Sign up TODAY and try all premium features FREE for a Month!
Sign Up
Home Mf Research Hdfc Retirement Savings Fund Hybrid Debt Plan Regular Plan Growth
HDFC Mutual Fund

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

Solution Oriented Solution Oriented Retirement
Fund House : HDFC Mutual Fund
Overview
Returns
Portfolio
SIP Calculator
Analysis
Peer Comparison
Fund Family
Scheme Details
-
-
  • 1W
  • 2W
  • 1M
  • 3M
  • 6M
  • 1Y
  • 3Y
  • 5Y
  • SI
NAV (as on 2025-06-03)
21.58 -0.08%
Fund Size (Total Assets)
-
Expense Ratio (Regular)
1.76%
Expense Ratio (Direct)
1.23%
SIP Returns
Period Invested for ₹1000 SIP Started on Investments Latest Value Abs. Returns
One Week 2025-05-27 ₹1,000.00 ₹1,000.66
0.07 %
Two Week 2025-05-19 ₹1,000.00 ₹1,001.22
0.12 %
1 Month 2025-05-05 ₹1,000.00 ₹1,010.76
1.08 %
Three Months 2025-03-05 ₹3,000.00 ₹3,093.77
3.13 %
Six Months 2024-12-05 ₹6,000.00 ₹6,194.35
3.24 %
One Year 2024-06-03 ₹12,000.00 ₹12,478.64
3.99 %
Three Year 2022-06-06 ₹36,000.00 ₹41,688.95
15.80 %
Five Year 2020-06-04 ₹60,000.00 ₹75,471.06
25.79 %
Since Inception 2016-02-05 ₹114,000.00 ₹169,920.96
49.05 %
Portfolio Summary
Company Name Sector Sector Type Nav(in %)
ICICI Bank Ltd. Banks Equity 2.16
HDFC Bank Ltd. Banks Equity 1.70
State Bank of India Banks Equity 1.32
Axis Bank Ltd. Banks Equity 1.15
Bharti Airtel Ltd. Telecom - Services Equity 1.08
Infosys Limited IT - Software Equity 1.07
Reliance Industries Ltd. Petroleum Products Equity 0.91
Tata Consultancy Services Ltd. IT - Software Equity 0.88
ITC Ltd. Diversified Fmcg Equity 0.82
Larsen and Toubro Ltd. Construction Equity 0.81
Sun Pharmaceutical Industries Ltd. Pharmaceuticals & Biotechnology Equity 0.78
NTPC Limited Power Equity 0.75
Cipla Ltd. Pharmaceuticals & Biotechnology Equity 0.60
Lupin Ltd. Pharmaceuticals & Biotechnology Equity 0.58
Tata Motors Ltd. Automobiles Equity 0.56
Kotak Mahindra Bank Limited Banks Equity 0.55
HCL Technologies Ltd. IT - Software Equity 0.50
Coal India Ltd. Consumable Fuels Equity 0.47
Oil & Natural Gas Corporation Ltd. Oil Equity 0.45
Aurobindo Pharma Ltd. Pharmaceuticals & Biotechnology Equity 0.43
TEGA INDUSTRIES LIMITED Industrial Manufacturing Equity 0.43
Bharat Petroleum Corporation Ltd. Petroleum Products Equity 0.42
SBI Life Insurance Company Ltd. Insurance Equity 0.40
Petronet LNG Ltd. Gas Equity 0.39
NHPC Ltd. Power Equity 0.38
Finolex Cables Ltd. Industrial Products Equity 0.37
Hindustan Aeronautics Limited Aerospace & Defense Equity 0.37
Power Finance Corporation Ltd. Finance Equity 0.37
Hindustan Petroleum Corp. Ltd. Petroleum Products Equity 0.35
Mahindra & Mahindra Ltd. Automobiles Equity 0.35
Gateway Distriparks Limited Transport Services Equity 0.33
Great Eastern Shipping Company Ltd. Transport Services Equity 0.33
REC Limited. Finance Equity 0.29
Swaraj Engines Ltd. Industrial Products Equity 0.28
Goodyear India Ltd. Auto Components Equity 0.24
CIE Automotive India Ltd Auto Components Equity 0.21
Bharat Dynamics Limited Aerospace & Defense Equity 0.20
Union Bank of India Banks Equity 0.20
SBI CARDS AND PAYMENT SERVICES LIMITED Finance Equity 0.10
Indian Railways Finance Corp. Ltd. Finance Debt 5.35
HDFC Bank Ltd. Banks Debt 4.53
National Bank for Agri & Rural Dev. Finance Debt 3.17
Sikka Port and Terminal Ltd. Transportation Debt 3.02
Tata Motors Ltd. Automobiles Debt 3.02
Small Industries Development Bank Finance Debt 3.02
Export - Import Bank of India Finance Debt 3.01
Muthoot Finance Ltd. Finance Debt 2.56
REC Limited. Finance Debt 2.55
Power Finance Corporation Ltd. Finance Debt 2.42
Housing and Urban Development Corporation Ltd. Finance Debt 1.58
National Highways Authority of India Finance Debt 1.55
Pipeline Infrastructure Pvt. Ltd. Construction Debt 1.53
Bajaj Housing Finance Ltd. Finance Debt 1.52
National Bank for Financing Infrastructure and Development Finance Debt 1.51
TVS Credit Services Ltd Finance Debt 0.77
Bharti Telecom Limited Telecommunications Debt 0.76
LIC Housing Finance Ltd. Finance Debt 0.76
Grasim Industries Ltd. Manufacturing Debt 0.75
State Bank of India Banks Debt 0.75
Andhra Pradesh Expressway Ltd. Infrastructure Debt 0.74
HDFC ERGO General Insurance Co. Ltd. Insurance Debt 0.73
Bajaj Finance Ltd. Finance Debt 0.72
The Tata Power Company Ltd. Energy Debt 0.56
Cash and Cash Equivalents N/A Cash 3.56
Embassy Office Parks REIT Realty REIT 0.55
Bharat Highways InvIT Construction INVIT 0.09
Tata Consultancy Services Ltd. IT - Software Equity 8.96
Larsen and Toubro Ltd. Construction Equity 4.66
ICICI Bank Ltd. Banks Equity 2.26
HDFC Bank Ltd. Banks Equity 2.19
Infosys Limited IT - Software Equity 1.16
Reliance Industries Ltd. Petroleum Products Equity 1.12
Bharti Airtel Ltd. Telecom - Services Equity 1.11
State Bank of India Banks Equity 1.05
Axis Bank Ltd. Banks Equity 0.94
ITC Ltd. Diversified FMCG Equity 0.92
Voltamp Transformers Ltd. Electrical Equipment Equity 0.84
United Spirits Limited Beverages Equity 0.83
ICICI Lombard General Insurance Co Insurance Equity 0.75
Maruti Suzuki India Limited Automobiles Equity 0.65
Dr Reddys Laboratories Ltd. Pharmaceuticals & Biotechnology Equity 0.63
Transport Corporation of India Ltd. Transport Services Equity 0.63
Torrent Pharmaceuticals Ltd. Pharmaceuticals & Biotechnology Equity 0.59
SBI Life Insurance Company Ltd. Insurance Equity 0.54
Finolex Cables Ltd. Industrial Products Equity 0.48
Vesuvius India Ltd. Industrial Products Equity 0.48
Bayer Cropscience Ltd. Fertilizers & Agrochemicals Equity 0.47
Hindustan Aeronautics Limited Aerospace & Defense Equity 0.46
Gujarat Pipavav Port Ltd. Transport Infrastructure Equity 0.43
Kalpataru Projects International Ltd Construction Equity 0.43
Gujarat State Petronet Ltd. Gas Equity 0.42
Global Health Limited Healthcare Services Equity 0.38
Alembic Pharmaceuticals Limited Pharmaceuticals & Biotechnology Equity 0.37
6.67 GOI 2050 Sovereign Debt 8.88
6.19 GOI 2034 Sovereign Debt 5.84
7.57 GOI 2033 Sovereign Debt 4.83
8.97 GOI 2030 Sovereign Debt 3.76
7.5 GOI 2034 Sovereign Debt 3.21
Mahindra Rural Housing Finance Ltd IND - AA+ Debt 6.25
Indian Railways Finance Corp. Ltd. CRISIL - AAA Debt 3.21
SIP Calculator
Risk Ratios
Standard Deviation
3.871
Beta
1.042
Sharpe Ratio
1.029
Lock In Period
-
Residual Maturity
7.11
Standard Deviation:
Standard deviation numbers measure the variability or volatility of a fund's returns over a specific time period (often 3 years).
  • Low standard deviation = Stable, predictable returns → Suitable for conservative investors seeking stability.
  • High standard deviation = High volatility, more risk → Be cautious, suitable for risk-tolerant investors who can handle fluctuations.
Beta:
Beta measures a fund's volatility about the market or a benchmark. A lower beta means the fund's performance is less sensitive to market movements, making it more predictable compared to the market.
  • Low beta = Less sensitive to market changes → Great for investors with less market exposure.
  • High beta = More sensitive to market changes → Better for aggressive investors who seek higher returns but can handle market risks.
Sharpe Ratio:
The Sharpe Ratio measures how much return a fund has made compared to the risk it carries. A higher Sharpe ratio indicates better returns relative to the risk taken, meaning the fund delivers more efficiently.
  • A higher Sharpe ratio indicates better risk-adjusted returns → Look for funds with higher ratios for better return efficiency.
  • Use it to compare different funds' efficiency in generating returns relative to the risk taken.
Lock-In Period:

India's "lock-in period" in mutual funds encourages long-term investment, particularly in tax-saving schemes preventing redemption or selling of units.

Lock-in times for various investment types

  • Most ELSS mutual fund holders hold for 3 years.
  • Tax savings FDs lock in for 5 years.
  • The lock-in period for 8% Government of India bond investment is 6 years.
  • ULIPs must be locked in for 5 years.
  • The average hedge fund holding period is 30-90 days.
  • The average PPF investor holds onto their money for 15 years.
Residual Maturity:

Residual maturity is the remaining time until a security reaches its maturity date. It is an important factor for investors to consider when evaluating the risk associated with an investment.

There are two different types of residual maturity.

  • Short-term residual maturity: This occurs when a security has less than a year left on its maturity.
  • Long-term residual maturity: This occurs when a security has more than a year left on its remaining maturity.
Scheme Details
  • Fund manager(s) : Srinivasan Ramamurthy (Over 17 years), Shobhit Mehrotra (Over 31 years), Dhruv Muchhal (Over 10 years), Srinivasan Ramamurthy (Over 17 years), Shobhit Mehrotra (Over 31 years),
  • Expense ration regular : 1.76
  • Expense ration direct : 1.23
  • Launch date : -
  • Benchmark : -
  • Min SIP amount : -
  • Max SIP amount : -
  • Min investment amount (one time- first time) : ₹100.00
  • Type : solution_oriented
Exit load
Exit load of 1.00% is payable if units are redeemed/switched-out within 1 year from the date of allotment of units.

FAQs

Is a Mutual Fund with a Lower NAV Better?
What Are the Charges in Mutual Fund Investments?
What Are the Tax Benefits of Mutual Funds?
Is It a Good Time to Invest in Mutual Funds?
What Is the Difference Between Dividend and Growth Plans?
Should I Invest in Infrastructure Funds?
What Are Sector-Specific Funds/Schemes?
What Happens If I Miss an SIP Payment?
How Can I Compare Different Mutual Funds?