HDFC Housing Opportunities Fund
Sectoral and Thematic fund from HDFC Mutual Fund. Direct and regular Growth plans: returns over 1, 3 and 5 years, against the Nifty 50, its rank among sectoral and thematic funds and what a ₹10,000 SIP became.
As of 30 Sep 2026, HDFC Housing Opportunities Fund (direct plan, Growth) has returned 10.6% a year over 5 years, 8.4% over 3 years. That ranks 67 of 99 sectoral and thematic funds over 5 years. A ₹10,000 monthly SIP for 5 years (₹6,00,000) was worth ₹7,39,367, an XIRR of 8.3%. Expense ratio: 1.40% a year for the direct plan and 2.25% for the regular plan. Latest NAV ₹21.89 (29 Oct 2026).
HDFC Housing Opportunities Fund returns
| Plan | 1 year | 3 years | 5 years | 10 years | Beat the Nifty 50 (rolling 3y) |
|---|---|---|---|---|---|
| Direct | -6.2% | 8.4% | 10.6% | — | 45 of 71 |
| Regular | -7.1% | 7.3% | 9.5% | — | 43 of 71 |
To 30 Sep 2026. The rolling column counts every 3-year stretch in the stored history and how many of them the fund beat the Nifty 50 in. Returns are yearly (CAGR) from AMFI month-end NAVs of the Growth option. An index's return is measured through a low-cost index fund's direct plan, so it is a little below the index itself. Past returns do not tell you what a fund will do next, and this is not a recommendation to buy or sell any fund.
Against the index
| Period | Fund | Nifty 50 |
|---|---|---|
| 1 year | -6.2% | -7.3% |
| 3 years | 8.4% | 5.8% |
| 5 years | 10.6% | 6.1% |
Sector and theme funds have no fair broad index, so they are shown against the Nifty 50 only.
Calendar-year returns
| Year | Direct | Regular |
|---|---|---|
| 2025 | 0.9% | -0.1% |
| 2024 | 15.2% | 14.0% |
| 2023 | 40.6% | 39.2% |
| 2022 | 14.3% | 13.1% |
| 2021 | 31.2% | 30.0% |
| 2020 | 3.5% | 3.0% |
| 2019 | 3.0% | 2.1% |
| 2018 | -8.7% | -10.4% |
What a ₹10,000 SIP in HDFC Housing Opportunities Fund became
| Plan | SIP for | Invested | Value at 30 Sep 2026 | XIRR |
|---|---|---|---|---|
| Direct | 3 years | ₹3,60,000 | ₹3,51,703 | -1.5% |
| Direct | 5 years | ₹6,00,000 | ₹7,39,367 | 8.3% |
| Regular | 3 years | ₹3,60,000 | ₹3,46,435 | -2.5% |
| Regular | 5 years | ₹6,00,000 | ₹7,18,971 | 7.2% |
A ₹10,000 SIP at each month-end NAV, valued at the latest month-end. Try your own amount and dates with the SIP calculator.
Expense ratio
1.40% a year for the direct plan and 2.25% for the regular plan, as disclosed for 30 Sep 2026 (AMFI's TER disclosure). It is taken out of the fund every day, so the returns above are already after it. On ₹10 lakh growing at 12% a year for 10 years, a 2.25% expense ratio instead of 1.40% costs ₹2,03,350. Try your own numbers with the expense ratio calculator.
Direct vs regular plan
The regular plan returned 1.09 points a year less than the direct plan over 5 years: on ₹10 lakh invested 5 years ago, that is ₹79,618 less today. The difference is the distributor's commission and the higher expense ratio. See it for your amount with the direct vs regular calculator.
Where it ranks among sectoral and thematic funds
| Rank | Fund | 5-year return (direct) |
|---|---|---|
| 1 | SBI PSU Fund | 21.8% |
| 2 | LIC MF Infrastructure Fund | 21.7% |
| 3 | Aditya Birla Sun Life PSU Equity Fund | 21.4% |
| 4 | Bank Of India Manufacturing & Infrastructure Fund | 20.9% |
| 5 | DSP India T.I.G.E.R. Fund | 20.6% |
| 67 | HDFC Housing Opportunities Fund | 10.6% |
Ranked by 5-year return among the 99 sectoral and thematic funds with that much history. All sectoral and thematic funds.
Key takeaways
Frequently asked questions
What is the NAV of HDFC Housing Opportunities Fund?
₹21.89 for the direct plan (Growth) on 29 Oct 2026, from AMFI.
What are HDFC Housing Opportunities Fund's 5-year returns?
10.6% a year (direct plan, to 30 Sep 2026).
What is the expense ratio of HDFC Housing Opportunities Fund?
1.40% a year for the direct plan and 2.25% for the regular plan (AMFI disclosure for 30 Sep 2026).
What did a SIP in HDFC Housing Opportunities Fund return?
₹10,000 a month for 5 years became ₹7,39,367, an XIRR of 8.3%.