Hdfc Retirement Savings Fund - Hybrid - Debt Plan Datagrid
Category Retirement Fund
BMSMONEY Rank 20
Rating
Growth Option 19-10-2026
NAV ₹21.4(R) -0.34% ₹24.46(D) -0.33%
Returns 1Y 3Y 5Y 7Y 10Y
Lumpsum Regular -2.05% 5.29% -% 6.83% 6.54%
Direct -1.03% 6.44% -% 8.05% 7.86%
Benchmark
SIP (XIRR) Regular -31.63% -5.7% 1.26% 3.28% 4.54%
Direct -30.91% -4.63% 2.45% 4.51% 5.8%
Ratio Sharpe Ratio Sortino Ratio Sterling Ratio Jensen's Alpha Treynor Ratio
0.16 0.07 0.47 -0.5% 0.04
Risk STD. Dev VaR 1Y95% Max DD Beta Semi Devi.
4.33% -4.01% -3.97% 0.23 3.36%
Fund AUM As on: 30/12/2025 161 Cr
Top Retirement Fund
Fund Name Rank Rating
ICICI Prudential Retirement Fund - Hybrid Aggressive Plan 1
ICICI Prudential Retirement Fund - Pure Equity Plan 2
Aditya Birla Sun Life Retirement Fund - The 30s Plan 3
ICICI Prudential Retirement Fund - Hybrid Conservative Plan 4
Union Retirement Fund 5
UTI Retirement Fund 6

NAV Date: 19-10-2026

Scheme Name NAV Rupee Change Percent Change
HDFC Retirement Savings Fund - Hybrid-Debt Plan - Growth Option 21.4
-0.0700
-0.3400%
HDFC Retirement Savings Fund - Hybrid-Debt Plan - Growth Option - Direct Plan 24.46
-0.0800
-0.3300%

Review Date: 19-10-2026

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 -0.5% which is lower than the category average of 0.09%, reflecting poor performance. The fund has a Sharpe Ratio of 0.16 which is lower than the category average of 0.38.
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 -1.06%, -1.94 and -0.9 in last one, three and six months respectively. In the same period the category average return was -2.69%, -3.19% and -0.38% respectively.
  • HDFC Retirement Savings Fund - Hybrid - Debt Plan has given a return of -1.03% in last one year. In the same period the Nifty 500 TRI return was -2.0%. The fund has given 0.97% more return than the benchmark return.
  • The fund has given a return of 6.44% in last three years and rank 22nd out of twenty seven funds in the category. In the same period the Nifty 500 TRI return was 9.99%. The fund has given 3.55% less return than the benchmark return.
  • The fund has given a return of 7.86% in last ten years and ranked 8th out of ten funds in the category. In the same period the Nifty 500 TRI return was 12.97%. The fund has given 5.11% less return than the benchmark return.
  • The fund has given a SIP return of -30.91% in last one year whereas category average SIP return is -14.17%. The fund one year return rank in the category is 25th in 29 funds
  • The fund has SIP return of -4.63% in last three years and ranks 23rd in 27 funds. Aditya Birla Sun Life Retirement Fund - The 30s Plan has given the highest SIP return (11.0%) in the category in last three years.
  • The fund has SIP return of 2.45% in last five years whereas category average SIP return is 6.61%.

HDFC Retirement Savings Fund - Hybrid - Debt Plan Risk Analysis

  • The fund has a standard deviation of 4.33 and semi deviation of 3.36. The category average standard deviation is 9.64 and semi deviation is 7.17.
  • The fund has a Value at Risk (VaR) of -4.01 and a maximum drawdown of -3.97. The category average VaR is -12.9 and the maximum drawdown is -10.32. 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 Benchmark Cat. Avg Min | Max Rank (In Cat.) Performance
    1M Return % -1.13 -3.56
    -2.77
    		-4.75 | -0.57 3 | 29 Very Good
    3M Return % -2.18 -5.33
    -3.45
    		-6.14 | -0.54 6 | 29 Very Good
    6M Return % -1.39 -2.97
    -0.93
    		-5.13 | 4.93 17 | 29 Average
    1Y Return % -2.05 -6.21
    -2.70
    		-9.41 | 6.11 13 | 29 Good
    3Y Return % 5.29 9.43
    7.86
    		4.57 | 16.51 26 | 27 Poor
    7Y Return % 6.83 13.95
    9.69
    		3.88 | 18.37 13 | 18 Average
    10Y Return % 6.54 12.58
    8.89
    		5.61 | 13.16 9 | 10 Average
    1Y SIP Return % -31.63
    -15.16
    		-43.77 | 6.65 25 | 29 Poor
    3Y SIP Return % -5.70
    -0.42
    		-7.23 | 9.54 23 | 27 Poor
    5Y SIP Return % 1.26
    5.38
    		0.60 | 14.43 22 | 25 Poor
    7Y SIP Return % 3.28
    7.94
    		1.41 | 18.28 14 | 18 Average
    10Y SIP Return % 4.54
    8.11
    		3.78 | 13.11 9 | 10 Average
    Standard Deviation 4.33
    9.65
    		1.31 | 16.38 4 | 26 Very Good
    Semi Deviation 3.36
    7.17
    		0.96 | 11.68 4 | 26 Very Good
    Max Drawdown % -3.97
    -10.32
    		-19.00 | -0.74 5 | 26 Very Good
    VaR 1 Y % -4.01
    -12.90
    		-25.74 | -0.37 4 | 26 Very Good
    Average Drawdown % 2.19
    5.15
    		0.38 | 11.62 22 | 26 Poor
    Sharpe Ratio 0.16
    0.38
    		-0.55 | 0.91 24 | 26 Poor
    Sterling Ratio 0.47
    0.51
    		0.33 | 0.81 17 | 26 Average
    Sortino Ratio 0.07
    0.18
    		-0.19 | 0.46 24 | 26 Poor
    Jensen Alpha % -0.50
    0.09
    		-3.62 | 6.21 15 | 26 Average
    Treynor Ratio 0.04
    0.07
    		-0.19 | 0.19 23 | 26 Poor
    Modigliani Square Measure % 2.46
    5.75
    		-8.49 | 14.04 24 | 26 Poor
    Alpha % -7.92
    -3.60
    		-9.58 | 8.09 23 | 26 Poor
    Return data last Updated On : Oct. 19, 2026.
    Other parameters, fund ranking, non return related analysis are updated after every month end. Last Updated On : June 30, 2026
    KPIs: Key Performance Indicators

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    KPIs* Fund Benchmark Cat. Avg Min | Max Rank (In Cat.) Performance
    1M Return % -1.06 -3.56 -2.69 -4.67 | -0.49 3 | 29 Very Good
    3M Return % -1.94 -5.33 -3.19 -5.91 | -0.31 6 | 29 Very Good
    6M Return % -0.90 -2.97 -0.38 -4.69 | 5.60 16 | 29 Good
    1Y Return % -1.03 -6.21 -1.61 -8.52 | 7.53 14 | 29 Good
    3Y Return % 6.44 9.43 9.08 5.74 | 18.12 22 | 27 Poor
    7Y Return % 8.05 13.95 11.04 5.18 | 20.10 13 | 18 Average
    10Y Return % 7.86 12.58 10.15 6.87 | 14.60 8 | 10 Average
    1Y SIP Return % -30.91 -14.17 -43.44 | 8.09 25 | 29 Poor
    3Y SIP Return % -4.63 0.75 -6.72 | 11.00 23 | 27 Poor
    5Y SIP Return % 2.45 6.61 1.79 | 16.06 20 | 25 Average
    7Y SIP Return % 4.51 9.27 2.64 | 19.99 14 | 18 Average
    10Y SIP Return % 5.80 9.36 5.01 | 14.47 9 | 10 Average
    Standard Deviation 4.33 9.65 1.31 | 16.38 4 | 26 Very Good
    Semi Deviation 3.36 7.17 0.96 | 11.68 4 | 26 Very Good
    Max Drawdown % -3.97 -10.32 -19.00 | -0.74 5 | 26 Very Good
    VaR 1 Y % -4.01 -12.90 -25.74 | -0.37 4 | 26 Very Good
    Average Drawdown % 2.19 5.15 0.38 | 11.62 22 | 26 Poor
    Sharpe Ratio 0.16 0.38 -0.55 | 0.91 24 | 26 Poor
    Sterling Ratio 0.47 0.51 0.33 | 0.81 17 | 26 Average
    Sortino Ratio 0.07 0.18 -0.19 | 0.46 24 | 26 Poor
    Jensen Alpha % -0.50 0.09 -3.62 | 6.21 15 | 26 Average
    Treynor Ratio 0.04 0.07 -0.19 | 0.19 23 | 26 Poor
    Modigliani Square Measure % 2.46 5.75 -8.49 | 14.04 24 | 26 Poor
    Alpha % -7.92 -3.60 -9.58 | 8.09 23 | 26 Poor
    Return data last Updated On : Oct. 19, 2026.
    Other parameters, fund ranking, non return related analysis are updated after every month end. Last Updated On : June 30, 2026
    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
    19-10-2026 21.3968 24.4556
    16-10-2026 21.4699 24.5372
    15-10-2026 21.4394 24.5017
    14-10-2026 21.388 24.4422
    13-10-2026 21.3881 24.4418
    12-10-2026 21.3475 24.3947
    09-10-2026 21.3806 24.4305
    08-10-2026 21.3208 24.3615
    07-10-2026 21.4316 24.4875
    06-10-2026 21.4626 24.5222
    05-10-2026 21.4053 24.4561
    01-10-2026 21.3918 24.4381
    30-09-2026 21.4617 24.5172
    29-09-2026 21.4171 24.4656
    28-09-2026 21.4318 24.4817
    25-09-2026 21.5603 24.6266
    24-09-2026 21.5327 24.5944
    23-09-2026 21.6436 24.7204
    22-09-2026 21.6202 24.693
    21-09-2026 21.6421 24.7174

    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.