HDFC Retirement Fund Hybrid Debt Plan
Direct · Growth ₹25.11
12 Nov 2026
NAV
8.9%
3Y CAGR
9.0%
5Y CAGR
8.6%
10Y CAGR
8.8%
Weighted CAGR
?
Weighted Mean CAGR
Gives more importance to longer time periods (10Y, 20Y) than shorter ones (1Y, 3Y). This balances out recent outperformance and gives a more realistic picture of what long-term returns might look like.
Gives more importance to longer time periods (10Y, 20Y) than shorter ones (1Y, 3Y). This balances out recent outperformance and gives a more realistic picture of what long-term returns might look like.
5.13
Sharpe
-7.8%
Max Drawdown
?
Max Drawdown
The largest peak-to-trough decline in the fund's NAV. Shows the worst-case loss an investor would have experienced at any point in the fund's history.
The largest peak-to-trough decline in the fund's NAV. Shows the worst-case loss an investor would have experienced at any point in the fund's history.
NA
TER
If you invested ₹1,00,000 every month via SIP, here's how this fund has historically performed across different time horizons.
| Duration | Invested | Median Value | XIRR | Min XIRR | Max XIRR |
|---|---|---|---|---|---|
| 1 Year | ₹12.00 L | ₹12.48 L | 8.7% | -6.5% | 19.4% |
| 3 Years | ₹36.00 L | ₹40.85 L | 8.7% | 2.2% | 13.6% |
| 5 Years | ₹60.00 L | ₹75.25 L | 9.2% | 5.4% | 11.9% |
| 7 Years | ₹84.00 L | ₹1.16 Cr | 9.1% | 6.6% | 10.9% |
| 10 Years | ₹1.20 Cr | ₹1.82 Cr | 8.2% | 7.3% | 9.1% |
SIP returns vs benchmark & category
Annualised SIP return (XIRR) over each rolling horizon — like-for-like, not lump-sum.
| Duration | Fund SIP XIRR | NIFTY 50 | Category avg | Fund edge |
|---|---|---|---|---|
| 1 Year | 8.7% | 14.3% | 6.7% | -5.6% |
| 3 Years | 8.7% | 11.0% | 12.8% | -2.3% |
| 5 Years | 9.2% | 10.4% | 13.3% | -1.2% |
| 7 Years | 9.1% | 10.6% | 12.2% | -1.4% |
| 10 Years | 8.2% | 11.4% | 12.3% | -3.3% |
| Duration | Mean | Median | Min | Max | Sharpe | Sortino | % Positive | Cat. Mean | Cat. Median |
|---|---|---|---|---|---|---|---|---|---|
| 1 Year | 8.8% | 8.7% | -1.7% | 19.6% | 0.49 | 1.16 | 99% | — | — |
| 3 Years | 8.9% | 9.3% | 5.0% | 12.0% | 1.71 | 13.25 | 100% | — | — |
| 5 Years | 9.0% | 9.2% | 6.5% | 11.3% | 2.22 | — | 100% | — | — |
| 10 Years | 8.6% | 8.7% | 7.8% | 9.6% | 5.13 | — | 100% | — | — |
-7.8%
Max Drawdown
1 mo
Drawdown Duration
4 mo
Recovery Time
-0.6%
Avg Drawdown
Calmar Ratio by Duration
1.12
1Y
1.14
3Y
1.15
5Y
1.14
7Y
1.10
10Y
Compared against NIFTY 50
| Duration | Alpha | Beta | Upside Capture | Downside Capture | Fund CAGR | Bench CAGR |
|---|---|---|---|---|---|---|
| 1 Year | -2.87 | 0.26 | 25.9% | 23.8% | 1.4% | -2.1% |
| 3 Years | -0.02 | 0.25 | 26.5% | 20.2% | 7.1% | 8.9% |
| 5 Years | +0.54 | 0.21 | 24.4% | 17.5% | 7.1% | 6.8% |
| 7 Years | +1.00 | 0.16 | 21.2% | 14.7% | 8.3% | 11.2% |
| 10 Years | +0.84 | 0.16 | 21.8% | 15.1% | 8.2% | 11.5% |
| 12 Years | +0.58 | 0.16 | 22.1% | 14.7% | 7.8% | 11.2% |
| 15 Years | -0.66 | 0.16 | 22.1% | 14.7% | 6.2% | 8.9% |
42
Total Holdings
30.1%
Top 10 Weight
23
Sectors
| # | Stock | % of NAV |
|---|---|---|
| 1 | ICICI Bank Ltd. | 8.52% |
| 2 | Larsen and Toubro Ltd. | 7.81% |
| 3 | Reliance Industries Ltd. | 5.54% |
| 4 | HDFC Bank Ltd.£ | 2.17% |
| 5 | State Bank of India | 1.34% |
| 6 | Axis Bank Ltd. | 1.13% |
| 7 | Bharti Airtel Ltd. | 1.13% |
| 8 | Infosys Limited | 0.85% |
| 9 | Firstsource Solutions Ltd. | 0.84% |
| 10 | Maruti Suzuki India Limited | 0.82% |