Mumbai: HDFC Flexi Cap Fund, the flagship scheme from HDFC Mutual Fund, has delivered outstanding long-term returns, turning a ₹1,000 monthly SIP into a massive ₹2.03 crore over three decades. A lump sum investment of ₹1 lakh, if made at launch, would have grown nearly 195 times to ₹1.95 crore, thanks to the fund’s impressive annualised return of 18.91% since its inception in January 1995.
Rated 5 stars by both Value Research and CRISIL, this fund has outshone its benchmark, the NIFTY 500 TRI, and the average of its flexi-cap peers. Over the last year, it has returned 15.69%, far ahead of its category’s 8.41% average.
📈 Performance Snapshot:
- 3-year CAGR: 24.95%
- 5-year CAGR: 31.22%
- 10-year CAGR: 15.29%
- 15-year CAGR: 14.94%
- 20-year CAGR: 17.95%
- Since inception (30 years): 18.91%
- 30-Year SIP (₹10K/month): ₹2.03 crore
- SIP Annualised Returns: 20.26%
💼 What Makes HDFC Flexi Cap Fund Stand Out?
As a flexi-cap fund, it dynamically allocates assets across large-cap, mid-cap, and small-cap stocks, giving it the flexibility to adapt to changing market cycles. The fund’s expense ratio stands at 1.39%, and it manages an AUM of over ₹74,000 crore.
🔍 Portfolio Insights (Top Sector Allocation):
- Financials – 39.52%
- Consumer Discretionary – 16%
- Healthcare – 9.18%
- Technology – 8.77%
- Materials – 4.78%
📊 Top Holdings (Company-wise):
- ICICI Bank – 9.44%
- HDFC Bank – 9.35%
- Axis Bank – 8.48%
- Kotak Mahindra Bank – 4.92%
- SBI Life Insurance – 4.65%
⚖️ Risk & Return Indicators:
- Standard Deviation: 12.40% (Moderate volatility)
- Sharpe Ratio: 1.37 (Strong risk-adjusted return)
- Beta: 0.83 (Less volatile than market)
- Alpha: 7.35% (Outperformance over benchmark)
👤 Who Should Invest?
HDFC Flexi Cap Fund is ideal for long-term investors looking to build wealth with exposure across all market capitalisations. Suitable for individuals with a 5–7 year horizon, the fund offers diversification, flexibility, and consistent performance. However, short-term fluctuations are expected due to mid and small-cap exposure.
