Hdfc Retirement Savings Fund - Hybrid - Debt Plan Datagrid
Category Retirement Fund
BMSMONEY Rank 19
Rating
Growth Option 16-06-2026
NAV ₹21.67(R) +0.17% ₹24.68(D) +0.17%
Returns 1Y 3Y 5Y 7Y 10Y
Lumpsum Regular 0.52% 6.48% 6.36% 7.27% 7.46%
Direct 1.6% 7.66% 7.6% 8.49% 8.82%
Nifty 500 TRI 0.5% 13.47% 12.33% 14.56% 14.16%
SIP (XIRR) Regular -0.24% 1.97% 2.83% 5.28% 6.28%
Direct 0.82% 3.09% 3.98% 6.52% 7.56%
Ratio Sharpe Ratio Sortino Ratio Sterling Ratio Jensen's Alpha Treynor Ratio
0.25 0.1 0.5 -0.78% -1.7
Risk STD. Dev VaR 1Y95% Max DD Beta Semi Devi.
4.29% -4.01% -3.98% 0.27 3.38%
Fund AUM As on: 30/12/2025 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
Union Retirement Fund 3
Icici Prudential Retirement Fund - Hybrid Conservative Plan 4
UTI Retirement Fund 5
Aditya Birla Sun Life Retirement Fund - The 30s Plan 6

NAV Date: 16-06-2026

Scheme Name NAV Rupee Change Percent Change
HDFC Retirement Savings Fund - Hybrid-Debt Plan - Growth Option 21.67
0.0400
0.1700%
HDFC Retirement Savings Fund - Hybrid-Debt Plan - Growth Option - Direct Plan 24.68
0.0400
0.1700%

Review Date: 16-06-2026

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 -0.78% which is lower than the category average of 0.12%, reflecting poor performance. The fund has a Sharpe Ratio of 0.25 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 1.53%, 1.05 and -0.54 in last one, three and six months respectively. In the same period the category average return was 2.26%, 5.34% and 0.24% respectively.
  • Hdfc Retirement Savings Fund - Hybrid - Debt Plan has given a return of 1.6% in last one year. In the same period the Nifty 500 TRI return was 0.5%. The fund has given 1.1% more return than the benchmark return.
  • The fund has given a return of 7.66% in last three years and rank 22nd out of twenty six funds in the category. In the same period the Nifty 500 TRI return was 13.47%. The fund has given 5.81% less return than the benchmark return.
  • Hdfc Retirement Savings Fund - Hybrid - Debt Plan has given a return of 7.6% in last five years and category average returns is 10.49% in same period. The fund ranked 18th out of twenty five funds in the category. In the same period the Nifty 500 TRI return was 12.33%. The fund has given 4.73% less return than the benchmark return.
  • The fund has given a return of 8.82% in last ten years and ranked 8th out of ten funds in the category. In the same period the Nifty 500 TRI return was 14.16%. The fund has given 5.34% less return than the benchmark return.
  • The fund has given a SIP return of 0.82% in last one year whereas category average SIP return is 2.77%. The fund one year return rank in the category is 18th in 28 funds
  • The fund has SIP return of 3.09% in last three years and ranks 21st in 25 funds. Icici Prudential Retirement Fund - Pure Equity Plan has given the highest SIP return (16.35%) in the category in last three years.
  • The fund has SIP return of 3.98% in last five years whereas category average SIP return is 8.6%.

Hdfc Retirement Savings Fund - Hybrid - Debt Plan Risk Analysis

  • The fund has a standard deviation of 4.29 and semi deviation of 3.38. The category average standard deviation is 9.2 and semi deviation is 7.14.
  • The fund has a Value at Risk (VaR) of -4.01 and a maximum drawdown of -3.98. 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 Nifty 500 TRI Cat. Avg Min | Max Rank (In Cat.) Performance
    1M Return % 1.45 2.52
    2.17
    		0.97 | 4.88 23 | 29 Average
    3M Return % 0.78 7.19
    5.05
    		0.54 | 15.41 27 | 29 Poor
    6M Return % -1.06 -2.10
    -0.32
    		-6.20 | 5.47 17 | 29 Average
    1Y Return % 0.52 0.50
    1.33
    		-4.47 | 9.91 16 | 29 Good
    3Y Return % 6.48 13.47
    10.41
    		4.82 | 22.05 23 | 26 Poor
    5Y Return % 6.36 12.33
    9.21
    		3.97 | 21.04 19 | 25 Average
    7Y Return % 7.27 14.56
    10.12
    		4.15 | 18.77 13 | 18 Average
    10Y Return % 7.46 14.16
    10.23
    		6.70 | 15.09 9 | 10 Average
    1Y SIP Return % -0.24
    1.39
    		-7.27 | 13.84 18 | 28 Average
    3Y SIP Return % 1.97
    5.44
    		1.45 | 14.75 23 | 25 Poor
    5Y SIP Return % 2.83
    7.55
    		1.55 | 18.59 20 | 24 Poor
    7Y SIP Return % 5.28
    9.98
    		2.80 | 20.94 13 | 17 Average
    10Y SIP Return % 6.28
    9.91
    		5.51 | 14.64 8 | 9 Average
    Standard Deviation 4.29
    9.20
    		1.27 | 15.52 4 | 26 Very Good
    Semi Deviation 3.38
    7.14
    		0.97 | 11.69 4 | 26 Very Good
    Max Drawdown % -3.98
    -10.32
    		-19.00 | -0.76 5 | 26 Very Good
    VaR 1 Y % -4.01
    -12.90
    		-25.74 | -0.37 4 | 26 Very Good
    Average Drawdown % -2.19
    -5.22
    		-11.62 | -0.38 5 | 26 Very Good
    Sharpe Ratio 0.25
    0.38
    		-0.70 | 1.01 19 | 26 Average
    Sterling Ratio 0.50
    0.51
    		0.32 | 0.84 10 | 26 Good
    Sortino Ratio 0.10
    0.17
    		-0.23 | 0.48 19 | 26 Average
    Jensen Alpha % -0.78
    0.12
    		-3.84 | 8.83 15 | 26 Average
    Treynor Ratio -1.70
    -1.55
    		-9.84 | -0.38 22 | 26 Poor
    Modigliani Square Measure % 10.07
    11.87
    		-3.41 | 21.72 19 | 26 Average
    Alpha % -4.06
    -1.85
    		-5.47 | 8.91 22 | 26 Poor
    Return data last Updated On : June 16, 2026.
    Other parameters, fund ranking, non return related analysis are updated after every month end. Last Updated On : March 30, 2026
    KPIs: Key Performance Indicators

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    KPIs* Fund Nifty 500 TRI Cat. Avg Min | Max Rank (In Cat.) Performance
    1M Return % 1.53 2.52 2.26 1.06 | 4.99 24 | 29 Average
    3M Return % 1.05 7.19 5.34 0.77 | 15.82 27 | 29 Poor
    6M Return % -0.54 -2.10 0.24 -5.74 | 6.20 17 | 29 Average
    1Y Return % 1.60 0.50 2.48 -3.49 | 11.36 16 | 29 Good
    3Y Return % 7.66 13.47 11.65 6.00 | 23.74 22 | 26 Poor
    5Y Return % 7.60 12.33 10.49 5.20 | 22.71 18 | 25 Average
    7Y Return % 8.49 14.56 11.49 5.46 | 20.54 13 | 18 Average
    10Y Return % 8.82 14.16 11.52 7.99 | 16.58 8 | 10 Average
    1Y SIP Return % 0.82 2.77 -6.33 | 15.36 18 | 28 Average
    3Y SIP Return % 3.09 6.56 2.61 | 16.35 21 | 25 Average
    5Y SIP Return % 3.98 8.60 2.69 | 20.24 19 | 24 Poor
    7Y SIP Return % 6.52 11.07 4.03 | 22.67 14 | 18 Average
    10Y SIP Return % 7.56 10.80 6.75 | 16.03 9 | 10 Average
    Standard Deviation 4.29 9.20 1.27 | 15.52 4 | 26 Very Good
    Semi Deviation 3.38 7.14 0.97 | 11.69 4 | 26 Very Good
    Max Drawdown % -3.98 -10.32 -19.00 | -0.76 5 | 26 Very Good
    VaR 1 Y % -4.01 -12.90 -25.74 | -0.37 4 | 26 Very Good
    Average Drawdown % -2.19 -5.22 -11.62 | -0.38 5 | 26 Very Good
    Sharpe Ratio 0.25 0.38 -0.70 | 1.01 19 | 26 Average
    Sterling Ratio 0.50 0.51 0.32 | 0.84 10 | 26 Good
    Sortino Ratio 0.10 0.17 -0.23 | 0.48 19 | 26 Average
    Jensen Alpha % -0.78 0.12 -3.84 | 8.83 15 | 26 Average
    Treynor Ratio -1.70 -1.55 -9.84 | -0.38 22 | 26 Poor
    Modigliani Square Measure % 10.07 11.87 -3.41 | 21.72 19 | 26 Average
    Alpha % -4.06 -1.85 -5.47 | 8.91 22 | 26 Poor
    Return data last Updated On : June 16, 2026.
    Other parameters, fund ranking, non return related analysis are updated after every month end. Last Updated On : March 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
    16-06-2026 21.6691 24.6838
    15-06-2026 21.6326 24.6416
    12-06-2026 21.5578 24.5543
    11-06-2026 21.4527 24.434
    10-06-2026 21.4731 24.4566
    09-06-2026 21.4845 24.4689
    08-06-2026 21.4283 24.4042
    05-06-2026 21.444 24.4201
    04-06-2026 21.4109 24.3818
    03-06-2026 21.3956 24.3638
    02-06-2026 21.4132 24.3831
    01-06-2026 21.3976 24.3646
    29-05-2026 21.4273 24.3966
    27-05-2026 21.4746 24.449
    26-05-2026 21.4849 24.4601
    25-05-2026 21.5108 24.489
    22-05-2026 21.4117 24.3742
    21-05-2026 21.3941 24.3535
    20-05-2026 21.3929 24.3515
    19-05-2026 21.3924 24.3502
    18-05-2026 21.3592 24.3117

    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.