HDFC Retirement Savings Fund - Hybrid Debt Plan Direct-Growth
HDFC Retirement Savings Fund - Hybrid Debt Plan Direct-Growth: Mutual Fund Overview
HDFC Retirement Savings Fund - Hybrid Debt Plan Direct-Growth is an Conservative Hybrid mutual fund with over 10.04 years of performance history. The scheme manages an AUM of ₹160.34 Cr and has a NAV of ₹24.5871. It is rated '3' stars by analysts. Investors can begin a SIP with as little as ₹100.0, making it accessible for all types of investors. In the last 1 year, the fund has delivered a return of 6.37%.
Hybrid, Conservative Hybrid, Principal at moderately high risk
1 Year Return 6.37% at 12 Mar 2026 06:10 PM
Fund Details
NAV 24.5871
Sub-Type Conservative Hybrid
Rating 3
Min. SIP Amount ₹100.0
Fund Age(Year) 10.04
Fund Size(in Crores) 160.34
Fund Performance
1 Month -1.53%
3 Month -0.83%
6 Month 0.91%
1 Year 6.37%
3 Year 9.32%
5 Year 8.41%
Know This Fund
As on 12 Mar 2026
Investment strategy that balances risk & reward by dividing the investment portfolio among different types of asset classes.
Equity (95.78%) Market Cap Large Cap 74.43 Mid Cap 10.84 Small Cap 10.51 Top Sectors Financial 33.5 Communication 11.85 Automobile 9.96 Services 8.63 Capital Goods 7.41 Construction 5.04 Technology 4.88 Energy 4.64 Consumer Discretionary 4.12 Metals & Mining 2.55 Healthcare 2.28 Chemicals 0.92 Top Holding Motherson Wiring 3.62 Sumitomo Chemical India 0.92 Divi's Laboratories 2.28 HDFC Bank 3.88 Bajaj Finance 4.92 Cholamandalam Investment and Finance Company 5.46 CG Power 3.56 Larsen & Toubro 5.04 GE Vernova T&D 3.85 Eternal 2.91 Indus Towers 5.92 SIS 1.33 Bharti Airtel 5.83 Axis Bank 4.73 Shriram Finance 2.99 Premier Energies 2.72 Tata Motors 4.44 Aegis Vopak Terminals 1.93 Tech Mahindra 0.84 Bharti Airtel Ltd. - (Partly Paid up Equity Shares (Rights Issue)) 0.1 Crompton Greaves Con. Electricals 1.6 Physicswallah 1.01 The Indian Hotels Company 3.38 Infosys 3.16 Coforge 0.89 ICICI Bank 8.5 Kotak Mahindra Bank 3 Hero Motocorp 1.91 Vedanta 2.55 Titan Company 2.51
Debt & Others (4.22%) Sector Allocation Net Receivables 0.03 Repo 4.19 Debt Credit Ratings Debt Category Others 4.22
Comparison with same funds
Equity, Flexi Cap funds Aditya Birla Sun Life Income Fund Regular-Growth Ret 1M 0.85% Ret 1Y 4.58% Ret 3Y 6.65% Ret 5Y 5.81%
Equity, Flexi Cap funds Aditya Birla Sun Life Income Fund Regular-IDCW Ret 1M 0.85% Ret 1Y 4.58% Ret 3Y 6.65% Ret 5Y 5.81%
Equity, Flexi Cap funds Aditya Birla Sun Life Income Fund Regular-IDCW Quarterly Ret 1M 0.85% Ret 1Y 4.58% Ret 3Y 6.65% Ret 5Y 5.81%
Equity, Flexi Cap funds Aditya Birla Sun Life Income Fund Regular-IDCW Quarterly Reinvestment Ret 1M 0.85% Ret 1Y 4.58% Ret 3Y 6.65% Ret 5Y 5.81%
Equity, Flexi Cap funds Aditya Birla Sun Life Income Fund Regular-IDCW Reinvestment Ret 1M 0.85% Ret 1Y 4.58% Ret 3Y 6.65% Ret 5Y 5.81%
Equity, Flexi Cap funds Bandhan Medium to Long Duration Fund Regular-Growth Ret 1M 0.45% Ret 1Y 3.78% Ret 3Y 5.96% Ret 5Y 4.67%
Equity, Flexi Cap funds Bandhan Medium to Long Duration Fund Regular-IDCW Half Yearly Ret 1M 0.45% Ret 1Y 3.78% Ret 3Y 5.96% Ret 5Y 4.67%
Equity, Flexi Cap funds Bandhan Medium to Long Duration Fund Regular-IDCW Half Yearly Reinvestment Ret 1M 0.45% Ret 1Y 3.78% Ret 3Y 5.96% Ret 5Y 4.67%
Equity, Flexi Cap funds Bandhan Medium to Long Duration Fund Regular-IDCW Periodic Ret 1M 0.45% Ret 1Y 3.78% Ret 3Y 5.96% Ret 5Y 4.67%
Equity, Flexi Cap funds Bandhan Medium to Long Duration Fund Regular-IDCW Periodic Reinvestment Ret 1M 0.45% Ret 1Y 3.78% Ret 3Y 5.96% Ret 5Y 4.67%
Equity, Flexi Cap funds Bandhan Medium to Long Duration Fund Regular-IDCW Quarterly Ret 1M 0.45% Ret 1Y 3.78% Ret 3Y 5.96% Ret 5Y 4.67%
Charges & Taxes Expense Ratio
Returns are taxed as per your Income Tax Slab.
Expense Ratio (Inclusive of GST): 1.13%
Exit Load 0%
Stamp Duty 0.005%
Fund Management
The various expenses, charges and taxes associated with your Mutual Fund
Nandita Menezes
Education CA (ICAI, INDIA), B.Com (University of Mumbai)
Experience Prior to joining HDFC AMC, she was associated with S.V. Ghatalia & Associates LLP.
Arun Agarwal
Education Mr. Agarwal is a B.Com. and Chartered Accountant
Experience Prior to joining HDFC Asset Management Company Limited, he has worked with SBI Funds Management Pvt. Ltd., ICICI Bank Limited, UTI Asset Management Pvt. Ltd.
Anupam Joshi
Education Mr. Joshi is a PGDM in Business Management.
Experience Prior to joining HDFC Mutual Fund he has worked with IDFC AMC, Principal Asset Management Company and ICAP India Pvt. Ltd.
Dhruv Muchhal
Education Mr. Dhruv has done B.Com, CA and CFA
Experience Prior to joining HDFC MF,he has worked with Motilal Oswal Financial Services Ltd., Goldman Sachs, CRISIL Global Research & Analytics and Deloitte Haskins & Sells
Srinivasan Ramamurthy
Education Mr. Ramamurthy is an engineer by qualification from Jadavpur University and has done his MBA from IIM - Calcutta.
Experience Prior to joining HDFC Asset Management Company Limited, he has worked with Mahindra Mutual Fund, IDBI Federal Life Insurance, IIFL Capital Limited, Maybank Kim Eng, Credit Suisse and KPMG Advisory.
Shobhit Mehrotra
Education He is an MBA from Clemson University, USA.
Experience Prior to joining HDFC AMC he has worked with Franklin Templeton AMC, and ICRA.
Riskometer
Mutual Fund Investments are subject to market risk. Read all scheme related documents carefully.
Principal at moderately high risk
AMC and Fund details
Rank (total sets) 20
Date of Incorporation 2016-02-26
Total AUM 952319.77
The Scheme Seeks to generate returns from a portfolio of pure debt oriented funds accessed through the diverse investment styles of underlying schemes selected in accordance with the BSLAMC process.
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