What is the NAV of HDFC Retirement Savings Fund - Hybrid-Debt Plan?

₹24.97 per unit as of 21 Aug 2026 (Direct plan, growth). NAV is declared daily on working days.

What is the expense ratio of HDFC Retirement Savings Fund - Hybrid-Debt Plan?

1.34% a year for the Direct plan, as of 30 Jun 2026.

How large is HDFC Retirement Savings Fund - Hybrid-Debt Plan?

₹148 crore under management as of 31 Jul 2026, in the Retirement Fund category.

How risky is HDFC Retirement Savings Fund - Hybrid-Debt Plan?

Its SEBI Riskometer reading is "Moderately High Risk". A goal-linked wrapper with a lock-in until retirement or five years.

What are the 5-year returns of HDFC Retirement Savings Fund - Hybrid-Debt Plan?

7.60% a year over the last 5 years (Direct plan, CAGR). Past returns do not predict future returns.

What is the worst 3-year return of HDFC Retirement Savings Fund - Hybrid-Debt Plan?

8.2% a year — the weakest of 25 overlapping 3-year holding periods, beginning 3 Apr 2023. The median was 9.7% and 100% of those windows ended positive. Windows overlap, so this is the range of past start dates, not a probability.

Who manages HDFC Retirement Savings Fund - Hybrid-Debt Plan?

Srinivasan Ramamurthy, managing this fund for 4.6 years.

HDFC Retirement Savings Fund - Hybrid-Debt Plan

HDFC Mutual FundDirectOpen-endedRetirement FundRiskometer: Moderately High Risk

NAV

₹24.97

as of 21 Aug 2026

HDFC Retirement Savings Fund - Hybrid-Debt Plan is an open-ended Retirement Fund scheme from HDFC Mutual Fund managing ₹148 crore (as of 31 Jul 2026). Its Direct-plan NAV is ₹24.97 as of 21 Aug 2026. The expense ratio is 1.34% a year. Managed by Srinivasan Ramamurthy. This page is factual data only — it carries no rating and no recommendation.

Key facts

Expense ratio: 1.34% / yr; as of 30 Jun 2026
Fund size: ₹148 crore; as of 31 Jul 2026
Exit load: None
SIP available: Yes
Launched: 25 Feb 2016
ISIN: INF179KB1MJ2

₹100 invested, fund vs category

The category line is the average of the funds in this category, built from NYVO’s own NAV data.

Rebased to 100data to 20 Aug 2026

Aug 2021Aug 2026

HDFC Retirement Savings Fund - Hybrid-Debt Plan

₹144

+44% on ₹100 over 5.0 yrs

Retirement Fund average

₹163

+63% on ₹100 over 5.0 yrs

Returns vs category

Window	Fund	Category avg	Gap
6 months	-0.02%	–	–
1 year	2.44%	–	–
3 years (CAGR)	7.38%	–	–
5 years (CAGR)	7.60%	–	–

No category average is available for this fund. Short windows are noise; the 3 and 5-year rows are the record. Past returns do not predict future returns.

Risk, measured

Sharpe ratio (3Y): 0.22
Sharpe ratio (5Y): 0.42
Sortino ratio (3Y): 0.29
Standard deviation (3Y): 4.29%
Deepest fall (5Y): -3.72%

Distance below its own peak

Every dip below 0 is the fund trading under a previous high — how deep and for how long is what a drawdown feels like.

Deepest fall

-3.7%

Right now

-0.5% below peak

Mar 2023Deepest: -3.8%Aug 2026

Where the money actually is

Equity

22.9%

Bonds

45.7%

Cash

31.4%

Whole-portfolio split, as of 31 Jul 2026. Equity here is the NET position: this fund holds shares and sells futures against them, so the two largely cancel. The holdings below are gross, before that offset.

What it owns

55 positions · top 10 = 43.6%

Market-cap mix (equity sleeve)

Large 14.2%Mid 2.4%Small 6.3%Other 77.1%

as of 31 Jul 2026

Holdings by sector

Financial Services(1 in top 10)14.7%
- ICICI Bank Ltd8.25%
Industrials(1 in top 10)9.8%
- Larsen & Toubro Ltd7.49%
Energy(1 in top 10)6.1%
- Reliance Industries Ltd5.87%
Consumer Cyclical2.4%
Technology1.9%
Healthcare1.7%
Communication Services1.4%
Utilities0.9%

Sectors marked ▶ expand to show this fund’s top-10 holdings in that sector. Holdings as of 31 Jul 2026. Portfolio turnover 8.9% a year.

Other top holdings

Treps - Tri-Party Repo10.30%
6.67% Govt Stock 2050matures 17 Dec 20509.27%
Mahindra Rural Housing Finance Limitedmatures 24 Sep 20326.85%
Future on Larsen & Toubro Ltdderivative6.72%
6.48% Govt Stock 2035matures 6 Oct 20356.59%
6.19% Govt Stock 2034matures 16 Sep 20346.51%
Future on ICICI Bank Ltdderivative5.81%

Rows marked derivative are futures positions held against the shares listed beside them. A stock and its future largely cancel, so do not add the two together. Exposure figures are gross: funds that use derivatives (arbitrage, hedged books) hold offsetting positions, so concentration and turnover can read above 100%.

The debt it holds (debt sleeve)

Yield to maturity: 6.65% vs category 6.79%
Modified duration: 4.95 yrs vs category 5.29 yrs
Average maturity: 8.03 yrs vs category 11.63 yrs
Average coupon: 7.33%
Government securities: 38.8%

Credit quality

AAA: 100.0%

Government securities are counted inside AAA by the data provider’s ladder; the sovereign share is listed separately above. Credit quality as of 30 Jun 2026.

Portfolio characteristics as of 31 Jul 2026. Yield to maturity is what the portfolio would return if every holding were held to maturity and paid in full. It is not a forecast of the fund’s return, and it is quoted before expenses.

Money in, money out

Net flow, 12 months: −₹17 cr
Net flow, 3 months: −₹7 cr

as of 31 Jul 2026. Flows follow performance more than they predict it.

Quick answers

What is the NAV of HDFC Retirement Savings Fund - Hybrid-Debt Plan?: ₹24.97 per unit as of 21 Aug 2026 (Direct plan, growth). NAV is declared daily on working days.
What is the expense ratio of HDFC Retirement Savings Fund - Hybrid-Debt Plan?: 1.34% a year for the Direct plan, as of 30 Jun 2026.
How large is HDFC Retirement Savings Fund - Hybrid-Debt Plan?: ₹148 crore under management as of 31 Jul 2026, in the Retirement Fund category.
How risky is HDFC Retirement Savings Fund - Hybrid-Debt Plan?: Its SEBI Riskometer reading is "Moderately High Risk". A goal-linked wrapper with a lock-in until retirement or five years.
What are the 5-year returns of HDFC Retirement Savings Fund - Hybrid-Debt Plan?: 7.60% a year over the last 5 years (Direct plan, CAGR). Past returns do not predict future returns.
What is the worst 3-year return of HDFC Retirement Savings Fund - Hybrid-Debt Plan?: 8.2% a year — the weakest of 25 overlapping 3-year holding periods, beginning 3 Apr 2023. The median was 9.7% and 100% of those windows ended positive. Windows overlap, so this is the range of past start dates, not a probability.
Who manages HDFC Retirement Savings Fund - Hybrid-Debt Plan?: Srinivasan Ramamurthy, managing this fund for 4.6 years.

Where this fund sits

Its shelf, all funds

Rt · Retirement fund →

A goal-linked wrapper with a lock-in until retirement or five years.

The money map

How big this shelf is in India →

The whole industry sized by real money, from AMFI’s monthly data.

Side by side

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Put it next to any other fund — growth, returns, risk and cost in one table.

One bet or two?

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Other Retirement Fund funds

Data: NYVO research systems; each block above states its own as-of date, and blocks with no data for this fund are omitted rather than estimated. NAV updates daily on working days. This page is factual information about one scheme. It is not investment advice, not a recommendation, and it carries no rating of any kind. Past performance does not predict future returns. Mutual fund investments are subject to market risks; read all scheme related documents carefully.