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Blog
HDFC Retirement Savings Fund Hybrid Debt Plan Growth

HDFC Retirement Savings Fund Hybrid Debt Plan Growth

ELSS • 5Y Lock-in
Hybrid
Conservative Hybrid
Moderately High Risk
+8.46%
3Y annualised
-0.05% 1D
1M
6M
1Y
3Y
5Y
All
NAV: 19 Jan '26
₹21.82
Min. SIP amount
Not Supported
Fund size
₹161.49 Cr
Expense ratio
2.16%

Holdings (53)

NameSectorInstrumentsAssets
GOISovereignGOI Sec8.66%
Larsen & Toubro Ltd.ConstructionEquity7.13%
Tata Consultancy Services Ltd.TechnologyEquity7.11%
Reliance Industries Ltd.EnergyEquity6.47%
Mahindra Rural Housing Finance Ltd.FinancialNCD6.41%
GOISovereignGOI Sec6.00%
GOISovereignGOI Sec4.89%
GOISovereignCGL3.78%
GOISovereignCGL3.26%
Indian Railway Finance Corporation Ltd.FinancialDebenture3.22%
HDFC Bank Ltd.FinancialEquity2.69%
ICICI Bank Ltd.FinancialEquity2.49%
State Bank of IndiaFinancialEquity1.19%
Bharti Airtel Ltd.CommunicationEquity1.04%
Maruti Suzuki India Ltd.AutomobileEquity1.03%
Axis Bank Ltd.FinancialEquity1.02%
Infosys Ltd.TechnologyEquity1.00%
ICICI Lombard General Insurance Company Ltd.InsuranceEquity0.73%
Transport Corporation Of India Ltd.ServicesEquity0.67%
SBI Life Insurance Company Ltd.InsuranceEquity0.63%
ITC Ltd.Consumer StaplesEquity0.62%
City Union Bank Ltd.FinancialEquity0.54%
Lupin Ltd.HealthcareEquity0.46%
Vesuvius India Ltd.ConstructionEquity0.45%
Zensar Technologies Ltd.TechnologyEquity0.44%
Power Grid Corporation Of India Ltd.EnergyEquity0.41%
Gujarat State Petronet Ltd.EnergyEquity0.38%
Kalpataru Projects International Ltd.Capital GoodsEquity0.37%
Dr. Lal Pathlabs Ltd.HealthcareEquity0.37%
Lumax Industries Ltd.AutomobileEquity0.36%
Alkem Laboratories Ltd.HealthcareEquity0.34%
Gujarat Pipavav Port Ltd.ServicesEquity0.34%
Bayer CropScience Ltd.ChemicalsEquity0.31%
Hindustan Petroleum Corporation Ltd.EnergyEquity0.31%
Symphony Ltd.Consumer DiscretionaryEquity0.27%
Alembic Pharmaceuticals Ltd.HealthcareEquity0.26%
The Ramco Cements Ltd.ConstructionEquity0.26%
Finolex Cables Ltd.Capital GoodsEquity0.23%
Vardhman Textiles Ltd.TextilesEquity0.23%
SKF India Ltd.Capital GoodsEquity0.23%
Gateway Distriparks Ltd.ServicesEquity0.22%
Goodyear India Ltd.AutomobileEquity0.21%
Huhtamaki India Ltd.ChemicalsEquity0.20%
Voltamp Transformers Ltd.Capital GoodsEquity0.19%
The Anup Engineering Ltd.Capital GoodsEquity0.18%
United Spirits Ltd.Consumer StaplesEquity0.18%
PVR Inox Ltd.ServicesEquity0.13%
GOISovereignGOI Sec0.10%
Tenneco Clean Air India LtdAutomobileEquity0.09%
Popular Vehicles And Services Ltd.ServicesEquity0.07%
Reliance Industries Ltd.EnergyFutures-5.33%
Tata Consultancy Services Ltd.TechnologyFutures-6.14%
Larsen & Toubro Ltd.ConstructionFutures-6.41%
See All

Minimum investments

Min. for 1st investment
Not Supported
Min. for 2nd investment
Not Supported
Min. for SIP
Not Supported

Returns and rankings

Annualised returns
Absolute returns
Name1Y3Y5YAll
Fund returns+5.3%+8.5%+7.5%+8.2%
Category average (Hybrid Conservative Hybrid)+5.5%+9.1%+8.0%--
Rank (Hybrid Conservative Hybrid)161713--

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

Name1Y3YFund Size(Cr)
Parag Parikh Conservative Hybrid Fund Growth
Parag Parikh Conservative Hybrid Fund Growth
+7.19%+10.99%3,212.39
SBI Conservative Hybrid Fund Growth
SBI Conservative Hybrid Fund Growth
+7.00%+9.72%9,851.37
Nippon India Conservative Hybrid Fund Growth
Nippon India Conservative Hybrid Fund Growth
+9.58%+9.18%932.60
Aditya Birla Sun Life Savings Fund Growth
Aditya Birla Sun Life Savings Fund Growth
+7.90%+9.04%1,541.39
ICICI Prudential Child Care Plan Study
ICICI Prudential Child Care Plan Study
+5.12%+8.75%130.58
Compare

Fund management

SM
Shobhit Mehrotra
Feb 2016 - Present
View details

AA
Arun Agarwal
Apr 2025 - Present
View details

Education
Mr. Agarwal is a B.Com. and Chartered Accountant
Experience
Prior to joining HDFC Asset Management Company Limited, he has worked with SBI Funds Management Pvt. Ltd., ICICI Bank Limited, UTI Asset Management Pvt. Ltd.
Also manages these schemes
HDFC Multi Asset Allocation Fund Growth
HDFC BSE India Sector Leaders Index Fund Growth
HDFC BSE 500 Index Fund Growth
HDFC Nifty Smallcap 250 Index Fund Growth
HDFC NIFTY Midcap 150 Index Fund Growth
HDFC Nifty500 Multicap 50:25:25 Index Fund Growth
HDFC NIFTY Next 50 ETF Growth
HDFC Equity Savings Fund Growth
HDFC Retirement Savings Fund Hybrid Equity Plan Growth
HDFC NIFTY 100 ETF Growth
HDFC Nifty LargeMidcap 250 Index Fund Growth
HDFC Developed World Overseas Equity Passive FoF Growth
HDFC BSE Sensex Index Fund Growth
HDFC Nifty100 Quality 30 Index Fund Growth
HDFC Retirement Savings Fund Hybrid Debt Plan Growth
HDFC NIFTY Private Bank ETF Growth
HDFC NIFTY200 Momentum 30 Index Fund Growth
HDFC NIFTY IT ETF Growth
HDFC BSE 500 ETF Growth
HDFC Nifty Smallcap 250 ETF Growth
HDFC NIFTY Midcap 150 ETF Growth
HDFC NIFTY 100 Equal Weight Index Fund Growth
HDFC NIFTY50 Value 20 ETF Growth
HDFC Gold ETF Fund of Fund Growth
HDFC NIFTY Bank ETF Growth
HDFC Balanced Advantage Fund Growth
HDFC Silver ETF FoF Growth
HDFC NIFTY 100 Index Fund Growth
HDFC NIFTY200 Momentum 30 ETF Growth
HDFC NIFTY100 Low Volatility 30 ETF Growth
HDFC NIFTY100 Low Volatility 30 Index Fund Growth
HDFC NIFTY50 Equal Weight Index Fund Growth
HDFC NIFTY 50 Index Fund Growth
HDFC NIFTY PSU BANK ETF Growth
HDFC Arbitrage Fund Wholesale Growth
HDFC Arbitrage Fund Retail Growth
HDFC Nifty Top 20 Equal Weight Index Fund Growth
HDFC NIFTY Next 50 Index Fund Growth
HDFC Retirement Savings Fund Equity Plan Growth
HDFC NIFTY100 Quality 30 ETF Growth
HDFC NIFTY Growth Sectors 15 ETF Growth
HDFC NIFTY Realty Index Fund Growth
HDFC Nifty India Digital Index Fund Growth

SR
Srinivasan Ramamurthy
Dec 2021 - Present
View details

Education
Mr. Ramamurthy is an engineer by qualification from Jadavpur University and has done his MBA from IIM - Calcutta.
Experience
Prior to joining HDFC Asset Management Company Limited, he has worked with Mahindra Mutual Fund, IDBI Federal Life Insurance, IIFL Capital Limited, Maybank Kim Eng, Credit Suisse and KPMG Advisory.

DM
Dhruv Muchhal
Jun 2023 - Present
View details

Education
Mr. Dhruv has done B.Com, CA and CFA
Experience
Prior to joining HDFC MF,he has worked with Motilal Oswal Financial Services Ltd., Goldman Sachs, CRISIL Global Research & Analytics and Deloitte Haskins & Sells
Also manages these schemes
HDFC Focused Fund Growth
HDFC Non Cyclical Consumer Fund Growth
HDFC Children's Fund Plan
HDFC Flexi Cap Fund Growth
HDFC Value Fund Growth
HDFC Arbitrage Fund Wholesale Growth
HDFC Infrastructure Fund Growth
HDFC Arbitrage Fund Retail Growth
HDFC Ultra Short Term Fund Growth
HDFC Corporate Bond Fund Growth
HDFC Equity Savings Fund Growth
HDFC Diversified Equity All Cap Active FoF Growth
HDFC Low Duration Fund Growth
HDFC Business Cycle Fund Growth
HDFC MNC Fund Growth
HDFC Balanced Advantage Fund Growth
HDFC Transportation and Logistics Fund Growth
HDFC Retirement Savings Fund Equity Plan Growth
HDFC Banking & Financial Services Fund Growth
HDFC Income Fund Growth
HDFC Large Cap Fund Growth
HDFC Floating Rate Debt Fund Growth
HDFC Technology Fund Growth
HDFC Banking and PSU Debt Fund Growth
HDFC Liquid Fund Growth
HDFC Mid Cap Fund Growth
HDFC Pharma And Healthcare Fund Growth
HDFC Credit Risk Debt Fund Growth
HDFC Innovation Fund Growth
HDFC Multi Cap Fund Growth
HDFC Small Cap Fund Growth
HDFC Long Duration Debt Fund Growth
HDFC Multi Asset Allocation Fund Growth
HDFC Medium Term Debt Fund Growth
HDFC Retirement Savings Fund Hybrid Equity Plan Growth
HDFC Housing Opportunities Fund Growth
HDFC Retirement Savings Fund Hybrid Debt Plan Growth
HDFC Short Term Debt Fund Growth
HDFC Money Market Fund Growth
HDFC Dynamic Debt Fund Growth
HDFC Overnight Fund Growth
HDFC Large and Mid Cap Fund Growth
HDFC ELSS Tax Saver Fund Growth
HDFC Hybrid Equity Fund Growth
HDFC Manufacturing Fund Growth
HDFC Hybrid Debt Fund Growth
HDFC Defence Fund Growth

NM
Nandita Menezes
Apr 2025 - Present
View details

Education
CA (ICAI, INDIA), B.Com (University of Mumbai)
Experience
Prior to joining HDFC AMC, she was associated with S.V. Ghatalia & Associates LLP.
Also manages these schemes
HDFC Multi Asset Allocation Fund Growth
HDFC BSE India Sector Leaders Index Fund Growth
HDFC BSE 500 Index Fund Growth
HDFC Nifty Smallcap 250 Index Fund Growth
HDFC NIFTY Midcap 150 Index Fund Growth
HDFC Nifty500 Multicap 50:25:25 Index Fund Growth
HDFC Equity Savings Fund Growth
HDFC Retirement Savings Fund Hybrid Equity Plan Growth
HDFC Nifty LargeMidcap 250 Index Fund Growth
HDFC Developed World Overseas Equity Passive FoF Growth
HDFC BSE Sensex Index Fund Growth
HDFC Nifty100 Quality 30 Index Fund Growth
HDFC Retirement Savings Fund Hybrid Debt Plan Growth
HDFC NIFTY200 Momentum 30 Index Fund Growth
HDFC BSE 500 ETF Growth
HDFC Nifty Smallcap 250 ETF Growth
HDFC NIFTY Midcap 150 ETF Growth
HDFC NIFTY 100 Equal Weight Index Fund Growth
HDFC Gold ETF Fund of Fund Growth
HDFC Balanced Advantage Fund Growth
HDFC Silver ETF FoF Growth
HDFC NIFTY 100 Index Fund Growth
HDFC NIFTY100 Low Volatility 30 Index Fund Growth
HDFC NIFTY50 Equal Weight Index Fund Growth
HDFC NIFTY 50 Index Fund Growth
HDFC Arbitrage Fund Wholesale Growth
HDFC Arbitrage Fund Retail Growth
HDFC Nifty Top 20 Equal Weight Index Fund Growth
HDFC NIFTY Next 50 Index Fund Growth
HDFC Retirement Savings Fund Equity Plan Growth
HDFC NIFTY Realty Index Fund Growth
HDFC Nifty India Digital Index Fund Growth

About HDFC Retirement Savings Fund Hybrid Debt Plan Growth

HDFC Retirement Savings Fund Hybrid Debt Plan Growth is a Hybrid Mutual Fund Scheme launched by HDFC Mutual Fund. This scheme was made available to investors on 10 Dec 1999. Shobhit Mehrotra is the Current Fund Manager of HDFC Retirement Savings Fund Hybrid Debt Plan Growth fund. The fund currently has an Asset Under Management(AUM) of ₹9,32,192 Cr and the Latest NAV as of 19 Jan 2026 is ₹21.82. The HDFC Retirement Savings Fund Hybrid Debt Plan Growth is rated Moderately High risk. Minimum SIP Investment is set to ₹100. ;

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
Scheme Information Document(SID)

Fund house

AMC Image
HDFC Mutual Fund
Rank (total assets)#2 in India
Total AUM₹9,32,192.06 Cr
Date of Incorporation10 Dec 1999
Phone022 – 66316333
E-mail[email protected]
Websitehttp://www.hdfcfund.com
Launch Date10 Dec 1999
Address"HDFC House", 2nd Floor, H. T. Parekh Marg, 165-166, BackbayReclamation, Churchgate Mumbai 400020
CustodianNA
Registrar & Transfer AgentCams
Email[email protected]
Websitewww.camsonline.com
Address7th Floor, Tower II, Rayala Towers, 158, Anna Salai,
Vaishnavi Tech Park, South Tower, 3rd FloorSarjapur Main Road, Bellandur, Bengaluru – 560103Karnataka
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