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

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NAV
₹ 21.539 ₹ 0.05 (0.24 %)
as on 20-06-2025
Asset Size (AUM)
162.73 Cr
Launch Date
Feb 05, 2016
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.
Minimum Investment 100.0
Minimum Top-up 100.0
Investment Returns Since Launch in Feb 05, 2016
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8.56

%
3 M
6 M
1 Y
3 Y
10 Y
Inception
Sharp Ratio
1.06 %
Expense Ratio
2.14%
Volatility
3.15 %
Fund House
HDFC Mutual Fund
Fund Manager
FM 1 - Mr.Srinivasan Ramamurthy, FM 2 - Mr.Shobhit Mehrotra, FM 3 - Ms. Nandita Menezes, FM 4 - Mr. Arun Agarwal , FM 5 - Mr. Dhruv Muchhal
Key Features
Scheme description
This fund has moderate ups and downs compared to other equity funds but can give good returns in the very long run. Investment in this fund can be made for a horizon of at least 7 years or more for retirement planning purposes only.
Minimum Purchase Application Amount
Rs. 100.0 (plus in multiples of Rs. 100.0)

Entry Load
Not applicable
Exit Load
NIL
Indicative Investment Horizon
5 Years and above
Asset Allocation
Fund's historical return comparison with other asset classes
Created with Highcharts 4.1.4AssetsDebtCash & Cash EquivalentsEquityDerivatives
Fund Performance
Fund's historical return comparison with other asset classes
Created with Highcharts 4.1.4FundFD
Fund₹ 10646
FD₹ 10600
Performance

Scheme Performance (%)

Data as on - 20-06-2025
Created with Highcharts 4.1.4ReturnsHDFC Retirement Savings Fund - Hybrid-Debt Plan - Growth OptionAK Hybrid Conservative TRIRetirement FundYTD1 Month3 Month6 Month1 Year3 Years5 Years10 YearsSince Launch-505101520

Yearly Performance (%)

Created with Highcharts 4.1.4ValuesHDFC Retirement Savings Fund - Hybrid-Debt Plan - Growth OptionAK Hybrid Conservative TRIRetirement Fund2016201720182019202020212022202320242025-505101520253035
Investment Returns Calculator
Amount InvestedFund ValueProfitReturns
Fund120,000123,2213,2215.94
Benchmark0000.00
Rolling returns are the annualized returns of the scheme taken for a specified period (rolling returns period) on every day/week/month and taken till the last day of the duration. In this chart we are showing the annualized returns over the rolling returns period on every day from the start date and comparing it with the benchmark. Rolling returns is the best measure of a fund's performance. Trailing returns have a recency bias and point to point returns are specific to the period in consideration. Rolling returns, on the other hand, measures the fund's absolute and relative performance across all timescales, without bias.
Peer Comparison
Scheme Name Inception Date 1 Year Return % 2 Year Return % 3 Year Return % 5 Year Return % 10 Year Return %
HDFC Retirement Savings Fund - Hybrid-Debt Plan - Growth Option 05-02-2016 6.46 9.54 10.56 9.38 0.0
PGIM India Retirement Fund - Regular Plan - Growth Option 15-04-2024 8.64 0.0 0.0 0.0 0.0
Aditya Birla Sun Life Retirement Fund-The 40s Plan-Regular Plan-Growth 01-03-2019 8.37 17.37 17.26 13.92 0.0
UTI Retirement Fund - Regular Plan 26-12-1994 8.03 14.22 14.78 14.83 9.68
ICICI Prudential Retirement Fund - Pure Equity - Growth Option 01-02-2019 7.96 29.47 28.13 29.47 0.0
Portfolio Analysis
Portfolio as on 31-05-2025
Sector Allocation
SectorAllocation (%)
N/A60.65
Financial Services8.82
Information Technology7.88
Construction6.83
Oil, Gas & Consumable Fuels6.59
Capital Goods1.89
Fast Moving Consumer Goods1.5
Automobile and Auto Components1.34
Services1.21
Telecommunication0.91
Chemicals0.68
Healthcare0.46
Power0.45
Consumer Durables0.37
Textiles0.26
Media, Entertainment & Publication0.12
Consumer Services0.04
Portfolio Holdings
CompanyHoldings (%)
TREPS - Tri-party Repo9.56
6.67% GOI MAT 1712509.15
TATA CONSULTANCY SERVICES LIMITED EQ NEW FV RE.1/-7.02
Tata Consultancy Services Ltd.6.54
LARSEN AND TOUBRO LIMITED EQ NEW FV RS.2/-6.48
Mahindra Rural Housing Finance Ltd6.36
TMF Holdings Ltd. (Perpetual)6.13
6.19% GOI MAT 1609346.1
RELIANCE INDUSTRIES LIMITED EQ5.81
Larsen and Toubro Ltd.5.66
7.57% GOI MAT 1706334.99
Reliance Industries Ltd.4.79
Net Current Assets4.12
8.97% GOI MAT 0512303.85
7.5% GOI MAT 1008343.33
Indian Railways Finance Corp. Ltd.3.25
HDFC Bank Ltd.3.05
ICICI BANK LIMITED EQ NEW FV RS. 2/-2.67
HDFC BANK LIMITED EQ NEW FV RE. 1/-2.62
STATE BANK OF INDIA EQ NEW RE. 1/-0.97
AXIS BANK LIMITED EQ NE FV RS. 2/-0.95
BHARTI AIRTEL LIMITED EQ NEW FV RS 5/-0.91
INFOSYS LIMITED EQ FV RS 50.86
ITC LIMITED EQ NEW FV RE.1/-0.77
MARUTI SUZUKI INDIA LIMITED EQ0.76
ICICI LOMBARD GEN INSURANCE CO LTD EQ0.69
TRANSPORT CORPORATION OF INDIA LTD. NEW EQ RS. 2/-0.69
Power Finance Corporation Ltd.0.66
SBI LIFE INSURANCE COMPANY LIMITED EQ0.56
VESUVIUS INDIA LIMITED EQ0.55
Hindustan Aeronautics Ltd0.46
POWER GRID CORPORATION OF INDIA LIMITED EQ0.45
GUJARAT STATE PETRONET LTD EQ0.4
BAYER CROPSCIENCE LIMITED EQ FV RS. 10/-0.38
HINDUSTAN PETROLEUM CORPORATION LIMITED EQ0.38
SYMPHONY LIMITED EQ NEW F.V. RS. 2/-0.37
UNITED SPIRITS LIMITED EQ NEW FV RS. 2/-0.37
VOLTAMP TRANSFORMERS LIMITED EQ0.36
BALRAMPUR CHINI MILLS LIMITED EQ NEW FV 1/-0.36
CITY UNION BANK LIMITED EQ NEW RS. 1/-0.36
KALPATARU POWER TRANSMISSION LTD EQ NEW F.V RS.2/-0.35
ALEMBIC PHARMACEUTICALS LIMITED EQ0.31
FINOLEX CABLES LIMITED NEW EQ RS. 2/-0.3
GUJARAT PIPAVAV PORT LIMITED EQ0.29
LUMAX INDUSTRIES LIMITED EQ0.27
VARDHMAN TEXTILES LIMITED EQ NEW FV RS.2/-0.26
GATEWAY DISTRIPARKS LIMITED EQ0.23
GOODYEAR INDIA LIMITED EQ0.23
INSECTICIDES (INDIA) LIMITED EQ0.22
THE ANUP ENGINEERING LIMITED EQ0.22
Dr. Reddys Laboratories Ltd0.15
PVR LIMITED EQ0.12
7.54% GOI MAT 2305360.1
Popular Vehicles and Services Limited0.08
OCCL Limited0.08
ITC Hotels Ltd.0.04
Sector Allocation
Created with Highcharts 4.1.4Financial ServicesInformation TechnologyConstructionOil, Gas & Consumable FuelsCapital GoodsFast Moving Consumer GoodsAutomobile and Auto ComponentsServicesTelecommunicationOthers
Portfolio Holdings
Created with Highcharts 4.1.4TREPS - Tri-party Repo6.67% GOI MAT 171250TATA CONSULTANCY SERVICES LIMITED EQ NEW FV RE.1/-Tata Consultancy Services Ltd.LARSEN AND TOUBRO LIMITED EQ NEW FV RS.2/-Mahindra Rural Housing Finance LtdTMF Holdings Ltd. (Perpetual)6.19% GOI MAT 160934RELIANCE INDUSTRIES LIMITED EQOthers