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Invest in direct mutual funds at zero charges via lump sump investments or SIPs
HDFC Retirement Savings Fund Hybrid Debt Plan Direct Growth
+8.95%
3Y annualised
-0.68% 1D
NAV: 20 Mar '26
₹24.33
Min. for SIP
₹100
Fund size
₹160.34 Cr
Expense ratio
1.13%
Return calculator
Monthly investment
₹5,000
| Over the past | Total investment | Would've become | Historic returns | Returns |
|---|---|---|---|---|
| 6 months | ₹30,000 | ₹29,742 | -0.86% | |
| 1 year | ₹60,000 | ₹60,476 | +0.79% | |
| 3 years | ₹1,80,000 | ₹2,04,486 | +13.60% | |
| 5 years | ₹3,00,000 | ₹3,75,098 | +25.03% |
Holdings (54)
| Name | Sector | Instruments | Assets |
|---|---|---|---|
| GOI | Sovereign | GOI Sec | 8.65% |
| Larsen & Toubro Ltd. | Construction | Equity | 7.52% |
| Mahindra Rural Housing Finance Ltd. | Financial | NCD | 6.45% |
| GOI | Sovereign | GOI Sec | 6.16% |
| GOI | Sovereign | GOI Sec | 6.04% |
| Tata Consultancy Services Ltd. | Technology | Equity | 5.89% |
| Reliance Industries Ltd. | Energy | Equity | 5.78% |
| GOI | Sovereign | GOI Sec | 4.94% |
| GOI | Sovereign | GOI Sec | 3.79% |
| GOI | Sovereign | CGL | 3.29% |
| Indian Railway Finance Corporation Ltd. | Financial | Debenture | 3.23% |
| HDFC Bank Ltd. | Financial | Equity | 2.42% |
| ICICI Bank Ltd. | Financial | Equity | 2.15% |
| State Bank of India | Financial | Equity | 1.46% |
| Axis Bank Ltd. | Financial | Equity | 1.12% |
| Bharti Airtel Ltd. | Communication | Equity | 0.94% |
| Maruti Suzuki India Ltd. | Automobile | Equity | 0.93% |
| Infosys Ltd. | Technology | Equity | 0.81% |
| ICICI Lombard General Insurance Company Ltd. | Insurance | Equity | 0.71% |
| SBI Life Insurance Company Ltd. | Insurance | Equity | 0.64% |
| Transport Corporation Of India Ltd. | Services | Equity | 0.63% |
| Power Grid Corporation Of India Ltd. | Energy | Equity | 0.56% |
| City Union Bank Ltd. | Financial | Equity | 0.53% |
| Lupin Ltd. | Healthcare | Equity | 0.50% |
| ITC Ltd. | Consumer Staples | Equity | 0.49% |
| Vesuvius India Ltd. | Construction | Equity | 0.47% |
| Lumax Industries Ltd. | Automobile | Equity | 0.41% |
| Kalpataru Projects International Ltd. | Capital Goods | Equity | 0.39% |
| Gujarat State Petronet Ltd. | Energy | Equity | 0.38% |
| Balkrishna Industries Ltd. | Automobile | Equity | 0.37% |
| Zensar Technologies Ltd. | Technology | Equity | 0.35% |
| Alkem Laboratories Ltd. | Healthcare | Equity | 0.35% |
| Dr. Lal Pathlabs Ltd. | Healthcare | Equity | 0.35% |
| Gujarat Pipavav Port Ltd. | Services | Equity | 0.33% |
| Bayer CropScience Ltd. | Chemicals | Equity | 0.32% |
| PVR Inox Ltd. | Services | Equity | 0.32% |
| Finolex Cables Ltd. | Capital Goods | Equity | 0.28% |
| The Ramco Cements Ltd. | Construction | Equity | 0.28% |
| Hindustan Petroleum Corporation Ltd. | Energy | Equity | 0.27% |
| Symphony Ltd. | Consumer Discretionary | Equity | 0.24% |
| Voltamp Transformers Ltd. | Capital Goods | Equity | 0.23% |
| Alembic Pharmaceuticals Ltd. | Healthcare | Equity | 0.22% |
| Gateway Distriparks Ltd. | Services | Equity | 0.22% |
| Amagi Media Labs Ltd. | Technology | Equity | 0.22% |
| SKF India Ltd. | Capital Goods | Equity | 0.22% |
| Goodyear India Ltd. | Automobile | Equity | 0.20% |
| United Spirits Ltd. | Consumer Staples | Equity | 0.17% |
| Huhtamaki India Ltd. | Chemicals | Equity | 0.17% |
| The Anup Engineering Ltd. | Capital Goods | Equity | 0.13% |
| GOI | Sovereign | GOI Sec | 0.10% |
| Popular Vehicles And Services Ltd. | Services | Equity | 0.06% |
| Reliance Industries Ltd. | Energy | Futures | -4.76% |
| Tata Consultancy Services Ltd. | Technology | Futures | -5.07% |
| Larsen & Toubro Ltd. | Construction | Futures | -6.75% |
See All
Minimum investments
Min. for 1st investment
₹100
Min. for 2nd investment
₹100
Min. for SIP
₹100
Returns and rankings
Annualised returns
Absolute returns
| Name | 3Y | 5Y | 10Y | All |
|---|---|---|---|---|
| Fund returns | +8.9% | +8.2% | +9.1% | +9.2% |
| Category average (Hybrid Conservative Hybrid) | +9.1% | +8.0% | +7.8% | -- |
| Rank (Hybrid Conservative Hybrid) | 20 | 13 | 7 | -- |
Exit load, stamp duty and tax
Exit load
Nil
Stamp duty on investment: 0.005% (from July 1st, 2020)
from July 1st 2020
Tax implication
If you redeem within two years, returns are taxed as per your Income Tax slab. If you redeem after two years, returns are taxed at 12.5%.
Check past data
Compare similar funds
| Name | 1Y | 3Y | Fund Size(Cr) | |
|---|---|---|---|---|
Parag Parikh Conservative Hybrid Fund Direct Growth | +7.01% | +11.55% | 3,354.03 | |
ICICI Prudential Regular Savings Fund Direct Growth | +6.44% | +10.51% | 3,340.64 | |
DSP Regular Savings Fund Direct Growth | +4.47% | +10.17% | 184.49 | |
HDFC Hybrid Debt Fund Direct Growth | +4.09% | +9.88% | 3,340.06 | |
Nippon India Conservative Hybrid Fund Direct Growth | +8.88% | +9.77% | 947.83 | |
| Compare | ||||
Fund management
AAArun AgarwalApr 2025 - PresentView details
AA
Arun Agarwal
Apr 2025 - Present
View details
AJAnupam JoshiMar 2026 - PresentView details
AJ
Anupam Joshi
Mar 2026 - Present
View details
SRSrinivasan RamamurthyDec 2021 - PresentView details
SR
Srinivasan Ramamurthy
Dec 2021 - Present
View details
DMDhruv MuchhalJun 2023 - PresentView details
DM
Dhruv Muchhal
Jun 2023 - Present
View details
NMNandita MenezesApr 2025 - PresentView details
NM
Nandita Menezes
Apr 2025 - Present
View details
About HDFC Retirement Savings Fund Hybrid Debt Plan Direct Growth
HDFC Retirement Savings Fund Hybrid Debt Plan Direct Growth is a Hybrid Mutual Fund Scheme launched by HDFC Mutual Fund. This scheme was made available to investors on 10 Dec 1999. Arun Agarwal is the Current Fund Manager of HDFC Retirement Savings Fund Hybrid Debt Plan Direct Growth fund. The fund currently has an Asset Under Management(AUM) of ₹9,52,320 Cr and the Latest NAV as of 20 Mar 2026 is ₹24.33.
The HDFC Retirement Savings Fund Hybrid Debt Plan Direct Growth is rated Moderately High risk. Minimum SIP Investment is set to ₹100. Minimum Lumpsum Investment is ₹100.
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Investment Objective
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.
Fund benchmarkNIFTY 50 Hybrid Composite Debt 15:85 Conservative Index
Fund house
Rank (total assets)#2 in India
Total AUM₹9,52,319.77 Cr
Date of Incorporation10 Dec 1999
Launch Date10 Dec 1999
Address"HDFC House", 2nd Floor, H. T. Parekh Marg, 165-166, BackbayReclamation, Churchgate Mumbai 400020
Websitewww.camsonline.com
Address7th Floor, Tower II, Rayala Towers, 158, Anna Salai,