HDFC Transportation and Logistics Fund
Direct · GrowthAI Summary
HDFC Transportation and Logistics Fund has delivered strong SIP returns of 19.35% over 3 years and 19.0% over 1 year, well ahead of category average SIP XIRR of 16.26% and 10.68% respectively. Against the NIFTY 50, the fund shows substantial alpha of 16.76% over 3Y and 16.33% over 1Y, with a 3Y lump-sum CAGR of 22.01% versus the benchmark's 5.26%. Calendar year returns have been consistently positive, ranging from 3.72% in 2026 to 29.58% in 2024.
The fund exhibits a favorable risk profile with downside capture of 84.08% over 3Y against upside capture of 104.77%, indicating it falls less than the benchmark in weak markets while participating more in rallies. The Calmar Ratio improved from 0.87 over 1Y to 1.08 over 3Y, suggesting better risk-adjusted returns over longer horizons. However, the fund has experienced 3 drawdown events exceeding 10%, with the maximum drawdown lasting 192 days and taking 133 days to recover, which investors should be prepared for.
The portfolio is heavily concentrated in auto-linked sectors, with Auto Components at 45.4% and Automobiles at 26.2% of assets, meaning over 70% of the fund rides on the automotive cycle. Top holdings include Eternal Limited (9.4%), Maruti Suzuki (8.79%), and Eicher Motors (8.75%), with the top 10 holdings accounting for roughly 64% of the 32-stock portfolio. Despite the fund's transportation and logistics label, transport services exposure is minimal at just 3.6%, making this effectively an auto-sector play.
The fund ranks as a top performer in its category, with a perfect 100% consistency score over both 12-month and 24-month windows, indicating it stayed in the top tier throughout. Its 3Y SIP XIRR of 19.35% outpaces the category average of 16.26% by over 3 percentage points. This combination of consistency and outperformance suggests sustained stock selection skill rather than a one-off strong period.
This fund suits investors with high risk tolerance seeking concentrated exposure to the automotive and transportation ecosystem, ideally as a satellite allocation of no more than 10-15% of the overall portfolio. A time horizon of at least 5 years is recommended given the sector's cyclicality and the fund's history of multi-month drawdowns. Investors should be comfortable with significant sector concentration risk and avoid treating this as a diversified core holding.
- Strong alpha generation versus NIFTY 50 across all periods, including 16.76% over 3Y and 10.71% over 5Y
- Superior downside protection with downside capture of 83-88% versus upside capture above 104%
- Perfect 100% top-fund consistency over 12 and 24 months, with SIP XIRR beating category averages at both 1Y and 3Y
- Heavy sector concentration with over 70% in Auto Components and Automobiles, exposing investors to a single economic cycle
- Three drawdown events exceeding 10%, with the worst lasting 192 days and requiring 133 days for recovery
Generated on 22-10-2026, 3:02 AM. Verify before investing.
Gives more importance to longer time periods (10Y, 20Y) than shorter ones (1Y, 3Y). This balances out recent outperformance and gives a more realistic picture of what long-term returns might look like.
The largest peak-to-trough decline in the fund's NAV. Shows the worst-case loss an investor would have experienced at any point in the fund's history.
If you invested ₹1,00,000 every month via SIP, here's how this fund has historically performed across different time horizons.
| Duration | Invested | Median Value | XIRR | Min XIRR | Max XIRR |
|---|---|---|---|---|---|
| 1 Year | ₹12.00 L | ₹12.97 L | 21.2% | -25.9% | 89.5% |
| 3 Years | ₹36.00 L | ₹46.92 L | 19.2% | 10.9% | 24.0% |
SIP returns vs benchmark & category
Annualised SIP return (XIRR) over each rolling horizon — like-for-like, not lump-sum.
| Duration | Fund SIP XIRR | NIFTY 50 | Category avg | Fund edge |
|---|---|---|---|---|
| 1 Year | 21.2% | 14.3% | 10.6% | +6.9% |
| 3 Years | 19.2% | 11.0% | 16.2% | +8.1% |
| Duration | Mean | Median | Min | Max | Sharpe | Sortino | % Positive | Cat. Mean | Cat. Median |
|---|---|---|---|---|---|---|---|---|---|
| 1 Year | 20.4% | 17.6% | -3.9% | 68.2% | 0.81 | 6.63 | 97% | — | — |
| 3 Years | 25.0% | 25.3% | 21.0% | 28.5% | 8.37 | — | 100% | — | — |
Calmar Ratio by Duration
Compared against NIFTY 50
| Duration | Alpha | Beta | Upside Capture | Downside Capture | Fund CAGR | Bench CAGR |
|---|---|---|---|---|---|---|
| 1 Year | +13.65 | 1.12 | 107.5% | 92.1% | -1.4% | -12.7% |
| 3 Years | +16.11 | 1.01 | 104.8% | 85.7% | 21.5% | 5.4% |
| 5 Years | +9.92 | 1.01 | 105.3% | 84.9% | 13.1% | 3.2% |
| 7 Years | +6.95 | 1.01 | 105.3% | 84.9% | 9.2% | 2.3% |
| 10 Years | +4.79 | 1.01 | 105.3% | 84.9% | 6.3% | 1.6% |
| 12 Years | +3.98 | 1.01 | 105.3% | 84.9% | 5.3% | 1.3% |
| 15 Years | +3.19 | 1.01 | 105.3% | 84.9% | 4.2% | 1.1% |
| # | Stock | % of NAV |
|---|---|---|
| 1 | Eternal Limited | 9.40% |
| 2 | Maruti Suzuki India Limited | 8.79% |
| 3 | Eicher Motors Ltd. | 8.75% |
| 4 | Bosch Limited | 7.91% |
| 5 | Sona Blw Precision Forgings | 6.91% |
| 6 | Tata Motors Limited | 6.81% |
| 7 | Hyundai Motor India Limited | 5.62% |
| 8 | Gabriel India Ltd. | 4.81% |
| 9 | MRF Ltd. | 3.00% |
| 10 | Sedemac Mechatronics Limited | 2.93% |