HDFC Index Fund Nifty 50 Plan SIP Calculator
Calculate historical returns and project future compounding for HDFC Nifty 50 Index. Test different monthly amounts, tenures, and step-up scenarios using real historical NAV performance.
Category
Index Fund (Large Cap)
AUM
₹23,784 Cr
Expense Ratio
0.29%
Fund Manager
Abhishek Poddar
HDFC Nifty 50 Index Historical SIP Performance & Returns Table
Historical value of standard monthly SIP investments based on actual fund CAGRs.
| Monthly SIP | 3 Years @ 5.9% CAGR | 5 Years @ 6.2% CAGR | 10 Years @ 11.2% CAGR |
|---|---|---|---|
| ₹1,000/mo | ₹39,483 Invested: ₹36,000 | ₹70,473 Invested: ₹60,000 | ₹2,21,321 Invested: ₹1,20,000 |
| ₹2,500/mo | ₹98,707 Invested: ₹90,000 | ₹1,76,184 Invested: ₹1,50,000 | ₹5,53,302 Invested: ₹3,00,000 |
| ₹5,000/mo | ₹1,97,414 Invested: ₹1,80,000 | ₹3,52,367 Invested: ₹3,00,000 | ₹11,06,605 Invested: ₹6,00,000 |
| ₹10,000/mo | ₹3,94,829 Invested: ₹3,60,000 | ₹7,04,734 Invested: ₹6,00,000 | ₹22,13,209 Invested: ₹12,00,000 |
| ₹25,000/mo | ₹9,87,072 Invested: ₹9,00,000 | ₹17,61,836 Invested: ₹15,00,000 | ₹55,33,023 Invested: ₹30,00,000 |
* Projections calculated using actual historical 3-year (5.92%), 5-year (6.19%), and 10-year (11.18%) performance data. Actual mutual fund returns fluctuate with market NAV.
About HDFC Index Fund Nifty 50 Plan
A passive index fund tracking the Nifty 50 index. One of the oldest index funds in India with over two decades of history and a very low expense ratio.
Investment Strategy
Full replication of the Nifty 50 index — holds all 50 constituent stocks in their index weight proportions. Rebalances when the Nifty 50 composition changes (typically semi-annually).
Key Facts
- Expense ratio: 0.20-0.30% (Direct plan)
- One of India's oldest index funds (since 2000)
- Full replication of Nifty 50 index
- Benchmark: Nifty 50 TRI
Historical Returns
3-Year CAGR
5.92%
5-Year CAGR
6.19%
10-Year CAGR
11.18%
Benchmark
Nifty 50 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 Nifty 50 Index's portfolio includes:
Top 5 Holdings
- Reliance Industries
- HDFC Bank
- ICICI Bank
- Infosys
- TCS
Sector Allocation
Financials 35%, IT 14%, Energy 10%, Consumer 8%, Others 33%
Risk & Drawdowns
Low volatility for equity. Standard deviation ~12%. Tracks Nifty 50 closely.
Max drawdown -36% in March 2020. Recovered in 10 months. Tracking error < 0.1%.
Tax Treatment
LTCG 12.5% above ₹1.25L/year. STCG 20% if sold within 1 year.
Who Should NOT Invest in HDFC Nifty 50 Index?
Investors seeking active management or potential to beat the benchmark.
About the Fund Manager
Abhishek Poddar managing since 2018. Passive fund — manager role is replication, not stock selection.
Who Is This Fund Suitable For?
Suitable for passive investors seeking low-cost large cap exposure. One of the cheapest ways to invest in India's top 50 companies. Horizon of 5+ years.
More Funds from HDFC & Similar Schemes
Similar Funds to Consider
- UTI Nifty 50 Index Fund
- SBI Nifty 50 Index Fund
- Motilal Oswal Nifty 50 Index 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 Nifty 50 Index Investors
- FIRE Calculator — Plan your retirement corpus with HDFC Nifty 50 Index as part of your portfolio
- Cost of Delay Calculator — See how much delaying your SIP in HDFC Nifty 50 Index could cost you
- SIP vs EMI Calculator — Compare investing in HDFC Nifty 50 Index vs paying off loans
Frequently Asked Questions About HDFC Nifty 50 Index
What is the historical SIP return of HDFC Nifty 50 Index?
Based on the latest data, HDFC Nifty 50 Index has delivered an annualized return (CAGR) of 5.92% over 3 years, 6.19% over 5 years, and 11.18% over 10 years. Max drawdown -36% in March 2020. Recovered in 10 months. Tracking error < 0.1%.
How is HDFC Nifty 50 Index 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 Nifty 50 Index generate over 5 years?
At an estimated annual return rate of 6.19%, a monthly ₹5,000 investment (₹3,00,000 total invested) would grow to approximately ₹3,52,367 in 5 years, yielding an estimated wealth gain of ₹52,367. Use our interactive calculator above to test custom amounts with actual historical NAV data.
What are the top holdings in HDFC Nifty 50 Index?
HDFC Nifty 50 Index's top holdings include Reliance Industries, HDFC Bank, ICICI Bank, and Infosys. The fund's sector allocation is Financials 35%, IT 14%, Energy 10%, Consumer 8%, Others 33%.
What is the risk profile of HDFC Nifty 50 Index?
Low volatility for equity. Standard deviation ~12%. Tracks Nifty 50 closely. This fund may not be suitable for investors seeking active management or potential to beat the benchmark..
What are the tax implications of investing in HDFC Nifty 50 Index?
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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