HDFC Retirement Fund - Hybrid Debt Plan - Direct Plan
Get the latest NAV of HDFC Retirement Fund - Hybrid Debt Plan - Direct Plan. View historical returns compared to its benchmark and category average. Know which stocks and sectors the fund is investing in. Get an estimate of returns from the SIP and lump sum returns calculator. View detailed holding analysis and peer comparison. Get INDmoney ranking of the fund.
₹24.91
1D
NAV as on 27 Aug 2026
9.08%/per year
Since Inception
▲▼
130 people have invested ₹ 2.6L in HDFC Retirement Fund Hybrid Debt in the last three months
HDFC Retirement Fund Hybrid Debt Performance vs. Retirement Index
Fund returns vs Benchmark returns vs Category Average returns as on (27-Aug-26)
The fund has outperformed the benchmark (Retirement Index) over 3Y, 5Y, but underperformed over 1Y.
Peer comparison
HDFC Retirement Fund Hybrid Debt Returns Calculator
Calculate SIP and lumpsum returns based on historical performance
Total Investment
0
Profit
Total Corpus
0
HDFC Retirement Fund Hybrid Debt Asset Allocation
See fund asset allocation details as on (15-Aug-26)
Fund Distribution
as on (15-Aug-26)
HDFC Retirement Fund Hybrid Debt Sector Allocation
See fund sector allocation details as on (15-Aug-26)
Sector Allocation
Top 3 Sectors in July were Government, Financial Services & Industrial
Government
50%
Financial Services
37%
Industrial
24%
Government
50%
Financial Services
37%
Industrial
26%
HDFC Retirement Fund Hybrid Debt Holdings Details
as on (31-Jul-26)
HDFC Retirement Fund Hybrid Debt Overview
Get key fund statistics, minimum investment details, AUM, expense ratio, exit load, and tax treatment.
| Expense ratio | 1.35% |
Benchmark | Nifty Composite Debt Index PR INR |
| AUM | ₹148 Cr |
| Inception Date | 25 February, 2016 |
| Min Lumpsum/SIP | ₹100/₹100 |
| Exit Load | 0% |
| Lock In | 5 Years |
TurnOver | 10.21% |
| Risk |   Moderately High risk |
About HDFC Retirement Fund Hybrid Debt
HDFC Retirement Fund - Hybrid Debt Plan - Direct Plan is a hybrid fund. This fund was started on 25 February, 2016. The fund is managed by Anupam Joshi, Nandita Menezes, Dhruv Muchhal, Srinivasan Ramamurthy, Arun Agarwal. This fund gives you the benefit of diversification.
Key Parameters
- HDFC Retirement Fund Hybrid Debt has ₹148 Cr worth of assets under management (AUM) as on Aug 2026 and is more than category average.
- The fund has an expense ratio 1.4.
Returns
HDFC Retirement Fund Hybrid Debt has given a CAGR return of 9.08% since inception. Over the last 1, 3 and 5 years the fund has given a CAGR return of 2.73%, 7.22% and 7.47% respectively.
Holdings
HDFC Retirement Fund Hybrid Debt has allocated its funds majorly in Government, Cash Equivalent, Financial Services, Industrial, Energy, Corporate, Consumer Cyclical, Tech, Health, Communication, Utilities, Consumer Defensive, Basic Materials.
Taxation
As it is a retirement mutual fund the taxation is as follows:If the fund is equity oriented i.e. asset allocation of more than 65% in equity instruments:For short term (less than a year) capital gains will be taxed at 20%For long term (more than 1 year) capital gains will be taxed at 12.5% without indexation benefitLong term gains up to Rs 1 lakh are exempt from taxation (more than 12 months).
Investment objective of HDFC Retirement Fund Hybrid Debt
The investment objective of the Scheme is to provide long-term capital appreciation / income by investing in a mix of equity and debt instruments to help investors meet their retirement goals. There is no assurance that the investment objective of the Scheme will be realized.
Minimum Investment and lockin period
Minimum investment for lump sum payment is INR 100.00 and for SIP is INR 100.00. There is a lock in period for HDFC Retirement Fund Hybrid Debt of 5 Years
Fund Manager
Anupam Joshi
Fund Manager of HDFC Retirement Fund Hybrid Debt, since 7 March 2026
Nandita Menezes
Fund Manager of HDFC Retirement Fund Hybrid Debt, since 1 April 2025
Dhruv Muchhal
Fund Manager of HDFC Retirement Fund Hybrid Debt, since 22 June 2023
Srinivasan Ramamurthy
Fund Manager of HDFC Retirement Fund Hybrid Debt, since 14 December 2021
Arun Agarwal
Fund Manager of HDFC Retirement Fund Hybrid Debt, since 1 April 2025
- AUM of the fund stands at 148.3 Cr as of Jul'26
- AUM decreased by 1.4 Cr between Jul'26 and Jun'26
Frequently Asked Questions for HDFC Retirement Fund - Hybrid Debt Plan - Direct Plan
How do I invest in HDFC Retirement Fund Hybrid Debt?
- Download the INDmoney app.
- Search for ‘HDFC Retirement Fund Hybrid Debt’.
- Select whether you want to invest in SIP or lump sum.
- Enter the amount you wish to invest.
- Set up payments via bank mandate or UPI.