SIP Calculator: How ₹1,000 SIP in HDFC Flexi Cap Fund Grew to ₹2 Crore in 30 Years?

Launched in 1995, the HDFC Flexi Cap Fund is one of India’s oldest and most successful equity mutual funds. It allows investments across large-cap, mid-cap, and small-cap companies, offering balanced exposure to the equity market. With assets under management of ₹ 85,559 crore, it is HDFC Mutual Fund’s second-largest scheme and the third-largest equity fund overall.

Performance Overview

The fund has delivered outstanding long-term performance, with annualised returns of around 19% on lump-sum investments and over 21% on SIPs.

• 30-year SIP return: 21.33% CAGR
• Monthly SIP: ₹1,000
• Total investment: ₹3.6 lakh
• Value after 30 years: ₹2 crore

If someone had made a one-time investment of ₹1 lakh in 1995, it would have grown to about ₹2 crore today, showing a CAGR of 18.80%.

Investment Strategy

The fund follows a flexi-cap approach, meaning it invests across companies of all sizes, large, mid, and small caps. It focuses on buying quality businesses at reasonable valuations and holding them for the long term. The strategy combines both value investing and growth potential, aiming for consistent wealth creation.

Portfolio Composition

As of August 31, 2025:

• Top Holdings: ICICI Bank (9.21%), HDFC Bank (8.36%), Axis Bank (6.89%), Maruti Suzuki (4.51%), SBI Life (4.41%)
• Top Sectors:
  • Financial Services – 38.7%
  • Automobiles – 14.9%
  • Healthcare – 9.1%
  • IT – 5.9%
  • Metals & Mining – 4.0%

These allocations show the fund’s preference for stable financial and consumer-driven businesses.

Fund Details

• NAV (Oct 29, 2025): ₹2,091.18
• Expense Ratio: 1.37%
• Benchmark: Nifty 500 TRI
• Fund Managers: Roshi Jain and Dhruv Mutchal
• Sharpe Ratio: 1.317 (indicating high risk-adjusted returns)

Read More: SIP Calculator: ₹5,100 Monthly for 15 Years vs ₹11,000 for 7 Years – Which Gives Better Returns?

Risk Management Approach

The fund adheres to SEBI and internal risk guidelines. It uses both data-driven and fundamental research to balance risk and reward. Its wide diversification across sectors and market caps helps manage volatility effectively.

Conclusion

The HDFC Flexi Cap Fund has proven its ability to generate strong long-term returns with disciplined management and diversification. Investors aiming for steady wealth creation over the long term can consider this fund, especially through SIPs. However, as with all equity investments, returns are subject to market risks. Consult a financial advisor before investing.

Use the SIP Calculator to find out how your monthly investments can grow over time and understand how the power of compounding helps you build long-term wealth.

Disclaimer: This blog has been written exclusively for educational purposes. The securities mentioned are only examples and not recommendations. It is based on several secondary sources on the internet and is subject to changes. This does not constitute a personal recommendation/investment advice. It does not aim to influence any individual or entity to make investment decisions. Recipients should conduct their own research and assessments to form an independent opinion about investment decisions.

Mutual Fund investments are subject to market risks, read all scheme-related documents carefully.