Mutual Funds

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

21.93 0.00
NAV(₹) as on 4/12/2025

-0.01%
1D

4.30%
1Y

8.42%
3Y

8.05%
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: ₹ 161.67 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 30/11/2025		16.31 %		41.02 %		42.67 %

TOP HOLDINGS

Tri-Party Repo (TREPS)

12.67 %

06.27% GOI - 17-Dec-2050

8.72 %

Larsen & Toubro Ltd.

7.10 %

Tata Consultancy Services Ltd.

6.95 %

Reliance Industries Ltd.

6.45 %

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

6.43 %

TMF Holdings Ltd. SR-E 07.7505%

6.19 %

6.19% GOI - 16-Sep-2034

6.03 %

07.57% GOI - 17-Jun-2033

4.91 %

08.97% GOI - 05-Dec-2030

3.78 %

See All Holding

ALLOCATION BY MARKET CAP (Equity)

ALLOCATION BY RATING (Debt & Others)

ALLOCATION BY SECTOR

IT - Software

7.82 %

Engineering - Construction

7.47 %

Bank - Private

6.84 %

Refineries

6.73 %

Insurance

1.34 %

See All Sectors

PORTFOLIO CHARACTERISTICS (Debt)

Average Maturity

Modified Duration

Yield to Maturity

7.16 (in years)

4.22 (in years)

6.62 %

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 \| 13.34 +0.00	11/3/2019	₹ 16.81	4.75%	5.31%	3.76%	4.37%
ICICI Pru Retirement Fund-Pure Debt Plan(G) Solution Oriented - Retirement Fund - Debt \| Moderately High \| 15.27 +0.00	27/2/2019	₹ 93.93	5.64%	6.30%	4.91%	6.45%
Nippon India Retirement Fund-Income Generation(G) Solution Oriented - Retirement Fund - Debt \| Moderately High \| 20.27 +-0.03	11/2/2015	₹ 150.14	2.39%	7.73%	6.51%	6.75%
Aditya Birla SL Retirement Fund-50-Reg(G) Solution Oriented - Retirement Fund - Debt \| Moderately High \| 14.81 +0.00	11/3/2019	₹ 26.61	4.72%	7.98%	5.58%	6.00%
SBI Retirement Benefit Fund-Conservative Plan-Reg(G) Solution Oriented - Retirement Fund - Debt \| Moderate \| 14.37 +0.00	10/2/2021	₹ 174.57	3.81%	8.04%	-	7.82%
Tata Retirement Sav Fund - Cons Plan(G) Solution Oriented - Retirement Fund - Debt \| Moderately High \| 31.96 +0.01	8/11/2011	₹ 174.34	3.03%	8.08%	6.86%	8.59%
HDFC Retirement Savings Fund-Hybrid-Debt Plan-Reg(G) Solution Oriented - Retirement Fund - Debt \| Moderately High \| 21.93 +0.00	25/2/2016	₹ 161.67	4.30%	8.42%	8.05%	8.36%
SBI Retirement Benefit Fund-Conservative Hybrid Plan-Reg(G) Solution Oriented - Retirement Fund - Debt \| High \| 15.68 +0.00	10/2/2021	₹ 287.43	2.79%	9.15%	-	9.80%
Axis Retirement Fund-Conservative Plan-Reg(G) Solution Oriented - Retirement Fund - Debt \| High \| 16.26 +0.04	20/12/2019	₹ 54.38	3.86%	9.34%	7.74%	8.49%
Franklin India Retirement Fund(G) Solution Oriented - Retirement Fund - Debt \| High \| 221.60 +0.08	30/4/1997	₹ 521.51	3.77%	9.68%	8.96%	11.40%