Hdfc Retirement Savings Fund - Hybrid - Equity Plan Datagrid
Category Retirement Fund
BMSMONEY Rank 25
Rating
Growth Option 09-09-2026
NAV ₹36.51(R) -0.67% ₹41.96(D) -0.67%
Returns 1Y 3Y 5Y 7Y 10Y
Lumpsum Regular -4.88% 5.66% 7.95% 12.4% 10.94%
Direct -3.84% 6.86% 9.24% 13.75% 12.39%
Nifty 500 TRI 0.95% 10.2% 10.23% 15.53% 12.94%
SIP (XIRR) Regular -6.81% 0.51% 6.22% 9.7% 10.39%
Direct -5.81% 1.66% 7.5% 11.07% 11.78%
Ratio Sharpe Ratio Sortino Ratio Sterling Ratio Jensen's Alpha Treynor Ratio
0.22 0.11 0.37 -1.16% 0.04
Risk STD. Dev VaR 1Y95% Max DD Beta Semi Devi.
10.7% -12.17% -11.95% 0.63 8.17%
Fund AUM As on: 30/12/2025 1731 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: 09-09-2026

Scheme Name NAV Rupee Change Percent Change
HDFC Retirement Savings Fund - Hybrid-Equity Plan - Growth Option 36.51
-0.2500
-0.6700%
HDFC Retirement Savings Fund - Hybrid-Equity Plan - Growth Option - Direct Plan 41.96
-0.2800
-0.6700%

Review Date: 09-09-2026

Beginning of Analysis

HDFC Retirement Savings Fund - Hybrid - Equity Plan is the 5th ranked fund in the Retirement Fund category. The category has total 26 funds. The 5 star rating shows an excellent past performance of the HDFC Retirement Savings Fund - Hybrid - Equity Plan in Retirement Fund. The fund has a Jensen Alpha of -1.16% which is lower than the category average of 0.09%, reflecting poor performance. The fund has a Sharpe Ratio of 0.22 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 - Equity Plan Return Analysis

The HDFC Retirement Savings Fund - Hybrid - Equity 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 -3.47%, 1.3 and -0.72 in last one, three and six months respectively. In the same period the category average return was -1.62%, 3.6% and 5.65% respectively.
  • HDFC Retirement Savings Fund - Hybrid - Equity Plan has given a return of -3.84% in last one year. In the same period the Nifty 500 TRI return was 0.95%. The fund has given 4.79% less return than the benchmark return.
  • The fund has given a return of 6.86% in last three years and rank 20th out of twenty six funds in the category. In the same period the Nifty 500 TRI return was 10.2%. The fund has given 3.34% less return than the benchmark return.
  • HDFC Retirement Savings Fund - Hybrid - Equity Plan has given a return of 9.24% in last five years and category average returns is 9.42% in same period. The fund ranked 11th out of twenty five funds in the category. In the same period the Nifty 500 TRI return was 10.23%. The fund has given 0.99% less return than the benchmark return.
  • The fund has given a return of 12.39% in last ten years and ranked 4th out of ten funds in the category. In the same period the Nifty 500 TRI return was 12.94%. The fund has given 0.55% less return than the benchmark return.
  • The fund has given a SIP return of -5.81% in last one year whereas category average SIP return is 4.91%. The fund one year return rank in the category is 29th in 29 funds
  • The fund has SIP return of 1.66% in last three years and ranks 26th in 26 funds. Aditya Birla Sun Life Retirement Fund - The 30s Plan has given the highest SIP return (15.25%) in the category in last three years.
  • The fund has SIP return of 7.5% in last five years whereas category average SIP return is 9.31%.

HDFC Retirement Savings Fund - Hybrid - Equity Plan Risk Analysis

  • The fund has a standard deviation of 10.7 and semi deviation of 8.17. The category average standard deviation is 9.64 and semi deviation is 7.17.
  • The fund has a Value at Risk (VaR) of -12.17 and a maximum drawdown of -11.95. The category average VaR is -12.9 and the maximum drawdown is -10.32. The fund has a beta of 0.63 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 % -3.55 -3.26
    -1.71
    		-3.83 | -0.19 27 | 29 Poor
    3M Return % 1.04 3.11
    3.31
    		0.80 | 6.89 26 | 29 Poor
    6M Return % -1.24 4.77
    5.05
    		-1.24 | 17.89 29 | 29 Poor
    1Y Return % -4.88 0.95
    2.76
    		-4.88 | 13.82 29 | 29 Poor
    3Y Return % 5.66 10.20
    8.66
    		4.88 | 17.51 24 | 26 Poor
    5Y Return % 7.95 10.23
    8.17
    		3.87 | 18.01 11 | 25 Good
    7Y Return % 12.40 15.53
    10.61
    		4.02 | 19.54 8 | 18 Good
    10Y Return % 10.94 12.94
    9.36
    		5.98 | 13.65 4 | 10 Good
    1Y SIP Return % -6.81
    3.75
    		-6.81 | 18.39 28 | 28 Poor
    3Y SIP Return % 0.51
    4.84
    		0.51 | 13.76 25 | 25 Poor
    5Y SIP Return % 6.22
    8.04
    		3.79 | 17.05 15 | 24 Average
    7Y SIP Return % 9.70
    9.84
    		3.86 | 19.94 8 | 17 Good
    10Y SIP Return % 10.39
    9.42
    		5.90 | 13.86 5 | 10 Good
    Standard Deviation 10.70
    9.65
    		1.31 | 16.38 13 | 26 Good
    Semi Deviation 8.17
    7.17
    		0.96 | 11.68 13 | 26 Good
    Max Drawdown % -11.95
    -10.32
    		-19.00 | -0.74 14 | 26 Good
    VaR 1 Y % -12.17
    -12.90
    		-25.74 | -0.37 13 | 26 Good
    Average Drawdown % 7.06
    5.15
    		0.38 | 11.62 8 | 26 Good
    Sharpe Ratio 0.22
    0.38
    		-0.55 | 0.91 19 | 26 Average
    Sterling Ratio 0.37
    0.51
    		0.33 | 0.81 25 | 26 Poor
    Sortino Ratio 0.11
    0.18
    		-0.19 | 0.46 19 | 26 Average
    Jensen Alpha % -1.16
    0.09
    		-3.62 | 6.21 20 | 26 Average
    Treynor Ratio 0.04
    0.07
    		-0.19 | 0.19 22 | 26 Poor
    Modigliani Square Measure % 3.33
    5.75
    		-8.49 | 14.04 19 | 26 Average
    Alpha % -4.90
    -3.60
    		-9.58 | 8.09 14 | 26 Good
    Return data last Updated On : Sept. 9, 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 Nifty 500 TRI Cat. Avg Min | Max Rank (In Cat.) Performance
    1M Return % -3.47 -3.26 -1.62 -3.76 | -0.10 27 | 29 Poor
    3M Return % 1.30 3.11 3.60 1.05 | 7.27 26 | 29 Poor
    6M Return % -0.72 4.77 5.65 -0.72 | 18.69 29 | 29 Poor
    1Y Return % -3.84 0.95 3.92 -3.84 | 15.34 29 | 29 Poor
    3Y Return % 6.86 10.20 9.88 6.05 | 19.13 20 | 26 Average
    5Y Return % 9.24 10.23 9.42 5.09 | 19.65 11 | 25 Good
    7Y Return % 13.75 15.53 11.99 5.32 | 21.29 8 | 18 Good
    10Y Return % 12.39 12.94 10.64 7.24 | 15.11 4 | 10 Good
    1Y SIP Return % -5.81 4.91 -5.81 | 19.96 29 | 29 Poor
    3Y SIP Return % 1.66 6.07 1.66 | 15.25 26 | 26 Poor
    5Y SIP Return % 7.50 9.31 4.97 | 18.68 15 | 25 Average
    7Y SIP Return % 11.07 11.16 5.09 | 21.66 9 | 18 Good
    10Y SIP Return % 11.78 10.67 7.12 | 15.24 5 | 10 Good
    Standard Deviation 10.70 9.65 1.31 | 16.38 13 | 26 Good
    Semi Deviation 8.17 7.17 0.96 | 11.68 13 | 26 Good
    Max Drawdown % -11.95 -10.32 -19.00 | -0.74 14 | 26 Good
    VaR 1 Y % -12.17 -12.90 -25.74 | -0.37 13 | 26 Good
    Average Drawdown % 7.06 5.15 0.38 | 11.62 8 | 26 Good
    Sharpe Ratio 0.22 0.38 -0.55 | 0.91 19 | 26 Average
    Sterling Ratio 0.37 0.51 0.33 | 0.81 25 | 26 Poor
    Sortino Ratio 0.11 0.18 -0.19 | 0.46 19 | 26 Average
    Jensen Alpha % -1.16 0.09 -3.62 | 6.21 20 | 26 Average
    Treynor Ratio 0.04 0.07 -0.19 | 0.19 22 | 26 Poor
    Modigliani Square Measure % 3.33 5.75 -8.49 | 14.04 19 | 26 Average
    Alpha % -4.90 -3.60 -9.58 | 8.09 14 | 26 Good
    Return data last Updated On : Sept. 9, 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 - Equity Plan NAV Regular Growth Hdfc Retirement Savings Fund - Hybrid - Equity Plan NAV Direct Growth
    09-09-2026 36.509 41.959
    08-09-2026 36.757 42.243
    07-09-2026 36.94 42.452
    04-09-2026 37.074 42.602
    03-09-2026 37.085 42.614
    02-09-2026 37.04 42.561
    01-09-2026 37.251 42.803
    31-08-2026 37.254 42.804
    28-08-2026 37.294 42.847
    27-08-2026 37.265 42.812
    26-08-2026 37.391 42.956
    25-08-2026 37.392 42.956
    24-08-2026 37.354 42.912
    21-08-2026 37.435 43.001
    20-08-2026 37.418 42.98
    19-08-2026 37.295 42.837
    18-08-2026 37.416 42.975
    17-08-2026 37.539 43.116
    14-08-2026 37.601 43.183
    13-08-2026 37.657 43.246
    12-08-2026 37.729 43.328
    11-08-2026 37.792 43.398
    10-08-2026 37.853 43.467

    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 65:35 Index
    Source: Fund FactSheet

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