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HDFC Retirement Savings Fund - Hybrid Debt Plan Direct-Growth

NAV as of Oct 20, 2025Returns since inceptionET Money RankAUM (Fund size)
9.78% p.a.
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160 Cr

Historical NAV & returns

NAV: ₹24.7113 as on Oct 20, 2025
This fund Category average
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This fund Category average

HDFC Retirement Savings Fund - Hybrid Debt Plan overview

Expense ratio1.06% as on Sep 30, 2025
Exit load0%
AUM (Fund size)160 Cr
Lock-in Period5 Years
Age9 yrs 8 m since Feb 05, 2016
BenchmarkNIFTY 50 Hybrid Composite Debt 15:85 Conservative
Min. investment

SIP: 500 & Lumpsum: 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 Oct 25, 2025

PeriodThis fundCategory 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%

Asset allocationas on Sep 30, 2025

Large Cap 17.67%

Mid Cap 0.76%

Small Cap 3.46%

Other Cap 0%

Top sectors

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%

Top Debt Holdings

GOI 7.14%

Mahindra Rural Housing Finance Ltd. 6.41%

TMF Holdings Ltd. 6.24%

Indian Railway Finance Corporation Ltd. 3.26%

Allocation by Instruments

GOI Securities 19.91266739%

Cash Margin 16.02965261%

Non Convertible Debenture 15.71094109%

Repo 12.53677087%

Other Holdings

Others 3.51%

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

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

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 8.81% 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.