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

₹43 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-Equity Plan?

1.1% a year for the Direct plan, as of 30 Jun 2026.

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

₹1,630 crore under management as of 31 Jul 2026, in the Retirement Fund category.

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

Its SEBI Riskometer reading is "Very 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-Equity Plan?

10.47% 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-Equity Plan?

11.5% a year — the weakest of 25 overlapping 3-year holding periods, beginning 3 Apr 2023. The median was 15.9% 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-Equity Plan?

Srinivasan Ramamurthy, managing this fund for 4.6 years.

HDFC Retirement Savings Fund - Hybrid-Equity Plan

HDFC Mutual FundDirectOpen-endedRetirement FundRiskometer: Very High Risk

NAV

₹43

as of 21 Aug 2026

HDFC Retirement Savings Fund - Hybrid-Equity Plan is an open-ended Retirement Fund scheme from HDFC Mutual Fund managing ₹1,630 crore (as of 31 Jul 2026). Its Direct-plan NAV is ₹43 as of 21 Aug 2026. The expense ratio is 1.1% a year. Managed by Srinivasan Ramamurthy. This page is factual data only — it carries no rating and no recommendation.

Key facts

Expense ratio: 1.1% / yr; as of 30 Jun 2026
Fund size: ₹1,630 crore; as of 31 Jul 2026
Exit load: None
SIP available: Yes
Launched: 25 Feb 2016
ISIN: INF179KB1MH6

₹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 2026Benchmark: NIFTY 50 Hybrid Composite Debt 65:35 Index

Aug 2021Aug 2026

HDFC Retirement Savings Fund - Hybrid-Equity Plan

₹165

+65% 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	-3.72%	–	–
1 year	-2.25%	–	–
3 years (CAGR)	8.81%	–	–
5 years (CAGR)	10.47%	–	–

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): 0.26
Sharpe ratio (5Y): 0.49
Sortino ratio (3Y): 0.36
Standard deviation (3Y): 10.59%
Deepest fall (5Y): -11.61%

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

-11.6%

Right now

-5.3% below peak

Apr 2023Deepest: -11.3%Aug 2026

Where the money actually is

Equity

74.7%

Bonds

16.9%

Cash

8.4%

Whole-portfolio split, as of 31 Jul 2026. The size split below covers only the equity slice of this.

What it owns

80 positions · top 10 = 36.1%

Market-cap mix (equity sleeve)

Large 47.3%Mid 7.7%Small 19.6%Other 25.4%

as of 31 Jul 2026

Holdings by sector

Financial Services(5 in top 10)28.0%
- ICICI Bank Ltd6.16%
- HDFC Bank Ltd5.51%
- State Bank of India3.15%
- Kotak Mahindra Bank Ltd3.11%
- Axis Bank Ltd3.02%
Industrials9.3%
Consumer Cyclical(1 in top 10)8.3%
- Maruti Suzuki India Ltd2.62%
Technology6.8%
Healthcare6.5%
Energy(1 in top 10)4.2%
- Reliance Industries Ltd3.61%
Communication Services(1 in top 10)3.0%
- Bharti Airtel Ltd2.42%
Utilities2.9%

Sectors marked ▶ expand to show this fund’s top-10 holdings in that sector. Holdings as of 31 Jul 2026. Portfolio turnover 11.1% a year.

Other top holdings

Treps - Tri-Party Repo7.74%
Bajaj Finance Limitedmatures 2 May 20344.30%

The debt it holds (debt sleeve)

Yield to maturity: 6.57% vs category 6.79%
Modified duration: 3.78 yrs vs category 5.29 yrs
Average maturity: 5.38 yrs vs category 11.63 yrs
Average coupon: 7.35%
Government securities: 10.2%

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: −₹5 cr
Net flow, 3 months: −₹21 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-Equity Plan?: ₹43 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-Equity Plan?: 1.1% a year for the Direct plan, as of 30 Jun 2026.
How large is HDFC Retirement Savings Fund - Hybrid-Equity Plan?: ₹1,630 crore under management as of 31 Jul 2026, in the Retirement Fund category.
How risky is HDFC Retirement Savings Fund - Hybrid-Equity Plan?: Its SEBI Riskometer reading is "Very 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-Equity Plan?: 10.47% 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-Equity Plan?: 11.5% a year — the weakest of 25 overlapping 3-year holding periods, beginning 3 Apr 2023. The median was 15.9% 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-Equity 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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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. The benchmark (NIFTY 50 Hybrid Composite Debt 65:35 Index) is named for reference only; its values are licensed and never shown. 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.