HDFC Retirement Fund Hybrid Debt
The Scheme seeks to provide long-term capital appreciation / income by investing in a mix of equity and debt instruments to help investors meet their retirement goals.
Growthvine rating: 1/5 — ranked #7 of 9 in category.
Fund basics
| Category | Solution: Retirement Hybrid |
|---|
| NAV | ₹21.63 (as of 2026-09-11) |
|---|
| AUM | ₹148 Cr |
|---|
| Expense ratio | 1.85% |
|---|
| Riskometer | Moderately High |
|---|
| Fund manager | Srinivasan Ramamurthy |
|---|
| Exit load | 0 |
|---|
Performance & risk
| 5-year annualised return | 6.15% |
|---|
| Sharpe ratio | 0.08 |
|---|
| Standard deviation | 4.29% |
|---|
| Max drawdown | -7.94% |
|---|
| Alpha | 0 |
|---|
| Beta | 0 |
|---|
Over 5 years, captured 33.0% of Nifty 500's upside and 17.0% of its downside.
Market cap allocation
| Large cap | 78.3% |
|---|
| Mid cap | 6.0% |
|---|
| Small cap | 15.7% |
|---|
Concentration
| Top 5 holdings | 25.2% |
|---|
| Top 10 holdings | 29.8% |
|---|
| Total holdings | 43 |
|---|
Top holdings
- Net Receivable / Payable — 21.1%
- TREPS - Tri-party Repo — 10.3%
- 6.67% GOI MAT 171250 — 9.3%
- ICICI Bank Ltd. — 8.3%
- Larsen & Toubro Limited — 7.5%
- Mahindra Rural Housing Finance Ltd — 6.8%
- 6.48% GOI MAT 061035 — 6.6%
- 6.19% GOI MAT 160934 — 6.5%
- Reliance Industries Ltd — 5.9%
- 7.57% GOI MAT 170633 — 5.3%
Top sectors
- Banking & Financial — 13.5%
- Construction — 8.0%
- Petroleum Products — 6.1%
Calendar-year track record
| Year | Return | Quartile | Category rank |
|---|
| 2026 (partial) | -1.5% | Q3 | #6 of 9 |
| 2025 | 5.2% | Q3 | #6 of 9 |
| 2024 | 9.9% | Q4 (Bottom) | #9 of 9 |
| 2023 | 11.2% | Q4 (Bottom) | #8 of 8 |
| 2022 | 3.7% | Q2 | #4 of 8 |