+91-22-4891390910 Best HDFC MF SIP Funds 2025
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.
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Fund Selection Methodology used to find 9 funds
Best HDFC Equity SIP Mutual Funds 2025
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 Mid-Cap Opportunities Fund Growth ₹203.525
↑ 0.37 ₹89,383 300 6 7 5.9 24.6 26.1 28.6 HDFC Infrastructure Fund Growth ₹47.291
↑ 0.01 ₹2,586 300 0.5 -0.6 -2.1 24.2 29 23 HDFC Equity Fund Growth ₹2,083.64
↑ 9.08 ₹91,041 300 4.4 7.2 8.7 20.7 24.9 23.5 HDFC Focused 30 Fund Growth ₹239.832
↑ 1.00 ₹25,140 300 3.5 6.7 8.4 20.3 25.8 24 HDFC Tax Saver Fund Growth ₹1,466.19
↑ 6.53 ₹17,194 500 3.8 6.2 7.4 20.1 23 21.3 HDFC Small Cap Fund Growth ₹138.881
↓ -0.86 ₹38,412 300 -1.8 1.5 -3.3 19.6 25.9 20.4 HDFC Growth Opportunities Fund Growth ₹348.876
↑ 0.79 ₹28,487 300 4 4.6 3 18.9 22.7 19.4 HDFC Capital Builder Value Fund Growth ₹771.958
↑ 2.71 ₹7,609 300 6.1 6.3 4.8 18 20.1 20.7 HDFC Top 100 Fund Growth ₹1,178.31
↑ 5.59 ₹39,779 300 4.4 5.2 3.3 15 18.3 11.6 Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 5 Dec 25 Research Highlights & Commentary of 9 Funds showcased
Commentary HDFC Mid-Cap Opportunities Fund HDFC Infrastructure Fund HDFC Equity Fund HDFC Focused 30 Fund HDFC Tax Saver Fund HDFC Small Cap Fund HDFC Growth Opportunities Fund HDFC Capital Builder Value Fund HDFC Top 100 Fund Point 1 Top quartile AUM (₹89,383 Cr). Bottom quartile AUM (₹2,586 Cr). Highest AUM (₹91,041 Cr). Lower mid AUM (₹25,140 Cr). Bottom quartile AUM (₹17,194 Cr). Upper mid AUM (₹38,412 Cr). Lower mid AUM (₹28,487 Cr). Bottom quartile AUM (₹7,609 Cr). Upper mid AUM (₹39,779 Cr). Point 2 Established history (18+ yrs). Established history (17+ yrs). Established history (30+ yrs). Established history (21+ yrs). Established history (29+ yrs). Established history (17+ yrs). Oldest track record among peers (31 yrs). Established history (31+ 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). Top rated. Rating: 2★ (bottom quartile). Rating: 3★ (lower mid). Rating: 3★ (bottom quartile). Point 4 Risk profile: Moderately High. 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. Point 5 5Y return: 26.11% (top quartile). 5Y return: 28.97% (top quartile). 5Y return: 24.93% (lower mid). 5Y return: 25.80% (upper mid). 5Y return: 23.04% (lower mid). 5Y return: 25.85% (upper mid). 5Y return: 22.68% (bottom quartile). 5Y return: 20.06% (bottom quartile). 5Y return: 18.33% (bottom quartile). Point 6 3Y return: 24.60% (top quartile). 3Y return: 24.22% (top quartile). 3Y return: 20.72% (upper mid). 3Y return: 20.32% (upper mid). 3Y return: 20.12% (lower mid). 3Y return: 19.58% (lower mid). 3Y return: 18.94% (bottom quartile). 3Y return: 18.02% (bottom quartile). 3Y return: 15.02% (bottom quartile). Point 7 1Y return: 5.94% (upper mid). 1Y return: -2.07% (bottom quartile). 1Y return: 8.74% (top quartile). 1Y return: 8.36% (top quartile). 1Y return: 7.41% (upper mid). 1Y return: -3.32% (bottom quartile). 1Y return: 2.96% (bottom quartile). 1Y return: 4.81% (lower mid). 1Y return: 3.32% (lower mid). Point 8 Alpha: 1.17 (upper mid). Alpha: 0.00 (lower mid). Alpha: 3.93 (top quartile). Alpha: 3.49 (top quartile). Alpha: 2.58 (upper mid). Alpha: 0.00 (bottom quartile). Alpha: -0.59 (bottom quartile). Alpha: 0.21 (lower mid). Alpha: -2.94 (bottom quartile). Point 9 Sharpe: 0.15 (upper mid). Sharpe: -0.15 (bottom quartile). Sharpe: 0.39 (top quartile). Sharpe: 0.38 (top quartile). Sharpe: 0.25 (upper mid). Sharpe: -0.07 (bottom quartile). Sharpe: 0.04 (lower mid). Sharpe: 0.03 (lower mid). Sharpe: -0.20 (bottom quartile). Point 10 Information ratio: 0.61 (lower mid). Information ratio: 0.00 (bottom quartile). Information ratio: 1.44 (top quartile). Information ratio: 1.14 (upper mid). Information ratio: 1.38 (top quartile). Information ratio: 0.00 (bottom quartile). Information ratio: 0.88 (lower mid). Information ratio: 1.08 (upper mid). Information ratio: 0.60 (bottom quartile). HDFC Mid-Cap Opportunities Fund
HDFC Infrastructure Fund
HDFC Equity Fund
HDFC Focused 30 Fund
HDFC Tax Saver Fund
HDFC Small Cap Fund
HDFC Growth Opportunities Fund
HDFC Capital Builder Value Fund
HDFC Top 100 Fund
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. Below is the key information for HDFC Mid-Cap Opportunities Fund Returns up to 1 year are on 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. Research Highlights for HDFC Infrastructure Fund Below is the key information for HDFC Infrastructure 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 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 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 (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 Mid-Cap Opportunities Fund
HDFC Mid-Cap Opportunities Fund
Growth Launch Date 25 Jun 07 NAV (05 Dec 25) ₹203.525 ↑ 0.37 (0.18 %) Net Assets (Cr) ₹89,383 on 31 Oct 25 Category Equity - Mid Cap AMC HDFC Asset Management Company Limited Rating ☆☆☆ Risk Moderately High Expense Ratio 1.4 Sharpe Ratio 0.15 Information Ratio 0.61 Alpha Ratio 1.17 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 30 Nov 20 ₹10,000 30 Nov 21 ₹14,372 30 Nov 22 ₹16,709 30 Nov 23 ₹22,357 30 Nov 24 ₹30,167 30 Nov 25 ₹32,980 Returns for HDFC Mid-Cap Opportunities Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 5 Dec 25 Duration Returns 1 Month 0.5% 3 Month 6% 6 Month 7% 1 Year 5.9% 3 Year 24.6% 5 Year 26.1% 10 Year 15 Year Since launch 17.7% Historical performance (Yearly) on absolute basis
Year Returns 2024 28.6% 2023 44.5% 2022 12.3% 2021 39.9% 2020 21.7% 2019 0.2% 2018 -11.2% 2017 41.7% 2016 11.3% 2015 5.8% Fund Manager information for HDFC Mid-Cap Opportunities Fund
Name Since Tenure Chirag Setalvad 25 Jun 07 18.37 Yr. Dhruv Muchhal 22 Jun 23 2.36 Yr. Data below for HDFC Mid-Cap Opportunities Fund as on 31 Oct 25
Equity Sector Allocation
Sector Value Financial Services 26.05% Consumer Cyclical 17.37% Health Care 12.3% Technology 10.16% Industrials 9.54% Consumer Defensive 5.46% Basic Materials 5.26% Communication Services 2.97% Energy 2.96% Utility 1.21% Asset Allocation
Asset Class Value Cash 6.01% Equity 93.99% Top Securities Holdings / Portfolio
Name Holding Value Quantity Max Financial Services Ltd (Financial Services)
Equity, Since 31 Oct 14 | 5002714% ₹3,989 Cr 25,792,853
↑ 154,086 AU Small Finance Bank Ltd (Financial Services)
Equity, Since 30 Nov 23 | 5406114% ₹3,310 Cr 37,701,056
↑ 986,090 Indian Bank (Financial Services)
Equity, Since 31 Oct 11 | 5328144% ₹3,165 Cr 36,854,482 The Federal Bank Ltd (Financial Services)
Equity, Since 31 Oct 09 | FEDERALBNK3% ₹3,024 Cr 127,825,000 Balkrishna Industries Ltd (Consumer Cyclical)
Equity, Since 31 Mar 12 | BALKRISIND3% ₹3,015 Cr 13,224,300
↑ 126,829 Fortis Healthcare Ltd (Healthcare)
Equity, Since 30 Nov 23 | 5328433% ₹2,848 Cr 27,834,044 Coforge Ltd (Technology)
Equity, Since 30 Jun 22 | COFORGE3% ₹2,777 Cr 15,620,600 Hindustan Petroleum Corp Ltd (Energy)
Equity, Since 30 Sep 21 | HINDPETRO3% ₹2,643 Cr 55,530,830 Glenmark Pharmaceuticals Ltd (Healthcare)
Equity, Since 31 Jan 18 | 5322963% ₹2,390 Cr 12,636,078
↑ 165,940 Ipca Laboratories Ltd (Healthcare)
Equity, Since 31 Jul 07 | 5244943% ₹2,256 Cr 17,749,473 2. HDFC Infrastructure Fund
HDFC Infrastructure Fund
Growth Launch Date 10 Mar 08 NAV (05 Dec 25) ₹47.291 ↑ 0.01 (0.01 %) Net Assets (Cr) ₹2,586 on 31 Oct 25 Category Equity - Sectoral AMC HDFC Asset Management Company Limited Rating ☆☆☆ Risk High Expense Ratio 2.06 Sharpe Ratio -0.15 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 30 Nov 20 ₹10,000 30 Nov 21 ₹16,017 30 Nov 22 ₹19,623 30 Nov 23 ₹27,687 30 Nov 24 ₹38,227 30 Nov 25 ₹38,951 Returns for HDFC Infrastructure Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 5 Dec 25 Duration Returns 1 Month -3.1% 3 Month 0.5% 6 Month -0.6% 1 Year -2.1% 3 Year 24.2% 5 Year 29% 10 Year 15 Year Since launch Historical performance (Yearly) on absolute basis
Year Returns 2024 23% 2023 55.4% 2022 19.3% 2021 43.2% 2020 -7.5% 2019 -3.4% 2018 -29% 2017 43.3% 2016 -1.9% 2015 -2.5% Fund Manager information for HDFC Infrastructure Fund
Name Since Tenure Dhruv Muchhal 22 Jun 23 2.36 Yr. Ashish Shah 1 Nov 25 0 Yr. Data below for HDFC Infrastructure Fund as on 31 Oct 25
Equity Sector Allocation
Sector Value Industrials 39.38% Financial Services 19.46% Basic Materials 10.52% Utility 6.92% Energy 6.63% Communication Services 3.84% Real Estate 2.42% Health Care 1.78% Technology 1.47% Consumer Cyclical 0.55% Asset Allocation
Asset Class Value Cash 7.03% Equity 92.97% Top Securities Holdings / Portfolio
Name Holding Value Quantity Larsen & Toubro Ltd (Industrials)
Equity, Since 30 Jun 12 | LT6% ₹153 Cr 380,000 ICICI Bank Ltd (Financial Services)
Equity, Since 31 Oct 09 | ICICIBANK6% ₹148 Cr 1,100,000 HDFC Bank Ltd (Financial Services)
Equity, Since 31 Aug 23 | HDFCBANK5% ₹138 Cr 1,400,000 Kalpataru Projects International Ltd (Industrials)
Equity, Since 31 Jan 23 | KPIL4% ₹95 Cr 758,285 J Kumar Infraprojects Ltd (Industrials)
Equity, Since 31 Oct 15 | JKIL4% ₹92 Cr 1,400,000 InterGlobe Aviation Ltd (Industrials)
Equity, Since 31 Dec 21 | INDIGO3% ₹84 Cr 150,000 Reliance Industries Ltd (Energy)
Equity, Since 31 May 24 | RELIANCE3% ₹74 Cr 500,000 NTPC Ltd (Utilities)
Equity, Since 31 Dec 17 | 5325553% ₹74 Cr 2,200,000 Bharti Airtel Ltd (Communication Services)
Equity, Since 30 Sep 20 | BHARTIARTL3% ₹72 Cr 350,000 State Bank of India (Financial Services)
Equity, Since 31 Mar 08 | SBIN3% ₹66 Cr 704,361 3. HDFC Equity Fund
HDFC Equity Fund
Growth Launch Date 1 Jan 95 NAV (05 Dec 25) ₹2,083.64 ↑ 9.08 (0.44 %) Net Assets (Cr) ₹91,041 on 31 Oct 25 Category Equity - Multi Cap AMC HDFC Asset Management Company Limited Rating ☆☆☆ Risk Moderately High Expense Ratio 1.44 Sharpe Ratio 0.39 Information Ratio 1.44 Alpha Ratio 3.93 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 30 Nov 20 ₹10,000 30 Nov 21 ₹14,638 30 Nov 22 ₹18,110 30 Nov 23 ₹21,444 30 Nov 24 ₹28,854 30 Nov 25 ₹31,843 Returns for HDFC Equity Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 5 Dec 25 Duration Returns 1 Month 1% 3 Month 4.4% 6 Month 7.2% 1 Year 8.7% 3 Year 20.7% 5 Year 24.9% 10 Year 15 Year Since launch 18.8% Historical performance (Yearly) on absolute basis
Year Returns 2024 23.5% 2023 30.6% 2022 18.3% 2021 36.2% 2020 6.4% 2019 6.8% 2018 -3.5% 2017 36.9% 2016 7.3% 2015 -5.1% Fund Manager information for HDFC Equity Fund
Name Since Tenure Roshi Jain 29 Jul 22 3.26 Yr. Dhruv Muchhal 22 Jun 23 2.36 Yr. Data below for HDFC Equity Fund as on 31 Oct 25
Equity Sector Allocation
Sector Value Financial Services 39.51% Consumer Cyclical 15.78% Health Care 8.26% Basic Materials 5.93% Technology 5.21% Industrials 5.09% Communication Services 2.63% Real Estate 2.58% Utility 2.42% Energy 1.41% Consumer Defensive 0.9% Asset Allocation
Asset Class Value Cash 9.69% Equity 89.74% Debt 0.57% Top Securities Holdings / Portfolio
Name Holding Value Quantity ICICI Bank Ltd (Financial Services)
Equity, Since 31 Oct 09 | ICICIBANK9% ₹8,206 Cr 61,000,000
↑ 3,000,000 HDFC Bank Ltd (Financial Services)
Equity, Since 31 Jul 13 | HDFCBANK9% ₹7,800 Cr 79,000,000
↑ 4,000,000 Axis Bank Ltd (Financial Services)
Equity, Since 31 Oct 17 | 5322157% ₹6,657 Cr 54,000,000 State Bank of India (Financial Services)
Equity, Since 31 Jan 03 | SBIN5% ₹4,123 Cr 44,000,000
↑ 1,000,000 SBI Life Insurance Co Ltd (Financial Services)
Equity, Since 31 Mar 21 | SBILIFE4% ₹3,911 Cr 20,000,000 Kotak Mahindra Bank Ltd (Financial Services)
Equity, Since 31 Oct 23 | KOTAKBANK4% ₹3,826 Cr 18,200,000 Maruti Suzuki India Ltd (Consumer Cyclical)
Equity, Since 31 Dec 23 | MARUTI4% ₹3,237 Cr 2,000,000
↓ -200,000 Cipla Ltd (Healthcare)
Equity, Since 30 Sep 12 | 5000873% ₹3,153 Cr 21,000,000 HCL Technologies Ltd (Technology)
Equity, Since 30 Sep 20 | HCLTECH3% ₹2,775 Cr 18,000,000
↑ 300,000 Bharti Airtel Ltd (Communication Services)
Equity, Since 31 Aug 20 | BHARTIARTL2% ₹2,260 Cr 11,000,000 4. HDFC Focused 30 Fund
HDFC Focused 30 Fund
Growth Launch Date 17 Sep 04 NAV (05 Dec 25) ₹239.832 ↑ 1.00 (0.42 %) Net Assets (Cr) ₹25,140 on 31 Oct 25 Category Equity - Focused AMC HDFC Asset Management Company Limited Rating ☆☆☆ Risk Moderately High Expense Ratio 1.68 Sharpe Ratio 0.38 Information Ratio 1.14 Alpha Ratio 3.49 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 30 Nov 20 ₹10,000 30 Nov 21 ₹14,833 30 Nov 22 ₹18,608 30 Nov 23 ₹22,041 30 Nov 24 ₹29,647 30 Nov 25 ₹32,482 Returns for HDFC Focused 30 Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 5 Dec 25 Duration Returns 1 Month 0.8% 3 Month 3.5% 6 Month 6.7% 1 Year 8.4% 3 Year 20.3% 5 Year 25.8% 10 Year 15 Year Since launch 16.2% Historical performance (Yearly) on absolute basis
Year Returns 2024 24% 2023 29.6% 2022 18.3% 2021 40.1% 2020 4.2% 2019 3.8% 2018 -14.6% 2017 38.7% 2016 2.1% 2015 5% Fund Manager information for HDFC Focused 30 Fund
Name Since Tenure Roshi Jain 13 Jan 22 3.8 Yr. Dhruv Muchhal 22 Jun 23 2.36 Yr. Data below for HDFC Focused 30 Fund as on 31 Oct 25
Equity Sector Allocation
Sector Value Financial Services 39.92% Consumer Cyclical 21.45% Health Care 7.07% Industrials 4.92% Technology 4.45% Utility 2.75% Communication Services 2.45% Basic Materials 2.33% Real Estate 1.94% Asset Allocation
Asset Class Value Cash 12.52% Equity 87.27% Debt 0.2% Top Securities Holdings / Portfolio
Name Holding Value Quantity ICICI Bank Ltd (Financial Services)
Equity, Since 31 Jul 12 | ICICIBANK9% ₹2,287 Cr 17,000,000
↑ 1,000,000 HDFC Bank Ltd (Financial Services)
Equity, Since 31 Jul 17 | HDFCBANK9% ₹2,172 Cr 22,000,000
↑ 1,500,000 Axis Bank Ltd (Financial Services)
Equity, Since 30 Sep 18 | 5322157% ₹1,849 Cr 15,000,000 State Bank of India (Financial Services)
Equity, Since 30 Apr 12 | SBIN5% ₹1,284 Cr 13,700,000
↑ 200,000 HCL Technologies Ltd (Technology)
Equity, Since 30 Apr 22 | HCLTECH4% ₹1,119 Cr 7,258,892
↑ 58,892 Kotak Mahindra Bank Ltd (Financial Services)
Equity, Since 30 Sep 23 | KOTAKBANK4% ₹1,072 Cr 5,100,000
↑ 100,000 Maruti Suzuki India Ltd (Consumer Cyclical)
Equity, Since 31 Jan 24 | MARUTI4% ₹1,012 Cr 625,000 SBI Life Insurance Co Ltd (Financial Services)
Equity, Since 31 Jan 22 | SBILIFE4% ₹919 Cr 4,700,000
↑ 200,000 Cipla Ltd (Healthcare)
Equity, Since 31 Jan 22 | 5000874% ₹901 Cr 6,000,000 Power Grid Corp Of India Ltd (Utilities)
Equity, Since 31 Jul 25 | 5328983% ₹692 Cr 24,000,000
↑ 5,000,000 5. HDFC Tax Saver Fund
HDFC Tax Saver Fund
Growth Launch Date 31 Mar 96 NAV (05 Dec 25) ₹1,466.19 ↑ 6.53 (0.45 %) Net Assets (Cr) ₹17,194 on 31 Oct 25 Category Equity - ELSS AMC HDFC Asset Management Company Limited Rating ☆☆ Risk Moderately High Expense Ratio 1.7 Sharpe Ratio 0.25 Information Ratio 1.38 Alpha Ratio 2.58 Min Investment 500 Min SIP Investment 500 Exit Load NIL Growth of 10,000 investment over the years.
Date Value 30 Nov 20 ₹10,000 30 Nov 21 ₹14,371 30 Nov 22 ₹16,723 30 Nov 23 ₹20,032 30 Nov 24 ₹26,530 30 Nov 25 ₹28,945 Returns for HDFC Tax Saver Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 5 Dec 25 Duration Returns 1 Month 0.9% 3 Month 3.8% 6 Month 6.2% 1 Year 7.4% 3 Year 20.1% 5 Year 23% 10 Year 15 Year Since launch Historical performance (Yearly) on absolute basis
Year Returns 2024 21.3% 2023 33.2% 2022 10.5% 2021 35.3% 2020 5.8% 2019 3.7% 2018 -10.9% 2017 38.7% 2016 7.6% 2015 -6.2% Fund Manager information for HDFC Tax Saver Fund
Name Since Tenure Roshi Jain 13 Jan 22 3.8 Yr. Dhruv Muchhal 22 Jun 23 2.36 Yr. Data below for HDFC Tax Saver Fund as on 31 Oct 25
Equity Sector Allocation
Sector Value Financial Services 42.42% Consumer Cyclical 17.06% Health Care 9.88% Basic Materials 6.09% Industrials 5.64% Technology 5.12% Communication Services 4.65% Utility 1.68% Energy 1.21% Consumer Defensive 0.83% Asset Allocation
Asset Class Value Cash 5.12% Equity 94.58% Debt 0.3% Top Securities Holdings / Portfolio
Name Holding Value Quantity HDFC Bank Ltd (Financial Services)
Equity, Since 31 Mar 15 | HDFCBANK10% ₹1,639 Cr 16,600,000 ICICI Bank Ltd (Financial Services)
Equity, Since 31 Oct 09 | ICICIBANK9% ₹1,480 Cr 11,000,000 Axis Bank Ltd (Financial Services)
Equity, Since 31 Oct 18 | 5322159% ₹1,479 Cr 12,000,000 Maruti Suzuki India Ltd (Consumer Cyclical)
Equity, Since 31 Jan 24 | MARUTI5% ₹890 Cr 550,000 SBI Life Insurance Co Ltd (Financial Services)
Equity, Since 31 Jan 22 | SBILIFE5% ₹880 Cr 4,500,000 Cipla Ltd (Healthcare)
Equity, Since 31 Oct 09 | 5000875% ₹811 Cr 5,400,000 Kotak Mahindra Bank Ltd (Financial Services)
Equity, Since 31 Dec 23 | KOTAKBANK4% ₹736 Cr 3,500,000 Bharti Airtel Ltd (Communication Services)
Equity, Since 30 Nov 19 | BHARTIARTL4% ₹699 Cr 3,400,000 State Bank of India (Financial Services)
Equity, Since 31 Dec 06 | SBIN4% ₹656 Cr 7,000,000 HCL Technologies Ltd (Technology)
Equity, Since 30 Sep 20 | HCLTECH3% ₹516 Cr 3,350,000 6. HDFC Small Cap Fund
HDFC Small Cap Fund
Growth Launch Date 3 Apr 08 NAV (05 Dec 25) ₹138.881 ↓ -0.86 (-0.61 %) Net Assets (Cr) ₹38,412 on 31 Oct 25 Category Equity - Small Cap AMC HDFC Asset Management Company Limited Rating ☆☆☆☆ Risk Moderately High Expense Ratio 1.58 Sharpe Ratio -0.07 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 30 Nov 20 ₹10,000 30 Nov 21 ₹17,026 30 Nov 22 ₹18,804 30 Nov 23 ₹26,002 30 Nov 24 ₹32,836 30 Nov 25 ₹33,053 Returns for HDFC Small Cap Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 5 Dec 25 Duration Returns 1 Month -3.7% 3 Month -1.8% 6 Month 1.5% 1 Year -3.3% 3 Year 19.6% 5 Year 25.9% 10 Year 15 Year Since launch 16.1% Historical performance (Yearly) on absolute basis
Year Returns 2024 20.4% 2023 44.8% 2022 4.6% 2021 64.9% 2020 20.2% 2019 -9.5% 2018 -8.1% 2017 60.8% 2016 5.4% 2015 6.4% Fund Manager information for HDFC Small Cap Fund
Name Since Tenure Chirag Setalvad 28 Jun 14 11.35 Yr. Dhruv Muchhal 22 Jun 23 2.36 Yr. Data below for HDFC Small Cap Fund as on 31 Oct 25
Equity Sector Allocation
Sector Value Industrials 21.41% Consumer Cyclical 18.78% Technology 13.39% Health Care 12.32% Financial Services 11.86% Basic Materials 6.64% Consumer Defensive 3.31% Communication Services 1.87% Asset Allocation
Asset Class Value Cash 9.63% Equity 90.37% Top Securities Holdings / Portfolio
Name Holding Value Quantity Firstsource Solutions Ltd (Technology)
Equity, Since 31 Mar 18 | FSL5% ₹1,956 Cr 55,264,362
↑ 352,528 eClerx Services Ltd (Technology)
Equity, Since 31 Mar 18 | ECLERX4% ₹1,715 Cr 3,626,595
↓ -57,166 Aster DM Healthcare Ltd Ordinary Shares (Healthcare)
Equity, Since 30 Jun 19 | ASTERDM4% ₹1,622 Cr 23,927,134
↓ -200,000 Bank of Baroda (Financial Services)
Equity, Since 31 Mar 19 | 5321343% ₹1,304 Cr 46,828,792 Gabriel India Ltd (Consumer Cyclical)
Equity, Since 31 Oct 18 | GABRIEL3% ₹1,207 Cr 9,477,375
↓ -397,625 Eris Lifesciences Ltd Registered Shs (Healthcare)
Equity, Since 31 Jul 23 | ERIS3% ₹1,032 Cr 6,482,100
↑ 145,557 Fortis Healthcare Ltd (Healthcare)
Equity, Since 31 Jul 23 | 5328433% ₹1,020 Cr 9,973,132
↓ -100,000 Indian Bank (Financial Services)
Equity, Since 31 Jul 16 | 5328142% ₹832 Cr 9,688,128 Krishna Institute of Medical Sciences Ltd (Healthcare)
Equity, Since 31 Jul 23 | 5433082% ₹802 Cr 11,127,166 Sonata Software Ltd (Technology)
Equity, Since 31 Oct 17 | SONATSOFTW2% ₹712 Cr 19,259,838
↑ 105,725 7. HDFC Growth Opportunities Fund
HDFC Growth Opportunities Fund
Growth Launch Date 18 Feb 94 NAV (05 Dec 25) ₹348.876 ↑ 0.79 (0.23 %) Net Assets (Cr) ₹28,487 on 31 Oct 25 Category Equity - Large & Mid Cap AMC HDFC Asset Management Company Limited Rating ☆☆ Risk Moderately High Expense Ratio 1.66 Sharpe Ratio 0.04 Information Ratio 0.88 Alpha Ratio -0.59 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 30 Nov 20 ₹10,000 30 Nov 21 ₹15,149 30 Nov 22 ₹16,977 30 Nov 23 ₹21,161 30 Nov 24 ₹27,319 30 Nov 25 ₹28,992 Returns for HDFC Growth Opportunities Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 5 Dec 25 Duration Returns 1 Month -0.5% 3 Month 4% 6 Month 4.6% 1 Year 3% 3 Year 18.9% 5 Year 22.7% 10 Year 15 Year Since launch 12.9% Historical performance (Yearly) on absolute basis
Year Returns 2024 19.4% 2023 37.7% 2022 8.2% 2021 43.1% 2020 11.4% 2019 6.6% 2018 -3.8% 2017 29.4% 2016 3.9% 2015 -4.8% Fund Manager information for HDFC Growth Opportunities Fund
Name Since Tenure Gopal Agrawal 16 Jul 20 5.3 Yr. Dhruv Muchhal 22 Jun 23 2.36 Yr. Data below for HDFC Growth Opportunities Fund as on 31 Oct 25
Equity Sector Allocation
Sector Value Financial Services 30.32% Consumer Cyclical 13.58% Health Care 12.62% Industrials 10.07% Technology 9.7% Basic Materials 6.63% Utility 3.61% Communication Services 3.24% Energy 3.24% Consumer Defensive 2.8% Real Estate 2.46% Asset Allocation
Asset Class Value Cash 1.49% Equity 98.5% Top Securities Holdings / Portfolio
Name Holding Value Quantity HDFC Bank Ltd (Financial Services)
Equity, Since 31 Jan 03 | HDFCBANK5% ₹1,349 Cr 13,664,794 ICICI Bank Ltd (Financial Services)
Equity, Since 31 Aug 12 | ICICIBANK3% ₹928 Cr 6,900,836 Bharti Airtel Ltd (Communication Services)
Equity, Since 31 Jan 22 | BHARTIARTL2% ₹587 Cr 2,857,420 Axis Bank Ltd (Financial Services)
Equity, Since 30 Sep 22 | 5322152% ₹524 Cr 4,250,000 Infosys Ltd (Technology)
Equity, Since 30 Jun 04 | INFY2% ₹494 Cr 3,330,379 Fortis Healthcare Ltd (Healthcare)
Equity, Since 31 Mar 24 | 5328432% ₹484 Cr 4,733,349 Mphasis Ltd (Technology)
Equity, Since 31 Oct 21 | 5262991% ₹425 Cr 1,537,999 Max Financial Services Ltd (Financial Services)
Equity, Since 30 Jun 18 | 5002711% ₹402 Cr 2,602,017 State Bank of India (Financial Services)
Equity, Since 30 Jun 14 | SBIN1% ₹394 Cr 4,210,091 Maruti Suzuki India Ltd (Consumer Cyclical)
Equity, Since 31 Dec 21 | MARUTI1% ₹394 Cr 243,447 8. HDFC Capital Builder Value Fund
HDFC Capital Builder Value Fund
Growth Launch Date 1 Feb 94 NAV (05 Dec 25) ₹771.958 ↑ 2.71 (0.35 %) Net Assets (Cr) ₹7,609 on 31 Oct 25 Category Equity - Value AMC HDFC Asset Management Company Limited Rating ☆☆☆ Risk Moderately High Expense Ratio 1.84 Sharpe Ratio 0.03 Information Ratio 1.08 Alpha Ratio 0.21 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 30 Nov 20 ₹10,000 30 Nov 21 ₹14,101 30 Nov 22 ₹15,592 30 Nov 23 ₹18,172 30 Nov 24 ₹24,003 30 Nov 25 ₹25,759 Returns for HDFC Capital Builder Value Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 5 Dec 25 Duration Returns 1 Month 0.7% 3 Month 6.1% 6 Month 6.3% 1 Year 4.8% 3 Year 18% 5 Year 20.1% 10 Year 15 Year Since launch 14.8% Historical performance (Yearly) on absolute basis
Year Returns 2024 20.7% 2023 29.6% 2022 3.6% 2021 35.6% 2020 12.9% 2019 0% 2018 -5.5% 2017 42.3% 2016 3.8% 2015 4.6% Fund Manager information for HDFC Capital Builder Value Fund
Name Since Tenure Anand Laddha 1 Feb 24 1.75 Yr. Dhruv Muchhal 22 Jun 23 2.36 Yr. Data below for HDFC Capital Builder Value Fund as on 31 Oct 25
Equity Sector Allocation
Sector Value Financial Services 35.41% Industrials 8.57% Technology 8.42% Consumer Cyclical 8.35% Health Care 7.39% Consumer Defensive 7.15% Utility 5.22% Energy 4.65% Communication Services 4.41% Real Estate 3.99% Basic Materials 3.95% Asset Allocation
Asset Class Value Cash 1.88% Equity 98.12% Top Securities Holdings / Portfolio
Name Holding Value Quantity ICICI Bank Ltd (Financial Services)
Equity, Since 31 Oct 09 | ICICIBANK7% ₹531 Cr 3,950,000 HDFC Bank Ltd (Financial Services)
Equity, Since 30 Sep 11 | HDFCBANK7% ₹523 Cr 5,300,000 Axis Bank Ltd (Financial Services)
Equity, Since 28 Feb 09 | 5322154% ₹314 Cr 2,550,000 State Bank of India (Financial Services)
Equity, Since 31 Aug 20 | SBIN4% ₹300 Cr 3,200,000 Bharti Airtel Ltd (Communication Services)
Equity, Since 31 May 20 | BHARTIARTL4% ₹288 Cr 1,400,000 Infosys Ltd (Technology)
Equity, Since 31 Jul 09 | INFY4% ₹267 Cr 1,800,000 Larsen & Toubro Ltd (Industrials)
Equity, Since 31 Oct 20 | LT3% ₹212 Cr 525,000 AU Small Finance Bank Ltd (Financial Services)
Equity, Since 31 Aug 24 | 5406113% ₹202 Cr 2,300,000
↓ -91,081 Sun Pharmaceuticals Industries Ltd (Healthcare)
Equity, Since 31 Dec 20 | SUNPHARMA2% ₹186 Cr 1,100,000 Bharat Electronics Ltd (Industrials)
Equity, Since 30 Jun 20 | BEL2% ₹170 Cr 4,000,000 9. HDFC Top 100 Fund
HDFC Top 100 Fund
Growth Launch Date 11 Oct 96 NAV (05 Dec 25) ₹1,178.31 ↑ 5.59 (0.48 %) Net Assets (Cr) ₹39,779 on 31 Oct 25 Category Equity - Large Cap AMC HDFC Asset Management Company Limited Rating ☆☆☆ Risk Moderately High Expense Ratio 1.61 Sharpe Ratio -0.2 Information Ratio 0.6 Alpha Ratio -2.94 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 30 Nov 20 ₹10,000 30 Nov 21 ₹13,605 30 Nov 22 ₹15,813 30 Nov 23 ₹18,441 30 Nov 24 ₹22,782 30 Nov 25 ₹24,140 Returns for HDFC Top 100 Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 5 Dec 25 Duration Returns 1 Month 1.6% 3 Month 4.4% 6 Month 5.2% 1 Year 3.3% 3 Year 15% 5 Year 18.3% 10 Year 15 Year Since launch 18.6% Historical performance (Yearly) on absolute basis
Year Returns 2024 11.6% 2023 30% 2022 10.6% 2021 28.5% 2020 5.9% 2019 7.7% 2018 0.1% 2017 32% 2016 8.5% 2015 -6.1% Fund Manager information for HDFC Top 100 Fund
Name Since Tenure Rahul Baijal 29 Jul 22 3.26 Yr. Dhruv Muchhal 22 Jun 23 2.36 Yr. Data below for HDFC Top 100 Fund as on 31 Oct 25
Equity Sector Allocation
Sector Value Financial Services 33.09% Consumer Cyclical 17.12% Health Care 10% Industrials 7.35% Communication Services 6.16% Energy 5.77% Basic Materials 5.37% Consumer Defensive 4.66% Technology 3.3% Utility 2.82% Real Estate 0.4% Asset Allocation
Asset Class Value Cash 2.84% Equity 97.16% Top Securities Holdings / Portfolio
Name Holding Value Quantity HDFC Bank Ltd (Financial Services)
Equity, Since 31 Jan 10 | HDFCBANK9% ₹3,777 Cr 38,252,638 ICICI Bank Ltd (Financial Services)
Equity, Since 31 Dec 05 | ICICIBANK9% ₹3,500 Cr 26,015,474 Bharti Airtel Ltd (Communication Services)
Equity, Since 30 Apr 20 | BHARTIARTL6% ₹2,449 Cr 11,921,785 Reliance Industries Ltd (Energy)
Equity, Since 31 Mar 06 | RELIANCE6% ₹2,297 Cr 15,450,234
↑ 2,000,000 Titan Co Ltd (Consumer Cyclical)
Equity, Since 28 Feb 23 | TITAN4% ₹1,544 Cr 4,121,802
↑ 281,226 Kotak Mahindra Bank Ltd (Financial Services)
Equity, Since 31 Aug 23 | KOTAKBANK4% ₹1,543 Cr 7,341,626 Axis Bank Ltd (Financial Services)
Equity, Since 31 Jan 07 | 5322153% ₹1,321 Cr 10,711,912 Infosys Ltd (Technology)
Equity, Since 31 Aug 04 | INFY3% ₹1,277 Cr 8,613,818 Ambuja Cements Ltd (Basic Materials)
Equity, Since 31 Jul 16 | 5004253% ₹1,260 Cr 22,293,419 Torrent Pharmaceuticals Ltd (Healthcare)
Equity, Since 31 Mar 25 | TORNTPHARM3% ₹1,132 Cr 3,180,904
↑ 165,000
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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Research Highlights for HDFC Mid-Cap Opportunities Fund