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HDFC Retirement Fund - Hybrid-Debt Plan
Direct Plan · Growth Option · HDFC Mutual Fund
Returns
Annualised (CAGR) returns for periods over a year.
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Rank in Category
| Period | This Fund | Category Avg. | Rank |
|---|---|---|---|
| 1W | +1.65% | +3.10% | 25 of 29 |
| 1M | +1.35% | +2.05% | 21 of 29 |
| 3M | -1.07% | -2.98% | 5 of 29 |
| 6M | +0.98% | +0.56% | 18 of 29 |
| YTD | -0.53% | -1.35% | 13 of 29 |
| 1Y | +0.21% | -1.13% | 15 of 29 |
| 2Y | +3.00% | +1.82% | 10 of 29 |
| 3Y | +6.87% | +7.99% | 18 of 27 |
| 5Y | +6.96% | +7.00% | 14 of 25 |
| 7Y | +8.04% | +8.97% | 10 of 18 |
| 10Y | +8.09% | +8.80% | 7 of 10 |
| INCEPTION | +8.83% | — | — |
Ranked among: Solution Oriented Schemes ** - Retirement Fund.
Rolling Returns
| Period | Average | Best | Worst | Positive Periods | Consistency |
|---|---|---|---|---|---|
| 3M | +2.18% | +6.89% | -5.16% | 82% | 33% |
| 6M | +4.33% | +11.52% | -3.44% | 89% | 37% |
| 1Y | +8.81% | +19.64% | -1.68% | 99% | 42% |
| 2Y | +8.75% | +14.16% | +1.77% | 100% | 43% |
| 3Y | +8.94% | +11.98% | +4.98% | 100% | 43% |
| 5Y | +9.02% | +11.31% | +6.55% | 100% | 43% |
| 7Y | +8.95% | +9.74% | +7.89% | 100% | 44% |
| 10Y | +8.62% | +9.55% | +7.79% | 100% | 43% |
Rolling returns show the average, best and worst outcome an investor would have seen entering at any point in the window.
NAV History
AUM Trend (₹ Cr, quarterly average)
Expense Ratio Trend
Portfolio · Sep 2026
Asset Allocation
- Equity41.97%
- Debt46.47%
- Cash11.56%
- Other0.00%
Market Cap Split
- Large Cap29.60%
- Mid Cap2.93%
- Small Cap9.44%
- Others58.03%
Fundamentals
| Fund | Category | |
|---|---|---|
| P/E | 20.70 | 24.15 |
| P/B | 2.69 | 3.54 |
| Price / Sales | 2.15 | 3.12 |
| Price / Cash Flow | 13.54 | 18.74 |
| Dividend Yield (%) | 1.46 | 1.41 |
Holdings · Sep 2026
| Holding | Sector | Weight | Change (1M) |
|---|---|---|---|
| 667GOI2050 | Debt | 9.37% | +0.08% |
| TREPS - Tri-party Repo | Reverse Repo / TREPS | 8.57% | — |
| ICICI Bank | Banks | 7.90% | -0.57% |
| Larsen & Toubro | Construction | 7.43% | -0.36% |
| Mahindra Rural Housing Finance Ltd^ | Debt | 7.04% | +0.14% |
| GOI LOAN 6.48% 2035 | Debt | 6.70% | +0.06% |
| 619GOI2034 | Debt | 6.60% | +0.06% |
| Reliance Industries | Petroleum Products | 5.53% | -0.27% |
| 757GOI2033 | Debt | 5.38% | +0.04% |
| 897GOI2030 | Debt | 4.14% | +0.05% |
| 750GOI2034 | Debt | 3.57% | +0.03% |
| Indian Railways Finance Corp. Ltd.^ | Debt | 3.56% | +0.08% |
| Net Current Assets | Net Current Assets | 2.99% | — |
| HDFC Bank | Banks | 2.18% | +0.06% |
| State Bank of India | Banks | 1.31% | -0.10% |
View all 51 holdings
| Axis Bank | Banks | 1.12% | -0.03% |
| Bharti Airtel | Telecom - Services | 0.99% | +0.00% |
| Maruti Suzuki | Automobiles | 0.84% | -0.09% |
| Firstsource Solutions | Commercial Services & Supplies | 0.72% | — |
| Vedant Fashions | Retailing | 0.71% | +0.30% |
| Infosys | IT - Software | 0.70% | -0.07% |
| Suprajit Engineering | Auto Components | 0.67% | +0.26% |
| United Spirits | Beverages | 0.66% | +0.25% |
| Vishal Mega Mart | Retailing | 0.64% | +0.19% |
| City Union Bank | Banks | 0.63% | +0.00% |
| Kovai Medical Center Hospital | Equity | 0.63% | — |
| Transport Corporation of India | Transport Services | 0.61% | +0.02% |
| Balkrishna Industries | Auto Components | 0.59% | +0.20% |
| SBI Life Insurance | Insurance | 0.59% | +0.00% |
| Shoppers Stop | Retailing | 0.58% | — |
| Dr. Lal Path Labs | Equity | 0.56% | +0.03% |
| Power Grid Corporation of India | Power | 0.55% | +0.01% |
| West Coast Paper Mills | Paper, Forest & Jute Products | 0.52% | — |
| ITC | Diversified FMCG | 0.46% | +0.02% |
| Vesuvius | Industrial Products | 0.45% | +0.03% |
| Lupin | Pharmaceuticals & Biotechnology | 0.43% | -0.02% |
| PVR Inox | Entertainment | 0.43% | +0.02% |
| Lumax Industries | Auto Components | 0.39% | -0.04% |
| Alkem Laboratories | Pharmaceuticals & Biotechnology | 0.36% | +0.00% |
| Gujarat Pipavav Port | Transport Infrastructure | 0.35% | +0.01% |
| Zensar Technologies | IT - Software | 0.30% | -0.01% |
| Kalpataru Projects International | Construction | 0.29% | +0.00% |
| TCPL Packaging | Industrial Products | 0.29% | +0.02% |
| Voltamp Transformers | Electrical Equipment | 0.29% | -0.01% |
| Bayer Crop Science | Fertilizers & Agrochemicals | 0.28% | -0.02% |
| Hindustan Petroleum | Petroleum Products | 0.25% | +0.00% |
| Huhtamaki PPL | Industrial Products | 0.25% | -0.02% |
| Finolex Cables | Industrial Products | 0.23% | — |
| SKF India | Auto Components | 0.21% | +0.00% |
| 754GOI2036 | Debt | 0.11% | +0.00% |
| GSPL Transmission | Gas | 0.05% | +0.00% |
Sector Allocation · Sep 2026
View all 23 sectors
Risk Metrics
Standard Deviation
| Period | Fund | Category | |
|---|---|---|---|
| 1Y | 4.07 | 10.03 | Low Volatility |
| 3Y | 3.64 | 9.44 | Low Volatility |
| 5Y | 3.50 | 8.94 | Low Volatility |
What is this?
Annualized population standard deviation of daily denomination-adjusted NAV returns, multiplied by sqrt(252). Values require a full timeframe of NAV history.
Sharpe Ratio
| Period | Fund | Category | |
|---|---|---|---|
| 1Y | -1.30 | -0.86 | Below Average |
| 3Y | 0.19 | 0.13 | Above Average |
| 5Y | 0.26 | 0.05 | Above Average |
What is this?
Annualized Sharpe ratio calculated from month-end NAV returns using the latest available FBIL Overnight MIBOR rate as the risk-free rate. For schemes with less than three years of history, the 3Y value uses since-inception data. Applied risk-free rate: 5.73% (published 2026-10-28).
Sortino Ratio
| Period | Fund | Category | |
|---|---|---|---|
| 1Y | 0.10 | 0.14 | Below Average |
| 3Y | 2.79 | 1.80 | Above Average |
| 5Y | 2.94 | 1.62 | Above Average |
What is this?
Annualized from daily NAV returns using a 0.00% minimum acceptable return; downside deviation includes only returns below this target.
Compare With Peers
| Scheme | 1Y | 3Y | 5Y | Since Inception |
|---|---|---|---|---|
|
ICICI Prudential Retirement Fund Hybrid Conservative Plan
Direct Plan · Growth
|
+3.76% | +9.45% | +8.46% | +9.46% |
|
ICICI Prudential Retirement Fund Pure Debt Plan
Regular Plan · IDCW
|
+2.93% | +5.47% | +4.89% | +6.02% |
|
Aditya Birla Sun Life Retirement Fund-The 50s Plus-Debt Plan
Regular Plan · GROWTH
|
+2.07% | +4.62% | +3.81% | +4.09% |
|
Tata Retirement Savings Fund-Progressive Plan
Regular Plan · Growth Option
|
+1.88% | +10.99% | +8.44% | +13.46% |
|
Tata Retirement Savings Fund-Moderate Plan
Regular Plan · Growth Option
|
+1.79% | +10.45% | +8.40% | +13.39% |
|
Tata Retirement Savings Fund-Conservative Plan
Regular Plan · Growth Option
|
+1.77% | +6.41% | +5.30% | +8.15% |
|
SBI Retirement Benefit Fund - Conservative Plan
Regular Plan · IDCW
|
+1.68% | +6.18% | +6.34% | +6.80% |
|
SBI Retirement Benefit Fund - Conservative Hybrid Plan
Direct Plan · Growth
|
+1.40% | +7.18% | +7.48% | +8.87% |
|
PGIM India Retirement Fund
Direct Plan · Direct Growth
|
+1.12% | — | — | +9.54% |
|
Aditya Birla Sun Life Retirement Fund-The 30s Plan
Regular Plan · IDCW
|
+1.00% | +5.13% | +4.41% | +7.08% |
More From HDFC Asset Management Company Limited
| Scheme | 1Y | 3Y | 5Y | Since Inception |
|---|---|---|---|---|
|
HDFC Silver ETF
Growth Option
|
+25.77% | +36.06% | — | +34.08% |
|
HDFC Pharma and Healthcare Fund
Direct Plan · Growth Option
|
+25.51% | +31.04% | — | +30.18% |
|
HDFC Silver ETF Fund of Fund
Direct Plan · Growth Option
|
+25.37% | +35.62% | — | +32.02% |
|
HDFC Defence Fund
Direct Plan · Growth Option
|
+19.94% | +36.01% | — | +38.17% |
|
HDFC Developed World Overseas Equity Passive FOF
Direct plan · Growth
|
+18.91% | +25.41% | +15.25% | +16.26% |
|
HDFC Gold ETF
Growth Option
|
+16.82% | +30.99% | +23.25% | +12.15% |
|
HDFC Gold ETF Fund of Fund
Direct Plan · Growth Option
|
+16.53% | +30.86% | +23.07% | +10.47% |
|
HDFC INNOVATION FUND
Direct Plan · IDCW Option
|
+13.31% | — | — | +14.01% |
|
HDFC CRISIL-IBX Financial Services 3-6 Months Debt Index Fund
Direct Plan · Growth Option
|
+6.94% | — | — | +6.95% |
|
HDFC Arbitrage Fund
Direct Plan · Growth Option
|
+6.62% | +7.25% | +6.74% | +6.44% |
About This Scheme
Investment Objective
The investment objective of the Investment Plans under the Scheme is to provide long-term capital appreciation / income by investing in a mix of equity and debt instruments to help investors meet their retirement goals.There is no assurance that the investment objective of the Scheme will be achieved.
Stated Asset Allocation
Debt Securities (including securitised debt) and money market instruments : 55% - 90%; Equity and Equity related Instruments :10% - 45%; Of which net long through equity and equity related instruments*: 5% - 30%; Of which Derivatives Including index futures, stock futures, index options, stock options etc: 5% - 40%; Units issued by InvITs : 0% - 10% * This net long equity exposure is aimed to gain from potential capital appreciation and thus is a directional equity exposure which will not be hedged. For detailed asset allocation, refer Scheme Information Document (SID) available on the website.
Exit Load
Fresh investments by investors including SIP / STP registrations, etc effective June 2, 2018: Exit Load (Upon completion of lock-in period): Nil Existing investments by investors including SIP / STP registrations, etc until June 1, 2018: Exit Load (Upon completion of lock-in period of 5 years) In respect of each purchase/switch-in of units offered under the respective Investment Plan(s) • An Exit Load of 1% is payable if Units are redeemed/ switched-out before completion of 60 years of age • No Exit Load is payable if Units are redeemed / switched-out on or after attainment of 60 years of age.
Fund Managers
FM 1 - Anupam Joshi , FM 2 - Mr. Arun Agarwal , FM 3 - Ms. Nandita Menezes, FM 4 - Mr.Chirag Setalvad, FM 5 - Mr. Gopal Agrawal
FM 1 - Debt, FM 2 - Arbitrage , FM 3 - Arbitrage ,FM 4 - Equities, FM 5 - Fund Manager for Overseas Investments
Mutual fund investments are subject to market risks. Read all scheme related documents carefully. Past performance is not indicative of future returns. Data is sourced from AMFI and fund houses via FinAPI and may lag official figures.