HDFC Small Cap Fund SIP Calculator
Calculate historical returns and project future compounding for HDFC Small Cap. Test different monthly amounts, tenures, and step-up scenarios using real historical NAV performance.
Category
Small Cap
AUM
₹41,891 Cr
Expense Ratio
0.78%
Fund Manager
Chirag Setalvad & Rakesh Sethia
HDFC Small Cap Historical SIP Performance & Returns Table
Historical value of standard monthly SIP investments based on actual fund CAGRs.
| Monthly SIP | 3 Years @ 9.9% CAGR | 5 Years @ 14.1% CAGR | 10 Years @ 17.3% CAGR |
|---|---|---|---|
| ₹1,000/mo | ₹42,076 Invested: ₹36,000 | ₹87,469 Invested: ₹60,000 | ₹3,21,663 Invested: ₹1,20,000 |
| ₹2,500/mo | ₹1,05,190 Invested: ₹90,000 | ₹2,18,674 Invested: ₹1,50,000 | ₹8,04,159 Invested: ₹3,00,000 |
| ₹5,000/mo | ₹2,10,380 Invested: ₹1,80,000 | ₹4,37,347 Invested: ₹3,00,000 | ₹16,08,317 Invested: ₹6,00,000 |
| ₹10,000/mo | ₹4,20,760 Invested: ₹3,60,000 | ₹8,74,695 Invested: ₹6,00,000 | ₹32,16,634 Invested: ₹12,00,000 |
| ₹25,000/mo | ₹10,51,901 Invested: ₹9,00,000 | ₹21,86,737 Invested: ₹15,00,000 | ₹80,41,586 Invested: ₹30,00,000 |
* Projections calculated using actual historical 3-year (9.92%), 5-year (14.11%), and 10-year (17.3%) performance data. Actual mutual fund returns fluctuate with market NAV.
Expert Editorial Analysis & Investment Review
Independent, data-driven assessment of HDFC Small Cap Fund covering strategy, benchmark tracking, risk metrics, and suitability for long-term SIP portfolios.
Fund Overview
HDFC Small Cap Fund is a small cap fund managed by HDFC Asset Management Company, investing in companies ranked 251 and below by market capitalisation. The fund follows a growth-oriented approach within the small cap universe, seeking companies with strong business momentum and the potential to scale.
HDFC AMC brings its well-regarded research platform to small cap investing, applying the same rigorous fundamental analysis that has made its large cap and flexi cap funds successful. The fund’s small cap strategy focuses on identifying companies with differentiated business models and strong management teams.
Who Should Invest
This fund suits aggressive investors with a 10+ year horizon who are comfortable with the high volatility characteristic of small cap investing. It works as a satellite holding alongside more conservative core holdings.
Investors should understand that small cap funds can experience 40-50% declines in bear markets and require significant patience to realize their full potential.
Key Strengths
- HDFC research platform — One of India’s most respected AMCs with strong equity research capabilities
- Growth-oriented small cap approach — Focus on companies with strong growth momentum and scalability potential
- Experienced management — Fund management team with deep small cap investing experience
- Brand trust — HDFC is among the most trusted names in Indian asset management
Risks to Consider
- Small cap volatility — Category can decline 40-50% in severe bear markets
- Growth style risk — Growth-oriented approach may underperform during value-led small cap rallies
- Liquidity constraints — Small cap positions may be difficult to exit during market stress
- Size limitations — Large AUM may limit the fund’s ability to take meaningful positions in smaller small caps
How It Compares
Within the small cap category, HDFC Small Cap competes with Nippon India Small Cap and SBI Small Cap. Its growth orientation means it tends to perform well during small cap rallies but may experience sharper drawdowns during corrections.
Performance Context
The small cap category has seen dramatic boom-bust cycles. The 2018 crash saw small cap funds decline 40-50%, followed by a strong recovery in 2019-2021. HDFC Small Cap Fund’s growth approach helped it identify small cap companies with strong recovery potential.
Use Our SIP Calculator with This Fund
To see how a monthly SIP in HDFC Small Cap Fund would have performed over any time period, use our SIP calculator. The real NAV data shows actual performance through full small cap market cycles.
About HDFC Small Cap Fund
A small cap fund from HDFC AMC investing in emerging companies with high growth potential. Benefits from HDFC's strong research and risk management framework.
Investment Strategy
Identifies small cap companies with sustainable competitive advantages, strong balance sheets, and professional management. Takes a long-term view with lower portfolio churn.
Key Facts
- Managed by HDFC AMC's experienced equity team
- Lower portfolio churn compared to category average
- Benefits from HDFC's risk management framework
- Benchmark: Nifty Smallcap 250 TRI
Historical Returns
3-Year CAGR
9.92%
5-Year CAGR
14.11%
10-Year CAGR
17.3%
Benchmark
Nifty Smallcap 250 TRI
Returns are illustrative based on historical performance. Actual returns may vary. Data as of August 2026. Verify with AMC before investing.
Top Holdings & Sector Allocation
As of September 2026, HDFC Small Cap's portfolio includes:
Top 5 Holdings
- C.E. Info Systems
- Affle India
- Newgen Software
- Home First Finance
- Cygnet Industries
Sector Allocation
Financials 16%, IT 15%, Industrial 15%, Consumer 12%, Others 42%
Risk & Drawdowns
High volatility. Standard deviation ~20%. Lower churn than category average.
Max drawdown -46% in 2008. -40% in March 2020. Recovery time 16-20 months.
Tax Treatment
LTCG 12.5% above ₹1.25L/year. STCG 20% if sold within 1 year.
Who Should NOT Invest in HDFC Small Cap?
Investors seeking large cap stability or those with < 10 year horizon.
About the Fund Manager
Chirag Setalvad and Rakesh Sethia. HDFC's risk management framework provides downside protection.
Who Is This Fund Suitable For?
Suitable for investors with high risk appetite and 10+ year horizon. Can be a satellite holding for portfolio diversification.
More Funds from HDFC & Similar Schemes
Similar Funds to Consider
Or compare side by side using our main SIP calculator — you can test different funds with the same investment amount and dates to see which performed better.
Other Tools for HDFC Small Cap Investors
- FIRE Calculator — Plan your retirement corpus with HDFC Small Cap as part of your portfolio
- Cost of Delay Calculator — See how much delaying your SIP in HDFC Small Cap could cost you
- SIP vs EMI Calculator — Compare investing in HDFC Small Cap vs paying off loans
Frequently Asked Questions About HDFC Small Cap
What is the historical SIP return of HDFC Small Cap?
Based on the latest data, HDFC Small Cap has delivered an annualized return (CAGR) of 9.92% over 3 years, 14.11% over 5 years, and 17.3% over 10 years. Max drawdown -46% in 2008. -40% in March 2020. Recovery time 16-20 months.
How is HDFC Small Cap SIP return calculated?
SIP returns are calculated using the XIRR (Extended Internal Rate of Return) method. Each monthly installment buys units at the fund's Net Asset Value (NAV) on that specific day. When markets are down, your SIP buys more units, and when markets are up, it buys fewer units (rupee cost averaging). Our calculator replays this exact process using historical NAV data to compute the precise current value of your accumulated units.
How much return would ₹5,000 monthly SIP in HDFC Small Cap generate over 5 years?
At an estimated annual return rate of 14.11%, a monthly ₹5,000 investment (₹3,00,000 total invested) would grow to approximately ₹4,37,347 in 5 years, yielding an estimated wealth gain of ₹1,37,347. Use our interactive calculator above to test custom amounts with actual historical NAV data.
What are the top holdings in HDFC Small Cap?
HDFC Small Cap's top holdings include C.E. Info Systems, Affle India, Newgen Software, and Home First Finance. The fund's sector allocation is Financials 16%, IT 15%, Industrial 15%, Consumer 12%, Others 42%.
What is the risk profile of HDFC Small Cap?
High volatility. Standard deviation ~20%. Lower churn than category average. This fund may not be suitable for investors seeking large cap stability or those with < 10 year horizon..
What are the tax implications of investing in HDFC Small Cap?
LTCG 12.5% above ₹1.25L/year. STCG 20% if sold within 1 year.
Data last updated: September 2026 | Fund data sourced from AMFI and BSE public APIs
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