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HDFC Retirement Savings Fund - Hybrid Debt Plan Direct-Growth

Hybrid: Conservative Hybrid - Growth (Open ended)

HDFC Retirement Savings Fund - Hybrid Debt Plan Direct-GrowthNAV: 25.01 as on 06 Jul, 2026

Risk levelCategoryBenchmark

Factsheet

SEBI Riskometer: Moderately HighCategory: Hybrid: Conservative HybridBenchmark: NIFTY 50 Hybrid Composite Debt 15:85 Conservative Index

NAV: ₹25.01-0.01%

07 Jul 2026

Holdings Analysis

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

Asset Allocation

As on 30 Jun 2026

Debt

45.46%

Others

32.10%

Equity

22.44%

Market Cap Distribution

Large Cap (78.4%)

Mid Cap (5.9%)

Small Cap (15.7%)

Historical Asset Allocation

Asset	30 Jun 2026	31 May 2026	30 Apr 2026	31 Mar 2026	28 Feb 2026	31 Jan 2026
Equity	22.44%	21.82%	22.87%	21.47%	23.45%	24.03%
Debt	45.46%	44.36%	43.76%	43.29%	42.64%	42.56%
Others (incl. cash)	32.10%	33.82%	33.37%	35.23%	33.91%	33.41%
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

21.06

P/B Ratio

2.91

Top Holding %

32.10%

Top 5 Holdings %

63.86%

Top 10 Holdings %

91.90%

Modified Duration

4.71 yrs

Avg. Maturity

7.83 yrs

Yield to Maturity

6.90%

AUM

₹150 Cr

Expense Ratio

1.37%

Since Inception

9.25%

Max Drawdown

-0.08%

Sharpe Ratio

0.41

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	11.72	7.83%	0.72%↑
Larsen & Toubro Ltd.	Construction	28,200	11.68	7.81%	0.17%↑
Reliance Industries Ltd.	Energy	66,500	8.6	5.75%	-0.09%↓
HDFC Bank Ltd.	Financial	43,800	3.5	2.34%	0.17%↑
State Bank of India	Financial	19,500	2	1.34%	0.09%↑
Axis Bank Ltd.	Financial	13,000	1.75	1.17%	0.06%↑
Bharti Airtel Ltd.	Communication	8,000	1.48	0.99%	0.02%↑
Maruti Suzuki India Ltd.	Automobile	1,000	1.41	0.94%	0.07%↑
ICICI Lombard General Insurance Company Ltd.	Insurance	6,000	1.05	0.70%	-0.02%↓
Tata Consultancy Services Ltd.	Technology	5,000	1.02	0.68%	-0.07%↓
Infosys Ltd.	Technology	10,000	1	0.67%	-0.10%↓
Transport Corporation Of India Ltd.	Services	10,000	0.92	0.62%	0.01%↑
SBI Life Insurance Company Ltd.	Insurance	5,000	0.88	0.59%	-0.02%↓
Power Grid Corporation Of India Ltd.	Energy	30,000	0.86	0.57%	-0.01%↓
City Union Bank Ltd.	Financial	40,000	0.83	0.56%	0.05%↑
Lupin Ltd.	Healthcare	3,000	0.73	0.48%	0.03%↑
ITC Ltd.	Consumer Staples	25,000	0.72	0.48%	0.00%↑
Vesuvius India Ltd.	Capital Goods	15,000	0.69	0.46%	-0.01%↓
Dr. Lal Pathlabs Ltd.	Healthcare	4,000	0.66	0.44%	0.01%↑
Alkem Laboratories Ltd.	Healthcare	1,000	0.56	0.37%	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 Jun 2026	31 May 2026	30 Apr 2026	31 Mar 2026	28 Feb 2026	31 Jan 2026
Financial	7.66%	7.07%	7.23%	6.73%	7.69%	8.08%
Energy	2.19%	2.27%	2.35%	2.12%	2.23%	2.16%
Technology	1.63%	1.85%	2.05%	2.01%	2.20%	2.59%
Healthcare	1.57%	1.49%	1.49%	1.43%	1.43%	1.42%
Services	1.54%	1.53%	1.56%	1.43%	1.56%	1.39%
Automobile	1.51%	1.43%	1.80%	1.64%	1.91%	1.85%
Capital Goods	1.44%	1.36%	1.46%	1.57%	1.71%	1.59%
Insurance	1.29%	1.32%	1.29%	1.24%	1.35%	1.31%
Communication	0.99%	0.97%	0.99%	0.93%	0.94%	0.98%
Consumer Staples	0.86%	0.82%	0.86%	0.77%	0.66%	0.67%
Construction	0.79%	0.75%	0.75%	0.67%	0.77%	0.72%
Materials	0.45%	0.39%	0.42%	0.39%	0.45%	0.45%
Chemicals	0.30%	0.33%	0.34%	0.33%	0.32%	0.31%
Consumer Discretionary	0.22%	0.23%	0.27%	0.22%	0.24%	0.28%
Textiles	-	-	-	-	-	0.23%

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	35.19%	30.59%
Cash	17.32%	0.69%
Cash & Call Money	14.79%	9.55%
AAA	10.27%	17.67%
A	-	0.15%
A+	-	0.97%
A-	-	0.11%
A1+	-	2.41%
AA	-	3.92%
AA+	-	3.51%
AA-	-	0.58%
B+	-	3.11%
B-	-	2.82%
Others	-	0.24%

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

61.3 / 100

Weighted average Value score is 61.3. This indicates that portfolio is relatively reasonably valued using composite of value measures.

Price Momentum score

51.7 / 100

Weighted average Price Momentum score is 51.7. This indicates that portfolio has average momentum using composite of momentum measures.

Quality score

73.7 / 100

Weighted average Quality score is 73.7. This indicates that portfolio has average quality using composite of quality measures.

QVM score

72.6 / 100

Weighted average QVM score is 72.6. This indicates that portfolio has average QVM score and hence a neutral stance is warranted.

Red Flags

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
Popular Vehicles & Services Ltd.	0.3

Declining revenues

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

High leverage

Following companies have debt to equity of greater than 2:

Name	Value
Popular Vehicles & Services Ltd.	2.24

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	9.31%
Mahindra Rural Housing Finance Ltd.	Non Convertible Debenture	8.35%	24/09/2032	CRISIL - AAA	6.82%
GOI	GOI Securities	6.48%	06/10/2035	SOV	6.56%
GOI	GOI Securities	6.19%	16/09/2034	SOV	6.45%
GOI	GOI Securities	7.57%	17/06/2033	SOV	5.25%
GOI	GOI Securities	8.97%	05/12/2030	SOV	4.03%
GOI	Central Government Loan	7.50%	10/08/2034	SOV	3.49%
Indian Railway Finance Corporation Ltd.	Debenture	8.40%	08/01/2029	CRISIL - AAA	3.45%
GOI	GOI Securities	7.54%	23/05/2036	SOV	0.11%

Frequently Asked Questions

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

The top holdings of HDFC Retirement Savings Fund - Hybrid Debt Plan Direct-Growth sorted by portfolio weight are listed in the Top Portfolio Holdings section of the Holdings tab.

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

HDFC Retirement Savings Fund - Hybrid Debt Plan Direct-Growth holds 50 securities in its portfolio. The top 5 holdings account for 63.86% of the portfolio and the top 10 for 91.90%.

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

The sector allocation of HDFC Retirement Savings Fund - Hybrid Debt Plan Direct-Growth is in the Sector Allocation section, showing each industry's weight in the portfolio.

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

As of 30 Jun 2026, HDFC Retirement Savings Fund - Hybrid Debt Plan Direct-Growth has 22.44% in equity, 45.46% in debt and 32.10% in cash/others. This asset mix determines the fund's overall risk-return profile. The debt portfolio has a yield to maturity (YTM) of 6.90%.

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

HDFC Retirement Savings Fund - Hybrid Debt Plan Direct-Growth's equity portfolio — Large Cap: 78.36%, Mid Cap: 5.95%, Small Cap: 15.70%. Market cap allocation determines the fund's risk profile — large cap offers stability while mid and small cap offer higher growth potential with higher volatility.

Is HDFC Retirement Savings Fund - Hybrid Debt Plan Direct-Growth a concentrated or diversified fund?

HDFC Retirement Savings Fund - Hybrid Debt Plan Direct-Growth holds 50 securities, with the top 10 accounting for 91.90% of the portfolio and the top 5 for 63.86%. This is a moderately diversified fund balancing conviction positions with risk spread.

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

The debt holdings of HDFC Retirement Savings Fund - Hybrid Debt Plan Direct-Growth are rated as follows — SOV: 35.19%, Cash: 17.32%, Cash & Call Money: 14.79%, AAA: 10.27%. Higher allocation to AAA and sovereign instruments means lower credit risk. The full rating profile compared to the category average is in the Credit Rating section.

How often does HDFC Retirement Savings Fund - Hybrid Debt Plan Direct-Growth change its portfolio?

The portfolio currently holds 50 securities with the top 10 accounting for 91.90% as of 30 Jun 2026. Portfolio turnover reflects how actively the fund manager trades. A high turnover increases transaction costs while a low turnover reflects a buy-and-hold approach. Historical asset allocation snapshots across multiple dates are in the Holdings Analysis section.

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

The weighted average PE ratio of HDFC Retirement Savings Fund - Hybrid Debt Plan Direct-Growth's portfolio is 21.06 and the PB ratio is 2.91. The debt portfolio has a modified duration of 4.71 years and an average maturity of 7.83 years. These metrics reflect the overall valuation and interest rate sensitivity of the portfolio.

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

The latest portfolio disclosure for HDFC Retirement Savings Fund - Hybrid Debt Plan Direct-Growth is as of 30 Jun 2026. Mutual funds and ETFs in India are required to disclose their full portfolio monthly, within 10 business days of month-end. You can switch between historical disclosure dates using the date selector in the Top Portfolio Holdings section.

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Asset

30 Jun 2026

31 May 2026

30 Apr 2026

31 Mar 2026

28 Feb 2026

31 Jan 2026

Equity

22.44%

21.82%

22.87%

21.47%

23.45%

24.03%

Debt

45.46%

44.36%

43.76%

43.29%

42.64%

42.56%

Others (incl. cash)

32.10%

33.82%

33.37%

35.23%

33.91%

33.41%

Commodities

0.00%

Real Estate

0.00%

Instrument

Sector

No. of Shares

Value (Rs. Cr)

Weight

Change

ICICI Bank Ltd.

Financial

85,200

11.72

7.83%

0.72%↑

Larsen & Toubro Ltd.

Construction

28,200

11.68

7.81%

0.17%↑

Reliance Industries Ltd.

Energy

66,500

8.6

5.75%

-0.09%↓

HDFC Bank Ltd.

Financial

43,800

3.5

2.34%

0.17%↑

State Bank of India

Financial

19,500

1.34%

0.09%↑

Axis Bank Ltd.

Financial

13,000

1.75

1.17%

0.06%↑

Bharti Airtel Ltd.

Communication

8,000

1.48

0.99%

0.02%↑

Maruti Suzuki India Ltd.

Automobile

1,000

1.41

0.94%

0.07%↑

ICICI Lombard General Insurance Company Ltd.

Insurance

6,000

1.05

0.70%

-0.02%↓

Tata Consultancy Services Ltd.

Technology

5,000

1.02

0.68%

-0.07%↓

Infosys Ltd.

Technology

10,000

0.67%

-0.10%↓

Transport Corporation Of India Ltd.

Services

10,000

0.92

0.62%

0.01%↑

SBI Life Insurance Company Ltd.

Insurance

5,000

0.88

0.59%

-0.02%↓

Power Grid Corporation Of India Ltd.

Energy

30,000

0.86

0.57%

-0.01%↓

City Union Bank Ltd.

Financial

40,000

0.83

0.56%

0.05%↑

Lupin Ltd.

Healthcare

3,000

0.73

0.48%

0.03%↑

ITC Ltd.

Consumer Staples

25,000

0.72

0.48%

0.00%↑

Vesuvius India Ltd.

Capital Goods

15,000

0.69

0.46%

-0.01%↓

Dr. Lal Pathlabs Ltd.

Healthcare

4,000

0.66

0.44%

0.01%↑

Alkem Laboratories Ltd.

Healthcare

1,000

0.56

0.37%

0.01%↑

Sector

30 Jun 2026

31 May 2026

30 Apr 2026

31 Mar 2026

28 Feb 2026

31 Jan 2026

Financial

7.66%

7.07%

7.23%

6.73%

7.69%

8.08%

Energy

2.19%

2.27%

2.35%

2.12%

2.23%

2.16%

Technology

1.63%

1.85%

2.05%

2.01%

2.20%

2.59%

Healthcare

1.57%

1.49%

1.43%

1.42%

Services

1.54%

1.53%

1.56%

1.43%

1.56%

1.39%

Automobile

1.51%

1.43%

1.80%

1.64%

1.91%

1.85%

Capital Goods

1.44%

1.36%

1.46%

1.57%

1.71%

1.59%

Insurance

1.29%

1.32%

1.29%

1.24%

1.35%

1.31%

Communication

0.99%

0.97%

0.99%

0.93%

0.94%

0.98%

Consumer Staples

0.86%

0.82%

0.86%

0.77%

0.66%

0.67%

Construction

0.79%

0.75%

0.67%

0.77%

0.72%

Materials

0.45%

0.39%

0.42%

0.39%

0.45%

Chemicals

0.30%

0.33%

0.34%

0.33%

0.32%

0.31%

Consumer Discretionary

0.22%

0.23%

0.27%

0.22%

0.24%

0.28%

Textiles

0.23%

Rating

Fund