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

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Fund info
NAV (as on 2025-07-18)
21.67 -0.07%
AUM (Fund Size)
N/A
Expense Ratio
1.76%
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.
Risk
N/A
AMC
HDFC Mutual Fund
View AMC Details

SIP Returns

Period Invested for ₹1000 SIP Started on Investments Latest Value Abs. Returns
One Week 2025-07-11 ₹1,000.00 ₹1,000.45
0.05 %
Two Week 2025-07-03 ₹1,000.00 ₹999.95
0.00 %
One Month 2025-06-18 ₹1,000.00 ₹1,006.72
0.67 %
Three Months 2025-04-21 ₹3,000.00 ₹3,030.27
1.01 %
Six Months 2025-01-20 ₹6,000.00 ₹6,170.25
2.84 %
One Year 2024-07-18 ₹12,000.00 ₹12,439.52
3.66 %
Three Year 2022-07-19 ₹36,000.00 ₹41,390.63
14.97 %
Five Year 2020-07-20 ₹60,000.00 ₹74,841.45
24.74 %
Since Inception 2016-02-05 ₹116,000.00 ₹172,636.71
48.82 %

Return Calculator

SIP Amount
1M
6M
1Y
3Y
5Y
Investment
₹0
Maturity Value
₹0
Abs. Returns
0
Current CAGR
0

Portfolio

Allocation of Equity and Debt Asset Classes.

Equity 29%
Debt 83%
Others 5%

Sectors Holding in HDFC Retirement Savings Fund - Hybrid - Debt Plan - Regular Plan - Growth

Banks
10%
Petroleum Products
6%
IT - Software
7%
Telecom - Services
0%
Construction
6%
Diversified FMCG
0%
Pharmaceuticals & Biotechnology
0%
Power
0%
Insurance
0%
Aerospace & Defense
0%
Consumable Fuels
0%
Oil
0%
Automobiles
0%
Finance
0%
Industrial Products
0%
Agricultural, Commercial & Construction Vehicles
0%
Transport Services
0%
Auto Components
0%
Paper, Forest & Jute Products
0%
Other
82%
IND - AA+
6%
Transport Infrastructure
0%
Realty
0%
Gas
0%
Fertilizers & Agrochemicals
0%
Consumer Durables
0%
Beverages
0%
Agricultural Food & Other Products
0%
Electrical Equipment
0%
Textiles & Apparels
0%
Industrial Manufacturing
0%
Entertainment
0%
Chemicals & Petrochemicals
0%
Leisure Services
0%

Companies Holding in HDFC Retirement Savings Fund - Hybrid - Debt Plan - Regular Plan - Growth

ICICI Bank Ltd.
2.50%
HDFC Bank Ltd.
2.00%
State Bank Of India
1.19%
Axis Bank Ltd.
1.14%
Reliance Industries Ltd.
1.04%
Infosys Limited
0.78%
Bharti Airtel Ltd.
0.76%
Larsen And Toubro Ltd.
0.76%
ITC LIMITED
0.74%
Sun Pharmaceutical Industries Ltd.
0.74%
Tata Consultancy Services Ltd.
0.67%
Kotak Mahindra Bank Limited
0.61%
NTPC Limited
0.59%
Cipla Ltd.
0.56%
HCL Technologies Ltd.
0.48%
Lupin Ltd.
0.41%
SBI Life Insurance Company Ltd.
0.40%
Hindustan Aeronautics Limited
0.37%
NHPC Ltd.
0.31%
Power Grid Corporation Of India Ltd.
0.31%
Hindustan Petroleum Corp. Ltd.
0.30%
Coal India Ltd.
0.29%
Bharat Petroleum Corporation Ltd.
0.28%
Oil & Natural Gas Corporation Ltd.
0.28%
Mahindra & Mahindra Ltd.
0.27%
Power Finance Corporation Ltd.
0.26%
Bajaj Auto Limited
0.25%
Hero MotoCorp Ltd.
0.25%
Indus Towers Limited
0.23%
Union Bank Of India
0.22%
Aurobindo Pharma Ltd.
0.21%
Finolex Cables Ltd.
0.21%
Tata Motors Ltd.
0.21%
ESCORTS KUBOTA LIMITED
0.20%
Gateway Distriparks Limited
0.19%
Goodyear India Ltd.
0.18%
REC Limited.
0.18%
CIE Automotive India Ltd
0.16%
Great Eastern Shipping Company Ltd.
0.16%
JK Paper Ltd.
0.16%
Swaraj Engines Ltd.
0.11%
7.34% GOI MAT 220464
3.59%
7.09% GOI MAT 050854
3.49%
7.23% GOI MAT 150439
3.15%
7.3% GOI MAT 190653
2.65%
7.18% GOI MAT 240737
2.19%
6.79% GOI MAT 071034
2.13%
6.68% GOI MAT 170931
1.97%
6.33% GOI MAT 050535
1.55%
Floating Rate GOI 2034
1.50%
7.09% GOI MAT 251174
1.21%
7.41% GOI MAT 191236
1.11%
7.36% GOI MAT 120952
1.10%
7.1% GOI MAT 080434
1.08%
6.54% GOI MAT 170132
1.05%
7.26% GOI MAT 060233
0.78%
6.92% GOI MAT 181139
0.77%
6.95% GOI MAT 161261
0.74%
6.67% GOI MAT 171250
0.73%
6.9% GOI MAT 150465
0.59%
GOI STRIPS - Mat 190327
0.55%
6.67% GOI MAT 151235
0.38%
6.19% GOI MAT 160934
0.36%
7.25% GOI MAT 120663
0.31%
7.18% GOI MAT 140833
0.16%
6.99% GOI MAT 151251
0.15%
7.60% Tamil Nadu SDL Mat 310131
0.13%
7.64% Andhra Pradesh SDL ISD 170124 MAT 170131
0.02%
8.15% GOI MAT 241126
0.01%
Indian Railways Finance Corp. Ltd.
0.48%
Altius Telecom Infrastructure Trust
1.65%
National Highways Authority Of India
1.55%
Bajaj Housing Finance Ltd.
1.52%
Housing And Urban Development Corporation Ltd.
0.75%
Pipeline Infrastructure Pvt. Ltd.
1.52%
Power Finance Corporation Ltd.
0.16%
Export - Import Bank Of India
1.50%
National Bank For Agri & Rural Dev.
0.75%
Muthoot Finance Ltd.
1.05%
Tata Motors Ltd.
1.49%
REC Limited.
0.30%
The Tata Power Company Ltd.
0.87%
NTPC Limited
0.74%
State Bank Of India
0.77%
TVS Credit Services Ltd
0.77%
Bharti Telecom Limited
0.75%
Cholamandalam Investment & Finance Co. Ltd.
0.75%
Grasim Industries Ltd.
0.75%
LIC Housing Finance Ltd.
0.75%
HDFC Bank Ltd.
0.73%
HDFC ERGO General Insurance Co. Ltd.
0.73%
Bajaj Finance Ltd.
0.72%
Mahindra Rural Housing Finance Ltd
0.30%
Vajra 006 (PTC Backed By Loan Receivables Originated By Veritas Finance Private Limited)
0.42%
Indus Infra Trust
0.09%
Embassy Office Parks REIT
0.56%
TREPS - Tri-party Repo
1.51%
Corporate Debt Market Development Fund
0.27%
Net Current Assets
1.78%
Tata Consultancy Services Ltd.
7.02%
Larsen And Toubro Ltd.
6.48%
Reliance Industries Ltd.
5.81%
ICICI Bank Ltd.
2.67%
HDFC Bank Ltd.
2.62%
State Bank Of India
0.97%
Axis Bank Ltd.
0.95%
Bharti Airtel Ltd.
0.91%
Infosys Limited
0.86%
ITC LIMITED
0.77%
Maruti Suzuki India Limited
0.76%
ICICI Lombard General Insurance Co
0.69%
Transport Corporation Of India Ltd.
0.69%
SBI Life Insurance Company Ltd.
0.56%
Vesuvius India Ltd.
0.55%
Hindustan Aeronautics Limited
0.46%
Power Grid Corporation Of India Ltd.
0.45%
Gujarat State Petronet Ltd.
0.40%
Bayer Cropscience Ltd
0.38%
Hindustan Petroleum Corp. Ltd.
0.38%
Symphony Ltd.
0.37%
United Spirits Limited
0.37%
Balrampur Chini Mills Ltd.
0.36%
City Union Bank Ltd.
0.36%
Voltamp Transformers Ltd.
0.36%
Kalpataru Projects International Ltd
0.35%
Alembic Pharmaceuticals Limited
0.31%
Finolex Cables Ltd.
0.30%
Gujarat Pipavav Port Ltd.
0.29%
Lumax Industries Ltd
0.27%
Vardhman Textiles Ltd.
0.26%
Gateway Distriparks Limited
0.23%
Goodyear India Ltd.
0.23%
Insecticides (India) Ltd.
0.22%
The Anup Engineering Limited
0.22%
Dr Reddys Laboratories Ltd.
0.15%
PVR LIMITED
0.12%
OCCL Limited
0.08%
Popular Vehicles And Services Limited
0.08%
ITC Hotels Limited
0.04%
6.67% GOI MAT 171250
9.15%
6.19% GOI MAT 160934
6.10%
7.57% GOI MAT 170633
4.99%
8.97% GOI MAT 051230
3.85%
7.5% GOI MAT 100834
3.33%
7.54% GOI MAT 230536
0.10%
Mahindra Rural Housing Finance Ltd
6.36%
TMF Holdings Ltd. (Perpetual)
6.13%
Indian Railways Finance Corp. Ltd.
3.25%
HDFC Bank Ltd.
3.05%
Power Finance Corporation Ltd.
0.66%
TREPS - Tri-party Repo
9.56%
Net Current Assets
4.12%

Risk Ratios

Std. Deviation 3.871
Beta 1.042
Sharpe Ratio 1.029
Lock In Period N/A
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

Min. SIP Amount
N/A
Min. Lumpsum Amount
N/A
AUM (in Cr.)
N/A
Expense Ratio Regular
1.76
Expense Ratio Direct
1.23
Lock-in Period
N/A
Fund Age
N/A
Benchmark
N/A
Fund managers
Srinivasan Ramamurthy
Over 17 years Experience
Shobhit Mehrotra
Over 31 years Experience
Dhruv Muchhal
Over 10 years Experience
Srinivasan Ramamurthy
Over 17 years Experience
Shobhit Mehrotra
Over 31 years Experience

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

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