HDFC Flexi Cap Fund SIP Calculator
Calculate historical returns and project future compounding for HDFC Flexi Cap. Test different monthly amounts, tenures, and step-up scenarios using real historical NAV performance.
Category
Flexi Cap
AUM
₹113,606 Cr
Expense Ratio
0.77%
Fund Manager
Chirag Setalvad & Rakesh Sethia
HDFC Flexi Cap Historical SIP Performance & Returns Table
Historical value of standard monthly SIP investments based on actual fund CAGRs.
| Monthly SIP | 3 Years @ 14.6% CAGR | 5 Years @ 15.7% CAGR | 10 Years @ 15.5% CAGR |
|---|---|---|---|
| ₹1,000/mo | ₹45,405 Invested: ₹36,000 | ₹91,547 Invested: ₹60,000 | ₹2,88,116 Invested: ₹1,20,000 |
| ₹2,500/mo | ₹1,13,511 Invested: ₹90,000 | ₹2,28,868 Invested: ₹1,50,000 | ₹7,20,289 Invested: ₹3,00,000 |
| ₹5,000/mo | ₹2,27,023 Invested: ₹1,80,000 | ₹4,57,737 Invested: ₹3,00,000 | ₹14,40,578 Invested: ₹6,00,000 |
| ₹10,000/mo | ₹4,54,045 Invested: ₹3,60,000 | ₹9,15,473 Invested: ₹6,00,000 | ₹28,81,157 Invested: ₹12,00,000 |
| ₹25,000/mo | ₹11,35,113 Invested: ₹9,00,000 | ₹22,88,683 Invested: ₹15,00,000 | ₹72,02,892 Invested: ₹30,00,000 |
* Projections calculated using actual historical 3-year (14.63%), 5-year (15.73%), and 10-year (15.54%) performance data. Actual mutual fund returns fluctuate with market NAV.
About HDFC Flexi Cap Fund
A flexi cap fund that invests across market capitalisations with a focus on high-quality businesses. One of the oldest funds in India with over three decades of history.
Investment Strategy
Growth-oriented approach — seeks to invest in companies with sustainable competitive advantages, strong management teams, and reasonable valuations. The fund can allocate across large, mid, and small caps based on opportunity.
Key Facts
- Inception in 1994 — in operation for over 30 years
- Managed by HDFC AMC's equity team
- Flexi cap structure allows investment across market caps
- Benchmark: Nifty 500 TRI
Historical Returns
3-Year CAGR
14.63%
5-Year CAGR
15.73%
10-Year CAGR
15.54%
Benchmark
Nifty 500 TRI
Returns are illustrative based on historical performance. Actual returns may vary. Data as of August 2026. Verify with AMC before investing.
Top Holdings & Sector Allocation
As of September 2026, HDFC Flexi Cap's portfolio includes:
Top 5 Holdings
- HDFC Bank
- Reliance Industries
- ICICI Bank
- Infosys
- Bajaj Finance
Sector Allocation
Financials 25%, IT 16%, Energy 12%, Consumer 10%, Others 37%
Risk & Drawdowns
Moderate volatility. Standard deviation ~15%. Large AUM provides stability.
Max drawdown -35% in 2008. -30% in March 2020. Recovered in 12 months.
Tax Treatment
LTCG 12.5% above ₹1.25L/year. STCG 20% if sold within 1 year.
Who Should NOT Invest in HDFC Flexi Cap?
Investors seeking pure mid/small cap exposure, or those wanting international diversification.
About the Fund Manager
Chirag Setalvad and Rakesh Sethia managing since 2017. Fund has 30+ year history since 1994.
Who Is This Fund Suitable For?
Suitable for long-term wealth creation with a 7+ year investment horizon. Can serve as a core holding in an equity portfolio.
More Funds from HDFC & Similar Schemes
Similar Funds to Consider
- Parag Parikh Flexi Cap Fund
- UTI Flexi Cap Fund
- Axis Flexi Cap Fund
Or compare side by side using our main SIP calculator — you can test different funds with the same investment amount and dates to see which performed better.
Other Tools for HDFC Flexi Cap Investors
- FIRE Calculator — Plan your retirement corpus with HDFC Flexi Cap as part of your portfolio
- Cost of Delay Calculator — See how much delaying your SIP in HDFC Flexi Cap could cost you
- SIP vs EMI Calculator — Compare investing in HDFC Flexi Cap vs paying off loans
Frequently Asked Questions About HDFC Flexi Cap
What is the historical SIP return of HDFC Flexi Cap?
Based on the latest data, HDFC Flexi Cap has delivered an annualized return (CAGR) of 14.63% over 3 years, 15.73% over 5 years, and 15.54% over 10 years. Max drawdown -35% in 2008. -30% in March 2020. Recovered in 12 months.
How is HDFC Flexi Cap SIP return calculated?
SIP returns are calculated using the XIRR (Extended Internal Rate of Return) method. Each monthly installment buys units at the fund's Net Asset Value (NAV) on that specific day. When markets are down, your SIP buys more units, and when markets are up, it buys fewer units (rupee cost averaging). Our calculator replays this exact process using historical NAV data to compute the precise current value of your accumulated units.
How much return would ₹5,000 monthly SIP in HDFC Flexi Cap generate over 5 years?
At an estimated annual return rate of 15.73%, a monthly ₹5,000 investment (₹3,00,000 total invested) would grow to approximately ₹4,57,737 in 5 years, yielding an estimated wealth gain of ₹1,57,737. Use our interactive calculator above to test custom amounts with actual historical NAV data.
What are the top holdings in HDFC Flexi Cap?
HDFC Flexi Cap's top holdings include HDFC Bank, Reliance Industries, ICICI Bank, and Infosys. The fund's sector allocation is Financials 25%, IT 16%, Energy 12%, Consumer 10%, Others 37%.
What is the risk profile of HDFC Flexi Cap?
Moderate volatility. Standard deviation ~15%. Large AUM provides stability. This fund may not be suitable for investors seeking pure mid/small cap exposure, or those wanting international diversification..
What are the tax implications of investing in HDFC Flexi Cap?
LTCG 12.5% above ₹1.25L/year. STCG 20% if sold within 1 year.
Data last updated: September 2026 | Fund data sourced from AMFI and BSE public APIs
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