May 28, 2025
mayank
HDFC Retirement Savings Fund-Hybrid Debt Plan details, NAV, Portfolio, Returns, Peer Comparison, Fund Managers & Guidance by sahifund.com
NAV Growth: Rs 24.2940
Suitable For Which Investors?
“Conservative hybrid funds invest roughly a quarter of your money in equity shares and the rest in bonds. These funds are suitable for those who cannot withstand too much volatility in the value of their investments and are content with moderate returns which are slightly higher than returns from fixed income options.
They may also suit those looking for a regular income from their accumulation. The debt portion of these funds provides a moderate, but steady stream of income. The small equity allocation though adds a bit of volatility, but helps boost returns to keep up with the rate of inflation over the long term.
Invest only if your investment horizon is three years or more. To derive dependable income with some degree of inflation protection, invest your accumulated savings in these funds gradually over at least a few months, and then maintain a withdrawal rate in the range of 4-6 per cent of the value of your investment every year.”
Fund’s Investment Strategy:
The Scheme seeks to provide long-term capital appreciation / income by investing in a mix of equity and debt instruments to help investors meet their retirement goals.
Fund Manager:
1) Srinivasan Ramamurthy
Education: Mr. Ramamurthy is an engineer by qualification from Jadavpur University and has done his MBA from IIM – Calcutta.
Experience: 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.
2) Shobhit Mehrotra
Education: He is an MBA from Clemson University, USA.
Experience: Prior to joining HDFC AMC he has worked with Franklin Templeton AMC, and ICRA.
3) Arun Agarwal
Education: Mr. Agarwal is a B.Com. and Chartered Accountant
Experience: 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.
4) Nandita Menezes
Education: CA (ICAI, INDIA), B.Com (University of Mumbai)
Experience: Prior to joining HDFC AMC, she was associated with S.V. Ghatalia & Associates LLP.
Investment Details
| Min. Investment (Rs) | 100 |
| Min. Addl Investment (Rs) | 100 |
| Min. SIP Investment (Rs) | 100 |
| Min. Withdrawal (Rs) | 100 |
| Min. No of Cheques | 6 |
| Min. Balance (Rs) | 5,000 |
| Lock-in Period | 5 Years |
| Exit Load | 0 |
Basic Details of HDFC Retirement Savings Fund-Hybrid Debt Plan
| Fund House | HDFC Mutual Fund |
| Launch Date | 26-Feb-16 |
| Return Since Launch | 10.07% |
| Benchmark | NIFTY 50 Hybrid Composite Debt 15:85 Conservative |
| Riskometer | Moderately High |
| Type | Open-ended |
| Assets | Rs 161 Cr |
| (As on 30-Apr-2025) | |
| Expense | 1.02% |
| (As on 30-Apr-2025) | |
| Risk Grade | Below Average |
| Return Grade | Average |
| Turnover | — |
Trailing Returns (%) of HDFC Retirement Savings Fund-Hybrid Debt Plan
| Fund name | YTD | 1D | 1M | 3M | 6M | 1Y | 3Y | 5Y | 7Y | 10Y |
| HDFC Retirement Savings Hybrid Debt Dir | 3.79 | -0.08 | 1.56 | 5.44 | 3.90 | 9.23 | 11.45 | 10.98 | 9.36 | — |
| VR Conservative Hybrid TRI | 4.99 | -0.13 | 1.90 | 5.73 | 4.91 | 10.08 | 10.44 | 9.83 | 9.26 | — |
| Hybrid: Conservative Hybrid | 3.99 | -0.08 | 1.71 | 5.64 | 4.18 | 10.00 | 11.18 | 11.33 | 9.02 | — |
| Rank within category | 19 | 14 | 18 | 17 | 18 | 20 | 14 | 13 | 7 | — |
| Number of funds in category | 28 | 28 | 28 | 28 | 28 | 28 | 28 | 25 | 22 | 21 |
Peer Comparison of HDFC Retirement Savings Fund-Hybrid Debt Plan
| Rating | 1 Year Returns | 3 Year Returns | 5 Year Returns | Expense Ratio (%) | Net Assets (Rs Cr) | Return Since Launch (%) | Exit Load (Days) | Fund Age | Turnover (%) | |
| HDFC Retirement Savings Hybrid Debt Dir | 4 star | 9.23 | 11.45 | 10.98 | 1.02 | 161 | 10.07 | — | 9Y 3M | 13.10 |
| SBI Conservative Hybrid Dir | 4 star | 9.21 | 11.50 | 13.23 | 1.05 | 9,612 | 10.11 | 1.00 (365) | 12Y 4M | — |
| HDFC Hybrid Debt Dir | 4 star | 9.19 | 12.52 | 13.75 | 1.14 | 3,364 | 10.14 | 1.00 (365) | 12Y 4M | — |
| ICICI Pru Regular Savings Dir | 4 star | 10.96 | 11.54 | 12.00 | 0.97 | 3,166 | 10.83 | 1.00 (365) | 12Y 4M | 20.00 |
| Kotak Debt Hybrid Dir | 4 star | 10.41 | 13.32 | 14.04 | 0.48 | 3,075 | 11.15 | 1.00 (180) | 12Y 4M | 24.23 |
Portfolio Analysis of HDFC Retirement Savings Fund-Hybrid Debt Plan
| Number of Stocks | 40 |
| Number of Bonds | 11 |
| Average Maturity (yrs) | 7.88 |
| Top 10 Holdings | 59.08% |
| Portfolio P/B Ratio | 3.63 |
| Portfolio P/E Ratio | 23.44 |
Portfolio Breakup
| Fund | Category | |
| Average Mkt Cap (Rs Cr) | 3,98,249 | 2,47,614 |
| Giant (%) | 80.15 | 61.28 |
| Large (%) | 4.63 | 14.53 |
| Mid (%) | 5.66 | 16.09 |
| Small (%) | 9.23 | 10.04 |
| Tiny (%) | 0.33 | 0.33 |
| Fund | Category | |
| Number of Securities | 54 | 62 |
| Macaulay Duration (yrs) | 4.93 | 5.67 |
| Average Maturity (yrs) | 7.88 | 9.97 |
| Yield to Maturity (%) | 6.78 | 6.89 |
| Avg Credit Rating | AAA | — |
Chanakya’s Mutual Fund Guidance For HDFC Retirement Savings-Hybrid Debt Plan
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