HDFC Housing Opportunities · Regular · Growth
NAV
₹21.6270
as of 13 Nov 2026
Expense Ratio
2.23%
AUM
₹1,166 Cr
Lumpsum returns (CAGR)
- 1Y
- -5.33%
- 3Y
- +7.98%
- 5Y
- +9.77%
- Since Inception
- +8.96%
SIP returns (XIRR)
- 1Y
- +0.98%
- 3Y
- +0.55%
- 5Y
- +8.78%
- Since Inception
- +11.85%
What history actually did — last 8 years (Nov 2018 – Nov 2026)
A ₹5,000 monthly SIP for the last 8 years (Nov 2018 – Nov 2026)
Real NAV backtest
A ₹5,000 monthly SIP would be worth ₹7,93,151 today — ₹4,80,000 invested, 12.4% XIRR.
₹4,80,000
Invested
₹7,93,151
Value today
12.4%
XIRR (p.a.)
A ₹1,00,000 lumpsum, the last 8 years (Nov 2018 – Nov 2026)
Real NAV backtest
₹1,00,000 invested 8 years ago would be ₹2,39,263 today (11.5% CAGR).
A regular withdrawal plan (SWP)
Real NAV backtest
A ₹10,00,000 corpus withdrawing ₹5,000/month since Nov 2018 would still hold ₹15,99,481.
Fund vs Benchmark (TRI)
Same SIP, benchmark total-return index
The same SIP would be worth ₹7,93,151 in this fund vs ₹8,38,187 in the benchmark — underperformance of ₹45,036.
Buying the worst day
Real NAV backtest
₹1,00,000 invested on the worst market day of the last 8 years (Nov 2018 – Nov 2026) (22 Mar 2020) would be ₹3,65,198 today (3.65×).
Historical simulation using actual published NAVs for the stated period. Past performance may or may not be sustained in the future. Not investment advice.
Risk Metrics
Trailing 1 year, annualised-0.48
Sharpe Ratio
-0.05
Alpha
1.02
Beta
-0.45
Sortino
14.44%
Std Dev
-16.10%
Max Drawdown
Performance Comparison
Sectoral allocation
as of 30 Sept 2026- Banks28.09%
- Construction14.01%
- Cement & Cement Products12.23%
- Consumer Durables12.07%
- Realty9.06%
- Power7.33%
- Ferrous Metals4.69%
- Retailing3.41%
- Finance2.66%
- Non - Ferrous Metals2.48%
- Gas1.24%
- Commercial Services & Supplies1.22%
Each sector links to the mutual funds most exposed to it.
Related reading
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Fund Details
Available transactions
Portfolio holdings
- 1Larsen And Toubro Ltd.8.54%
- 2Icici Bank Ltd.8.11%
- 3Hdfc Bank Ltd.£8.05%
- 4Ntpc Limited7.33%
- 5Ambuja Cements Ltd.5.32%
- 6State Bank Of India5.06%
- 7Kalpataru Projects International Ltd5.01%
- 8Ultratech Cement Limited4.98%
- 9Tata Steel Ltd.4.69%
- 10Prestige Estates Projects Ltd.4.38%
What this fund does
HDFC Housing Opportunities · Regular · Growth invests in stocks from a specific sector or theme, offering concentrated exposure to a particular area of the economy. These funds carry sector-specific risks but can deliver significant returns when the underlying sector performs well.
About This Fund
HDFC Housing Opportunities · Regular · Growth is a Sectoral / Thematic mutual fund offered by HDFC Mutual Fund. The fund has been operational for over 8 years. It manages assets worth ₹1,166 Cr, reflecting investor confidence in the fund's strategy. It benchmarks its performance against NIFTY Housing TRI. The current expense ratio is 2.23%.