HDFC Multi Asset Allocation Fund
HDFC Mutual Fund · Multi Asset Allocation · Regular plan, growth option
NAV (₹), 1 Oct 2026
72.3600
1-day change
-0.57%
1Y return
-1.0%
3Y CAGR
9.8%
5Y CAGR
9.1%
Max drawdown, 5Y
−9.0%
NAV history month-end NAV, ₹ · 3 Apr 2006 to 1 Oct 2026
Returns vs Multi Asset Allocation median (37 schemes)
| Period | Scheme | Category median |
|---|---|---|
| 1 month | -4.3% | -4.0% |
| 3 months | -2.1% | -2.0% |
| 6 months | 1.0% | 3.2% |
| Year to date | -4.3% | -0.8% |
| 1 year | -1.0% | 5.6% |
| 3 years (CAGR) | 9.8% | 12.8% |
| 5 years (CAGR) | 9.1% | 11.7% |
| 7 years (CAGR) | 12.5% | 12.6% |
| 10 years (CAGR) | 10.0% | 10.4% |
| Since first NAV (CAGR) | 9.8% | – |
Rolling returns every business-day start date
| Measure | Scheme | Category median |
|---|---|---|
| 1Y rolling median | 9.1% | 10.9% |
| 3Y rolling median | 11.0% | 13.0% |
| 3Y rolling worst | -4.2% | 3.7% |
| 3Y periods positive | 99% | 100% |
| 3Y periods ahead of benchmark | n/a | n/a |
| 5Y rolling median | 10.2% | 9.9% |
| 5Y rolling worst | 0.6% | 0.9% |
| 5Y periods ahead of benchmark | n/a | n/a |
Benchmark: none available in MFIC's free data for this category.
Risk 36 months, monthly returns, Rf 6.5%
| Measure | Scheme | Category median |
|---|---|---|
| Standard deviation (ann.) | 8.1% | 9.9% |
| Sharpe ratio | 0.43 | 0.67 |
| Sortino ratio | 0.59 | 0.96 |
| Beta | n/a | n/a |
| Alpha (ann.) | n/a | n/a |
| Upside capture | n/a | n/a |
| Downside capture | n/a | n/a |
Drawdowns peak-to-trough falls in NAV
| Measure | Scheme | Category median |
|---|---|---|
| Maximum drawdown, full history | −27.1% | −12.3% |
| Maximum drawdown, last 10Y | −27.1% | −27.3% |
| Maximum drawdown, last 5Y | −9.0% | −10.7% |
| Current drawdown | −6.7% | −6.1% |
| Recovery time of worst fall | 122 days | – |
Longer histories include more crises, so compare the 5Y and 10Y figures across schemes of different ages.
Direct or Regular for this scheme?
The Regular plan's expense ratio is 2.00% a year and the Direct plan's 1.00%, a gap of 1.00%; over the last 3 years the Direct plan returned 1.22 percentage points a year more. On a ₹25,000 monthly SIP for 20 years (illustration at 12% a year before costs) the gap adds up to about ₹22,90,513.
With the Regular plan, that cost pays a distributor to help you plan, choose and review funds, and stay invested when markets fall. Whether it is worth it depends on how much of that you will do yourself.
TER: AMFI TER disclosure. Returns: AMFI NAVs. Illustration, not a guaranteed saving or return.
Recent disclosure changes last 120 days, as disclosed via AMFI
- 28 Sep 2026: TER increased from 1.99% to 2.00% (AMFI TER disclosure)
- 25 Sep 2026: TER reduced from 2.00% to 1.99% (AMFI TER disclosure)
- 24 Sep 2026: TER increased from 1.99% to 2.00% (AMFI TER disclosure)
Cost, size and riskometer as disclosed to AMFI
| Measure | Scheme | Category median |
|---|---|---|
| Expense ratio (TER), Regular plan | 2.00% | 2.16% |
| AUM, whole scheme (₹ crore) | 5,782 | 1,913 |
| Riskometer | High | – |
TER: AMFI, TER of MF Schemes. AUM and riskometer: AMFI, Fund Performance, 30 Sep 2026.
Official benchmark and category consistency
| Measure | Scheme | Benchmark / category |
|---|---|---|
| Month-ends above category median (3Y CAGR) | 34% | 38% median |
| Month-ends in category top quartile (3Y) | 0% | 28% median |
| 7Y rolling CAGR, median (monthly windows) | 10.0% | 9.9% median |
Official benchmark: 65% Nifty 50 TRI + 22.5% Nifty Composite Debt Index + 10% Domestic Price of Gold + 2.5% Domestic Price of Silver (total return index, as published by AMFI). Category consistency: last 10 years of month-ends, Multi Asset Allocation Regular plans; how it is calculated.
Calendar-year returns NAV change from 31 Dec to 31 Dec
| Year | Scheme | Benchmark | Difference |
|---|---|---|---|
| 2026 YTD | -4.3% | n/a | – |
| 2025 | 13.2% | n/a | – |
| 2024 | 13.5% | n/a | – |
| 2023 | 18.0% | n/a | – |
| 2022 | 4.3% | n/a | – |
| 2021 | 17.9% | n/a | – |
| 2020 | 20.9% | n/a | – |
| 2019 | 9.3% | n/a | – |
| 2018 | -1.9% | n/a | – |
| 2017 | 11.8% | n/a | – |
No free benchmark proxy for this category. The first year starts from the first 31 December in the scheme's history.
Monthly SIP of ₹10,000 first business day of each month, ending 1 Oct 2026
| Period | Invested | Value | XIRR |
|---|---|---|---|
| 1 year | ₹1,20,000 | ₹1,16,467 | -5.4% |
| 3 years | ₹3,60,000 | ₹3,85,731 | 4.5% |
| 5 years | ₹6,00,000 | ₹7,39,879 | 8.3% |
| 10 years | ₹12,00,000 | ₹20,80,200 | 10.6% |
Uses this plan's NAVs; ignores stamp duty, exit loads and taxes. One historical path only — the interactive SIP analyzer shows outcomes across every start date.
Scheme facts
AMC: HDFC Mutual Fund
Category: Multi Asset Allocation
Plan / option: Regular · Growth
AMFI scheme code: 103131
ISIN: INF179K01AP0
First NAV in MFIC data: 3 Apr 2006
History: 20.5 years
Portfolio holdings: see the scheme's monthly portfolio disclosure on the fund house website
Schemes that behaved similarly correlation of monthly returns, last 5 years
| Scheme | Category | Correlation | 3Y CAGR |
|---|---|---|---|
| Quantum Multi Asset Allocation Fund | Multi Asset Allocation | 0.97 | n/a |
| Sundaram Multi Asset Allocation Fund | Multi Asset Allocation | 0.97 | n/a |
| Mirae Asset Multi Asset Allocation Fund | Multi Asset Allocation | 0.97 | n/a |
| Baroda BNP Paribas Multi Asset Fund | Multi Asset Allocation | 0.96 | 12.1% |
| Union Multi Asset Allocation Fund | Multi Asset Allocation | 0.96 | n/a |
| Bajaj Finserv Multi Asset Allocation Fund | Multi Asset Allocation | 0.96 | n/a |
Questions about HDFC Multi Asset Allocation Fund
- What is the latest NAV of HDFC Multi Asset Allocation Fund?
- The NAV of the Regular plan (growth option) was ₹72.3600 on 1 Oct 2026, as published by AMFI.
- Which category is HDFC Multi Asset Allocation Fund in?
- It is classified as Multi Asset Allocation in AMFI's daily NAV file. MFIC compares it with 37 Multi Asset Allocation schemes (Regular plans).
- What returns has HDFC Multi Asset Allocation Fund delivered?
- Over one year the NAV changed by -1.0%. The 3-year CAGR is 9.8% (category median 12.8%) and the 5-year CAGR is 9.1% (category median 11.7%). Returns are after expenses and before tax. Past performance may or may not be sustained in future.
- How consistent have its 3-year returns been?
- Measuring a 3-year CAGR from every business day in its history, the median was 11.0%, the lowest was -4.2%, and 99% of 3-year periods ended with a gain.
- What was the largest fall in HDFC Multi Asset Allocation Fund's NAV?
- The largest peak-to-trough fall in its available history was 27.1%; within the last five years it was 9.0% (category median 10.7%).
- How volatile is HDFC Multi Asset Allocation Fund?
- Its annualised standard deviation of monthly returns over the last 36 months is 8.1%, which is below the Multi Asset Allocation category median of 9.9%.
- What would a monthly SIP in HDFC Multi Asset Allocation Fund have grown to?
- A SIP of ₹10,000 on the first business day of each month for the last 5 years (60 instalments, ₹6,00,000 invested) would have been worth about ₹7,39,879 on 1 Oct 2026, an annualised return (XIRR) of 8.3%. This uses the Regular plan's NAVs, ignores taxes and exit loads, and past performance may or may not be sustained in future.
- What is the expense ratio (TER) of HDFC Multi Asset Allocation Fund?
- The total expense ratio of the Regular plan is 2.00% a year, as disclosed to AMFI (median of Multi Asset Allocation Regular plans: 2.16%). It is already deducted from the NAV, so every return shown is after expenses.
- How large is HDFC Multi Asset Allocation Fund?
- Assets under management of the whole scheme were ₹5,782 crore on 30 Sep 2026, as published by AMFI.
- What is the riskometer level of HDFC Multi Asset Allocation Fund?
- AMFI lists the scheme's riskometer as “High”, and its benchmark's as “High”. The riskometer is a label of potential risk set under SEBI rules, not a forecast.
- How often has HDFC Multi Asset Allocation Fund beaten its category?
- At 34% of the 120 month-ends compared over the last 10 years, its 3-year return was above the median of Multi Asset Allocation schemes (Regular plans); it was in the top quarter at 0% of them. A typical scheme would show about 50%.
- What is the difference between the Direct and Regular plans?
- Both plans hold the same portfolio; the Regular plan includes distribution costs in its expense ratio. Over one year the Direct plan's NAV changed by 0.0% and the Regular plan's by -1.0%. The Regular plan includes the services of a distributor.
Reviewing your own mutual fund portfolio?
Integrato's team can walk you through how your current schemes have behaved, using the same data shown here. Integrato is an AMFI-registered Mutual Fund Distributor.
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Data & disclosure. Source: AMFI daily NAV file and historical NAVs via mfapi.in; calculations by MFIC, as of 1 Oct 2026. Category medians use Regular plans in the same AMFI category. Mutual fund investments are subject to market risks; read all scheme-related documents carefully. Past performance may or may not be sustained in future. This page is for research and education only and is not investment advice or a recommendation to buy, sell or hold any scheme. Integrato Financial Services Pvt. Ltd. is an AMFI-registered Mutual Fund Distributor (ARN-173155). Methodology.