Hdfc Retirement Savings Fund - Hybrid - Debt Plan Datagrid
Category Retirement Fund
BMSMONEY Rank 11
Rating
Growth Option 21-01-2026
NAV ₹21.74(R) -0.11% ₹24.67(D) -0.11%
Returns 1Y 3Y 5Y 7Y 10Y
Lumpsum Regular 4.98% 8.22% 7.39% 7.88% -%
Direct 6.13% 9.43% 8.65% 9.12% -%
Nifty 500 TRI 7.59% 15.12% 14.87% 15.16% 15.41%
SIP (XIRR) Regular 2.83% 6.39% 7.17% 7.65% -%
Direct 3.96% 7.59% 8.41% 8.9% -%
Ratio Sharpe Ratio Sortino Ratio Sterling Ratio Jensen's Alpha Treynor Ratio
0.83 0.4 0.67 4.32% 0.12
Risk STD. Dev VaR 1Y95% Max DD Beta Semi Devi.
3.4% -3.02% -3.01% 0.24 2.47%
Fund AUM As on: 30/06/2025 161 Cr
Top Retirement Fund
Fund Name Rank Rating
Icici Prudential Retirement Fund - Pure Equity Plan 1
Icici Prudential Retirement Fund - Hybrid Aggressive Plan 2
Hdfc Retirement Savings Fund - Equity Plan 3
Union Retirement Fund 4
Icici Prudential Retirement Fund - Hybrid Conservative Plan 5
UTI Retirement Fund 6

NAV Date: 21-01-2026

Scheme Name NAV Rupee Change Percent Change
HDFC Retirement Savings Fund - Hybrid-Debt Plan - Growth Option 21.74
-0.0200
-0.1100%
HDFC Retirement Savings Fund - Hybrid-Debt Plan - Growth Option - Direct Plan 24.67
-0.0300
-0.1100%

Review Date: 21-01-2026

Beginning of Analysis

In the Retirement Fund category, Hdfc Retirement Savings Fund - Hybrid - Debt Plan is the 13th ranked fund. The category has total 26 funds. The Hdfc Retirement Savings Fund - Hybrid - Debt Plan has shown an average past performence in Retirement Fund. The fund has a Jensen Alpha of 4.32% which is higher than the category average of 2.92%. Here the fund has shown very good performance in terms of risk adjusted returns. The fund has a Sharpe Ratio of 0.83 which is higher than the category average of 0.78.
The past performance of the fund may or may not be sustained in the future. The review is not investment advice nor is it a recommendation to buy or sell funds. The ranking is based on proprietary methodology developed by bmsmoney. The methodology is based on the past performance of the funds and does not guarantee future performance.
Retirement Mutual Funds

Hdfc Retirement Savings Fund - Hybrid - Debt Plan Return Analysis

The Hdfc Retirement Savings Fund - Hybrid - Debt Plan has delivered a mixed performance across various time horizons, showcasing both strengths and challenges when compared to its Retirement Fund peers and the Nifty 500 TRI benchmark. This analysis examines the fund’s returns over periods ranging from one month to ten years, alongside its Systematic Investment Plan (SIP) performance, highlighting its rankings within the Retirement Fund category and its ability to outperform or underperform the benchmark and category averages.

  • The fund has given a return of -0.78%, -0.17 and 0.77 in last one, three and six months respectively. In the same period the category average return was -2.56%, -2.31% and -1.0% respectively.
  • Hdfc Retirement Savings Fund - Hybrid - Debt Plan has given a return of 6.13% in last one year. In the same period the Nifty 500 TRI return was 7.59%. The fund has given 1.46% less return than the benchmark return.
  • The fund has given a return of 9.43% in last three years and rank 20th out of 26 funds in the category. In the same period the Nifty 500 TRI return was 15.12%. The fund has given 5.69% less return than the benchmark return.
  • Hdfc Retirement Savings Fund - Hybrid - Debt Plan has given a return of 8.65% in last five years and category average returns is 11.47% in same period. The fund ranked 15th out of 21 funds in the category. In the same period the Nifty 500 TRI return was 14.87%. The fund has given 6.22% less return than the benchmark return.
  • The fund has given a SIP return of 3.96% in last one year whereas category average SIP return is 2.94%. The fund one year return rank in the category is 12th in 29 funds
  • The fund has SIP return of 7.59% in last three years and ranks 20th in 26 funds. Icici Prudential Retirement Fund - Pure Equity Plan has given the highest SIP return (19.26%) in the category in last three years.
  • The fund has SIP return of 8.41% in last five years whereas category average SIP return is 11.12%.

Hdfc Retirement Savings Fund - Hybrid - Debt Plan Risk Analysis

  • The fund has a standard deviation of 3.4 and semi deviation of 2.47. The category average standard deviation is 8.01 and semi deviation is 5.9.
  • The fund has a Value at Risk (VaR) of -3.02 and a maximum drawdown of -3.01. The category average VaR is -9.65 and the maximum drawdown is -9.97. The fund has a beta of 0.24 which shows that fund is less volatile than the benchmark.

Standard deviation measures the fund's return volatility and Semi deviation focuses on downside volatility. Value at Risk (VaR) is a measure of the risk of investments. Maximum Drawdown is the maximum loss from a peak to a trough of a portfolio. Beta measures the volatility of the fund compared to the benchmark. A beta of 1 indicates that the fund will move in line with the benchmark. A beta of more than 1 indicates that the fund will be more volatile than the benchmark and vice versa.


  • Very Good Performance in Retirement Fund Category
  • Good Performance in Retirement Fund Category
  • Poor Performance in Retirement Fund Category
  • Very Poor Performance in Retirement Fund Category

    • Investors beware: Mutual Fund investments are subject to market risks. Please read the scheme related documents carefully.

    Data Source: www.amfiindia.com

    SEBI Categorization


    KPIs* Fund Nifty 500 TRI Cat. Avg Min | Max Rank (In Cat.) Performance
    1M Return % -0.86 -4.29
    -2.65
    		-5.86 | 0.43 7 | 29 Very Good
    3M Return % -0.44 -3.74
    -2.59
    		-8.16 | 1.30 5 | 29 Very Good
    6M Return % 0.22 -1.92
    -1.56
    		-8.24 | 2.66 5 | 29 Very Good
    1Y Return % 4.98 7.59
    5.46
    		-0.19 | 13.79 15 | 29 Good
    3Y Return % 8.22 15.12
    12.09
    		5.17 | 23.17 20 | 26 Average
    5Y Return % 7.39 14.87
    10.09
    		3.84 | 21.24 15 | 21 Average
    7Y Return % 7.88 15.16
    10.71
    		7.09 | 17.29 8 | 10 Average
    1Y SIP Return % 2.83
    1.75
    		-6.95 | 8.73 11 | 29 Good
    3Y SIP Return % 6.39
    8.50
    		4.90 | 17.54 20 | 26 Average
    5Y SIP Return % 7.17
    9.77
    		4.58 | 19.56 15 | 21 Average
    7Y SIP Return % 7.65
    11.00
    		6.52 | 18.07 8 | 10 Average
    Standard Deviation 3.40
    8.01
    		1.11 | 14.52 3 | 26 Very Good
    Semi Deviation 2.47
    5.90
    		0.79 | 10.62 3 | 26 Very Good
    Max Drawdown % -3.01
    -9.97
    		-19.00 | -0.42 6 | 26 Very Good
    VaR 1 Y % -3.02
    -9.66
    		-20.07 | 0.00 3 | 26 Very Good
    Average Drawdown % -1.27
    -3.82
    		-9.60 | -0.15 5 | 26 Very Good
    Sharpe Ratio 0.83
    0.78
    		-0.30 | 1.25 9 | 26 Good
    Sterling Ratio 0.67
    0.64
    		0.50 | 0.92 8 | 26 Good
    Sortino Ratio 0.40
    0.38
    		-0.11 | 0.63 8 | 26 Good
    Jensen Alpha % 4.32
    2.92
    		-0.68 | 6.31 7 | 26 Very Good
    Treynor Ratio 0.12
    0.11
    		-0.09 | 0.27 10 | 26 Good
    Modigliani Square Measure % 31.52
    24.99
    		14.96 | 69.23 4 | 26 Very Good
    Alpha % -5.91
    -2.86
    		-8.48 | 7.63 22 | 26 Poor
    Return data last Updated On : Jan. 21, 2026.
    Other parameters, fund ranking, non return related analysis are updated after every month end. Last Updated On : Dec. 31, 2025
    KPIs: Key Performance Indicators

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    KPIs* Fund Nifty 500 TRI Cat. Avg Min | Max Rank (In Cat.) Performance
    1M Return % -0.78 -4.29 -2.56 -5.70 | 0.52 7 | 29 Very Good
    3M Return % -0.17 -3.74 -2.31 -7.80 | 1.59 4 | 29 Very Good
    6M Return % 0.77 -1.92 -1.00 -7.51 | 3.27 5 | 29 Very Good
    1Y Return % 6.13 7.59 6.67 1.28 | 15.33 14 | 29 Good
    3Y Return % 9.43 15.12 13.37 6.37 | 24.87 20 | 26 Average
    5Y Return % 8.65 14.87 11.47 5.11 | 22.93 15 | 21 Average
    7Y Return % 9.12 15.16 11.97 8.29 | 18.69 8 | 10 Average
    1Y SIP Return % 3.96 2.94 -5.39 | 10.35 12 | 29 Good
    3Y SIP Return % 7.59 9.75 6.07 | 19.26 20 | 26 Average
    5Y SIP Return % 8.41 11.12 5.79 | 21.25 16 | 21 Average
    7Y SIP Return % 8.90 12.26 7.73 | 19.48 8 | 10 Average
    Standard Deviation 3.40 8.01 1.11 | 14.52 3 | 26 Very Good
    Semi Deviation 2.47 5.90 0.79 | 10.62 3 | 26 Very Good
    Max Drawdown % -3.01 -9.97 -19.00 | -0.42 6 | 26 Very Good
    VaR 1 Y % -3.02 -9.66 -20.07 | 0.00 3 | 26 Very Good
    Average Drawdown % -1.27 -3.82 -9.60 | -0.15 5 | 26 Very Good
    Sharpe Ratio 0.83 0.78 -0.30 | 1.25 9 | 26 Good
    Sterling Ratio 0.67 0.64 0.50 | 0.92 8 | 26 Good
    Sortino Ratio 0.40 0.38 -0.11 | 0.63 8 | 26 Good
    Jensen Alpha % 4.32 2.92 -0.68 | 6.31 7 | 26 Very Good
    Treynor Ratio 0.12 0.11 -0.09 | 0.27 10 | 26 Good
    Modigliani Square Measure % 31.52 24.99 14.96 | 69.23 4 | 26 Very Good
    Alpha % -5.91 -2.86 -8.48 | 7.63 22 | 26 Poor
    Return data last Updated On : Jan. 21, 2026.
    Other parameters, fund ranking, non return related analysis are updated after every month end. Last Updated On : Dec. 31, 2025
    KPIs: Key Performance Indicators

    Disclaimer: Past performance may or may not be sustained in future and should not be used as a basis for comparison with other investments. Returns for periods above 1 year are annualised.


    Date Hdfc Retirement Savings Fund - Hybrid - Debt Plan NAV Regular Growth Hdfc Retirement Savings Fund - Hybrid - Debt Plan NAV Direct Growth
    21-01-2026 21.7435 24.6651
    20-01-2026 21.7679 24.692
    19-01-2026 21.823 24.7538
    16-01-2026 21.8614 24.7953
    14-01-2026 21.8732 24.8073
    13-01-2026 21.8948 24.8312
    12-01-2026 21.8936 24.829
    09-01-2026 21.8845 24.8165
    08-01-2026 21.9318 24.8695
    07-01-2026 21.9858 24.93
    06-01-2026 22.002 24.9476
    05-01-2026 22.0014 24.9462
    02-01-2026 21.9915 24.9328
    01-01-2026 21.9634 24.9002
    31-12-2025 21.9585 24.8938
    30-12-2025 21.9172 24.8463
    29-12-2025 21.9313 24.8615
    26-12-2025 21.949 24.8794
    24-12-2025 21.9732 24.9054
    23-12-2025 21.9336 24.8597
    22-12-2025 21.9326 24.8578

    Fund Launch Date: 05/Feb/2016
    Fund Category: Retirement Fund
    Investment Objective: The investment objective of the Scheme is to provide longterm capital appreciation/income by investing in a mix of equity and debt instruments to help investors meet their retirement goals. There is no assurance that the investment objective of the Scheme will be realized.
    Fund Description: An open ended retirement solution oriented scheme having a lock-in of 5 years or till retirement age (whichever is earlier)
    Fund Benchmark: NIFTY 50 Hybrid Composite Debt 15:85 Index
    Source: Fund FactSheet

    Disclaimer: NO INVESTMENT ADVICE. The Content is for informational purposes only.