HDFC Housing Opportunities Fund

Sectoral / ThematicEquityVery High risk Rank 133 of 164

NAV · Direct-Growth

₹22.17-0.23-1.04%

As of 1 Oct 2026 · AMFI

NAV growth-7.6%

Oct ’25Oct ’26

Arthkar verdictMixed picture

Returns

Lags category

0 of 3 periods ahead

Cost

High

1.25% vs 0.83% peers

Consistency

Steady

positive in 7 of 9 years

Trails its Sectoral / Thematic category on 1Y, 3Y & 5Y.

1Y return

-8.1%

-10.9 vs cat

3Y CAGR

+8.2%

-5.8 vs cat

5Y CAGR

+10.2%

-1.9 vs cat

AUM

₹1.2K Cr

fund size

Expense

1.25%

direct plan

Volatility 3Y

18.2%

3Y std dev

Go deeper on HDFC Housing Opportunities Fund

Two data-only views, computed from this fund's real NAV history — no projections.

HDFC Housing Opportunities Fund SIP returnsWhat ₹1,000–₹25,000/month actually became, 3 to 20 years — real results, with drawdowns and an FD comparison.HDFC Housing Opportunities Fund real oddsYour real chances over every start date in history — how often it made money and beat a fixed deposit.

In plain English

HDFC Housing Opportunities Fund is a Sectoral / Thematic scheme from HDFC. The portfolio is ~94% in equities with 6% kept in cash and short-term debt. Long-run track record: about 10.2% CAGR over 5 years. Volatility is high — expect 30 %+ paper losses during major corrections. Worst historical drawdown: -42% in Mar 2020, recovered in 11 months. Wrong fit if you need this money in less than 7 years.

Auto-generated from holdings, returns and risk data. No paid placement, no copy-pasted boilerplate.

NAV history

Showing Direct · Growth · INF179KC1AU3

NAV (Direct-Growth)

₹22.1690

Last 1Y

-7.59%

Oct 25Min ₹21.08 · Max ₹25.02 · 247 ptsOct 26

Drawdown stories

The crashes you should know about — and how long the fund took to recover.

Mar 2020

-42.2%

Peak ₹10.47 on 23 Jan 2018 → trough ₹6.06 on 24 Mar 2020 (26 months down).

Recovered in 11 months· 2 Feb 2021

Mar 2025 — ongoing

-23.1%

Peak ₹26.45 on 27 Sept 2024 → trough ₹20.34 on 3 Mar 2025 (5 months down).

Not yet recovered

Jun 2022

-20.4%

Peak ₹14.28 on 9 Nov 2021 → trough ₹11.37 on 20 Jun 2022 (7 months down).

Recovered in 3 months· 13 Sept 2022

Mar 2023

-10.4%

Peak ₹15.32 on 14 Dec 2022 → trough ₹13.73 on 28 Mar 2023 (3 months down).

Recovered in 2 months· 7 Jun 2023

Computed from the full NAV history. We show drawdowns deeper than 10%, sorted by depth.

Honesty score

A 1–5 grade on the dimensions other sites won't surface — expense bloat, AUM bloat, concentration, mandate compliance.

Honesty score

3 / 5

Watch a few items. Read the signal detail before investing.

Expense ratio
1.25% — above the typical 1% for equity.
AUM size
₹1.2K Cr.
Sector concentration
Top 3 sectors = 71.5% — fairly concentrated.

Computed from expense ratio, AUM, sector concentration and SEBI mandate compliance. No paid review.

Performance

Returns for various periods, with category average and peer rank.

Period	Returns	Category avg	Rank
1W	-2.92%	-2.97%	146/ 291
1M	-5.35%	-4.80%	156/ 289
3M	-7.66%	-2.87%	271/ 286
6M	+2.71%	+11.48%	252/ 286
YTD	-8.60%	+0.50%	223/ 273
1Y	-8.14%	+2.78%	230/ 261
2Y	-7.04%	+1.38%	195/ 211
3Y	+8.22%	+14.01%	133/ 164
5Y	+10.21%	+12.09%	86/ 126
7Y	+13.76%	+17.57%	79/ 104

Portfolio composition

Asset allocation

Equity94.20%
Cash5.80%

By market cap

Large cap65.19%
Mid cap6.37%
Small cap25.82%
Others2.62%

Concentration

Holdings

Avg market cap

₹1.49 L Cr

Top 10 stocks

61.34%

Top 5 stocks

37.70%

Top 3 sectors

71.55%

Top holdings

Top 15 positions by weight, latest disclosure.

#InstrumentSectorWeight

1
Larsen & Toubro Ltd
—8.71%
1
Larsen & Toubro Ltd
—8.57%
2
NTPC Ltd
—8.53%
3
HDFC Bank Ltd
—8.42%
2
NTPC Ltd
—8.14%
3
HDFC Bank Ltd
—7.83%
4
State Bank of India
—7.66%
5
ICICI Bank Ltd
—7.49%
4
ICICI Bank Ltd
—7.13%
5
Ambuja Cements Ltd
—6.03%
6
Ambuja Cements Ltd
—5.91%
7
State Bank of India
—5.68%
7
Tata Steel Ltd
—5.30%
8
Tata Steel Ltd
—4.90%
8
Kalpataru Projects International Ltd
—4.87%

Fundamentals (vs category)

Portfolio-weighted ratios, compared with the category average.

MetricFundCategory avgDiff

P/E ratio17.2328.47-11.24
P/B ratio2.154.25-2.10
Price / Sales2.033.21-1.18
Price / Cash Flow12.8919.97-7.08
Dividend yield1.23%1.23%+0.00
Return on equity (ROE)13.83%18.47%-4.64

Risk metrics

Standard deviation, Sharpe, Sortino, Beta — all vs category average.

Metric1Y3Y5YCat 1YCat 3YCat 5Y

Standard deviation
Volatility — lower means steadier returns.
17.8118.2917.00———
Sharpe ratio
Risk-adjusted return — higher is better.
-0.380.480.53———
Sortino ratio
Like Sharpe but only counts downside volatility.
-0.500.740.82———
Beta
1 = moves with the market. <1 = less volatile.
——————

Peers in Sectoral / Thematic

Other schemes in the same SEBI category, ranked by AUM.

Peer fundAUM1Y3Y CAGRExpense

Peers in same SEBI category, ranked by AUM. Compare any →

Available plans & options

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