HDFC Retirement Savings Fund Hybrid Debt Direct Growth

HDFC Retirement Savings Fund Hybrid Debt Direct Growth

NAV as on 28-03-2025

₹ 23.55

0.1%

1D

Inception Returns

9.9%

/yr

Historical NAV & Returns

Absolute

zero opening, trading, fund transfer fee
208 people have invested ₹ 1.5L in HDFC Retirement Savings Fund Hybrid Debt Direct Growth in the last three months

About HDFC Retirement Savings Fund Hybrid Debt Direct Growth

HDFC Retirement Savings Fund Hybrid Debt Direct Growth is a hybrid fund. This fund was started on 25 February, 2016. The fund is managed by Srinivasan Ramamurthy, Shobhit Mehrotra. This fund gives you the benefit of diversification.

Key Parameters

  1. HDFC Retirement Savings Fund Hybrid Debt Direct Growth has ₹155 Cr worth of assets under management (AUM) as on Feb 2025 and is less than category average.
  2. The fund has an expense ratio 1.

Returns

HDFC Retirement Savings Fund Hybrid Debt Direct Growth has given a CAGR return of 9.88% since inception. Over the last 1, 3 and 5 years the fund has given a CAGR return of 8.45%, 9.85% and 10.83% respectively.

Holdings

HDFC Retirement Savings Fund Hybrid Debt Direct Growth has allocated its funds majorly in Government, Corporate, Cash Equivalent, Industrial, Tech, Financial Services, Energy, Consumer Cyclical, Consumer Defensive, Communication, Utilities, Health, Basic Materials.

Taxation

As it is a retirement mutual fund the taxation is as follows:
If the fund is equity oriented i.e. asset allocation of more than 65% in equity instruments:
For short term (less than a year) capital gains will be taxed at 20%
For long term (more than 1 year) capital gains will be taxed at 12.5% without indexation benefit
Long term gains up to Rs 1 lakh are exempt from taxation (more than 12 months).

Investment objective of HDFC Retirement Savings Fund Hybrid Debt Direct Growth

The investment objective of the Scheme is to provide long-term capital appreciation / income by investing in a mix of equity and debt instruments to help investors meet their retirement goals. There is no assurance that the investment objective of the Scheme will be realized.

Minimum Investment and lockin period

Minimum investment for lump sum payment is INR 100.00 and for SIP is INR 100.00. There is a lock in period for HDFC Retirement Savings Fund Hybrid Debt Direct Growth of 5 Years

HDFC Retirement Savings Fund Hybrid Debt Direct Growth Overview

Expense ratio1.02%
Benchmark
Nifty Composite Debt Index PR INR
AUM₹155 Cr
Inception Date25 February, 2016
Min Lumpsum/SIP₹100/₹100
Exit Load0%
Lock In5 Years
TurnOver
17.28%
STCGSelling mutual fund within 36 months, gains taxed at slab rates.
LTCGHolding over 3 years, gains taxed at slab rates without indexation.
Risk
Risk meter
pointer
Moderately High risk

Trailing Returns

as on (28-Mar-25)

Period
HDFC Retirement Savings Fund Hybrid Debt Direct Growth
Retirement Index
1M
2.6%
-
3M
0.5%
-
6M
-0.3%
-
1Y
8.5%
-
3Y
9.8%
-
5Y
10.8%
-

Fund Distribution

as on (28-Feb-25)

  • Equity 37%

  • Debt & Cash 63%

Large cap
30.5%

Small cap
5.5%

Mid cap
1%

Sector Allocation

Feb'25

Jan'25

Dec'24

Industrial
24.7%
Tech
24.2%
Financial Services
22.5%
Energy
11.7%
Consumer Cyclical
5.3%
Consumer Defensive
3.9%
Communication
2.6%
Utilities
1.7%
Health
1.7%
Basic Materials
1.6%
All changes are between Oct'69 and Dec'69
Parameters
Feb'25
Jan'25
Dec'24
AUM
₹ 154.7 Cr
₹ 158.7 Cr
₹ 160.1 Cr
  • AUM of the fund stands at 154.7 Cr as of Feb'25
  • AUM decreased by 4 Cr between Feb'25 and Jan'25
Top Stocks bought last month
Transport Corp of India Ltd's allocation increased from 0.66% to 0.72%
Transport Corp of India Ltd's allocation increased from 0.66% to 0.72%
Kalpataru Projects International Ltd's allocation increased from 0.35% to 0.41%
Kalpataru Projects International Ltd's allocation increased from 0.35% to 0.41%
Tmf Holdings Limited's allocation increased from 6.16% to 6.21%
Tmf Holdings Limited's allocation increased from 6.16% to 6.21%
Top Stocks sold last month
Tata Consultancy Services Ltd's allocation decreased from 8.72 % to 8.44 %
Tata Consultancy Services Ltd's allocation decreased from 8.72 % to 8.44 %
Larsen & Toubro Ltd's allocation decreased from 4.55 % to 4.44 %
Larsen & Toubro Ltd's allocation decreased from 4.55 % to 4.44 %
Reliance Industries Ltd's allocation decreased from 3.96 % to 3.76 %
Reliance Industries Ltd's allocation decreased from 3.96 % to 3.76 %

Top 3 Sectors in February were Government, Tech & Financial Services

Feb'25
Government
39%
Industrial
25%
Tech
24%
Jan'25
Government
39%
Tech
27%
Financial Services
22%
Fund
Feb'25
Jan'25
Dec'24
No of Holdings
53
59
58
Top 5 Company Concentration
23.5%
21.6%
21.5%
Company having highest exposure
Tata Consultancy Services Ltd (7.5%)
Tata Consultancy Services Ltd (8.5%)
Tata Consultancy Services Ltd (8.4%)
No of Sectors
12
12
12
Top 5 Sectors Concentration
144.1%
146.9%
144.7%
Sector having highest exposure
Government (49.6%)
Government (49%)
Government (48.6%)
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Srinivasan Ramamurthy
Srinivasan Ramamurthy
Fund Manager of HDFC Retirement Savings Fund Hybrid Debt Direct Growth, since 14 December 2021
Shobhit Mehrotra
Shobhit Mehrotra
Fund Manager of HDFC Retirement Savings Fund Hybrid Debt Direct Growth, since 26 February 2016
Fund House
HDFC Asset Management Co Ltd
Total Schemes
Total AUM
₹8.05L Cr
as on 28-Feb-2025
Address
HDFC Asset Management Company Limited,“HUL House”, 2nd Floor,,H.T. Parekh Marg,165-166, Backbay Reclamation,,Churchgate,
Phone
+912266316333
Website
cliser@hdfcfund.com

Mutual Fund Insights

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In the last 1 year, Aditya Birla Sun Life Retirement Fund - The 40s Pln Direct Growth has given 12.49% return, outperforming this fund by 4.03%.
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In the last 3 years, ICICI Prudential Retirement Fund Pure Equity Plan Direct Growth has given 20.67% return, outperforming this fund by 10.82% per annum.
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In the last 5 years, ICICI Prudential Retirement Fund Pure Equity Plan Direct Growth has given 32.76% return, outperforming this fund by 21.93% per annum.
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This fund has one of the lowest expense ratio in the category (retirement). Its expense ratio is 1.02% which is lower than the category average expense ratio of 1.44%.

HDFC Retirement Savings Fund Hybrid Debt Direct Growth Highlights

Risk meter
pointer

Moderately High risk

Investors understand that their principal will be at Moderately High risk
About the fund

About the fund

This fund has delivered an average annual returns of 9.88% since inception which is less than its category average return of 10.22%
Fund Allocations

Fund Allocations

This fund has an allocation of 36.97% in Equity, 47.99% in Debt and 15.03% in Cash related instruments
AUM size ₹155 Cr

AUM size ₹155 Cr

This fund has AUM of ₹155 Cr which is less than its category average of ₹ 731 Cr
Expense Ratio 1.02%

Expense Ratio 1.02%

This fund has an expense ratio of 1.02% which is less than its category average expense ratio of 1.55%

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Frequently Asked Questions for HDFC Retirement Savings Fund Hybrid Debt Direct Growth

The current NAV of HDFC Retirement Savings Fund Hybrid Debt Direct Growth is ₹23.55 as on 28-Mar-2025.
Existing (Absolute + CAGR) as on 28-Mar-2025.
HDFC Retirement Savings Fund Hybrid Debt Direct Growth
Absolute Returns
CAGR Returns
1 Month Returns
2.63%
2.63%
6 Month Returns
-0.32%
-0.32%
1 Year Returns
8.45%
8.45%
3 Years Returns
32.54%
9.85%
5 Years Returns
67.22%
10.83%
With INDmoney, the process of investing is very simple and involves zero commission.
  • Click Buy on the fund name.
  • Input the amount you are looking to invest.
  • Select Lump Sum or SIP (Weekly, Monthly or Quarterly).
  • Select your bank account and proceed with Payment.
1.02% as on March 2025
₹155 Cr as on March 2025
6.67% Govt Stock 2050(9.27%), Tata Consultancy Services Ltd(7.45%), Mahindra Rural Housing Finance Limited(6.56%), Tmf Holdings Limited(6.4%), 6.19% Govt Stock 2034(6.18%) as on March 2025
Government(31.25%), Corporate(16.75%), Cash Equivalent(15.03%) as on March 2025
AAA
72.93
AA
27.07
Srinivasan Ramamurthy, Shobhit Mehrotra are the fund managers of HDFC Retirement Savings Fund Hybrid Debt Direct Growth
The Exit load of HDFC Retirement Savings Fund Hybrid Debt Direct Growth is 0%