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HDFC Retirement Fund - Hybrid Debt Plan Direct-Growth

Hybrid: Conservative Hybrid - Growth (Open ended)

HDFC Retirement Fund - Hybrid Debt Plan Direct-GrowthNAV: 24.84 as on 06 Sep, 2026

Risk levelCategoryBenchmark

Factsheet

SEBI Riskometer: Moderately HighCategory: Hybrid: Conservative HybridBenchmark: NIFTY 50 Hybrid Composite Debt 15:85 Conservative IndexCheck Portfolio Overlap →

NAV: ₹24.84+0.01%

07 Sept 2026

Holdings Analysis

Equity, debt and cash allocation snapshot with market cap distribution for HDFC Retirement Fund - Hybrid Debt Plan Direct-Growth.

Asset Allocation

As on 31 Aug 2026

Debt

45.93%

Others

30.69%

Equity

23.38%

Market Cap Distribution

Large Cap (77.3%)

Mid Cap (7.2%)

Small Cap (15.5%)

Historical Asset Allocation

Asset	31 Aug 2026	31 Jul 2026	30 Jun 2026	31 May 2026	30 Apr 2026	31 Mar 2026
Equity	23.38%	22.88%	22.44%	21.82%	22.87%	21.47%
Debt	45.93%	45.66%	45.46%	44.36%	43.76%	43.29%
Others (incl. cash)	30.69%	31.46%	32.10%	33.82%	33.37%	35.23%
Commodities	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Real Estate	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%

Portfolio Snapshot

No. of Securities

P/E Ratio

21.20

P/B Ratio

2.97

Top Holding %

30.69%

Top 5 Holdings %

63.14%

Top 10 Holdings %

91.55%

Modified Duration

4.96 yrs

Avg. Maturity

8.09 yrs

Yield to Maturity

6.77%

AUM

₹146 Cr

Expense Ratio

1.35%

Since Inception

9.02%

Max Drawdown

-0.08%

Sharpe Ratio

0.30

Top Portfolio Holdings by Weight

Latest portfolio holdings sorted by allocation weight. Includes instrument name, sector, number of shares, market value (₹ Cr) and percentage of net assets. Switch dates or categories using the controls below.

Instrument	Sector	No. of Shares	Value (Rs. Cr)	Weight	Change
ICICI Bank Ltd.	Financial	85,200	12.39	8.47%	0.22%↑
Larsen & Toubro Ltd.	Construction	28,200	11.41	7.79%	0.30%↑
Reliance Industries Ltd.	Energy	66,500	8.49	5.80%	-0.06%↓
HDFC Bank Ltd.	Financial	43,800	3.11	2.12%	-0.09%↓
State Bank of India	Financial	19,500	2.07	1.41%	0.06%↑
Axis Bank Ltd.	Financial	13,000	1.69	1.15%	0.08%↑
Bharti Airtel Ltd.	Communication	8,000	1.45	0.99%	-0.07%↓
Maruti Suzuki India Ltd.	Automobile	1,000	1.35	0.93%	-0.03%↓
Tata Consultancy Services Ltd.	Technology	5,000	1.2	0.82%	0.02%↑
Infosys Ltd.	Technology	10,000	1.13	0.77%	0.01%↑
ICICI Lombard General Insurance Company Ltd.	Insurance	6,000	0.94	0.64%	-0.01%↓
City Union Bank Ltd.	Financial	40,000	0.92	0.63%	0.07%↑
SBI Life Insurance Company Ltd.	Insurance	5,000	0.87	0.59%	-0.04%↓
Transport Corporation Of India Ltd.	Services	10,000	0.87	0.59%	-0.03%↓
Power Grid Corporation Of India Ltd.	Energy	30,000	0.79	0.54%	-0.03%↓
Dr. Lal Pathlabs Ltd.	Healthcare	4,000	0.77	0.53%	0.01%↑
Vishal Mega Mart Ltd.	Services	60,000	0.66	0.45%	-
Lupin Ltd.	Healthcare	3,000	0.66	0.45%	-0.04%↓
ITC Ltd.	Consumer Staples	25,000	0.64	0.44%	-0.04%↓
Lumax Industries Ltd.	Automobile	1,000	0.62	0.43%	-

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Sector-wise Portfolio Allocation

Equity exposure by sector as a percentage of total net assets, tracked across recent portfolio dates. Identifies concentration risk and sector rotation trends in the fund's holdings.

Sector	31 Aug 2026	31 Jul 2026	30 Jun 2026	31 May 2026	30 Apr 2026	31 Mar 2026
Financial	7.79%	7.64%	7.66%	7.07%	7.23%	6.73%
Services	2.21%	1.62%	1.54%	1.53%	1.56%	1.43%
Automobile	2.15%	1.60%	1.51%	1.43%	1.80%	1.64%
Technology	1.91%	1.90%	1.63%	1.85%	2.05%	2.01%
Energy	1.75%	2.17%	2.19%	2.27%	2.35%	2.12%
Healthcare	1.63%	1.66%	1.57%	1.49%	1.49%	1.43%
Insurance	1.24%	1.29%	1.29%	1.32%	1.29%	1.24%
Capital Goods	1.22%	1.18%	1.44%	1.36%	1.46%	1.57%
Consumer Staples	1.11%	0.89%	0.86%	0.82%	0.86%	0.77%
Communication	0.99%	1.06%	0.99%	0.97%	0.99%	0.93%
Construction	0.81%	0.77%	0.79%	0.75%	0.75%	0.67%
Chemicals	0.30%	0.31%	0.30%	0.33%	0.34%	0.33%
Materials	0.27%	0.55%	0.45%	0.39%	0.42%	0.39%
Consumer Discretionary	-	0.23%	0.22%	0.23%	0.27%	0.22%

Debt Holdings — Credit Quality Profile

Allocation of debt instruments by credit rating (AAA, AA, A, and below investment grade) as a percentage of net assets, compared against the category average. Higher AAA allocation indicates lower credit risk.

Rating	Fund	Category
SOV	35.55%	23.51%
Cash	17.81%	0.14%
Cash & Call Money	12.87%	14.07%
AAA	10.39%	19.16%
A	-	0.78%
A+	-	1.42%
A-	-	0.25%
A1+	-	3.19%
AA	-	4.10%
AA+	-	4.67%
AA-	-	0.99%
B+	-	1.85%
B-	-	2.24%
BBB+	-	0.00%
D	-	0.09%
Others	-	0.18%
Term Deposits	-	0.01%
Unrated	-	0.09%

Equity Insights

A detailed look at the equity holdings of this scheme — aggregated scores on value, momentum, quality parameters along with diversification and performance analysis.

Style Analysis

Value score

63.0 / 100

Weighted average Value score is 63.0. This indicates that portfolio is relatively reasonably valued using composite of value measures.

Price Momentum score

48.0 / 100

Weighted average Price Momentum score is 48.0. This indicates that portfolio has average momentum using composite of momentum measures.

Quality score

72.3 / 100

Weighted average Quality score is 72.3. This indicates that portfolio has average quality using composite of quality measures.

QVM score

71.0 / 100

Weighted average QVM score is 71.0. This indicates that portfolio has average QVM score and hence a neutral stance is warranted.

Red Flags

Earnings manipulation risk (Beneish M-score)

Following stocks have high risk of potential earnings manipulation (Beneish M-score > -1.78):

Name	Value
Balkrishna Industries Ltd.	-1.51
Alembic Pharmaceuticals Ltd.	-1.51

Declining revenues

Following companies have seen their sales decline for 2 consecutive quarters (measured on yoy basis): ITC Ltd., SKF India Ltd., United Spirits Ltd.

Debt Insights

A detailed look at the debt holdings of this scheme — Is the scheme yielding enough? Includes credit quality, instrument breakdown and SEBI risk classification.

SEBI PRC matrix

Credit risk

	Interest risk
	Low	Moderate	High
Low
Moderate
High

Instruments

Full name	Description	Coupon rate	Maturity	Rating raw	Weight
GOI	GOI Securities	6.67%	17/12/2050	SOV	9.29%
Mahindra Rural Housing Finance Ltd.	Non Convertible Debenture	8.35%	24/09/2032	CRISIL - AAA	6.90%
GOI	GOI Securities	6.48%	06/10/2035	SOV	6.64%
GOI	GOI Securities	6.19%	16/09/2034	SOV	6.54%
GOI	GOI Securities	7.57%	17/06/2033	SOV	5.34%
GOI	GOI Securities	8.97%	05/12/2030	SOV	4.09%
GOI	Central Government Loan	7.50%	10/08/2034	SOV	3.54%
Indian Railway Finance Corporation Ltd.	Debenture	8.40%	08/01/2029	CRISIL - AAA	3.48%
GOI	GOI Securities	7.54%	23/05/2036	SOV	0.11%

Frequently Asked Questions

What are the top holdings of HDFC Retirement Fund - Hybrid Debt Plan Direct-Growth?

The top holdings of HDFC Retirement Fund - Hybrid Debt Plan Direct-Growth as of 31 Aug 2026 are Others (30.69%), GOI (9.29%), ICICI Bank Ltd. (8.47%), Larsen & Toubro Ltd. (7.79%), Mahindra Rural Housing Finance Ltd. (6.90%). These top 5 stocks together account for 63.14% of the total portfolio. You can view the complete holdings breakdown above.

How many stocks does HDFC Retirement Fund - Hybrid Debt Plan Direct-Growth hold in its portfolio?

HDFC Retirement Fund - Hybrid Debt Plan Direct-Growth holds 47 stocks in its portfolio as of 31 Aug 2026. The fund's portfolio size reflects the fund manager's investment approach, a more concentrated portfolio indicates higher conviction bets, while a larger number of holdings suggests a more diversified strategy.

What is the sector allocation of HDFC Retirement Fund - Hybrid Debt Plan Direct-Growth?

As of 31 Aug 2026, HDFC Retirement Fund - Hybrid Debt Plan Direct-Growth's top sector allocations are Financial (7.79%), Services (2.21%), Automobile (2.15%). You can find detailed sector allocation above.

What is the equity and debt allocation of HDFC Retirement Fund - Hybrid Debt Plan Direct-Growth?

As of 31 Aug 2026, HDFC Retirement Fund - Hybrid Debt Plan Direct-Growth has 23.38% allocated to equity, and 45.93% to debt. You can also check the historical trends above.

What is the market cap allocation of HDFC Retirement Fund - Hybrid Debt Plan Direct-Growth?

As of 31 Aug 2026, HDFC Retirement Fund - Hybrid Debt Plan Direct-Growth's market cap allocation is 77.28% in large caps, 7.17% in mid caps, and 15.55% in small caps.

What is the PE ratio of HDFC Retirement Fund - Hybrid Debt Plan Direct-Growth's portfolio?

The portfolio PE ratio of HDFC Retirement Fund - Hybrid Debt Plan Direct-Growth is 21.20 as of 31 Aug 2026. The portfolio PE ratio tells you how expensive or cheap the fund's holdings are relative to their earnings.

What is the credit quality of HDFC Retirement Fund - Hybrid Debt Plan Direct-Growth?

As of 31 Aug 2026, HDFC Retirement Fund - Hybrid Debt Plan Direct-Growth's debt portfolio has 10.39% in AAA-rated instruments, - in AA-rated, and 35.55% in sovereign securities. Higher allocation to AAA and sovereign instruments indicates lower credit risk in the non-equity portion of the portfolio.

When is the latest portfolio disclosure for HDFC Retirement Fund - Hybrid Debt Plan Direct-Growth?

The latest portfolio disclosure for HDFC Retirement Fund - Hybrid Debt Plan Direct-Growth is as of 31 Aug 2026. SEBI requires all mutual funds to disclose their complete portfolio holdings on a monthly basis, typically within 10 days of the end of each month.

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Asset

31 Aug 2026

31 Jul 2026

30 Jun 2026

31 May 2026

30 Apr 2026

31 Mar 2026

Equity

23.38%

22.88%

22.44%

21.82%

22.87%

21.47%

Debt

45.93%

45.66%

45.46%

44.36%

43.76%

43.29%

Others (incl. cash)

30.69%

31.46%

32.10%

33.82%

33.37%

35.23%

Commodities

0.00%

Real Estate

0.00%

Instrument

Sector

No. of Shares

Value (Rs. Cr)

Weight

Change

ICICI Bank Ltd.

Financial

85,200

12.39

8.47%

0.22%↑

Larsen & Toubro Ltd.

Construction

28,200

11.41

7.79%

0.30%↑

Reliance Industries Ltd.

Energy

66,500

8.49

5.80%

-0.06%↓

HDFC Bank Ltd.

Financial

43,800

3.11

2.12%

-0.09%↓

State Bank of India

Financial

19,500

2.07

1.41%

0.06%↑

Axis Bank Ltd.

Financial

13,000

1.69

1.15%

0.08%↑

Bharti Airtel Ltd.

Communication

8,000

1.45

0.99%

-0.07%↓

Maruti Suzuki India Ltd.

Automobile

1,000

1.35

0.93%

-0.03%↓

Tata Consultancy Services Ltd.

Technology

5,000

1.2

0.82%

0.02%↑

Infosys Ltd.

Technology

10,000

1.13

0.77%

0.01%↑

ICICI Lombard General Insurance Company Ltd.

Insurance

6,000

0.94

0.64%

-0.01%↓

City Union Bank Ltd.

Financial

40,000

0.92

0.63%

0.07%↑

SBI Life Insurance Company Ltd.

Insurance

5,000

0.87

0.59%

-0.04%↓

Transport Corporation Of India Ltd.

Services

10,000

0.87

0.59%

-0.03%↓

Power Grid Corporation Of India Ltd.

Energy

30,000

0.79

0.54%

-0.03%↓

Dr. Lal Pathlabs Ltd.

Healthcare

4,000

0.77

0.53%

0.01%↑

Vishal Mega Mart Ltd.

Services

60,000

0.66

0.45%

Lupin Ltd.

Healthcare

3,000

0.66

0.45%

-0.04%↓

ITC Ltd.

Consumer Staples

25,000

0.64

0.44%

-0.04%↓

Lumax Industries Ltd.

Automobile

1,000

0.62

0.43%

Sector

31 Aug 2026

31 Jul 2026

30 Jun 2026

31 May 2026

30 Apr 2026

31 Mar 2026

Financial

7.79%

7.64%

7.66%

7.07%

7.23%

6.73%

Services

2.21%

1.62%

1.54%

1.53%

1.56%

1.43%

Automobile

2.15%

1.60%

1.51%

1.43%

1.80%

1.64%

Technology

1.91%

1.90%

1.63%

1.85%

2.05%

2.01%

Energy

1.75%

2.17%

2.19%

2.27%

2.35%

2.12%

Healthcare

1.63%

1.66%

1.57%

1.49%

1.43%

Insurance

1.24%

1.29%

1.32%

1.29%

1.24%

Capital Goods

1.22%

1.18%

1.44%

1.36%

1.46%

1.57%

Consumer Staples

1.11%

0.89%

0.86%

0.82%

0.86%

0.77%

Communication

0.99%

1.06%

0.99%

0.97%

0.99%

0.93%

Construction

0.81%

0.77%

0.79%

0.75%

0.67%

Chemicals

0.30%

0.31%

0.30%

0.33%

0.34%

0.33%

Materials

0.27%

0.55%

0.45%

0.39%

0.42%

0.39%

Consumer Discretionary

0.23%

0.22%

0.23%

0.27%

0.22%

Rating

Fund