Hdfc Retirement Savings Fund - Hybrid - Debt Plan Datagrid
Category Retirement Fund
BMSMONEY Rank 14
Rating
Growth Option 04-12-2025
NAV ₹21.93(R) +0.05% ₹24.84(D) +0.05%
Returns 1Y 3Y 5Y 7Y 10Y
Lumpsum Regular 4.3% 8.44% 8.05% 8.19% -%
Direct 5.45% 9.66% 9.32% 9.44% -%
Nifty 500 TRI 3.82% 15.22% 17.88% 15.87% 14.96%
SIP (XIRR) Regular 5.74% 7.67% 7.14% 7.8% -%
Direct 6.9% 8.89% 8.36% 9.05% -%
Ratio Sharpe Ratio Sortino Ratio Sterling Ratio Jensen's Alpha Treynor Ratio
0.88 0.43 0.69 4.64% 0.13
Risk STD. Dev VaR 1Y95% Max DD Beta Semi Devi.
3.47% -3.02% -3.01% 0.24 2.54%
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
Aditya Birla Sun Life Retirement Fund - The 40s Plan 5
Icici Prudential Retirement Fund - Hybrid Conservative Plan 6

NAV Date: 04-12-2025

Scheme Name NAV Rupee Change Percent Change
HDFC Retirement Savings Fund - Hybrid-Debt Plan - Growth Option 21.93
0.0100
0.0500%
HDFC Retirement Savings Fund - Hybrid-Debt Plan - Growth Option - Direct Plan 24.84
0.0100
0.0500%

Review Date: 04-12-2025

Beginning of Analysis

Hdfc Retirement Savings Fund - Hybrid - Debt Plan is the 13th ranked fund in the Retirement Fund category. The category has total 26 funds. The 3 star rating shows an average past performance of the Hdfc Retirement Savings Fund - Hybrid - Debt Plan in Retirement Fund. The fund has a Jensen Alpha of 4.64% which is higher than the category average of 3.01%. Here the fund has shown good performance in terms of risk adjusted returns. The fund has a Sharpe Ratio of 0.88 which is higher than the category average of 0.77.
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 0.5%, 2.23 and 2.09 in last one, three and six months respectively. In the same period the category average return was 0.16%, 2.59% and 3.25% respectively.
  • Hdfc Retirement Savings Fund - Hybrid - Debt Plan has given a return of 5.45% in last one year. In the same period the Nifty 500 TRI return was 3.82%. The fund has given 1.63% more return than the benchmark return.
  • The fund has given a return of 9.66% in last three years and rank 20th out of 26 funds in the category. In the same period the Nifty 500 TRI return was 15.22%. The fund has given 5.56% less return than the benchmark return.
  • Hdfc Retirement Savings Fund - Hybrid - Debt Plan has given a return of 9.32% in last five years and category average returns is 13.13% in same period. The fund ranked 16th out of 21 funds in the category. In the same period the Nifty 500 TRI return was 17.88%. The fund has given 8.56% less return than the benchmark return.
  • The fund has given a SIP return of 6.9% in last one year whereas category average SIP return is 9.57%. The fund one year return rank in the category is 22nd in 29 funds
  • The fund has SIP return of 8.89% in last three years and ranks 20th in 26 funds. Icici Prudential Retirement Fund - Pure Equity Plan has given the highest SIP return (24.11%) in the category in last three years.
  • The fund has SIP return of 8.36% in last five years whereas category average SIP return is 11.76%.

Hdfc Retirement Savings Fund - Hybrid - Debt Plan Risk Analysis

  • The fund has a standard deviation of 3.47 and semi deviation of 2.54. The category average standard deviation is 8.1 and semi deviation is 5.99.
  • The fund has a Value at Risk (VaR) of -3.02 and a maximum drawdown of -3.01. The category average VaR is -9.67 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 % 0.41 0.33
    0.06
    		-1.56 | 0.95 9 | 29 Good
    3M Return % 1.95 4.18
    2.30
    		-1.16 | 4.96 17 | 29 Average
    6M Return % 1.53 4.72
    2.67
    		-0.85 | 8.07 19 | 29 Average
    1Y Return % 4.30 3.82
    3.24
    		-2.35 | 9.18 10 | 29 Good
    3Y Return % 8.44 15.22
    12.10
    		5.32 | 22.97 20 | 26 Average
    5Y Return % 8.05 17.88
    11.73
    		3.76 | 24.74 15 | 21 Average
    7Y Return % 8.19 15.87
    11.19
    		7.40 | 17.95 8 | 10 Average
    1Y SIP Return % 5.74
    8.32
    		2.69 | 19.96 22 | 29 Average
    3Y SIP Return % 7.67
    11.14
    		5.27 | 22.37 21 | 26 Average
    5Y SIP Return % 7.14
    10.42
    		4.02 | 21.43 16 | 21 Average
    7Y SIP Return % 7.80
    11.63
    		6.74 | 19.14 8 | 10 Average
    Standard Deviation 3.47
    8.10
    		1.10 | 14.70 5 | 26 Very Good
    Semi Deviation 2.54
    5.99
    		0.79 | 10.76 5 | 26 Very Good
    Max Drawdown % -3.01
    -9.97
    		-19.00 | -0.42 6 | 26 Very Good
    VaR 1 Y % -3.02
    -9.67
    		-20.07 | 0.00 3 | 26 Very Good
    Average Drawdown % -1.33
    -4.41
    		-10.34 | -0.15 5 | 26 Very Good
    Sharpe Ratio 0.88
    0.77
    		-0.08 | 1.16 7 | 26 Very Good
    Sterling Ratio 0.69
    0.64
    		0.48 | 0.89 8 | 26 Good
    Sortino Ratio 0.43
    0.37
    		-0.03 | 0.59 7 | 26 Very Good
    Jensen Alpha % 4.64
    3.01
    		-0.62 | 6.00 8 | 26 Good
    Treynor Ratio 0.13
    0.12
    		-0.02 | 0.28 9 | 26 Good
    Modigliani Square Measure % 32.61
    25.31
    		14.74 | 72.17 3 | 26 Very Good
    Alpha % -5.39
    -2.81
    		-8.18 | 6.99 21 | 26 Average
    Return data last Updated On : Dec. 4, 2025.
    Other parameters, fund ranking, non return related analysis are updated after every month end. Last Updated On : Oct. 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 % 0.50 0.33 0.16 -1.44 | 1.04 9 | 29 Good
    3M Return % 2.23 4.18 2.59 -0.81 | 5.33 17 | 29 Average
    6M Return % 2.09 4.72 3.25 -0.30 | 8.81 19 | 29 Average
    1Y Return % 5.45 3.82 4.43 -1.22 | 10.64 9 | 29 Good
    3Y Return % 9.66 15.22 13.39 6.53 | 24.66 20 | 26 Average
    5Y Return % 9.32 17.88 13.13 5.03 | 26.45 16 | 21 Average
    7Y Return % 9.44 15.87 12.45 8.61 | 19.36 8 | 10 Average
    1Y SIP Return % 6.90 9.57 3.84 | 21.60 22 | 29 Average
    3Y SIP Return % 8.89 12.42 6.44 | 24.11 20 | 26 Average
    5Y SIP Return % 8.36 11.76 5.22 | 23.12 16 | 21 Average
    7Y SIP Return % 9.05 12.90 7.94 | 20.55 8 | 10 Average
    Standard Deviation 3.47 8.10 1.10 | 14.70 5 | 26 Very Good
    Semi Deviation 2.54 5.99 0.79 | 10.76 5 | 26 Very Good
    Max Drawdown % -3.01 -9.97 -19.00 | -0.42 6 | 26 Very Good
    VaR 1 Y % -3.02 -9.67 -20.07 | 0.00 3 | 26 Very Good
    Average Drawdown % -1.33 -4.41 -10.34 | -0.15 5 | 26 Very Good
    Sharpe Ratio 0.88 0.77 -0.08 | 1.16 7 | 26 Very Good
    Sterling Ratio 0.69 0.64 0.48 | 0.89 8 | 26 Good
    Sortino Ratio 0.43 0.37 -0.03 | 0.59 7 | 26 Very Good
    Jensen Alpha % 4.64 3.01 -0.62 | 6.00 8 | 26 Good
    Treynor Ratio 0.13 0.12 -0.02 | 0.28 9 | 26 Good
    Modigliani Square Measure % 32.61 25.31 14.74 | 72.17 3 | 26 Very Good
    Alpha % -5.39 -2.81 -8.18 | 6.99 21 | 26 Average
    Return data last Updated On : Dec. 4, 2025.
    Other parameters, fund ranking, non return related analysis are updated after every month end. Last Updated On : Oct. 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
    04-12-2025 21.9295 24.8411
    03-12-2025 21.9319 24.8431
    02-12-2025 21.9194 24.8282
    01-12-2025 21.932 24.8417
    28-11-2025 21.9554 24.866
    27-11-2025 21.9647 24.8758
    26-11-2025 21.9862 24.8994
    25-11-2025 21.9388 24.845
    24-11-2025 21.9166 24.8192
    21-11-2025 21.9344 24.8371
    20-11-2025 21.9577 24.8627
    19-11-2025 21.9338 24.835
    18-11-2025 21.9152 24.8132
    17-11-2025 21.9222 24.8203
    14-11-2025 21.893 24.7851
    13-11-2025 21.8971 24.789
    12-11-2025 21.8856 24.7752
    11-11-2025 21.8604 24.7464
    10-11-2025 21.8356 24.7176
    07-11-2025 21.8136 24.6905
    06-11-2025 21.8204 24.6975
    04-11-2025 21.8389 24.7169

    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.