Direct Plan · Growth Option · Retirement Funds · Scheme code 136465
NAV₹24.3657as on 28 Oct 2026
Fund houseHDFC Mutual Fund
CategoryRetirement Funds
Plan & optionDirect · Growth Option
History10.5 years
Returns (%)
1M
3M
6M
1Y
3Y
5Y
7Y
10Y
Launch
This scheme
-0.31
2.07
0.10
2.71
7.13
7.47
8.55
8.41
9.05
Nifty 100 benchmark
0.25
3.49
-1.52
1.84
10.52
9.38
—
—
12.79
Retirement Funds category median
—
—
—
-3.54
8.10
7.85
—
9.44
—
Over a year annualised (CAGR), under a year absolute. Computed from AMFI's published
NAV history for this scheme.
Risk
Volatility
Sharpe
Sortino
Beta
Alpha
Max fall
R²
This scheme
4.3%
0.15
0.20
0.28
-0.50%
-7.8%
84.08
Nifty 100 benchmark
14.4%
0.28
0.40
—
—
-37.0%
—
Risk-free rate 6.5%. Beta, alpha and R² are regressed on the
36 months this scheme and its benchmark share.
Growth of ₹100 since launch
Drawdown from peak (%)
Every one-year period it has lived through
Windows
Worst
Median
Best
Periods that lost money
2,302
-0.3%
8.8%
19.6%
0%
Every one-year holding period in this scheme's history, not just the last one — the
spread a real investor would have met depending only on when they started.
How it behaves against its benchmark
Up capture
Down capture
Correlation
Tracking error
Information ratio
Treynor
41%
22%
0.92
10.6%
-0.33
2.26
Up capture is how much of the benchmark's gain this scheme kept in the months the
benchmark rose; down capture, how much of its fall it took. Below 100 on the down side and above it
on the up side is the combination every fund is trying for and few reach.
Measured over the 36 months this scheme and
Nifty 100 share.
HDFC Retirement Fund - Hybrid-Debt Plan
Direct Plan · Growth Option
Allocation
By asset
Debt
46.47%
Equity
41.97%
Cash & Equivalents
11.56%
By market cap
Large Cap
61.11%
Mid Cap
5.35%
Small Cap
15.66%
Unclassified
92.24%
Concentration
Number of stocks
49
Top 5 stocks
38.44%
Top 10 stocks
63.66%
Top 20 stocks
76.46%
Lines in the filing
51
Largest holding
9.37%
Largest sector
Sovereign 35.87%
Effective stocks
21.6
Sectors held
25
Cash
11.56%
Effective stocks is what the concentration works out to: a fund holding
49 names but most of its money in a few
behaves like a fund of 22. Cash includes repo and TREPS, which
every fund parks money in overnight.
Sector split
Sovereign
35.87%
Banks
13.14%
Cash & Equivalents
11.56%
CRISIL - AAA
10.60%
Construction
7.72%
Petroleum Products
5.78%
Retailing
1.93%
Auto Components
1.86%
Industrial Products
1.22%
Healthcare Services
1.19%
IT - Software
1.00%
Telecom - Services
0.99%
Automobiles
0.84%
Pharmaceuticals & Biotechnology
0.79%
Commercial Services & Supplies
0.72%
Beverages
0.66%
Transport Services
0.61%
Insurance
0.59%
Power
0.55%
Paper, Forest & Jute Products
0.52%
HDFC Retirement Fund - Hybrid-Debt Plan
Direct Plan · Growth Option · holdings
Top 30 holdings
#
Company
Sector
Shares held
Value ₹ cr
% of fund
1
6.67% GOI MAT 171250
Sovereign
1,500,000
13
9.37%
2
TREPS - Tri-party Repo
Unclassified
—
12
8.57%
3
ICICI Bank Ltd.
Banks
85,200
11
7.90%
4
Larsen and Toubro Ltd.
Construction
28,200
11
7.43%
5
Mahindra Rural Housing Finance Ltd
CRISIL - AAA
100
10
7.04%
6
6.48% GOI MAT 061035
Sovereign
1,000,000
10
6.70%
7
6.19% GOI MAT 160934
Sovereign
1,000,000
9
6.60%
8
Reliance Industries Ltd.
Petroleum Products
66,500
8
5.53%
9
7.57% GOI MAT 170633
Sovereign
750,000
8
5.38%
10
8.97% GOI MAT 051230
Sovereign
550,000
6
4.14%
11
7.5% GOI MAT 100834
Sovereign
500,000
5
3.57%
12
Indian Railways Finance Corp. Ltd.
CRISIL - AAA
50
5
3.56%
13
Net Current Assets
Unclassified
—
4
2.99%
14
HDFC Bank Ltd.
Banks
43,800
3
2.18%
15
State Bank of India
Banks
19,500
2
1.31%
16
Axis Bank Ltd.
Banks
13,000
2
1.12%
17
Bharti Airtel Ltd.
Telecom - Services
8,000
1
0.99%
18
Maruti Suzuki India Limited
Automobiles
1,000
1
0.84%
19
Firstsource Solutions Ltd.
Commercial Services & Supplies
40,000
1
0.72%
20
Vedant Fashions Ltd
Retailing
19,000
1
0.71%
21
Infosys Limited
IT - Software
10,000
1
0.70%
22
Suprajit Engineering Ltd.
Auto Components
20,000
1
0.67%
23
United Spirits Limited
Beverages
7,000
1
0.66%
24
Vishal Mega Mart Limited
Retailing
90,000
1
0.64%
25
City Union Bank Ltd.
Banks
40,000
1
0.63%
26
Kovai Medical Center & Hospital Ltd.
Healthcare Services
1,500
1
0.63%
27
Transport Corporation of India Ltd.
Transport Services
10,000
1
0.61%
28
Balkrishna Industries Ltd.
Auto Components
4,000
1
0.59%
29
SBI Life Insurance Company Ltd.
Insurance
5,000
1
0.59%
30
Shoppers Stop Ltd.
Retailing
20,000
1
0.58%
HDFC Retirement Fund - Hybrid-Debt Plan
Direct Plan · Growth Option · where the money sits
What the manager did last month
Between the filings of 30 Jun 2026 and 31 Jul 2026.
A position grows because the manager bought or because the price rose; only the share count separates them.
Bought
Sold
New positions
Sold out of
Price move of holdings
₹0 cr
₹0 cr
1
1
+1.26%
Stock
Shares traded
Shares
Price
Value ₹ cr
New position
GSPL Transmission Limited
5,128
entered
—
0.1
Sold out of
The Anup Engineering Limited
1,300
exited
—
0.3
Not equity
Previous filing
This filing
Change
Cash, repo and TREPS
₹0 cr
₹0 cr
+₹0 cr
Debt: bills, CDs and commercial paper
₹68 cr
₹68 cr
−₹0 cr
The list above is stocks and fund units. Treasury bills, repo and money-market
lines roll over every month by design — they are not decisions, so they are totalled here rather
than listed as activity.
A ₹10,000 monthly SIP over five years
Invested
Value
Gain
XIRR
₹600,000
₹714,053
₹114,053
6.90%
XIRR, not CAGR — a SIP's money arrives over sixty months, so each instalment has
been invested for a different length of time.
Not investment advice. InvestVerdict is not a SEBI-registered Investment
Adviser or Research Analyst. Every figure is computed from AMFI's published NAV history and the
portfolio the AMC filed with AMFI; none of it is a recommendation to buy, hold or sell. Past
returns do not predict future ones. Generated 30 Oct 2026.
