HDFC Retirement Savings Fund-Hybrid Debt-Dir (G)
Retirement FundNAV
24.42(0.16%)Fund Size (CR)
₹152.59Expense Ratio
1.16Scheme Type
Active FundValue Research
-
Min. investment
₹100Minimum Additional Investment
₹100Minimum SIP Investment
₹100Minimum Withdrawal
₹100Exit Load
0%Return Since Launch
9.07%
Basic Details
Scheme Manager
Shobhit Mehrotra
Bench Mark
NIFTY 50 Hybrid Composite Debt 15:85 Index
Type
OPEN
Lumpsum Returns
| Period Invested For | ₹10,000 Invested on | Latest Value | Absolute Returns | Annualised Returns | Category Avg | Rank within Category |
|---|---|---|---|---|---|---|
| 1 Week | May 29, 2026 | 10009.63 | 0.10% | - | -0.29% | 23/106 |
| 1 Month | May 5, 2026 | 9976.10 | -0.24% | - | -0.50% | 45/106 |
| 3 Month | March 5, 2026 | 9861.69 | -1.38% | - | -0.01% | 79/106 |
| 6 Month | December 5, 2025 | 9814.64 | -1.85% | - | -2.27% | 41/106 |
| 1 Year | June 5, 2025 | 10026.11 | 0.26% | 0.26% | 0.49% | 46/106 |
| 3 Year | June 5, 2023 | 12395.61 | 23.96% | 7.41% | 10.99% | 70/94 |
| 5 Year | June 4, 2021 | 14338.87 | 43.39% | 7.47% | 9.59% | 57/90 |
| Since Inception | February 26, 2016 | 24420.10 | 144.20% | 9.07% | 10.23% | 60/106 |
Note: Lumpsum Returns since Inception Date.
SIP Returns
| Period Invested For | ₹10,000 Invested on | Investments | Latest Value | Absolute Returns | Annualised Returns |
|---|---|---|---|---|---|
| 1 Year | July 1, 2025 | 1,20,000 | 119459.72 | -0.45% | -0.45% |
| 3 Year | July 3, 2023 | 3,60,000 | 384456.72 | 6.79% | 2.22% |
| 5 Year | July 1, 2021 | 6,00,000 | 707966.07 | 17.99% | 3.36% |
| 10 Year | July 1, 2016 | 12,00,000 | 1799371.46 | 49.95% | 4.13% |
Note: SIP Returns since Inception Date.
Tax Treatment
If sold after 1 year from purchase date, long term capital gain tax will be applicable. Current tax rate is 10%, if your total long term capital gain exceeds 1 lakh. Any cess/surcharge is not included.If sold before 1 year from purchase date, short term capital gain tax will be applicable. Current tax rate is 15%. Any cess/surcharge is not included in the 15%.
Mutual Funds Calculator
Monthly Investment (₹)
Expected Returns Rate (%)
Time Period (in Years)
Invested Amount
₹25,000
Estimated Returns
₹19,059
76%
Returns
Future value of your investment
₹44,059
Risk Ratios
1.24%
Standard Deviation
0.30%
Beta
0.23%
Sharpe Ratio
-0.04%
Treynor's Ratio
0.82%
Jension's Alpha
Asset Allocation
Sector Allocation
Top 10 stock holding in portfolio
| Stock Invested in | % of Total Holdings | Quantity | Value (Cr) | Asset Type | Segment |
|---|---|---|---|---|---|
| Larsen & Toubro | 7.28% | 28200 | 11.02 | Equity | Infrastructure Developers & Operators |
| ICICI Bank | 7.00% | 85200 | 10.60 | Equity | Banks |
| Reliance Industr | 5.87% | 66500 | 8.89 | Equity | Refineries |
| HDFC Bank | 2.22% | 43800 | 3.36 | Equity | Banks |
| SBI | 1.24% | 19500 | 1.88 | Equity | Banks |
| Axis Bank | 1.07% | 13000 | 1.62 | Equity | Banks |
| Bharti Airtel | 1.01% | 8000 | 1.52 | Equity | Telecom-Service |
| Maruti Suzuki | 0.87% | 1000 | 1.32 | Equity | Automobile |
| TCS | 0.75% | 5000 | 1.13 | Equity | IT - Software |
| Infosys | 0.74% | 10000 | 1.12 | Equity | IT - Software |
Peer Comparison
| Scheme Name | Value Research | Asset Size (Cr) | 1M | 3M | 6M | 1Y | 3Y |
|---|---|---|---|---|---|---|---|
| HDFC Retirement Savings Fund-Hybrid Debt-Dir (G) | 152.59 | -0.24% | -1.38% | -1.85% | 0.26% | 7.41% | |
| Aditya Birla SL Retirement-The 30s Plan-Dir (IDCW) | 433.33 | 1.78% | 7.59% | 4.04% | 10.02% | 18.00% | |
| Aditya Birla SL Retirement-The 30s Plan-Dir (G) | 433.33 | 1.78% | 7.58% | 4.04% | 10.02% | 17.99% | |
| ICICI Pru Retirement Fund - Hybrid AP - Dir (IDCW) | 1156.55 | 0.36% | 2.81% | 1.50% | 9.43% | 21.21% | |
| ICICI Pru Retirement Fund - Hybrid AP - Dir (G) | 1156.55 | 0.36% | 2.81% | 1.50% | 9.40% | 21.20% | |
| ICICI Pru Retirement Fund - Pure Equity - Dir (IDCW) | 1868.90 | -1.92% | 2.39% | 0.59% | 8.27% | 23.86% |
List of Schemes under HDFC Mutual Fund
News
Temporary restriction of lumpsum subscriptions in two schemes of HDFC Mutual Fund
HDFC Mutual Fund has announced a temporary restriction on lumpsum subscriptions in following schemes.HDFC Gold ETF Fund of Fund ' Lumpsum purchase/switch-ins shall be subject to the Rs 10 lakh per PAN per month limit, effective June 5, 2026.
HDFC Gold ETF ' Lumpsum subscriptions of minimum Rs. 25 Cr shall be restricted, effective June 8, 2026.
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HDFC Mutual Fund restricts fresh investments in Gold ETF schemes
HDFC Mutual Fund has temporarily restricted fresh investments in its gold exchange-traded fund (ETF) offerings amid prevailing economic and market conditions.In an addendum dated 4 June 2026, the fund house said that subscription transactions by large investors directly into the HDFC Gold ETF will not be accepted from 8 June 2026 onwards. The restriction applies to investments of at least Rs 25 crore made directly with the fund.
The asset manager has also imposed limits on lump sum investments in the HDFC Gold ETF Fund of Fund (FOF). Under the revised rules, lump sum purchases and switch-ins into the scheme will be processed only up to Rs 10 lakh per PAN per calendar month at the first-holder level.
The limit for the FOF will be applicable to transactions received after the cut-off time of 3:00 PM on 5 June 2026.
HDFC Mutual Fund said the restrictions are temporary and will remain in force until further notice. The fund house did not specify the duration of the measures.
The changes affect only fresh lump sum subscriptions, while all other terms and conditions of the schemes remain unchanged, the fund house added.
The addendum forms an integral part of the Scheme Information Document (SID) and Key Information Memorandum (KIM) of both schemes.
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HDFC FMP 1359D September 2022 - Series 46 and HDFC FMP 1406D August 2022 - Series 46 Merger into HDFC Banking and PSU Debt Fund
HDFC Mutual Fund has approved the merger of HDFC FMP 1359D September 2022 - Series 46 and HDFC FMP 1406D August 2022 - Series 46 Merger into HDFC Banking and PSU Debt Fund, with effect from 30 June, 2026.Powered by Capital Market - Live News
Fund House Details & Investment Objective
Date of Incorporation
February 5, 2016
Total AUM (Cr)
₹151.40
HDFC Retirement Savings Fund-Hybrid Debt-Dir (G) is an Retirement Fund-oriented fund from the renowned AMC, HDFC Mutual Fund. Launched in February 5, 2016, this fund is managed by Shobhit Mehrotra. With assets under management (AUM) worth ₹151.4 (Cr), as of June 5, 2026, HDFC Retirement Savings Fund-Hybrid Debt-Dir (G) is categorized as a Retirement Fund within its segment. The fund has generated a return of 9.07% since its launch.
The current NAV of HDFC Retirement Savings Fund-Hybrid Debt-Dir (G) is ₹24.42, as on June 5, 2026. The fund's benchmark index is NIFTY 50 Hybrid Composite Debt 15:85 Index. You can invest in HDFC Retirement Savings Fund-Hybrid Debt-Dir (G) via both lumpsum and SIP modes. The minimum SIP amount in the fund is ₹100 while the minimum lumpsum investment is ₹100.
Being an open-ended fund, you can exit the fund anytime subject to applicable exit loads:
The fund has generated 7.41% and 7.47% CAGR in the last 3 and 5 years respectively.
The fund aims to provide long-term capital appreciation and growth, by investing in a mix of financial instruments 38.68% in Equity, 57.07% in Debt and 4.25% in cash and cash equivalents.
The top 5 sectors the fund invests in are: 59.31% in Debt, 6.76% in Construction, 6.73% in Banks, 6.63% in IT-Software, 6.03% in Petroleum Products
Mutual Fund Categories
Types of Mutual Funds
Debt Funds
Access debt markets and enjoy interest income from bonds and debentures. Ideal for conservative short-term investors
Hybrid Funds
Enjoy best of both the worlds - equity and debt. Ideal for beginners with medium-term investment horizon
Equity Funds
Invest in large, mid, and small cap sector stocks to enjoy capital appreciation. Ideal for aggressive, long-term investors