HDFC Housing Opportunities · Regular · Growth
NAV
₹20.4930
as of 30 Sept 2026
Expense Ratio
2.23%
AUM
₹1,191 Cr
Lumpsum returns (CAGR)
- 1Y
- -7.09%
- 3Y
- +7.34%
- 5Y
- +9.63%
- Since Inception
- +8.42%
SIP returns (XIRR)
- 1Y
- -10.31%
- 3Y
- -2.04%
- 5Y
- +7.15%
- Since Inception
- +10.98%
What history actually did — last 8 years (Oct 2018 – Sept 2026)
A ₹5,000 monthly SIP for the last 8 years (Oct 2018 – Sept 2026)
Real NAV backtest
A ₹5,000 monthly SIP would be worth ₹7,53,189 today — ₹4,75,000 invested, 11.4% XIRR.
₹4,75,000
Invested
₹7,53,189
Value today
11.4%
XIRR (p.a.)
A ₹1,00,000 lumpsum, the last 8 years (Oct 2018 – Sept 2026)
Real NAV backtest
₹1,00,000 invested 8 years ago would be ₹2,32,690 today (11.1% CAGR).
A regular withdrawal plan (SWP)
Real NAV backtest
A ₹10,00,000 corpus withdrawing ₹5,000/month since Oct 2018 would still hold ₹15,73,710.
Fund vs Benchmark (TRI)
Same SIP, benchmark total-return index
The same SIP would be worth ₹7,53,189 in this fund vs ₹7,83,160 in the benchmark — underperformance of ₹29,971.
Buying the worst day
Real NAV backtest
₹1,00,000 invested on the worst market day of the last 8 years (Oct 2018 – Sept 2026) (22 Mar 2020) would be ₹3,46,049 today (3.46×).
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-0.16
Sharpe Ratio
-0.05
Alpha
0.29
Beta
-0.16
Sortino
14.86%
Std Dev
-16.10%
Max Drawdown
Performance Comparison
Sectoral allocation
as of 31 Aug 2026- Banks30.21%
- Construction14.09%
- Cement & Cement Products12.08%
- Consumer Durables11.00%
- Realty9.04%
- Power7.01%
- Ferrous Metals4.42%
- Retailing2.83%
- Finance2.70%
- Non - Ferrous Metals2.56%
- Gas1.22%
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.8.67%
- 2Icici Bank Ltd.8.41%
- 3Hdfc Bank Ltd.£7.59%
- 4Ntpc Limited7.01%
- 5State Bank Of India6.36%
- 6Ambuja Cements Ltd.5.50%
- 7Ultratech Cement Limited4.91%
- 8Kalpataru Projects International Ltd4.80%
- 9Prestige Estates Projects Ltd.4.55%
- 10Axis Bank Ltd.4.46%
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 ₹1,191 Cr, reflecting investor confidence in the fund's strategy. It benchmarks its performance against NIFTY Housing TRI. The current expense ratio is 2.23%.