Mutual Funds

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

21.74 -0.06
NAV(₹) as on 2/2/2026

-0.28%
1D

4.62%
1Y

8.23%
3Y

7.35%
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: ₹ 161.49 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		Debt		Equity
as on 31/12/2025		21.84 %		36.32 %		41.84 %

TOP HOLDINGS

Tri-Party Repo (TREPS)

19.33 %

06.27% GOI - 17-Dec-2050

8.66 %

Larsen & Toubro Ltd.

7.13 %

Tata Consultancy Services Ltd.

7.11 %

Reliance Industries Ltd.

6.47 %

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

6.41 %

6.19% GOI - 16-Sep-2034

6.00 %

07.57% GOI - 17-Jun-2033

4.89 %

08.97% GOI - 05-Dec-2030

3.78 %

07.50% GOI 10-Aug-2034

3.26 %

See All Holding

ALLOCATION BY MARKET CAP (Equity)

ALLOCATION BY RATING (Debt & Others)

ALLOCATION BY SECTOR

IT - Software

8.54 %

Engineering - Construction

7.50 %

Refineries

6.78 %

Bank - Private

6.75 %

Insurance

1.36 %

See All Sectors

PORTFOLIO CHARACTERISTICS (Debt)

Average Maturity

Modified Duration

Yield to Maturity

7.04 (in years)

4.23 (in years)

6.43 %

5 YEAR HISTORY

Financial Year	2021-22	2022-23	2023-24	2024-25	2025-26
NAV (30/1/2026)	16.42	17.23	19.53	20.95	21.80
Net Assets (Rs Crores)	14,697.78	14,309.43	15,620.83	15,891.72	16,149.03
Scheme Returns(%)(Absolute)	6.72	4.50	13.27	6.94	3.87
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 \| 13.35 +-0.02	11/3/2019	₹ 16.75	4.16%	5.11%	4.02%	4.28%
ICICI Pru Retirement Fund-Pure Debt Plan(G) Solution Oriented - Retirement Fund - Debt \| Moderately High \| 15.28 +-0.03	27/2/2019	₹ 91.0	4.94%	6.12%	5.04%	6.31%
Nippon India Retirement Fund-Income Generation(G) Solution Oriented - Retirement Fund - Debt \| Moderately High \| 19.94 +-0.15	11/2/2015	₹ 148.78	2.08%	7.56%	5.85%	6.49%
SBI Retirement Benefit Fund-Conservative Plan-Reg(G) Solution Oriented - Retirement Fund - Debt \| Moderate \| 14.23 +-0.08	10/2/2021	₹ 174.34	3.66%	7.75%	-	7.34%
Aditya Birla SL Retirement Fund-50-Reg(G) Solution Oriented - Retirement Fund - Debt \| Moderately High \| 14.72 +-0.05	11/3/2019	₹ 26.49	6.01%	8.04%	5.62%	5.76%
Tata Retirement Sav Fund - Cons Plan(G) Solution Oriented - Retirement Fund - Debt \| Moderately High \| 31.48 +-0.21	8/11/2011	₹ 172.98	3.66%	8.11%	6.21%	8.38%
HDFC Retirement Savings Fund-Hybrid-Debt Plan-Reg(G) Solution Oriented - Retirement Fund - Debt \| Moderately High \| 21.74 +-0.06	25/2/2016	₹ 161.49	4.62%	8.23%	7.35%	8.12%
SBI Retirement Benefit Fund-Conservative Hybrid Plan-Reg(G) Solution Oriented - Retirement Fund - Debt \| High \| 15.39 +-0.08	10/2/2021	₹ 284.45	3.34%	8.91%	-	9.04%
Axis Retirement Fund-Conservative Plan-Reg(G) Solution Oriented - Retirement Fund - Debt \| High \| 15.95 +-0.11	20/12/2019	₹ 53.22	3.42%	9.43%	6.65%	7.92%
Franklin India Retirement Fund(G) Solution Oriented - Retirement Fund - Debt \| High \| 217.60 +-1.12	30/4/1997	₹ 517.39	4.24%	9.97%	8.04%	11.26%