HDFC Retirement Savings Fund Hybrid Debt Direct Growth

HDFC Retirement Savings Fund Hybrid Debt Direct Growth

Hybrid

Direct

Retirement

NAV as on 29-10-2024

₹ 23.35

Inception Returns

10.2%

/yr

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 ₹163 Cr worth of assets under management (AUM) as on Sep 2024 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 10.24% since inception. Over the last 1, 3 and 5 years the fund has given a CAGR return of 15.49%, 9.66% and 10.28% respectively.

Holdings

HDFC Retirement Savings Fund Hybrid Debt Direct Growth has allocated its funds majorly in Government, Cash Equivalent, Tech, Corporate, Industrial, Financial Services, Health, Consumer Defensive, Consumer Cyclical, Energy, Communication, Utilities, 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 15%
For long term (more than 1 year) capital gains will be taxed at 10% without indexation benefit
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

Historical NAV & Returns

Annualised

zero opening, trading, fund transfer fee
254 people have invested ₹ 3.3L in HDFC Retirement Savings Fund Hybrid Debt Direct Growth in the last three months

HDFC Retirement Savings Fund Hybrid Debt Direct Growth Overview

Expense ratio1.02%
Benchmark
Nifty Composite Debt Index PR INR
AUM₹163 Cr
Inception Date25 February, 2016
Min Lumpsum/SIP₹100/₹100
Exit Load0%
Lock In5 Years
TurnOver
17.28%
STCGSelling 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 (29-Oct-24)

Period
HDFC Retirement Savings Fund Hybrid Debt Direct Growth
Retirement Index
1M
-1.4%
-
3M
1.3%
-
6M
6.3%
-
1Y
15.5%
-
3Y
9.7%
-
5Y
10.3%
-

Fund Distribution

as on (30-Sep-24)

  • Equity 35.8%

  • Debt & Cash 64.2%

Sector Allocation

Sep'24

Aug'24

Jul'24

Tech
27.2%
Industrial
23.3%
Financial Services
22.4%
Health
5.5%
Consumer Defensive
5%
Consumer Cyclical
4.8%
Energy
4.1%
Communication
3.4%
Utilities
2.4%
Basic Materials
1.9%
All changes are between Oct'69 and Dec'69
Parameters
Sep'24
Aug'24
Jul'24
AUM
₹ 162.8 Cr
₹ 161.7 Cr
₹ 161.3 Cr
  • AUM of the fund stands at 162.8 Cr as of Sep'24
  • AUM increased by 1.1 Cr between Sep'24 and Aug'24

Top 3 Sectors in September were Government, Tech & Industrial

Sep'24
Tech
27%
Industrial
23%
Financial Services
22%
Aug'24
Government
40%
Tech
28%
Industrial
24%
Fund
Sep'24
Aug'24
Jul'24
No of Holdings
60
61
61
Top 5 Company Concentration
18.9%
19.5%
19.2%
Company having highest exposure
Tata Consultancy Services Ltd (8.6%)
Tata Consultancy Services Ltd (9.3%)
Tata Consultancy Services Ltd (9%)
No of Sectors
12
12
12
Top 5 Sectors Concentration
83.5%
146.5%
146.5%
Sector having highest exposure
Tech (27.2%)
Government (47.9%)
Government (48.2%)
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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
₹7.87L Cr
as on 30-Sep-2024
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

Insights icon
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 1.38%.
Insights icon
In the last 3 years, ICICI Prudential Retirement Fund Pure Equity Plan Direct Growth has given 25.38% return, outperforming this fund by 15.72% per annum.
Insights icon
In the last 1 year, ICICI Prudential Retirement Fund Pure Equity Plan Direct Growth has given 50.69% return, outperforming this fund by 35.2%.
Insights icon
In the last 5 years, ICICI Prudential Retirement Fund Pure Equity Plan Direct Growth has given 26.09% return, outperforming this fund by 15.81% 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 10.24% since inception which is less than its category average return of 12.17%
Fund Allocations

Fund Allocations

This fund has an allocation of 35.81% in Equity, 45.86% in Debt and 18.33% in Cash related instruments
AUM size ₹163 Cr

AUM size ₹163 Cr

This fund has AUM of ₹163 Cr which is less than its category average of ₹ 832 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 1.51%

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 ₹23.35 as on 29-Oct-2024.
Existing (Absolute + CAGR) as on 29-Oct-2024.
HDFC Retirement Savings Fund Hybrid Debt Direct Growth
Absolute Returns
CAGR Returns
1 Month Returns
-1.36%
-1.36%
6 Month Returns
6.3%
6.3%
1 Year Returns
15.49%
15.49%
3 Years Returns
31.88%
9.66%
5 Years Returns
63.14%
10.28%
With INDmoney, the process of investing is very simple and involves zero commission.
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  • Select Lump Sum or SIP (Weekly, Monthly or Quarterly).
  • Select your bank account and proceed with Payment.
1.02% as on September 2024
₹163 Cr as on September 2024
6.67% Govt Stock 2050(8.93%), Tata Consultancy Services Ltd(8.33%), Mahindra Rural Housing Finance Limited(6.23%), Tmf Holdings Limited(6.09%), 6.19% Govt Stock 2034(5.87%) as on September 2024
Government(29.93%), Cash Equivalent(18.33%), Corporate(15.94%) as on September 2024
AAA
73.22
AA
13.52
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%