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OmniAsset › Mutual funds › HDFC Retirement Fund - Hybrid-Debt Plan

HDFC Retirement Fund - Hybrid-Debt Plan

Retirement fund benchmarked to NIFTY 50 Hybrid Composite Debt 15:85 Index. Every figure below is read from one dated snapshot; what the snapshot cannot prove is left out, never estimated.

Latest NAV2 Sep 202624.8305
CategoryRetirement
PlanDirect · Growth
Launched5 Feb 2016
Risk labelthe scheme's own riskometerModerately High
Legal benchmarkSEBI Tier-1NIFTY 50 Hybrid Composite Debt 15:85 Index
Expense ratiodirect plan, a year · stated maximum, from the scheme document1.35%
AUM₹39.8 Cr
Growth of ₹10,000₹14,2152 Sep 2021 to 2 Sep 2026
₹14,364₹13,256₹12,148₹11,040₹9,933Sep 2021Nov 2022Mar 2024Jun 2025Sep 2026
₹14,215 (+7.3% a year) HDFC Retirement Fund - Hybrid-Debt Plan

Performance (trailing, annualised)

1Y annualised2.48%
3Y annualised6.98%
5Y annualised7.29%
10Y annualised8.33%

Point-to-point from the fund's own published NAV; a period the history does not span is left out.

SIP returns

SIP 1Y (₹10,000 a month)invested ₹1,20,000 → worth ₹1,20,9531.47%
SIP 3Y (₹10,000 a month)invested ₹3,60,000 → worth ₹3,85,8844.56%
SIP 5Y (₹10,000 a month)invested ₹6,00,000 → worth ₹7,10,6646.70%

₹10,000 on the first of every month, valued at the latest NAV, as an annualised rate (XIRR).

Calendar years

Calendar 202110.04%
Calendar 20225.00%
Calendar 202312.43%
Calendar 202411.11%
Calendar 20256.35%

Rolling returns

Rolling 1Y · average489 windows since 27 Feb 20178.93%
Rolling 1Y · median8.77%
Rolling 1Y · worst window-0.34%
Rolling 1Y · best window19.22%
Rolling 1Y · windows positive100%
Rolling 3Y · average386 windows since 5 Mar 20198.99%
Rolling 3Y · median9.36%
Rolling 3Y · worst window5.22%
Rolling 3Y · best window11.97%
Rolling 3Y · windows positive100%
Rolling 5Y · average283 windows since 3 Mar 20219.09%
Rolling 5Y · median9.27%
Rolling 5Y · worst window7.03%
Rolling 5Y · best window11.31%
Rolling 5Y · windows positive100%

Every window of that length in the published history, so one lucky start date cannot flatter the fund.

Risk

Volatility (3Y)3.57%
Downside deviation (3Y)2.45%
Maximum drawdown-4.03%

Management

Fund managerAnupam Joshi, Mr. Arun Agarwal, Ms. Nandita Menezes, Mr.Srinivasan Ramamurthy, Mr. Dhruv Muchhal
Managing since3 Sep 2026

What it holds

SecurityWeight
CENTRAL GOVERNMENT LOAN 29633 GOI 17DC50 6.67 FV RS 1009.3%
ICICI Bank Ltd7.8%
Larsen & Toubro Ltd7.8%
MAHINDRA RURAL HOUSING FINANCE LIMITED SR AA 8.35 NCD 24SP32 FVRS10LAC6.8%
GOVERNMENT OF INDIA 36574 GOI 06OT35 6.48 FV RS 1006.6%
CENTRAL GOVERNMENT LOAN 23202 GOI 16SP34 6.19 FV RS 1006.5%
Reliance Industries Ltd5.7%
CENTRAL GOVERNMENT LOAN 21658 GOI 17JU33 7.57 FV RS 1005.2%
GOI Sec 8.97 05/12/20304.0%
CENTRAL GOVERNMENT LOAN 04010 GOI 10AG34 7.5 FV RS 1003.5%
SectorWeight
Entities35.2%
Financial24.8%
Industrials10.4%
Energy & Utilities6.9%
Technology2.6%

Portfolio disclosed: 85.2% by weight.

Related

Source: the OmniAsset signed reference snapshot, as of 4 Sep 2026. Figures are deterministic; missing data is withheld, never estimated. See methodology and data sources. Not investment advice.

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