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HDFC Mutual Fund

Mutual Fund Research

HDFC Retirement Fund - Hybrid - Debt Plan - Regular Plan - Growth

HDFC Mutual Fund Solution Oriented Solution Oriented Retirement

Fund Performance

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-
Historical NAV
  • 1W
  • 2W
  • 1M
  • 3M
  • 6M
  • 1Y
  • 3Y
  • 5Y
  • 10Y
  • SI

SIP Returns

Historical performance of a ₹1,000 monthly SIP

Historical data
Investment Period SIP Start Date Amount Invested Current Value Absolute Return
One Week 2026-10-27 ₹1,000.00 ₹1,013.15 +1.32%
Two Week 2026-10-19 ₹1,000.00 ₹1,007.26 +0.73%
One Month 2026-10-05 ₹1,000.00 ₹1,006.86 +0.69%
Three Months 2026-08-05 ₹3,000.00 ₹2,978.65 -0.71%
Six Months 2026-05-07 ₹6,000.00 ₹5,960.40 -0.66%
One Year 2025-11-03 ₹12,000.00 ₹11,925.15 -0.62%
Three Year 2023-11-06 ₹36,000.00 ₹37,210.77 +3.36%
Five Year 2021-11-08 ₹60,000.00 ₹67,736.07 +12.89%
Ten Year 2016-11-07 ₹120,000.00 ₹165,932.22 +38.28%
Since Inception 2016-02-05 ₹131,000.00 ₹186,565.07 +42.42%

Past returns are historical, not guaranteed. SIP values depend on the dates and NAVs used.

Return Calculator

Explore SIP and one-time investment scenarios

₹1,000₹50,000
Investment Duration

Projection uses the selected fund return as an annualized assumption. It does not predict future performance.

Estimated Investment Summary

Investment
₹0
Maturity Value
₹0
Abs. Returns
₹0
Assumed Annual Return
0%

Illustrative values only. Market returns are not fixed or guaranteed.

Portfolio Allocation

Explore asset allocation, sector exposure and company holdings.

Equity
N/A
Debt
N/A
Others
N/A

Sector Allocation

Distribution across different sectors

Sovereign 35.87%
Banks 13.14%
Other 11.56%
CRISIL - AAA 10.60%
Construction 7.72%
Petroleum Products 5.78%
Retailing 1.93%
Auto Components 1.86%
Industrial Products 1.22%
Healthcare Services 1.19%
IT - Software 1.00%
Telecom - Services 0.99%
Automobiles 0.84%
Pharmaceuticals & Biotechnology 0.79%
Commercial Services & Supplies 0.72%
Beverages 0.66%
Transport Services 0.61%
Insurance 0.59%
Power 0.55%
Paper, Forest & Jute Products 0.52%
Diversified FMCG 0.46%
Entertainment 0.43%
Transport Infrastructure 0.35%
Electrical Equipment 0.29%
Fertilizers & Agrochemicals 0.28%
Gas 0.05%

Top Holdings

Company-wise portfolio exposure

ICICI Bank Ltd. 7.90%
Larsen and Toubro Ltd. 7.43%
Reliance Industries Ltd. 5.53%
HDFC Bank Ltd.£ 2.18%
State Bank of India 1.31%
Axis Bank Ltd. 1.12%
Bharti Airtel Ltd. 0.99%
Maruti Suzuki India Limited 0.84%
Firstsource Solutions Ltd. 0.72%
Vedant Fashions Ltd 0.71%
Infosys Limited 0.70%
Suprajit Engineering Ltd. 0.67%
United Spirits Limited 0.66%
Vishal Mega Mart Limited 0.64%
City Union Bank Ltd. 0.63%
Kovai Medical Center & Hospital Ltd. 0.63%
Transport Corporation of India Ltd. 0.61%
Balkrishna Industries Ltd. 0.59%
SBI Life Insurance Company Ltd. 0.59%
Shoppers Stop Ltd. 0.58%
Dr. Lal Path Labs Ltd 0.56%
Power Grid Corporation of India Ltd. 0.55%
WEST COAST PAPER MILLS LIMITED 0.52%
ITC LIMITED 0.46%
Vesuvius India Ltd. 0.45%
Lupin Ltd. 0.43%
PVR LIMITED 0.43%
Lumax Industries Ltd 0.39%
Alkem Laboratories Ltd. 0.36%
Gujarat Pipavav Port Ltd. 0.35%
Zensar Technologies Ltd. 0.30%
Kalpataru Projects International Ltd 0.29%
TCPL PACKAGING LIMITED 0.29%
Voltamp Transformers Ltd. 0.29%
Bayer Cropscience Ltd 0.28%
Hindustan Petroleum Corp. Ltd. 0.25%
Huhtamaki India Limited 0.25%
Finolex Cables Ltd. 0.23%
SKF India Ltd. 0.21%
GSPL Transmission Limited 0.05%
6.67% GOI MAT 171250 9.37%
6.48% GOI MAT 061035 6.70%
6.19% GOI MAT 160934^ 6.60%
7.57% GOI MAT 170633^ 5.38%
8.97% GOI MAT 051230^ 4.14%
7.5% GOI MAT 100834^ 3.57%
7.54% GOI MAT 230536 0.11%
Mahindra Rural Housing Finance Ltd^ 7.04%
Indian Railways Finance Corp. Ltd.^ 3.56%
TREPS - Tri-party Repo 8.57%
Net Current Assets 2.99%

Risk Ratios & Analysis

Understand the fund’s volatility, benchmark exposure and redemption characteristics.

σ
Standard Deviation
N/A
Return volatility
β
Beta
N/A
Benchmark sensitivity
S
Sharpe Ratio
N/A
Risk-adjusted return
↗
Lock-in Period
N/A
Redemption restriction
◷
Residual Maturity
8.31 Years
Time to maturity

Scheme Riskometer

Published risk classification for this scheme

Principal risk level

Investors understand that their principal will be at

Moderately High Risk

Low
Low to Moderate
Moderate
Moderately High
High
Very High

Riskometer is a scheme risk classification, not a prediction of future performance.

Peer Comparison

Compare similar mutual funds by performance, fundamentals and risk.

Fund Name 1Y Return 3Y Return Since Inception
Aditya Birla Sun Life Retirement Fund - 30S Plan - Regular Plan - Growth 6.76% 14.84% 10.86%
ICICI Prudential Retirement Fund Pure Debt Plan - Regular Plan - Growth 2.60% 5.34% 5.98%
Aditya Birla Sun Life Retirement Fund - 50Plus Debt Plan - Regular Plan - Growth 1.70% 4.49% 4.04%
ICICI Prudential Retirement Fund Hybrid Conservative Plan - Regular Plan - Growth 1.64% 7.96% 7.94%
SBI Retirement Benefit Fund Conservative Plan - Regular Plan - Growth 1.15% 6.03% 6.68%
Tata Retirement Savings Fund-Conservative - Regular Plan - Growth 1.01% 6.24% 8.12%
Aditya Birla Sun Life Retirement Fund - 50S Plan - Regular Plan - Growth 0.84% 6.47% 5.41%
Tata Retirement Savings Fund-Moderate - Regular Plan - Growth 0.06% 10.14% 13.32%
SBI Retirement Benefit Fund Conservative Hybrid Plan - Regular Plan - Growth -0.01% 6.42% 8.09%
Tata Retirement Savings Fund-Progressive - Regular Plan - Growth -0.11% 10.63% 13.38%

Returns are historical and do not guarantee future performance.

View All Solution Oriented Retirement Funds

Fund Family

Compare schemes from HDFC Mutual Fund by performance, fundamentals and risk.

Fund Name 1Y Return 3Y Return Since Inception
HDFC Developed World Overseas Equity Passive FOF - Regular Plan 24.97% 24.62% 16.63%
HDFC Pharma And Healthcare Fund - Regular Plan - Growth 22.21% 29.08% 28.07%
HDFC Silver ETF Fund Of Fund - Regular Plan - Growth 15.79% 32.68% 29.61%
HDFC Defence Fund - Regular Plan - Growth 14.40% 33.71% 35.91%
HDFC Gold ETF Bse Scrip Code: 533230 Nse Symbol: Hdfcgold - Regular Plan 13.18% 29.73% 19.99%
HDFC Gold ETF Fund Of Fund - Regular Plan - Growth 12.27% 29.14% 9.70%
HDFC Innovation Fund - Regular Plan - Growth 10.11% 0.00% 11.72%
HDFC Crisil-IBX Fin Services 3-6 Months Debt Index Fund - Regular Plan - Growth 6.73% 0.00% 6.77%
HDFC Liquid Fund - Regular Plan - Growth 6.36% 6.78% 6.14%
HDFC Arbitrage Fund - Regular Plan - Growth 6.24% 6.73% 6.49%

Returns are historical and do not guarantee future performance.

View All HDFC Mutual Fund Funds

Scheme Objective

The investment mandate and purpose of this scheme

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 achieved.

Scheme Details

Investment requirements and key fund information

Fund Information

Min. SIP Amount
N/A
Min. Lumpsum Amount
N/A
AUM (in Cr.)
N/A
Expense Ratio (Regular)
2.33%
Expense Ratio (Direct)
1.35%
Lock-in Period
N/A
Fund Age
N/A
Benchmark
NIFTY 50 Hybrid Composite Debt 15:85 Index

Exit Load

Charges that may apply when you redeem units

may apply. Please refer Page 104 to 113 for details.
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