HDFC Retirement Fund Hybrid Equity
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: 2/5 — ranked #6 of 9 in category.
Fund basics
| Category | Solution: Retirement Hybrid |
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| NAV | ₹35.57 (as of 2026-10-01) |
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| AUM | ₹1,604 Cr |
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| Expense ratio | 1.80% |
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| Riskometer | Very 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 | 7.32% |
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| Sharpe ratio | 0.17 |
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| Standard deviation | 10.62% |
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| Max drawdown | −27.66% |
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| Alpha | 0 |
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| Beta | 0 |
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Over 5 years, captured 67.9% of Nifty 500's upside and 61.2% of its downside.
Market cap allocation
| Large cap | 63.7% |
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| Mid cap | 10.3% |
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| Small cap | 26.0% |
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Concentration
| Top 5 holdings | 21.9% |
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| Top 10 holdings | 34.3% |
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| Total holdings | 66 |
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Top holdings
- TREPS - Tri-party Repo — 8.0%
- ICICI Bank Ltd. — 6.3%
- HDFC Bank Ltd. — 5.3%
- Bajaj Finance Ltd. — 4.3%
- Reliance Industries Ltd — 3.6%
- Kotak Mahindra Bank Ltd. — 3.4%
- State Bank Of India — 3.3%
- AXIS Bank Ltd. — 3.2%
- Maruti Suzuki India Ltd. — 2.5%
- Bharti Airtel Ltd. — 2.3%
Top sectors
Not disclosed.
Calendar-year track record
| Year | Return | Quartile | Category rank |
|---|
| 2026 (partial) | −10.0% | Q4 (Bottom) | #9 of 9 |
| 2025 | 5.4% | Q2 | #5 of 9 |
| 2024 | 14.0% | Q3 | #6 of 9 |
| 2023 | 24.9% | Q2 | #3 of 8 |
| 2022 | 4.8% | Q2 | #3 of 8 |