HDFC Retirement Savings Fund - Hybrid-Debt Plan - Growth - Direct Plan

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  • (-0.16%)Nav, as on 12-08-2025

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  • Net Change on 12-08-2025

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  • Assets (Cr.)

  • Expense Ratio

Fund Overview Growth | Direct Plan

  • Fund House

  • Launch Date

  • Benchmark

  • Minimum Investment (₹)

  • Minimum Addl Investment (₹)

  • Exit Load (%)

  • Minimum SIP Investment (₹)

  • Minimum STP Investment (₹)

  • Minimum SWP Investment (₹)

  • 52 Week Low Nav (₹)

  • 52 Week Low Nav Date

  • 52 Week High Nav (₹)

  • 52 Week High Nav Date

Fund Objective

The investment objective of 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 realized.

Fund Performance

Scheme Name 1-Month Return (%) 3-Month Return (%) 1-Year Return (%) 3-Year Return (%) 5-Year Return (%) Since Inception
HDFC Retirement Savings Fund - Hybrid-Debt Plan - Growth Option - Direct Plan -5.92 6.66 5.57 10.18 10.00 9.84
Crisil 10 Yr Gilt Index N/A N/A N/A N/A N/A N/A
NIFTY 50 Hybrid Composite Debt 15:85 Index N/A N/A N/A N/A N/A N/A

Returns upto 1 year is Annualised, and above 1 year are Compounded Annualised

Peer Fund Comparison

Scheme Name Launch Date Ratings 1-Year Return (%) 3-Year Return (%) 5-Year Return (%) Expense Ratio (%) Assets (Cr.)
HDFC Retirement Savings Fund - Hybrid-Debt Plan - Growth Option - Direct Plan Feb 25, 2016 5.57 10.18 10.00 1.02 162.33
UTI Retirement Fund- Direct Plan Jan 01, 2013 5.10 12.67 14.17 1.02 4,712.98
Franklin India Retirement Fund - Direct - Growth Jan 01, 2013 5.28 11.46 11.01 1.46 520.28
Tata Retirement Savings Fund Conservative-Direct Plan Growth Jan 08, 2013 4.70 9.54 8.86 1.00 177.52
Nippon India Retirement Fund- Income Generation Scheme- Direct Plan- Growth Option Feb 11, 2015 5.84 10.38 8.29 0.97 154.35
ICICI Prudential Retirement Fund - Pure Debt - Direct Plan - Growth Option Feb 27, 2019 7.75 7.56 6.40 1.24 101.88

Fund Holdings as on 31-July-2025

  • TREPS - Tri-party Repo

  • 6.67% GOI MAT 171250

  • Larsen and Toubro Ltd.

  • 8.35% Mahindra Rural Housing Finance Ltd^

  • Tata Consultancy Services Ltd.

  • 7.7505% TMF Holdings Limited (Perpetual) (Perpetual)^

  • 6.19% GOI MAT 160934

  • Reliance Industries Ltd.

  • 7.57% GOI MAT 170633

  • 8.97% GOI MAT 051230^

  • Net Current Assets

  • 7.5% GOI MAT 100834^

  • 8.4% Indian Railways Finance Corp. Ltd.^

  • 6.83% HDFC Bank Ltd.£^

  • ICICI Bank Ltd.

  • HDFC Bank Ltd.£

  • State Bank of India

  • Bharti Airtel Ltd.

  • Axis Bank Ltd.

  • Infosys Limited

  • Maruti Suzuki India Limited

  • ITC LIMITED

  • Transport Corporation of India Ltd.

  • ICICI Lombard General Insurance Co

  • 9.1% Power Finance Corporation Ltd.^

  • SBI Life Insurance Company Ltd.

  • Vesuvius India Ltd.

  • Power Grid Corporation of India Ltd.

  • Bayer Cropscience Ltd

  • City Union Bank Ltd.

  • Gujarat State Petronet Ltd.

  • Dr. Lal Path Labs Ltd

  • Lumax Industries Ltd

  • Kalpataru Projects International Ltd

  • Symphony Ltd.

  • Alembic Pharmaceuticals Limited

  • Gujarat Pipavav Port Ltd.

  • Finolex Cables Ltd.

  • Gateway Distriparks Limited

  • Hindustan Petroleum Corp. Ltd.

  • Goodyear India Ltd.

  • Vardhman Textiles Ltd.

  • Voltamp Transformers Ltd.

  • The Anup Engineering Limited

  • United Spirits Limited

  • PVR LIMITED

  • 7.54% GOI MAT 230536

  • Popular Vehicles and Services Limited

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  • Miscellaneous

  • IT - Software

  • Engineering - Construction

  • Bank - Private

  • Refineries

  • Insurance

  • Logistics

  • Bank - Public

  • Telecommunication - Service Provider

  • Automobiles - Passenger Cars

  • Cigarettes/Tobacco

  • Refractories

  • Power Generation/Distribution

  • Pesticides & Agrochemicals

  • Gas Transmission/Marketing

  • Hospital & Healthcare Services

  • Auto Ancillary

  • Consumer Durables - Domestic Appliances

  • Pharmaceuticals & Drugs

  • Port

  • Cable

  • Tyres & Allied

  • Textile

  • Electric Equipment

  • Engineering - Industrial Equipments

  • Breweries & Distilleries

  • Film Production, Distribution & Entertainment

  • Automobiles - Dealers & Distributors

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Fund Manager

  • Cash

  • CRISIL - AA+

  • CRISIL - AAA

  • Equity

  • IND - AA+

  • Sovereign

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About HDFC Retirement Savings Fund - Hybrid-Debt Plan

Scheme Analysis

HDFC Retirement Savings Fund - Hybrid-Debt Plan is a Solution Oriented - Retirement Fund - Debt fund and belongs to HDFC Mutual Fund. It was launched on 25-Feb-2016 and currently has an AUM of ₹162.33 crore. HDFC Retirement Savings Fund - Hybrid-Debt Plan is benchmarked against Crisil 10 Yr Gilt Index as primary index and NIFTY 50 Hybrid Composite Debt 15:85 Index as secondary index.

The NAV of HDFC Retirement Savings Fund - Hybrid-Debt Plan ended down ₹-0.04(-0.16%)yesterday to ₹24.2727.

Among its top 3 holdings the fund has exposure to TREPS - Tri-party Repo, and

The HDFC Retirement Savings Fund - Hybrid-Debt Plan is managed by Arun Agarwal and Shobhit Mehrotra.

Fund House Contact

HDFC House, 2nd floor, H.T. Parekh Marg, 165-166 Backbay Reclamation, Churchgate Mumbai - 400 020

+91 (22) 66316333
cliser@hdfcindia.com
+91 (22) 22821144