{"id":245007,"date":"2026-09-11T18:16:01","date_gmt":"2026-09-11T12:46:01","guid":{"rendered":"https:\/\/univest.in\/blogs-2\/hdfc-children-s-fund-lock-in-direct-review-2026\/"},"modified":"2026-09-11T18:16:01","modified_gmt":"2026-09-11T12:46:01","slug":"hdfc-children-s-fund-lock-in-direct-review-2026","status":"publish","type":"post","link":"https:\/\/univest.in\/blogs-2\/hdfc-children-s-fund-lock-in-direct-review-2026\/","title":{"rendered":"HDFC Children&#8217;s Fund(Lock in)-Direct Review 2026: NAV, Returns, Portfolio &#038; Should You Invest?"},"content":{"rendered":"<p><a href=\"https:\/\/univest.in\/mutual-funds\/hdfc-children-s-fund-lock-in-direct-plan\">HDFC Children&#8217;s Fund(Lock in)-Direct Plan<\/a> has a NAV of \u20b9322.886 as of 10 Sep 2026 and an AUM of \u20b910,657 Cr. Its 1-year, 3-year and 5-year returns are -0.43%, 8.4% and 10.4%, and the scheme sits in the High Risk category.<\/p>\n<p>Our view is that this fund suits investors who can stay patient through shorter periods of weakness and who want a solution-oriented equity allocation with meaningful exposure to large financials and select cyclical names. The 5-year lock-in makes the holding period especially important.<\/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-children-s-fund-lock-in-direct-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-children-s-fund-lock-in-direct-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-children-s-fund-lock-in-direct-review-2026\/#Should_you_BUY_or_HOLD_HDFC_Childrens_FundLock_in-Direct_Plan\" title=\"Should you BUY or HOLD HDFC Children&#8217;s Fund(Lock in)-Direct Plan?\">Should you BUY or HOLD HDFC Children&#8217;s Fund(Lock in)-Direct Plan?<\/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-children-s-fund-lock-in-direct-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-children-s-fund-lock-in-direct-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-children-s-fund-lock-in-direct-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-children-s-fund-lock-in-direct-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-children-s-fund-lock-in-direct-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-children-s-fund-lock-in-direct-review-2026\/#What_is_the_current_NAV_of_HDFC_Childrens_FundLock_in-Direct_Plan\" title=\"What is the current NAV of HDFC Children&#8217;s Fund(Lock in)-Direct Plan?\">What is the current NAV of HDFC Children&#8217;s Fund(Lock in)-Direct 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-children-s-fund-lock-in-direct-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-children-s-fund-lock-in-direct-review-2026\/#How_does_the_fund_compare_with_the_benchmark\" title=\"How does the fund compare with the benchmark?\">How does the fund compare with the 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-children-s-fund-lock-in-direct-review-2026\/#How_does_it_compare_with_the_peer_funds_listed_here\" title=\"How does it compare with the peer funds listed here?\">How does it compare with the peer funds listed here?<\/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-children-s-fund-lock-in-direct-review-2026\/#What_is_the_funds_risk_profile_and_lock-in\" title=\"What is the fund\u2019s risk profile and lock-in?\">What is the fund\u2019s risk profile and lock-in?<\/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-children-s-fund-lock-in-direct-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-children-s-fund-lock-in-direct-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-children-s-fund-lock-in-direct-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-children-s-fund-lock-in-direct-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>\u20b9322.886 as of 10 Sep 2026<\/td>\n<\/tr>\n<tr>\n<td>AUM<\/td>\n<td>\u20b910,657 Cr<\/td>\n<\/tr>\n<tr>\n<td>Expense Ratio<\/td>\n<td>0.9%<\/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>High 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>Solution Oriented<\/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>Chirag Setalvad, Anil Bamboli<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>The fund is managed by Chirag Setalvad and Anil Bamboli.<\/p>\n<p class=\"mf-source-date\"><small>Source data date: as of 10 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>-1.75%<\/td>\n<td>-4.06%<\/td>\n<\/tr>\n<tr>\n<td>3M<\/td>\n<td>3.79%<\/td>\n<td>1.37%<\/td>\n<\/tr>\n<tr>\n<td>1Y<\/td>\n<td>-0.43%<\/td>\n<td>-7.31%<\/td>\n<\/tr>\n<tr>\n<td>3Y<\/td>\n<td>8.4%<\/td>\n<td>6.07%<\/td>\n<\/tr>\n<tr>\n<td>5Y<\/td>\n<td>10.4%<\/td>\n<td>5.91%<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>The recent pattern has been mixed, but the fund has generally held up better than the benchmark in weaker stretches. The 1-month and 1-year numbers are negative, yet both are better than the benchmark, which tells us the decline has been less severe than the index over those horizons.<\/p>\n<p>At the same time, the 3-month return is ahead of the benchmark, which suggests some recovery in the shorter run. That matters because the fund did not move in a straight line: the recent path has included both soft patches and improvement, rather than a smooth advance.<\/p>\n<p>Over the longer horizon, the picture is more constructive. The 3-year and 5-year returns both stay above the benchmark, so the fund has created more value than the index across a full market cycle and beyond. Our read is that the fund has shown resilience, even if the near-term trend is not as steady as the longer-term compounding trend.<\/p>\n<p>For an investor, that combination points to a fund that can participate in up-moves but may also experience uneven periods along the way. The benchmark comparison is useful here: the fund has not needed the market to be uniformly strong in order to stay ahead over 3 years and 5 years.<\/p>\n<p class=\"mf-source-date\"><small>Source data date: as of 10 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_Childrens_FundLock_in-Direct_Plan\"><\/span>Should you BUY or HOLD HDFC Children&#8217;s Fund(Lock in)-Direct Plan?<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 Children&#8217;s Fund(Lock in)-Direct Plan? 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-children-s-fund-lock-in-direct-plan\">HDFC Children&#8217;s Fund(Lock in)-Direct Plan<\/a><\/td>\n<td>-0.43%<\/td>\n<td>8.4%<\/td>\n<td>10.4%<\/td>\n<\/tr>\n<tr>\n<td><a href=\"https:\/\/univest.in\/mutual-funds\/sbi-children-s-fund-investment-plan-g-direct-plan\">SBI Children&#8217;s Fund Investment Plan Direct Growth Plan<\/a><\/td>\n<td>15.74%<\/td>\n<td>20.9%<\/td>\n<td>21.22%<\/td>\n<\/tr>\n<tr>\n<td><a href=\"https:\/\/univest.in\/mutual-funds\/sbi-children-s-fund-savings-plan-g-direct-plan\">SBI Children&#8217;s Fund Savings Plan Direct Growth Plan<\/a><\/td>\n<td>10.08%<\/td>\n<td>11.77%<\/td>\n<td>10.88%<\/td>\n<\/tr>\n<tr>\n<td><a href=\"https:\/\/univest.in\/mutual-funds\/lic-mf-children-s-fund-g-direct-plan\">LIC MF Children\u2019s Fund Direct Growth Plan<\/a><\/td>\n<td>7.46%<\/td>\n<td>9.3%<\/td>\n<td>8.35%<\/td>\n<\/tr>\n<tr>\n<td><a href=\"https:\/\/univest.in\/mutual-funds\/aditya-birla-sl-bal-bhavishya-yojna-g-direct-plan\">Aditya Birla SL Bal Bhavishya Yojna Direct Growth Plan<\/a><\/td>\n<td>6.55%<\/td>\n<td>11.18%<\/td>\n<td>9.97%<\/td>\n<\/tr>\n<tr>\n<td><a href=\"https:\/\/univest.in\/mutual-funds\/baroda-bnp-paribas-children-s-fund-g-direct-plan\">Baroda BNP Paribas Children&#8217;s Fund Direct Growth Plan<\/a><\/td>\n<td>6.09%<\/td>\n<td>Data not available<\/td>\n<td>Data not available<\/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 1-year measure, this fund trails the listed peers that have available figures, while the 3-year and 5-year figures are also lower than the stronger peer outcomes shown here. The gap is especially visible against the better-performing children\u2019s funds, which have delivered materially higher returns across all three horizons.<\/p>\n<p>That said, the comparison also shows that the fund has held onto a positive multi-year return profile, while one peer has missing 3-year and 5-year figures in this view. So the story is not simply about short-term softness; it is also about a steadier but more moderate long-term outcome than the stronger peer numbers.<\/p>\n<p class=\"mf-source-date\"><small>Source data date: as of 10 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>ICICI Bank Ltd.<\/td>\n<td>Bank<\/td>\n<td>7.07%<\/td>\n<\/tr>\n<tr>\n<td>HDFC Bank Ltd.\u00a3<\/td>\n<td>Bank<\/td>\n<td>6.01%<\/td>\n<\/tr>\n<tr>\n<td>Larsen and Toubro Ltd.<\/td>\n<td>Infrastructure<\/td>\n<td>3.74%<\/td>\n<\/tr>\n<tr>\n<td>7.18% GOI Mat 140833<\/td>\n<td>Government Securities<\/td>\n<td>3.69%<\/td>\n<\/tr>\n<tr>\n<td>State Bank of India<\/td>\n<td>Bank<\/td>\n<td>3.08%<\/td>\n<\/tr>\n<tr>\n<td>Reliance Industries Ltd.<\/td>\n<td>Crude Oil<\/td>\n<td>2.98%<\/td>\n<\/tr>\n<tr>\n<td>7.1% GOI Mat 080434<\/td>\n<td>Government Securities<\/td>\n<td>2.95%<\/td>\n<\/tr>\n<tr>\n<td>Kotak Mahindra Bank Limited<\/td>\n<td>Bank<\/td>\n<td>2.93%<\/td>\n<\/tr>\n<tr>\n<td>Eclerx Services Limited<\/td>\n<td>IT<\/td>\n<td>2.69%<\/td>\n<\/tr>\n<tr>\n<td>Aster DM Quality Care Limited<\/td>\n<td>Healthcare<\/td>\n<td>2.67%<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>The top 10 holdings account for approximately 37.81% of the portfolio.<\/p>\n<p>To see all holdings, visit the <a href=\"https:\/\/univest.in\/mutual-funds\/hdfc-children-s-fund-lock-in-direct-plan\">HDFC Children&#8217;s Fund(Lock in)-Direct Plan<\/a> page<\/p>\n<p>The largest holding, ICICI Bank Ltd., stands at 7.07%, and the next few positions are not far behind, which suggests a measured spread rather than a single dominant bet. The drop from the first holding to the tenth is meaningful, but not abrupt, so the portfolio still appears to carry several individually relevant positions.<\/p>\n<p>At the same time, the displayed top 10 holdings sum to 37.81%, while the full portfolio disclosure runs to 55 holdings. That combination suggests the fund may not be overly dependent on the very top names alone, although the leading positions are still large enough to matter for short-term movements.<\/p>\n<p>Several of the biggest positions are in banks, along with infrastructure and government securities, so the fund may be balancing equity exposure with some lower-volatility holdings. The mix can help diversify the portfolio, but it also means the portfolio\u2019s behaviour could still be influenced by financials and broader market swings.<\/p>\n<p class=\"mf-source-date\"><small>Source data date: as of 10 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 is better suited to investors who are comfortable with High Risk exposure and can stay invested through weaker periods. The 5-year lock-in makes it more appropriate for a long horizon, because the short-term numbers have been uneven even though the longer-term record is stronger.<\/p>\n<p>The main trade-off is clear: you get a portfolio that has stayed ahead of the benchmark over 3 years and 5 years, but you must accept that shorter stretches can lag the longer-run trend. For investors who want a children-oriented solution and can tolerate volatility in exchange for a more constructive multi-year outcome, the fit looks more reasonable than for someone seeking steady near-term returns.<\/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 10 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_Childrens_FundLock_in-Direct_Plan\"><\/span>What is the current NAV of HDFC Children&#8217;s Fund(Lock in)-Direct Plan?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>The current NAV is \u20b9322.886 as of 10 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 1-year return is -0.43%, the 3-year return is 8.4%, and the 5-year return is 10.4%.<\/p>\n<h3 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"How_does_the_fund_compare_with_the_benchmark\"><\/span>How does the fund compare with the benchmark?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>It has done better than Nifty 50 over 1 year, 3 years and 5 years. The gap is especially clear over the longer horizons, where the fund\u2019s returns stay ahead of the benchmark by a wider margin.<\/p>\n<h3 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"How_does_it_compare_with_the_peer_funds_listed_here\"><\/span>How does it compare with the peer funds listed here?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>The fund trails the stronger peer numbers on 1-year, 3-year and 5-year returns, while still showing a positive multi-year return pattern. One peer in the list has missing 3-year and 5-year figures in this view.<\/p>\n<h3 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"What_is_the_funds_risk_profile_and_lock-in\"><\/span>What is the fund\u2019s risk profile and lock-in?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>The scheme is in the High Risk category and carries a 5-year lock-in. That combination makes it more suitable for investors who can remain patient over a longer holding period.<\/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 Chirag Setalvad and 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 Children&#8217;s Fund(Lock in)-Direct Plan has a weaker near-term patch than its longer-run record, but the 3-year and 5-year numbers still sit ahead of the benchmark. Peer comparisons show a less aggressive return profile than the stronger children\u2019s funds in the list, so the appeal is more about steadier multi-year compounding than standout recent momentum. The portfolio is still led by a handful of large holdings, especially banks, which keeps the fund firmly in High Risk territory. It looks more relevant for long-horizon investors who can live with uneven shorter-term performance.<\/p>\n<p class=\"univest-posted-at\" style=\"font-size:14px;color:#666;margin:20px 0 8px\">Published on 11 September 2026 at 6:14 PM 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 Children's Fund(Lock in)-Direct Plan\",\"identifier\":\"hdfc-children-s-fund-lock-in-direct-plan\",\"category\":\"Solution Oriented\",\"dateCreated\":\"01 Jan 2013\",\"isAccessibleForFree\":true,\"additionalProperty\":[{\"@type\":\"PropertyValue\",\"name\":\"NAV\",\"value\":322.886,\"valueReference\":\"as of 10 Sep 2026\"},{\"@type\":\"PropertyValue\",\"name\":\"AUM\",\"value\":\"10657 Cr\"},{\"@type\":\"PropertyValue\",\"name\":\"Expense Ratio\",\"value\":\"0.9\"},{\"@type\":\"PropertyValue\",\"name\":\"Benchmark\",\"value\":\"Nifty 50\"},{\"@type\":\"PropertyValue\",\"name\":\"1Y Return\",\"value\":-0.43},{\"@type\":\"PropertyValue\",\"name\":\"3Y Return\",\"value\":8.4},{\"@type\":\"PropertyValue\",\"name\":\"5Y Return\",\"value\":10.4},{\"@type\":\"PropertyValue\",\"name\":\"Fund Managers\",\"value\":\"Chirag Setalvad, 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 Children's Fund(Lock in)-Direct Plan?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"The current NAV is \u20b9322.886 as of 10 Sep 2026.\"}},{\"@type\":\"Question\",\"name\":\"What are the fund\u2019s 1-year, 3-year and 5-year returns?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"The 1-year return is -0.43%, the 3-year return is 8.4%, and the 5-year return is 10.4%.\"}},{\"@type\":\"Question\",\"name\":\"How does the fund compare with the benchmark?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"It has done better than Nifty 50 over 1 year, 3 years and 5 years. 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That combination makes it more suitable for investors who can remain patient over a longer holding period.\"}},{\"@type\":\"Question\",\"name\":\"Who manages the fund and what is the exit load?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"The fund is managed by Chirag Setalvad and Anil Bamboli. There is no exit load.\"}}]}<\/script><script type=\"application\/ld+json\">{\"@context\":\"https:\/\/schema.org\",\"@type\":\"Organization\",\"name\":\"Uniapps Investment Adviser Pvt. Ltd.\",\"description\":\"SEBI Registered Investment Adviser INA000017639\"}<\/script><\/p>\n","protected":false},"excerpt":{"rendered":"<p>HDFC Children&#8217;s Fund(Lock in)-Direct Plan has a NAV of \u20b9322.886 as of 10 Sep 2026, AUM of \u20b910,657 Cr, and 1Y\/3Y\/5Y returns of -0.43%\/8.4%\/10.4%.<\/p>\n","protected":false},"author":38,"featured_media":245006,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[3841],"tags":[],"class_list":["post-245007","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-mutual-funds"],"metadata":{"rank_math_internal_links_processed":["1"],"_thumbnail_id":["245006"],"rank_math_title":["HDFC Children's Fund Direct Review 2026 | NAV &amp; Returns"],"rank_math_description":["HDFC Children's Fund Direct NAV is \u20b9322.886 as of 10 Sep 2026; 1Y return -0.43%, 3Y 8.4%, 5Y 10.4%."],"rank_math_focus_keyword":["HDFC Children's Fund(Lock in)-Direct 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_Childrens_FundLock_in_Direct_Review_2026_NAV_Returns_Portfolio_Should_You_Invest_neutral.png","_links":{"self":[{"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/posts\/245007","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\/38"}],"replies":[{"embeddable":true,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/comments?post=245007"}],"version-history":[{"count":0,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/posts\/245007\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/media\/245006"}],"wp:attachment":[{"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/media?parent=245007"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/categories?post=245007"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/tags?post=245007"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}