Mutual Funds

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

21.84 -0.07
NAV(₹) as on 2/3/2026

-0.33%
1D

6.88%
1Y

8.50%
3Y

7.32%
5Y

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

Scheme Details
Expense Ratio: 2.16	Launch Date: 25 Feb 2016
Exit Load: NIL - Upon completion of Lock-in Period	AUM: ₹ 159.98 Crs
Lock-in: 5 Year	Investing Style: Small Growth
Portfolio Price To Book Value: NA	Min. Investment: SIP : ₹ 100.00 Lumpsum : ₹ 100.00
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 31/1/2026		16.39 %		41.05 %		42.56 %

TOP HOLDINGS

Tri-Party Repo (TREPS)

13.18 %

06.27% GOI - 17-Dec-2050

8.66 %

Tata Consultancy Services Ltd.

6.99 %

Larsen & Toubro Ltd.

6.93 %

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

6.43 %

06.48% GOI 06-Oct-2035

6.16 %

6.19% GOI - 16-Sep-2034

6.02 %

Reliance Industries Ltd.

5.80 %

07.57% GOI - 17-Jun-2033

4.91 %

08.97% GOI - 05-Dec-2030

3.79 %

See All Holding

ALLOCATION BY MARKET CAP (Equity)

ALLOCATION BY RATING (Debt & Others)

ALLOCATION BY SECTOR

IT - Software

8.42 %

Engineering - Construction

7.29 %

Bank - Private

6.76 %

Refineries

6.07 %

Bank - Public

1.31 %

See All Sectors

PORTFOLIO CHARACTERISTICS (Debt)

Average Maturity

Modified Duration

Yield to Maturity

7.98 (in years)

4.88 (in years)

6.62 %

5 YEAR HISTORY

Financial Year	2021-22	2022-23	2023-24	2024-25	2025-26
NAV (2/3/2026)	16.42	17.23	19.53	20.95	21.84
Net Assets (Rs Crores)	14,697.78	14,309.43	15,620.83	15,891.72	15,998.43
Scheme Returns(%)(Absolute)	6.72	4.50	13.27	6.94	4.02
B'mark Returns(%)(Absolute)	NA	NA	NA	NA	NA
Category Rank	16/26	4/27	23/28	13/30	23/30

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 \| 13.44 +0.00	11/3/2019	₹ 16.42	4.63%	5.45%	4.26%	4.33%
ICICI Pru Retirement Fund-Pure Debt Plan(G) Solution Oriented - Retirement Fund - Debt \| Moderately High \| 15.41 +0.00	27/2/2019	₹ 87.46	5.41%	6.35%	5.22%	6.36%
Nippon India Retirement Fund-Income Generation(G) Solution Oriented - Retirement Fund - Debt \| Moderately High \| 20.13 +-0.09	11/2/2015	₹ 145.45	4.49%	8.00%	6.18%	6.53%
SBI Retirement Benefit Fund-Conservative Plan-Reg(G) Solution Oriented - Retirement Fund - Debt \| Moderate \| 14.37 +-0.05	10/2/2021	₹ 172.01	6.29%	8.16%	7.47%	7.43%
Tata Retirement Sav Fund - Cons Plan(G) Solution Oriented - Retirement Fund - Debt \| Moderately High \| 31.62 +-0.10	8/11/2011	₹ 170.32	6.76%	8.30%	6.14%	8.36%
HDFC Retirement Savings Fund-Hybrid-Debt Plan-Reg(G) Solution Oriented - Retirement Fund - Debt \| Moderately High \| 21.84 +-0.07	25/2/2016	₹ 159.98	6.88%	8.50%	7.32%	8.10%
Aditya Birla SL Retirement Fund-50-Reg(G) Solution Oriented - Retirement Fund - Debt \| Moderately High \| 14.91 +-0.04	11/3/2019	₹ 26.34	8.72%	8.75%	5.95%	5.89%
SBI Retirement Benefit Fund-Conservative Hybrid Plan-Reg(G) Solution Oriented - Retirement Fund - Debt \| High \| 15.50 +-0.10	10/2/2021	₹ 280.02	7.26%	9.28%	9.07%	9.05%
Axis Retirement Fund-Conservative Plan-Reg(G) Solution Oriented - Retirement Fund - Debt \| High \| 16.06 +-0.09	20/12/2019	₹ 50.6	8.01%	9.81%	6.54%	7.94%
Franklin India Retirement Fund(G) Solution Oriented - Retirement Fund - Debt \| High \| 218.16 +-1.01	30/4/1997	₹ 509.23	7.22%	10.24%	7.85%	11.24%