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HDFC Retirement Fund - Hybrid Debt Plan
Conservative HybridRank #26
2/5
NAV (2026-09-11)
₹21.63
AUM
₹146.34 Cr
Exp. Ratio: 2.33%
RISK LEVEL
Moderately High
Returns & Performance
1 Year0.34%1.73% vs cat avgRank #26
3 Year5.43%1.63% vs cat avgRank #26
5 Year5.86%0.87% vs cat avgRank #19
Since Launch7.59%2.04% vs cat avg
Fund vs Category Average
1Y
0.34%-1.73%
3Y
5.43%-1.63%
5Y
5.86%-0.87%
Pros & Cons
Pros
No notable pros identified
Cons
✖1Y returns trail category average
✖3Y returns below category average
✖5Y returns below category average
✖Higher expense ratio (2.33%)
✖1Y category rank outside top 15 (#26)
✖Overall rank #26 in category
✖Returns since launch below category avg
ISININF179KB1MK0
NAV₹21.63
NAV Date2026-09-11
AUM₹146.34 Cr
Expense Ratio2.33%
RiskModerately High
Rating2 / 5
Lock-in Period5 days
Min SIP Amount₹100
Max SIP Amount₹999999999
Min Additional Inv.₹100
SIP AllowedYes
Plan TypeRegular
Plan OptionGrowth
Is NFONo
Fund House Incorp.1999-12-10
INVESTMENT OBJECTIVE
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.
Exit Load--
Stamp duty on investment0.005% (from July 1st, 2020)
Tax implicationsReturns are taxed as per your income tax slab.
Gopal Agrawal
Mr.Agrawal is a B.E and MBM.
Prior to joining HDFC Mutual Fund he has worked with DSP Mutual Fund, Tata AMC, Mirae Asset Mutual Fund ,SBI Mutual Fund, Kotak Securities, HDFC Securities, IDBI Capital, UTI Securities and IPCL.
Top Holdings
Company
Sector
Asset Value (Cr)
Asset %
ICICI Bank Ltd.
Financial
₹12.39
8.47
Larsen & Toubro Ltd.
Construction
₹11.41
7.79
Reliance Industries Ltd.
Energy
₹8.49
5.80
Indian Railway Finance Corporation Ltd. 8.4 08/01/2029
Common questions about this fund, answered from scheme data
The latest Net Asset Value (NAV) of HDFC Retirement Fund - Hybrid Debt Plan is ₹21.63 as of 2026-09-11.
HDFC Retirement Fund - Hybrid Debt Plan is classified as a Conservative Hybrid fund.
HDFC Retirement Fund - Hybrid Debt Plan is managed by HDFC Mutual Fund.
The Assets Under Management (AUM) of HDFC Retirement Fund - Hybrid Debt Plan is ₹146.34 Cr.
The expense ratio of HDFC Retirement Fund - Hybrid Debt Plan is 2.33%.
HDFC Retirement Fund - Hybrid Debt Plan is managed by Gopal Agrawal.
The minimum SIP investment for HDFC Retirement Fund - Hybrid Debt Plan is ₹100.
As per the SEBI Riskometer, HDFC Retirement Fund - Hybrid Debt Plan carries a Moderately High risk level.
HDFC Retirement Fund - Hybrid Debt Plan has delivered 0.34% (1Y), 5.43% (3Y) and 5.86% (5Y) annualised returns as of 2026-09-11.
HDFC Retirement Fund - Hybrid Debt Plan was launched on 1999-12-10.
Open an account with Indiabulls Securities, complete your KYC, and invest via SIP or a one-time lumpsum through our platform.
A Systematic Investment Plan (SIP) lets you invest a fixed amount at regular intervals (e.g., monthly) instead of a single lumpsum.
There is no separate brokerage on mutual fund units. The AMC charges an expense ratio, which is already reflected in the NAV. An exit load may apply if you redeem before the specified period.
Mutual fund NAVs are declared once per business day after market close, in line with SEBI norms.
The FAQs above are generated from data provided by the AMC and are for educational purposes only. They do not constitute financial advice, buy/sell recommendations, or return guarantees. Mutual fund investments are subject to market risks — read all scheme-related documents carefully before investing. Past performance is not indicative of future returns.
