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HDFC Retirement Savings Fund - Hybrid Debt Plan Direct-growth
Hybrid
Large Cap
Moderately High Risk
Latest AUM
₹ 153.9 Cr.
NAV as on 27 jul, 2026
₹ 24.92
+20.58%
3 years annulised
This Fund
Fund Details
Fund Names
HDFC Retirement Savings Fund - Hybrid Debt Plan Direct-growth
Inception Date
26 Feb 2016
Lock In
1825
SIP Minimum Investment amount
₹100
SWP Minimum Investment amount
₹500
STP Minimum Investment amount
₹500
Risk
Principal at moderately high risk
Category Average Annual Returns
5.63
Portfolio Composition Analysis
Equity
22.44%
Debt
45.46%
Cash
32.10%
Portfolio Updated on: 06 Jul, 2026
Sector Allocations
Equity
Debt
Financial
Industrials
Technology
Energy & Utilities
Consumer Discretionary
Healthcare
Materials
Consumer Staples
Portfolio Updated on: 27 jul, 2026
Top 10 Holdings
| Name | Sector | Instruments | Assets |
|---|---|---|---|
| CENTRAL GOVERNMENT LOAN 29633 GOI 17DC50 6.67 FV RS 100 | Entities | GOI Securities | 8.83% |
| CENTRAL GOVERNMENT LOAN 29633 GOI 17DC50 6.67 FV RS 100 | Entities | GOI Securities | 8.72% |
| CENTRAL GOVERNMENT LOAN 29633 GOI 17DC50 6.67 FV RS 100 | Entities | GOI Securities | 8.72% |
| CENTRAL GOVERNMENT LOAN 29633 GOI 17DC50 6.67 FV RS 100 | Entities | GOI Securities | 8.80% |
| CENTRAL GOVERNMENT LOAN 29633 GOI 17DC50 6.67 FV RS 100 | Entities | GOI Securities | 8.66% |
| CENTRAL GOVERNMENT LOAN 29633 GOI 17DC50 6.67 FV RS 100 | Entities | GOI Securities | 1.00% |
| CENTRAL GOVERNMENT LOAN 29633 GOI 17DC50 6.67 FV RS 100 | Entities | GOI Securities | 8.65% |
| CENTRAL GOVERNMENT LOAN 29633 GOI 17DC50 6.67 FV RS 100 | Entities | GOI Securities | 8.66% |
| CENTRAL GOVERNMENT LOAN 29633 GOI 17DC50 6.67 FV RS 100 | Entities | GOI Securities | 1.00% |
| CENTRAL GOVERNMENT LOAN 29633 GOI 17DC50 6.67 FV RS 100 | Entities | GOI Securities | 1.00% |
Debt & Credit Risk Analysis
| Sharpe Ratio | 0.45% |
| Standard Deviation | 4.29% |
Returns Analysis
| Tenure | Absolute | Annualised | Category Average |
|---|---|---|---|
| 3 Months | 1.49% | NA | 0.55% |
| 6 Months | 1.20% | NA | 5.55% |
| 9 Months | 0.77% | NA | 5.02% |
| 1 Year | 2.04% | 2.04% | 5.63% |
| 2 Years | 8.37% | 4.10% | 10.55% |
| 3 Years | 23.50% | 7.29% | 10.07% |
| 5 Years | 44.03% | 7.57% | 10.06% |
| 7 Years | 78.27% | 8.61% | NA |
| 10 Years | 128.19% | 8.60% | 8.75% |
HDFC Retirement Savings Fund - Hybrid Debt Plan Direct-growth is one Hybrid mutual fund offered by HDFC Mutual Fund. Launched on 26 Feb 2016, the fund aims a corpus to provide for pension in the form of income to the extent of the redemption value of their holding after the age of 60 years.investment predominantly in debt and money market instruments & balance in equity and equity related instruments. It manages assets worth ₹153.9 crore as on Tue Mar 31, 2026. The expense ratio stands at 1.13%.
Arun Agarwal has experience Prior to joining HDFC Asset Management Company Limited, he has worked with SBI Funds Management Pvt. Ltd., ICICI Bank Limited, UTI Asset Management Pvt. Ltd.
Nandita Menezes has experience Prior to joining HDFC AMC, she was associated with S.V. Ghatalia & Associates LLP.
Dhruv Muchhal has experience Prior to joining HDFC MF,he has worked with Motilal Oswal Financial Services Ltd., Goldman Sachs, CRISIL Global Research & Analytics and Deloitte Haskins & Sells
Srinivasan Ramamurthy has experience Prior to joining HDFC Asset Management Company Limited, he has worked with Mahindra Mutual Fund, IDBI Federal Life Insurance, IIFL Capital Limited, Maybank Kim Eng, Credit Suisse and KPMG Advisory.
Shobhit Mehrotra has experience Prior to joining HDFC AMC he has worked with Franklin Templeton AMC, and ICRA.
Top Performing Mutual Funds
| Fund name | |||||||
|---|---|---|---|---|---|---|---|
| SBI Children's Fund - Savings Plan Direct-growth | 131.7 | +1.30% | +5.04% | +8.22% | +7.98% | +12.30% | +10.67% |
| SBI Children's Fund - Savings Plan Direct-growth | 131.7 | +1.30% | +5.04% | +8.22% | +7.98% | +12.30% | +10.67% |
| SBI Children's Fund - Savings Plan Regular-growth | 131.7 | +1.27% | +4.95% | +8.02% | +7.57% | +11.90% | +10.26% |
| Bank Of India Conservative Hybrid Fund Direct-growth | 64.4 | +0.44% | +0.86% | +3.26% | +3.74% | +7.11% | +10.23% |
| Bank Of India Conservative Hybrid Fund Direct-growth | 64.4 | +0.44% | +0.86% | +3.26% | +3.74% | +7.11% | +10.23% |
| Bank Of India Conservative Hybrid Fund Direct-growth | 64.4 | +0.44% | +0.86% | +3.26% | +3.74% | +7.11% | +10.23% |
| Bank Of India Conservative Hybrid Fund Direct-growth | 64.4 | +0.44% | +0.86% | +3.26% | +3.74% | +7.11% | +10.23% |
| Bank Of India Conservative Hybrid Fund Direct-growth | 64.4 | +0.44% | +0.86% | +3.26% | +3.74% | +7.11% | +10.23% |
| Bank Of India Conservative Hybrid Fund Direct-growth | 64.4 | +0.44% | +0.86% | +3.26% | +3.74% | +7.11% | +10.23% |
| Bank Of India Conservative Hybrid Fund Direct-growth | 64.4 | +0.44% | +0.86% | +3.26% | +3.74% | +7.11% | +10.23% |
growth is based on 1-month returns of the funds & Top fund are based on 3Y Returns
More Funds from HDFC Mutual Fund
| Fund name | |||||||
|---|---|---|---|---|---|---|---|
| HDFC Hybrid Debt Fund Regular-growth | 3,198.3 | +0.19% | +1.54% | +1.58% | +2.12% | +7.55% | +7.98% |
| HDFC Hybrid Debt Fund Direct-growth | 3,198.3 | +0.23% | +1.67% | +1.85% | +2.68% | +8.14% | +8.54% |
| HDFC Hybrid Debt Fund Regular-idcw Monthly | 3,198.3 | +0.19% | +1.54% | +1.58% | +2.12% | +7.55% | +7.98% |
| HDFC Hybrid Debt Fund Direct-idcw Monthly | 3,198.3 | +0.23% | +1.67% | +1.85% | +2.68% | +8.14% | +8.54% |
| HDFC Hybrid Debt Fund Regular-idcw Quarterly | 3,198.3 | +0.19% | +1.54% | +1.58% | +2.12% | +7.55% | +7.98% |
| HDFC Hybrid Debt Fund Direct-idcw Quarterly | 3,198.3 | +0.23% | +1.67% | +1.85% | +2.68% | +8.14% | +8.54% |
| HDFC Retirement Savings Fund - Hybrid Debt Plan Regular-growth | 153.9 | +0.18% | +1.24% | +0.68% | +0.96% | +6.11% | +6.34% |
growth is based on 1-month returns of the funds
Top Mutual Funds
| Fund name | |||||||
|---|---|---|---|---|---|---|---|
| SBI Conservative Hybrid Fund Direct-growth | 9,545.7 | +0.32% | +2.02% | +4.29% | +5.47% | +9.00% | +9.13% |
| SBI Conservative Hybrid Fund Direct-growth | 9,545.7 | +0.32% | +2.02% | +4.29% | +5.47% | +9.00% | +9.13% |
| SBI Conservative Hybrid Fund-growth | 9,545.7 | +0.28% | +1.91% | +4.05% | +4.97% | +8.47% | +8.58% |
| SBI Conservative Hybrid Fund Direct-idcw Monthly | 9,545.7 | +0.32% | +2.02% | +4.29% | +5.47% | +9.00% | +9.13% |
| SBI Conservative Hybrid Fund-idcw Monthly | 9,545.7 | +0.28% | +1.91% | +4.05% | +4.97% | +8.47% | +8.58% |
| SBI Conservative Hybrid Fund Direct-idcw Monthly | 9,545.7 | +0.32% | +2.02% | +4.29% | +5.47% | +9.00% | +9.13% |
| SBI Conservative Hybrid Fund Direct-idcw Quarterly | 9,545.7 | +0.32% | +2.02% | +4.29% | +5.47% | +9.00% | +9.13% |
| SBI Conservative Hybrid Fund Direct-idcw Quarterly | 9,545.7 | +0.32% | +2.02% | +4.29% | +5.47% | +9.00% | +9.13% |
| SBI Conservative Hybrid Fund-idcw Quarterly | 9,545.7 | +0.28% | +1.91% | +4.05% | +4.97% | +8.47% | +8.58% |
| SBI Conservative Hybrid Fund Direct-idcw Yearly | 9,545.7 | +0.32% | +2.02% | +4.29% | +5.47% | +9.00% | +9.13% |
Top funds are based on Fund AUM
Top Hybrid Funds
| Fund name | ||||
|---|---|---|---|---|
| Sbi Children's Fund - Savings Plan Direct-growth | ₹129.81 | +12.30% | +10.67% | — |
| Sbi Children's Fund - Savings Plan Direct-growth | ₹129.81 | +12.30% | +10.67% | — |
| Sbi Children's Fund - Savings Plan Regular-growth | ₹118.63 | +11.90% | +10.26% | — |
| Bank Of India Conservative Hybrid Fund Direct-growth | ₹38.01 | +7.11% | +10.23% | — |
| Bank Of India Conservative Hybrid Fund Direct-growth | ₹38.01 | +7.11% | +10.23% | — |
| Bank Of India Conservative Hybrid Fund Direct-growth | ₹38.01 | +7.11% | +10.23% | — |
| Bank Of India Conservative Hybrid Fund Direct-growth | ₹38.01 | +7.11% | +10.23% | — |
| Bank Of India Conservative Hybrid Fund Direct-growth | ₹38.01 | +7.11% | +10.23% | — |
| Bank Of India Conservative Hybrid Fund Direct-growth | ₹38.01 | +7.11% | +10.23% | — |
| Bank Of India Conservative Hybrid Fund Direct-growth | ₹38.01 | +7.11% | +10.23% | — |
growth is based on 5Y returns of the funds
Historical NAV
| Date | NAV |
|---|---|
| 27 Jul 2026 | ₹24.92 |
| 24 Jul 2026 | ₹24.83 |
| 23 Jul 2026 | ₹24.80 |
| 22 Jul 2026 | ₹24.84 |
| 21 Jul 2026 | ₹24.93 |
| 20 Jul 2026 | ₹24.94 |
| 17 Jul 2026 | ₹24.96 |
| 16 Jul 2026 | ₹24.95 |
| 15 Jul 2026 | ₹24.95 |
| 14 Jul 2026 | ₹24.92 |
| 13 Jul 2026 | ₹24.98 |
| 10 Jul 2026 | ₹24.98 |
| 09 Jul 2026 | ₹24.88 |
| 08 Jul 2026 | ₹24.86 |
| 07 Jul 2026 | ₹25.01 |
| 06 Jul 2026 | ₹25.01 |
| 03 Jul 2026 | ₹24.95 |
| 02 Jul 2026 | ₹24.94 |
| 01 Jul 2026 | ₹24.87 |
| 30 Jun 2026 | ₹24.83 |
| 29 Jun 2026 | ₹24.82 |
| 25 Jun 2026 | ₹24.85 |
| 24 Jun 2026 | ₹24.83 |
| 23 Jun 2026 | ₹24.75 |
| 22 Jun 2026 | ₹24.79 |
| 19 Jun 2026 | ₹24.72 |
| 18 Jun 2026 | ₹24.75 |
| 17 Jun 2026 | ₹24.71 |
| 15 Jun 2026 | ₹24.64 |
| 12 Jun 2026 | ₹24.55 |
Portfolio Updated on: 28 Jul, 2026
Fund Growth & Size Analysis
+₹153.9 Cr
Since Launch
This Fund
Category Average
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HDFC Retirement Savings Fund - Hybrid Debt Plan Direct-growth Returns Comparison
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HDFC Retirement Savings Fund - Hybrid Debt Plan Direct-growth FAQ'S
- Sharpe Ratio: 0.45%
- Standard Deviation: 4.29%
As of Tue Mar 31, 2026, the total assets managed under HDFC Retirement Savings Fund - Hybrid Debt Plan Direct-growth stand at approximately ₹ 153.9 crore.
The HDFC Retirement Savings Fund - Hybrid Debt Plan Direct-growth has delivered the following short-term performance:
- 3 Months Return: 1.49%
- 6 Months Return: 1.20%
The historical growth of the HDFC Retirement Savings Fund - Hybrid Debt Plan Direct-growth is reflected through its CAGR returns:
- 3 Year CAGR: 7.29%
- 5 Year CAGR: 7.57%
- Return Since Launch: 9.16%
The portfolio of HDFC Retirement Savings Fund - Hybrid Debt Plan Direct-growth is distributed across different asset classes as follows:
- Equity: 22.44%
- Debt Instruments: 45.46%
- Other Assets: 32.10%
The HDFC Retirement Savings Fund - Hybrid Debt Plan Direct-growth is managed by Shobhit Mehrotra, representing HDFC Mutual Fund.
The HDFC Retirement Savings Fund - Hybrid Debt Plan Direct-growth investments are allocated across market caps in the following manner:
- Large Cap Stocks: 1.00%
- Mid Cap Stocks: 1.00%
- Small Cap Stocks: 1.00%
Top stock holdings of HDFC Retirement Savings Fund - Hybrid Debt Plan Direct-growth include:
- CENTRAL GOVERNMENT LOAN 29633 GOI 17DC50 6.67 FV RS 100 – represents 8.83% of the portfolio
- CENTRAL GOVERNMENT LOAN 29633 GOI 17DC50 6.67 FV RS 100 – represents 8.72% of the portfolio
- CENTRAL GOVERNMENT LOAN 29633 GOI 17DC50 6.67 FV RS 100 – represents 8.72% of the portfolio
- CENTRAL GOVERNMENT LOAN 29633 GOI 17DC50 6.67 FV RS 100 – represents 8.80% of the portfolio
- CENTRAL GOVERNMENT LOAN 29633 GOI 17DC50 6.67 FV RS 100 – represents 8.66% of the portfolio
- CENTRAL GOVERNMENT LOAN 29633 GOI 17DC50 6.67 FV RS 100 – represents 1.00% of the portfolio
- CENTRAL GOVERNMENT LOAN 29633 GOI 17DC50 6.67 FV RS 100 – represents 8.65% of the portfolio
- CENTRAL GOVERNMENT LOAN 29633 GOI 17DC50 6.67 FV RS 100 – represents 8.66% of the portfolio
- CENTRAL GOVERNMENT LOAN 29633 GOI 17DC50 6.67 FV RS 100 – represents 1.00% of the portfolio
- CENTRAL GOVERNMENT LOAN 29633 GOI 17DC50 6.67 FV RS 100 – represents 1.00% of the portfolio
Major sector exposures in HDFC Retirement Savings Fund - Hybrid Debt Plan Direct-growth are:
- Entities – accounts for 260.63% of the portfolio
- Financial – accounts for 216.25% of the portfolio
- Industrials – accounts for 95.90% of the portfolio
- Technology – accounts for 84.56% of the portfolio
- Energy & Utilities – accounts for 72.39% of the portfolio
