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holdings

HDFC Retirement Fund - Hybrid Equity Plan Direct-Growth

Hybrid: Aggressive Hybrid - Growth (Open ended)

SEBI Riskometer: Very HighCategory: Hybrid: Aggressive HybridBenchmark: NIFTY 50 Hybrid Composite Debt 65:35 IndexCheck Portfolio Overlap →

NAV: ₹40.9-0.37%

22 Oct 2026

Holdings Analysis

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

Asset Allocation

As on 30 Sep 2026

Equity

69.97%

Debt

17.58%

Others

11.46%

Real estate

0.99%

Market Cap Distribution

Large Cap (64.0%)

Mid Cap (9.2%)

Small Cap (26.8%)

Historical Asset Allocation

Asset	30 Sep 2026	31 Aug 2026	31 Jul 2026	30 Jun 2026	31 May 2026	30 Apr 2026
Equity	69.97%	73.57%	73.82%	73.04%	71.74%	74.98%
Debt	17.58%	17.01%	16.89%	17.12%	17.02%	16.85%
Others (incl. cash)	11.46%	8.46%	8.35%	8.89%	10.30%	7.25%
Commodities	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Real Estate	0.99%	0.96%	0.94%	0.95%	0.94%	0.92%

Portfolio Snapshot

No. of Securities

P/E Ratio

20.81

P/B Ratio

2.81

Top Holding %

11.46%

Top 5 Holdings %

31.07%

Top 10 Holdings %

45.56%

Modified Duration

3.36 yrs

Avg. Maturity

4.78 yrs

Yield to Maturity

6.69%

AUM

₹1,530 Cr

Expense Ratio

1.12%

Since Inception

14.12%

Max Drawdown

-0.28%

Sharpe Ratio

0.14

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	7,00,000	92.52	6.05%	-0.30%↓
HDFC Bank Ltd.	Financial	12,00,000	85.04	5.56%	0.25%↑
Kotak Mahindra Bank Ltd.	Financial	13,00,000	54.21	3.54%	0.14%↑
Reliance Industries Ltd.	Energy	4,50,000	53.42	3.49%	-0.09%↓
Axis Bank Ltd.	Financial	4,00,000	49.04	3.21%	-0.03%↓
State Bank of India	Financial	5,00,000	47.98	3.14%	-0.16%↓
Maruti Suzuki India Ltd.	Automobile	30,000	35.9	2.35%	-0.18%↓
Bharti Airtel Ltd.	Communication	2,00,000	35.14	2.30%	0.04%↑
Infosys Ltd.	Technology	3,00,000	29.82	1.95%	-0.17%↓
Larsen & Toubro Ltd.	Construction	75,000	28.2	1.84%	-0.05%↓
Power Grid Corporation Of India Ltd.	Energy	10,00,000	26.05	1.70%	0.06%↑
Dr. Lal Pathlabs Ltd.	Healthcare	1,30,000	25.83	1.69%	0.12%↑
HCL Technologies Ltd.	Technology	2,00,000	24.6	1.61%	-0.03%↓
City Union Bank Ltd.	Financial	9,33,333	21.1	1.38%	0.05%↑
ITC Ltd.	Consumer Staples	7,00,000	18.39	1.20%	0.08%↑
Sun Pharmaceutical Industries Ltd.	Healthcare	1,00,000	18.17	1.19%	-0.05%↓
SBI Life Insurance Company Ltd.	Insurance	1,00,000	16.96	1.11%	0.02%↑
ICICI Lombard General Insurance Company Ltd.	Insurance	1,00,000	15.9	1.04%	0.06%↑
Max Financial Services Ltd.	Financial	1,15,000	15.79	1.03%	-0.10%↓
Alkem Laboratories Ltd.	Healthcare	30,000	15.49	1.01%	0.01%↑

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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	30 Sep 2026	31 Aug 2026	31 Jul 2026	30 Jun 2026	31 May 2026	30 Apr 2026
Financial	25.72%	25.87%	25.14%	25.84%	24.65%	24.55%
Energy	6.57%	6.57%	7.16%	7.23%	7.60%	7.92%
Healthcare	6.32%	6.64%	6.50%	6.28%	4.96%	4.83%
Automobile	6.25%	6.45%	6.56%	6.40%	6.35%	7.40%
Technology	4.35%	6.84%	6.83%	5.85%	6.65%	7.34%
Capital Goods	4.31%	4.78%	4.83%	5.03%	4.93%	5.29%
Services	3.39%	2.64%	2.63%	2.49%	2.50%	3.10%
Consumer Staples	3.25%	2.75%	3.03%	2.94%	2.96%	3.09%
Insurance	2.83%	2.75%	2.82%	2.61%	2.74%	2.66%
Communication	2.30%	2.26%	2.42%	2.30%	2.30%	2.33%
Construction	1.84%	1.89%	1.81%	1.93%	1.92%	1.86%
Metals & Mining	1.35%	1.29%	1.31%	1.39%	1.47%	1.82%
Materials	0.59%	1.48%	1.56%	1.50%	1.41%	1.44%
Textiles	0.54%	0.45%	-	-	-	-
Chemicals	0.36%	0.37%	0.39%	0.39%	0.42%	0.44%
Consumer Discretionary	-	0.54%	0.83%	0.86%	0.88%	0.91%

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
Cash & Call Money	11.46%	5.02%
SOV	10.26%	6.44%
AAA	7.32%	5.96%
A	-	0.01%
A+	-	0.06%
A1+	-	2.84%
AA	-	0.60%
AA+	-	1.82%
AA-	-	0.40%
B+	-	0.00%
BBB	-	0.00%
Cash	-	0.07%
D	-	2.32%
Others	-	0.03%
Term Deposits	-	0.05%

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

60.2 / 100

Weighted average Value score is 60.2. This indicates that portfolio is relatively reasonably valued using composite of value measures.

Price Momentum score

51.3 / 100

Weighted average Price Momentum score is 51.3. This indicates that portfolio has average momentum using composite of momentum measures.

Quality score

69.2 / 100

Weighted average Quality score is 69.2. This indicates that portfolio has average quality using composite of quality measures.

QVM score

70.0 / 100

Weighted average QVM score is 70.0. 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
Bajaj Auto Ltd.	-0.72
Alembic Pharmaceuticals Ltd.	-1.51

Thinly traded (low daily turnover)

Following stocks are thinly traded with combined (NSE & BSE) daily turnover (21-day average) less thank Rs 0.5 crore:

Name	Value
Goodyear India Ltd.	0.31

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
Bajaj Finance Ltd.	Debenture	7.93%	0	CRISIL - AAA	4.46%
GOI	GOI Securities	7.26%	22/08/2032	SOV	1.98%
GOI	GOI Securities	6.10%	12/07/2031	SOV	1.96%
GOI	GOI Securities	7.18%	14/08/2033	SOV	1.64%
GOI	GOI Securities	7.18%	24/07/2037	SOV	1.63%
Bajaj Housing Finance Ltd.	Non Convertible Debenture	7.50%	09/04/2035	CRISIL - AAA	1.55%
GOI	GOI Securities	7.26%	06/02/2033	SOV	1.32%
Mahindra Rural Housing Finance Ltd.	Non Convertible Debenture	8.35%	24/09/2032	CRISIL - AAA	0.98%
GOI	GOI Securities	7.57%	17/06/2033	SOV	0.84%
GOI	GOI Securities	6.67%	17/12/2050	SOV	0.58%
Power Grid Corporation Of India Ltd.	Bonds	7.93%	20/05/2028	CRISIL - AAA	0.33%
GOI	GOI Securities	6.68%	07/07/2040	SOV	0.31%

Frequently Asked Questions

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

The top holdings of HDFC Retirement Fund - Hybrid Equity Plan Direct-Growth as of 30 Sep 2026 are Others (11.46%), ICICI Bank Ltd. (6.05%), HDFC Bank Ltd. (5.56%), Bajaj Finance Ltd. (4.46%), Kotak Mahindra Bank Ltd. (3.54%). These top 5 stocks together account for 31.07% of the total portfolio. You can view the complete holdings breakdown above.

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

HDFC Retirement Fund - Hybrid Equity Plan Direct-Growth holds 74 stocks in its portfolio as of 30 Sep 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 Equity Plan Direct-Growth?

As of 30 Sep 2026, HDFC Retirement Fund - Hybrid Equity Plan Direct-Growth's top sector allocations are Financial (25.72%), Energy (6.57%), Healthcare (6.32%). You can find detailed sector allocation above.

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

As of 30 Sep 2026, HDFC Retirement Fund - Hybrid Equity Plan Direct-Growth has 69.97% allocated to equity, and 17.58% to debt. You can also check the historical trends above.

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

As of 30 Sep 2026, HDFC Retirement Fund - Hybrid Equity Plan Direct-Growth's market cap allocation is 64.01% in large caps, 9.20% in mid caps, and 26.78% in small caps.

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

The portfolio PE ratio of HDFC Retirement Fund - Hybrid Equity Plan Direct-Growth is 20.81 as of 30 Sep 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 Equity Plan Direct-Growth?

As of 30 Sep 2026, HDFC Retirement Fund - Hybrid Equity Plan Direct-Growth's debt portfolio has 7.32% in AAA-rated instruments, - in AA-rated, and 10.26% 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 Equity Plan Direct-Growth?

The latest portfolio disclosure for HDFC Retirement Fund - Hybrid Equity Plan Direct-Growth is as of 30 Sep 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

30 Sep 2026

31 Aug 2026

31 Jul 2026

30 Jun 2026

31 May 2026

30 Apr 2026

Equity

69.97%

73.57%

73.82%

73.04%

71.74%

74.98%

Debt

17.58%

17.01%

16.89%

17.12%

17.02%

16.85%

Others (incl. cash)

11.46%

8.46%

8.35%

8.89%

10.30%

7.25%

Commodities

0.00%

Real Estate

0.99%

0.96%

0.94%

0.95%

0.94%

0.92%

Instrument

Sector

No. of Shares

Value (Rs. Cr)

Weight

Change

ICICI Bank Ltd.

Financial

7,00,000

92.52

6.05%

-0.30%↓

HDFC Bank Ltd.

Financial

12,00,000

85.04

5.56%

0.25%↑

Kotak Mahindra Bank Ltd.

Financial

13,00,000

54.21

3.54%

0.14%↑

Reliance Industries Ltd.

Energy

4,50,000

53.42

3.49%

-0.09%↓

Axis Bank Ltd.

Financial

4,00,000

49.04

3.21%

-0.03%↓

State Bank of India

Financial

5,00,000

47.98

3.14%

-0.16%↓

Maruti Suzuki India Ltd.

Automobile

30,000

35.9

2.35%

-0.18%↓

Bharti Airtel Ltd.

Communication

2,00,000

35.14

2.30%

0.04%↑

Infosys Ltd.

Technology

3,00,000

29.82

1.95%

-0.17%↓

Larsen & Toubro Ltd.

Construction

75,000

28.2

1.84%

-0.05%↓

Power Grid Corporation Of India Ltd.

Energy

10,00,000

26.05

1.70%

0.06%↑

Dr. Lal Pathlabs Ltd.

Healthcare

1,30,000

25.83

1.69%

0.12%↑

HCL Technologies Ltd.

Technology

2,00,000

24.6

1.61%

-0.03%↓

City Union Bank Ltd.

Financial

9,33,333

21.1

1.38%

0.05%↑

ITC Ltd.

Consumer Staples

7,00,000

18.39

1.20%

0.08%↑

Sun Pharmaceutical Industries Ltd.

Healthcare

1,00,000

18.17

1.19%

-0.05%↓

SBI Life Insurance Company Ltd.

Insurance

1,00,000

16.96

1.11%

0.02%↑

ICICI Lombard General Insurance Company Ltd.

Insurance

1,00,000

15.9

1.04%

0.06%↑

Max Financial Services Ltd.

Financial

1,15,000

15.79

1.03%

-0.10%↓

Alkem Laboratories Ltd.

Healthcare

30,000

15.49

1.01%

0.01%↑

Sector

30 Sep 2026

31 Aug 2026

31 Jul 2026

30 Jun 2026

31 May 2026

30 Apr 2026

Financial

25.72%

25.87%

25.14%

25.84%

24.65%

24.55%

Energy

6.57%

7.16%

7.23%

7.60%

7.92%

Healthcare

6.32%

6.64%

6.50%

6.28%

4.96%

4.83%

Automobile

6.25%

6.45%

6.56%

6.40%

6.35%

7.40%

Technology

4.35%

6.84%

6.83%

5.85%

6.65%

7.34%

Capital Goods

4.31%

4.78%

4.83%

5.03%

4.93%

5.29%

Services

3.39%

2.64%

2.63%

2.49%

2.50%

3.10%

Consumer Staples

3.25%

2.75%

3.03%

2.94%

2.96%

3.09%

Insurance

2.83%

2.75%

2.82%

2.61%

2.74%

2.66%

Communication

2.30%

2.26%

2.42%

2.30%

2.33%

Construction

1.84%

1.89%

1.81%

1.93%

1.92%

1.86%

Metals & Mining

1.35%

1.29%

1.31%

1.39%

1.47%

1.82%

Materials

0.59%

1.48%

1.56%

1.50%

1.41%

1.44%

Textiles

0.54%

0.45%

Chemicals

0.36%

0.37%

0.39%

0.42%

0.44%

Consumer Discretionary

0.54%

0.83%

0.86%

0.88%

0.91%

Rating

Fund