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SOLUTION ORIENTED•RETIREMENT FUND

HDFC Retirement Savings Fund Hybrid Debt

3 Year return

9.65%
NAV on December 12, 2025
24.7933
1D Returns
+0.02%
Launched on February 2016(9 years)

Investment Details

₹100
Minimum SIP Amount
₹100
Minimum one time investment
Lock-in period: 5.0000 years

Calculate Returns

Based on past performance of this fund

₹
Your Investment₹3,600
Gain
16.36%₹589
Total Value ₹4,189

Risk Involved

scale
Your principal will be at
Very High Risk

Scheme Information

Asset Under Management
₹161.67 Cr.
Expense Ratio
1.08% (inclusive of GST)
Exit Load
Nil

Ratings

ARQ Rating
5

Ratings by other agencies

Value Research
4
Crisil
0
Morning Star
0

Tax Implications

Tax on gains as per your income tax bracket

HDFC Mutual Fund Manager

AA

Arun Agarwal

Fund Manager since Oct 2022

DM

Dhruv Muchhal

Fund Manager since Jun 2023

NM

Nandita Menezes

Fund Manager since Mar 2025

SM

Shobhit Mehrotra

Fund Manager since Feb 2016

SR

Srinivasan Ramamurthy

Fund Manager since Jul 2022

Fund House Details

HDFC Mutual Fund

HDFC Mutual Fund

Asset management company

AUM
₹8,93,027.76 Cr.
No. of Schemes
182
Setup Date
July 2000

Peer Comparison

Comparison with other similar funds

Funds3 Y ReturnsARQ Rating
HDFC Retirement Savings Fund Equity18.4736%
5
Nippon India Retirement Fund Wealth Creation Scheme16.4593%
3.5
HDFC Retirement Savings Fund Hybrid Equity15.1757%
5

Schemes by HDFC Mutual Fund

List of mutual fund schemes by AMC

About HDFC Retirement Savings Fund Hybrid Debt Plan Growth Direct Plan

HDFC Retirement Savings Fund Hybrid Debt Plan Growth Direct Plan is an open-ended hybrid mutual fund scheme available by HDFC Mutual Fund. It is a notified scheme that has a tax-saving feature and a lock-in period of 5 years or until retirement is reached (whichever arrives earlier). The fund is specially established to aid investors in planning for their retirement. The fund comprises investing in a blend of diverse equity (small-cap, large-cap, and mid-cap company stocks) and debt (low-risk and government securities), giving investors a potentially balanced portfolio.

Investment Objective of the Scheme

The HDFC Retirement Savings Fund Hybrid Debt Plan Growth Direct Plan’s main objective is the provision of long-term appreciation of capital via the investment of a balanced portfolio of debt and equity-oriented securities. The aim of the fund is to grow a retirement corpus for investors through equity and manage potential risk via debt. Basically, the fund aims at aiding investors in meeting their goals for retirement.

Key Features of The Fund

5-year return
9.1893%
Expense Ratio
1.08%
Fund Manager
Arun Agarwal
Fund Size
₹161.67 Cr.
Risk Profile
Moderately High

Is This Scheme Right for Me?

In case you are an investor who is planning your finances for retirement, you may consider the HDFC Retirement Savings Fund Hybrid Debt Plan Growth Direct Plan. For investors with a medium risk appetite, such a fund may be considered in mutual fund investment. Nonetheless, before you make any decisions with regard to your investment, you may want to align your investment plans with your own financial goals.

AMC Contact Details

NameHDFC Mutual Fund
Launch DateJuly 2000
Address"HDFC House", 2nd Floor, H. T. Parekh Marg, 165-166, Backbay Reclamation, Churchgate, Mumbai - 400020
Contact1800 3010 67671800 419 7676
Emailhello@hdfcfund.com
Websitehttps://www.hdfcfund.com/
Disclaimer: Mutual funds are subject to market risk. Read all scheme-related documents carefully to make informed-decision.

Choose the SIP Amount That Suits You the Best

Not sure how much to invest with your SIP? Don't sweat it! Angel One's SIP calculator is here to help. Just enter your goals and timeframe, and we'll show you a range of possible investment amounts that could get you there. No more guesswork - find the perfect SIP amount that fits your budget and puts you on the path to financial success. Get started with your SIP calculator today and watch your dreams take flight!

FAQs

NAV, or Net Asset Value, is the price of a single unit of a mutual fund. It is calculated by dividing the current value of holdings held by the mutual fund scheme at the end of the day by the total number of units issued. The NAV changes every day. The NAV of HDFC Retirement Savings Fund Hybrid Debt on December 12, 2025, is ₹24.7933
Short for Asset Under Management, AUM means the total assets held by a mutual fund scheme. The AUM of the fund changes every day based on the fluctuation in the price of the underlying assets. Fund houses don't update AUM on a daily basis. They only update it at the end of the month and release it within a few days of the following month. The AUM of HDFC Retirement Savings Fund Hybrid Debt, is ₹161.67 crore.
The expense ratio is the annual charges you pay to the mutual fund house for managing your investments. It is a percentage of Assets Under Management. It is deducted from the fund's returns. The expense ratio of HDFC Retirement Savings Fund Hybrid Debt is 1.08%
The HDFC Retirement Savings Fund Hybrid Debt was launched on February 05, 2016. The fund has delivered a CAGR of undefined since inception.
A Systematic Investment Plan (SIP) in mutual funds allows you to invest small amounts periodically instead of a one-time investment. The frequency of investment can be monthly, quarterly, half-yearly or annually, as per your convenience. The minimum SIP for HDFC Retirement Savings Fund Hybrid Debt is ₹undefined.
  1. Make sure you are logged in to Angel One.
  2. Select the type of investment: SIP or one-time.
  3. In case of an SIP, select the amount and date and click ‘Start SIP’. In case of a one-time investment, enter just the amount.
  4. Proceed by clicking the pay button and choosing your mode of payment.
  5. Your portfolio will be updated with this investment in 3-5 working days.
  1. Click on the ‘Invest’ button.
  2. Enter your desired SIP amount and the SIP date.
  3. You can uncheck the ‘Make first payment now’ box if you don’t want to make the payment right away.
  4. Choose your payment method between UPI and Net Banking.
  5. Make your payment.
  6. Your SIP is created.
  1. Once you create an SIP, click on ‘Set up autopay’
  2. Select your desired verification method - debit card, net banking or Aadhar method credentials - and click on submit.
  3. Once you verify the OTP, your mandate request will be created.
  1. Go to the ‘Investments’ section and click on the mutual fund scheme you want to withdraw.
  2. Enter the amount you want to withdraw and tap the ‘Withdraw’ button.
  3. Verify the details on the ‘Confirm withdraw’ screen.
  4. Select the bank account in which you want to receive the funds.
  5. You will receive your funds within three working days of placing the order.
  6. You can track your order in the ‘Orders’ section.

ENTER AMOUNT

₹
₹4,189 in 3Y at 9.6486% returns
SIP Date1st of every month

Your next SIP Payment will be on 13 January 2026

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