HDFC Retirement Savings Fund Hybrid Debt Direct Growth

HDFC Retirement Savings Fund Hybrid Debt Direct Growth

NAV as on 25-04-2025

₹ 23.92

-0.3%

1D

Inception Returns

10%

/yr

Historical NAV & Returns

Absolute

zero opening, trading, fund transfer fee
193 people have invested ₹ 1.4L 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 Shobhit Mehrotra, Srinivasan Ramamurthy. This fund gives you the benefit of diversification.

Key Parameters

  1. HDFC Retirement Savings Fund Hybrid Debt Direct Growth has ₹156 Cr worth of assets under management (AUM) as on Mar 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 9.99% since inception. Over the last 1, 3 and 5 years the fund has given a CAGR return of 8.97%, 10.47% and 10.91% respectively.

Holdings

HDFC Retirement Savings Fund Hybrid Debt Direct Growth has allocated its funds majorly in Cash Equivalent, Government, Industrial, Financial Services, Tech, Corporate, 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₹156 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 (25-Apr-25)

Period
HDFC Retirement Savings Fund Hybrid Debt Direct Growth
Retirement Index
1M
1.8%
-
3M
3.1%
-
6M
2.7%
-
1Y
9%
-
3Y
10.5%
-
5Y
10.9%
-

Fund Distribution

as on (31-Mar-25)

  • Equity 21.3%

  • Debt & Cash 78.7%

Large cap
31.4%

Small cap
5.8%

Mid cap
1%

Sector Allocation

Mar'25

Feb'25

Jan'25

Dec'24

Nov'24

Oct'24

Sep'24

Industrial
23.8%
Tech
22.6%
Financial Services
21.5%
Energy
15.3%
Consumer Cyclical
4.9%
Consumer Defensive
3.9%
Communication
2.6%
Utilities
2.1%
Health
1.7%
Basic Materials
1.5%
All changes are between Oct'69 and Dec'69
Parameters
Mar'25
Feb'25
Jan'25
AUM
₹ 158.9 Cr
₹ 154.7 Cr
₹ 158.7 Cr
  • AUM of the fund stands at 158.9 Cr as of Mar'25
  • AUM increased by 4.2 Cr between Mar'25 and Feb'25
Top Stocks bought last month
Hindustan Aeronautics Ltd Ordinary Shares's allocation increased from 0.38% to 0.39%
Hindustan Aeronautics Ltd Ordinary Shares's allocation increased from 0.38% to 0.39%
Top Stocks sold last month
State Bank of India's allocation decreased from 5.26 % to 0.97 %
State Bank of India's allocation decreased from 5.26 % to 0.97 %
Dr Reddy's Laboratories Ltd's allocation decreased from 0.61 % to 0.43 %
Dr Reddy's Laboratories Ltd's allocation decreased from 0.61 % to 0.43 %

Top 3 Sectors in March were Government, Industrial & Tech

Mar'25
Government
50%
Corporate
27%
Industrial
24%
Feb'25
Government
39%
Industrial
25%
Tech
24%
  • Equity

  • Debt & Cash

Holdings
Weight%
1M Change
Tata Consultancy Services Ltd
Tata Consultancy Services Ltd
7.48%
0%
Larsen & Toubro Ltd
Larsen & Toubro Ltd
6.31%
0%
Reliance Industries Ltd
Reliance Industries Ltd
5.34%
34.3%
ICICI Bank Ltd
ICICI Bank Ltd
2.55%
0%
HDFC Bank Ltd
HDFC Bank Ltd
2.52%
0%
  • Returns %

  • Fund Ratios

  • Overview

Fund
Mar'25
Feb'25
Jan'25
No of Holdings
53
53
59
Top 5 Company Concentration
23.5%
23.5%
21.6%
Company having highest exposure
Tata Consultancy Services Ltd (7.5%)
Tata Consultancy Services Ltd (7.5%)
Tata Consultancy Services Ltd (8.5%)
No of Sectors
12
12
12
Top 5 Sectors Concentration
128.7%
144.1%
146.9%
Sector having highest exposure
Government (39.2%)
Government (49.6%)
Government (49%)
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Shobhit Mehrotra
Shobhit Mehrotra
Fund Manager of HDFC Retirement Savings Fund Hybrid Debt Direct Growth, since 26 February 2016
Srinivasan Ramamurthy
Srinivasan Ramamurthy
Fund Manager of HDFC Retirement Savings Fund Hybrid Debt Direct Growth, since 14 December 2021
Fund House
HDFC Asset Management Co Ltd
Total Schemes
Total AUM
₹7.63L Cr
as on 31-Mar-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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Over the last 6 months, this fund has experienced a 4.4% drop in AUM moving from 162.98 Cr to 155.85 Cr.
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In the last 3 years, ICICI Prudential Retirement Fund Pure Equity Plan Direct Growth has given 22.53% return, outperforming this fund by 11.9% per annum.
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In the last 5 years, ICICI Prudential Retirement Fund Pure Equity Plan Direct Growth has given 31.55% return, outperforming this fund by 20.71% per annum.

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 9.99% since inception which is less than its category average return of 10.89%
Fund Allocations

Fund Allocations

This fund has an allocation of 21.28% in Equity, 47.3% in Debt and 31.42% in Cash related instruments
AUM size ₹156 Cr

AUM size ₹156 Cr

This fund has AUM of ₹156 Cr which is less than its category average of ₹ 775 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 1.54%

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 ₹23.92 as on 25-Apr-2025.
Existing (Absolute + CAGR) as on 25-Apr-2025.
HDFC Retirement Savings Fund Hybrid Debt Direct Growth
Absolute Returns
CAGR Returns
1 Month Returns
1.76%
1.76%
6 Month Returns
2.71%
2.71%
1 Year Returns
8.97%
8.97%
3 Years Returns
34.8%
10.47%
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
₹156 Cr as on March 2025
6.67% Govt Stock 2050(9.19%), Tata Consultancy Services Ltd(7.48%), Mahindra Rural Housing Finance Limited(6.42%), Larsen & Toubro Ltd(6.31%), Tmf Holdings Limited(6.28%) as on March 2025
Cash Equivalent(31.42%), Government(30.87%), Corporate(16.43%) as on March 2025
AAA
73.16
AA
26.84
Shobhit Mehrotra, Srinivasan Ramamurthy 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%