Hdfc Retirement Savings Fund - Hybrid - Debt Plan Overview
Category Retirement Fund
BMSMONEY Rank 20
BMSMONEY Rating
Gro. Opt. As On: 20-12-2024
NAV ₹20.87(R) -0.35% ₹23.4(D) -0.35%
Returns 1Y 3Y 5Y 7Y 10Y
LumpSum (R) 10.68% 8.28% 8.8% 7.4% -%
LumpSum (D) 11.93% 9.55% 10.07% 8.7% -%
SIP (R) -37.83% 4.69% 7.54% 7.97% -%
SIP (D) -37.06% 5.99% 8.86% 9.27% -%
Ratio Sharpe Ratio Sortino Ratio Sterling Ratio Jensen's Alpha Treynor Ratio
0.35 0.17 0.65 -% -
Risk STD. Dev VaR 1Y95% Max DD Beta Semi Devi.
3.42% -2.88% -2.44% - 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
Nippon India Retirement Fund - Wealth Creation Scheme 4
Tata Retirement Savings Fund-Moderate Plan 5
Tata Retirement Savings Fund-Progressive Plan 6

NAV Date: 20-12-2024

Scheme Name NAV Rupee Change Percent Change
HDFC Retirement Savings Fund - Hybrid-Debt Plan - Growth Option 20.87
-0.0700
-0.3500%
HDFC Retirement Savings Fund - Hybrid-Debt Plan - Growth Option - Direct Plan 23.4
-0.0800
-0.3500%

Review Date: 20-12-2024

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 10.68% in 1 year, 8.28% in 3 years and 8.8% in 5 years. The category average for the same periods is 16.74%, 12.31% and 12.6% 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 -1.07, Semi Deviation of 2.39 and Max Drawdown of -2.44. The category average for the same parameters is 7.85, -8.9, -3.26, 5.5 and -6.98 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 ₹11193.0 in 1 year, ₹13149.0 in 3 years and ₹16158.0 in 5 years as of today (20-12-2024).
  2. An SIP of ₹1,000 per month in Hdfc Retirement Savings Fund - Hybrid - Debt Plan direct growth option would have grown to ₹9423.0 in 1 year, ₹39430.0 in 3 years and ₹75018.0 in 5 years as of today (20-12-2024).
  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 0.35 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 % 0.96
1.83
0.29 | 5.59 21 | 29 Average
3M Return % -0.82
-3.19
-7.60 | 1.36 6 | 29 Very Good
6M Return % 3.17
3.03
-2.50 | 6.36 15 | 29 Good
1Y Return % 10.68
16.74
6.09 | 29.67 23 | 27 Poor
3Y Return % 8.28
12.31
3.97 | 22.14 19 | 25 Average
5Y Return % 8.80
12.60
4.08 | 23.44 13 | 18 Average
7Y Return % 7.40
10.32
7.06 | 16.22 8 | 10 Average
1Y SIP Return % -37.83
-36.11
-39.30 | -30.01 19 | 27 Average
3Y SIP Return % 4.69
10.41
-0.16 | 22.72 21 | 25 Average
5Y SIP Return % 7.54
12.97
2.45 | 26.40 13 | 18 Average
7Y SIP Return % 7.97
12.90
7.37 | 21.23 8 | 10 Average
Standard Deviation 3.42
7.85
1.23 | 13.56 4 | 25 Very Good
Semi Deviation 2.39
5.50
0.98 | 9.65 4 | 25 Very Good
Max Drawdown % -2.44
-6.98
-15.04 | -0.64 4 | 25 Very Good
VaR 1 Y % -2.88
-8.90
-17.51 | -0.93 4 | 25 Very Good
Average Drawdown % -1.07
-3.26
-7.29 | -0.64 4 | 25 Very Good
Sharpe Ratio 0.35
0.39
-1.71 | 1.13 18 | 25 Average
Sterling Ratio 0.65
0.69
0.33 | 1.18 14 | 25 Good
Sortino Ratio 0.17
0.23
-0.47 | 0.61 18 | 25 Average
Return data last Updated On : Dec. 20, 2024.
Other parameters, fund ranking, non return related analysis are updated after every month end. Last Updated On : Nov. 29, 2024
KPIs: Key Performance Indicators

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KPIs* Fund Benchmark Cat. Avg Min | Max Rank (In Cat.) Performance
1M Return % 1.05 1.92 0.37 | 5.71 21 | 29
3M Return % -0.54 -2.90 -7.35 | 1.61 5 | 29
6M Return % 3.74 3.65 -1.95 | 7.05 16 | 29
1Y Return % 11.93 18.10 7.34 | 31.57 22 | 27
3Y Return % 9.55 13.64 5.25 | 23.89 18 | 25
5Y Return % 10.07 14.02 5.41 | 24.94 13 | 18
7Y Return % 8.70 11.59 8.34 | 17.71 8 | 10
1Y SIP Return % -37.06 -35.27 -38.52 | -28.86 19 | 27
3Y SIP Return % 5.99 11.78 1.14 | 24.56 21 | 25
5Y SIP Return % 8.86 14.39 3.78 | 28.25 13 | 18
7Y SIP Return % 9.27 14.19 8.60 | 22.69 8 | 10
Standard Deviation 3.42 7.85 1.23 | 13.56 4 | 25
Semi Deviation 2.39 5.50 0.98 | 9.65 4 | 25
Max Drawdown % -2.44 -6.98 -15.04 | -0.64 4 | 25
VaR 1 Y % -2.88 -8.90 -17.51 | -0.93 4 | 25
Average Drawdown % -1.07 -3.26 -7.29 | -0.64 4 | 25
Sharpe Ratio 0.35 0.39 -1.71 | 1.13 18 | 25
Sterling Ratio 0.65 0.69 0.33 | 1.18 14 | 25
Sortino Ratio 0.17 0.23 -0.47 | 0.61 18 | 25
Return data last Updated On : Dec. 20, 2024.
Other parameters, fund ranking, non return related analysis are updated after every month end. Last Updated On : Nov. 29, 2024
KPIs: Key Performance Indicators

Investment Period Regular Direct
Return % Current Value of ₹ 10000 Return % Current Value of ₹ 10000
1D -0.35 ₹ 9,965.00 -0.35 ₹ 9,965.00
1W -1.16 ₹ 9,884.00 -1.14 ₹ 9,886.00
1M 0.96 ₹ 10,096.00 1.05 ₹ 10,105.00
3M -0.82 ₹ 9,918.00 -0.54 ₹ 9,946.00
6M 3.17 ₹ 10,317.00 3.74 ₹ 10,374.00
1Y 10.68 ₹ 11,068.00 11.93 ₹ 11,193.00
3Y 8.28 ₹ 12,694.00 9.55 ₹ 13,149.00
5Y 8.80 ₹ 15,243.00 10.07 ₹ 16,158.00
7Y 7.40 ₹ 16,487.00 8.70 ₹ 17,935.00
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 -37.83 ₹ 9,365.21 -37.06 ₹ 9,423.37
3Y ₹ 36000 4.69 ₹ 38,668.00 5.99 ₹ 39,430.19
5Y ₹ 60000 7.54 ₹ 72,584.58 8.86 ₹ 75,017.64
7Y ₹ 84000 7.97 ₹ 111,579.13 9.27 ₹ 116,873.65
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
20-12-2024 20.873 23.3979
19-12-2024 20.9466 23.4797
18-12-2024 20.9979 23.5364
17-12-2024 21.0375 23.5801
16-12-2024 21.1117 23.6626
13-12-2024 21.1178 23.6672
12-12-2024 21.0815 23.6258
11-12-2024 21.1128 23.6602
10-12-2024 21.1096 23.6558
09-12-2024 21.1011 23.6456
06-12-2024 21.0642 23.6021
05-12-2024 21.0757 23.6142
04-12-2024 21.0251 23.5568
03-12-2024 21.0057 23.5343
02-12-2024 20.9348 23.4542
29-11-2024 20.8878 23.3994
28-11-2024 20.8285 23.3322
27-11-2024 20.8733 23.3817
26-11-2024 20.8617 23.368
25-11-2024 20.843 23.3463
22-11-2024 20.7487 23.2385
21-11-2024 20.6742 23.1544

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.