If you’re wondering whether HDFC Mutual Fund can help your investment grow 4 to 5 times in 10 years, you’re not alone. Many Indian investors—newbies and seasoned professionals alike—are looking for investment options that can deliver strong long-term returns. The good news? Some HDFC Mutual Fund schemes have already done it.
In this article, we’ll break down how HDFC MF schemes have delivered massive returns in the past, what that means for your investment journey, and how you can choose the right scheme based on your goals. Whether you’re investing via SIPs or lumpsum, this guide is for you.
HDFC Mutual Fund
| Topic | Details |
|---|---|
| Mutual Fund | HDFC Mutual Fund |
| Target Growth | 4x to 5x in 10 years |
| Top Performing Schemes | Flexi Cap, Mid Cap, Small Cap, Focused 30, Balanced Advantage |
| Notable Returns | HDFC Flexi Cap: 18.63% CAGR since 1995 |
| High AUM Schemes | HDFC Balanced Advantage Fund: ₹90,374 Cr+ AUM (Mar 2025) |
If you’re looking to multiply your investment 4x or 5x in the next 10 years, HDFC Mutual Fund offers you some of the most reliable and proven schemes to do so. With the right mix of discipline, patience, and smart selection, you can build a significant corpus. Whether you’re a student just starting your first SIP or a retiree investing your savings, HDFC Mutual Fund has something that fits your journey.
Why HDFC Mutual Fund?
HDFC Mutual Fund is one of India’s largest and most trusted AMCs (Asset Management Companies). It manages over ₹4.9 lakh crore in assets (as of 2024) and has a proven track record of delivering consistent returns across market cycles.
More importantly, several schemes from HDFC have shown the potential to multiply your money four to five times over a 10-year period, thanks to strong fundamentals, disciplined fund management, and India’s growing equity markets.
see also: SBI PPF Yojana: Invest Only ₹12,000 and Collect ₹17 Lakh
5 HDFC MF Schemes That Have Delivered 4x-5x Returns
1. HDFC Flexi Cap Fund
- Launched: January 1, 1995
- CAGR: 18.63% (as of November 2023)
- AUM: ₹1.5 lakh crore+
- Type: Diversified equity (across large-, mid-, and small-caps)
If you had started a SIP of ₹10,000/month in this fund in 1995, your corpus would be worth over ₹15.34 crore today. This makes it one of the most consistent and rewarding funds in India.
2. HDFC Mid-Cap Opportunities Fund
- 5-Year Return: 27.07% CAGR (as of Sep 2024)
- AUM: ₹67,579 crore
- Type: Mid-cap focused
This fund has benefitted from the surge in India’s mid-cap segment. With steady inflows and strong stock-picking strategies, it has helped investors quadruple their investments within a decade.
3. HDFC Small Cap Fund
- 5-Year Return: 24.99% CAGR
- AUM: ₹28,120 crore
- Type: Small-cap equity
High risk, high reward. This fund has delivered powerful gains for long-term investors willing to handle short-term volatility. Ideal for those with a high-risk appetite.
4. HDFC Balanced Advantage Fund
- AUM: ₹90,374 crore (as of March 28, 2025)
- Type: Hybrid (Equity + Debt)
Balanced Advantage Funds are perfect for conservative investors. While they may not beat small/mid-cap returns, they offer lower volatility with reasonable growth. The HDFC Balanced Advantage Fund has become a favorite for retirees and low-risk investors.
5. HDFC Focused 30 Fund
- 5-Year Return: 27.27% CAGR (as of Sep 2024)
- AUM: ₹15,516 crore
- Type: Focused equity (only 30 stocks)
This fund invests in a concentrated portfolio of 30 high-conviction stocks. It’s ideal for investors who want focused exposure to well-researched companies with strong fundamentals.
How to Invest: SIP vs Lumpsum
Systematic Investment Plan (SIP)
- Best for: Salaried professionals, disciplined savers
- Why: Reduces market timing risk, builds wealth gradually
Example: SIP of ₹10,000/month for 10 years in a fund delivering 15% CAGR can grow to over ₹25 lakh.
Lumpsum Investment
पोस्ट ऑफिस FD स्कीम : 365 दिन की FD पर जबरदस्त ब्याज, निवेश करने से पहले जानें ये जानकारी
- Best for: Investors with large capital (bonus, inheritance, etc.)
- Why: Suitable during market dips for better entry points
Example: Lumpsum of ₹5 lakh invested in a 15% CAGR fund can grow to ₹20.2 lakh in 10 years.
Factors That Drive 4x-5x Growth
- Consistent SIPs or smart lumpsum entries
- Staying invested for 10+ years
- Choosing growth-oriented sectors (mid/small-cap, flexi-cap)
- Ignoring short-term volatility
Mutual fund wealth creation isn’t magic. It’s a mix of patience, discipline, and strategic selection.
Expert Tips to Maximize Your Returns
1. Choose the Right Scheme for Your Risk Profile
- Conservative: Balanced Advantage
- Moderate: Flexi Cap, Focused 30
- Aggressive: Mid-Cap, Small-Cap
2. Review Performance Annually
Check for consistency, peer comparison, and portfolio churn. Avoid schemes that deviate too much from their mandate.
3. Stick Through Market Cycles
The biggest wealth creation happens when you ride out the bad years. Markets recover; investors who stay benefit the most.
4. Diversify, But Not Too Much
Choose 2-3 funds across categories. Too many funds dilute returns and are hard to track.
see also: Investing ₹39,000 Can Create a Fund of ₹1 Crore in 10 Years
HDFC Mutual Fund FAQs
Q1. Can mutual funds really give 4x to 5x returns in 10 years?
Yes, especially equity-oriented mutual funds with good fund management. Historical data from HDFC MF schemes supports this.
Q2. Is SIP better than lumpsum?
For most retail investors, SIP is better due to rupee cost averaging. But if you have a large amount during a market dip, lumpsum can work too.
Q3. Are HDFC Mutual Funds safe?
All mutual funds are subject to market risk. But HDFC MF is SEBI-registered, well-regulated, and has a 20+ year track record.
Q4. How much should I invest to get 5x returns?
It’s not about the amount, but the time and growth rate. Use SIP calculators based on expected CAGR to plan.
