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| NAV as of Oct 20, 2025 | Returns since inception | ET Money Rank | AUM (Fund size) |
|---|---|---|---|
| ₹24.7113+0.15% 1 day change | 9.78% p.a. | App exclusive | ₹160 Cr |
| Expense ratio | 1.06% as on Sep 30, 2025 |
| Exit load | 0% |
| AUM (Fund size) | ₹160 Cr |
| Lock-in Period | 5 Years |
| Age | 9 yrs 8 m since Feb 05, 2016 |
| Benchmark | NIFTY 50 Hybrid Composite Debt 15:85 Conservative |
| Min. investment | SIP: ₹500 & Lumpsum: ₹5000 |
| Risk | Moderately High |
| Period | This fund | Category average |
|---|---|---|
| 1 Month | 1.15% | 1.91% |
| 3 Months | 1.17% | 2.07% |
| 6 Months | 3.29% | 6.09% |
| 1 Year | 6.09% | 6.89% |
| 2 Years | 10.72% | 14.92% |
| 3 Years | 10.39% | 13.38% |
| 4 Years | 8.76% | 10.22% |
| 5 Years | 9.8% | 13.26% |
| 7 Years | 9.7% | 11.61% |

Large Cap 17.67%
Mid Cap 0.76%
Small Cap 3.46%
Other Cap 0%
Financial 7.5%
Technology 7.26%
Energy 6.7700000000000005%
Construction 6.44%
SOV 27.05350492%
Cash & Call Money 16.04823764%
Cash 16.02965261%
AA+ 12.64543728%
GOI 7.14%
Mahindra Rural Housing Finance Ltd. 6.41%
TMF Holdings Ltd. 6.24%
Indian Railway Finance Corporation Ltd. 3.26%
GOI Securities 19.91266739%
Cash Margin 16.02965261%
Non Convertible Debenture 15.71094109%
Repo 12.53677087%
Others 3.51%

| Alpha | 0.77 vs. 3.81 Underperformed at beating benchmark |
| Sharpe | 1.0 vs. 3.65 Poor risk-adjusted returns |
| Beta | 0.88 vs. 0.99 Less sensitive to market ups & downs |
| Standard deviation | 3.48 vs. 6.26 More stable returns |
| Fund AUM | 160 Cr as on Sep 30, 2025 |
| Scheme document | View Scheme Document |
The Scheme seeks to provide long-term capital appreciation / income by investing in a mix of equity and debt instruments to help investors meet their retirement goals.
| No. of schemes | 78 view all schemes |
| Total AUM | 8,93,028 Cr as on Sep 30, 2025 |
| Address | "HDFC House", 2nd Floor, H. T. Parekh Marg, 165-166, Backbay Reclamation, Churchgate Mumbai, 400020 |
| shareholders.relations@hdfcfund.com | |
| Phone | 022 ? 66316333 |
| Fund name | ETM Rank | AUM | 1Y | 5Y |
|---|---|---|---|---|
| HDFC Balanced Advantage Fund | N.A. | 1,03,041 Cr | 7.08% | 24.9% |
| HDFC Retirement Savings Fund - Hybrid Equity Plan | N.A. | 1,681 Cr | 5.73% | 19.09% |
| HDFC Hybrid Equity Fund | N.A. | 24,081 Cr | 7.59% | 18.12% |
| HDFC Multi Asset Fund | N.A. | 4,930 Cr | 12.05% | 17.12% |
| HDFC Multi-Asset Active FoF | N.A. | 4,793 Cr | 13.26% | N.A. |
| HDFC Equity Savings Fund | N.A. | 5,739 Cr | 6.79% | 13.6% |
The current Net Asset Value (NAV) of the HDFC Retirement Savings Fund - Hybrid Debt Plan - Direct Growth plan is approximately ₹24.7113 as of Oct 20, 2025.
The HDFC Retirement Savings Fund - Hybrid Debt Plan Direct-Growth is a 9 yrs 8 m old fund and has delivered average annual returns of 9.78% since inception.
| 1-Year | 3-Year | 5-Year | Since Inception |
|---|---|---|---|
| 6.09% | 10.39% | 9.8% | 9.78% |
The HDFC Retirement Savings Fund - Hybrid Debt Plan - Direct Growth has an expense ratio of 1.06%, representing the annual cost of managing and operating the fund. This fee is deducted from the fund's AUM while declaring the daily NAV, reducing investor returns.
The HDFC Retirement Savings Fund - Hybrid Debt Plan currently has assets under management (AUM) or fund size valued at approximately 160 Cr as on Sep 30, 2025.
The HDFC Retirement Savings Fund - Hybrid Debt Plan's equity portion has been invested in the stocks of the following companies
| Company | Percentage of Portfolio |
|---|---|
| Tata Consultancy Services Ltd. | 6.45% |
| Larsen & Toubro Ltd. | 6.44% |
| Reliance Industries Ltd. | 5.66% |
| HDFC Bank Ltd. | 2.6% |
| ICICI Bank Ltd. | 2.52% |
| State Bank of India | 1.06% |
| Maruti Suzuki India Ltd. | 1.0% |
| Bharti Airtel Ltd. | 0.94% |
| Axis Bank Ltd. | 0.92% |
| Infosys Ltd. | 0.81% |
The HDFC Retirement Savings Fund - Hybrid Debt Plan's equity portion is primarily invested in the following sectors -
| Sector | Percentage of Portfolio |
|---|---|
| Financial | 7.5% |
| Technology | 7.26% |
| Energy | 6.7700000000000005% |
| Construction | 6.44% |
| Automobile | 1.71% |
| Capital Goods | 1.4999999999999998% |
| Services | 1.49% |
| Healthcare | 1.4300000000000002% |
| Insurance | 1.27% |
| Communication | 0.94% |
The top 3 debt holdings of HDFC Retirement Savings Fund - Hybrid Debt Plan are as follows
| Holding Name | Percentage of Portfolio |
| GOI | 7.14% |
| Mahindra Rural Housing Finance Ltd. | 6.41% |
| TMF Holdings Ltd. | 6.24% |
The credit rating of the instruments in which the fund invests represents the quality of the borrower.
The HDFC Retirement Savings Fund - Hybrid Debt Plan's debt portion's allocation by credit quality is given below| Credit Quality | Percentage of Portfolio |
| SOV | 27.05350492% |
| Cash & Call Money | 16.04823764% |
| Cash | 16.02965261% |
This is a Retirement Solutions fund comes with Moderately High risk.
Yes, this fund comes with a mandatory lock-in period of 5 years.
It is very fast, easy, and completely paperless in this mutual fund scheme on ET Money. The whole process takes just a few minutes. Here's how it works:
For the Desktop Version:
For the Mobile Version:
That's it. Your investment in the HDFC Retirement Savings Fund - Hybrid Debt Plan is complete.
Redeeming your investments in the HDFC Retirement Savings Fund - Hybrid Debt Plan is simple. If you have invested via ET Money, just log in to the app, go to the holdings section, and submit the redemption request.
If you have invested from anywhere else, you can go to the fund house website and put a request through it.
