HDFC Capital Builder Value Fund turned Rs 1,000 SIP into nearly Rs 1 crore in 31 years

HDFC Capital Builder Value Fund, a value-oriented fund, has turned Rs 1,000 monthly SIP into Rs 99.56 lakh in the last 31 years with an XIRR of 17%. It is an open-ended equity scheme following a value investment strategy.

If an investor invested Rs 1,000 via monthly SIP five years ago, the value would have been Rs 96,725 now with an XIRR of 19.50%. The value of the same monthly SIP started three years ago would have been Rs 45,862 with an XIRR of 16.86%

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HDFC Capital Builder Value Fund has offered 14.45% CAGR since its inception. In the last 10 years, the scheme delivered 12.37% CAGR. In the last five and three years, the scheme offered 18.28% and 14.91% CAGR, respectively.

A lump sum investment of Rs 1 lakh in the fund made at the time of inception would have been Rs 66.16 lakh with a CAGR of 14.45%. In the last five years, the value of the same lump sum investment would have been Rs 2.33 lakh with a CAGR of 18.45%.

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As of January 31, 2025, the value fund had 81 stocks in its portfolio and had an AUM of Rs 6,950 crore. Launched on February 1, 1994, the scheme is benchmarked against Nifty 500 - TRI and is managed by Anand Laddha and Dhruv Muchhal.

The minimum application amount is Rs 100 and any amount thereafter. The investment objective of the scheme is to achieve capital appreciation/income in the long term by primarily investing in undervalued stocks.

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The scheme will endeavour to maintain a minimum of 60% of the equity portfolio in stocks where the trailing Price /Earnings ratio is lower than the corresponding median of the current stocks in the benchmark index (NSE500 Index) and/or the trailing Price / Book ratio is lower than the corresponding median of the current stocks in the benchmark index (NSE500 Index) and/or trailing price/ earnings ratio is below their 5-year historical averages and/or trailing price/book ratio is below their own 5 year historical averages.

The maximum total expense ratio (TER) permissible under Regulation 52 (6) (c) is up to 2.25%.