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HDFC Retirement Savings Fund - Hybrid Debt Plan Direct-Growth

NAV as of Apr 23, 2025Returns since inceptionET Money RankVRO Ratings
10.0% p.a.
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4

Historical NAV & returns

NAV: ₹23.9989 as on Apr 23, 2025
This fund Category average
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This fund Category average

HDFC Retirement Savings Fund - Hybrid Debt Plan overview

VRO rating4
Expense ratio1.02% as on Mar 31, 2025
Exit load0%info
Exit load of 1% if units are redeemed before completion of 60 years of age.!
AUM (Fund size)159 Crs
Lock-in5 Years
Age9 yrs 2 m since Feb 05, 2016
BenchmarkNIFTY 50 Hybrid Composite Debt 15:85 Conservative
Min. investment

SIP 500  &  Lump. 5000

RiskModerately HighModerately High Risk

HDFC Retirement Savings Fund - Hybrid Debt Plan Returns calculator

Investment type
Investment period
Investment period
Disclaimer: Products compared like fixed deposits may provide fixed guaranteed returns. Mutual Funds investments are subject to market risk, read all scheme related documents carefully. Past performance is not an indicator of future returns.
  • Total investment ₹ 12 lakh
  • Profit ₹12 lakhs
  • Total corpus ₹1 lakh
  • Absolute return 52.69%

Trailing returns as on Apr 24, 2025

PeriodThis fundCategory average
1 month 2.01% 2.57%
3 months 3.41% 3.47%
6 months 2.82% 1.14%
1 year 9.75% 10.38%
3 years 10.59% 12.96%
5 years 10.98% 14.95%
7 years 9.01% 10.36%

Asset allocationas on Mar 31, 2025

Large Cap 17.449284%

Mid Cap 0.5876039999999999%

Small Cap 3.253112%

Other Cap 0.0%

Top sectors

Technology 8.370000000000001%

Financial 7.220000000000001%

Energy 6.51%

Construction 6.31%

SOV 27.59606886%

Cash 16.96066724%

Cash & Call Money 14.44689435%

AA+ 12.69717814%

Top Debt Holdings

GOI 7.2%

Mahindra Rural Housing Finance Ltd. 6.42%

TMF Holdings Ltd. 6.28%

Indian Railway Finance Corporation Ltd. 3.27%

Allocation by Instruments

GOI Securities 20.40074955%

Cash Margin 16.96066724%

Non Convertible Debenture 16.43396684%

Repo 11.91809319%

Other Holdings

Others 16.96%

Peer comparison

Fund nameETM RankAUM (in Crs.)Fund ageExpense ratio
HDFC Retirement Savings Fund - Hybrid Debt PlanN.A.₹159 Crs9 yrs 2 m1.02%
UTI Retirement FundN.A.₹4,564 Crs12 yrs 3 m1.04%
HDFC Retirement Savings Fund - Hybrid Equity PlanN.A.₹1,567 Crs9 yrs 2 m0.95%
ICICI Prudential Retirement Fund - Hybrid Aggressive PlanN.A.₹755 Crs6 yrs 2 m1.03%
ICICI Prudential Retirement Fund - Hybrid Conservative PlanN.A.₹79 Crs6 yrs 2 m0.6%
Fund name1M6M1Y3Y5Y10Y
HDFC Retirement Savings Fund - Hybrid Debt Plan2.01%2.82%9.75%10.59%10.98%N.A.
UTI Retirement Fund2.86%2.48%12.61%13.68%16.71%10.28%
HDFC Retirement Savings Fund - Hybrid Equity Plan2.11%-0.65%9.5%16.81%22.55%15.53%
ICICI Prudential Retirement Fund - Hybrid Aggressive Plan3.16%-1.31%7.79%20.16%24.39%10.2%
ICICI Prudential Retirement Fund - Hybrid Conservative Plan2.21%2.77%8.79%10.99%11.45%6.18%
Fund nameStd. deviationBetaSharpeSortino
HDFC Retirement Savings Fund - Hybrid Debt Plan3.80.860.851.67
UTI Retirement Fund6.070.60.931.76
HDFC Retirement Savings Fund - Hybrid Equity Plan9.290.740.941.68
ICICI Prudential Retirement Fund - Hybrid Aggressive Plan12.961.00.841.36
ICICI Prudential Retirement Fund - Hybrid Conservative Plan4.611.00.771.27

Key risk & return ratios Compared to other funds in the category

Alpha 1.55 vs. 3.73 Underperformed at beating benchmark
Sharpe 0.85 vs. 3.41 Poor risk-adjusted returns
Beta 0.86 vs. 0.9 Less sensitive to market ups & downs
Standard deviation 3.8 vs. 6.89 More stable returns

Compare HDFC Retirement Savings Fund - Hybrid Debt Plan in detail with

ET Money rank

in Retirement Solutions
#NA
Ranking for this fund is unavailable.
  • Volatility Protection: This fund is one of the best in protecting against volatility in it's category.
  • Chance: This fund has generated a 8.56% annual return in 70% of times for investors holding for at least 5 years.
  • Return/Risk: For every unit of risk this fund takes, it produces 20% more returns.
  • Exit Load: This fund has no exit load.
  • Return Consistency: This fund ranks lower in terms of generating consistent return in it's category.