HDFC Retirement Fund - Hybrid-Debt Plan
HDFC Mutual Fund · Retirement · Direct plan, growth option
NAV (₹), 2 Oct 2026
24.4381
1-day change
-0.32%
1Y return
-0.1%
3Y CAGR
6.3%
5Y CAGR
6.8%
Max drawdown, 5Y
−4.0%
NAV history month-end NAV, ₹ · 26 Feb 2016 to 1 Oct 2026
Returns vs Retirement median (29 schemes)
| Period | Scheme | Category median |
|---|---|---|
| 1 month | -1.9% | -4.4% |
| 3 months | -1.7% | -2.3% |
| 6 months | 2.0% | 5.3% |
| Year to date | -1.8% | -1.7% |
| 1 year | -0.1% | 0.8% |
| 3 years (CAGR) | 6.3% | 8.2% |
| 5 years (CAGR) | 6.8% | 8.4% |
| 7 years (CAGR) | 8.1% | 11.0% |
| 10 years (CAGR) | 8.0% | 9.9% |
| Since first NAV (CAGR) | 8.8% | – |
Rolling returns every business-day start date
| Measure | Scheme | Category median |
|---|---|---|
| 1Y rolling median | 8.8% | 9.6% |
| 3Y rolling median | 9.3% | 12.9% |
| 3Y rolling worst | 5.0% | 5.7% |
| 3Y periods positive | 100% | 100% |
| 3Y periods ahead of benchmark | n/a | n/a |
| 5Y rolling median | 9.2% | 11.7% |
| 5Y rolling worst | 6.8% | 6.8% |
| 5Y periods ahead of benchmark | n/a | n/a |
Benchmark: none available in MFIC's free data for this category.
Risk 36 months, monthly returns, Rf 6.5%
| Measure | Scheme | Category median |
|---|---|---|
| Standard deviation (ann.) | 4.5% | 10.9% |
| Sharpe ratio | 0.01 | 0.24 |
| Sortino ratio | 0.01 | 0.34 |
| Beta | n/a | n/a |
| Alpha (ann.) | n/a | n/a |
| Upside capture | n/a | n/a |
| Downside capture | n/a | n/a |
Drawdowns peak-to-trough falls in NAV
| Measure | Scheme | Category median |
|---|---|---|
| Maximum drawdown, full history | −7.8% | −16.5% |
| Maximum drawdown, last 10Y | −7.8% | −23.2% |
| Maximum drawdown, last 5Y | −4.0% | −12.3% |
| Current drawdown | −2.6% | −5.6% |
| Recovery time of worst fall | 109 days | – |
Longer histories include more crises, so compare the 5Y and 10Y figures across schemes of different ages.
Cost, size and riskometer as disclosed to AMFI
| Measure | Scheme | Category median |
|---|---|---|
| Expense ratio (TER), Direct plan | n/a | 1.27% |
| AUM, whole scheme (₹ crore) | 143 | 269 |
| Riskometer | Moderately High | – |
TER: AMFI, TER of MF Schemes. AUM and riskometer: AMFI, Fund Performance, 30 Sep 2026.
Official benchmark and category consistency
| Measure | Scheme | Benchmark / category |
|---|---|---|
| Return, 1 year (AMFI) | 0.5% | 0.3% TRI |
| Return, 3 years (AMFI) | 6.4% | 5.8% TRI |
| Return, 5 years (AMFI) | 6.8% | 5.4% TRI |
| Month-ends above category median (3Y CAGR) | 16% | 41% median |
| Month-ends in category top quartile (3Y) | 9% | 9% median |
| 7Y rolling CAGR, median (monthly windows) | 9.0% | 10.7% median |
Official benchmark: Nifty 50 Hybrid Composite Debt 15:85 Conservative Index (total return index, as published by AMFI). Category consistency: last 10 years of month-ends, Retirement Direct plans; how it is calculated.
Calendar-year returns NAV change from 31 Dec to 31 Dec
| Year | Scheme | Benchmark | Difference |
|---|---|---|---|
| 2026 YTD | -1.8% | n/a | – |
| 2025 | 6.4% | n/a | – |
| 2024 | 11.1% | n/a | – |
| 2023 | 12.4% | n/a | – |
| 2022 | 5.0% | n/a | – |
| 2021 | 10.0% | n/a | – |
| 2020 | 11.7% | n/a | – |
| 2019 | 8.7% | n/a | – |
| 2018 | 2.2% | n/a | – |
| 2017 | 14.2% | n/a | – |
No free benchmark proxy for this category. The first year starts from the first 31 December in the scheme's history.
Monthly SIP of ₹10,000 first business day of each month, ending 2 Oct 2026
| Period | Invested | Value | XIRR |
|---|---|---|---|
| 1 year | ₹1,20,000 | ₹1,18,832 | -1.8% |
| 3 years | ₹3,60,000 | ₹3,77,681 | 3.1% |
| 5 years | ₹6,00,000 | ₹6,95,504 | 5.8% |
| 10 years | ₹12,00,000 | ₹17,63,055 | 7.5% |
Uses this plan's NAVs; ignores stamp duty, exit loads and taxes. One historical path only — the interactive SIP analyzer shows outcomes across every start date.
Scheme facts
AMC: HDFC Mutual Fund
Category: Retirement
Plan / option: Direct · Growth
AMFI scheme code: 136465
ISIN: INF179KB1MJ2
First NAV in MFIC data: 26 Feb 2016
History: 10.6 years
Expense ratio, AUM, portfolio: see the scheme's factsheet
Schemes that behaved similarly correlation of monthly returns, last 5 years
| Scheme | Category | Correlation | 3Y CAGR |
|---|---|---|---|
| BANDHAN RETIREMENT FUND | Retirement | 0.95 | n/a |
| HDFC Retirement Fund - Hybrid-Equity Plan | Retirement | 0.94 | 6.6% |
| UTI Retirement Fund | Retirement | 0.93 | 8.2% |
| Aditya Birla Sun Life Retirement Fund-The 50s Plan | Retirement | 0.93 | 7.6% |
| SBI Retirement Benefit Fund - Conservative Plan | Retirement | 0.93 | 6.4% |
| Nippon India Retirement Fund- Income Generation Scheme | Retirement | 0.93 | 6.1% |
Questions about HDFC Retirement Fund - Hybrid-Debt Plan
- What is the latest NAV of HDFC Retirement Fund - Hybrid-Debt Plan?
- The NAV of the Direct plan (growth option) was ₹24.4381 on 2 Oct 2026, as published by AMFI.
- Which category is HDFC Retirement Fund - Hybrid-Debt Plan in?
- It is classified as Retirement in AMFI's daily NAV file. MFIC compares it with 29 Retirement schemes (Direct plans).
- What returns has HDFC Retirement Fund - Hybrid-Debt Plan delivered?
- Over one year the NAV changed by -0.1%. The 3-year CAGR is 6.3% (category median 8.2%) and the 5-year CAGR is 6.8% (category median 8.4%). Returns are after expenses and before tax. Past performance may or may not be sustained in future.
- How consistent have its 3-year returns been?
- Measuring a 3-year CAGR from every business day in its history, the median was 9.3%, the lowest was 5.0%, and 100% of 3-year periods ended with a gain.
- What was the largest fall in HDFC Retirement Fund - Hybrid-Debt Plan's NAV?
- The largest peak-to-trough fall in its available history was 7.8%; within the last five years it was 4.0% (category median 12.3%).
- How volatile is HDFC Retirement Fund - Hybrid-Debt Plan?
- Its annualised standard deviation of monthly returns over the last 36 months is 4.5%, which is below the Retirement category median of 10.9%.
- What would a monthly SIP in HDFC Retirement Fund - Hybrid-Debt Plan have grown to?
- A SIP of ₹10,000 on the first business day of each month for the last 5 years (60 instalments, ₹6,00,000 invested) would have been worth about ₹6,95,504 on 2 Oct 2026, an annualised return (XIRR) of 5.8%. This uses the Direct plan's NAVs, ignores taxes and exit loads, and past performance may or may not be sustained in future.
- How large is HDFC Retirement Fund - Hybrid-Debt Plan?
- Assets under management of the whole scheme were ₹143 crore on 30 Sep 2026, as published by AMFI.
- What is the riskometer level of HDFC Retirement Fund - Hybrid-Debt Plan?
- AMFI lists the scheme's riskometer as “Moderately High”, and its benchmark's as “Moderately High”. The riskometer is a label of potential risk set under SEBI rules, not a forecast.
- What is the benchmark of HDFC Retirement Fund - Hybrid-Debt Plan and how has it compared?
- Its official benchmark is the Nifty 50 Hybrid Composite Debt 15:85 Conservative Index. Over 3 years AMFI reports a return of 6.4% for this plan against 5.8% for the benchmark total return index; over 5 years 6.8% against 5.4%. Past performance does not indicate future results.
- How often has HDFC Retirement Fund - Hybrid-Debt Plan beaten its category?
- At 16% of the 92 month-ends compared over the last 10 years, its 3-year return was above the median of Retirement schemes (Direct plans); it was in the top quarter at 9% of them. A typical scheme would show about 50%.
- What is the difference between the Direct and Regular plans?
- Both plans hold the same portfolio; the Regular plan includes distribution costs in its expense ratio. Over one year the Direct plan's NAV changed by -0.1% and the Regular plan's by -1.1%. The Regular plan includes the services of a distributor.
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Data & disclosure. Source: AMFI daily NAV file and historical NAVs via mfapi.in; calculations by MFIC, as of 2 Oct 2026. Category medians use Direct plans in the same AMFI category. Mutual fund investments are subject to market risks; read all scheme-related documents carefully. Past performance may or may not be sustained in future. This page is for research and education only and is not investment advice or a recommendation to buy, sell or hold any scheme. Integrato Financial Services Pvt. Ltd. is an AMFI-registered Mutual Fund Distributor (ARN-173155). Methodology.