HDFC Retirement Fund - Hybrid Equity Plan Direct-Growth
Hybrid: Aggressive Hybrid - Growth (Open ended) Factsheet
SEBI Riskometer: Very HighCategory: Hybrid: Aggressive HybridBenchmark: NIFTY 50 Hybrid Composite Debt 65:35 IndexCheck Portfolio Overlap →
NAV: ₹42.45-0.35%
07 Sept 2026
Holdings Analysis
Equity, debt and cash allocation snapshot with market cap distribution for HDFC Retirement Fund - Hybrid Equity Plan Direct-Growth.
Market Cap Distribution
Large Cap (64.1%)
Mid Cap (9.2%)
Small Cap (26.7%)
Historical Asset Allocation
| Asset | 31 Jul 2026 | 30 Jun 2026 | 31 May 2026 | 30 Apr 2026 | 31 Mar 2026 | 28 Feb 2026 |
|---|---|---|---|---|---|---|
| Equity | 73.82% | 73.04% | 71.74% | 74.98% | 73.13% | 75.41% |
| Debt | 16.89% | 17.12% | 17.02% | 16.85% | 17.68% | 16.30% |
| Others (incl. cash) | 8.35% | 8.89% | 10.30% | 7.25% | 8.23% | 7.42% |
| Commodities | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
| Real Estate | 0.94% | 0.95% | 0.94% | 0.92% | 0.96% | 0.87% |
Portfolio Snapshot
No. of Securities
78
P/E Ratio
20.55
P/B Ratio
2.87
Top Holding %
8.35%
Top 5 Holdings %
27.93%
Top 10 Holdings %
42.25%
Modified Duration
3.80 yrs
Avg. Maturity
5.39 yrs
Yield to Maturity
6.60%
AUM
₹1,630 Cr
Expense Ratio
1.10%
Since Inception
14.70%
Max Drawdown
-0.28%
Sharpe Ratio
0.27
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 | 100.48 | 6.16% | 0.19%↑ |
| HDFC Bank Ltd. | Financial | 12,00,000 | 89.78 | 5.51% | -0.42%↓ |
| Reliance Industries Ltd. | Energy | 4,50,000 | 58.85 | 3.61% | 0.00% |
| State Bank of India | Financial | 5,00,000 | 51.37 | 3.15% | -0.03%↓ |
| Kotak Mahindra Bank Ltd. | Financial | 13,00,000 | 50.74 | 3.11% | -0.05%↓ |
| Axis Bank Ltd. | Financial | 4,00,000 | 49.18 | 3.02% | -0.32%↓ |
| Maruti Suzuki India Ltd. | Automobile | 30,000 | 42.7 | 2.62% | 0.00% |
| Bharti Airtel Ltd. | Communication | 2,00,000 | 39.44 | 2.42% | 0.12%↑ |
| Tata Consultancy Services Ltd. | Technology | 1,50,000 | 35.48 | 2.18% | 0.29%↑ |
| Infosys Ltd. | Technology | 3,00,000 | 33.9 | 2.08% | 0.22%↑ |
| Larsen & Toubro Ltd. | Construction | 75,000 | 29.54 | 1.81% | -0.12%↓ |
| Power Grid Corporation Of India Ltd. | Energy | 10,00,000 | 28.43 | 1.74% | -0.03%↓ |
| HCL Technologies Ltd. | Technology | 2,00,000 | 26.94 | 1.65% | 0.32%↑ |
| Dr. Lal Pathlabs Ltd. | Healthcare | 1,30,000 | 24.77 | 1.52% | 0.19%↑ |
| Sun Pharmaceutical Industries Ltd. | Healthcare | 1,00,000 | 19.91 | 1.22% | 0.07%↑ |
| ITC Ltd. | Consumer Staples | 7,00,000 | 19.67 | 1.21% | -0.03%↓ |
| City Union Bank Ltd. | Financial | 9,33,333 | 19.27 | 1.18% | -0.03%↓ |
| SBI Life Insurance Company Ltd. | Insurance | 1,00,000 | 18.82 | 1.15% | 0.33%↑ |
| Alkem Laboratories Ltd. | Healthcare | 30,000 | 17.25 | 1.06% | 0.02%↑ |
| Max Financial Services Ltd. | Financial | 1,15,000 | 17.24 | 1.06% | -0.07%↓ |
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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 Jul 2026 | 30 Jun 2026 | 31 May 2026 | 30 Apr 2026 | 31 Mar 2026 | 28 Feb 2026 |
|---|---|---|---|---|---|---|
| Financial | 25.14% | 25.84% | 24.65% | 24.55% | 23.96% | 25.39% |
| Energy | 7.16% | 7.23% | 7.60% | 7.92% | 7.24% | 6.98% |
| Technology | 6.83% | 5.85% | 6.65% | 7.34% | 7.93% | 8.01% |
| Automobile | 6.56% | 6.40% | 6.35% | 7.40% | 7.34% | 7.88% |
| Healthcare | 6.50% | 6.28% | 4.96% | 4.83% | 4.89% | 4.73% |
| Capital Goods | 4.83% | 5.03% | 4.93% | 5.29% | 4.89% | 5.02% |
| Consumer Staples | 3.03% | 2.94% | 2.96% | 3.09% | 2.81% | 2.87% |
| Insurance | 2.82% | 2.61% | 2.74% | 2.66% | 2.75% | 2.86% |
| Services | 2.63% | 2.49% | 2.50% | 3.10% | 2.93% | 3.08% |
| Communication | 2.42% | 2.30% | 2.30% | 2.33% | 2.31% | 2.21% |
| Construction | 1.81% | 1.93% | 1.92% | 1.86% | 1.71% | 1.88% |
| Materials | 1.56% | 1.50% | 1.41% | 1.44% | 1.36% | 1.50% |
| Metals & Mining | 1.31% | 1.39% | 1.47% | 1.82% | 1.76% | 1.78% |
| Consumer Discretionary | 0.83% | 0.86% | 0.88% | 0.91% | 0.80% | 0.81% |
| Chemicals | 0.39% | 0.39% | 0.42% | 0.44% | 0.45% | 0.41% |
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 | 9.85% | 6.92% |
| Cash & Call Money | 8.35% | 4.85% |
| AAA | 7.04% | 5.90% |
| A | - | 0.01% |
| A+ | - | 0.18% |
| A1+ | - | 2.55% |
| AA | - | 0.59% |
| AA+ | - | 1.76% |
| AA- | - | 0.21% |
| B+ | - | 0.00% |
| BBB | - | 0.00% |
| Cash | - | 0.20% |
| D | - | 2.38% |
| Others | - | 0.13% |
| Term Deposits | - | 0.16% |
| Unrated | - | 0.00% |
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
60.3 / 100
Weighted average Value score is 60.3. This indicates that portfolio is relatively reasonably valued using composite of value measures.
Price Momentum score
47.9 / 100
Weighted average Price Momentum score is 47.9. This indicates that portfolio has average momentum using composite of momentum measures.
Quality score
71.2 / 100
Weighted average Quality score is 71.2. This indicates that portfolio has average quality using composite of quality measures.
QVM score
68.4 / 100
Weighted average QVM score is 68.4. This indicates that portfolio has average QVM score and hence a neutral stance is warranted.
Red Flags
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 | 4.30% |
| GOI | GOI Securities | 7.26% | 22/08/2032 | SOV | 1.90% |
| GOI | GOI Securities | 6.10% | 12/07/2031 | SOV | 1.88% |
| GOI | GOI Securities | 7.18% | 14/08/2033 | SOV | 1.58% |
| GOI | GOI Securities | 7.18% | 24/07/2037 | SOV | 1.57% |
| Bajaj Housing Finance Ltd. | Non Convertible Debenture | 7.50% | 09/04/2035 | CRISIL - AAA | 1.50% |
| GOI | GOI Securities | 7.26% | 06/02/2033 | SOV | 1.26% |
| Mahindra Rural Housing Finance Ltd. | Non Convertible Debenture | 8.35% | 24/09/2032 | CRISIL - AAA | 0.93% |
| GOI | GOI Securities | 7.57% | 17/06/2033 | SOV | 0.80% |
| GOI | GOI Securities | 6.67% | 17/12/2050 | SOV | 0.56% |
| Power Grid Corporation Of India Ltd. | Bonds | 7.93% | 20/05/2028 | CRISIL - AAA | 0.31% |
| GOI | GOI Securities | 6.68% | 07/07/2040 | SOV | 0.30% |
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 31 Jul 2026 are Others (8.35%), ICICI Bank Ltd. (6.16%), HDFC Bank Ltd. (5.51%), Bajaj Finance Ltd. (4.30%), Reliance Industries Ltd. (3.61%). These top 5 stocks together account for 27.93% 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 78 stocks in its portfolio as of 31 Jul 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 31 Jul 2026, HDFC Retirement Fund - Hybrid Equity Plan Direct-Growth's top sector allocations are Financial (25.14%), Energy (7.16%), Technology (6.83%). 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 31 Jul 2026, HDFC Retirement Fund - Hybrid Equity Plan Direct-Growth has 73.82% allocated to equity, and 16.89% 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 31 Jul 2026, HDFC Retirement Fund - Hybrid Equity Plan Direct-Growth's market cap allocation is 64.11% in large caps, 9.22% in mid caps, and 26.67% 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 20.55 as of 31 Jul 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 31 Jul 2026, HDFC Retirement Fund - Hybrid Equity Plan Direct-Growth's debt portfolio has 7.04% in AAA-rated instruments, - in AA-rated, and 9.85% 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 31 Jul 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.