10 சிறந்த HDFC MF SIP நிதிகள் 2022

Updated on September 7, 2026 , 151597 views

முறையானமுதலீட்டுத் திட்டம் அல்லதுஎஸ்ஐபி ஒரு முறையாகும்முதலீடு ஒரு குறிப்பிட்ட நேரத்தில் ஒரு நிலையான தொகை. இது மிகவும் நெகிழ்வான மற்றும் எளிதான முதலீட்டுத் திட்டமாகும். உங்களிடமிருந்து உங்கள் பணம் தானாகப் பற்று வைக்கப்படுகிறதுவங்கி கணக்கு மற்றும் திட்டத்தில் முதலீடு செய்யப்படுகிறது. SIP இன் முதலீட்டு பாணி காரணமாக, முதலீட்டாளர்கள் நேரத்தைச் செலவிடத் தேவையில்லைசந்தை.

HDFC மியூச்சுவல் ஃபண்ட், இந்தியாவின் முக்கியமான ஒன்றாக இருப்பதுAMCகள், முதலீட்டாளர்கள் எப்போதும் நிறுவனம் வழங்கும் SIP நிதிகளையே விரும்புகிறார்கள். வெறும் INR 500 இல் நீங்கள் SIP இல் முதலீடு செய்யத் தொடங்கலாம். இன் மற்ற நன்மைகளில் ஒன்றுSIP முதலீடு நீங்கள் திட்டமிட்டு உங்கள் நிறைவேற்ற முடியும்நிதி இலக்குகள்.

திருமணம் போன்ற இலக்குகள்,ஓய்வூதிய திட்டமிடல், வீடு/வாகனம் போன்றவற்றை வாங்குவது, SIP வழியின் மூலம் நன்கு திட்டமிடப்பட்டு சரியான நேரத்தில் அடைய முடியும்.

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HDFC மியூச்சுவல் ஃபண்ட் SIP இல் ஏன் முதலீடு செய்ய வேண்டும்?

HDFC SIP மிகவும் பிரபலமான ஒன்றாகும்பரஸ்பர நிதி நிறுவனம் வழங்கும் திட்டங்கள். ஒரு SIP என்பது ஒரு போன்றதுதொடர் வைப்பு. ஒவ்வொரு மாதமும் ஒரு குறிப்பிட்ட தேதியில் நீங்கள் தேர்ந்தெடுத்த ஒரு குறிப்பிட்ட தொகை உங்கள் விருப்பப்படி மியூச்சுவல் ஃபண்ட் திட்டத்தில் முதலீடு செய்யப்படும். SIP முதலீட்டிற்கான தேதிகள் நிறுவனத்தின் இணையதளத்தில் கொடுக்கப்பட்டுள்ளன. பல உள்ளனமுதலீட்டின் நன்மைகள் HDFC MF SIP மூலம். அவற்றில் சில அடங்கும்:

ஒழுக்கமான முதலீடு செய்யும் பழக்கம்
உங்கள் நிதி இலக்கை அடைதல்
ரூபாய் செலவின் சராசரியைப் பயன்படுத்திக் கொள்வது
ஒரு குறிப்பிட்ட காலக்கட்டத்தில் முதலீட்டின் வளர்ச்சி அதிக வருமானத்தை உருவாக்குகிறது
குறைந்தபட்ச SIP முதலீடு மாதத்திற்கு 500 ரூபாய்

பின்வருபவை சிறந்த HDFC SIP நிதிகள் (ஈக்விட்டி நிதிகள்) 2022 - 2023 ஆம் ஆண்டிற்கான. இந்த நிதிகள் AUM போன்ற சில அளவுருக்களை மேற்கொள்வதன் மூலம் பட்டியலிடப்பட்டுள்ளன,இல்லை, சக சராசரி வருமானம், கடந்தகால செயல்திறன் போன்றவை.

சிறந்த HDFC ஈக்விட்டி SIP மியூச்சுவல் ஃபண்டுகள்

Fund	NAV	Net Assets (Cr)	Min SIP Investment	3 MO (%)	6 MO (%)	1 YR (%)	3 YR (%)	5 YR (%)	2025 (%)
HDFC Capital Builder Value Fund Growth	₹783.676 ↓ -5.14	₹7,934	300	6.4	9.1	7	14.6	13.2	8.6
HDFC Focused 30 Fund Growth	₹230.588 ↓ -1.45	₹27,925	300	4.9	2.9	-0.8	14	17	10.9
HDFC Infrastructure Fund Growth	₹46.795 ↓ -0.04	₹2,375	300	1.4	5	-0.3	13	19.2	2.2
HDFC Tax Saver Fund Growth	₹1,348.56 ↓ -11.11	₹16,095	500	3	0.3	-4.9	11.9	13.4	10.3
HDFC Growth Opportunities Fund Growth	₹345.108 ↓ -2.21	₹30,099	300	4.6	7	2.3	11.8	14	6.1
HDFC Small Cap Fund Growth	₹139.287 ↓ -0.62	₹41,679	300	4.4	10.9	-1.9	9.5	14.3	-0.6
HDFC Top 100 Fund Growth	₹1,110.58 ↓ -8.37	₹40,198	300	3.9	0.9	-2.2	8.3	10.7	7.9
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 9 Sep 26

Research Highlights & Commentary of 7 Funds showcased

Commentary	HDFC Capital Builder Value Fund	HDFC Focused 30 Fund	HDFC Infrastructure Fund	HDFC Tax Saver Fund	HDFC Growth Opportunities Fund	HDFC Small Cap Fund	HDFC Top 100 Fund
Point 1	Bottom quartile AUM (₹7,934 Cr).	Lower mid AUM (₹27,925 Cr).	Bottom quartile AUM (₹2,375 Cr).	Lower mid AUM (₹16,095 Cr).	Upper mid AUM (₹30,099 Cr).	Highest AUM (₹41,679 Cr).	Upper mid AUM (₹40,198 Cr).
Point 2	Oldest track record among peers (32 yrs).	Established history (21+ yrs).	Established history (18+ yrs).	Established history (30+ yrs).	Established history (32+ yrs).	Established history (18+ yrs).	Established history (29+ yrs).
Point 3	Rating: 3★ (upper mid).	Rating: 3★ (upper mid).	Rating: 3★ (lower mid).	Rating: 2★ (bottom quartile).	Rating: 2★ (bottom quartile).	Top rated.	Rating: 3★ (lower mid).
Point 4	Risk profile: Moderately High.	Risk profile: Moderately High.	Risk profile: High.	Risk profile: Moderately High.	Risk profile: Moderately High.	Risk profile: Moderately High.	Risk profile: Moderately High.
Point 5	5Y return: 13.17% (bottom quartile).	5Y return: 17.01% (upper mid).	5Y return: 19.20% (top quartile).	5Y return: 13.42% (lower mid).	5Y return: 14.01% (lower mid).	5Y return: 14.33% (upper mid).	5Y return: 10.66% (bottom quartile).
Point 6	3Y return: 14.61% (top quartile).	3Y return: 13.98% (upper mid).	3Y return: 12.95% (upper mid).	3Y return: 11.90% (lower mid).	3Y return: 11.77% (lower mid).	3Y return: 9.50% (bottom quartile).	3Y return: 8.32% (bottom quartile).
Point 7	1Y return: 7.02% (top quartile).	1Y return: -0.85% (lower mid).	1Y return: -0.30% (upper mid).	1Y return: -4.93% (bottom quartile).	1Y return: 2.30% (upper mid).	1Y return: -1.93% (lower mid).	1Y return: -2.18% (bottom quartile).
Point 8	Alpha: 3.35 (top quartile).	Alpha: -0.60 (lower mid).	Alpha: 0.00 (upper mid).	Alpha: -4.53 (bottom quartile).	Alpha: -1.29 (bottom quartile).	Alpha: 0.00 (upper mid).	Alpha: -0.24 (lower mid).
Point 9	Sharpe: 0.15 (top quartile).	Sharpe: -0.08 (upper mid).	Sharpe: -0.25 (lower mid).	Sharpe: -0.33 (bottom quartile).	Sharpe: -0.01 (upper mid).	Sharpe: -0.26 (bottom quartile).	Sharpe: -0.17 (lower mid).
Point 10	Information ratio: 1.50 (top quartile).	Information ratio: 0.69 (upper mid).	Information ratio: 0.00 (lower mid).	Information ratio: 0.48 (upper mid).	Information ratio: -0.22 (bottom quartile).	Information ratio: 0.00 (bottom quartile).	Information ratio: 0.02 (lower mid).

HDFC Capital Builder Value Fund

Bottom quartile AUM (₹7,934 Cr).
Oldest track record among peers (32 yrs).
Rating: 3★ (upper mid).
Risk profile: Moderately High.
5Y return: 13.17% (bottom quartile).
3Y return: 14.61% (top quartile).
1Y return: 7.02% (top quartile).
Alpha: 3.35 (top quartile).
Sharpe: 0.15 (top quartile).
Information ratio: 1.50 (top quartile).

HDFC Focused 30 Fund

Lower mid AUM (₹27,925 Cr).
Established history (21+ yrs).
Rating: 3★ (upper mid).
Risk profile: Moderately High.
5Y return: 17.01% (upper mid).
3Y return: 13.98% (upper mid).
1Y return: -0.85% (lower mid).
Alpha: -0.60 (lower mid).
Sharpe: -0.08 (upper mid).
Information ratio: 0.69 (upper mid).

HDFC Infrastructure Fund

Bottom quartile AUM (₹2,375 Cr).
Established history (18+ yrs).
Rating: 3★ (lower mid).
Risk profile: High.
5Y return: 19.20% (top quartile).
3Y return: 12.95% (upper mid).
1Y return: -0.30% (upper mid).
Alpha: 0.00 (upper mid).
Sharpe: -0.25 (lower mid).
Information ratio: 0.00 (lower mid).

HDFC Tax Saver Fund

Lower mid AUM (₹16,095 Cr).
Established history (30+ yrs).
Rating: 2★ (bottom quartile).
Risk profile: Moderately High.
5Y return: 13.42% (lower mid).
3Y return: 11.90% (lower mid).
1Y return: -4.93% (bottom quartile).
Alpha: -4.53 (bottom quartile).
Sharpe: -0.33 (bottom quartile).
Information ratio: 0.48 (upper mid).

HDFC Growth Opportunities Fund

Upper mid AUM (₹30,099 Cr).
Established history (32+ yrs).
Rating: 2★ (bottom quartile).
Risk profile: Moderately High.
5Y return: 14.01% (lower mid).
3Y return: 11.77% (lower mid).
1Y return: 2.30% (upper mid).
Alpha: -1.29 (bottom quartile).
Sharpe: -0.01 (upper mid).
Information ratio: -0.22 (bottom quartile).

HDFC Small Cap Fund

Highest AUM (₹41,679 Cr).
Established history (18+ yrs).
Top rated.
Risk profile: Moderately High.
5Y return: 14.33% (upper mid).
3Y return: 9.50% (bottom quartile).
1Y return: -1.93% (lower mid).
Alpha: 0.00 (upper mid).
Sharpe: -0.26 (bottom quartile).
Information ratio: 0.00 (bottom quartile).

HDFC Top 100 Fund

Upper mid AUM (₹40,198 Cr).
Established history (29+ yrs).
Rating: 3★ (lower mid).
Risk profile: Moderately High.
5Y return: 10.66% (bottom quartile).
3Y return: 8.32% (bottom quartile).
1Y return: -2.18% (bottom quartile).
Alpha: -0.24 (lower mid).
Sharpe: -0.17 (lower mid).
Information ratio: 0.02 (lower mid).

1. HDFC Capital Builder Value Fund

(Erstwhile HDFC Capital Builder Fund)

The fund plans to achieve long term capital appreciation.

Research Highlights for HDFC Capital Builder Value Fund

Bottom quartile AUM (₹7,934 Cr).
Oldest track record among peers (32 yrs).
Rating: 3★ (upper mid).
Risk profile: Moderately High.
5Y return: 13.17% (bottom quartile).
3Y return: 14.61% (top quartile).
1Y return: 7.02% (top quartile).
Alpha: 3.35 (top quartile).
Sharpe: 0.15 (top quartile).
Information ratio: 1.50 (top quartile).
Top sector: Financial Services.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~100%).
Largest holding ICICI Bank Ltd (~6.8%).

Below is the key information for HDFC Capital Builder Value Fund

HDFC Capital Builder Value Fund Growth
Launch Date	1 Feb 94
NAV (09 Sep 26)	₹783.676 ↓ -5.14 (-0.65 %)
Net Assets (Cr)	₹7,934 on 31 Jul 26
Category	Equity - Value
AMC	HDFC Asset Management Company Limited
Rating	☆☆☆
Risk	Moderately High
Expense Ratio	1.84
Sharpe Ratio	0.15
Information Ratio	1.5
Alpha Ratio	3.35
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 Aug 21	₹10,000
31 Aug 22	₹10,467
31 Aug 23	₹12,048
31 Aug 24	₹17,929
31 Aug 25	₹17,297
31 Aug 26	₹19,257

HDFC Capital Builder Value Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹426,080.
Net Profit of ₹126,080 Invest Now

Returns for HDFC Capital Builder Value Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 9 Sep 26

Duration	Returns
1 Month	-2.3%
3 Month	6.4%
6 Month	9.1%
1 Year	7%
3 Year	14.6%
5 Year	13.2%
10 Year
15 Year
Since launch	14.5%

Historical performance (Yearly) on absolute basis

Year	Returns
2025	8.6%
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%

Fund Manager information for HDFC Capital Builder Value Fund

Name	Since	Tenure
Anand Laddha	1 Feb 24	2.5 Yr.
Dhruv Muchhal	22 Jun 23	3.11 Yr.

Data below for HDFC Capital Builder Value Fund as on 31 Jul 26

Equity Sector Allocation

Sector	Value
Financial Services	34.38%
Consumer Cyclical	13%
Industrials	9.81%
Health Care	8.67%
Technology	8.09%
Communication Services	5.13%
Consumer Defensive	4.96%
Utility	4.27%
Real Estate	4.13%
Energy	3.59%
Basic Materials	3.57%

Asset Allocation

Asset Class	Value
Cash	0.42%
Equity	99.58%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
ICICI Bank Ltd (Financial Services) Equity, Since 31 Oct 09 \| ICICIBANK	7%	₹538 Cr	3,750,000
HDFC Bank Ltd (Financial Services) Equity, Since 30 Sep 11 \| HDFCBANK	5%	₹387 Cr	5,170,000
State Bank of India (Financial Services) Equity, Since 31 Aug 20 \| SBIN	3%	₹272 Cr	2,650,000
Axis Bank Ltd (Financial Services) Equity, Since 28 Feb 09 \| 532215	3%	₹258 Cr	2,100,000 ↓ -325,000
Bharti Airtel Ltd (Communication Services) Equity, Since 31 May 20 \| BHARTIARTL	3%	₹256 Cr	1,300,000
Larsen & Toubro Ltd (Industrials) Equity, Since 31 Oct 20 \| LT	3%	₹207 Cr	525,000
Infosys Ltd (Technology) Equity, Since 31 Jul 09 \| INFY	2%	₹192 Cr	1,700,000
AU Small Finance Bank Ltd (Financial Services) Equity, Since 31 Aug 24 \| 540611	2%	₹182 Cr	1,740,000
Sun Pharmaceuticals Industries Ltd (Healthcare) Equity, Since 31 Dec 20 \| SUNPHARMA	2%	₹179 Cr	900,000
NTPC Ltd (Utilities) Equity, Since 31 Aug 17 \| 532555	2%	₹174 Cr	5,000,000

2. HDFC Focused 30 Fund

(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

Lower mid AUM (₹27,925 Cr).
Established history (21+ yrs).
Rating: 3★ (upper mid).
Risk profile: Moderately High.
5Y return: 17.01% (upper mid).
3Y return: 13.98% (upper mid).
1Y return: -0.85% (lower mid).
Alpha: -0.60 (lower mid).
Sharpe: -0.08 (upper mid).
Information ratio: 0.69 (upper mid).
Higher exposure to Financial Services vs peer median.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~95%).
High-quality debt (AAA/AA ~100%).
Largest holding ICICI Bank Ltd (~9.4%).

Below is the key information for HDFC Focused 30 Fund

HDFC Focused 30 Fund Growth
Launch Date	17 Sep 04
NAV (09 Sep 26)	₹230.588 ↓ -1.45 (-0.63 %)
Net Assets (Cr)	₹27,925 on 31 Jul 26
Category	Equity - Focused
AMC	HDFC Asset Management Company Limited
Rating	☆☆☆
Risk	Moderately High
Expense Ratio	1.68
Sharpe Ratio	-0.08
Information Ratio	0.69
Alpha Ratio	-0.6
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 Aug 21	₹10,000
31 Aug 22	₹12,208
31 Aug 23	₹14,596
31 Aug 24	₹20,972
31 Aug 25	₹22,056
31 Aug 26	₹22,843

HDFC Focused 30 Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹470,047.
Net Profit of ₹170,047 Invest Now

Returns for HDFC Focused 30 Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 9 Sep 26

Duration	Returns
1 Month	-2.7%
3 Month	4.9%
6 Month	2.9%
1 Year	-0.8%
3 Year	14%
5 Year	17%
10 Year
15 Year
Since launch	15.3%

Historical performance (Yearly) on absolute basis

Year	Returns
2025	10.9%
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%

Fund Manager information for HDFC Focused 30 Fund

Name	Since	Tenure
Amit Ganatra	1 Feb 26	0.5 Yr.
Dhruv Muchhal	22 Jun 23	3.11 Yr.

Data below for HDFC Focused 30 Fund as on 31 Jul 26

Equity Sector Allocation

Sector	Value
Financial Services	39.88%
Consumer Cyclical	21.58%
Industrials	10.84%
Health Care	7.81%
Technology	4.1%
Utility	3.52%
Communication Services	3.42%
Basic Materials	2.17%
Real Estate	1.79%

Asset Allocation

Asset Class	Value
Cash	4.71%
Equity	95.1%
Debt	0.18%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
ICICI Bank Ltd (Financial Services) Equity, Since 31 Jul 12 \| ICICIBANK	9%	₹2,612 Cr	18,200,000
HDFC Bank Ltd (Financial Services) Equity, Since 31 Jul 17 \| HDFCBANK	8%	₹2,134 Cr	28,526,520
Axis Bank Ltd (Financial Services) Equity, Since 30 Sep 18 \| 532215	7%	₹1,844 Cr	15,000,000
Kotak Mahindra Bank Ltd (Financial Services) Equity, Since 30 Sep 23 \| KOTAKBANK	5%	₹1,474 Cr	37,772,860
State Bank of India (Financial Services) Equity, Since 30 Apr 12 \| SBIN	5%	₹1,451 Cr	14,120,988
Eternal Ltd (Consumer Cyclical) Equity, Since 28 Feb 26 \| ETERNAL	5%	₹1,308 Cr	43,246,676
HCL Technologies Ltd (Technology) Equity, Since 30 Apr 22 \| HCLTECH	4%	₹1,145 Cr	8,500,017
InterGlobe Aviation Ltd (Industrials) Equity, Since 30 Nov 24 \| INDIGO	4%	₹1,090 Cr	2,108,802
Maruti Suzuki India Ltd (Consumer Cyclical) Equity, Since 31 Jan 24 \| MARUTI	4%	₹1,046 Cr	734,963
Sun Pharmaceuticals Industries Ltd (Healthcare) Equity, Since 31 Jul 26 \| SUNPHARMA	4%	₹1,034 Cr	5,192,430 ↑ 5,192,430

3. HDFC Infrastructure 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.

Research Highlights for HDFC Infrastructure Fund

Bottom quartile AUM (₹2,375 Cr).
Established history (18+ yrs).
Rating: 3★ (lower mid).
Risk profile: High.
5Y return: 19.20% (top quartile).
3Y return: 12.95% (upper mid).
1Y return: -0.30% (upper mid).
Alpha: 0.00 (upper mid).
Sharpe: -0.25 (lower mid).
Information ratio: 0.00 (lower mid).
Higher exposure to Industrials vs peer median.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~99%).
Largest holding Larsen & Toubro Ltd (~7.0%).

Below is the key information for HDFC Infrastructure Fund

HDFC Infrastructure Fund Growth
Launch Date	10 Mar 08
NAV (09 Sep 26)	₹46.795 ↓ -0.04 (-0.09 %)
Net Assets (Cr)	₹2,375 on 31 Jul 26
Category	Equity - Sectoral
AMC	HDFC Asset Management Company Limited
Rating	☆☆☆
Risk	High
Expense Ratio	2.06
Sharpe Ratio	-0.25
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 Aug 21	₹10,000
31 Aug 22	₹11,849
31 Aug 23	₹16,284
31 Aug 24	₹25,814
31 Aug 25	₹24,150
31 Aug 26	₹24,256

HDFC Infrastructure Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹493,520.
Net Profit of ₹193,520 Invest Now

Returns for HDFC Infrastructure Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 9 Sep 26

Duration	Returns
1 Month	-1.4%
3 Month	1.4%
6 Month	5%
1 Year	-0.3%
3 Year	13%
5 Year	19.2%
10 Year
15 Year
Since launch

Historical performance (Yearly) on absolute basis

Year	Returns
2025	2.2%
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%

Fund Manager information for HDFC Infrastructure Fund

Name	Since	Tenure
Dhruv Muchhal	22 Jun 23	3.11 Yr.
Ashish Shah	1 Nov 25	0.75 Yr.

Data below for HDFC Infrastructure Fund as on 31 Jul 26

Equity Sector Allocation

Sector	Value
Industrials	49.7%
Utility	14.53%
Financial Services	11.62%
Basic Materials	8.08%
Energy	5.48%
Real Estate	4.12%
Technology	1.82%
Health Care	1.55%
Communication Services	1.28%
Consumer Cyclical	0.6%

Asset Allocation

Asset Class	Value
Cash	1.09%
Equity	98.91%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Larsen & Toubro Ltd (Industrials) Equity, Since 30 Jun 12 \| LT	7%	₹166 Cr	421,000
InterGlobe Aviation Ltd (Industrials) Equity, Since 31 Dec 21 \| INDIGO	4%	₹102 Cr	196,369
ICICI Bank Ltd (Financial Services) Equity, Since 31 Oct 09 \| ICICIBANK	4%	₹95 Cr	665,000 ↓ -110,000
Kalpataru Projects International Ltd (Industrials) Equity, Since 31 Jan 23 \| KPIL	4%	₹95 Cr	736,994
NTPC Ltd (Utilities) Equity, Since 31 Dec 17 \| 532555	3%	₹82 Cr	2,350,000
Adani Ports & Special Economic Zone Ltd (Industrials) Equity, Since 31 Jan 25 \| ADANIPORTS	3%	₹73 Cr	430,000 ↑ 20,000
Power Grid Corp Of India Ltd (Utilities) Equity, Since 30 Apr 24 \| 532898	3%	₹68 Cr	2,400,000
J Kumar Infraprojects Ltd (Industrials) Equity, Since 31 Oct 15 \| JKIL	3%	₹67 Cr	1,400,000
Power Finance Corp Ltd (Financial Services) Equity, Since 30 Jun 17 \| 532810	2%	₹58 Cr	1,375,000
TD Power Systems Ltd (Industrials) Equity, Since 30 Jun 23 \| TDPOWERSYS	2%	₹53 Cr	465,000 ↓ -40,000

4. HDFC Tax Saver Fund

The fund plans to provide long term growth of capital.

Research Highlights for HDFC Tax Saver Fund

Lower mid AUM (₹16,095 Cr).
Established history (30+ yrs).
Rating: 2★ (bottom quartile).
Risk profile: Moderately High.
5Y return: 13.42% (lower mid).
3Y return: 11.90% (lower mid).
1Y return: -4.93% (bottom quartile).
Alpha: -4.53 (bottom quartile).
Sharpe: -0.33 (bottom quartile).
Information ratio: 0.48 (upper mid).
Higher exposure to Financial Services vs peer median.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~99%).
High-quality debt (AAA/AA ~100%).
Largest holding ICICI Bank Ltd (~9.1%).

Below is the key information for HDFC Tax Saver Fund

HDFC Tax Saver Fund Growth
Launch Date	31 Mar 96
NAV (09 Sep 26)	₹1,348.56 ↓ -11.11 (-0.82 %)
Net Assets (Cr)	₹16,095 on 31 Jul 26
Category	Equity - ELSS
AMC	HDFC Asset Management Company Limited
Rating	☆☆
Risk	Moderately High
Expense Ratio	1.7
Sharpe Ratio	-0.33
Information Ratio	0.48
Alpha Ratio	-4.53
Min Investment	500
Min SIP Investment	500
Exit Load	NIL

Growth of 10,000 investment over the years.

Date	Value
31 Aug 21	₹10,000
31 Aug 22	₹11,227
31 Aug 23	₹13,273
31 Aug 24	₹19,633
31 Aug 25	₹19,890
31 Aug 26	₹19,791

HDFC Tax Saver Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹426,080.
Net Profit of ₹126,080 Invest Now

Returns for HDFC Tax Saver Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 9 Sep 26

Duration	Returns
1 Month	-3.7%
3 Month	3%
6 Month	0.3%
1 Year	-4.9%
3 Year	11.9%
5 Year	13.4%
10 Year
15 Year
Since launch

Historical performance (Yearly) on absolute basis

Year	Returns
2025	10.3%
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%

Fund Manager information for HDFC Tax Saver Fund

Name	Since	Tenure
Amar Kalkundrikar	8 Dec 25	0.65 Yr.
Dhruv Muchhal	22 Jun 23	3.11 Yr.

Data below for HDFC Tax Saver Fund as on 31 Jul 26

Equity Sector Allocation

Sector	Value
Financial Services	41.27%
Consumer Cyclical	17.75%
Health Care	8.19%
Technology	6.72%
Industrials	6.66%
Communication Services	4.64%
Consumer Defensive	4.49%
Basic Materials	4.37%
Energy	2.7%
Utility	1.77%

Asset Allocation

Asset Class	Value
Cash	1.13%
Equity	98.55%
Debt	0.31%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
ICICI Bank Ltd (Financial Services) Equity, Since 31 Oct 09 \| ICICIBANK	9%	₹1,471 Cr	10,250,000 ↓ -750,000
HDFC Bank Ltd (Financial Services) Equity, Since 31 Mar 15 \| HDFCBANK	8%	₹1,242 Cr	16,600,000
Axis Bank Ltd (Financial Services) Equity, Since 31 Oct 18 \| 532215	6%	₹984 Cr	8,000,000 ↓ -863,395
Maruti Suzuki India Ltd (Consumer Cyclical) Equity, Since 31 Jan 24 \| MARUTI	5%	₹783 Cr	550,000
Bharti Airtel Ltd (Communication Services) Equity, Since 30 Nov 19 \| BHARTIARTL	5%	₹747 Cr	3,788,193
State Bank of India (Financial Services) Equity, Since 31 Dec 06 \| SBIN	4%	₹719 Cr	7,000,000
Kotak Mahindra Bank Ltd (Financial Services) Equity, Since 31 Dec 23 \| KOTAKBANK	4%	₹683 Cr	17,500,000
SBI Life Insurance Co Ltd (Financial Services) Equity, Since 31 Jan 22 \| SBILIFE	3%	₹562 Cr	2,988,654
HCL Technologies Ltd (Technology) Equity, Since 30 Sep 20 \| HCLTECH	3%	₹482 Cr	3,575,000
Hyundai Motor India Ltd (Consumer Cyclical) Equity, Since 31 Oct 24 \| HYUNDAI	3%	₹436 Cr	2,000,000

5. HDFC Growth Opportunities Fund

(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

Upper mid AUM (₹30,099 Cr).
Established history (32+ yrs).
Rating: 2★ (bottom quartile).
Risk profile: Moderately High.
5Y return: 14.01% (lower mid).
3Y return: 11.77% (lower mid).
1Y return: 2.30% (upper mid).
Alpha: -1.29 (bottom quartile).
Sharpe: -0.01 (upper mid).
Information ratio: -0.22 (bottom quartile).
Top sector: Financial Services.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~99%).
Largest holding ICICI Bank Ltd (~3.8%).

Below is the key information for HDFC Growth Opportunities Fund

HDFC Growth Opportunities Fund Growth
Launch Date	18 Feb 94
NAV (09 Sep 26)	₹345.108 ↓ -2.21 (-0.64 %)
Net Assets (Cr)	₹30,099 on 31 Jul 26
Category	Equity - Large & Mid Cap
AMC	HDFC Asset Management Company Limited
Rating	☆☆
Risk	Moderately High
Expense Ratio	1.66
Sharpe Ratio	-0.01
Information Ratio	-0.22
Alpha Ratio	-1.29
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 Aug 21	₹10,000
31 Aug 22	₹11,208
31 Aug 23	₹13,688
31 Aug 24	₹19,836
31 Aug 25	₹18,908
31 Aug 26	₹20,160

HDFC Growth Opportunities Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹436,710.
Net Profit of ₹136,710 Invest Now

Returns for HDFC Growth Opportunities Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 9 Sep 26

Duration	Returns
1 Month	-2.6%
3 Month	4.6%
6 Month	7%
1 Year	2.3%
3 Year	11.8%
5 Year	14%
10 Year
15 Year
Since launch	12.5%

Historical performance (Yearly) on absolute basis

Year	Returns
2025	6.1%
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%

Fund Manager information for HDFC Growth Opportunities Fund

Name	Since	Tenure
Gopal Agrawal	16 Jul 20	6.05 Yr.
Dhruv Muchhal	22 Jun 23	3.11 Yr.

Data below for HDFC Growth Opportunities Fund as on 31 Jul 26

Equity Sector Allocation

Sector	Value
Financial Services	30.04%
Consumer Cyclical	14.19%
Health Care	14.04%
Industrials	9.44%
Technology	9.09%
Basic Materials	7.1%
Utility	3.42%
Energy	3.38%
Communication Services	3.24%
Consumer Defensive	2.83%
Real Estate	2.62%

Asset Allocation

Asset Class	Value
Cash	0.6%
Equity	99.4%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
ICICI Bank Ltd (Financial Services) Equity, Since 31 Aug 12 \| ICICIBANK	4%	₹1,134 Cr	7,900,836
HDFC Bank Ltd (Financial Services) Equity, Since 31 Jan 03 \| HDFCBANK	4%	₹1,097 Cr	14,664,794
Bharti Airtel Ltd (Communication Services) Equity, Since 31 Jan 22 \| BHARTIARTL	2%	₹573 Cr	2,906,378
Axis Bank Ltd (Financial Services) Equity, Since 30 Sep 22 \| 532215	2%	₹559 Cr	4,550,000 ↑ 300,000
Reliance Industries Ltd (Energy) Equity, Since 31 May 07 \| RELIANCE	1%	₹448 Cr	3,426,186
Fortis Healthcare Ltd (Healthcare) Equity, Since 31 Mar 24 \| 532843	1%	₹447 Cr	4,733,349
State Bank of India (Financial Services) Equity, Since 30 Jun 14 \| SBIN	1%	₹433 Cr	4,210,091
Maruti Suzuki India Ltd (Consumer Cyclical) Equity, Since 31 Dec 21 \| MARUTI	1%	₹418 Cr	293,447
Prestige Estates Projects Ltd (Real Estate) Equity, Since 30 Jun 18 \| PRESTIGE	1%	₹404 Cr	2,500,000
Max Financial Services Ltd (Financial Services) Equity, Since 30 Jun 18 \| 500271	1%	₹390 Cr	2,602,017

6. HDFC Small Cap Fund

To provide long-term capital appreciation by investing predominantly in Small-Cap and Mid-Cap companies.

Research Highlights for HDFC Small Cap Fund

Highest AUM (₹41,679 Cr).
Established history (18+ yrs).
Top rated.
Risk profile: Moderately High.
5Y return: 14.33% (upper mid).
3Y return: 9.50% (bottom quartile).
1Y return: -1.93% (lower mid).
Alpha: 0.00 (upper mid).
Sharpe: -0.26 (bottom quartile).
Information ratio: 0.00 (bottom quartile).
Top sector: Consumer Cyclical.
Higher exposure to Cash Equivalent (bond sector) vs peer median.
Equity-heavy allocation (~90%).
Largest holding Firstsource Solutions Ltd (~4.2%).

Below is the key information for HDFC Small Cap Fund

HDFC Small Cap Fund Growth
Launch Date	3 Apr 08
NAV (09 Sep 26)	₹139.287 ↓ -0.62 (-0.44 %)
Net Assets (Cr)	₹41,679 on 31 Jul 26
Category	Equity - Small Cap
AMC	HDFC Asset Management Company Limited
Rating	☆☆☆☆
Risk	Moderately High
Expense Ratio	1.58
Sharpe Ratio	-0.26
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 Aug 21	₹10,000
31 Aug 22	₹10,882
31 Aug 23	₹14,978
31 Aug 24	₹20,426
31 Aug 25	₹20,037
31 Aug 26	₹20,177

HDFC Small Cap Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹436,710.
Net Profit of ₹136,710 Invest Now

Returns for HDFC Small Cap Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 9 Sep 26

Duration	Returns
1 Month	-2.4%
3 Month	4.4%
6 Month	10.9%
1 Year	-1.9%
3 Year	9.5%
5 Year	14.3%
10 Year
15 Year
Since launch	15.4%

Historical performance (Yearly) on absolute basis

Year	Returns
2025	-0.6%
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%

Fund Manager information for HDFC Small Cap Fund

Name	Since	Tenure
Chirag Setalvad	28 Jun 14	12.1 Yr.
Dhruv Muchhal	22 Jun 23	3.11 Yr.

Data below for HDFC Small Cap Fund as on 31 Jul 26

Equity Sector Allocation

Sector	Value
Consumer Cyclical	21.39%
Industrials	20.06%
Health Care	12.34%
Financial Services	12.28%
Technology	11.43%
Basic Materials	6.87%
Consumer Defensive	3.87%
Communication Services	1.8%

Asset Allocation

Asset Class	Value
Cash	9.96%
Equity	90.04%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Firstsource Solutions Ltd (Technology) Equity, Since 31 Mar 18 \| FSL	4%	₹1,768 Cr	58,522,189
Aster DM Quality Care Ltd Ordinary Shares (Healthcare) Equity, Since 30 Jun 19 \| ASTERDM	4%	₹1,623 Cr	19,740,031
Gabriel India Ltd (Consumer Cyclical) Equity, Since 31 Oct 18 \| GABRIEL	3%	₹1,392 Cr	9,655,309 ↓ -119,735
eClerx Services Ltd (Technology) Equity, Since 31 Mar 18 \| ECLERX	3%	₹1,190 Cr	6,447,656 ↑ 55,580
Bank of Baroda (Financial Services) Equity, Since 31 Mar 19 \| 532134	3%	₹1,136 Cr	46,828,792
Krishna Institute of Medical Sciences Ltd (Healthcare) Equity, Since 31 Jul 23 \| 543308	2%	₹896 Cr	11,133,566
Eris Lifesciences Ltd Registered Shs (Healthcare) Equity, Since 31 Jul 23 \| ERIS	2%	₹876 Cr	6,464,629 ↓ -98,829
Fortis Healthcare Ltd (Healthcare) Equity, Since 31 Jul 23 \| 532843	2%	₹829 Cr	8,770,176 ↓ -669,956
Indian Bank (Financial Services) Equity, Since 31 Jul 16 \| 532814	2%	₹810 Cr	9,688,128
The Federal Bank Ltd (Financial Services) Equity, Since 31 Jan 17 \| FEDERALBNK	2%	₹745 Cr	20,759,451

7. HDFC Top 100 Fund

(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

Upper mid AUM (₹40,198 Cr).
Established history (29+ yrs).
Rating: 3★ (lower mid).
Risk profile: Moderately High.
5Y return: 10.66% (bottom quartile).
3Y return: 8.32% (bottom quartile).
1Y return: -2.18% (bottom quartile).
Alpha: -0.24 (lower mid).
Sharpe: -0.17 (lower mid).
Information ratio: 0.02 (lower mid).
Top sector: Financial Services.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~96%).
High-quality debt (AAA/AA ~100%).
Largest holding ICICI Bank Ltd (~9.9%).

Below is the key information for HDFC Top 100 Fund

HDFC Top 100 Fund Growth
Launch Date	11 Oct 96
NAV (09 Sep 26)	₹1,110.58 ↓ -8.37 (-0.75 %)
Net Assets (Cr)	₹40,198 on 31 Jul 26
Category	Equity - Large Cap
AMC	HDFC Asset Management Company Limited
Rating	☆☆☆
Risk	Moderately High
Expense Ratio	1.61
Sharpe Ratio	-0.17
Information Ratio	0.02
Alpha Ratio	-0.24
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 Aug 21	₹10,000
31 Aug 22	₹11,050
31 Aug 23	₹12,719
31 Aug 24	₹17,769
31 Aug 25	₹16,829
31 Aug 26	₹17,267

HDFC Top 100 Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹395,578.
Net Profit of ₹95,578 Invest Now

Returns for HDFC Top 100 Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 9 Sep 26

Duration	Returns
1 Month	-3.4%
3 Month	3.9%
6 Month	0.9%
1 Year	-2.2%
3 Year	8.3%
5 Year	10.7%
10 Year
15 Year
Since launch	17.9%

Historical performance (Yearly) on absolute basis

Year	Returns
2025	7.9%
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%

Fund Manager information for HDFC Top 100 Fund

Name	Since	Tenure
Rahul Baijal	29 Jul 22	4.01 Yr.
Dhruv Muchhal	22 Jun 23	3.11 Yr.

Data below for HDFC Top 100 Fund as on 31 Jul 26

Equity Sector Allocation

Sector	Value
Financial Services	37.69%
Consumer Cyclical	18.08%
Health Care	10.32%
Industrials	7.94%
Communication Services	5.85%
Energy	4.86%
Consumer Defensive	3.89%
Technology	2.73%
Basic Materials	2.61%
Utility	1.93%
Real Estate	0.35%

Asset Allocation

Asset Class	Value
Cash	3.27%
Equity	96.24%
Debt	0.48%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
ICICI Bank Ltd (Financial Services) Equity, Since 31 Dec 05 \| ICICIBANK	10%	₹3,964 Cr	27,615,474
HDFC Bank Ltd (Financial Services) Equity, Since 31 Jan 10 \| HDFCBANK	7%	₹2,899 Cr	38,752,638
Bharti Airtel Ltd (Communication Services) Equity, Since 30 Apr 20 \| BHARTIARTL	6%	₹2,351 Cr	11,921,785
Kotak Mahindra Bank Ltd (Financial Services) Equity, Since 31 Aug 23 \| KOTAKBANK	5%	₹2,122 Cr	54,361,056
Titan Co Ltd (Consumer Cyclical) Equity, Since 28 Feb 23 \| TITAN	5%	₹2,009 Cr	4,121,802
Reliance Industries Ltd (Energy) Equity, Since 31 Mar 06 \| RELIANCE	5%	₹1,955 Cr	14,950,234
Torrent Pharmaceuticals Ltd (Healthcare) Equity, Since 31 Mar 25 \| TORNTPHARM	4%	₹1,630 Cr	3,180,904
Bajaj Finserv Ltd (Financial Services) Equity, Since 30 Jun 25 \| 532978	3%	₹1,334 Cr	6,572,078
Axis Bank Ltd (Financial Services) Equity, Since 31 Jan 07 \| 532215	3%	₹1,317 Cr	10,711,912
Lupin Ltd (Healthcare) Equity, Since 31 Oct 17 \| 500257	3%	₹1,115 Cr	4,615,980

SIP முதலீடு எப்படி வளரும்?

நீங்கள் ஒரு குறிப்பிட்ட காலத்திற்கு ஒரு குறிப்பிட்ட தொகையை மாதந்தோறும் முதலீடு செய்தால், உங்கள் SIP முதலீடு எவ்வாறு வளரும் என்பதை அறிய விரும்புகிறீர்களா? ஒரு உதாரணத்துடன் உங்களுக்கு விளக்குவோம்.

SIP கால்குலேட்டர் அல்லது SIP ரிட்டர்ன் கால்குலேட்டர்

SIP கால்குலேட்டர்கள் பொதுவாக ஒருவர் முதலீடு செய்ய விரும்பும் SIP முதலீட்டுத் தொகை (இலக்கு) போன்ற உள்ளீடுகளை எடுத்துக்கொள்கிறது, எத்தனை ஆண்டுகள் முதலீடு செய்ய வேண்டும், எதிர்பார்க்கப்படுகிறதுவீக்கம் விகிதங்கள் (இதற்கு ஒருவர் கணக்கு வைக்க வேண்டும்!) மற்றும் எதிர்பார்க்கப்படும் வருமானம். எனவே, ஒரு இலக்கை அடைய தேவையான SIP வருமானத்தை ஒருவர் கணக்கிடலாம்!

நீங்கள் 10 ரூபாய் முதலீடு செய்தால், என்று வைத்துக்கொள்வோம்.000 10 ஆண்டுகளுக்கு, உங்கள் SIP முதலீடு எவ்வாறு வளர்கிறது என்பதைப் பார்க்கவும்-

மாதாந்திர முதலீடு: 10,000 ரூபாய்

முதலீட்டு காலம்: 10 ஆண்டுகள்

முதலீடு செய்யப்பட்ட மொத்த தொகை: இந்திய ரூபாய் 12,00,000

நீண்ட கால வளர்ச்சி விகிதம் (தோராயமாக): 15%

இதன்படி எதிர்பார்க்கப்படும் வருமானம்சிப் கால்குலேட்டர்: இந்திய ரூபாய் 27,86,573

நிகர லாபம்: இந்திய ரூபாய் 15,86,573 (முழுமையான வருவாய்= 132.2%)

நீங்கள் 10 ஆண்டுகளுக்கு மாதம் 10,000 ரூபாய் முதலீடு செய்தால் (மொத்தம் INR12,00,000) நீங்கள் சம்பாதிப்பீர்கள்இந்திய ரூபாய் 27,86,573, அதாவது நீங்கள் செய்யும் நிகர லாபம்இந்திய ரூபாய் 15,86,573. நன்றாக இருக்கிறது அல்லவா!

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