HDFC Retirement Savings Fund Hybrid Debt Plan
Direct · Growth ₹21.95
06 Jul 2026
NAV
7.7%
3Y CAGR
7.8%
5Y CAGR
7.5%
10Y CAGR
7.6%
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.
5.19
Sharpe
-7.9%
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 | ₹12.42 L | 7.5% | -7.5% | 18.1% |
| 3 Years | ₹36.00 L | ₹40.18 L | 7.6% | 0.9% | 12.4% |
| 5 Years | ₹60.00 L | ₹73.07 L | 8.0% | 5.4% | 10.6% |
| 7 Years | ₹84.00 L | ₹1.11 Cr | 8.0% | 6.3% | 9.6% |
| 10 Years | ₹1.20 Cr | ₹1.71 Cr | 7.1% | 6.6% | 7.8% |
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 | 7.5% | 14.5% | 11.7% | -6.9% |
| 3 Years | 7.6% | 11.2% | 12.7% | -3.6% |
| 5 Years | 8.0% | 10.4% | 12.4% | -2.4% |
| 7 Years | 8.0% | 10.6% | 12.6% | -2.6% |
| 10 Years | 7.1% | 11.5% | 11.6% | -4.4% |
| Duration | Mean | Median | Min | Max | Sharpe | Sortino | % Positive | Cat. Mean | Cat. Median |
|---|---|---|---|---|---|---|---|---|---|
| 1 Year | 7.7% | 7.6% | -1.8% | 18.3% | 0.26 | 0.48 | 97% | — | — |
| 3 Years | 7.7% | 8.0% | 3.6% | 10.7% | 0.84 | 2.01 | 100% | — | — |
| 5 Years | 7.8% | 7.9% | 5.6% | 10.0% | 1.21 | 8.26 | 100% | — | — |
| 10 Years | 7.5% | 7.5% | 7.2% | 8.2% | 5.19 | — | 100% | — | — |
-7.9%
Max Drawdown
1 mo
Drawdown Duration
4 mo
Recovery Time
-0.7%
Avg Drawdown
Calmar Ratio by Duration
0.96
1Y
0.97
3Y
0.98
5Y
0.97
7Y
0.95
10Y
Compared against NIFTY 50
| Duration | Alpha | Beta | Upside Capture | Downside Capture | Fund CAGR | Bench CAGR |
|---|---|---|---|---|---|---|
| 1 Year | -3.21 | 0.26 | 25.1% | 23.2% | 1.6% | 0.2% |
| 3 Years | -0.53 | 0.24 | 26.3% | 20.5% | 6.5% | 8.5% |
| 5 Years | -0.61 | 0.21 | 23.0% | 17.4% | 6.4% | 9.0% |
| 7 Years | +0.14 | 0.16 | 20.4% | 14.8% | 7.6% | 12.5% |
| 10 Years | +0.06 | 0.16 | 21.3% | 15.5% | 7.3% | 11.2% |
| 12 Years | -0.56 | 0.16 | 21.3% | 15.1% | 6.7% | 11.1% |
| 15 Years | -1.55 | 0.16 | 21.3% | 15.1% | 5.3% | 8.8% |
40
Total Holdings
28.5%
Top 10 Weight
23
Sectors
| # | Stock | % of NAV |
|---|---|---|
| 1 | Larsen and Toubro Ltd. | 7.64% |
| 2 | ICICI Bank Ltd. | 7.11% |
| 3 | Reliance Industries Ltd. | 5.84% |
| 4 | HDFC Bank Ltd.£ | 2.17% |
| 5 | State Bank of India | 1.25% |
| 6 | Axis Bank Ltd. | 1.11% |
| 7 | Bharti Airtel Ltd. | 0.97% |
| 8 | Maruti Suzuki India Limited | 0.87% |
| 9 | Infosys Limited | 0.77% |
| 10 | Tata Consultancy Services Ltd. | 0.75% |