Q: What are the returns of HDFC Retirement Savings Fund - Hybrid Debt Plan?

The HDFC Retirement Savings Fund - Hybrid Debt Plan is a 9 yrs 7 m old fund and has delivered average annual returns of 8.33% since inception. HDFC Retirement Savings Fund - Hybrid Debt Plan Returns 1-Year 3-Year 5-Year Since Inception 2.71% 8.55% 8.52% 8.33%

Question 1

What is the current NAV of HDFC Retirement Savings Fund - Hybrid Debt Plan?

Accepted Answer

The current Net Asset Value (NAV) of the HDFC Retirement Savings Fund - Hybrid Debt Plan - Direct Growth plan is approximately ₹21.4982 as of Sep 03, 2025.

Question 2

What are the returns of HDFC Retirement Savings Fund - Hybrid Debt Plan?

Accepted Answer

The HDFC Retirement Savings Fund - Hybrid Debt Plan is a 9 yrs 7 m old fund and has delivered average annual returns of 8.33% since inception.

HDFC Retirement Savings Fund - Hybrid Debt Plan Returns

1-Year	3-Year	5-Year	Since Inception
2.71%	8.55%	8.52%	8.33%

Question 3

How much does HDFC Retirement Savings Fund - Hybrid Debt Plan charge as the expense ratio?

Accepted Answer

The HDFC Retirement Savings Fund - Hybrid Debt Plan - Direct Growth has an expense ratio of 2.14%, which reflects the fund's management and operating costs. This percentage is subtracted from the fund's annual returns, impacting net returns for investors.

Question 4

What is the AUM or size of HDFC Retirement Savings Fund - Hybrid Debt Plan?

Accepted Answer

The HDFC Retirement Savings Fund - Hybrid Debt Plan currently has assets under management (AUM) or fund size valued at approximately ₹163 Crs crore as of Jun 30, 2025.

Question 5

What are the top stock holdings of HDFC Retirement Savings Fund - Hybrid Debt Plan?

Accepted Answer

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
Larsen & Toubro Ltd.	6.43%
Tata Consultancy Services Ltd.	6.32%
Reliance Industries Ltd.	5.7%
ICICI Bank Ltd.	2.74%
HDFC Bank Ltd.	2.72%
State Bank of India	0.96%
Bharti Airtel Ltd.	0.94%
Axis Bank Ltd.	0.86%
Infosys Ltd.	0.84%
Maruti Suzuki India Ltd.	0.78%

Question 6

What are the top sectors HDFC Retirement Savings Fund - Hybrid Debt Plan has invested in?

Accepted Answer

The HDFC Retirement Savings Fund - Hybrid Debt Plan's equity portion is primarily invested in the following sectors -

Company	Percentage of Portfolio
Larsen & Toubro Ltd.	6.43%
Tata Consultancy Services Ltd.	6.32%
Reliance Industries Ltd.	5.7%
ICICI Bank Ltd.	2.74%
HDFC Bank Ltd.	2.72%
State Bank of India	0.96%
Bharti Airtel Ltd.	0.94%
Axis Bank Ltd.	0.86%
Infosys Ltd.	0.84%
Maruti Suzuki India Ltd.	0.78%

Question 7

To whom does HDFC Retirement Savings Fund - Hybrid Debt Plan lend to?

Accepted Answer

The top 3 debt holdings of HDFC Retirement Savings Fund - Hybrid Debt Plan are as follows

Holding Name	Percentage of Portfolio
GOI	7.11%
Mahindra Rural Housing Finance Ltd.	6.36%
TMF Holdings Ltd.	6.16%

Question 8

What is the quality of borrowers HDFC Retirement Savings Fund - Hybrid Debt Plan lends to?

Accepted Answer

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

Holding Name	Percentage of Portfolio
GOI	7.11%
Mahindra Rural Housing Finance Ltd.	6.36%
TMF Holdings Ltd.	6.16%

Question 9

What is the risk level of HDFC Retirement Savings Fund - Hybrid Debt Plan?

Accepted Answer

This is a Retirement Solutions fund comes with Moderately High risk.

Question 10

Is there any lock-in period in HDFC Retirement Savings Fund - Hybrid Debt Plan?

Accepted Answer

Yes, this fund comes with a mandatory lock-in period of 5 years.

Question 11

How do I invest in HDFC Retirement Savings Fund - Hybrid Debt Plan Regular-Growth?

Accepted Answer

HDFC Retirement Savings Fund - Hybrid Debt Plan Regular-Growth is the regular plan of the fund. For this plan of you pay 2.14% as annual charges. On the other hand if you go for the direct plan available on ET Money, you pay 1.06%. That's 1.08% less.

Regular plans charge more because when you buy them, the fund pays commission to the agent. This is an additional expense for the fund and to cover this expense, the fund takes a bigger share from the returns generated by your investments.

So, the lower annual cost of the direct plan means you will earn 1.08% if you opt for direct plan of HDFC Retirement Savings Fund - Hybrid Debt Plan

Question 12

How can I redeem my investments in HDFC Retirement Savings Fund - Hybrid Debt Plan?

Accepted Answer

Redeeming your investments in HDFC Retirement Savings Fund - Hybrid Debt Plan is super easy. If you have invested in this fund via ET Money, just login into the app, go to the investment section and put the redemption request.

If you have invested in HDFC Retirement Savings Fund - Hybrid Debt Plan from anywhere else, you can go to the fund house website and put a request through it.

Expense ratio	2.14% as on Aug 31, 2025
Plan type	Regular
Exit load	0%
AUM (Fund size)	₹163 Cr
Lock-in Period	5 Years
Age	9 yrs 7 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	-0.66%	-0.28%
3 Months	-0.47%	-0.02%
6 Months	5.18%	9.03%
1 Year	2.71%	1.42%
2 Years	8.17%	11.56%
3 Years	8.55%	11.03%
4 Years	7.26%	8.72%
5 Years	8.52%	11.62%
7 Years	7.86%	9.26%

Fund name	ETM Rank	AUM	Fund age	Expense ratio
HDFC Retirement Savings Fund - Hybrid Debt Plan	N.A.	163 Cr	9 yrs 7 m	2.14%
UTI Retirement Fund	N.A.	4,725 Cr	30 yrs 8 m	1.65%
HDFC Retirement Savings Fund - Hybrid Equity Plan	N.A.	1,657 Cr	9 yrs 7 m	2.07%
ICICI Prudential Retirement Fund - Hybrid Conservative Plan	N.A.	82 Cr	6 yrs 7 m	2.12%
ICICI Prudential Retirement Fund - Hybrid Aggressive Plan	N.A.	790 Cr	6 yrs 7 m	2.2%

Fund name	1M	6M	1Y	3Y	5Y	10Y
HDFC Retirement Savings Fund - Hybrid Debt Plan	-0.66%	5.18%	2.71%	8.55%	8.52%	N.A.
UTI Retirement Fund	-0.84%	6.75%	1.99%	11.58%	13.33%	9.61%
HDFC Retirement Savings Fund - Hybrid Equity Plan	0.01%	10.77%	-1.15%	14.28%	17.63%	14.39%
ICICI Prudential Retirement Fund - Hybrid Conservative Plan	0.31%	7.98%	5.8%	10.4%	9.01%	5.68%
ICICI Prudential Retirement Fund - Hybrid Aggressive Plan	0.62%	18.14%	3.27%	19.58%	20.41%	9.98%

Fund name	Std. deviation	Beta	Sharpe	Sortino
HDFC Retirement Savings Fund - Hybrid Debt Plan	3.59	0.88	0.51	0.91
UTI Retirement Fund	5.81	0.62	0.81	1.39
HDFC Retirement Savings Fund - Hybrid Equity Plan	8.79	0.77	0.83	1.36
ICICI Prudential Retirement Fund - Hybrid Conservative Plan	4.28	1.01	0.79	1.22
ICICI Prudential Retirement Fund - Hybrid Aggressive Plan	12.69	1.09	0.9	1.44

HDFC Retirement Savings Fund - Hybrid Debt Plan Regular-Growth

Historical NAV & returns

HDFC Retirement Savings Fund - Hybrid Debt Plan overview

HDFC Retirement Savings Fund - Hybrid Debt Plan Returns calculator

Trailing returns as on Sep 04, 2025

Asset allocationas on May 31, 2025

Peer comparison

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

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

About this fund

About HDFC Retirement Savings Fund - Hybrid Debt Plan

Fund managers

Investment objective

HDFC Mutual Fund details

More funds from HDFC Mutual Fund

Frequently asked questions

HDFC Retirement Savings Fund - Hybrid Debt Plan Returns

ET Money rank

Alpha	-0.35 vs. 2.91 Underperformed at beating benchmark
Sharpe	0.51 vs. 2.81 Poor risk-adjusted returns
Beta	0.88 vs. 0.77 More sensitive to market's ups & downs
Standard deviation	3.59 vs. 6.36 More stable returns

Fund AUM	163 Cr as on May 31, 2025
Scheme document	View Scheme Document

No. of schemes	77 view all schemes
Total AUM	8,37,348 Cr as on Jun 30, 2025
Address	"HDFC House", 2nd Floor, H. T. Parekh Marg, 165-166, Backbay Reclamation, Churchgate Mumbai, 400020
Email	shareholders.relations@hdfcfund.com
Phone	022 ? 66316333

Fund name	ETM Rank	AUM	1Y	5Y
HDFC Balanced Advantage Fund	N.A.	1,00,299 Cr	0.13%	22.99%
HDFC Retirement Savings Fund - Hybrid Equity Plan	N.A.	1,657 Cr	-1.15%	17.63%
HDFC Hybrid Equity Fund	N.A.	24,461 Cr	0.47%	17.26%
HDFC Multi Asset Fund	N.A.	4,375 Cr	6.21%	15.23%
HDFC Multi-Asset Active FoF	N.A.	4,046 Cr	7.95%	N.A.
HDFC Equity Savings Fund	N.A.	5,546 Cr	2.88%	12.2%

Sector	Percentage of Portfolio
Financial	7.680000000000001%
Technology	7.16%
Energy	6.8%
Construction	6.43%
Capital Goods	1.53%
Services	1.47%
Automobile	1.38%
Insurance	1.2799999999999998%
Communication	0.94%
Consumer Staples	0.93%

Credit Quality	Percentage of Portfolio
SOV	27.51307305%
Cash	16.98686791%
Cash & Call Money	13.68086321%