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: 6.43%.

HDFC

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

Latest NAV

₹21.8964

As of

17 Jul 2026

2,512 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

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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%	+0.19%	-0.12	6 / 11	Q3
1W	-0.06%	-0.02%	-0.04	7 / 11	Q3
2W	+0.01%	+0.14%	-0.13	5 / 11	Q2
1M	+0.94%	+1.07%	-0.13	7 / 11	Q3
3M	+0.95%	+1.59%	-0.63	9 / 11	Q4
6M	+0.16%	+0.73%	-0.57	9 / 11	Q4
YTD	-0.31%	-0.13%	-0.17	9 / 11	Q4
1Y	+0.96%	+1.42%	-0.46	5 / 11	Q2
2Y	+3.31%	+2.92%	+0.39	5 / 11	Q2
3Y	+6.36%	+10.60%	-4.24	8 / 11	Q3
4Y	+7.63%	+12.35%	-4.72	10 / 11	Q4
5Y	+6.43%	+10.42%	-3.99	8 / 11	Q3
7Y	+7.31%	+10.93%	-3.62	8 / 11	Q3
10Y	+7.35%	+9.85%	-2.50	5 / 7	Q3
Inception	+7.81%	+10.76%	-2.95	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	-0.31%	-0.13%	-0.17	9 / 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

+7.73%

115 windows

min -2.0% · max 16.7%

97% positive

3-Year rolling

+7.72%

91 windows

min 4.1% · max 10.3%

100% positive

5-Year rolling

+7.81%

66 windows

min 5.9% · max 10.0%

100% positive

7-Year rolling

+7.69%

42 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

3.85%

3-year · annualised

Sharpe ratio

-0.06

vs risk-free 6.5%

Sortino ratio

-0.11

Downside-only deviation

Max drawdown

-4.17%

Jan 2026 → Mar 2026

% positive months

66.7%

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	₹48.9310	17 Jul 2026
Nippon India Retirement Fund- Income Generation Scheme- Direct Plan- Growth Plan - Growth Option	Nippon India	₹23.4880	17 Jul 2026
SBI Retirement Benefit Fund - Aggressive Hybrid Plan - Direct Plan - Growth	SBI	₹20.6550	17 Jul 2026
ICICI Prudential Retirement Fund - Hybrid Aggressive - Direct Plan - Growth Option	ICICI Prudential	₹31.3300	17 Jul 2026
Bandhan Retirement Fund - Direct Plan - Growth	Bandhan	₹13.2520	17 Jul 2026
Aditya Birla Sun Life Retirement Fund-The 30s Plan-Direct Growth	Aditya Birla Sun Life	₹25.1110	17 Jul 2026
Franklin India Retirement Fund - Direct - Growth	Franklin India	₹241.8786	17 Jul 2026
Baroda BNP Paribas Retirement Fund - Direct plan - Growth option	Baroda BNP Paribas	₹11.9607	17 Jul 2026
PGIM India Retirement Fund - Direct Plan - Growth Option	PGIM India	₹12.6800	17 Jul 2026
Axis Retirement Fund - Aggressive Plan - Direct Growth	Axis	₹20.3300	17 Jul 2026

Recent NAVs

Date	NAV
17 Jul 2026	₹21.8964
16 Jul 2026	₹21.8815
15 Jul 2026	₹21.8832
14 Jul 2026	₹21.8601
13 Jul 2026	₹21.9124
10 Jul 2026	₹21.9106
9 Jul 2026	₹21.8303
8 Jul 2026	₹21.8103
7 Jul 2026	₹21.9441
6 Jul 2026	₹21.9467

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 17 Jul 2026, the NAV of HDFC Retirement Savings Fund - Hybrid-Debt Plan - Growth Option is ₹21.8964. 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 4 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 0.96% — -0.46 pp behind the Retirement Fund category average of 1.42%. 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 6.36% — -4.24 pp behind the Retirement Fund category average of 10.60%. 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 6.43% — -3.99 pp behind the Retirement Fund category average of 10.42%. 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 ₹203,259 today — a multiplier of 2.03×, based on the 10-year CAGR of 7.35%. The category average over the same window would have grown ₹1 lakh to ₹255,875.

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 ₹699,957 today. That's an XIRR (money-weighted annualised return) of 6.10%.

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 ₹1,715,790 (multiplier 1.43×). XIRR: 6.95%. 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 10.42%; this fund delivered 6.43%.

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 7.81% (best 10.02%, worst 5.88%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is -0.05 — 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: 6.43%.

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

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