HDFC Retirement Fund Hybrid Equity Plan
Direct · Growth ₹43.72
12 Nov 2026
NAV
14.7%
3Y CAGR
15.5%
5Y CAGR
13.5%
10Y CAGR
14.4%
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.
7.48
Sharpe
-27.5%
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 | ₹12.66 L | 14.7% | -43.1% | 71.4% |
| 3 Years | ₹36.00 L | ₹44.93 L | 14.2% | -12.9% | 29.0% |
| 5 Years | ₹60.00 L | ₹88.66 L | 16.1% | 5.8% | 23.6% |
| 7 Years | ₹84.00 L | ₹1.47 Cr | 15.7% | 9.8% | 20.2% |
| 10 Years | ₹1.20 Cr | ₹2.29 Cr | 12.7% | 11.0% | 15.1% |
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 | 14.7% | 14.3% | 6.7% | +0.5% |
| 3 Years | 14.2% | 11.0% | 12.8% | +3.1% |
| 5 Years | 16.1% | 10.4% | 13.3% | +5.7% |
| 7 Years | 15.7% | 10.6% | 12.2% | +5.2% |
| 10 Years | 12.7% | 11.4% | 12.3% | +1.3% |
| Duration | Mean | Median | Min | Max | Sharpe | Sortino | % Positive | Cat. Mean | Cat. Median |
|---|---|---|---|---|---|---|---|---|---|
| 1 Year | 14.8% | 10.5% | -22.2% | 69.9% | 0.56 | 1.76 | 88% | — | — |
| 3 Years | 14.7% | 15.8% | -0.7% | 28.5% | 1.59 | 9.01 | 100% | — | — |
| 5 Years | 15.5% | 16.0% | 8.0% | 24.9% | 2.69 | — | 100% | — | — |
| 10 Years | 13.5% | 13.6% | 11.8% | 16.1% | 7.48 | — | 100% | — | — |
-27.5%
Max Drawdown
1 mo
Drawdown Duration
7 mo
Recovery Time
-2.9%
Avg Drawdown
Calmar Ratio by Duration
0.54
1Y
0.54
3Y
0.56
5Y
0.54
7Y
0.49
10Y
Compared against NIFTY 50
| Duration | Alpha | Beta | Upside Capture | Downside Capture | Fund CAGR | Bench CAGR |
|---|---|---|---|---|---|---|
| 1 Year | -3.42 | 0.70 | 66.3% | 68.1% | -2.9% | -2.1% |
| 3 Years | +0.39 | 0.67 | 67.5% | 64.3% | 8.5% | 8.9% |
| 5 Years | +2.66 | 0.65 | 66.0% | 60.2% | 9.3% | 6.8% |
| 7 Years | +4.02 | 0.62 | 65.3% | 59.0% | 13.4% | 11.2% |
| 10 Years | +3.14 | 0.63 | 65.7% | 60.0% | 12.8% | 11.5% |
| 12 Years | +3.49 | 0.63 | 66.5% | 59.5% | 13.0% | 11.2% |
| 15 Years | +2.24 | 0.63 | 66.5% | 59.5% | 10.2% | 8.9% |
60
Total Holdings
34.7%
Top 10 Weight
29
Sectors
| # | Stock | % of NAV |
|---|---|---|
| 1 | ICICI Bank Ltd. | 6.43% |
| 2 | HDFC Bank Ltd.£ | 5.46% |
| 3 | Kotak Mahindra Bank Limited | 3.94% |
| 4 | Reliance Industries Ltd. | 3.45% |
| 5 | Axis Bank Ltd. | 3.20% |
| 6 | State Bank of India | 3.16% |
| 7 | Bharti Airtel Ltd. | 2.59% |
| 8 | Infosys Limited | 2.34% |
| 9 | Maruti Suzuki India Limited | 2.25% |
| 10 | Larsen and Toubro Ltd. | 1.91% |