HDFC Consumption Fund is a Thematic fund run by HDFC Mutual Fund. On 30-09-2026, it managed ₹954 Cr of investors' money. In the 3 years to 30-10-2026, its Direct plan returned 9.2% a year and its Regular plan returned 7.9% a year. Its benchmark, Nifty India Consumption TRI, returned 11.0% a year over the same 3 years.
NAV (Direct plan)
₹13.47
▼ 0.24% · 30-10-2026
NAV (Regular plan)
₹12.95
▼ 0.24% · 30-10-2026
Expense ratio
1.40%Direct2.42%Regular
1.40%
A year
Riskometer
Very High
Set by the fund house
3 year return
9.2%Direct7.9%Regular
9.2%
A year
HDFC Consumption Fund NAV Today
NAV on 30-10-2026: Direct Plan Growth ₹13.47 (down 0.24% that day); Regular Plan Growth ₹12.95 (down 0.24% that day).
This fund (Direct plan)
₹13.472
HDFC Consumption Fund Returns vs Nifty India Consumption TRI
Returns as on 30-10-2026. Up to one year they are absolute returns. Longer periods are a rate per year.
Trailing returns
Period
1M
3M
6M
1Y
3Y
5Y
10Y
This fund (Direct)
−1.26%
−6.76%
−1.33%
−11.03%
+9.22%
--
--
This fund (Regular)
−1.34%
−7.00%
−1.86%
−12.03%
+7.93%
--
--
Nifty India Consumption TRI
+0.16%
−8.10%
−2.24%
−10.58%
+11.02%
+10.59%
+12.37%
Thematic average
−2.09%
−4.52%
+0.86%
−1.22%
+13.76%
--
--
Best in Thematic
+11.54%
+11.27%
+22.16%
+75.71%
+54.78%
--
--
Worst in Thematic
−16.05%
−11.74%
−13.97%
−22.44%
−4.46%
--
--
Rank in Thematic
74/235
160/232
130/232
200/215
98/133
--
--
Category rows compare the Direct plans of 235 Thematic funds. Rank 1 is the highest return.
HDFC Consumption Fund Year-wise Returns
Return of each calendar year
Year
Direct
Regular
Nifty India Consumption TRI
2026to date
−7.73%
−8.58%
−9.10%
2025
+0.51%
−0.67%
+9.22%
2024
+24.15%
+22.62%
+19.77%
HDFC Consumption Fund Rolling Returns
The return of every holding period in the fund's history, not only the one that ends today
Rolling returns
Each point is the yearly return of one 3-year holding period, plotted on the day it ended. There are 75 periods, one for each trading day from 13-07-2026 to 30-10-2026.
0%5%10%15%20%
HDFC Consumption Fund (Direct)
Nifty India Consumption TRI
Jul 2023 to Jul 2026Aug 2023 to Aug 2026Aug 2023 to Aug 2026Sept 2023 to Sept 2026Oct 2023 to Oct 2026Oct 2023 to Oct 2026
HDFC Consumption Fund (Direct)Nifty India Consumption TRI
0%
0%
Below 0%
0%
0%
0-5%
28%
16%
5-10%
72%
83%
10-15%
0%
1%
15-20%
0%
0%
20-25%
0%
0%
Above 25%
Every holding period at a glance
Period
Periods
Median
Lowest
Highest
With a loss
Benchmark median
Beat benchmark
1 year
567
4.6%
−13.2%
55.3%
33%
6.7%
37%
2 years
319
5.9%
−7.7%
23.5%
15%
7.4%
9%
3 years
75
11.8%
7.5%
14.1%
0%
12.4%
0%
Every SIP holding period at a glance
Period
Periods
Median
Lowest
Highest
With a loss
Benchmark median
Beat benchmark
1 year
28
5.1%
−22.0%
58.4%
32%
8.0%
36%
Lumpsum: the yearly rate (CAGR) from the NAV on a period's first day to the NAV on its last. SIP: the XIRR of the monthly instalments and their value on the last day. "With a loss" counts the periods that ended below the money put in. "Beat benchmark" counts the periods in which the fund did better than Nifty India Consumption TRI over the same days. Past returns do not promise future returns.
HDFC Consumption Fund Risk
How much it swings, and the falls an investor had to sit through
Risk and return
Measure
HDFC Consumption Fund (Direct)This fund
Nifty India Consumption TRI
Return (CAGR)
−11.03%
−10.58%
Standard deviation
14.56%
15.06%
Sharpe ratio
-1.12
-1.05
Sortino ratio
-1.47
-1.38
Maximum drawdown
−18.6%
(31-03-2026)
−17.3%
(30-03-2026)
Beta
0.93
1.00
Alpha
−1.59%
0.00%
From daily NAVs, 30-10-2025 to 30-10-2026. Standard deviation: how much the daily value swings, scaled to a year. Sharpe: return above the risk-free rate (NSE's overnight rate index) per unit of swing. Sortino: the same, counting only the falls. Beta: 1 moves with the benchmark, below 1 moves less. Alpha: return beyond what its beta explains, a year.
Measure
HDFC Consumption Fund (Direct)This fund
Nifty India Consumption TRI
Return (CAGR)
+9.22%
+11.02%
Standard deviation
13.47%
13.92%
Sharpe ratio
0.24
0.36
Sortino ratio
0.33
0.51
Maximum drawdown
−23.5%
(31-03-2026)
−21.9%
(04-03-2025)
Beta
0.88
1.00
Alpha
−1.19%
0.00%
From daily NAVs, 30-10-2023 to 30-10-2026. Standard deviation: how much the daily value swings, scaled to a year. Sharpe: return above the risk-free rate (NSE's overnight rate index) per unit of swing. Sortino: the same, counting only the falls. Beta: 1 moves with the benchmark, below 1 moves less. Alpha: return beyond what its beta explains, a year.
Measure
HDFC Consumption Fund (Direct)This fund
Nifty India Consumption TRI
Return (CAGR)
+9.43%
+9.64%
Standard deviation
13.13%
13.53%
Sharpe ratio
0.25
0.26
Sortino ratio
0.35
0.37
Maximum drawdown
−23.5%
(31-03-2026)
−21.9%
(04-03-2025)
Beta
0.88
1.00
Alpha
+0.22%
0.00%
From daily NAVs, 12-07-2023 to 30-10-2026. Standard deviation: how much the daily value swings, scaled to a year. Sharpe: return above the risk-free rate (NSE's overnight rate index) per unit of swing. Sortino: the same, counting only the falls. Beta: 1 moves with the benchmark, below 1 moves less. Alpha: return beyond what its beta explains, a year.
Drawdowns
How far below its previous high each one was on every day: the falls an investor had to sit through. 0% means it was at a new high.
−25%−20%−15%−10%−5%0%
HDFC Consumption Fund (Direct)
Nifty India Consumption TRI
202420252026
HDFC Consumption Fund (Direct)Nifty India Consumption TRI
Worst fall
High before it
Bottom
Back at the high
Time to climb back
Below its high today
HDFC Consumption Fund (Direct)
−23.5%
23-09-2024
31-03-2026
Not yet
--
−16.4%
Nifty India Consumption TRI
−21.9%
26-09-2024
04-03-2025
Not yet
--
−13.4%
From the Direct plan's daily NAV since 12-07-2023, adjusted for unit splits, and Nifty India Consumption TRI over the same days. "Time to climb back" runs from the bottom to the first day back at the old high.
HDFC Consumption Fund vs Other Thematic Funds
The five Thematic funds with the best three year return, and this fund. Direct plans.
AUM is each fund's size at the end of its last reported month, from its own portfolio file. We calculate the risk ratios from daily NAVs over the last three years. The risk-free return is what NSE's overnight rate index earned over the same years. Alpha and beta compare each fund with its own benchmark's TRI. "--" means we have no figure: for alpha and beta, no daily series for that benchmark.
HDFC Consumption Fund Expense Ratio and Costs
What each plan charges a year, in force from 19-10-2026
Plan
Base expense ratio
Brokerage
Transaction costs
Levies and GST
Total expense ratio
Thematic median
Cost rank (1 = cheapest)
Direct
1.05%
0.04%
0.01%
0.30%
1.40%
1.18%
170/235
Regular
1.94%
0.04%
0.01%
0.43%
2.42%
2.41%
120/235
The expense ratio comes out of the fund's assets every day, so every return on this page is already after it. Base expense ratio: the fund house's own fee. The total adds brokerage, the cost of executing trades, and statutory levies with GST. From AMFI's expense ratio file. Cost rank: where this plan comes when the Thematic funds' plans of the same type are sorted from the lowest total expense ratio to the highest.
Direct vs Regular: what the gap cost
Both plans own the same portfolio, so the difference in what they earned is the Regular plan's extra cost, taken out of its NAV.
Over the last
Regular
Direct
Direct earned more by
₹1 lakh became (Regular)
₹1 lakh became (Direct)
1 year
−12.03%
−11.03%
1.00%
₹87,970
₹88,970
3 years
7.93%
9.22%
1.29% a year
₹1,25,726
₹1,30,289
Returns over more than 1 year are a rate a year (CAGR). ₹1 lakh invested once at the start of each period, valued on the last NAV.
HDFC Consumption Fund SIP Calculator
What a one-time or monthly investment in this fund would be worth today, from its own NAV history
Growth of an investment
Step up each year
PeriodFor
₹10,000 on the first trading day of every month, from 12-07-2023 to 30-10-2026: 40 instalments, ₹4,00,000 in all.
Direct planHDFC Consumption Fund (Direct)Regular planHDFC Consumption Fund (Regular)Nifty India Consumption TRICategory averageCategory average, 235 Thematic fundsAmount invested
From each plan's published NAV (Growth option), the benchmark's TRI and the category average, over the same days. Return a year: XIRR for a SIP, CAGR for a lumpsum, shown for a year or more. It does not include exit load, stamp duty or tax. Past returns do not promise future returns.
HDFC Consumption Fund Asset Allocation
Asset allocation as on 30-09-2026
What the fund holds
98.7%Equity
Asset
Fund
Category
Equity
98.7%
94.5%
Cash and others
1.3%
4.0%
Market cap of stocks
Market cap
Fund
Category
Large Cap
69.6%
45.7%
Mid Cap
11.7%
19.6%
Small Cap
12.7%
24.1%
Not on AMFI's list
4.7%
2.3%
Share of the whole fund. Category: the average of the Thematic funds that hold stocks. Groups follow AMFI's latest list, as SEBI defines them: Large Cap is the 100 largest companies, Mid Cap the next 150, Small Cap the rest.
HDFC Consumption Fund Sector Allocation
Sector allocation of the fund's stocks as on 30-09-2026
Largest sectors
Automobiles22.7%
Retailing19.2%
Consumer Durables9.3%
Diversified FMCG7.4%
Healthcare Services6.0%
Personal Products6.0%
Telecom - Services5.2%
Beverages5.1%
Food Products4.4%
Leisure Services3.8%
The ten largest of 17 sectors. The other 7 add up to 9.7%.
Sector changes
Sector
July 2026
August 2026
September 2026
Change
Automobiles
24.0%
23.4%
22.7%
−1.3%
Retailing
21.6%
21.6%
19.2%
−2.5%
Consumer Durables
8.6%
9.3%
9.3%
+0.7%
Diversified FMCG
7.8%
7.3%
7.4%
−0.4%
Healthcare Services
3.7%
5.0%
6.0%
+2.3%
Each sector's share of the fund at the end of each month. The five largest sectors of September 2026. Change: from July 2026 to September 2026, in % of the fund.
HDFC Consumption Fund Portfolio Holdings
As on 30-09-2026 · 50 holdings · from the fund house's monthly portfolio
Holdings
Sector
Weight%
Holdings trend
1M change
Eternal Limited
Retailing
9.56%
−13.6%
Mahindra & Mahindra Ltd.
Automobiles
8.26%
0.0%
Hindustan Unilever Ltd.
Diversified FMCG
7.39%
0.0%
Bharti Airtel Ltd.
Telecom - Services
5.21%
0.0%
Vishal Mega Mart Limited
Retailing
3.99%
0.0%
Godrej Consumer Products Ltd.
Personal Products
3.70%
0.0%
Bajaj Auto Limited
Automobiles
3.64%
0.0%
Maruti Suzuki India Limited
Automobiles
3.62%
0.0%
Titan Company Ltd.
Consumer Durables
3.22%
0.0%
TVS Motor Company Ltd.
Automobiles
3.10%
0.0%
Asian Paints Limited
Consumer Durables
3.05%
0.0%
Eicher Motors Ltd.
Automobiles
2.85%
0.0%
Chalet Hotels Ltd.
Leisure Services
2.66%
0.0%
United Spirits Limited
Beverages
2.65%
−18.7%
Britannia Industries Ltd.
Food Products
2.63%
0.0%
Varun Beverages Ltd
Beverages
2.06%
0.0%
Apollo Hospitals Enterprise Ltd.
Healthcare Services
2.05%
+84.6%
Trent Ltd.
Retailing
2.04%
−25.2%
Nestle India Ltd.
Food Products
1.78%
0.0%
Jupiter Life Line Hospitals Limited
Healthcare Services
1.70%
0.0%
JSW Dulux Limited
Consumer Durables
1.61%
0.0%
INFO EDGE (INDIA) LIMITED
Retailing
1.55%
0.0%
AUGMONT ENTERPRISES LIMITED
Non - Ferrous Metals
1.45%
0.0%
Dabur India Ltd.
Personal Products
1.39%
0.0%
InterGlobe Aviation Ltd.
Transport Services
1.39%
0.0%
Wakefit Innovations Limited
Consumer Durables
1.28%
0.0%
Rentomojo Limited
Commercial Services & Supplies
1.19%
New
Hyundai Motor India Limited
Automobiles
1.19%
0.0%
Max Healthcare Institute Limited
Healthcare Services
1.08%
0.0%
Adani Power (Mundra) Limited
Power
1.07%
0.0%
Tata Consumer Products Limited
Agricultural Food & Other Products
0.95%
0.0%
Vijaya Diagnostic Centre Limited
Healthcare Services
0.88%
0.0%
The Tata Power Company Ltd.
Power
0.85%
0.0%
Brainbees Solutions Limited (FirstCry)
Retailing
0.79%
0.0%
Sedemac Mechatronics Limited
Auto Components
0.75%
0.0%
Shoppers Stop Ltd.
Retailing
0.72%
0.0%
Devyani International Ltd
Leisure Services
0.65%
0.0%
Vedant Fashions Ltd
Retailing
0.56%
0.0%
Studds Accessories Limited
Auto Components
0.52%
0.0%
Colgate-Palmolive ( I ) Ltd.
Personal Products
0.52%
0.0%
Marico Ltd.
Agricultural Food & Other Products
0.51%
0.0%
SAPPHIRE FOODS INDIA LIMITED
Leisure Services
0.48%
0.0%
TENNECO CLEAN AIR INDIA LIMITED
Auto Components
0.43%
0.0%
SULA VINEYARDS LIMITED
Beverages
0.40%
0.0%
Dhoot Transmission Limited
Auto Components
0.36%
−50.0%
Emami Ltd.
Personal Products
0.34%
0.0%
Global Health Limited
Healthcare Services
0.27%
New
Laxmi Dental Limited
Healthcare Equipment & Supplies
0.22%
0.0%
METRO BRANDS LIMITED
Consumer Durables
0.09%
0.0%
Godavari Biorefineries Limited
Diversified FMCG
0.02%
−66.1%
HDFC Consumption Fund Stocks Bought and Sold
All changes are between August 2026 and September 2026
More
Stocks bought and sold in September 2026
Eternal Limited
↓Reduced
−13.6%
9.56%
United Spirits Limited
↓Reduced
−18.7%
2.65%
Trent Ltd.
↓Reduced
−25.2%
2.04%
Apollo Hospitals Enterprise Ltd.
↑Added
+84.6%
2.05%
Rentomojo Limited
↑New
New
1.19%
LENSKART SOLUTIONS LIMITED
↓Sold out
−100%
was 0.72%
Dhoot Transmission Limited
↓Reduced
−50.0%
0.36%
Global Health Limited
↑New
New
0.27%
Godavari Biorefineries Limited
↓Reduced
−66.1%
0.02%
No stocks in this group for September 2026.
A change is counted by the number of shares the fund holds, not by price. A stock can become a smaller part of the fund in a month when the fund bought more of it, if its price fell. Debt papers are left out.
Overlap: for each holding both funds own, the smaller of its two weights, added up. 40% means 40% of each fund's money sits in positions the other also holds. From each fund's latest monthly portfolio, matched by ISIN. Cash and hedged positions are left out. Funds that overlap under 10% are not listed. A high overlap does not make two funds the same: their costs, lock-in and category can differ.
HDFC Consumption Fund Overview
Fund facts from the scheme summary document, as on 16-10-2026
Expense ratio (Direct)
1.40%
Expense ratio (Regular)
2.42%
Category
Thematic
Risk
Very High
Benchmark
Nifty India Consumption TRI
Launch date
12-07-2023
Minimum investment
₹100
Minimum additional investment
₹100
AUM
₹954.07 Cr (30-09-2026)
Lock in
None
Scheme code (Direct)
151804
ISIN (Direct)
INF179KC1GO3
Scheme code (Regular)
151803
ISIN (Regular)
INF179KC1GR6
NAV history
From 12-07-2023, 3.3 years
Exit load
In respect of each purchase/switch-in of units, an Exit load of 1% is payable if units are redeemed /switched-out within 30 days from the date of allotment. No Exit Load is payable if units are redeemed / switched out after 30 days from the date of allotment.
Tax on HDFC Consumption Fund returns
HDFC Consumption Fund is taxed as an equity fund: 65% or more of it is in Indian stocks.
Units sold within 1 year: the gain is taxed at 20%.
Units held longer: gains above ₹1.25 lakh in a financial year, across all your equity funds and shares, are taxed at 12.5%.
IDCW (dividend) payouts are added to your income and taxed at your slab rate.
A stamp duty of 0.005% is deducted when you invest.
Rules in force from 23-07-2024 (Finance Act 2024). Tax depends on your own income; this is general information, not tax advice.
All plans and options
Plan
Option
NAV
As on
direct
Growth
₹13.472
30-10-2026
direct
IDCW
₹13.472
30-10-2026
regular
Growth
₹12.951
30-10-2026
regular
IDCW
₹12.951
30-10-2026
About HDFC Consumption Fund
HDFC Consumption Fund is a mutual fund from HDFC Mutual Fund. Its category is Thematic. It was launched on 12-07-2023. Its benchmark is Nifty India Consumption TRI. At the end of September 2026 it held 50 securities.
Fund Manager
Amit Sinha
Fund manager of HDFC Consumption Fund, since 12-07-2023
Gopal Agrawal
Fund manager of HDFC Consumption Fund, since 01-09-2026
Bhagyesh Kagalkar
Fund manager of HDFC Consumption Fund, since 26-08-2026
Frequently Asked Questions for HDFC Consumption Fund
What is the current NAV of HDFC Consumption Fund?
The Direct plan NAV is ₹13.472. The Regular plan NAV is ₹12.951, as on 30-10-2026.
What are the returns of HDFC Consumption Fund?
The Direct plan returned −11.03% in 1 year, +9.22% a year over 3 years. The Regular plan returned −12.03% in 1 year, +7.93% a year over 3 years. These figures are as on 30-10-2026.
What is the expense ratio of HDFC Consumption Fund?
The Direct plan charges 1.40% a year. The Regular plan charges 2.42% a year. This is the figure the fund house reported to AMFI, in force from 19-10-2026.
What is the AUM of HDFC Consumption Fund?
HDFC Consumption Fund managed ₹954.07 Cr on 30-09-2026, as its fund house reported in its monthly portfolio.
What are the top holdings of HDFC Consumption Fund?
At the end of September 2026 the largest holdings were ETERNAL (9.56%), M&M (8.26%), HINDUNILVR (7.39%), BHARTIARTL (5.21%), VMM (3.99%). The fund held 50 securities in all.
What did HDFC Consumption Fund buy and sell in September 2026?
It bought 2 new stocks: Rentomojo Limited, Global Health Limited. It sold out of 1: LENSKART SOLUTIONS LIMITED. It added shares in 1. It reduced 5.
How do I invest in HDFC Consumption Fund?
Through HDFC Mutual Fund's website or app, a mutual fund distributor, or an investment platform. Choose the Direct plan to pay no distributor commission, or the Regular plan to invest through a distributor. The first investment is at least ₹100. You can invest once or through a monthly SIP.
Sources: NAV and expense ratio from AMFI. Holdings from the fund house's monthly portfolio statement. Fund facts from its scheme summary document, as on 16-10-2026.
This page is information, not investment advice. Mutual fund investments are subject to market risks; read all scheme related documents carefully. Past returns do not promise future returns. Figures come from AMFI, NSE, BSE and each fund house's own documents.
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