Sharpe ratio
0.69Return earned for the risk taken.
Moderate
Moderate risk-adjusted returns. The reward for risk has been average.
+1.00%1Y Absolute Return
-0.29%1D
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Past performance is not an indicator of future returns.
Returns calculator comparison
Compare an illustrative investment outcome across return assumptions.
| Asset | Projected corpus | Total invested | Gain | Annual return |
|---|---|---|---|---|
| HDFC Retirement Savings Fund - Hybrid-Debt Plan - Growth Option - Direct PlanFund 5Y annualised return | ₹8,69,603 | ₹7,32,612 | ₹1,36,991 | +7.09% |
| EPFIllustrative annual assumption | ₹8,95,132 | ₹7,32,612 | ₹1,62,520 | +8.25% |
| Residential propertyIllustrative annual assumption | ₹8,67,662 | ₹7,32,612 | ₹1,35,050 | +7.00% |
| PPFIllustrative annual assumption | ₹8,69,819 | ₹7,32,612 | ₹1,37,207 | +7.10% |
| Bank fixed depositIllustrative annual assumption | ₹8,56,981 | ₹7,32,612 | ₹1,24,369 | +6.50% |
| GoldIllustrative annual assumption | ₹8,67,662 | ₹7,32,612 | ₹1,35,050 | +7.00% |
| Savings accountIllustrative annual assumption | ₹7,86,827 | ₹7,32,612 | ₹54,215 | +3.00% |
Illustration only. Fund results use the available NAV-derived annualised return and can be negative. Reference rows are assumptions, not current quoted rates or guaranteed returns; property excludes transaction costs, taxes, and liquidity constraints. Mutual fund investments are subject to market risk.
Wealth multiple
₹1 became₹1.09
₹1 Lakh since launch₹1.09 Lakh
Fund age10.7 yrs
Fund information
Scheme code136465
ISININF179KB1MJ2
BenchmarkNIFTY 50 Hybrid Composite Debt 15:85 Conservative
CategorySolution Oriented Scheme - Retirement Fund
Expense ratio1.35%
Exit loadNil
Minimum SIP₹100 SIP
Return comparison
65th / 106 in category| Period | Fund | Benchmark | Category avg |
|---|---|---|---|
| 1M | +34.03% | — | — |
| 3M | -0.34% | — | — |
| 6M | +5.34% | — | — |
| 1Y | +1.00% | — | +1.16% |
| 3Y | +6.97% | — | +8.74% |
| 5Y | +7.09% | — | +7.27% |
| 10Y | +8.16% | — | — |
| Since Launch | +8.92% | — | — |
Risk-adjusted performance
Every measure is expanded with a plain-language reading of the latest calculated value.
Sortino ratio
1.03Return earned while limiting downside risk.
Good
Good downside protection with strong returns.
Standard deviation
4.17%How much the fund’s returns fluctuate over time.
Low volatility
Returns have been relatively stable.
Beta
—How closely the fund moves with the market.
Unavailable
This measure needs sufficient fund and benchmark history to calculate.
Alpha
—Extra return generated above the benchmark.
Unavailable
This measure needs sufficient fund and benchmark history to calculate.
Treynor ratio
—Return earned for each unit of market risk taken.
Unavailable
This measure needs sufficient fund and benchmark history to calculate.
Calmar ratio
1.14How well the fund rewarded investors relative to its biggest decline.
Excellent
Excellent balance between returns and drawdowns.
Information ratio
—How consistently the fund outperformed its benchmark.
Unavailable
This measure needs sufficient fund and benchmark history to calculate.
Portfolio allocation
Latest disclosed portfolio mix
Asset allocation
Portfolio100%
Debt45.46%
Equity22.44%
Hedged Equity17.32%
Cash14.79%
Market cap allocation
Sector allocation
Equity exposure by sector
Top holdings
10 of 55 disclosed positions
| Holding | Sector | Instrument type | Weight |
|---|---|---|---|
| Cash Margin | Unspecified | Cash Margin | 17.3181% |
| Repo | Unspecified | Repo | 11.3236% |
| CENTRAL GOVERNMENT LOAN 29633 GOI 17DC50 6.67 FV RS 100 | Entities | GOI Securities | 9.3056% |
| ICICI Bank Ltd | Financial | Equity | 7.8292% |
| Larsen & Toubro Ltd | Industrials | Equity | 7.8076% |
| MAHINDRA RURAL HOUSING FINANCE LIMITED SR AA 8.35 NCD 24SP32 FVRS10LAC | Financial | Non Convertible Debenture | 6.8188% |
| GOVERNMENT OF INDIA 36574 GOI 06OT35 6.48 FV RS 100 | Entities | GOI Securities | 6.556% |
| CENTRAL GOVERNMENT LOAN 23202 GOI 16SP34 6.19 FV RS 100 | Entities | GOI Securities | 6.4529% |
| Reliance Industries Ltd | Energy & Utilities | Equity | 5.7495% |
| CENTRAL GOVERNMENT LOAN 21658 GOI 17JU33 7.57 FV RS 100 | Entities | GOI Securities | 5.2484% |
Fund management
SR
Srinivasan Ramamurthy
Since 2021 · Prior to joining HDFC Asset Management Company Limited, he has worked with Mahindra Mutual Fund, IDBI Federal Life Insurance, IIFL Capital Limited, Maybank Kim Eng, Credit Suisse and KPMG Advisory.
Mr. Ramamurthy is an engineer by qualification from Jadavpur University and has done his MBA from IIM - Calcutta.
AN
Anupam Joshi
Since 2026 · Prior to joining HDFC Mutual Fund he has worked with IDFC AMC, Principal Asset Management Company and ICAP India Pvt. Ltd.
Mr. Joshi is a PGDM in Business Management.
AR
Arun Agarwal
Since 2025 · Prior to joining HDFC Asset Management Company Limited, he has worked with SBI Funds Management Pvt. Ltd., ICICI Bank Limited, UTI Asset Management Pvt. Ltd.
Mr. Agarwal is a B.Com. and Chartered Accountant
DH
Dhruv Muchhal
Since 2023 · Prior to joining HDFC MF,he has worked with Motilal Oswal Financial Services Ltd., Goldman Sachs, CRISIL Global Research & Analytics and Deloitte Haskins & Sells
Mr. Dhruv has done B.Com, CA and CFA
NA
Nandita Menezes
Since 2025 · Prior to joining HDFC AMC, she was associated with S.V. Ghatalia & Associates LLP.
CA (ICAI, INDIA), B.Com (University of Mumbai)
Compare similar funds
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Summary
A moderately high-risk solution oriented scheme - retirement fund. Losses and swings stayed contained — worst fall -7.8%, volatility 4.2%. Trailing its category average over 3Y by 1.8 points.
Strengths
- Losses and swings stayed contained — worst fall -7.8%, volatility 4.2%.
- Recovered from its worst fall in 4 months.
- Well spread out — top 10 holdings are only 30% of the portfolio.
Weaknesses
- Trailing its category average over 3Y by 1.8 points.
- Ranks 65 of 106 in its category over 1 year.
Ideal investor
- Needs a 3+ years horizon to ride out its moderately high risk level.
Risk drivers
- None