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HDFC Retirement Savings Fund - Hybrid Equity Plan Direct-Growth

Hybrid: Aggressive Hybrid - Growth (Open ended)

HDFC Retirement Savings Fund - Hybrid Equity Plan Direct-GrowthNAV: 43.17 as on 06 Jul, 2026

Risk levelCategoryBenchmark

Factsheet

SEBI Riskometer: Very HighCategory: Hybrid: Aggressive HybridBenchmark: NIFTY 50 Hybrid Composite Debt 65:35 Index

NAV: ₹43.17+0.06%

07 Jul 2026

Holdings Analysis

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

Asset Allocation

As on 31 May 2026

Equity

71.74%

Debt

17.02%

Others

10.30%

Real estate

0.94%

Market Cap Distribution

Large Cap (63.9%)

Mid Cap (9.5%)

Small Cap (26.6%)

Historical Asset Allocation

Asset	31 May 2026	30 Apr 2026	31 Mar 2026	28 Feb 2026	31 Jan 2026	31 Dec 2025
Equity	71.74%	74.98%	73.13%	75.41%	75.94%	74.06%
Debt	17.02%	16.85%	17.68%	16.30%	16.24%	15.93%
Others (incl. cash)	10.30%	7.25%	8.23%	7.42%	6.93%	9.14%
Commodities	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Real Estate	0.94%	0.92%	0.96%	0.87%	0.89%	0.87%

Portfolio Snapshot

No. of Securities

P/E Ratio

23.46

P/B Ratio

3.24

Top Holding %

10.30%

Top 5 Holdings %

29.50%

Top 10 Holdings %

43.67%

Modified Duration

3.58 yrs

Avg. Maturity

5.13 yrs

Yield to Maturity

6.75%

AUM

₹1,592 Cr

Expense Ratio

1.12%

Since Inception

15.15%

Max Drawdown

-0.28%

Sharpe Ratio

0.37

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
HDFC Bank Ltd.	Financial	12,00,000	89.35	5.61%	-0.12%↓
ICICI Bank Ltd.	Financial	7,00,000	87.95	5.52%	0.05%↑
Reliance Industries Ltd.	Energy	4,50,000	59.45	3.73%	-0.25%↓
Axis Bank Ltd.	Financial	4,00,000	51.46	3.23%	0.09%↑
Kotak Mahindra Bank Ltd.	Financial	13,00,000	49.95	3.14%	0.29%↑
State Bank of India	Financial	5,00,000	48.22	3.03%	-0.28%↓
Maruti Suzuki India Ltd.	Automobile	30,000	39.38	2.47%	0.00%
Bharti Airtel Ltd.	Communication	2,00,000	36.58	2.30%	-0.03%↓
Infosys Ltd.	Technology	3,00,000	34.83	2.19%	0.00%
Tata Consultancy Services Ltd.	Technology	1,50,000	33.88	2.13%	-0.17%↓
Larsen & Toubro Ltd.	Construction	75,000	30.57	1.92%	0.06%↑
Power Grid Corporation Of India Ltd.	Energy	10,00,000	29.06	1.82%	-0.15%↓
HCL Technologies Ltd.	Technology	2,00,000	23.68	1.49%	0.01%↑
Dr. Lal Pathlabs Ltd.	Healthcare	1,30,000	20.9	1.31%	0.21%↑
ITC Ltd.	Consumer Staples	7,00,000	20.08	1.26%	-0.10%↓
Max Financial Services Ltd.	Financial	1,15,000	19.25	1.21%	0.08%↑
ICICI Lombard General Insurance Company Ltd.	Insurance	1,00,000	17.92	1.13%	0.04%↑
City Union Bank Ltd.	Financial	7,00,000	17.88	1.12%	-0.05%↓
Bajaj Auto Ltd.	Automobile	16,465	17.22	1.08%	-0.16%↓
Alkem Laboratories Ltd.	Healthcare	30,000	16.49	1.04%	0.04%↑

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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 May 2026	30 Apr 2026	31 Mar 2026	28 Feb 2026	31 Jan 2026	31 Dec 2025
Financial	24.65%	24.55%	23.96%	25.39%	25.19%	24.28%
Energy	7.60%	7.92%	7.24%	6.98%	6.69%	5.91%
Technology	6.65%	7.34%	7.93%	8.01%	9.61%	7.92%
Automobile	6.35%	7.40%	7.34%	7.88%	7.66%	7.49%
Healthcare	4.96%	4.83%	4.89%	4.73%	4.62%	5.36%
Capital Goods	4.93%	5.29%	4.89%	5.02%	4.84%	5.05%
Consumer Staples	2.96%	3.09%	2.81%	2.87%	2.85%	3.22%
Insurance	2.74%	2.66%	2.75%	2.86%	2.81%	2.87%
Services	2.50%	3.10%	2.93%	3.08%	3.18%	3.02%
Communication	2.30%	2.33%	2.31%	2.21%	2.31%	2.41%
Construction	1.92%	1.86%	1.71%	1.88%	1.73%	1.76%
Metals & Mining	1.47%	1.82%	1.76%	1.78%	1.79%	2.02%
Materials	1.41%	1.44%	1.36%	1.50%	1.49%	1.49%
Consumer Discretionary	0.88%	0.91%	0.80%	0.81%	0.78%	0.87%
Chemicals	0.42%	0.44%	0.45%	0.41%	0.39%	0.39%

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	10.30%	4.62%
SOV	9.89%	8.43%
AAA	7.13%	6.11%
A	-	0.03%
A+	-	0.14%
A1+	-	2.10%
AA	-	0.73%
AA+	-	1.40%
AA-	-	0.16%
Cash	-	0.37%
D	-	1.85%
Others	-	0.14%
Term Deposits	-	0.00%
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

57.2 / 100

Weighted average Value score is 57.2. This indicates that portfolio is relatively reasonably valued using composite of value measures.

Price Momentum score

55.1 / 100

Weighted average Price Momentum score is 55.1. 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

71.4 / 100

Weighted average QVM score is 71.4. 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): Bajaj Electricals Ltd., SKF India Ltd.

High leverage

Following companies have debt to equity of greater than 2:

Name	Value
Lumax Industries Ltd.	104.1
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
Bajaj Finance Ltd.	Debenture	7.93%	0	CRISIL - AAA	4.34%
GOI	GOI Securities	7.26%	22/08/2032	SOV	1.91%
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	1.58%
Bajaj Housing Finance Ltd.	Non Convertible Debenture	7.50%	09/04/2035	CRISIL - AAA	1.52%
GOI	GOI Securities	7.26%	06/02/2033	SOV	1.27%
Mahindra Rural Housing Finance Ltd.	Non Convertible Debenture	8.35%	24/09/2032	CRISIL - AAA	0.95%
GOI	GOI Securities	7.57%	17/06/2033	SOV	0.81%
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	0.32%
GOI	GOI Securities	6.68%	07/07/2040	SOV	0.30%

Frequently Asked Questions

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

The top holdings of HDFC Retirement Savings Fund - Hybrid Equity 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 Equity Plan Direct-Growth hold in its portfolio?

HDFC Retirement Savings Fund - Hybrid Equity Plan Direct-Growth holds 79 securities in its portfolio. The top 5 holdings account for 29.50% of the portfolio and the top 10 for 43.67%.

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

The sector allocation of HDFC Retirement Savings Fund - Hybrid Equity 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 Equity Plan Direct-Growth?

As of 31 May 2026, HDFC Retirement Savings Fund - Hybrid Equity Plan Direct-Growth has 71.74% in equity, 17.02% in debt and 10.30% in cash/others. This asset mix determines the fund's overall risk-return profile. The debt portfolio has a yield to maturity (YTM) of 6.75%.

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

HDFC Retirement Savings Fund - Hybrid Equity Plan Direct-Growth's equity portfolio — Large Cap: 63.87%, Mid Cap: 9.51%, Small Cap: 26.62%. 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 Equity Plan Direct-Growth a concentrated or diversified fund?

HDFC Retirement Savings Fund - Hybrid Equity Plan Direct-Growth holds 79 securities, with the top 10 accounting for 43.67% of the portfolio and the top 5 for 29.50%. This is a moderately diversified fund balancing conviction positions with risk spread.

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

The debt holdings of HDFC Retirement Savings Fund - Hybrid Equity Plan Direct-Growth are rated as follows — Cash & Call Money: 10.30%, SOV: 9.89%, AAA: 7.13%. 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 Equity Plan Direct-Growth change its portfolio?

The portfolio currently holds 79 securities with the top 10 accounting for 43.67% as of 31 May 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 Equity Plan Direct-Growth's portfolio?

The weighted average PE ratio of HDFC Retirement Savings Fund - Hybrid Equity Plan Direct-Growth's portfolio is 23.46 and the PB ratio is 3.24. The debt portfolio has a modified duration of 3.58 years and an average maturity of 5.13 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 Equity Plan Direct-Growth?

The latest portfolio disclosure for HDFC Retirement Savings Fund - Hybrid Equity Plan Direct-Growth is as of 31 May 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

31 May 2026

30 Apr 2026

31 Mar 2026

28 Feb 2026

31 Jan 2026

31 Dec 2025

Equity

71.74%

74.98%

73.13%

75.41%

75.94%

74.06%

Debt

17.02%

16.85%

17.68%

16.30%

16.24%

15.93%

Others (incl. cash)

10.30%

7.25%

8.23%

7.42%

6.93%

9.14%

Commodities

0.00%

Real Estate

0.94%

0.92%

0.96%

0.87%

0.89%

0.87%

Instrument

Sector

No. of Shares

Value (Rs. Cr)

Weight

Change

HDFC Bank Ltd.

Financial

12,00,000

89.35

5.61%

-0.12%↓

ICICI Bank Ltd.

Financial

7,00,000

87.95

5.52%

0.05%↑

Reliance Industries Ltd.

Energy

4,50,000

59.45

3.73%

-0.25%↓

Axis Bank Ltd.

Financial

4,00,000

51.46

3.23%

0.09%↑

Kotak Mahindra Bank Ltd.

Financial

13,00,000

49.95

3.14%

0.29%↑

State Bank of India

Financial

5,00,000

48.22

3.03%

-0.28%↓

Maruti Suzuki India Ltd.

Automobile

30,000

39.38

2.47%

0.00%

Bharti Airtel Ltd.

Communication

2,00,000

36.58

2.30%

-0.03%↓

Infosys Ltd.

Technology

3,00,000

34.83

2.19%

0.00%

Tata Consultancy Services Ltd.

Technology

1,50,000

33.88

2.13%

-0.17%↓

Larsen & Toubro Ltd.

Construction

75,000

30.57

1.92%

0.06%↑

Power Grid Corporation Of India Ltd.

Energy

10,00,000

29.06

1.82%

-0.15%↓

HCL Technologies Ltd.

Technology

2,00,000

23.68

1.49%

0.01%↑

Dr. Lal Pathlabs Ltd.

Healthcare

1,30,000

20.9

1.31%

0.21%↑

ITC Ltd.

Consumer Staples

7,00,000

20.08

1.26%

-0.10%↓

Max Financial Services Ltd.

Financial

1,15,000

19.25

1.21%

0.08%↑

ICICI Lombard General Insurance Company Ltd.

Insurance

1,00,000

17.92

1.13%

0.04%↑

City Union Bank Ltd.

Financial

7,00,000

17.88

1.12%

-0.05%↓

Bajaj Auto Ltd.

Automobile

16,465

17.22

1.08%

-0.16%↓

Alkem Laboratories Ltd.

Healthcare

30,000

16.49

1.04%

0.04%↑

Sector

31 May 2026

30 Apr 2026

31 Mar 2026

28 Feb 2026

31 Jan 2026

31 Dec 2025

Financial

24.65%

24.55%

23.96%

25.39%

25.19%

24.28%

Energy

7.60%

7.92%

7.24%

6.98%

6.69%

5.91%

Technology

6.65%

7.34%

7.93%

8.01%

9.61%

7.92%

Automobile

6.35%

7.40%

7.34%

7.88%

7.66%

7.49%

Healthcare

4.96%

4.83%

4.89%

4.73%

4.62%

5.36%

Capital Goods

4.93%

5.29%

4.89%

5.02%

4.84%

5.05%

Consumer Staples

2.96%

3.09%

2.81%

2.87%

2.85%

3.22%

Insurance

2.74%

2.66%

2.75%

2.86%

2.81%

2.87%

Services

2.50%

3.10%

2.93%

3.08%

3.18%

3.02%

Communication

2.30%

2.33%

2.31%

2.21%

2.31%

2.41%

Construction

1.92%

1.86%

1.71%

1.88%

1.73%

1.76%

Metals & Mining

1.47%

1.82%

1.76%

1.78%

1.79%

2.02%

Materials

1.41%

1.44%

1.36%

1.50%

1.49%

Consumer Discretionary

0.88%

0.91%

0.80%

0.81%

0.78%

0.87%

Chemicals

0.42%

0.44%

0.45%

0.41%

0.39%

Rating

Fund