Should I invest in HDFC Retirement Savings Fund - Hybrid-Debt Plan?

We don't give personal investment advice. HDFC Retirement Savings Fund - Hybrid-Debt Plan - Growth Option is suitable for an investor whose:understands what asset class this scheme actually invests in (check the factsheet)matches that asset class's volatility profile to their goal horizonCross-check the numbers above against alternatives before deciding. Worst 5-year drawdown: 4.2%. 5-year CAGR: 6.21%.

HDFC

HDFC Retirement Savings Fund - Hybrid-Debt Plan - Growth Option

Latest NAV

₹21.3956

As of

3 Jun 2026

2,481 NAV records on file

NAV history & peer comparison

All NAVs split-adjusted and normalised to 100 at the start of the selected period, so funds with very different absolute NAV scales can be compared on one axis.

Period

Add another fund to compare

No matches.

Compares up to 8 funds. Click any line in the legend above to hide/show it.

Returns matrix

Fund return alongside the category average and peer rank for every standard window. Returns under one year are absolute; one year and longer are compound annualised (CAGR).

Window	Fund	Category avg	+/− vs avg	Rank	Quartile
1D	+0.07%	+0.16%	-0.09	9 / 11	Q4
1W	-0.33%	-0.86%	+0.52	5 / 11	Q2
2W	+0.10%	+0.10%	+0.00	6 / 11	Q3
1M	-0.67%	-1.05%	+0.38	6 / 11	Q3
3M	-1.94%	-1.48%	-0.46	9 / 11	Q4
6M	-2.31%	-3.09%	+0.78	5 / 11	Q2
YTD	-2.51%	-3.28%	+0.77	5 / 11	Q2
1Y	-0.87%	+0.25%	-1.12	5 / 11	Q2
2Y	+3.36%	+3.39%	-0.03	5 / 11	Q2
3Y	+6.24%	+11.15%	-4.91	8 / 11	Q3
4Y	+7.32%	+11.57%	-4.25	8 / 11	Q3
5Y	+6.21%	+10.29%	-4.09	8 / 11	Q3
7Y	+7.03%	+10.25%	-3.21	8 / 11	Q3
10Y	+7.38%	+9.87%	-2.49	5 / 7	Q3
Inception	+7.67%	+10.54%	-2.87	8 / 11	Q3

Quartile legend: Q1 top 25% Q2 25-50% Q3 50-75% Q4 bottom 25%

Calendar-year returns

Full-year performance vs category average. Current year is partial (year-to-date).

Year	Fund	Category avg	+/− vs avg	Rank
2026 YTD	-2.51%	-3.28%	+0.77	5 / 11
2025	+5.09%	+5.70%	-0.61	5 / 11
2024	+9.87%	+15.02%	-5.15	9 / 11
2023	+11.00%	+21.68%	-10.68	8 / 11
2022	+3.70%	+2.84%	+0.86	3 / 11
2021	+8.65%	+20.89%	-12.24	7 / 11
2020	+10.30%	+10.17%	+0.12	8 / 11
2019	+7.51%	+6.46%	+1.05	3 / 7
2018	+0.75%	-1.56%	+2.31	3 / 7
2017	+11.74%	+22.74%	-11.00	5 / 7
2016	—	—	—	—

Rolling returns

Removes start-date bias by averaging CAGR over every overlapping N-year window in the fund's history. Higher average plus tight min/max plus high "% positive" = consistent.

1-Year rolling

+7.70%

113 windows

min -0.9% · max 16.4%

96% positive

3-Year rolling

+7.68%

89 windows

min 3.8% · max 10.4%

100% positive

5-Year rolling

+7.83%

65 windows

min 5.8% · max 9.6%

100% positive

7-Year rolling

+7.67%

40 windows

min 7.0% · max 8.4%

100% positive

Limited basis — fund is young, so this average may be skewed by which 7Y windows happen to be available.

SIP returns — historical "what if"

If you had invested every month in this fund over the chosen period, this is what your investment would be worth today.

Period

Total invested

₹ —

Today's value

₹ —

XIRR

Annualised

Wealth multiplier

Period	Total invested	Today's value	XIRR	Wealth multiplier

XIRR is the annualised internal rate of return on the SIP cash flow — invariant to the monthly amount. "Today's value" and "Total invested" scale linearly with the slider. Past performance does not guarantee future returns. Excludes exit load and taxes.

Risk profile

Risk-adjusted return and volatility, computed from monthly NAV returns over the trailing 3-year and 5-year windows.

Std deviation

4.06%

3-year · annualised

Sharpe ratio

-0.09

vs risk-free 6.5%

Sortino ratio

-0.15

Downside-only deviation

Max drawdown

-4.17%

Jan 2026 → Mar 2026

% positive months

75.0%

Share of monthly returns > 0 over the 3-year window

Sharpe / Sortino use a risk-free rate of 6.5% (1-year T-bill proxy). Higher Sharpe = more return per unit of total risk; higher Sortino = more return per unit of downside risk.

Peers in Retirement Fund

Scheme	Fund house	NAV	As of
HDFC Retirement Savings Fund - Equity Plan - Growth Option	HDFC	₹46.8480	3 Jun 2026
Nippon India Retirement Fund- Income Generation Scheme- Direct Plan- Growth Plan - Growth Option	Nippon India	₹22.6936	3 Jun 2026
SBI Retirement Benefit Fund - Aggressive Hybrid Plan - Direct Plan - Growth	SBI	₹19.7204	3 Jun 2026
ICICI Prudential Retirement Fund - Hybrid Aggressive - Direct Plan - Growth Option	ICICI Prudential	₹30.3700	3 Jun 2026
Bandhan Retirement Fund - Direct Plan - Growth	Bandhan	₹12.8150	3 Jun 2026
Aditya Birla Sun Life Retirement Fund-The 30s Plan-Direct Growth	Aditya Birla Sun Life	₹23.5840	3 Jun 2026
Franklin India Retirement Fund - Direct - Growth	Franklin India	₹235.8290	3 Jun 2026
Baroda BNP Paribas Retirement Fund - Direct plan - Growth option	Baroda BNP Paribas	₹11.4604	3 Jun 2026
PGIM India Retirement Fund - Direct Plan - Growth Option	PGIM India	₹11.9600	3 Jun 2026
Axis Retirement Fund - Aggressive Plan - Direct Growth	Axis	₹19.4100	3 Jun 2026

Recent NAVs

Date	NAV
3 Jun 2026	₹21.3956
2 Jun 2026	₹21.4132
1 Jun 2026	₹21.3976
29 May 2026	₹21.4273
27 May 2026	₹21.4746
26 May 2026	₹21.4849
25 May 2026	₹21.5108
22 May 2026	₹21.4117
21 May 2026	₹21.3941
20 May 2026	₹21.3929

Frequently asked questions

These answers are generated from this fund's live metrics — NAV, returns, peer rank, drawdown, SIP backtest. Numbers refresh nightly after AMFI's NAV feed lands.

As of 03 Jun 2026, the NAV of HDFC Retirement Savings Fund - Hybrid-Debt Plan - Growth Option is ₹21.3956. It's a Retirement Fund from HDFC, run as a Unknown plan Growth option. NAVs update once per business day from the AMFI feed.

HDFC Retirement Savings Fund - Hybrid-Debt Plan - Growth Option has NAV history starting from 26 Feb 2016, a track record of about 10 years 3 months. That's enough history to evaluate the fund across one or two market cycles. Look at rolling returns rather than point-to-point to judge consistency.

HDFC Retirement Savings Fund - Hybrid-Debt Plan - Growth Option is managed by HDFC. It's classified by AMFI under the 'Retirement Fund' SEBI category, which determines its peer set and tax treatment.

Over the trailing 1-year window, HDFC Retirement Savings Fund - Hybrid-Debt Plan - Growth Option has delivered a absolute return of -0.87% — -1.12 pp behind the Retirement Fund category average of 0.25%. The fund ranks #5 of 11 in its category — the second (Q2) quartile.

Over the trailing 3-year window, HDFC Retirement Savings Fund - Hybrid-Debt Plan - Growth Option has delivered a CAGR of 6.24% — -4.91 pp behind the Retirement Fund category average of 11.15%. The fund ranks #8 of 11 in its category — the third (Q3) quartile.

Over the trailing 5-year window, HDFC Retirement Savings Fund - Hybrid-Debt Plan - Growth Option has delivered a CAGR of 6.21% — -4.09 pp behind the Retirement Fund category average of 10.29%. The fund ranks #8 of 11 in its category — the third (Q3) quartile.

₹1 lakh invested in HDFC Retirement Savings Fund - Hybrid-Debt Plan - Growth Option exactly 10 years ago would be worth approximately ₹203,749 today — a multiplier of 2.04×, based on the 10-year CAGR of 7.38%. The category average over the same window would have grown ₹1 lakh to ₹256,346.

A ₹10,000 monthly SIP in HDFC Retirement Savings Fund - Hybrid-Debt Plan - Growth Option over the last 5 years — total invested ₹600,000 — would be worth ₹689,895 today. That's an XIRR (money-weighted annualised return) of 5.52%.

A ₹10,000 monthly SIP for 10 years in HDFC Retirement Savings Fund - Hybrid-Debt Plan - Growth Option = ₹1,200,000 invested. It would currently be worth ₹1,692,970 (multiplier 1.41×). XIRR: 6.69%. Long-horizon SIP results matter more than point-to-point returns because they smooth out entry timing.

On a 5-year basis, HDFC Retirement Savings Fund - Hybrid-Debt Plan - Growth Option ranks #8 out of 11 funds in the Retirement Fund category — that places it in the third quartile (Q3) — below the median. The category average return over the same window is 10.29%; this fund delivered 6.21%.

The worst peak-to-trough decline HDFC Retirement Savings Fund - Hybrid-Debt Plan - Growth Option has experienced over the last 5-year window is 4.17% — its NAV fell from a high on 06 Jan 2026 to a low on 30 Mar 2026. Drawdown is a useful gauge of how much short-term pain you'd have endured to capture the long-term return.

Across all 5-year rolling windows, HDFC Retirement Savings Fund - Hybrid-Debt Plan - Growth Option averaged 7.83% (best 9.58%, worst 5.80%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is -0.09 — negative risk-adjusted performance.

In calendar year 2025, HDFC Retirement Savings Fund - Hybrid-Debt Plan - Growth Option returned 5.09% — lagging the Retirement Fund category average of 5.70% by 0.61 pp. It ranked #5 of 11 in its category that year.

HDFC Retirement Savings Fund - Hybrid-Debt Plan - Growth Option doesn't fit cleanly into the standard Equity/Debt buckets in our taxonomy. Tax treatment depends on actual asset allocation as disclosed by the AMC — check the factsheet or AMFI's classification table.

We don't give personal investment advice. HDFC Retirement Savings Fund - Hybrid-Debt Plan - Growth Option is suitable for an investor whose:

understands what asset class this scheme actually invests in (check the factsheet)
matches that asset class's volatility profile to their goal horizon

Cross-check the numbers above against alternatives before deciding. Worst 5-year drawdown: 4.2%. 5-year CAGR: 6.21%.

Educational content only — not investment advice. Tax rules summarised above reflect Budget 2024; consult a qualified adviser before transacting.

HDFC Retirement Savings Fund - Hybrid-Debt Plan - Growth Option

NAV history & peer comparison

Returns matrix

Calendar-year returns

Rolling returns

SIP returns — historical "what if"

Risk profile

Peers in Retirement Fund

Recent NAVs

Frequently asked questions

More from HDFC