Mutual Funds

HDFC Retirement Savings Fund-Hybrid-Debt Plan-Reg(G)
Other | Moderately High | Solution Oriented - Retirement Fund - Debt

21.84 +0.03
NAV(₹) as on 20/10/2025

0.14%
1D

4.10%
1Y

9.28%
3Y

8.57%
5Y

HDFC Retirement Savings Fund-Hybrid-Debt Plan-Reg(G)
Growth Chart of the Scheme

Scheme Details
Expense Ratio: 2.14	Launch Date: 25 Feb 2016
Exit Load: NIL - Upon completion of Lock-in Period	AUM: ₹ 160.22 Crs
Lock-in: 5 Year	Investing Style: Small Growth
Portfolio Price To Book Value: NA	Min. Investment: SIP : ₹ 100.0 Lumpsum : ₹ 100.0
Scheme Benchmark: NIFTY 50 Hybrid Composite Debt 15:85 Index
Fund Manager: Srinivasan Ramamurthy ,Shobhit Mehrotra ,Nandita Menezes

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.

LATEST ASSET & PORTFOLIO ALLOCATION		Others		Equity		Debt
as on 30/9/2025		16.05 %		37.93 %		46.03 %

TOP HOLDINGS

Tri-Party Repo (TREPS)

12.54 %

06.27% GOI - 17-Dec-2050

8.83 %

Tata Consultancy Services Ltd.

6.45 %

Larsen & Toubro Ltd.

6.44 %

Mahindra Rural Housing Finance Ltd. SR AA 8.35% (24-Sep-2032)

6.41 %

TMF Holdings Ltd. SR-E 07.7505%

6.24 %

6.19% GOI - 16-Sep-2034

6.04 %

Reliance Industries Ltd.

5.66 %

07.57% GOI - 17-Jun-2033

4.94 %

08.97% GOI - 05-Dec-2030

3.83 %

See All Holding

ALLOCATION BY MARKET CAP (Equity)

ALLOCATION BY RATING (Debt & Others)

ALLOCATION BY SECTOR

IT - Software

7.26 %

Engineering - Construction

6.83 %

Bank - Private

6.44 %

Refineries

5.94 %

Insurance

1.27 %

See All Sectors

PORTFOLIO CHARACTERISTICS (Debt)

Average Maturity

Modified Duration

Yield to Maturity

7.19 (in years)

4.32 (in years)

6.74 %

5 YEAR HISTORY

Financial Year	2020-21	2021-22	2022-23	2023-24	2024-25
NAV (31/3/2025)	15.37	16.42	17.23	19.53	20.95
Net Assets (Rs Crores)	11,595.67	14,697.78	14,309.43	15,620.83	15,891.72
Scheme Returns(%)(Absolute)	16.41	6.72	4.50	13.27	6.94
B'mark Returns(%)(Absolute)	NA	NA	NA	NA	NA
Category Rank	20/29	16/26	4/27	23/28	13/30

RISKOMETER
Level of Risk in the Scheme

Clients will understand that their principal will be at Moderately High risk.

PERFORMANCE COMPARISON WITH SIMILAR SCHEMES

Fund Details	Inception Date	Aum(₹ Crs)	1Y	3Y	5Y	Since Inception
Aditya Birla SL Retirement Fund-50 Plus-Debt Plan-Reg(G) Solution Oriented - Retirement Fund - Debt \| Moderate \| 13.33 +0.00	11/3/2019	₹ 17.09	5.37%	5.80%	3.91%	4.44%
ICICI Pru Retirement Fund-Pure Debt Plan(G) Solution Oriented - Retirement Fund - Debt \| Moderately High \| 15.26 +0.00	27/2/2019	₹ 98.13	6.47%	6.60%	5.16%	6.56%
Tata Retirement Sav Fund - Cons Plan(G) Solution Oriented - Retirement Fund - Debt \| Moderately High \| 32.07 +0.07	8/11/2011	₹ 173.68	3.70%	8.79%	7.50%	8.70%
Aditya Birla SL Retirement Fund-50-Reg(G) Solution Oriented - Retirement Fund - Debt \| Moderately High \| 14.81 +0.02	11/3/2019	₹ 26.37	5.39%	8.81%	5.72%	6.11%
SBI Retirement Benefit Fund-Conservative Plan-Reg(G) Solution Oriented - Retirement Fund - Debt \| Moderate \| 14.43 +0.01	10/2/2021	₹ 175.23	4.71%	8.86%	-	8.12%
HDFC Retirement Savings Fund-Hybrid-Debt Plan-Reg(G) Solution Oriented - Retirement Fund - Debt \| Moderately High \| 21.84 +0.03	25/2/2016	₹ 160.22	4.10%	9.28%	8.57%	8.43%
Nippon India Retirement Fund-Income Generation(G) Solution Oriented - Retirement Fund - Debt \| Moderately High \| 20.40 +0.01	11/2/2015	₹ 150.9	3.65%	9.33%	7.37%	6.89%
Axis Retirement Fund-Conservative Plan-Reg(G) Solution Oriented - Retirement Fund - Debt \| High \| 16.16 +0.06	20/12/2019	₹ 54.91	3.07%	9.81%	8.98%	8.57%
SBI Retirement Benefit Fund-Conservative Hybrid Plan-Reg(G) Solution Oriented - Retirement Fund - Debt \| High \| 15.71 +0.02	10/2/2021	₹ 283.26	3.05%	10.10%	-	10.11%
Franklin India Retirement Fund(G) Solution Oriented - Retirement Fund - Debt \| High \| 221.80 +0.32	30/4/1997	₹ 513.48	4.53%	11.02%	10.31%	11.46%