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HDFC Retirement Fund Hybrid Debt Plan Direct Growth
+7.06%
3Y annualised
+0.17% 1D
NAV: 09 Nov '26
₹25.05
Min. for SIP
₹100
Fund size (AUM)
₹139.80 Cr
Expense ratio
1.35%
Rating
3
Return calculator
Monthly investment
₹5,000
| Over the past | Total investment | Would've become | Historic returns | Returns |
|---|---|---|---|---|
| 1 year | ₹60,000 | ₹60,905 | +1.51% | |
| 3 years | ₹1,80,000 | ₹1,91,279 | +6.27% | |
| 5 years | ₹3,00,000 | ₹3,52,022 | +17.34% | |
| 10 years | ₹6,00,000 | ₹8,90,423 | +48.40% |
Holdings (57)
| Name | Sector | Instruments | Assets |
|---|---|---|---|
| Cash Margin | Unspecified | Cash Margin | 17.54% |
| CENTRAL GOVERNMENT LOAN 29633 GOI 17DC50 6.67 FV RS 100 | Entities | GOI Securities | 9.35% |
| ICICI Bank Ltd | Financial | Equity | 8.52% |
| Larsen & Toubro Ltd | Industrials | Equity | 7.81% |
| MAHINDRA RURAL HOUSING FINANCE LIMITED SR AA 8.35 NCD 24SP32 FVRS10LAC | Financial | Non Convertible Debenture | 7.05% |
| GOVERNMENT OF INDIA 36574 GOI 06OT35 6.48 FV RS 100 | Entities | GOI Securities | 6.72% |
| CENTRAL GOVERNMENT LOAN 23202 GOI 16SP34 6.19 FV RS 100 | Entities | GOI Securities | 6.63% |
| Repo | Unspecified | Repo | 6.34% |
| Reliance Industries Ltd | Energy & Utilities | Equity | 5.54% |
| CENTRAL GOVERNMENT LOAN 21658 GOI 17JU33 7.57 FV RS 100 | Entities | GOI Securities | 5.40% |
| GOI Sec 8.97 05/12/2030 | Entities | GOI Securities | 4.17% |
| INDIAN RAILWAY FINANCE CORPORATION LIMITED SR 130 8.40 LOA 08JN29 FVRS10LAC | Financial | Debenture | 3.59% |
| CENTRAL GOVERNMENT LOAN 04010 GOI 10AG34 7.5 FV RS 100 | Entities | Central Government Loan | 3.59% |
| Net Current Assets | Unspecified | Net Current Assets | 2.78% |
| HDFC Bank Ltd | Financial | Equity | 2.17% |
| State Bank of India | Financial | Equity | 1.34% |
| Axis Bank Ltd | Financial | Equity | 1.13% |
| Bharti Airtel Ltd | Technology | Equity | 1.13% |
| Infosys Ltd | Technology | Equity | 0.85% |
| Firstsource Solutions Ltd | Industrials | Equity | 0.84% |
| Maruti Suzuki India Ltd | Consumer Discretionary | Equity | 0.82% |
| Suprajit Engineering Ltd | Consumer Discretionary | Equity | 0.68% |
| United Spirits Ltd | Consumer Staples | Equity | 0.67% |
| Vedant Fashions Ltd | Consumer Discretionary | Equity | 0.65% |
| Jio Platforms Ltd | Technology | Equity | 0.64% |
| Kovai Medical Center & Hospital Ltd | Healthcare | Equity | 0.62% |
| City Union Bank Ltd | Financial | Equity | 0.61% |
| SBI Life Insurance Company Ltd | Financial | Equity | 0.59% |
| Balkrishna Industries Ltd | Consumer Discretionary | Equity | 0.59% |
| Transport Corporation Of India Ltd | Industrials | Equity | 0.59% |
| West Coast Paper Mills Ltd | Materials | Equity | 0.58% |
| Power Grid Corporation of India Ltd | Energy & Utilities | Equity | 0.57% |
| Dr. Lal Pathlabs Ltd | Healthcare | Equity | 0.55% |
| Vishal Mega Mart Ltd. | Consumer Staples | Equity | 0.54% |
| PVR Ltd | Consumer Discretionary | Equity | 0.52% |
| Shoppers Stop Ltd | Consumer Discretionary | Equity | 0.52% |
| ITC Ltd | Consumer Staples | Equity | 0.47% |
| Lupin Ltd | Healthcare | Equity | 0.43% |
| Vesuvius India Ltd | Industrials | Equity | 0.39% |
| Zensar Technologies Ltd | Technology | Equity | 0.38% |
| Alkem Laboratories Ltd | Healthcare | Equity | 0.37% |
| Lumax Industries Ltd | Consumer Discretionary | Equity | 0.36% |
| Gujarat Pipavav Port Ltd | Industrials | Equity | 0.34% |
| Usha Martin Ltd | Materials | Equity | 0.32% |
| TCPL Packaging Ltd | Materials | Equity | 0.31% |
| Voltamp Transformers Ltd | Industrials | Equity | 0.30% |
| Kalpataru Power Transmission Ltd | Industrials | Equity | 0.29% |
| Akzo Nobel India Ltd | Materials | Equity | 0.28% |
| Hindustan Petroleum Corporation Ltd | Energy & Utilities | Equity | 0.24% |
| Huhtamaki India Ltd | Materials | Equity | 0.22% |
| SKF India Ltd | Industrials | Equity | 0.20% |
| Finolex Cables Ltd | Industrials | Equity | 0.19% |
| 7.54% GOVT OF INDIA RED 23-05-2036 | Entities | GOI Securities | 0.11% |
| Bayer CropScience Ltd | Materials | Equity | 0.09% |
| Reliance Industries Ltd Futures | Energy & Utilities | Futures | -4.56% |
| ICICI Bank Ltd Futures | Financial | Futures | -6.02% |
| Larsen & Toubro Ltd Futures | Industrials | Futures | -6.96% |
Minimum investments
Min. for 1st investment
₹100
Min. for 2nd investment
₹100
Min. for SIP
₹100
Returns and rankings
| Name | 3Y | 5Y | 10Y | All |
|---|---|---|---|---|
| Fund returns | +7.1% | +7.1% | +8.2% | +8.9% |
| Category average (Hybrid Conservative Hybrid) | +8.2% | +7.5% | +8.1% | +9.0% |
| Rank (Hybrid Conservative Hybrid) | 24 | 16 | 10 | -- |
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%.
Compare similar funds
| Name | 1Y | 3Y | Fund Size(Cr) | |
|---|---|---|---|---|
 | +3.75% | +9.09% | 3,223.29 | |
 | +3.60% | +9.02% | 3,394.73 | |
 | +6.38% | +8.86% | 973.97 | |
 | +4.10% | +8.74% | 173.81 | |
 | +3.91% | +8.40% | 9,943.76 | |
| Compare | ||||
Fund management
About HDFC Retirement Fund Hybrid Debt Plan Direct Growth
HDFC Retirement 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. Anupam Joshi is the Current Fund Manager of HDFC Retirement Fund Hybrid Debt Plan Direct Growth fund. The fund currently has an Asset Under Management(AUM) of ₹9,34,076 Cr and the Latest NAV as of 09 Nov 2026 is ₹25.05.
The HDFC Retirement Fund Hybrid Debt Plan Direct Growth is rated 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₹9,34,075.66 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,