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 |
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| NAV | ₹21.25 (as of 2026-10-23) |
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| AUM | ₹143 Cr |
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| Expense ratio | 1.85% |
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| Riskometer | Moderately High |
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| Fund manager | Chirag Setalvad |
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| Exit load | 0 |
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Performance & risk
| 5-year annualised return | 5.57% |
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| Sharpe ratio | -0.08 |
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| Standard deviation | 4.48% |
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| Max drawdown | −7.94% |
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| Alpha | 0 |
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| Beta | 0 |
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Over 5 years, captured 33.0% of Nifty 500's upside and 17.7% of its downside.
Market cap allocation
| Large cap | 66.0% |
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| Mid cap | 11.0% |
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| Small cap | 23.0% |
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Concentration
| Top 5 holdings | 27.7% |
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| Top 10 holdings | 40.6% |
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| Total holdings | 73 |
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Top holdings
- ICICI Bank Ltd. — 7.4%
- HDFC Bank Ltd. — 6.9%
- TREPS - Tri-party Repo — 5.2%
- Reliance Industries Ltd — 4.6%
- AXIS Bank Ltd. — 4.4%
- Kotak Mahindra Bank Ltd. — 4.4%
- State Bank Of India — 2.9%
- Maruti Suzuki India Ltd. — 2.8%
- Bharti Airtel Ltd. — 2.6%
- Larsen & Toubro Limited — 2.3%
Top sectors
Not disclosed.
Calendar-year track record
| Year | Return | Quartile | Category rank |
|---|
| 2026 (partial) | −3.2% | Q1 (Top) | #1 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 |