Builder Value Fund
HDFC Small Cap Fund
HDFC Top 100 Fund
To seek long-term capital appreciation by investing predominantly in equity and equity related securities of companies engaged in or expected to benefit from growth and development of infrastructure. Below is the key information for HDFC Infrastructure Fund Returns up to 1 year are on To generate long-term capital appreciation from a portfolio that is substantially constituted of equity and equity related securities of Small and Mid-Cap companies. Research Highlights for HDFC Mid-Cap Opportunities Fund Below is the key information for HDFC Mid-Cap Opportunities Fund Returns up to 1 year are on Aims at providing capital appreciation through investments predominantly in equity oriented securities Research Highlights for HDFC Equity Fund Below is the key information for HDFC Equity Fund Returns up to 1 year are on (Erstwhile HDFC Core & Satellite Fund) To generate capital appreciation through equity investment in companies whose shares are quoting at prices below their true value. Research Highlights for HDFC Focused 30 Fund Below is the key information for HDFC Focused 30 Fund Returns up to 1 year are on The fund plans to provide long term growth of capital. Research Highlights for HDFC Tax Saver Fund Below is the key information for HDFC Tax Saver Fund Returns up to 1 year are on (Erstwhile HDFC Large Cap Fund) The investment objective of the scheme is to achieve long-term capital appreciation by investing primarily in equity and equity related securities of companies having large market capitalization. Research Highlights for HDFC Growth Opportunities Fund Below is the key information for HDFC Growth Opportunities Fund Returns up to 1 year are on (Erstwhile HDFC Capital Builder Fund) The fund plans to achieve long term capital appreciation. Research Highlights for HDFC Capital Builder Value Fund Below is the key information for HDFC Capital Builder Value Fund Returns up to 1 year are on To provide long-term capital appreciation by investing predominantly in Small-Cap and Mid-Cap companies. Research Highlights for HDFC Small Cap Fund Below is the key information for HDFC Small Cap Fund Returns up to 1 year are on (Erstwhile HDFC Top 200) To generate long term capital appreciation from a portfolio of equity and equity linked instruments. The investment portfolio for equity and equity linked instruments will be primarily drawn from the companies in the BSE 200 Index.
Further, the Scheme may also invest in listed companies that would qualify to be in the top 200 by market capitalisation on the BSE even though they may not be listed on the BSE. This includes participation in large Ipos where in the market
capitalisation of the company based on issue price would make the company a part of the top 200 companies listed on the BSE based on market capitalisation. Research Highlights for HDFC Top 100 Fund Below is the key information for HDFC Top 100 Fund Returns up to 1 year are on 1. HDFC Infrastructure Fund
HDFC Infrastructure Fund
Growth Launch Date 10 Mar 08 NAV (17 Feb 26) ₹47.818 ↑ 0.18 (0.38 %) Net Assets (Cr) ₹2,452 on 31 Dec 25 Category Equity - Sectoral AMC HDFC Asset Management Company Limited Rating ☆☆☆ Risk High Expense Ratio 2.06 Sharpe Ratio -0.13 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 300 Exit Load 0-1 Years (1%),1 Years and above(NIL) Growth of 10,000 investment over the years.
Date Value 31 Jan 21 ₹10,000 31 Jan 22 ₹15,059 31 Jan 23 ₹16,950 31 Jan 24 ₹28,499 31 Jan 25 ₹31,485 31 Jan 26 ₹33,227 Returns for HDFC Infrastructure Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 17 Feb 26 Duration Returns 1 Month 2.5% 3 Month -1.9% 6 Month 1.4% 1 Year 17.3% 3 Year 27.3% 5 Year 23.8% 10 Year 15 Year Since launch Historical performance (Yearly) on absolute basis
Year Returns 2024 2.2% 2023 23% 2022 55.4% 2021 19.3% 2020 43.2% 2019 -7.5% 2018 -3.4% 2017 -29% 2016 43.3% 2015 -1.9% Fund Manager information for HDFC Infrastructure Fund
Name Since Tenure Dhruv Muchhal 22 Jun 23 2.62 Yr. Ashish Shah 1 Nov 25 0.25 Yr. Data below for HDFC Infrastructure Fund as on 31 Dec 25
Equity Sector Allocation
Sector Value Industrials 40.3% Financial Services 21.02% Basic Materials 10.31% Energy 7.4% Utility 7.38% Communication Services 4.32% Real Estate 2.99% Health Care 1.84% Technology 1.33% Consumer Cyclical 0.67% Asset Allocation
Asset Class Value Cash 2.44% Equity 97.56% Top Securities Holdings / Portfolio
Name Holding Value Quantity Larsen & Toubro Ltd (Industrials)
Equity, Since 30 Jun 12 | LT7% ₹159 Cr 403,500
↑ 6,000 ICICI Bank Ltd (Financial Services)
Equity, Since 31 Oct 09 | ICICIBANK6% ₹149 Cr 1,100,000 HDFC Bank Ltd (Financial Services)
Equity, Since 31 Aug 23 | HDFCBANK5% ₹130 Cr 1,400,000 Kalpataru Projects International Ltd (Industrials)
Equity, Since 31 Jan 23 | KPIL4% ₹87 Cr 758,285 J Kumar Infraprojects Ltd (Industrials)
Equity, Since 31 Oct 15 | JKIL3% ₹80 Cr 1,400,000 NTPC Ltd (Utilities)
Equity, Since 31 Dec 17 | NTPC3% ₹78 Cr 2,200,000 State Bank of India (Financial Services)
Equity, Since 31 Mar 08 | SBIN3% ₹76 Cr 704,361 Reliance Industries Ltd (Energy)
Equity, Since 31 May 24 | RELIANCE3% ₹70 Cr 500,000 InterGlobe Aviation Ltd (Industrials)
Equity, Since 31 Dec 21 | INDIGO3% ₹69 Cr 150,000 Bharti Airtel Ltd (Communication Services)
Equity, Since 30 Sep 20 | BHARTIARTL3% ₹69 Cr 350,000 2. HDFC Mid-Cap Opportunities Fund
HDFC Mid-Cap Opportunities Fund
Growth Launch Date 25 Jun 07 NAV (17 Feb 26) ₹204.504 ↑ 1.34 (0.66 %) Net Assets (Cr) ₹92,642 on 31 Dec 25 Category Equity - Mid Cap AMC HDFC Asset Management Company Limited Rating ☆☆☆ Risk Moderately High Expense Ratio 1.4 Sharpe Ratio 0.12 Information Ratio 0.44 Alpha Ratio 0.63 Min Investment 5,000 Min SIP Investment 300 Exit Load 0-1 Years (1%),1 Years and above(NIL) Growth of 10,000 investment over the years.
Date Value 31 Jan 21 ₹10,000 31 Jan 22 ₹14,198 31 Jan 23 ₹15,668 31 Jan 24 ₹23,837 31 Jan 25 ₹27,373 31 Jan 26 ₹30,843 Returns for HDFC Mid-Cap Opportunities Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 17 Feb 26 Duration Returns 1 Month 1.1% 3 Month -0.2% 6 Month 7% 1 Year 21.6% 3 Year 26.1% 5 Year 23% 10 Year 15 Year Since launch 17.6% Historical performance (Yearly) on absolute basis
Year Returns 2024 6.8% 2023 28.6% 2022 44.5% 2021 12.3% 2020 39.9% 2019 21.7% 2018 0.2% 2017 -11.2% 2016 41.7% 2015 11.3% Fund Manager information for HDFC Mid-Cap Opportunities Fund
Name Since Tenure Chirag Setalvad 25 Jun 07 18.62 Yr. Dhruv Muchhal 22 Jun 23 2.61 Yr. Data below for HDFC Mid-Cap Opportunities Fund as on 31 Dec 25
Equity Sector Allocation
Sector Value Financial Services 28.17% Consumer Cyclical 16.14% Health Care 12.84% Technology 9.69% Industrials 9.41% Consumer Defensive 6.78% Basic Materials 5.03% Energy 2.57% Communication Services 2.43% Utility 0.99% Asset Allocation
Asset Class Value Cash 5.95% Equity 94.05% Top Securities Holdings / Portfolio
Name Holding Value Quantity Max Financial Services Ltd (Financial Services)
Equity, Since 31 Oct 14 | MFSL5% ₹4,162 Cr 25,792,853 AU Small Finance Bank Ltd (Financial Services)
Equity, Since 30 Nov 23 | AUBANK4% ₹3,861 Cr 39,301,056
↑ 100,000 The Federal Bank Ltd (Financial Services)
Equity, Since 31 Oct 09 | FEDERALBNK4% ₹3,678 Cr 127,825,000 Indian Bank (Financial Services)
Equity, Since 31 Oct 11 | INDIANB4% ₹3,360 Cr 36,854,482 Balkrishna Industries Ltd (Consumer Cyclical)
Equity, Since 31 Mar 12 | BALKRISIND3% ₹3,049 Cr 13,224,300 Ipca Laboratories Ltd (Healthcare)
Equity, Since 31 Jul 07 | IPCALAB3% ₹2,647 Cr 17,994,512
↑ 74,143 Coforge Ltd (Technology)
Equity, Since 30 Jun 22 | COFORGE3% ₹2,583 Cr 15,620,600 Glenmark Pharmaceuticals Ltd (Healthcare)
Equity, Since 31 Jan 18 | GLENMARK3% ₹2,555 Cr 12,675,440
↑ 39,362 Fortis Healthcare Ltd (Healthcare)
Equity, Since 30 Nov 23 | FORTIS3% ₹2,417 Cr 28,387,340
↑ 553,296 Hindustan Petroleum Corp Ltd (Energy)
Equity, Since 30 Sep 21 | HINDPETRO3% ₹2,371 Cr 55,530,830 3. HDFC Equity Fund
HDFC Equity Fund
Growth Launch Date 1 Jan 95 NAV (17 Feb 26) ₹2,090.48 ↑ 4.07 (0.19 %) Net Assets (Cr) ₹96,295 on 31 Dec 25 Category Equity - Multi Cap AMC HDFC Asset Management Company Limited Rating ☆☆☆ Risk Moderately High Expense Ratio 1.44 Sharpe Ratio 0.53 Information Ratio 1.24 Alpha Ratio 3.7 Min Investment 5,000 Min SIP Investment 300 Exit Load 0-1 Years (1%),1 Years and above(NIL) Growth of 10,000 investment over the years.
Date Value 31 Jan 21 ₹10,000 31 Jan 22 ₹14,188 31 Jan 23 ₹15,801 31 Jan 24 ₹21,419 31 Jan 25 ₹25,237 31 Jan 26 ₹28,444 Returns for HDFC Equity Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 17 Feb 26 Duration Returns 1 Month 1% 3 Month 0.6% 6 Month 6.1% 1 Year 17% 3 Year 22.2% 5 Year 20.3% 10 Year 15 Year Since launch 18.7% Historical performance (Yearly) on absolute basis
Year Returns 2024 11.4% 2023 23.5% 2022 30.6% 2021 18.3% 2020 36.2% 2019 6.4% 2018 6.8% 2017 -3.5% 2016 36.9% 2015 7.3% Fund Manager information for HDFC Equity Fund
Name Since Tenure Amit Ganatra 1 Feb 26 0 Yr. Dhruv Muchhal 22 Jun 23 2.62 Yr. Data below for HDFC Equity Fund as on 31 Dec 25
Equity Sector Allocation
Sector Value Financial Services 38.68% Consumer Cyclical 14.21% Health Care 6.72% Technology 5.66% Basic Materials 5.43% Industrials 4.48% Utility 2.4% Real Estate 2.32% Communication Services 2.22% Energy 1.52% Consumer Defensive 0.8% Asset Allocation
Asset Class Value Cash 15.03% Equity 84.44% Debt 0.53% Top Securities Holdings / Portfolio
Name Holding Value Quantity ICICI Bank Ltd (Financial Services)
Equity, Since 31 Oct 09 | ICICIBANK9% ₹8,672 Cr 64,000,000 HDFC Bank Ltd (Financial Services)
Equity, Since 31 Jul 13 | HDFCBANK8% ₹7,620 Cr 82,000,000 Axis Bank Ltd (Financial Services)
Equity, Since 31 Oct 17 | AXISBANK8% ₹7,400 Cr 54,000,000 State Bank of India (Financial Services)
Equity, Since 31 Jan 03 | SBIN5% ₹4,739 Cr 44,000,000 SBI Life Insurance Co Ltd (Financial Services)
Equity, Since 31 Mar 21 | SBILIFE4% ₹3,997 Cr 20,000,000 Kotak Mahindra Bank Ltd (Financial Services)
Equity, Since 31 Oct 23 | KOTAKBANK4% ₹3,713 Cr 91,000,000 HCL Technologies Ltd (Technology)
Equity, Since 30 Sep 20 | HCLTECH3% ₹3,052 Cr 18,000,000 Maruti Suzuki India Ltd (Consumer Cyclical)
Equity, Since 31 Dec 23 | MARUTI3% ₹2,920 Cr 2,000,000 Cipla Ltd (Healthcare)
Equity, Since 30 Sep 12 | CIPLA3% ₹2,780 Cr 21,000,000 Power Grid Corp Of India Ltd (Utilities)
Equity, Since 30 Sep 23 | POWERGRID2% ₹2,334 Cr 91,000,000 4. HDFC Focused 30 Fund
HDFC Focused 30 Fund
Growth Launch Date 17 Sep 04 NAV (17 Feb 26) ₹241.87 ↑ 0.28 (0.12 %) Net Assets (Cr) ₹26,537 on 31 Dec 25 Category Equity - Focused AMC HDFC Asset Management Company Limited Rating ☆☆☆ Risk Moderately High Expense Ratio 1.68 Sharpe Ratio 0.52 Information Ratio 0.99 Alpha Ratio 3.31 Min Investment 5,000 Min SIP Investment 300 Exit Load 0-1 Years (1%),1 Years and above(NIL) Growth of 10,000 investment over the years.
Date Value 31 Jan 21 ₹10,000 31 Jan 22 ₹14,597 31 Jan 23 ₹16,502 31 Jan 24 ₹22,272 31 Jan 25 ₹26,316 31 Jan 26 ₹29,351 Returns for HDFC Focused 30 Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 17 Feb 26 Duration Returns 1 Month 1.7% 3 Month 1% 6 Month 6% 1 Year 16.9% 3 Year 21.9% 5 Year 21.5% 10 Year 15 Year Since launch 16% Historical performance (Yearly) on absolute basis
Year Returns 2024 10.9% 2023 24% 2022 29.6% 2021 18.3% 2020 40.1% 2019 4.2% 2018 3.8% 2017 -14.6% 2016 38.7% 2015 2.1% Fund Manager information for HDFC Focused 30 Fund
Name Since Tenure Amit Ganatra 1 Feb 26 0 Yr. Dhruv Muchhal 22 Jun 23 2.61 Yr. Data below for HDFC Focused 30 Fund as on 31 Dec 25
Equity Sector Allocation
Sector Value Financial Services 44.47% Consumer Cyclical 19.81% Health Care 6.82% Industrials 5.65% Technology 4.8% Communication Services 3.6% Utility 2.63% Basic Materials 2.35% Real Estate 1.76% Asset Allocation
Asset Class Value Cash 7.92% Equity 91.88% Debt 0.19% Top Securities Holdings / Portfolio
Name Holding Value Quantity HDFC Bank Ltd (Financial Services)
Equity, Since 31 Jul 17 | HDFCBANK10% ₹2,604 Cr 28,026,520
↑ 3,441,399 ICICI Bank Ltd (Financial Services)
Equity, Since 31 Jul 12 | ICICIBANK10% ₹2,534 Cr 18,700,000
↑ 1,000,000 Axis Bank Ltd (Financial Services)
Equity, Since 30 Sep 18 | AXISBANK8% ₹2,056 Cr 15,000,000 Kotak Mahindra Bank Ltd (Financial Services)
Equity, Since 30 Sep 23 | KOTAKBANK6% ₹1,541 Cr 37,772,860
↑ 8,416,480 State Bank of India (Financial Services)
Equity, Since 30 Apr 12 | SBIN6% ₹1,476 Cr 13,700,000 HCL Technologies Ltd (Technology)
Equity, Since 30 Apr 22 | HCLTECH5% ₹1,263 Cr 7,450,000 Cipla Ltd (Healthcare)
Equity, Since 31 Jan 22 | CIPLA4% ₹1,011 Cr 7,635,011
↑ 1,635,011 Maruti Suzuki India Ltd (Consumer Cyclical)
Equity, Since 31 Jan 24 | MARUTI4% ₹998 Cr 683,589
↑ 58,589 Bharti Airtel Ltd (Communication Services)
Equity, Since 31 Aug 20 | BHARTIARTL4% ₹948 Cr 4,814,949
↑ 1,814,949 SBI Life Insurance Co Ltd (Financial Services)
Equity, Since 31 Jan 22 | SBILIFE4% ₹939 Cr 4,700,000 5. HDFC Tax Saver Fund
HDFC Tax Saver Fund
Growth Launch Date 31 Mar 96 NAV (17 Feb 26) ₹1,451.54 ↑ 3.52 (0.24 %) Net Assets (Cr) ₹17,163 on 31 Dec 25 Category Equity - ELSS AMC HDFC Asset Management Company Limited Rating ☆☆ Risk Moderately High Expense Ratio 1.7 Sharpe Ratio 0.41 Information Ratio 1.27 Alpha Ratio 2.58 Min Investment 500 Min SIP Investment 500 Exit Load NIL Growth of 10,000 investment over the years.
Date Value 31 Jan 21 ₹10,000 31 Jan 22 ₹13,546 31 Jan 23 ₹14,805 31 Jan 24 ₹20,534 31 Jan 25 ₹23,746 31 Jan 26 ₹26,158 Returns for HDFC Tax Saver Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 17 Feb 26 Duration Returns 1 Month 0.5% 3 Month -0.7% 6 Month 3.8% 1 Year 14.3% 3 Year 21.2% 5 Year 19.2% 10 Year 15 Year Since launch Historical performance (Yearly) on absolute basis
Year Returns 2024 10.3% 2023 21.3% 2022 33.2% 2021 10.5% 2020 35.3% 2019 5.8% 2018 3.7% 2017 -10.9% 2016 38.7% 2015 7.6% Fund Manager information for HDFC Tax Saver Fund
Name Since Tenure Amar Kalkundrikar 8 Dec 25 0.15 Yr. Dhruv Muchhal 22 Jun 23 2.62 Yr. Data below for HDFC Tax Saver Fund as on 31 Dec 25
Equity Sector Allocation
Sector Value Financial Services 44.36% Consumer Cyclical 16.64% Technology 7.72% Health Care 5.58% Industrials 5.36% Basic Materials 5.23% Communication Services 4.36% Consumer Defensive 4.2% Energy 3.89% Utility 1.53% Asset Allocation
Asset Class Value Cash 0.82% Equity 98.88% Debt 0.31% Top Securities Holdings / Portfolio
Name Holding Value Quantity HDFC Bank Ltd (Financial Services)
Equity, Since 31 Mar 15 | HDFCBANK9% ₹1,543 Cr 16,600,000 ICICI Bank Ltd (Financial Services)
Equity, Since 31 Oct 09 | ICICIBANK9% ₹1,491 Cr 11,000,000 Axis Bank Ltd (Financial Services)
Equity, Since 31 Oct 18 | AXISBANK9% ₹1,445 Cr 10,543,395
↓ -1,456,605 SBI Life Insurance Co Ltd (Financial Services)
Equity, Since 31 Jan 22 | SBILIFE5% ₹899 Cr 4,500,000 Maruti Suzuki India Ltd (Consumer Cyclical)
Equity, Since 31 Jan 24 | MARUTI5% ₹803 Cr 550,000 State Bank of India (Financial Services)
Equity, Since 31 Dec 06 | SBIN5% ₹754 Cr 7,000,000 Kotak Mahindra Bank Ltd (Financial Services)
Equity, Since 31 Dec 23 | KOTAKBANK4% ₹714 Cr 17,500,000 Bharti Airtel Ltd (Communication Services)
Equity, Since 30 Nov 19 | BHARTIARTL4% ₹669 Cr 3,400,000 HCL Technologies Ltd (Technology)
Equity, Since 30 Sep 20 | HCLTECH3% ₹568 Cr 3,350,000 Reliance Industries Ltd (Energy)
Equity, Since 31 Jan 15 | RELIANCE3% ₹464 Cr 3,325,000
↑ 875,000 6. HDFC Growth Opportunities Fund
HDFC Growth Opportunities Fund
Growth Launch Date 18 Feb 94 NAV (17 Feb 26) ₹346.246 ↑ 1.39 (0.40 %) Net Assets (Cr) ₹28,980 on 31 Dec 25 Category Equity - Large & Mid Cap AMC HDFC Asset Management Company Limited Rating ☆☆ Risk Moderately High Expense Ratio 1.66 Sharpe Ratio 0.07 Information Ratio 0.47 Alpha Ratio -1.97 Min Investment 5,000 Min SIP Investment 300 Exit Load 0-1 Years (1%),1 Years and above(NIL) Growth of 10,000 investment over the years.
Date Value 31 Jan 21 ₹10,000 31 Jan 22 ₹14,356 31 Jan 23 ₹15,126 31 Jan 24 ₹21,839 31 Jan 25 ₹24,096 31 Jan 26 ₹25,977 Returns for HDFC Growth Opportunities Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 17 Feb 26 Duration Returns 1 Month 0.4% 3 Month -1.7% 6 Month 3.7% 1 Year 15.7% 3 Year 20.4% 5 Year 18.5% 10 Year 15 Year Since launch 12.8% Historical performance (Yearly) on absolute basis
Year Returns 2024 6.1% 2023 19.4% 2022 37.7% 2021 8.2% 2020 43.1% 2019 11.4% 2018 6.6% 2017 -3.8% 2016 29.4% 2015 3.9% Fund Manager information for HDFC Growth Opportunities Fund
Name Since Tenure Gopal Agrawal 16 Jul 20 5.55 Yr. Dhruv Muchhal 22 Jun 23 2.61 Yr. Data below for HDFC Growth Opportunities Fund as on 31 Dec 25
Equity Sector Allocation
Sector Value Financial Services 31.48% Consumer Cyclical 13.7% Health Care 12.05% Technology 10.23% Industrials 9.78% Basic Materials 7.09% Utility 3.4% Energy 3.18% Communication Services 3.08% Consumer Defensive 3.05% Real Estate 2.14% Asset Allocation
Asset Class Value Cash 0.8% Equity 99.2% Top Securities Holdings / Portfolio
Name Holding Value Quantity HDFC Bank Ltd (Financial Services)
Equity, Since 31 Jan 03 | HDFCBANK5% ₹1,363 Cr 14,664,794 ICICI Bank Ltd (Financial Services)
Equity, Since 31 Aug 12 | ICICIBANK3% ₹935 Cr 6,900,836 Axis Bank Ltd (Financial Services)
Equity, Since 30 Sep 22 | AXISBANK2% ₹582 Cr 4,250,000 Bharti Airtel Ltd (Communication Services)
Equity, Since 31 Jan 22 | BHARTIARTL2% ₹563 Cr 2,857,420 Infosys Ltd (Technology)
Equity, Since 30 Jun 04 | INFY2% ₹530 Cr 3,231,484 State Bank of India (Financial Services)
Equity, Since 30 Jun 14 | SBIN2% ₹453 Cr 4,210,091 Mphasis Ltd (Technology)
Equity, Since 31 Oct 21 | MPHASIS2% ₹424 Cr 1,537,999 Max Financial Services Ltd (Financial Services)
Equity, Since 30 Jun 18 | MFSL1% ₹420 Cr 2,602,017 Fortis Healthcare Ltd (Healthcare)
Equity, Since 31 Mar 24 | FORTIS1% ₹403 Cr 4,733,349 Mahindra & Mahindra Financial Services Ltd (Financial Services)
Equity, Since 30 Apr 21 | M&MFIN1% ₹369 Cr 9,829,103 7. HDFC Capital Builder Value Fund
HDFC Capital Builder Value Fund
Growth Launch Date 1 Feb 94 NAV (17 Feb 26) ₹773.253 ↑ 2.89 (0.37 %) Net Assets (Cr) ₹7,652 on 31 Dec 25 Category Equity - Value AMC HDFC Asset Management Company Limited Rating ☆☆☆ Risk Moderately High Expense Ratio 1.84 Sharpe Ratio 0.23 Information Ratio 1.1 Alpha Ratio 0.83 Min Investment 5,000 Min SIP Investment 300 Exit Load 0-1 Years (1%),1 Years and above(NIL) Growth of 10,000 investment over the years.
Date Value 31 Jan 21 ₹10,000 31 Jan 22 ₹13,629 31 Jan 23 ₹13,764 31 Jan 24 ₹18,617 31 Jan 25 ₹21,119 31 Jan 26 ₹23,401 Returns for HDFC Capital Builder Value Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 17 Feb 26 Duration Returns 1 Month 1.1% 3 Month -0.2% 6 Month 5.8% 1 Year 18.3% 3 Year 20.2% 5 Year 16.5% 10 Year 15 Year Since launch 14.8% Historical performance (Yearly) on absolute basis
Year Returns 2024 8.6% 2023 20.7% 2022 29.6% 2021 3.6% 2020 35.6% 2019 12.9% 2018 0% 2017 -5.5% 2016 42.3% 2015 3.8% Fund Manager information for HDFC Capital Builder Value Fund
Name Since Tenure Anand Laddha 1 Feb 24 2 Yr. Dhruv Muchhal 22 Jun 23 2.61 Yr. Data below for HDFC Capital Builder Value Fund as on 31 Dec 25
Equity Sector Allocation
Sector Value Financial Services 37.24% Consumer Cyclical 10.33% Technology 10.01% Industrials 8.58% Health Care 7.4% Consumer Defensive 5.86% Utility 4.48% Communication Services 4.37% Basic Materials 3.94% Real Estate 3.8% Energy 3.68% Asset Allocation
Asset Class Value Cash 0.29% Equity 99.71% Top Securities Holdings / Portfolio
Name Holding Value Quantity ICICI Bank Ltd (Financial Services)
Equity, Since 31 Oct 09 | ICICIBANK7% ₹535 Cr 3,950,000 HDFC Bank Ltd (Financial Services)
Equity, Since 30 Sep 11 | HDFCBANK7% ₹493 Cr 5,300,000 Axis Bank Ltd (Financial Services)
Equity, Since 28 Feb 09 | AXISBANK5% ₹343 Cr 2,500,000 State Bank of India (Financial Services)
Equity, Since 31 Aug 20 | SBIN4% ₹302 Cr 2,800,000
↓ -100,000 Infosys Ltd (Technology)
Equity, Since 31 Jul 09 | INFY4% ₹287 Cr 1,749,077 Bharti Airtel Ltd (Communication Services)
Equity, Since 31 May 20 | BHARTIARTL3% ₹256 Cr 1,300,000 Larsen & Toubro Ltd (Industrials)
Equity, Since 31 Oct 20 | LT3% ₹206 Cr 525,000 AU Small Finance Bank Ltd (Financial Services)
Equity, Since 31 Aug 24 | AUBANK3% ₹206 Cr 2,100,000
↓ -57,161 Bharat Electronics Ltd (Industrials)
Equity, Since 30 Jun 20 | BEL2% ₹180 Cr 4,000,000 NTPC Ltd (Utilities)
Equity, Since 31 Aug 17 | NTPC2% ₹178 Cr 5,000,000 8. HDFC Small Cap Fund
HDFC Small Cap Fund
Growth Launch Date 3 Apr 08 NAV (17 Feb 26) ₹134.967 ↑ 1.00 (0.75 %) Net Assets (Cr) ₹37,753 on 31 Dec 25 Category Equity - Small Cap AMC HDFC Asset Management Company Limited Rating ☆☆☆☆ Risk Moderately High Expense Ratio 1.58 Sharpe Ratio -0.23 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 300 Exit Load 0-1 Years (1%),1 Years and above(NIL) Growth of 10,000 investment over the years.
Date Value 31 Jan 21 ₹10,000 31 Jan 22 ₹16,272 31 Jan 23 ₹17,049 31 Jan 24 ₹26,272 31 Jan 25 ₹27,387 31 Jan 26 ₹28,831 Returns for HDFC Small Cap Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 17 Feb 26 Duration Returns 1 Month -0.1% 3 Month -5.6% 6 Month -2.7% 1 Year 14.1% 3 Year 18.7% 5 Year 21% 10 Year 15 Year Since launch 15.7% Historical performance (Yearly) on absolute basis
Year Returns 2024 -0.6% 2023 20.4% 2022 44.8% 2021 4.6% 2020 64.9% 2019 20.2% 2018 -9.5% 2017 -8.1% 2016 60.8% 2015 5.4% Fund Manager information for HDFC Small Cap Fund
Name Since Tenure Chirag Setalvad 28 Jun 14 11.61 Yr. Dhruv Muchhal 22 Jun 23 2.62 Yr. Data below for HDFC Small Cap Fund as on 31 Dec 25
Equity Sector Allocation
Sector Value Industrials 22.09% Consumer Cyclical 19.49% Financial Services 13.8% Technology 12.74% Health Care 10.57% Basic Materials 7.2% Consumer Defensive 4.17% Communication Services 1.45% Asset Allocation
Asset Class Value Cash 8.5% Equity 91.5% Top Securities Holdings / Portfolio
Name Holding Value Quantity Firstsource Solutions Ltd (Technology)
Equity, Since 31 Mar 18 | FSL5% ₹1,768 Cr 55,264,362 Bank of Baroda (Financial Services)
Equity, Since 31 Mar 19 | BANKBARODA4% ₹1,402 Cr 46,828,792 eClerx Services Ltd (Technology)
Equity, Since 31 Mar 18 | ECLERX4% ₹1,396 Cr 3,001,989
↓ -139,255 Aster DM Healthcare Ltd Ordinary Shares (Healthcare)
Equity, Since 30 Jun 19 | ASTERDM4% ₹1,321 Cr 23,927,134 Eris Lifesciences Ltd Registered Shs (Healthcare)
Equity, Since 31 Jul 23 | ERIS2% ₹902 Cr 6,556,651
↑ 50,000 Indian Bank (Financial Services)
Equity, Since 31 Jul 16 | INDIANB2% ₹883 Cr 9,688,128 Gabriel India Ltd (Consumer Cyclical)
Equity, Since 31 Oct 18 | GABRIEL2% ₹863 Cr 9,243,189
↑ 19,814 Fortis Healthcare Ltd (Healthcare)
Equity, Since 31 Jul 23 | FORTIS2% ₹804 Cr 9,440,132 Krishna Institute of Medical Sciences Ltd (Healthcare)
Equity, Since 31 Jul 23 | 5433082% ₹672 Cr 11,127,166 Great Eastern Shipping Co Ltd (Industrials)
Equity, Since 31 Jan 15 | GESHIP2% ₹629 Cr 5,229,582 9. HDFC Top 100 Fund
HDFC Top 100 Fund
Growth Launch Date 11 Oct 96 NAV (17 Feb 26) ₹1,178.64 ↑ 1.88 (0.16 %) Net Assets (Cr) ₹40,604 on 31 Dec 25 Category Equity - Large Cap AMC HDFC Asset Management Company Limited Rating ☆☆☆ Risk Moderately High Expense Ratio 1.61 Sharpe Ratio 0.21 Information Ratio 0.54 Alpha Ratio -1.63 Min Investment 5,000 Min SIP Investment 300 Exit Load 0-1 Years (1%),1 Years and above(NIL) Growth of 10,000 investment over the years.
Date Value 31 Jan 21 ₹10,000 31 Jan 22 ₹13,170 31 Jan 23 ₹14,039 31 Jan 24 ₹18,799 31 Jan 25 ₹20,355 31 Jan 26 ₹21,665 Returns for HDFC Top 100 Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 17 Feb 26 Duration Returns 1 Month 0.4% 3 Month 0.3% 6 Month 5% 1 Year 12.1% 3 Year 16.1% 5 Year 14.3% 10 Year 15 Year Since launch 18.5% Historical performance (Yearly) on absolute basis
Year Returns 2024 7.9% 2023 11.6% 2022 30% 2021 10.6% 2020 28.5% 2019 5.9% 2018 7.7% 2017 0.1% 2016 32% 2015 8.5% Fund Manager information for HDFC Top 100 Fund
Name Since Tenure Rahul Baijal 29 Jul 22 3.51 Yr. Dhruv Muchhal 22 Jun 23 2.62 Yr. Data below for HDFC Top 100 Fund as on 31 Dec 25
Equity Sector Allocation
Sector Value Financial Services 37.01% Consumer Cyclical 18.05% Health Care 9.25% Industrials 7.08% Communication Services 5.92% Energy 5.55% Basic Materials 4.54% Consumer Defensive 3.97% Technology 3.57% Utility 2.2% Real Estate 0.34% Asset Allocation
Asset Class Value Cash 2.52% Equity 97.48% Top Securities Holdings / Portfolio
Name Holding Value Quantity ICICI Bank Ltd (Financial Services)
Equity, Since 31 Dec 05 | ICICIBANK9% ₹3,688 Cr 27,215,474 HDFC Bank Ltd (Financial Services)
Equity, Since 31 Jan 10 | HDFCBANK9% ₹3,555 Cr 38,252,638 Bharti Airtel Ltd (Communication Services)
Equity, Since 30 Apr 20 | BHARTIARTL6% ₹2,347 Cr 11,921,785 Reliance Industries Ltd (Energy)
Equity, Since 31 Mar 06 | RELIANCE6% ₹2,198 Cr 15,750,234 Kotak Mahindra Bank Ltd (Financial Services)
Equity, Since 31 Aug 23 | KOTAKBANK5% ₹2,081 Cr 51,013,703
↑ 10,248,653 Titan Co Ltd (Consumer Cyclical)
Equity, Since 28 Feb 23 | TITAN4% ₹1,639 Cr 4,121,802 Axis Bank Ltd (Financial Services)
Equity, Since 31 Jan 07 | AXISBANK4% ₹1,468 Cr 10,711,912 Infosys Ltd (Technology)
Equity, Since 31 Aug 04 | INFY4% ₹1,414 Cr 8,616,149
↑ 699,746 Torrent Pharmaceuticals Ltd (Healthcare)
Equity, Since 31 Mar 25 | TORNTPHARM3% ₹1,260 Cr 3,180,904 Bajaj Auto Ltd (Consumer Cyclical)
Equity, Since 31 Dec 20 | BAJAJ-AUTO3% ₹1,148 Cr 1,195,927
How Does SIP Investment Grow?
Want to know how your SIP investment will grow if you invest a certain amount monthly for a specific period of time? We will explain you with an example.
SIP Calculator or SIP Return Calculator
SIP calculators usually take inputs such as the SIP investment amount(goal) one seeks to invest, the number of years of investing required, expected inflation rates (one needs to account for this!) and expected returns. Hence, one can calculate the SIP returns required to achieve a goal!
Let’s suppose, if you invest INR 10,000 for 10 years, see how your SIP investment grows-
Monthly Investment: INR 10,000
Investment Period: 10 years
Total Amount Invested: INR 12,00,000
Long-term Growth Rate (approx.): 15%
Expected Returns as per sip calculator: INR 27,86,573
Net Profit: INR 15,86,573 (Absolute Return= 132.2%)
The above calculations show that if you invest INR 10,000 monthly for 10 years (a total of INR 12,00,000) you will earn INR 27,86,573, which means the net profit you make is INR 15,86,573. Isn’t it great!
How to Invest in HDFC Mutual Fund Online?
Open Free Investment Account for Lifetime at Fincash.com.
Complete your Registration and KYC Process
Upload Documents (PAN, Aadhaar, etc.). And, You are Ready to Invest!
Tips to Choose the Right HDFC SIP
1. Align Fund with Your Goal
- Short-term goals (1–3 years): debt or Hybrid Fund
- Long-term goals (5+ years): equity or Index Funds
2. Check Fund Consistency, Not Just Returns
Avoid chasing last year’s top performer. Look for consistent 3–5 year performance.
3. Understand Risk Appetite
Choose funds that match your tolerance to market ups and downs.
4. Rebalance Annually
Adjust fund allocation based on market conditions and goal changes.
5. Consider Tax Implications
Equity Funds held for more than 1 year enjoy long-term Capital Gains tax benefits.
FAQs (People Also Ask)
Q1. Which is the best HDFC SIP for long-term investment?
A: HDFC Flexi Cap Fund and HDFC mid-cap Opportunities Fund are popular for long-term wealth creation due to consistent 5-year performance.
Q2. Can beginners invest in HDFC SIPs?
A: Yes. With a low minimum SIP amount and easy online process, even beginners can start building wealth.
Q3. How much is the minimum SIP in HDFC Mutual Fund?
A: You can start with as little as ₹500 per month.
Q4. Can I pause or modify my SIP?
A: Yes, SIPs are flexible. You can increase, decrease, or temporarily stop your SIP as per your financial needs.
Q5. Are HDFC Mutual Fund SIPs safe?
A: While all Mutual Funds are subject to market risk, HDFC AMC’s strong track record and research-backed approach make its funds a preferred choice among investors.
Conclusion — Start Small, Stay Consistent
HDFC SIPs are a reliable path to long-term wealth creation. The key is consistency and goal-oriented investing. Even small monthly investments, when started today, can grow into a substantial corpus tomorrow. “Start small, invest regularly, and let the Power of Compounding work for you. Your future self will thank you.”
All efforts have been made to ensure the information provided here is accurate. However, no guarantees are made regarding correctness of data. Please verify with scheme information document before making any investment.
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