Hdfc Retirement Savings Fund - Hybrid - Debt Plan Overview
Category Retirement Fund
BMSMONEY Rank 17
BMSMONEY Rating
Gro. Opt. As On: 19-11-2024
NAV ₹20.71(R) +0.06% ₹23.2(D) +0.07%
Returns 1Y 3Y 5Y 7Y 10Y
LumpSum (R) 11.59% 7.97% 8.7% 7.37% -%
LumpSum (D) 12.85% 9.25% 9.98% 8.67% -%
SIP (R) -23.11% 6.38% 5.81% 6.28% -%
SIP (D) -22.22% 7.67% 7.08% 7.55% -%
Ratio Sharpe Ratio Sortino Ratio Sterling Ratio Jensen's Alpha Treynor Ratio
0.47 0.22 0.69 -% -
Risk STD. Dev VaR 1Y95% Max DD Beta Semi Devi.
3.4% -2.88% -2.36% - 2.42%
Top Retirement Fund
Fund Name Rank Rating
Icici Prudential Retirement Fund - Pure Equity Plan 1
Hdfc Retirement Savings Fund - Equity Plan 2
Icici Prudential Retirement Fund - Hybrid Aggressive Plan 3
Hdfc Retirement Savings Fund - Hybrid - Equity Plan 4
Tata Retirement Savings Fund-Moderate Plan 5
Nippon India Retirement Fund - Wealth Creation Scheme 6

NAV Date: 19-11-2024

Scheme Name NAV Rupee Change Percent Change
HDFC Retirement Savings Fund - Hybrid-Debt Plan - Growth Option 20.71
0.0100
0.0600%
HDFC Retirement Savings Fund - Hybrid-Debt Plan - Growth Option - Direct Plan 23.2
0.0200
0.0700%

Review Date: 19-11-2024

Hdfc Retirement Savings Fund - Hybrid - Debt Plan has exhibited poor performance in the Retirement Fund category. The fund has rank of 17 out of 25 funds in the category. The fund has delivered return of 11.59% in 1 year, 7.97% in 3 years and 8.7% in 5 years. The category average for the same periods is 19.42%, 10.43% and 12.41% respectively, which shows average return performance of fund in the category. The fund has exhibited standard deviation of 3.4, VaR of -2.88, Average Drawdown of -1.05, Semi Deviation of 2.42 and Max Drawdown of -2.36. The category average for the same parameters is 7.98, -8.94, -3.68, 5.59 and -7.54 respectively. The fund has very low risk in the category.

Key Points:

  1. An investment of ₹10,000 in Hdfc Retirement Savings Fund - Hybrid - Debt Plan direct growth option would have grown to ₹11285.0 in 1 year, ₹13040.0 in 3 years and ₹16087.0 in 5 years as of today (19-11-2024).
  2. An SIP of ₹1,000 per month in Hdfc Retirement Savings Fund - Hybrid - Debt Plan direct growth option would have grown to ₹10496.0 in 1 year, ₹40431.0 in 3 years and ₹71750.0 in 5 years as of today (19-11-2024).
  3. standard deviation of 3.4 and based on VaR one can expect to lose more than -2.88% of current value of fund in one year.
  4. Sharpe ratio of the fund is 0.47 which shows good performance of fund in the retirement fund category.


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KPIs* Fund Benchmark Cat. Avg Min | Max Rank (In Cat.) Performance
1M Return % -1.19
-2.82
-5.25 | 0.45 7 | 29 Very Good
3M Return % 0.13
-1.30
-4.19 | 1.63 7 | 29 Very Good
6M Return % 4.20
5.37
3.04 | 9.55 21 | 28 Average
1Y Return % 11.59
19.42
6.38 | 37.30 22 | 27 Poor
3Y Return % 7.97
10.43
3.89 | 19.59 19 | 25 Average
5Y Return % 8.70
12.41
4.00 | 23.32 13 | 18 Average
7Y Return % 7.37
10.26
6.88 | 16.35 8 | 10 Average
1Y SIP Return % -23.11
-10.52
-24.66 | 2.46 24 | 27 Poor
3Y SIP Return % 6.38
12.78
1.61 | 25.75 20 | 25 Average
5Y SIP Return % 5.81
12.66
0.88 | 27.23 13 | 18 Average
7Y SIP Return % 6.28
12.42
5.63 | 21.55 8 | 10 Average
Standard Deviation 3.40
7.98
1.23 | 13.95 4 | 25 Very Good
Semi Deviation 2.42
5.59
0.99 | 9.91 4 | 25 Very Good
Max Drawdown % -2.36
-7.54
-16.94 | -0.66 4 | 25 Very Good
VaR 1 Y % -2.88
-8.94
-17.51 | -0.97 4 | 25 Very Good
Average Drawdown % -1.05
-3.68
-10.93 | -0.65 4 | 25 Very Good
Sharpe Ratio 0.47
0.34
-1.67 | 1.14 13 | 25 Good
Sterling Ratio 0.69
0.65
0.33 | 1.23 10 | 25 Good
Sortino Ratio 0.22
0.20
-0.46 | 0.62 14 | 25 Good
Return data last Updated On : Nov. 19, 2024.
Other parameters, fund ranking, non return related analysis are updated after every month end. Last Updated On : Oct. 31, 2024
KPIs: Key Performance Indicators

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KPIs* Fund Benchmark Cat. Avg Min | Max Rank (In Cat.) Performance
1M Return % -1.10 -2.72 -5.15 | 0.53 7 | 29
3M Return % 0.42 -1.00 -3.96 | 1.89 7 | 29
6M Return % 4.78 5.99 3.81 | 10.29 19 | 28
1Y Return % 12.85 20.81 7.63 | 39.31 22 | 27
3Y Return % 9.25 11.75 5.17 | 21.28 18 | 25
5Y Return % 9.98 13.83 5.35 | 24.81 13 | 18
7Y Return % 8.67 11.53 8.12 | 17.85 8 | 10
1Y SIP Return % -22.22 -9.42 -23.75 | 3.85 22 | 27
3Y SIP Return % 7.67 14.13 2.89 | 27.54 19 | 25
5Y SIP Return % 7.08 14.05 2.16 | 29.04 13 | 18
7Y SIP Return % 7.55 13.69 6.83 | 23.00 8 | 10
Standard Deviation 3.40 7.98 1.23 | 13.95 4 | 25
Semi Deviation 2.42 5.59 0.99 | 9.91 4 | 25
Max Drawdown % -2.36 -7.54 -16.94 | -0.66 4 | 25
VaR 1 Y % -2.88 -8.94 -17.51 | -0.97 4 | 25
Average Drawdown % -1.05 -3.68 -10.93 | -0.65 4 | 25
Sharpe Ratio 0.47 0.34 -1.67 | 1.14 13 | 25
Sterling Ratio 0.69 0.65 0.33 | 1.23 10 | 25
Sortino Ratio 0.22 0.20 -0.46 | 0.62 14 | 25
Return data last Updated On : Nov. 19, 2024.
Other parameters, fund ranking, non return related analysis are updated after every month end. Last Updated On : Oct. 31, 2024
KPIs: Key Performance Indicators

Investment Period Regular Direct
Return % Current Value of ₹ 10000 Return % Current Value of ₹ 10000
1D 0.06 ₹ 10,006.00 0.07 ₹ 10,007.00
1W -0.59 ₹ 9,941.00 -0.56 ₹ 9,944.00
1M -1.19 ₹ 9,881.00 -1.10 ₹ 9,890.00
3M 0.13 ₹ 10,013.00 0.42 ₹ 10,042.00
6M 4.20 ₹ 10,420.00 4.78 ₹ 10,478.00
1Y 11.59 ₹ 11,159.00 12.85 ₹ 11,285.00
3Y 7.97 ₹ 12,586.00 9.25 ₹ 13,040.00
5Y 8.70 ₹ 15,178.00 9.98 ₹ 16,087.00
7Y 7.37 ₹ 16,453.00 8.67 ₹ 17,902.00
10Y ₹ ₹
15Y ₹ ₹

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.

Investment Period Invested Amount Regular Direct
XIRR % Current Value of Invested Amount XIRR % Current Value of Invested Amount
1Y ₹ 12000 -23.11 ₹ 10,433.16 -22.22 ₹ 10,496.24
3Y ₹ 36000 6.38 ₹ 39,664.76 7.67 ₹ 40,431.42
5Y ₹ 60000 5.81 ₹ 69,504.00 7.08 ₹ 71,749.98
7Y ₹ 84000 6.28 ₹ 105,053.34 7.55 ₹ 109,904.84
10Y ₹ 120000 ₹ ₹
15Y ₹ 180000 ₹ ₹


Date Hdfc Retirement Savings Fund - Hybrid - Debt Plan NAV Regular Growth Hdfc Retirement Savings Fund - Hybrid - Debt Plan NAV Direct Growth
19-11-2024 20.7123 23.1957
18-11-2024 20.6992 23.1802
14-11-2024 20.7363 23.219
13-11-2024 20.7309 23.2122
12-11-2024 20.8345 23.3275
11-11-2024 20.8964 23.3961
08-11-2024 20.8965 23.394
07-11-2024 20.9228 23.4227
06-11-2024 20.9546 23.4576
05-11-2024 20.8978 23.3933
04-11-2024 20.8551 23.3448
31-10-2024 20.8815 23.3715
30-10-2024 20.8579 23.3443
29-10-2024 20.8647 23.3513
28-10-2024 20.82 23.3005
25-10-2024 20.8127 23.2902
24-10-2024 20.8579 23.3401
23-10-2024 20.88 23.364
22-10-2024 20.8696 23.3517
21-10-2024 20.961 23.4532

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.