{"id":230828,"date":"2026-09-04T10:47:25","date_gmt":"2026-09-04T05:17:25","guid":{"rendered":"https:\/\/univest.in\/blogs-2\/hdfc-dynamic-term-fund-direct-growth-review-2026\/"},"modified":"2026-09-04T10:47:25","modified_gmt":"2026-09-04T05:17:25","slug":"hdfc-dynamic-term-fund-direct-growth-review-2026","status":"publish","type":"post","link":"https:\/\/univest.in\/blogs-2\/hdfc-dynamic-term-fund-direct-growth-review-2026\/","title":{"rendered":"HDFC Dynamic Term Fund Direct Growth Review 2026: NAV, Returns, Portfolio &#038; Should You Invest?"},"content":{"rendered":"<p><a href=\"https:\/\/univest.in\/mutual-funds\/hdfc-dynamic-term-fund-g-direct-plan\">HDFC Dynamic Term Fund Direct Growth Plan<\/a> closed at \u20b9103.6146 as of 03 Sep 2026, with scheme AUM of \u20b9494 Cr. Its 1-year, 3-year and 5-year returns are 5.77%, 6.86% and 5.91% respectively, and the fund sits in the Medium Risk bucket.<\/p>\n<p>Our view is that this is a steady but not stand-out debt option: the return profile has held up reasonably well over 3 years and 5 years, while the 1-year number has stayed modest. The portfolio is led by sovereign paper and other high-grade debt, which supports stability, but the benchmark comparison suggests it has not consistently outpaced the market backdrop.<\/p>\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_65 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title \" >Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/univest.in\/blogs-2\/hdfc-dynamic-term-fund-direct-growth-review-2026\/#Quick_facts\" title=\"Quick facts\">Quick facts<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/univest.in\/blogs-2\/hdfc-dynamic-term-fund-direct-growth-review-2026\/#Performance\" title=\"Performance\">Performance<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/univest.in\/blogs-2\/hdfc-dynamic-term-fund-direct-growth-review-2026\/#Should_you_BUY_or_HOLD_HDFC_Dynamic_Term\" title=\"Should you BUY or HOLD HDFC Dynamic Term?\">Should you BUY or HOLD HDFC Dynamic Term?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/univest.in\/blogs-2\/hdfc-dynamic-term-fund-direct-growth-review-2026\/#Peer_comparison\" title=\"Peer comparison\">Peer comparison<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/univest.in\/blogs-2\/hdfc-dynamic-term-fund-direct-growth-review-2026\/#Portfolio_where_your_money_goes\" title=\"Portfolio: where your money goes\">Portfolio: where your money goes<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/univest.in\/blogs-2\/hdfc-dynamic-term-fund-direct-growth-review-2026\/#Who_should_invest\" title=\"Who should invest\">Who should invest<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/univest.in\/blogs-2\/hdfc-dynamic-term-fund-direct-growth-review-2026\/#Tax_and_exit_load\" title=\"Tax and exit load\">Tax and exit load<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/univest.in\/blogs-2\/hdfc-dynamic-term-fund-direct-growth-review-2026\/#Frequently_asked_questions\" title=\"Frequently asked questions\">Frequently asked questions<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/univest.in\/blogs-2\/hdfc-dynamic-term-fund-direct-growth-review-2026\/#What_is_the_current_NAV_of_HDFC_Dynamic_Term_Fund_Direct_Growth_Plan\" title=\"What is the current NAV of HDFC Dynamic Term Fund Direct Growth Plan?\">What is the current NAV of HDFC Dynamic Term Fund Direct Growth Plan?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/univest.in\/blogs-2\/hdfc-dynamic-term-fund-direct-growth-review-2026\/#What_are_the_funds_1-year_3-year_and_5-year_returns\" title=\"What are the fund\u2019s 1-year, 3-year and 5-year returns?\">What are the fund\u2019s 1-year, 3-year and 5-year returns?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/univest.in\/blogs-2\/hdfc-dynamic-term-fund-direct-growth-review-2026\/#How_has_the_fund_done_versus_its_benchmark\" title=\"How has the fund done versus its benchmark?\">How has the fund done versus its benchmark?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/univest.in\/blogs-2\/hdfc-dynamic-term-fund-direct-growth-review-2026\/#How_does_it_compare_with_peer_funds_on_available_return_data\" title=\"How does it compare with peer funds on available return data?\">How does it compare with peer funds on available return data?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/univest.in\/blogs-2\/hdfc-dynamic-term-fund-direct-growth-review-2026\/#What_is_the_minimum_SIP_amount\" title=\"What is the minimum SIP amount?\">What is the minimum SIP amount?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-14\" href=\"https:\/\/univest.in\/blogs-2\/hdfc-dynamic-term-fund-direct-growth-review-2026\/#Who_manages_the_fund_and_what_is_the_exit_load\" title=\"Who manages the fund and what is the exit load?\">Who manages the fund and what is the exit load?<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-15\" href=\"https:\/\/univest.in\/blogs-2\/hdfc-dynamic-term-fund-direct-growth-review-2026\/#Bottom_line\" title=\"Bottom line\">Bottom line<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-16\" href=\"https:\/\/univest.in\/blogs-2\/hdfc-dynamic-term-fund-direct-growth-review-2026\/#Explore_mutual_funds_with_Univest\" title=\"Explore mutual funds with Univest\">Explore mutual funds with Univest<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-17\" href=\"https:\/\/univest.in\/blogs-2\/hdfc-dynamic-term-fund-direct-growth-review-2026\/#RIA_disclosure\" title=\"RIA disclosure\">RIA disclosure<\/a><\/li><\/ul><\/nav><\/div>\n<h2 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"Quick_facts\"><\/span>Quick facts<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<table>\n<thead>\n<tr>\n<th>Particular<\/th>\n<th>Details<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>NAV<\/td>\n<td>\u20b9103.6146 as of 03 Sep 2026<\/td>\n<\/tr>\n<tr>\n<td>AUM<\/td>\n<td>\u20b9494 Cr<\/td>\n<\/tr>\n<tr>\n<td>Expense Ratio<\/td>\n<td>0.75%<\/td>\n<\/tr>\n<tr>\n<td>Launch Date<\/td>\n<td>01 Jan 2013<\/td>\n<\/tr>\n<tr>\n<td>Min SIP<\/td>\n<td>\u20b9100<\/td>\n<\/tr>\n<tr>\n<td>Risk Category<\/td>\n<td>Medium Risk<\/td>\n<\/tr>\n<tr>\n<td>Benchmark<\/td>\n<td>Nifty 50<\/td>\n<\/tr>\n<tr>\n<td>Fund Category<\/td>\n<td>Debt<\/td>\n<\/tr>\n<tr>\n<td>Exit Load<\/td>\n<td>No exit load<\/td>\n<\/tr>\n<tr>\n<td>Fund Managers<\/td>\n<td>Anil Bamboli<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>The fund is managed by Anil Bamboli.<\/p>\n<p class=\"mf-source-date\"><small>Source data date: as of 03 Sep 2026<\/small><\/p>\n<h2 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"Performance\"><\/span>Performance<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<table>\n<thead>\n<tr>\n<th>Period<\/th>\n<th>Fund return<\/th>\n<th>Benchmark return<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>1M<\/td>\n<td>0.03%<\/td>\n<td>-3.01%<\/td>\n<\/tr>\n<tr>\n<td>3M<\/td>\n<td>2.87%<\/td>\n<td>1.95%<\/td>\n<\/tr>\n<tr>\n<td>1Y<\/td>\n<td>5.77%<\/td>\n<td>-4.4%<\/td>\n<\/tr>\n<tr>\n<td>3Y<\/td>\n<td>6.86%<\/td>\n<td>5.74%<\/td>\n<\/tr>\n<tr>\n<td>5Y<\/td>\n<td>5.91%<\/td>\n<td>6.27%<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>The recent picture is mixed, but not weak. Over 1 month, the fund was nearly flat while the benchmark was negative, which shows relative resilience in a softer stretch for the market measure used here. Over 3 months, the fund\u2019s 2.87% return was above the benchmark\u2019s 1.95%, so the shorter recovery phase has been better for the fund.<\/p>\n<p>At 1 year, the fund has stayed positive at 5.77% while the benchmark has shown a negative return of -4.4%. That gap points to a meaningfully steadier outcome over the last year than the benchmark delivered. Still, when we extend the lens to 3 years and 5 years, the fund\u2019s 6.86% and 5.91% returns are only slightly ahead on 3 years and a little behind on 5 years.<\/p>\n<p>That split matters. The pattern suggests a fund that has protected and compounded in a measured way rather than one that has delivered an aggressive upswing. The time-series pattern also points to periods of modest drawdown and recovery rather than a smooth climb, which is typical of an income-oriented debt strategy that aims for balance more than speed.<\/p>\n<p>Against the benchmark, the fund looks stronger in the recent 1-year window and somewhat better over 3 months, but the 5-year comparison is less favourable. Our view is that the fund has done a decent job of keeping pace over medium horizons, yet the latest long-run number does not show clear outperformance versus the benchmark.<\/p>\n<p class=\"mf-source-date\"><small>Source data date: as of 03 Sep 2026<\/small><\/p>\n<section class=\"univest-mf-premium-cta\" style=\"margin:28px 0;padding:24px;border-radius:10px;border:1px solid #d8e3f0;background:#f7faff\">\n<h2 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"Should_you_BUY_or_HOLD_HDFC_Dynamic_Term\"><\/span>Should you BUY or HOLD HDFC Dynamic Term?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>A fund&#8217;s past returns alone don&#8217;t tell you whether you should buy it today or continue holding it.<\/p>\n<p>The right decision depends on factors such as your current allocation, purchase price, risk profile, investment horizon and the role this fund plays in your overall portfolio.<\/p>\n<p><strong>Already holding HDFC Dynamic Term? Thinking of investing now?<\/strong><\/p>\n<p><a href=\"https:\/\/univest.in\/mutual-funds\" style=\"font-weight:700;text-decoration:none\">Get your portfolio analysed for FREE by SEBI-registered Investment Adviser (RIA) through Univest MF Premium<\/a><\/p>\n<\/section>\n<h2 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"Peer_comparison\"><\/span>Peer comparison<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<table>\n<thead>\n<tr>\n<th>Fund<\/th>\n<th>1Y return<\/th>\n<th>3Y return<\/th>\n<th>5Y return<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td><a href=\"https:\/\/univest.in\/mutual-funds\/hdfc-dynamic-term-fund-g-direct-plan\">HDFC Dynamic Term Fund Direct Growth Plan<\/a><\/td>\n<td>5.77%<\/td>\n<td>6.86%<\/td>\n<td>5.91%<\/td>\n<\/tr>\n<tr>\n<td><a href=\"https:\/\/univest.in\/mutual-funds\/bandhan-dynamic-term-fund-g-direct-plan\">Bandhan Dynamic Term Fund Direct Growth Plan<\/a><\/td>\n<td>8.1%<\/td>\n<td>7.62%<\/td>\n<td>6.13%<\/td>\n<\/tr>\n<tr>\n<td><a href=\"https:\/\/univest.in\/mutual-funds\/kotak-dynamic-term-fund-g-direct-plan\">Kotak Dynamic Term Fund Direct Growth Plan<\/a><\/td>\n<td>7.39%<\/td>\n<td>7.85%<\/td>\n<td>6.65%<\/td>\n<\/tr>\n<tr>\n<td><a href=\"https:\/\/univest.in\/mutual-funds\/axis-dynamic-term-fund-g-direct-plan\">Axis Dynamic Term Fund Direct Growth Plan<\/a><\/td>\n<td>7.01%<\/td>\n<td>7.52%<\/td>\n<td>6.31%<\/td>\n<\/tr>\n<tr>\n<td><a href=\"https:\/\/univest.in\/mutual-funds\/360-one-dynamic-term-fund-g-direct-plan\">360 ONE Dynamic Term Fund Direct Growth Plan<\/a><\/td>\n<td>6.79%<\/td>\n<td>8.16%<\/td>\n<td>6.9%<\/td>\n<\/tr>\n<tr>\n<td><a href=\"https:\/\/univest.in\/mutual-funds\/aditya-birla-sl-dynamic-term-fund-g-direct-plan\">Aditya Birla SL Dynamic Term Fund Direct Growth Plan<\/a><\/td>\n<td>6.31%<\/td>\n<td>7.72%<\/td>\n<td>7.28%<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>This assessment is prepared by Uniapps Investment Adviser Pvt. Ltd. under SEBI Registered Investment Adviser registration INA000017639.<\/p>\n<p>On the latest 1-year reading, the fund trails every peer listed here, though the gap is not extreme versus the lower end of the group. The 3-year result is closer to the middle of the pack and does better than some peers, which suggests the recent year has been less supportive than the medium-term backdrop.<\/p>\n<p>The 5-year comparison is also balanced rather than dominant. The fund is below several peers on that horizon, but it remains in the same broad band of outcomes, which means the short-term comparison and the longer-term comparison tell somewhat different stories.<\/p>\n<p class=\"mf-source-date\"><small>Source data date: as of 03 Sep 2026<\/small><\/p>\n<div class=\"univest-peer-login-cta\" style=\"margin:20px 0;padding:16px 18px;border:1px solid #d8e3f0;border-radius:8px;background:#f7faff\">\n<p style=\"margin:0\"><strong>Want to know more?<\/strong> <a href=\"https:\/\/univest.in\/user\/log-in\" style=\"font-weight:700;text-decoration:none\">Log in to Univest<\/a> for more mutual fund insights.<\/p>\n<\/div>\n<h2 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"Portfolio_where_your_money_goes\"><\/span>Portfolio: where your money goes<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<table>\n<thead>\n<tr>\n<th>Holding<\/th>\n<th>Sector<\/th>\n<th>Weight<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>7.34% GOI Mat 220464<\/td>\n<td>Government Securities<\/td>\n<td>14.41%<\/td>\n<\/tr>\n<tr>\n<td>7.25% GOI Mat 120663<\/td>\n<td>Government Securities<\/td>\n<td>10.58%<\/td>\n<\/tr>\n<tr>\n<td>7.3% GOI Mat 190653<\/td>\n<td>Government Securities<\/td>\n<td>8.81%<\/td>\n<\/tr>\n<tr>\n<td>Net Current Assets<\/td>\n<td>Cash &#038; Cash Equivalents and Net Assets<\/td>\n<td>5.43%<\/td>\n<\/tr>\n<tr>\n<td>8.8% REC Limited.^<\/td>\n<td>Corporate Debt<\/td>\n<td>5.2%<\/td>\n<\/tr>\n<tr>\n<td>7.44% National Bank for Agri &#038; Rural Dev.<\/td>\n<td>Corporate Debt<\/td>\n<td>5.04%<\/td>\n<\/tr>\n<tr>\n<td>6.74% Small Industries Development Bank^<\/td>\n<td>Corporate Debt<\/td>\n<td>4.95%<\/td>\n<\/tr>\n<tr>\n<td>6.9% GOI Mat 150465<\/td>\n<td>Government Securities<\/td>\n<td>4.59%<\/td>\n<\/tr>\n<tr>\n<td>Indus Infra Trust<\/td>\n<td>Finance<\/td>\n<td>4.4%<\/td>\n<\/tr>\n<tr>\n<td>7.27% Gujarat SDL Isd 171225 Mat 171234^<\/td>\n<td>Government Securities<\/td>\n<td>3.99%<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>The top 10 holdings account for approximately 67.4% of the portfolio.<\/p>\n<p>To see all holdings, visit the <a href=\"https:\/\/univest.in\/mutual-funds\/hdfc-dynamic-term-fund-g-direct-plan\">HDFC Dynamic Term Fund Direct Growth Plan<\/a> page<\/p>\n<p>The largest position is 14.41%, so one sovereign paper issue has a clear role in the portfolio\u2019s outcome. After that, weights step down fairly quickly into the 10% to 8% range, then continue into mid-single digits, which indicates that influence is not carried by just one bond alone.<\/p>\n<p>Even so, the top 10 holdings together make up 67.4% of the portfolio, so the disclosed book is still meaningfully concentrated in a limited set of securities. With 34 holdings in total, the longer tail may help diversify the rest of the book, but the visible positions suggest that a handful of sovereign and high-grade debt names are likely to have greater influence on returns.<\/p>\n<p>This mix may suit investors who want debt exposure with a clear bias toward high-quality instruments rather than a very broad, highly fragmented book. The weight pattern could also help keep behaviour more predictable than a concentrated credit-heavy strategy, although the larger positions still matter a lot.<\/p>\n<p class=\"mf-source-date\"><small>Source data date: as of 03 Sep 2026<\/small><\/p>\n<h2 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"Who_should_invest\"><\/span>Who should invest<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>This fund may suit investors with medium risk tolerance who are comfortable with debt-oriented returns that can move around, but not dramatically. The 1-year result is steady, the 3-year outcome is respectable, and the 5-year figure is more muted, so the best fit is likely someone who values stability and measured compounding over strong upside.<\/p>\n<p>The benchmark comparison and peer table show that the fund has been competitive in some shorter windows, but not consistently ahead over longer periods. That makes it more appropriate for an investor with a medium to long horizon who can accept that returns may be ordinary in some stretches while the portfolio remains anchored in government securities and other high-grade debt.<\/p>\n<h2 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"Tax_and_exit_load\"><\/span>Tax and exit load<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<table>\n<thead>\n<tr>\n<th>Holding period<\/th>\n<th>Tax rate<\/th>\n<th>Description<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>Units held less than 1 year<\/td>\n<td>20%<\/td>\n<td>Short-term capital gains tax<\/td>\n<\/tr>\n<tr>\n<td>Units held more than 1 year<\/td>\n<td>12.5%<\/td>\n<td>Long-term capital gains tax<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p><strong>Exit load:<\/strong> No exit load<\/p>\n<p class=\"mf-source-date\"><small>Source data date: as of 03 Sep 2026<\/small><\/p>\n<h2 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"Frequently_asked_questions\"><\/span>Frequently asked questions<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<h3 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"What_is_the_current_NAV_of_HDFC_Dynamic_Term_Fund_Direct_Growth_Plan\"><\/span>What is the current NAV of HDFC Dynamic Term Fund Direct Growth Plan?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>The current NAV is \u20b9103.6146 as of 03 Sep 2026.<\/p>\n<h3 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"What_are_the_funds_1-year_3-year_and_5-year_returns\"><\/span>What are the fund\u2019s 1-year, 3-year and 5-year returns?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>The fund\u2019s 1-year return is 5.77%, the 3-year return is 6.86%, and the 5-year return is 5.91%.<\/p>\n<h3 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"How_has_the_fund_done_versus_its_benchmark\"><\/span>How has the fund done versus its benchmark?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>It has outpaced the benchmark over 1 year and 3 months, and it is slightly ahead over 3 years. Over 5 years, it is a little behind the benchmark.<\/p>\n<h3 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"How_does_it_compare_with_peer_funds_on_available_return_data\"><\/span>How does it compare with peer funds on available return data?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Its 1-year return is below the listed peers, while the 3-year and 5-year numbers sit in a more middle-of-the-group band. The short-term and longer-term comparisons do not tell the same story.<\/p>\n<h3 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"What_is_the_minimum_SIP_amount\"><\/span>What is the minimum SIP amount?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>The minimum SIP amount is \u20b9100.<\/p>\n<h3 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"Who_manages_the_fund_and_what_is_the_exit_load\"><\/span>Who manages the fund and what is the exit load?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>The fund is managed by Anil Bamboli. There is no exit load.<\/p>\n<h2 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"Bottom_line\"><\/span>Bottom line<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>HDFC Dynamic Term Fund Direct Growth Plan has delivered a steadier recent profile than its benchmark, especially over 1 year, but its longer-term numbers are less decisive. Against peers, the short-term result is softer, while the 3-year and 5-year comparisons are more balanced. The medium-risk profile and the heavy tilt toward government securities and other high-quality debt make it a measured debt allocation rather than a return-chasing one. It may fit investors seeking stability, moderate compounding and a cleaner credit profile.<\/p>\n<p class=\"univest-posted-at\" style=\"font-size:14px;color:#666;margin:20px 0 8px\">Published on 4 September 2026 at 10:45 AM IST<\/p>\n<section class=\"univest-login-cta\" style=\"margin:28px 0;padding:24px;border-radius:10px;background:#eef5ff;border:1px solid #cddff7;text-align:center\">\n<h2 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"Explore_mutual_funds_with_Univest\"><\/span>Explore mutual funds with Univest<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Review mutual fund data, compare performance and explore fund insights on Univest.<\/p>\n<p><a href=\"https:\/\/univest.in\/user\/log-in\" style=\"display:inline-block;padding:11px 20px;border-radius:6px;background:#1f4e79;color:#fff !important;text-decoration:none;font-weight:700\">Explore Univest<\/a><\/p>\n<\/section>\n<section class=\"univest-disclaimer\">\n<h2 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"RIA_disclosure\"><\/span>RIA disclosure<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Mutual fund investments are subject to market risks. Read all scheme-related documents carefully before investing. This review is prepared by Uniapps Investment Adviser Pvt. Ltd. (earlier known as Uniapps Global Research Pvt. Ltd.) under SEBI Registered Investment Adviser registration INA000017639 for general informational purposes and is not personalized investment advice.<\/p>\n<\/section>\n<p><script type=\"application\/ld+json\">{\"@context\":\"https:\/\/schema.org\",\"@type\":\"InvestmentFund\",\"name\":\"HDFC Dynamic Term Fund Direct Growth Plan\",\"identifier\":\"hdfc-dynamic-term-fund-g-direct-plan\",\"category\":\"Debt\",\"dateCreated\":\"01 Jan 2013\",\"isAccessibleForFree\":true,\"additionalProperty\":[{\"@type\":\"PropertyValue\",\"name\":\"NAV\",\"value\":103.6146,\"valueReference\":\"as of 03 Sep 2026\"},{\"@type\":\"PropertyValue\",\"name\":\"AUM\",\"value\":\"494 Cr\"},{\"@type\":\"PropertyValue\",\"name\":\"Expense Ratio\",\"value\":\"0.75\"},{\"@type\":\"PropertyValue\",\"name\":\"Benchmark\",\"value\":\"Nifty 50\"},{\"@type\":\"PropertyValue\",\"name\":\"1Y Return\",\"value\":5.77},{\"@type\":\"PropertyValue\",\"name\":\"3Y Return\",\"value\":6.86},{\"@type\":\"PropertyValue\",\"name\":\"5Y Return\",\"value\":5.91},{\"@type\":\"PropertyValue\",\"name\":\"Fund Managers\",\"value\":\"Anil Bamboli\"}]}<\/script><script type=\"application\/ld+json\">{\"@context\":\"https:\/\/schema.org\",\"@type\":\"FAQPage\",\"mainEntity\":[{\"@type\":\"Question\",\"name\":\"What is the current NAV of HDFC Dynamic Term Fund Direct Growth Plan?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"The current NAV is \u20b9103.6146 as of 03 Sep 2026.\"}},{\"@type\":\"Question\",\"name\":\"What are the fund\u2019s 1-year, 3-year and 5-year returns?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"The fund\u2019s 1-year return is 5.77%, the 3-year return is 6.86%, and the 5-year return is 5.91%.\"}},{\"@type\":\"Question\",\"name\":\"How has the fund done versus its benchmark?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"It has outpaced the benchmark over 1 year and 3 months, and it is slightly ahead over 3 years. Over 5 years, it is a little behind the benchmark.\"}},{\"@type\":\"Question\",\"name\":\"How does it compare with peer funds on available return data?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Its 1-year return is below the listed peers, while the 3-year and 5-year numbers sit in a more middle-of-the-group band. The short-term and longer-term comparisons do not tell the same story.\"}},{\"@type\":\"Question\",\"name\":\"What is the minimum SIP amount?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"The minimum SIP amount is \u20b9100.\"}},{\"@type\":\"Question\",\"name\":\"Who manages the fund and what is the exit load?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"The fund is managed by Anil Bamboli. There is no exit load.\"}}]}<\/script><script type=\"application\/ld+json\">{\"@context\":\"https:\/\/schema.org\",\"@type\":\"Person\",\"name\":\"{{ANALYST_NAME}}\",\"affiliation\":{\"@type\":\"Organization\",\"name\":\"Uniapps Investment Adviser Pvt. Ltd.\"},\"description\":\"Uniapps Investment Adviser Pvt. Ltd. \u2014 SEBI Registered Investment Adviser INA000017639\"}<\/script><\/p>\n","protected":false},"excerpt":{"rendered":"<p>HDFC Dynamic Term Fund Direct Growth Plan closed at \u20b9103.6146 as of 03 Sep 2026, with AUM of \u20b9494 Cr. Its 1-year, 3-year and 5-year returns are 5.77%, 6.86% and 5.91%.<\/p>\n","protected":false},"author":29,"featured_media":230827,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[3841],"tags":[],"class_list":["post-230828","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-mutual-funds"],"metadata":{"rank_math_internal_links_processed":["1"],"_thumbnail_id":["230827"],"rank_math_title":["HDFC Dynamic Term Fund NAV, Returns Review 2026"],"rank_math_description":["HDFC Dynamic Term Fund Direct Growth Plan NAV \u20b9103.6146 as of 03 Sep 2026; 1Y return 5.77%, 3Y 6.86%, 5Y 5.91%."],"rank_math_focus_keyword":["HDFC Dynamic Term Fund Direct Growth Plan review"],"rank_math_robots":["a:2:{i:0;s:7:\"noindex\";i:1;s:8:\"nofollow\";}"]},"jetpack_sharing_enabled":true,"jetpack_featured_media_url":"https:\/\/univest.in\/blogs-2\/wp-content\/uploads\/2026\/09\/HDFC_Dynamic_Term_Fund_Direct_Growth_Review_2026_NAV_Returns_Portfolio_Should_You_Invest_neutral.png","_links":{"self":[{"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/posts\/230828","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/users\/29"}],"replies":[{"embeddable":true,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/comments?post=230828"}],"version-history":[{"count":0,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/posts\/230828\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/media\/230827"}],"wp:attachment":[{"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/media?parent=230828"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/categories?post=230828"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/tags?post=230828"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}