Mutual Funds

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

21.43 -0.03
NAV(₹) as on 29/8/2025

-0.15%
1D

2.80%
1Y

8.62%
3Y

8.54%
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: ₹ 162.33 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 31/7/2025		16.16 %		37.27 %		46.57 %

TOP HOLDINGS

Tri-Party Repo (TREPS)

12.60 %

06.27% GOI - 17-Dec-2050

8.91 %

Larsen & Toubro Ltd.

6.43 %

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

6.36 %

Tata Consultancy Services Ltd.

6.32 %

TMF Holdings Ltd. SR-E 07.7505%

6.16 %

6.19% GOI - 16-Sep-2034

6.06 %

Reliance Industries Ltd.

5.70 %

07.57% GOI - 17-Jun-2033

4.94 %

08.97% GOI - 05-Dec-2030

3.81 %

See All Holding

ALLOCATION BY MARKET CAP (Equity)

ALLOCATION BY RATING (Debt & Others)

ALLOCATION BY SECTOR

IT - Software

7.16 %

Engineering - Construction

6.78 %

Bank - Private

6.71 %

Refineries

5.95 %

Insurance

1.28 %

See All Sectors

PORTFOLIO CHARACTERISTICS (Debt)

Average Maturity

Modified Duration

Yield to Maturity

7.32 (in years)

4.41 (in years)

6.60 %

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 \| 13.18 +-0.02	11/3/2019	₹ 17.43	5.16%	5.24%	4.05%	4.35%
ICICI Pru Retirement Fund-Pure Debt Plan(G) Solution Oriented - Retirement Fund - Debt \| Moderate \| 15.07 +-0.03	27/2/2019	₹ 101.88	6.21%	6.27%	5.32%	6.50%
Tata Retirement Sav Fund - Cons Plan(G) Solution Oriented - Retirement Fund - Debt \| Moderately High \| 31.35 +-0.06	8/11/2011	₹ 177.52	1.97%	8.04%	7.47%	8.61%
Aditya Birla SL Retirement Fund-50-Reg(G) Solution Oriented - Retirement Fund - Debt \| Moderately High \| 14.47 +-0.02	11/3/2019	₹ 26.28	4.11%	8.14%	5.56%	5.88%
Axis Retirement Fund-Conservative Plan-Reg(G) Solution Oriented - Retirement Fund - Debt \| High \| 15.64 +-0.08	20/12/2019	₹ 56.24	0.03%	8.29%	8.50%	8.16%
SBI Retirement Benefit Fund-Conservative Plan-Reg(G) Solution Oriented - Retirement Fund - Debt \| Moderate \| 14.13 +-0.03	10/2/2021	₹ 176.7	3.56%	8.39%	-	7.89%
Nippon India Retirement Fund-Income Generation(G) Solution Oriented - Retirement Fund - Debt \| Moderately High \| 19.90 +-0.07	11/2/2015	₹ 154.35	1.97%	8.45%	7.04%	6.74%
HDFC Retirement Savings Fund-Hybrid-Debt Plan-Reg(G) Solution Oriented - Retirement Fund - Debt \| Moderately High \| 21.43 +-0.03	25/2/2016	₹ 162.33	2.80%	8.62%	8.54%	8.34%
SBI Retirement Benefit Fund-Conservative Hybrid Plan-Reg(G) Solution Oriented - Retirement Fund - Debt \| High \| 15.33 +-0.03	10/2/2021	₹ 284.2	1.03%	9.58%	-	9.84%
ICICI Pru Retirement Fund-Hybrid Cons Plan(G) Solution Oriented - Retirement Fund - Debt \| Moderately High \| 17.20 +-0.06	27/2/2019	₹ 82.49	5.00%	10.25%	8.67%	8.69%