HDFC Retirement Fund - Hybrid-Debt Plan - Direct Plan - Growth

NAVs of 8 Nov 2026

HDFC Mutual Fund · Solution oriented fund · Direct plan · Growth

RetirementDirect · GrowthRisk: Moderately High

NAV · 6 Nov 2026

₹21.8722 ▲ 0.21%

HDFC Mutual Fund

Fund size₹147 crJuly - September 2026

1-month range₹21.25 – 21.87

1 year+0.24%rank 19 of 24

Expense ratio1.35%direct plan, a year

5 years+6.02%a year

What the fund does

The investment objective of the Investment Plans under the Scheme is to provide long-term 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 achieved.

BenchmarkNIFTY 50 Hybrid Composite Debt 15:85 Index

Fund houseHDFC Mutual Fund

Fund managersFM 1 - Anupam JoshiFM 2 - Mr. Arun AgarwalFM 3 - Ms. Nandita MenezesFM 4 - Mr.Chirag SetalvadFM 5 - Mr. Gopal Agrawal

NAV history

Returns

1 week

+2.32%avg 4.3%

1 month

+2.06%avg 3.3%

3 months

-0.43%avg -0.6%

6 months

+1.15%avg 2.5%

This year

-0.39%avg 1.4%

1 year

+0.24%avg 2.5% · #19/24

3 years (a year)

+6.07%avg 10.4% · #22/23

5 years (a year)

+6.02%avg 9.5% · #19/21

Bars: this plan; the thin mark is the Retirement average (direct plans, growth option). Over a year: yearly averages (CAGR). Past returns do not guarantee future returns. Information only, not investment advice.

Monthly returns (%)

Year	Jan	Feb	Mar	Apr	May	Jun	Jul	Aug	Sep	Oct	Nov	Dec
2024												+0.0
2025	-0.5	-1.7	+2.6	+1.5	+1.6	+0.3	-0.1	-1.0	+0.7	+1.1	+0.6	+0.0
2026	-0.7	+0.5	-3.8	+2.0	-0.4	+1.7	+0.5	-0.4	-1.6	-0.4	+2.3

Each month's change in NAV (the current month to the latest NAV).

What if you had invested?

Amount (₹) Started

Worked out from this plan's actual NAVs. SIP: invested on the first NAV of each month. Taxes and exit loads are not included. Past returns do not guarantee future returns. Information only, not investment advice.

Portfolio as on 30 Sept 2026

Stocks held4054 lines in all

Top 10 stocks28.7%of the fund

Equity58.8%stocks and equity derivatives

Debt & cash58.0%everything else

Where the money is

Equity 42.0%Derivatives (long) 16.8%Debt 46.5%Cash & others 11.6%

Sectors (stocks held)

Banks

13.1%

Construction

7.7%

Petroleum Products

5.8%

Retailing

1.9%

Auto Components

1.9%

Industrial Products

1.2%

Healthcare Services

1.2%

IT - Software

1.0%

Credit quality (debt and money market)

Sovereign

35.9%

AAA

10.6%

Stocks held 40

Holding	Sector / type	% of fund
ICICI Bank Ltd. INE090A01021	Banks	7.90%
Larsen and Toubro Ltd. INE018A01030	Construction	7.43%
Reliance Industries Ltd. INE002A01018	Petroleum Products	5.53%
HDFC Bank Ltd.£ INE040A01034	Banks	2.18%
State Bank of India INE062A01020	Banks	1.31%
Axis Bank Ltd. INE238A01034	Banks	1.12%
Bharti Airtel Ltd. INE397D01024	Telecom - Services	0.99%
Maruti Suzuki India Limited INE585B01010	Automobiles	0.84%
Firstsource Solutions Ltd. INE684F01012	Commercial Services & Supplies	0.72%
Vedant Fashions Ltd INE825V01034	Retailing	0.71%
Infosys Limited INE009A01021	IT - Software	0.70%
Suprajit Engineering Ltd. INE399C01030	Auto Components	0.67%
United Spirits Limited INE854D01024	Beverages	0.66%
Vishal Mega Mart Limited INE01EA01019	Retailing	0.64%
City Union Bank Ltd. INE491A01021	Banks	0.63%
Kovai Medical Center & Hospital Ltd. INE177F01017	Healthcare Services	0.63%
Transport Corporation of India Ltd. INE688A01022	Transport Services	0.61%
Balkrishna Industries Ltd. INE787D01026	Auto Components	0.59%
SBI Life Insurance Company Ltd. INE123W01016	Insurance	0.59%
Shoppers Stop Ltd. INE498B01024	Retailing	0.58%
Dr. Lal Path Labs Ltd INE600L01024	Healthcare Services	0.56%
Power Grid Corporation of India Ltd. INE752E01010	Power	0.55%
WEST COAST PAPER MILLS LIMITED INE976A01021	Paper, Forest & Jute Products	0.52%
ITC LIMITED INE154A01025	Diversified FMCG	0.46%
Vesuvius India Ltd. INE386A01023	Industrial Products	0.45%
Lupin Ltd. INE326A01037	Pharmaceuticals & Biotechnology	0.43%
PVR LIMITED INE191H01014	Entertainment	0.43%
Lumax Industries Ltd INE162B01018	Auto Components	0.39%
Alkem Laboratories Ltd. INE540L01014	Pharmaceuticals & Biotechnology	0.36%
Gujarat Pipavav Port Ltd. INE517F01014	Transport Infrastructure	0.35%
Zensar Technologies Ltd. INE520A01027	IT - Software	0.30%
Kalpataru Projects International Ltd INE220B01022	Construction	0.29%
TCPL PACKAGING LIMITED INE822C01015	Industrial Products	0.29%
Voltamp Transformers Ltd. INE540H01012	Electrical Equipment	0.29%
Bayer Cropscience Ltd INE462A01022	Fertilizers & Agrochemicals	0.28%
Hindustan Petroleum Corp. Ltd. INE094A01015	Petroleum Products	0.25%
Huhtamaki India Limited INE275B01026	Industrial Products	0.25%
Finolex Cables Ltd. INE235A01022	Industrial Products	0.23%
SKF India Ltd. INE640A01023	Auto Components	0.21%
GSPL Transmission Limited INE1TUG01013	Gas	0.05%

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Derivatives, debt, money market and cash 14

Holding	Sector / type	% of fund
6.67% GOI MAT 171250 IN0020200252	Sovereign	9.37%
TREPS - Tri-party Repo	–	8.57%
Mahindra Rural Housing Finance Ltd^ INE950O07396	CRISIL - AAA	7.04%
6.48% GOI MAT 061035 IN0020250091	Sovereign	6.70%
Larsen and Toubro Ltd.	–	6.65%
6.19% GOI MAT 160934^ IN0020200096	Sovereign	6.60%
ICICI Bank Ltd.	–	5.61%
7.57% GOI MAT 170633^ IN0020190065	Sovereign	5.38%
Reliance Industries Ltd.	–	4.55%
8.97% GOI MAT 051230^ IN0020110055	Sovereign	4.14%
7.5% GOI MAT 100834^ IN0020040039	Sovereign	3.57%
Indian Railways Finance Corp. Ltd.^ INE053F07AZ4	CRISIL - AAA	3.56%
Net Current Assets	–	2.99%
7.54% GOI MAT 230536 IN0020220029	Sovereign	0.11%

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From the fund house's monthly portfolio (), as on 30 Sept 2026. Percentages are of the fund's net assets. Published about ten days after each month ends.

Risk

Volatility4.1%yearly, from daily NAVs

Worst fall-4.50%28 Feb 2020 → 31 Mar 2020

RiskometerModerately HighModerately High

Volatility: how much the NAV moves, as a yearly figure (higher = bumpier). Worst fall: the biggest drop from a high, in the NAV history we hold (from 31 May 2016).

Where it can invest (limits from the scheme document)

Debt Securities (including securitised debt) and money market instruments

55–90%

Equity and Equity related Instruments

10–45%

Of which net long through equity and equity related instruments*

5–30%

Of which Derivatives Including index futures, stock futures, index options, stock options etc

5–40%

Units issued by InvITs

0–10%

The ranges the fund is allowed to hold, not what it holds today.

Fund details

Fund size (average AUM, July - September 2026)	₹147 cr across all plans · this plan ₹108 cr
Fund house	HDFC Mutual Fund
Category	Solution oriented · Retirement
Plan	Direct
Option	Growth
Expense ratio (TER)	Direct 1.35% · Regular 2.33% (4 Nov 2026)
Exit load	Fresh investments by investors including SIP / STP registrations, etc effective June 2, 2018: Exit Load (Upon completion of lock-in period): Nil Existing investments by investors including SIP / STP registrations, etc until June 1, 2018: Exit Load (Upon completion of lock-in period of 5 years) In respect of each purchase/switch-in of units offered under the respective Investment Plan(s) • An Exit Load of 1% is payable if Units are redeemed/ switched-out before completion of 60 years of age • No Exit Load is payable if Units are redeemed / switched-out on or after attainment of 60 years of age.
Minimum investment	₹100 · additional ₹100
Scheme code (AMFI)	136466
ISIN	INF179KB1MK0
NAV date	6 Nov 2026

Scheme details from the fund's scheme summary document filed with AMFI; expense ratios from AMFI's daily filings.

Other plans of this fund

Plan	NAV	1 year
Direct · Growth	₹25.0111	+1.27%

Top Retirement funds (direct plans)

Fund	1 year	3 years (a year)
ICICI Prudential Retirement Fund Pure Equity Plan	+3.85%	+20.62%
ICICI Prudential Retirement Fund Hybrid Aggressive Plan	+3.07%	+17.72%
Aditya Birla Sun Life Retirement Fund-The 30s Plan	+12.87%	+17.54%
Union Retirement Fund	+4.89%	+13.90%
Aditya Birla Sun Life Retirement Fund-The 40s Plan	+3.00%	+12.44%
Nippon India Retirement Fund- Wealth Creation Scheme	-1.13%	+11.85%
HDFC Retirement Fund - Equity Plan	-1.87%	+11.31%
BANDHAN RETIREMENT FUND	+3.13%	+10.98%
HDFC Retirement Fund - Hybrid-Debt Plan	+0.24%	+6.07%

All Retirement funds ranked › · Compare with others ›

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Information only, not investment advice.

What is the NAV of HDFC Retirement Fund - Hybrid-Debt Plan - Direct Plan - Growth today?

₹21.8722 as of 6 Nov 2026, from AMFI's official NAV data.

What are the returns of HDFC Retirement Fund - Hybrid-Debt Plan - Direct Plan - Growth?

1 year: 0.24%, 3 years: 6.07% a year, 5 years: 6.02% a year

How does HDFC Retirement Fund - Hybrid-Debt Plan rank in its category?

19 of 24 Retirement funds (direct plans, growth option) by 1-year return.

What is the difference between direct and regular plans?

Both invest in the same portfolio. Direct plans are bought straight from the fund house and pay no distributor commission, so their expenses are lower and their NAV grows slightly faster.