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HDFC Retirement Savings Fund Hybrid Debt Plan Growth
ELSS • 5Y Lock-in
Hybrid
Conservative Hybrid
Moderately High Risk
+8.63%
3Y annualised
-0.28% 1D
NAV: 27 Feb '26
₹21.91
Min. for SIP
Not Supported
Fund size
₹159.98 Cr
Expense ratio
2.16%
Holdings (56)
| Name | Sector | Instruments | Assets |
|---|---|---|---|
| GOI | Sovereign | GOI Sec | 8.66% |
| Tata Consultancy Services Ltd. | Technology | Equity | 6.99% |
| Larsen & Toubro Ltd. | Construction | Equity | 6.93% |
| Mahindra Rural Housing Finance Ltd. | Financial | NCD | 6.43% |
| GOI | Sovereign | GOI Sec | 6.16% |
| GOI | Sovereign | GOI Sec | 6.02% |
| Reliance Industries Ltd. | Energy | Equity | 5.80% |
| GOI | Sovereign | GOI Sec | 4.91% |
| GOI | Sovereign | GOI Sec | 3.79% |
| GOI | Sovereign | CGL | 3.27% |
| Indian Railway Finance Corporation Ltd. | Financial | Debenture | 3.22% |
| HDFC Bank Ltd. | Financial | Equity | 2.54% |
| ICICI Bank Ltd. | Financial | Equity | 2.54% |
| State Bank of India | Financial | Equity | 1.31% |
| Axis Bank Ltd. | Financial | Equity | 1.11% |
| Infosys Ltd. | Technology | Equity | 1.03% |
| Bharti Airtel Ltd. | Communication | Equity | 0.98% |
| Maruti Suzuki India Ltd. | Automobile | Equity | 0.91% |
| ICICI Lombard General Insurance Company Ltd. | Insurance | Equity | 0.68% |
| Transport Corporation Of India Ltd. | Services | Equity | 0.67% |
| SBI Life Insurance Company Ltd. | Insurance | Equity | 0.62% |
| City Union Bank Ltd. | Financial | Equity | 0.57% |
| ITC Ltd. | Consumer Staples | Equity | 0.50% |
| Power Grid Corporation Of India Ltd. | Energy | Equity | 0.48% |
| Lupin Ltd. | Healthcare | Equity | 0.47% |
| Vesuvius India Ltd. | Construction | Equity | 0.46% |
| Zensar Technologies Ltd. | Technology | Equity | 0.41% |
| Gujarat State Petronet Ltd. | Energy | Equity | 0.38% |
| Balkrishna Industries Ltd. | Automobile | Equity | 0.36% |
| Kalpataru Projects International Ltd. | Capital Goods | Equity | 0.36% |
| Alkem Laboratories Ltd. | Healthcare | Equity | 0.35% |
| Dr. Lal Pathlabs Ltd. | Healthcare | Equity | 0.35% |
| Lumax Industries Ltd. | Automobile | Equity | 0.33% |
| Gujarat Pipavav Port Ltd. | Services | Equity | 0.31% |
| Bayer CropScience Ltd. | Chemicals | Equity | 0.31% |
| Symphony Ltd. | Consumer Discretionary | Equity | 0.28% |
| The Ramco Cements Ltd. | Construction | Equity | 0.28% |
| Hindustan Petroleum Corporation Ltd. | Energy | Equity | 0.27% |
| Alembic Pharmaceuticals Ltd. | Healthcare | Equity | 0.24% |
| Vardhman Textiles Ltd. | Textiles | Equity | 0.23% |
| Finolex Cables Ltd. | Capital Goods | Equity | 0.23% |
| Gateway Distriparks Ltd. | Services | Equity | 0.22% |
| SKF India Ltd. | Capital Goods | Equity | 0.21% |
| Amagi Media Labs Ltd. | Technology | Equity | 0.21% |
| Goodyear India Ltd. | Automobile | Equity | 0.20% |
| Voltamp Transformers Ltd. | Capital Goods | Equity | 0.18% |
| United Spirits Ltd. | Consumer Staples | Equity | 0.17% |
| Huhtamaki India Ltd. | Chemicals | Equity | 0.17% |
| The Anup Engineering Ltd. | Capital Goods | Equity | 0.14% |
| PVR Inox Ltd. | Services | Equity | 0.12% |
| GOI | Sovereign | GOI Sec | 0.10% |
| Popular Vehicles And Services Ltd. | Services | Equity | 0.07% |
| Tenneco Clean Air India Ltd | Automobile | Equity | 0.04% |
| Reliance Industries Ltd. | Energy | Futures | -4.77% |
| Tata Consultancy Services Ltd. | Technology | Futures | -6.04% |
| Larsen & Toubro Ltd. | Construction | Futures | -6.21% |
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
| Name | 3Y | 5Y | 10Y | All |
|---|---|---|---|---|
| Fund returns | +8.6% | +7.5% | +8.0% | +8.1% |
| Category average (Hybrid Conservative Hybrid) | +9.1% | +8.0% | +7.8% | -- |
| Rank (Hybrid Conservative Hybrid) | 18 | 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%.
Check past data
Compare similar funds
| Name | 1Y | 3Y | Fund Size(Cr) | |
|---|---|---|---|---|
Parag Parikh Conservative Hybrid Fund Growth | +9.30% | +11.90% | 3,246.32 | |
SBI Conservative Hybrid Fund Growth | +9.58% | +10.22% | 9,760.91 | |
Aditya Birla Sun Life Savings Fund Growth | +9.72% | +9.53% | 1,533.28 | |
Nippon India Conservative Hybrid Fund Growth | +10.33% | +9.42% | 936.15 | |
ICICI Prudential Child Care Plan Study | +5.12% | +8.75% | 130.58 | |
| Compare | ||||
Fund management
SMShobhit MehrotraFeb 2016 - PresentView details
SM
Shobhit Mehrotra
Feb 2016 - Present
View details
AAArun AgarwalApr 2025 - PresentView details
AA
Arun Agarwal
Apr 2025 - 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 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 ₹9,37,232 Cr and the Latest NAV as of 27 Feb 2026 is ₹21.91.
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
Fund house
Rank (total assets)#2 in India
Total AUM₹9,37,232.21 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,