If you are looking for HDFC Mutual Fund schemes with highest returns, you are in for a treat. Some of the best-performing HDFC funds have helped investors multiply their money up to 5 times in 10 years. What’s more impressive is that even those who started with a small SIP (Systematic Investment Plan) have seen significant wealth creation.
5 HDFC Mutual Fund Schemes with Highest Returns
| Key Details | Description |
|---|---|
| Top Performing Fund | HDFC Mid-Cap Opportunities Fund |
| Highest Annualized Return (10 Years) | Up to 19.3% CAGR |
| Money Multiplied (10 Years) | Up to 5 times |
| Investment Type | SIP & Lump Sum |
| Best For | Long-term investors, wealth creation, retirement planning |
HDFC Mutual Fund schemes with highest returns have proven to be powerful wealth creators over the last decade. Funds like HDFC Mid-Cap Opportunities Fund and HDFC Flexi Cap Fund have delivered up to 19% annualized returns, multiplying investors’ money up to 5 times.
Why Choose HDFC Mutual Fund Schemes?
HDFC Mutual Fund is one of India’s largest and most trusted Asset Management Companies (AMC). Managed by seasoned fund managers, HDFC MF schemes are known for their consistent performance, diversified portfolios, and focus on long-term wealth creation.
Many of their schemes have a proven track record of delivering high returns across different market cycles. Whether you’re an experienced investor or a beginner, HDFC offers a variety of funds suited to various financial goals.
see also: SBI Bank Launches “Amrit Kalash” Fixed Deposit Scheme
Top 5 HDFC Mutual Fund Schemes with Highest Returns
1. HDFC Mid-Cap Opportunities Fund
- Category: Mid-Cap Equity Fund
- 10-Year CAGR: 18.63%
- Performance: A SIP of ₹1,000/month 10 years ago is now worth over ₹2.6 lakhs.
Why It Stands Out:
This fund focuses on mid-cap companies, which are growth-oriented and have the potential to deliver higher returns compared to large-cap stocks. The fund has a diversified portfolio spread across sectors like financial services, chemicals, and industrial manufacturing.
Ideal For: Investors with a moderate to high-risk appetite aiming for long-term capital appreciation.
2. HDFC Flexi Cap Fund
- Category: Flexi-Cap Equity Fund
- 10-Year CAGR: 19.3%
- Performance: Investment multiplied nearly 5 times in 10 years.
Why It Stands Out:
Flexi Cap funds have the freedom to invest across large-cap, mid-cap, and small-cap stocks, offering flexibility to adapt to market conditions. This fund is managed by experienced professionals who actively rebalance the portfolio.
Ideal For: Investors looking for balanced growth with flexibility.
3. HDFC Focused 30 Fund
- Category: Focused Equity Fund (Max 30 stocks)
- 10-Year CAGR: 16.64%
- Performance: A disciplined SIP approach would have grown substantially over the decade.
Why It Stands Out:
This fund concentrates on high-conviction ideas, selecting only 30 stocks, thereby increasing potential upside (though with slightly higher risk).
Ideal For: Investors comfortable with concentrated portfolios aiming for high returns.
4. HDFC Small Cap Fund
- Category: Small-Cap Equity Fund
- 10-Year CAGR: 17.5%
- Performance: Investors’ wealth has grown exponentially, with SIP investors seeing significant gains.
Why It Stands Out:
This fund focuses on smaller companies with high growth potential. It is more volatile but offers the possibility of superior returns over long horizons.
Ideal For: Aggressive investors with a long investment horizon.
5. HDFC Large and Mid Cap Fund
- Category: Large & Mid-Cap Equity Fund
- 10-Year CAGR: 12.29%
- Performance: Ideal mix of stability and growth; good performance in both bullish and bearish markets.
Why It Stands Out:
By investing in both large and mid-sized companies, this fund strikes a balance between stability and high returns.
Ideal For: Investors who want lower risk compared to small-cap/mid-cap funds while still achieving decent growth.
see also: How Much FD is Required to Get a Locker in the Bank? What Things Can You Keep?
SIP vs Lump Sum: Which One Performed Better?
Both SIP and lump sum investments have shown excellent returns in these HDFC schemes, but SIP has the added benefit of rupee cost averaging and is more suitable for salaried professionals who want to invest monthly.
Example:
- SIP: ₹1,000/month in HDFC Mid-Cap Opportunities Fund since 2014 would now be worth ₹2.6 lakh+.
- Lump Sum: A one-time investment of ₹1 lakh in 2014 would now be ₹4.5 lakh+.
How to Start Investing in HDFC Mutual Funds
Here’s a step-by-step guide:
Step 1: Choose the Right Fund
Visit the official HDFC Mutual Fund website and browse schemes.
Step 2: Complete KYC
Submit your PAN, Aadhaar, and bank details either online or via an authorized distributor.
Step 3: Decide SIP or Lump Sum
Start small with SIPs (as low as ₹500/month) or invest a lump sum if you have surplus funds.
Step 4: Monitor Performance Regularly
Track returns every 6-12 months to ensure your financial goals are on track.
HDFC Mutual Fund schemes have consistently outperformed benchmarks due to disciplined stock selection and experienced fund management. Long-term SIP investors, especially in mid-cap and flexi-cap funds, have seen excellent wealth creation.
5 HDFC Mutual Fund Schemes with Highest Returns FAQs
1. Are HDFC Mutual Funds safe?
While no mutual fund is completely risk-free, HDFC Mutual Funds are managed by experts and regulated by SEBI, making them trustworthy. However, market fluctuations may affect returns.
2. Can I withdraw money anytime?
Yes, most equity mutual funds offer liquidity, but check for exit loads or tax implications if withdrawn within a year.
3. How much should I invest?
You can start with as low as ₹500/month via SIP. The amount depends on your financial goals and risk appetite.
4. Are these funds tax-efficient?
Long-term capital gains (after 1 year) up to ₹1 lakh are tax-free annually. Gains beyond that are taxed at 10% without indexation.
5. Which HDFC fund is best for beginners?
HDFC Flexi Cap Fund is ideal for beginners due to its diversified, flexible portfolio.
