Hdfc Retirement Savings Fund - Hybrid - Debt Plan Overview
Category Retirement Fund
BMSMONEY Rank 20
BMSMONEY Rating
Gro. Opt. As On: 29-01-2025
NAV ₹20.71(R) +0.29% ₹23.25(D) +0.29%
Returns 1Y 3Y 5Y 7Y 10Y
LumpSum (R) 7.88% 8.04% 8.29% 7.23% -%
LumpSum (D) 9.1% 9.31% 9.56% 8.52% -%
SIP (R) -11.91% 7.08% 7.98% 7.22% -%
SIP (D) -10.94% 8.34% 9.27% 8.46% -%
Ratio Sharpe Ratio Sortino Ratio Sterling Ratio Jensen's Alpha Treynor Ratio
0.34 0.16 0.66 -% -
Risk STD. Dev VaR 1Y95% Max DD Beta Semi Devi.
3.42% -2.88% -2.29% - 2.39%
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
Tata Retirement Savings Fund-Moderate Plan 4
Tata Retirement Savings Fund-Progressive Plan 5
Nippon India Retirement Fund - Wealth Creation Scheme 6

NAV Date: 29-01-2025

Scheme Name NAV Rupee Change Percent Change
HDFC Retirement Savings Fund - Hybrid-Debt Plan - Growth Option 20.71
0.0600
0.2900%
HDFC Retirement Savings Fund - Hybrid-Debt Plan - Growth Option - Direct Plan 23.25
0.0700
0.2900%

Review Date: 29-01-2025

Hdfc Retirement Savings Fund - Hybrid - Debt Plan has shown poor performance in the Retirement Fund category. The fund has rank of 20 out of 25 funds in the category. The fund has delivered return of 7.88% in 1 year, 8.04% in 3 years and 8.29% in 5 years. The category average for the same periods is 9.72%, 10.52% and 11.46% respectively, which shows average return performance of fund in the category. The fund has exhibited standard deviation of 3.42, VaR of -2.88, Average Drawdown of -1.04, Semi Deviation of 2.39 and Max Drawdown of -2.29. The category average for the same parameters is 7.95, -8.96, -3.54, 5.55 and -7.43 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 ₹10910.0 in 1 year, ₹13060.0 in 3 years and ₹15788.0 in 5 years as of today (29-01-2025).
  2. An SIP of ₹1,000 per month in Hdfc Retirement Savings Fund - Hybrid - Debt Plan direct growth option would have grown to ₹11275.0 in 1 year, ₹40839.0 in 3 years and ₹75804.0 in 5 years as of today (29-01-2025).
  3. standard deviation of 3.42 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 0.34 which shows average 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 % -0.64 -4.91
-3.26
-8.16 | 0.61 5 | 29 Very Good
3M Return % -0.72 -6.67
-3.35
-8.02 | 1.52 6 | 29 Very Good
6M Return % 0.23 -8.83
-3.37
-9.51 | 3.27 7 | 29 Very Good
1Y Return % 7.88 8.83
9.72
6.22 | 15.79 19 | 27 Average
3Y Return % 8.04 13.65
10.52
4.32 | 18.21 19 | 25 Average
5Y Return % 8.29 17.46
11.46
4.11 | 21.64 16 | 21 Average
7Y Return % 7.23 12.89
9.42
6.68 | 14.92 8 | 10 Average
1Y SIP Return % -11.91
-4.95
-13.46 | 5.51 24 | 27 Poor
3Y SIP Return % 7.08
11.74
3.68 | 22.41 21 | 25 Average
5Y SIP Return % 7.99
12.33
3.82 | 24.88 16 | 21 Average
7Y SIP Return % 7.22
11.88
6.38 | 20.05 8 | 10 Average
Standard Deviation 3.42
7.95
1.17 | 13.76 4 | 25 Very Good
Semi Deviation 2.39
5.55
0.94 | 9.72 4 | 25 Very Good
Max Drawdown % -2.29
-7.43
-16.28 | -0.64 4 | 25 Very Good
VaR 1 Y % -2.88
-8.96
-17.51 | -0.28 4 | 25 Very Good
Average Drawdown % -1.04
-3.54
-7.99 | -0.53 4 | 25 Very Good
Sharpe Ratio 0.34
0.32
-1.67 | 1.01 18 | 25 Average
Sterling Ratio 0.66
0.64
0.34 | 1.05 11 | 25 Good
Sortino Ratio 0.16
0.19
-0.46 | 0.54 18 | 25 Average
Return data last Updated On : Jan. 29, 2025.
Other parameters, fund ranking, non return related analysis are updated after every month end. Last Updated On : Dec. 31, 2024
KPIs: Key Performance Indicators

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KPIs* Fund Benchmark Cat. Avg Min | Max Rank (In Cat.) Performance
1M Return % -0.55 -4.91 -3.16 -8.05 | 0.71 5 | 29
3M Return % -0.44 -6.67 -3.06 -7.73 | 1.77 6 | 29
6M Return % 0.80 -8.83 -2.79 -9.07 | 3.79 7 | 29
1Y Return % 9.10 8.83 10.99 7.47 | 17.38 18 | 27
3Y Return % 9.31 13.65 11.82 5.60 | 19.86 18 | 25
5Y Return % 9.56 17.46 12.91 5.44 | 23.38 16 | 21
7Y Return % 8.52 12.89 10.69 8.00 | 16.38 8 | 10
1Y SIP Return % -10.94 -3.83 -12.92 | 6.20 23 | 27
3Y SIP Return % 8.34 13.06 4.95 | 24.15 20 | 25
5Y SIP Return % 9.27 13.77 5.12 | 26.66 16 | 21
7Y SIP Return % 8.46 13.14 7.65 | 21.49 8 | 10
Standard Deviation 3.42 7.95 1.17 | 13.76 4 | 25
Semi Deviation 2.39 5.55 0.94 | 9.72 4 | 25
Max Drawdown % -2.29 -7.43 -16.28 | -0.64 4 | 25
VaR 1 Y % -2.88 -8.96 -17.51 | -0.28 4 | 25
Average Drawdown % -1.04 -3.54 -7.99 | -0.53 4 | 25
Sharpe Ratio 0.34 0.32 -1.67 | 1.01 18 | 25
Sterling Ratio 0.66 0.64 0.34 | 1.05 11 | 25
Sortino Ratio 0.16 0.19 -0.46 | 0.54 18 | 25
Return data last Updated On : Jan. 29, 2025.
Other parameters, fund ranking, non return related analysis are updated after every month end. Last Updated On : Dec. 31, 2024
KPIs: Key Performance Indicators

Investment Period Regular Direct
Return % Current Value of ₹ 10000 Return % Current Value of ₹ 10000
1D 0.29 ₹ 10,029.00 0.29 ₹ 10,029.00
1W -0.03 ₹ 9,997.00 -0.01 ₹ 9,999.00
1M -0.64 ₹ 9,936.00 -0.55 ₹ 9,945.00
3M -0.72 ₹ 9,928.00 -0.44 ₹ 9,956.00
6M 0.23 ₹ 10,023.00 0.80 ₹ 10,080.00
1Y 7.88 ₹ 10,788.00 9.10 ₹ 10,910.00
3Y 8.04 ₹ 12,612.00 9.31 ₹ 13,060.00
5Y 8.29 ₹ 14,894.00 9.56 ₹ 15,788.00
7Y 7.23 ₹ 16,298.00 8.52 ₹ 17,721.00
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 -11.91 ₹ 11,209.60 -10.94 ₹ 11,275.31
3Y ₹ 36000 7.08 ₹ 40,081.39 8.34 ₹ 40,839.16
5Y ₹ 60000 7.99 ₹ 73,405.08 9.27 ₹ 75,804.30
7Y ₹ 84000 7.22 ₹ 108,619.22 8.46 ₹ 113,562.20
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
29-01-2025 20.7142 23.2483
28-01-2025 20.6546 23.1808
27-01-2025 20.6475 23.1721
24-01-2025 20.6812 23.2077
23-01-2025 20.7157 23.2458
22-01-2025 20.7206 23.2506
21-01-2025 20.7128 23.2411
20-01-2025 20.7793 23.315
17-01-2025 20.7482 23.2779
16-01-2025 20.761 23.2916
15-01-2025 20.7043 23.2273
14-01-2025 20.6799 23.1992
13-01-2025 20.6331 23.146
10-01-2025 20.7655 23.2924
09-01-2025 20.8023 23.333
08-01-2025 20.8497 23.3854
07-01-2025 20.8822 23.4211
06-01-2025 20.8331 23.3653
03-01-2025 20.9207 23.4614
02-01-2025 20.9672 23.5128
01-01-2025 20.8955 23.4317
31-12-2024 20.8742 23.4071
30-12-2024 20.8485 23.3776

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.