10 بہترین HDFC MF SIP فنڈز 2022

Updated on September 26, 2026 , 151655 views

منظمسرمایہ کاری کا منصوبہ یاگھونٹ کا ایک طریقہ ہےسرمایہ کاری ایک مقررہ وقت پر باقاعدگی سے ایک مقررہ رقم۔ یہ سب سے زیادہ لچکدار اور آسان سرمایہ کاری کا منصوبہ ہے۔ آپ کی رقم آپ سے خود بخود ڈیبٹ ہو جاتی ہے۔بینک اکاؤنٹ اور اسکیم میں سرمایہ کاری کی جاتی ہے۔ SIP کے سرمایہ کاری کے انداز کی وجہ سے، سرمایہ کاروں کو وقت دینے کی ضرورت نہیں ہے۔مارکیٹ.

ایچ ڈی ایف سی میوچل فنڈ، ہندوستان کا ایک نمایاں ہوناAMCs، سرمایہ کار ہمیشہ کمپنی کی طرف سے پیش کردہ SIP فنڈز کو ترجیح دیتے ہیں۔ آپ صرف INR 500 کے ساتھ SIP میں سرمایہ کاری شروع کر سکتے ہیں۔ a کے دیگر فوائد میں سے ایکSIP سرمایہ کاری یہ ہے کہ آپ اپنی منصوبہ بندی اور تکمیل کر سکتے ہیں۔مالی اہداف.

شادی جیسے مقاصدریٹائرمنٹ پلاننگ، گھر/گاڑی وغیرہ کی خریداری اچھی طرح سے منصوبہ بندی کی جا سکتی ہے اور SIP روٹ کے ساتھ وقت پر حاصل کی جا سکتی ہے۔

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ایچ ڈی ایف سی میوچل فنڈ ایس آئی پی میں کیوں سرمایہ کاری کریں؟

HDFC SIP سب سے زیادہ مقبول میں سے ایک ہے۔مشترکہ فنڈ کمپنی کی طرف سے پیش کردہ اسکیمیں۔ ایک SIP بالکل اسی طرح ہے جیسے aریکرنگ ڈپازٹ. ہر ماہ ایک مخصوص تاریخ پر ایک مخصوص رقم جو آپ کے ذریعہ منتخب کی جاتی ہے آپ کی پسند کی میوچل فنڈ اسکیم میں لگائی جاتی ہے۔ SIP سرمایہ کاری کے لیے دستیاب تاریخیں کمپنی کی ویب سائٹ پر دی گئی ہیں۔ متعدد ہیں۔سرمایہ کاری کے فوائد HDFC MF SIP کے ذریعے۔ ان میں سے کچھ میں شامل ہیں:

نظم و ضبط کے ساتھ سرمایہ کاری کی عادت
اپنے مالی مقصد کو حاصل کرنا
روپے کی اوسط لاگت کا فائدہ اٹھانا
ایک مدت کے دوران سرمایہ کاری میں اضافہ جو زیادہ منافع پیدا کرتا ہے۔
صرف INR 500 ماہانہ کی کم از کم SIP سرمایہ کاری

ذیل میں بہترین HDFC SIP فنڈز ہیں (ایکویٹی فنڈز) سال 2022 - 2023 کے لیے۔ ان فنڈز کو AUM جیسے کچھ پیرامیٹرز کے ذریعے شارٹ لسٹ کیا جاتا ہے۔نہیں ہیں، ہم مرتبہ اوسط واپسی، ماضی کی کارکردگی، وغیرہ۔

بہترین HDFC Equity SIP میوچل فنڈز

Fund	NAV	Net Assets (Cr)	Min SIP Investment	3 MO (%)	6 MO (%)	1 YR (%)	3 YR (%)	5 YR (%)	2024 (%)
HDFC Capital Builder Value Fund Growth	₹766.549 ↓ -11.29	₹8,266	300	-0.3	11.3	5	14.3	12.3	8.6
HDFC Focused 30 Fund Growth	₹224.843 ↓ -3.41	₹28,201	300	-2.4	5.2	-3.1	13.5	15.9	10.9
HDFC Infrastructure Fund Growth	₹45.249 ↓ -0.90	₹2,325	300	-5.9	6	-3.9	12.5	17.7	2.2
HDFC Tax Saver Fund Growth	₹1,311.95 ↓ -18.87	₹15,992	500	-3.7	2.4	-7.3	11.3	12.5	10.3
HDFC Growth Opportunities Fund Growth	₹333.686 ↓ -5.13	₹30,294	300	-2.6	8.6	-0.2	11	12.7	6.1
HDFC Small Cap Fund Growth	₹136.945 ↓ -2.24	₹41,891	300	-0.7	12.8	-2.5	9.3	13.4	-0.6
HDFC Top 100 Fund Growth	₹1,074.42 ↓ -17.47	₹39,933	300	-4	2.9	-4.3	7.4	9.2	7.9
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 28 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 (₹8,266 Cr).	Lower mid AUM (₹28,201 Cr).	Bottom quartile AUM (₹2,325 Cr).	Lower mid AUM (₹15,992 Cr).	Upper mid AUM (₹30,294 Cr).	Highest AUM (₹41,891 Cr).	Upper mid AUM (₹39,933 Cr).
Point 2	Oldest track record among peers (32 yrs).	Established history (22+ 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: 12.27% (bottom quartile).	5Y return: 15.93% (upper mid).	5Y return: 17.72% (top quartile).	5Y return: 12.53% (lower mid).	5Y return: 12.66% (lower mid).	5Y return: 13.38% (upper mid).	5Y return: 9.24% (bottom quartile).
Point 6	3Y return: 14.32% (top quartile).	3Y return: 13.49% (upper mid).	3Y return: 12.48% (upper mid).	3Y return: 11.28% (lower mid).	3Y return: 11.05% (lower mid).	3Y return: 9.34% (bottom quartile).	3Y return: 7.37% (bottom quartile).
Point 7	1Y return: 5.02% (top quartile).	1Y return: -3.09% (lower mid).	1Y return: -3.88% (lower mid).	1Y return: -7.32% (bottom quartile).	1Y return: -0.25% (upper mid).	1Y return: -2.50% (upper mid).	1Y return: -4.29% (bottom quartile).
Point 8	Alpha: 5.61 (top quartile).	Alpha: -1.72 (lower mid).	Alpha: 0.00 (upper mid).	Alpha: -5.80 (bottom quartile).	Alpha: -1.22 (lower mid).	Alpha: -7.96 (bottom quartile).	Alpha: 0.44 (upper mid).
Point 9	Sharpe: 0.38 (top quartile).	Sharpe: -0.04 (upper mid).	Sharpe: -0.17 (lower mid).	Sharpe: -0.31 (bottom quartile).	Sharpe: 0.14 (upper mid).	Sharpe: -0.18 (bottom quartile).	Sharpe: -0.10 (lower mid).
Point 10	Information ratio: 1.76 (top quartile).	Information ratio: 0.69 (upper mid).	Information ratio: 0.00 (lower mid).	Information ratio: 0.40 (upper mid).	Information ratio: -0.28 (bottom quartile).	Information ratio: -0.58 (bottom quartile).	Information ratio: 0.00 (lower mid).

HDFC Capital Builder Value Fund

Bottom quartile AUM (₹8,266 Cr).
Oldest track record among peers (32 yrs).
Rating: 3★ (upper mid).
Risk profile: Moderately High.
5Y return: 12.27% (bottom quartile).
3Y return: 14.32% (top quartile).
1Y return: 5.02% (top quartile).
Alpha: 5.61 (top quartile).
Sharpe: 0.38 (top quartile).
Information ratio: 1.76 (top quartile).

HDFC Focused 30 Fund

Lower mid AUM (₹28,201 Cr).
Established history (22+ yrs).
Rating: 3★ (upper mid).
Risk profile: Moderately High.
5Y return: 15.93% (upper mid).
3Y return: 13.49% (upper mid).
1Y return: -3.09% (lower mid).
Alpha: -1.72 (lower mid).
Sharpe: -0.04 (upper mid).
Information ratio: 0.69 (upper mid).

HDFC Infrastructure Fund

Bottom quartile AUM (₹2,325 Cr).
Established history (18+ yrs).
Rating: 3★ (lower mid).
Risk profile: High.
5Y return: 17.72% (top quartile).
3Y return: 12.48% (upper mid).
1Y return: -3.88% (lower mid).
Alpha: 0.00 (upper mid).
Sharpe: -0.17 (lower mid).
Information ratio: 0.00 (lower mid).

HDFC Tax Saver Fund

Lower mid AUM (₹15,992 Cr).
Established history (30+ yrs).
Rating: 2★ (bottom quartile).
Risk profile: Moderately High.
5Y return: 12.53% (lower mid).
3Y return: 11.28% (lower mid).
1Y return: -7.32% (bottom quartile).
Alpha: -5.80 (bottom quartile).
Sharpe: -0.31 (bottom quartile).
Information ratio: 0.40 (upper mid).

HDFC Growth Opportunities Fund

Upper mid AUM (₹30,294 Cr).
Established history (32+ yrs).
Rating: 2★ (bottom quartile).
Risk profile: Moderately High.
5Y return: 12.66% (lower mid).
3Y return: 11.05% (lower mid).
1Y return: -0.25% (upper mid).
Alpha: -1.22 (lower mid).
Sharpe: 0.14 (upper mid).
Information ratio: -0.28 (bottom quartile).

HDFC Small Cap Fund

Highest AUM (₹41,891 Cr).
Established history (18+ yrs).
Top rated.
Risk profile: Moderately High.
5Y return: 13.38% (upper mid).
3Y return: 9.34% (bottom quartile).
1Y return: -2.50% (upper mid).
Alpha: -7.96 (bottom quartile).
Sharpe: -0.18 (bottom quartile).
Information ratio: -0.58 (bottom quartile).

HDFC Top 100 Fund

Upper mid AUM (₹39,933 Cr).
Established history (29+ yrs).
Rating: 3★ (lower mid).
Risk profile: Moderately High.
5Y return: 9.24% (bottom quartile).
3Y return: 7.37% (bottom quartile).
1Y return: -4.29% (bottom quartile).
Alpha: 0.44 (upper mid).
Sharpe: -0.10 (lower mid).
Information ratio: 0.00 (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 (₹8,266 Cr).
Oldest track record among peers (32 yrs).
Rating: 3★ (upper mid).
Risk profile: Moderately High.
5Y return: 12.27% (bottom quartile).
3Y return: 14.32% (top quartile).
1Y return: 5.02% (top quartile).
Alpha: 5.61 (top quartile).
Sharpe: 0.38 (top quartile).
Information ratio: 1.76 (top quartile).
Top sector: Financial Services.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~99%).
Largest holding ICICI Bank Ltd (~6.6%).

Below is the key information for HDFC Capital Builder Value Fund

HDFC Capital Builder Value Fund Growth
Launch Date	1 Feb 94
NAV (28 Sep 26)	₹766.549 ↓ -11.29 (-1.45 %)
Net Assets (Cr)	₹8,266 on 31 Aug 26
Category	Equity - Value
AMC	HDFC Asset Management Company Limited
Rating	☆☆☆
Risk	Moderately High
Expense Ratio	1.84
Sharpe Ratio	0.38
Information Ratio	1.76
Alpha Ratio	5.61
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 ₹415,684.
Net Profit of ₹115,684 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 28 Sep 26

Duration	Returns
1 Month	-4.5%
3 Month	-0.3%
6 Month	11.3%
1 Year	5%
3 Year	14.3%
5 Year	12.3%
10 Year
15 Year
Since launch	14.4%

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	2.58 Yr.
Dhruv Muchhal	22 Jun 23	3.2 Yr.

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

Equity Sector Allocation

Sector	Value
Financial Services	34.14%
Consumer Cyclical	13.74%
Industrials	10.03%
Health Care	9.71%
Technology	7.76%
Communication Services	4.71%
Consumer Defensive	4.44%
Utility	4.06%
Real Estate	3.91%
Energy	3.36%
Basic Materials	3.32%

Asset Allocation

Asset Class	Value
Cash	0.83%
Equity	99.17%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
ICICI Bank Ltd (Financial Services) Equity, Since 31 Oct 09 \| ICICIBANK	7%	₹545 Cr	3,750,000
HDFC Bank Ltd (Financial Services) Equity, Since 30 Sep 11 \| HDFCBANK	4%	₹367 Cr	5,170,000
State Bank of India (Financial Services) Equity, Since 31 Aug 20 \| SBIN	3%	₹281 Cr	2,650,000
Axis Bank Ltd (Financial Services) Equity, Since 28 Feb 09 \| 532215	3%	₹273 Cr	2,100,000
Bharti Airtel Ltd (Communication Services) Equity, Since 31 May 20 \| BHARTIARTL	3%	₹236 Cr	1,300,000
Larsen & Toubro Ltd (Industrials) Equity, Since 31 Oct 20 \| LT	3%	₹212 Cr	525,000
AU Small Finance Bank Ltd (Financial Services) Equity, Since 31 Aug 24 \| 540611	2%	₹189 Cr	1,740,000
Infosys Ltd (Technology) Equity, Since 31 Jul 09 \| INFY	2%	₹181 Cr	1,600,000 ↓ -100,000
Sun Pharmaceuticals Industries Ltd (Healthcare) Equity, Since 31 Dec 20 \| SUNPHARMA	2%	₹179 Cr	900,000
Bharat Electronics Ltd (Industrials) Equity, Since 30 Jun 20 \| BEL	2%	₹166 Cr	4,000,000

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 (₹28,201 Cr).
Established history (22+ yrs).
Rating: 3★ (upper mid).
Risk profile: Moderately High.
5Y return: 15.93% (upper mid).
3Y return: 13.49% (upper mid).
1Y return: -3.09% (lower mid).
Alpha: -1.72 (lower mid).
Sharpe: -0.04 (upper mid).
Information ratio: 0.69 (upper mid).
Higher exposure to Financial Services vs peer median.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~97%).
High-quality debt (AAA/AA ~100%).
Largest holding ICICI Bank Ltd (~9.5%).

Below is the key information for HDFC Focused 30 Fund

HDFC Focused 30 Fund Growth
Launch Date	17 Sep 04
NAV (28 Sep 26)	₹224.843 ↓ -3.41 (-1.49 %)
Net Assets (Cr)	₹28,201 on 31 Aug 26
Category	Equity - Focused
AMC	HDFC Asset Management Company Limited
Rating	☆☆☆
Risk	Moderately High
Expense Ratio	1.68
Sharpe Ratio	-0.04
Information Ratio	0.69
Alpha Ratio	-1.72
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 ₹447,579.
Net Profit of ₹147,579 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 28 Sep 26

Duration	Returns
1 Month	-5%
3 Month	-2.4%
6 Month	5.2%
1 Year	-3.1%
3 Year	13.5%
5 Year	15.9%
10 Year
15 Year
Since launch	15.2%

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	0.58 Yr.
Dhruv Muchhal	22 Jun 23	3.2 Yr.

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

Equity Sector Allocation

Sector	Value
Financial Services	40.14%
Consumer Cyclical	22.44%
Health Care	10.94%
Industrials	10.91%
Technology	3.96%
Communication Services	3.11%
Utility	2.11%
Basic Materials	2.09%
Real Estate	1.78%

Asset Allocation

Asset Class	Value
Cash	2.34%
Equity	97.48%
Debt	0.18%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
ICICI Bank Ltd (Financial Services) Equity, Since 31 Jul 12 \| ICICIBANK	9%	₹2,675 Cr	18,400,000 ↑ 200,000
HDFC Bank Ltd (Financial Services) Equity, Since 31 Jul 17 \| HDFCBANK	7%	₹2,023 Cr	28,526,520
Axis Bank Ltd (Financial Services) Equity, Since 30 Sep 18 \| 532215	7%	₹1,950 Cr	15,000,000
Kotak Mahindra Bank Ltd (Financial Services) Equity, Since 30 Sep 23 \| KOTAKBANK	6%	₹1,619 Cr	38,608,142 ↑ 835,282
State Bank of India (Financial Services) Equity, Since 30 Apr 12 \| SBIN	5%	₹1,497 Cr	14,120,988
Eternal Ltd (Consumer Cyclical) Equity, Since 28 Feb 26 \| ETERNAL	5%	₹1,353 Cr	41,246,676 ↓ -2,000,000
Sun Pharmaceuticals Industries Ltd (Healthcare) Equity, Since 31 Jul 26 \| SUNPHARMA	4%	₹1,180 Cr	5,947,430 ↑ 755,000
HCL Technologies Ltd (Technology) Equity, Since 30 Apr 22 \| HCLTECH	4%	₹1,115 Cr	8,500,017
InterGlobe Aviation Ltd (Industrials) Equity, Since 30 Nov 24 \| INDIGO	4%	₹1,104 Cr	2,108,802
Maruti Suzuki India Ltd (Consumer Cyclical) Equity, Since 31 Jan 24 \| MARUTI	4%	₹996 Cr	735,545 ↑ 582

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 (₹2,325 Cr).
Established history (18+ yrs).
Rating: 3★ (lower mid).
Risk profile: High.
5Y return: 17.72% (top quartile).
3Y return: 12.48% (upper mid).
1Y return: -3.88% (lower mid).
Alpha: 0.00 (upper mid).
Sharpe: -0.17 (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 (~7.3%).

Below is the key information for HDFC Infrastructure Fund

HDFC Infrastructure Fund Growth
Launch Date	10 Mar 08
NAV (28 Sep 26)	₹45.249 ↓ -0.90 (-1.96 %)
Net Assets (Cr)	₹2,325 on 31 Aug 26
Category	Equity - Sectoral
AMC	HDFC Asset Management Company Limited
Rating	☆☆☆
Risk	High
Expense Ratio	2.04
Sharpe Ratio	-0.17
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 ₹470,047.
Net Profit of ₹170,047 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 28 Sep 26

Duration	Returns
1 Month	-3.5%
3 Month	-5.9%
6 Month	6%
1 Year	-3.9%
3 Year	12.5%
5 Year	17.7%
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	3.2 Yr.
Ashish Shah	1 Nov 25	0.83 Yr.

Data below for HDFC Infrastructure Fund as on 31 Aug 26

Equity Sector Allocation

Sector	Value
Industrials	51.69%
Utility	13.35%
Financial Services	10.93%
Basic Materials	7.6%
Energy	5.23%
Real Estate	4.98%
Technology	1.89%
Health Care	1.55%
Communication Services	1.2%
Consumer Cyclical	0.71%

Asset Allocation

Asset Class	Value
Cash	0.74%
Equity	99.26%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Larsen & Toubro Ltd (Industrials) Equity, Since 30 Jun 12 \| LT	7%	₹170 Cr	421,000
InterGlobe Aviation Ltd (Industrials) Equity, Since 31 Dec 21 \| INDIGO	4%	₹103 Cr	196,369
Kalpataru Projects International Ltd (Industrials) Equity, Since 31 Jan 23 \| KPIL	4%	₹100 Cr	716,994 ↓ -20,000
ICICI Bank Ltd (Financial Services) Equity, Since 31 Oct 09 \| ICICIBANK	4%	₹91 Cr	625,000 ↓ -40,000
NTPC Ltd (Utilities) Equity, Since 31 Dec 17 \| 532555	3%	₹77 Cr	2,350,000
J Kumar Infraprojects Ltd (Industrials) Equity, Since 31 Oct 15 \| JKIL	3%	₹69 Cr	1,400,000
Adani Ports & Special Economic Zone Ltd (Industrials) Equity, Since 31 Jan 25 \| ADANIPORTS	3%	₹69 Cr	430,000
TD Power Systems Ltd (Industrials) Equity, Since 30 Jun 23 \| TDPOWERSYS	3%	₹65 Cr	840,000 ↓ -90,000
Power Grid Corp Of India Ltd (Utilities) Equity, Since 30 Apr 24 \| 532898	2%	₹58 Cr	2,200,000 ↓ -200,000
G R Infraprojects Ltd (Industrials) Equity, Since 31 Jul 21 \| GRINFRA	2%	₹50 Cr	570,000

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 (₹15,992 Cr).
Established history (30+ yrs).
Rating: 2★ (bottom quartile).
Risk profile: Moderately High.
5Y return: 12.53% (lower mid).
3Y return: 11.28% (lower mid).
1Y return: -7.32% (bottom quartile).
Alpha: -5.80 (bottom quartile).
Sharpe: -0.31 (bottom quartile).
Information ratio: 0.40 (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 (~9.3%).

Below is the key information for HDFC Tax Saver Fund

HDFC Tax Saver Fund Growth
Launch Date	31 Mar 96
NAV (28 Sep 26)	₹1,311.95 ↓ -18.87 (-1.42 %)
Net Assets (Cr)	₹15,992 on 31 Aug 26
Category	Equity - ELSS
AMC	HDFC Asset Management Company Limited
Rating	☆☆
Risk	Moderately High
Expense Ratio	1.69
Sharpe Ratio	-0.31
Information Ratio	0.4
Alpha Ratio	-5.8
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 ₹415,684.
Net Profit of ₹115,684 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 28 Sep 26

Duration	Returns
1 Month	-5.7%
3 Month	-3.7%
6 Month	2.4%
1 Year	-7.3%
3 Year	11.3%
5 Year	12.5%
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	0.73 Yr.
Dhruv Muchhal	22 Jun 23	3.2 Yr.

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

Equity Sector Allocation

Sector	Value
Financial Services	42.67%
Consumer Cyclical	17.9%
Health Care	8.26%
Technology	6.18%
Industrials	6.16%
Basic Materials	4.35%
Communication Services	4.29%
Consumer Defensive	4.25%
Energy	2.66%
Utility	1.9%

Asset Allocation

Asset Class	Value
Cash	1.05%
Equity	98.64%
Debt	0.32%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
ICICI Bank Ltd (Financial Services) Equity, Since 31 Oct 09 \| ICICIBANK	9%	₹1,490 Cr	10,250,000
HDFC Bank Ltd (Financial Services) Equity, Since 31 Mar 15 \| HDFCBANK	7%	₹1,177 Cr	16,600,000
Axis Bank Ltd (Financial Services) Equity, Since 31 Oct 18 \| 532215	7%	₹1,040 Cr	8,000,000
Maruti Suzuki India Ltd (Consumer Cyclical) Equity, Since 31 Jan 24 \| MARUTI	5%	₹745 Cr	550,000
State Bank of India (Financial Services) Equity, Since 31 Dec 06 \| SBIN	5%	₹742 Cr	7,000,000
Kotak Mahindra Bank Ltd (Financial Services) Equity, Since 31 Dec 23 \| KOTAKBANK	5%	₹734 Cr	17,500,000
Bharti Airtel Ltd (Communication Services) Equity, Since 30 Nov 19 \| BHARTIARTL	4%	₹686 Cr	3,788,193
SBI Life Insurance Co Ltd (Financial Services) Equity, Since 31 Jan 22 \| SBILIFE	3%	₹520 Cr	2,988,654
HCL Technologies Ltd (Technology) Equity, Since 30 Sep 20 \| HCLTECH	3%	₹469 Cr	3,575,000
Hyundai Motor India Ltd (Consumer Cyclical) Equity, Since 31 Oct 24 \| HYUNDAI	3%	₹441 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 (₹30,294 Cr).
Established history (32+ yrs).
Rating: 2★ (bottom quartile).
Risk profile: Moderately High.
5Y return: 12.66% (lower mid).
3Y return: 11.05% (lower mid).
1Y return: -0.25% (upper mid).
Alpha: -1.22 (lower mid).
Sharpe: 0.14 (upper mid).
Information ratio: -0.28 (bottom quartile).
Top sector: Financial Services.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~100%).
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 (28 Sep 26)	₹333.686 ↓ -5.13 (-1.51 %)
Net Assets (Cr)	₹30,294 on 31 Aug 26
Category	Equity - Large & Mid Cap
AMC	HDFC Asset Management Company Limited
Rating	☆☆
Risk	Moderately High
Expense Ratio	1.64
Sharpe Ratio	0.14
Information Ratio	-0.28
Alpha Ratio	-1.22
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 ₹415,684.
Net Profit of ₹115,684 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 28 Sep 26

Duration	Returns
1 Month	-5.5%
3 Month	-2.6%
6 Month	8.6%
1 Year	-0.2%
3 Year	11%
5 Year	12.7%
10 Year
15 Year
Since launch	12.4%

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	6.13 Yr.
Dhruv Muchhal	22 Jun 23	3.2 Yr.

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

Equity Sector Allocation

Sector	Value
Financial Services	30.01%
Health Care	14.36%
Consumer Cyclical	13.23%
Industrials	10.34%
Technology	9.53%
Basic Materials	7.47%
Energy	3.27%
Utility	3.15%
Communication Services	3.01%
Consumer Defensive	2.65%
Real Estate	2.62%

Asset Allocation

Asset Class	Value
Cash	0.34%
Equity	99.66%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
ICICI Bank Ltd (Financial Services) Equity, Since 31 Aug 12 \| ICICIBANK	4%	₹1,149 Cr	7,900,836
HDFC Bank Ltd (Financial Services) Equity, Since 31 Jan 03 \| HDFCBANK	3%	₹1,040 Cr	14,664,794
Axis Bank Ltd (Financial Services) Equity, Since 30 Sep 22 \| 532215	2%	₹592 Cr	4,550,000
Bharti Airtel Ltd (Communication Services) Equity, Since 31 Jan 22 \| BHARTIARTL	2%	₹527 Cr	2,906,378
State Bank of India (Financial Services) Equity, Since 30 Jun 14 \| SBIN	1%	₹446 Cr	4,210,091
Reliance Industries Ltd (Energy) Equity, Since 31 May 07 \| RELIANCE	1%	₹438 Cr	3,426,186
Fortis Healthcare Ltd (Healthcare) Equity, Since 31 Mar 24 \| 532843	1%	₹429 Cr	4,733,349
Max Financial Services Ltd (Financial Services) Equity, Since 30 Jun 18 \| 500271	1%	₹409 Cr	2,602,017
Prestige Estates Projects Ltd (Real Estate) Equity, Since 30 Jun 18 \| PRESTIGE	1%	₹408 Cr	2,500,000
Gland Pharma Ltd (Healthcare) Equity, Since 31 Jan 23 \| GLAND	1%	₹404 Cr	1,400,000

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 (₹41,891 Cr).
Established history (18+ yrs).
Top rated.
Risk profile: Moderately High.
5Y return: 13.38% (upper mid).
3Y return: 9.34% (bottom quartile).
1Y return: -2.50% (upper mid).
Alpha: -7.96 (bottom quartile).
Sharpe: -0.18 (bottom quartile).
Information ratio: -0.58 (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 (~3.7%).

Below is the key information for HDFC Small Cap Fund

HDFC Small Cap Fund Growth
Launch Date	3 Apr 08
NAV (28 Sep 26)	₹136.945 ↓ -2.24 (-1.61 %)
Net Assets (Cr)	₹41,891 on 31 Aug 26
Category	Equity - Small Cap
AMC	HDFC Asset Management Company Limited
Rating	☆☆☆☆
Risk	Moderately High
Expense Ratio	1.56
Sharpe Ratio	-0.18
Information Ratio	-0.58
Alpha Ratio	-7.96
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 ₹426,080.
Net Profit of ₹126,080 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 28 Sep 26

Duration	Returns
1 Month	-2.5%
3 Month	-0.7%
6 Month	12.8%
1 Year	-2.5%
3 Year	9.3%
5 Year	13.4%
10 Year
15 Year
Since launch	15.2%

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	12.19 Yr.
Dhruv Muchhal	22 Jun 23	3.2 Yr.

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

Equity Sector Allocation

Sector	Value
Consumer Cyclical	22.13%
Industrials	20.12%
Financial Services	12.36%
Health Care	11.29%
Technology	10.95%
Basic Materials	7.32%
Consumer Defensive	3.64%
Communication Services	1.89%

Asset Allocation

Asset Class	Value
Cash	10.3%
Equity	89.7%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Firstsource Solutions Ltd (Technology) Equity, Since 31 Mar 18 \| FSL	4%	₹1,555 Cr	58,722,189 ↑ 200,000
Aster DM Quality Care Ltd Ordinary Shares (Healthcare) Equity, Since 30 Jun 19 \| ASTERDM	4%	₹1,492 Cr	19,740,031
Gabriel India Ltd (Consumer Cyclical) Equity, Since 31 Oct 18 \| GABRIEL	3%	₹1,363 Cr	9,481,123 ↓ -174,186
eClerx Services Ltd (Technology) Equity, Since 31 Mar 18 \| ECLERX	3%	₹1,294 Cr	6,547,683 ↑ 100,027
Bank of Baroda (Financial Services) Equity, Since 31 Mar 19 \| 532134	3%	₹1,117 Cr	46,828,792
Indian Bank (Financial Services) Equity, Since 31 Jul 16 \| 532814	2%	₹871 Cr	9,688,128
Krishna Institute of Medical Sciences Ltd (Healthcare) Equity, Since 31 Jul 23 \| KIMS	2%	₹841 Cr	11,133,566
Eris Lifesciences Ltd Registered Shs (Healthcare) Equity, Since 31 Jul 23 \| ERIS	2%	₹839 Cr	6,464,629
Apar Industries Ltd (Industrials) Equity, Since 30 Sep 16 \| APARINDS	2%	₹797 Cr	450,044 ↓ -20,000
Pearl Global Industries Ltd (Consumer Cyclical) Equity, Since 31 Jul 24 \| PGIL	2%	₹741 Cr	3,008,356 ↑ 137,500

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 (₹39,933 Cr).
Established history (29+ yrs).
Rating: 3★ (lower mid).
Risk profile: Moderately High.
5Y return: 9.24% (bottom quartile).
3Y return: 7.37% (bottom quartile).
1Y return: -4.29% (bottom quartile).
Alpha: 0.44 (upper mid).
Sharpe: -0.10 (lower mid).
Information ratio: 0.00 (lower mid).
Top sector: Financial Services.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~99%).
High-quality debt (AAA/AA ~100%).
Largest holding ICICI Bank Ltd (~10.1%).

Below is the key information for HDFC Top 100 Fund

HDFC Top 100 Fund Growth
Launch Date	11 Oct 96
NAV (28 Sep 26)	₹1,074.42 ↓ -17.47 (-1.60 %)
Net Assets (Cr)	₹39,933 on 31 Aug 26
Category	Equity - Large Cap
AMC	HDFC Asset Management Company Limited
Rating	☆☆☆
Risk	Moderately High
Expense Ratio	1.59
Sharpe Ratio	-0.1
Information Ratio	0
Alpha Ratio	0.44
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 ₹385,859.
Net Profit of ₹85,859 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 28 Sep 26

Duration	Returns
1 Month	-6.1%
3 Month	-4%
6 Month	2.9%
1 Year	-4.3%
3 Year	7.4%
5 Year	9.2%
10 Year
15 Year
Since launch	17.7%

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	4.1 Yr.
Dhruv Muchhal	22 Jun 23	3.2 Yr.

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

Equity Sector Allocation

Sector	Value
Financial Services	39.07%
Consumer Cyclical	18.91%
Health Care	9.95%
Industrials	8.45%
Communication Services	6.23%
Energy	4.78%
Consumer Defensive	3.75%
Technology	2.76%
Basic Materials	2.47%
Utility	1.83%
Real Estate	0.37%

Asset Allocation

Asset Class	Value
Cash	0.96%
Equity	98.56%
Debt	0.48%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
ICICI Bank Ltd (Financial Services) Equity, Since 31 Dec 05 \| ICICIBANK	10%	₹4,015 Cr	27,615,474
HDFC Bank Ltd (Financial Services) Equity, Since 31 Jan 10 \| HDFCBANK	7%	₹2,748 Cr	38,752,638
Bharti Airtel Ltd (Communication Services) Equity, Since 30 Apr 20 \| BHARTIARTL	6%	₹2,486 Cr	13,721,785 ↑ 1,800,000
Kotak Mahindra Bank Ltd (Financial Services) Equity, Since 31 Aug 23 \| KOTAKBANK	6%	₹2,280 Cr	54,361,056
Titan Co Ltd (Consumer Cyclical) Equity, Since 28 Feb 23 \| TITAN	5%	₹2,103 Cr	4,121,802
Reliance Industries Ltd (Energy) Equity, Since 31 Mar 06 \| RELIANCE	5%	₹1,909 Cr	14,950,234
Torrent Pharmaceuticals Ltd (Healthcare) Equity, Since 31 Mar 25 \| TORNTPHARM	4%	₹1,611 Cr	3,180,904
Axis Bank Ltd (Financial Services) Equity, Since 31 Jan 07 \| 532215	3%	₹1,393 Cr	10,711,912
Bajaj Finserv Ltd (Financial Services) Equity, Since 30 Jun 25 \| 532978	3%	₹1,328 Cr	6,572,078
Bajaj Auto Ltd (Consumer Cyclical) Equity, Since 31 Dec 20 \| 532977	3%	₹1,169 Cr	963,478

SIP سرمایہ کاری کیسے بڑھتی ہے؟

جاننا چاہتے ہیں کہ اگر آپ ایک مخصوص مدت کے لیے ماہانہ ایک مخصوص رقم کی سرمایہ کاری کرتے ہیں تو آپ کی SIP سرمایہ کاری کیسے بڑھے گی؟ ہم آپ کو ایک مثال سے سمجھاتے ہیں۔

ایس آئی پی کیلکولیٹر یا ایس آئی پی ریٹرن کیلکولیٹر

SIP کیلکولیٹر عام طور پر ان پٹ لیتے ہیں جیسے SIP سرمایہ کاری کی رقم (مقصد) جو کوئی سرمایہ کاری کرنا چاہتا ہے، مطلوبہ سرمایہ کاری کے سالوں کی تعداد، متوقعمہنگائی شرحیں (کسی کو اس کا حساب دینا ہوگا!) اور متوقع منافع۔ لہذا، کوئی ایک مقصد حاصل کرنے کے لیے درکار SIP ریٹرن کا حساب لگا سکتا ہے!

فرض کریں، اگر آپ 10 روپے کی سرمایہ کاری کرتے ہیں،000 10 سالوں کے لیے، دیکھیں کہ آپ کی SIP سرمایہ کاری کیسے بڑھتی ہے-

ماہانہ سرمایہ کاری: INR 10,000

سرمایہ کاری کی مدت: 10 سال

سرمایہ کاری کی کل رقم: INR 12,00,000

طویل مدتی ترقی کی شرح (تقریباً): 15%

کے مطابق متوقع واپسی۔گھونٹ کیلکولیٹر: INR 27,86,573

خالص منافع: 15,86,573 روپے (مطلق واپسی۔= 132.2%)

مندرجہ بالا حسابات سے پتہ چلتا ہے کہ اگر آپ 10 سال کے لیے ماہانہ 10,000 روپے کی سرمایہ کاری کرتے ہیں (کل INR12,00,000) آپ کمائیں گے۔INR 27,86,573جس کا مطلب ہے کہ آپ جو خالص منافع کماتے ہیں۔15,86,573 روپے. کیا یہ بہت اچھا نہیں ہے!

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Disclaimer:
یہاں فراہم کردہ معلومات کے درست ہونے کو یقینی بنانے کے لیے تمام کوششیں کی گئی ہیں۔ تاہم، ڈیٹا کی درستگی کے حوالے سے کوئی ضمانت نہیں دی جاتی ہے۔ براہ کرم کوئی بھی سرمایہ کاری کرنے سے پہلے اسکیم کی معلومات کے دستاویز کے ساتھ تصدیق کریں۔