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

The NAV is ₹21.7687 as at 03 Sept 2026, against ₹21.7522 on 02 Sept 2026 — a move of +0.08% over one day.

What are the returns of HDFC Retirement Savings Fund - Hybrid-Debt Plan - Growth Option?

Over 1 year it returned +1.26%, with a 3-year CAGR of +5.82% and a 5-year CAGR of +6.04%. Periods with no figure are shown as —, meaning the NAV history here does not cover them.

How volatile has it been?

Annualised volatility over the last three years is 3.77% and the deepest peak-to-trough fall in that window was -4.17%. The disclosed Sharpe ratio is -0.3. The SEBI riskometer label is Moderately High.

What is the minimum investment?

The minimum lumpsum is ₹100. Minimum SIP: Not present in the source. Check the scheme information document before investing.

Does GFS rate or rank this scheme?

GFS is an AMFI-registered distributor (ARN-169480), not a SEBI-registered investment adviser. It does not rate schemes. The comparisons on this page are sorts on publicly disclosed numbers — returns, expense ratio, volatility — and nothing more.

Why are some numbers blank?

A — means the figure is genuinely not in this dataset for this scheme, usually because its NAV history is shorter than the period. Across the 1648 schemes here, 91.1% have a 1-year figure, 68.3% a 3-year one and 49% a 5-year one. A blank is never filled with a zero or an estimate.

GFS » Mutual Fund » Retirement Fund » HDFC Retirement Savings Fund - Hybrid-Debt Plan - Growth Option

HDFC

HDFC Retirement Savings Fund - Hybrid-Debt Plan - Growth Option

Regular Growth

₹21.7687

+0.08% 1D

NAV · 03 Sept 2026 · previous ₹21.7522

Retirement Fund Risk: Moderately High 10.0y of NAV history

Min lumpsum₹100

Min SIP—

Minimum SIP: Not present in the source.

Start SIP One-time

Scorecard

↗

Performance23rd of 25 by 3Y CAGR

3Y CAGR 5.82% vs the Retirement Fund average of 9.49% (25 schemes with a 3Y figure). That places it 23rd of 25 of the Retirement Fund schemes carrying a 3Y figure, highest first.

⚠

RiskModerately High

Volatility 3.77% a year; deepest fall over 3Y -4.17%.

₹

Cost14th of 17 by expense

Expense ratio 1.35% vs a category average of 1.55% — 0.2 percentage points lower. Among Retirement Fund schemes disclosing an expense ratio it is 14th of 17, cheapest first.

⏱

Track record10.0y

NAV history in this dataset covers 10.0y — full periods available: 1Y, 3Y, 5Y, 10Y

↻

ConsistencyMedian 3Y 8.02%

Across 386 overlapping three-year windows starting between 26 Feb 2016 and 31 Aug 2023, this scheme returned between 3.9% and 10.55% a year, median 8.02%.

↓

Deepest fall-7.84%

The worst peak-to-trough fall in the published series was -7.84%, from 14 Feb 2020 to 23 Mar 2020, and the old level was regained 109 days after the trough — 147 days below the peak in all.

▦

Portfolio49 securities

The fund house’s own disclosure as at 31 Jul 2026 lists 49 securities, the largest five at 38.45% of the portfolio, with 14.08% in cash.

○

What is not shownDisclosed gaps

Rating and scheme AUM are deliberately absent — open for the reason on each.

Talk to GFS for a portfolio review and goal planning →

ⓘ Compared against the 28 Retirement Fund schemes in this dataset. Factual comparisons on disclosed numbers — GFS does not rate or rank schemes.

Published NAVNAV published by the AMC, sourced from AMFI

Change+117.2%change over the window — not annualised

Low / high₹10.02 / ₹22.0026 Feb 2016 · 6 Jan 2026

Last print+0.08%2 Sep 2026 → 3 Sep 2026

Prints2,545published NAVs, AMFI · axis does not start at zero

Returns

NAV and returns as at 03 Sept 2026

Lumpsum · point to point

1W -0.25%

1M -0.82%

3M +1.67%

6M -0.16%

YTD -0.89%

1Y +1.26%

2Y CAGR +2%

3Y CAGR +5.82%

5Y CAGR +6.04%

10Y CAGR +6.99%

SIP · XIRR on monthly instalments

6M SIP +2.27%

1Y SIP +0.45%

2Y SIP +1.68%

3Y SIP +3.46%

5Y SIP +5.53%

10Y SIP +6.65%

Full history SIP +6.73%

Periods up to one year are absolute; longer periods are annualised (CAGR). SIP figures are the XIRR of a fixed monthly instalment over the same window. — means this scheme’s NAV history does not cover that period — across all 1648 schemes, 68.3% have a 3-year figure, 49% a 5-year one, and 32.2% a 10-year one.

Returns vs category

This fund

+1.26%

Retirement Fund avg

+3.84%

This fund

+5.82%

Retirement Fund avg

+9.49%

This fund

+6.04%

Retirement Fund avg

+8.41%

Average is the mean of every Retirement Fund scheme in this dataset that discloses the period — 28 schemes at 1Y, 25 at 3Y, 24 at 5Y. Returns beyond one year are annualised.

Top holdings

as at 31 Jul 2026 · source: AMC monthly portfolio disclosure

6.67% GOI MAT 171250Sovereign 9.27%

ICICI Bank Ltd.Banks 8.25%

Larsen and Toubro Ltd.Construction 7.49%

Mahindra Rural Housing Finance Ltd^CRISIL - AAA 6.85%

6.48% GOI MAT 061035Sovereign 6.59%

6.19% GOI MAT 160934Sovereign 6.51%

Reliance Industries Ltd.Petroleum Products 5.87%

7.57% GOI MAT 170633^Sovereign 5.3%

8.97% GOI MAT 051230^Sovereign 4.06%

7.5% GOI MAT 100834Sovereign 3.52%

Top 10 63.71%Securities 49Securities total 85.92%Cash & equivalents 14.08%

The ten largest securities by weight, out of 49 disclosed. Weight is percent of net assets as filed. Cash-equivalent lines (TREPS, reverse repo, net receivables, margin) and derivative legs are counted in the chips above but not ranked among securities, because a short futures leg is filed as a negative weight and sorting it alongside a shareholding describes no portfolio. A portfolio is a point-in-time filing and changes every month.

Risk

Volatility · annualised · 3Y

3.77%

Max drawdown · 3Y

-4.17%

Sharpe ratio

-0.3

SEBI riskometer

Moderately High

Volatility is the annualised standard deviation of daily NAV moves over the last three years; max drawdown is the deepest peak-to-trough fall in that same window. Where a scheme has less than three years of NAV, the window is what it actually has and is labelled as such — never as three years. Sharpe is as disclosed in the scheme key-ratio feed (as at 24 July 2026).

Beta and alpha are not shown. No benchmark series in the source.

Cost

Expense ratio1.35%

Category average1.55%

Exit loadNil

52W high / low₹22.002 / ₹21.0854

Expense ratio 1.35% vs a category average of 1.55% — 0.2 percentage points lower. Among Retirement Fund schemes disclosing an expense ratio it is 14th of 17, cheapest first.

Expense ratio and category average are as disclosed against this scheme in the source; 78.5% of schemes here carry one. The ratio is charged inside the NAV, so every return on this page is already net of it.

Scheme facts

SEBI sub-category Retirement Fund

Plan / option Regular Growth

Benchmark NIFTY 50 Hybrid Composite Debt 15:85 Index

Fund manager Srinivasan Ramamurthy, Anupam Joshi, Nandita Menezes, Arun Agarwal

Launched 05 Feb 2016

NAV history here 10.0y

ISIN INF179KB1MJ2

AMFI scheme code 136466

SEBI riskometer Moderately High

Exit load Nil

Lock-in 5 years

Minimum lumpsum ₹100

Exit load, as disclosed: NIL - Upon completion of Lock-in Period

Not shown on this page, and why

Star rating — GFS is an AMFI-registered distributor (ARN-169480), not a SEBI-registered investment adviser. It does not rate schemes.

Scheme AUM — Scheme-level AUM is not in the source; only AMC-total AUM, which is a different number.

Minimum SIP — Not present in the source.

Beta and alpha — No benchmark series in the source.

Compare this scheme's mandate with another →

General SIP calculator

A general SIP illustration: your monthly amount grown at the annual rate you set below, compounded monthly. The rate is your assumption — it is not this scheme’s past return, not a forecast of it, and mutual fund returns are not assured.

Monthly SIP₹10,000

Tenure10 years

Assumed annual return12%

Invested₹12,00,000

Est. gain₹11,23,391

Total value₹23,23,391

Redeem Buy / SIP