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3 star

HDFC Retirement Savings Fund - Hybrid Debt Plan - Regular Plan


1 Lakh

Investment Grown to
₹ 1.16 Lakh

₹ 10000

Monthly SIP Grown to
₹ 3.98 Lakh

Suitability:

Conservative hybrid funds invest roughly a quarter of your money in equity shares and the rest in bonds. These funds are suitable for those who cannot withstand too much volatility in the value of their investments and are content with moderate returns which are slightly higher than returns from fixed income options.

They may also suit those looking for a regular income from their accumulation. The debt portion of these funds provides a moderate, but steady stream of income. The small equity allocation though adds a bit of volatility, but helps boost returns to keep up with the rate of inflation over the long term.

Invest only if your investment horizon is three years or more. To derive dependable income with some degree of inflation protection, invest your accumulated savings in these funds gradually over at least a few months, and then maintain a withdrawal rate in the range of 4-6 per cent of the value of your investment every year.

Taxability of earnings:

The tax treatment of this fund may vary depending upon its asset allocation. It will be taxed in the following manner based on its average asset allocation in the last 12 months.

Capital gains

  • If the mutual fund units are sold after 3 years from the date of investment, gains are taxed at the rate of 20% after providing the benefit of inflation indexation.
  • If the mutual fund units are sold within 3 years from the date of investment, entire amount of gain is added to the investors' income and taxed according to the applicable slab rate.
  • No tax is to be paid as long as you continue to hold the units.

Dividends

  • Dividends are added to the income of the investors and taxed according to their respective tax slabs. Further, if an investor's dividend income exceeds Rs. 5,000 in a financial year, the fund house also deducts a TDS of 10% before distributing the dividend.

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(₹)
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Trailing Returns (%)

YTD 1-Day 1-W 1-M 3-M 6-M 1-Y 3-Y 5-Y 7-Y 10-Y
Fund 5.70 0.13 0.45 2.06 3.12 7.40 7.45 5.11 -- -- --
VR MIP TRI 3.82 0.19 0.65 2.69 2.43 10.09 6.23 6.84 -- -- --
Hybrid: Conservative Hybrid 3.51 0.20 0.71 2.22 2.72 8.07 5.18 4.20 -- -- --
Rank within category 16 28 27 19 12 24 15 18 -- -- --
Number of funds in category 39 39 39 39 39 39 38 36 33 30 29

As on 23-Oct-2020

Peer Comparison

Fund name Rating Launch Date 1-Year Return 3-Year Return 5-Year Return Expense Ratio Assets (Cr)
HDFC Retirement Savings Fund - Hybrid Debt Plan - Regular Plan  | Invest Online
3 star
Feb-16 7.45 5.11 -- 2.23 88
ICICI Prudential Regular Savings Fund  | Invest Now
5 star
Mar-04 9.07 7.57 8.85 1.91 2,115
HDFC Hybrid Debt Fund  | Invest Online
3 star
Dec-03 5.45 4.29 6.46 1.87 2,331
UTI Regular Savings Fund - Regular Plan  | Invest Online
2 star
Dec-03 4.29 3.42 5.91 1.79 1,638
Aditya Birla Sun Life Regular Savings Fund  | Invest Online
2 star
May-04 2.16 1.63 6.33 2.00 1,169

Best & Worst Performance

Best (Period) Worst (Period)
Week 2.36 (24-Mar-2020 - 31-Mar-2020) -3.89 (11-Mar-2020 - 18-Mar-2020)
Month 4.09 (24-Mar-2020 - 23-Apr-2020) -7.88 (20-Feb-2020 - 23-Mar-2020)
Quarter 6.24 (23-Mar-2020 - 22-Jun-2020) -5.43 (23-Dec-2019 - 23-Mar-2020)
Year 15.24 (26-Feb-2016 - 27-Feb-2017) -1.83 (26-Oct-2017 - 26-Oct-2018)

Risk Measures (%)

Mean Std Dev Sharpe Sortino Beta Alpha
Fund 5.05 4.66 0.00 0.00 0.60 -0.88
VR MIP TRI 6.50 6.53 0.22 0.25 -- --
Hybrid: Conservative Hybrid 4.11 7.14 -0.08 -0.04 0.85 -2.17
Rank within category 15 6 15 15 7 15
Number of funds in category 36 36 36 36 36 36

The Risk Measures have been calculated using calendar month returns for the last three years.

As on 30-Sep-2020

Asset Allocation (%)

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Concentration & Valuation

Number of Stocks 42
Number of Bonds 15
Average Maturity (yrs) 6.48
Top 10 Holdings (%) 65.35
Portfolio P/B Ratio 1.99
Portfolio P/E Ratio 17.90

Value Research Equity Fund Style

Value Research Debt Fund Style

Credit Rating vis-à-vis Category

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Top Debt Holdings

Company Instrument Credit Rating 1Y Range % Assets
equal 6.19% GOI 16/09/2034 GOI Securities SOV 0.00 - 11.20 11.16
equal 7.57% GOI 17/06/2033 GOI Securities SOV 0.00 - 10.53 9.33
equal 8.55% L&T Infrastructre Finance 29/11/2022 Non Convertible Debenture AAA 0.00 - 8.34 7.63
equal 8.75% Vedanta 30/06/2022 Non Convertible Debenture AA 0.00 - 9.07 7.53
equal 8.40% IRFC 2029 Debenture AAA 6.25 - 7.36 6.25
equal 7.50% GOI 2034 Central Government Loan SOV 0.00 - 6.22 6.22
equal 6.79% GOI 26/12/2029 GOI Securities SOV 5.90 - 6.96 5.90
equal 8.75% State Bank of India Bonds AA+ 5.23 - 6.33 5.23
equal 8.95% Jamnagar Utilities and Power 26/04/2023 Debenture AAA 3.05 - 3.55 3.05
equal 9.10% Shriram Transport Finance 2021 Debenture AA+ 0.00 - 3.53 3.05
equal 9.25% Reliance Jio Infocomm 16/06/2024 Debenture AAA 2.40 - 2.78 2.40
equal 9.50% Union Bank of India 31/12/2048 Bonds AA- 2.20 - 2.71 2.32
equal 11.25% Canara Bank 30/03/2050 Debenture AA 0.00 - 2.30 2.30
equal 8.40% Tata Motors 26/05/2021 Debenture AA- 0.00 - 1.77 1.61
equal 9.10% Power Finance Corp. 23/03/2029 Non Convertible Debenture AAA 1.26 - 1.47 1.26

up down equal Indicates an increase or decrease or no change in holding since last portfolio
new Indicates a new holding since last portfolio

Sector Allocation vis-à-vis Category

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Top Equity Holdings

Company Sector P/E 3Y High 3Y Low % Assets
equal Reliance Industries Energy 33.63 1.02 0.58 1.02
equal ICICI Bank Financial 28.27 1.77 0.93 1.00
equal Coforge Technology 32.97 0.95 0.44 0.95
equal HDFC Bank Financial 23.00 1.43 0.76 0.83
equal Alkyl Amines Chemicals Chemicals 26.21 0.73 0.00 0.73
equal Infosys Technology 26.76 0.75 0.48 0.66
equal Avanti Feeds FMCG 18.98 1.35 0.29 0.42
equal Redington India Technology 10.07 0.51 0.00 0.40
equal Timken India Engineering 41.10 0.49 0.25 0.38
equal Chambal Fertilisers & Chem. Chemicals 5.15 0.57 0.00 0.36
equal JB Chemicals & Pharma Healthcare 23.45 0.34 0.00 0.34
equal Larsen & Toubro Construction 15.77 0.78 0.34 0.34
equal Voltamp Transformers Engineering 10.91 0.49 0.00 0.33
equal Bajaj Electricals Cons Durable -- 0.57 0.20 0.32
equal Anup Engineering Textiles 15.75 0.29 0.00 0.29
equal Blue Star Cons Durable 132.65 0.78 0.22 0.28
equal Axis Bank Financial 91.77 0.71 0.25 0.28
equal Carborundum Universal Metals 18.72 0.64 0.25 0.28
equal Transport Corporation Services 15.79 0.26 0.00 0.26
equal Tata Steel Metals -- 0.75 0.22 0.26
equal Newgen Software Technologies Technology 16.69 0.25 0.00 0.25
equal Vesuvius India Construction 26.80 0.57 0.22 0.22
equal Oriental Carbon & Chemicals Chemicals 15.29 0.65 0.19 0.22
equal Mahindra Holidays & Resorts Services 62.22 0.49 0.19 0.21
equal Tube Investments Of India Automobile 65.57 0.38 0.11 0.21

up down equal Indicates an increase or decrease or no change in holding since last portfolio
new Indicates a new holding since last portfolio

As on 30-Sep-2020

Fund Manager

— Anand Laddha since 21-Oct-2020

Education: Mr. Laddha has done B.Com. and CA

Experience: Prior to joining HDFC Asset Management Company Limited, he has worked with Refco-Sify Securities India Pvt. Ltd. Last Position Held - AVP - FII Equity & Derivative Sales. Alchemy Share & Stock Brokers Pvt. Ltd. Last Position Held - Equity & Derivative Sales.

Funds Managed:

— Chirag Setalvad since 05-Feb-2016

Education: Mr. Setalvad is a B. Sc and MBA from University of North Carolina.

Experience: Prior to joining HDFC AMC he has worked with New Vernon Advisory Services Ltd., HDFC AMC and ING Barings N.V.

Funds Managed:

— Shobhit Mehrotra since 05-Feb-2016

Education: He is an MBA from Clemson University, USA.

Experience: Prior to joining HDFC AMC he has worked with Templeton AMC, and ICRA.

Funds Managed:


0.13%

Change from previous, NAV as on 23-Oct-2020

Growth: ₹ 14.5146


Investment Strategy

The Scheme seeks to provide long-term capital appreciation / income by investing in a mix of equity and debt instruments to help investors meet their retirement goals.

Investment Details

Minimum Investment (₹) 5,000
Minimum Addl Investment (₹) 1,000
Minimum SIP Investment (₹) 500
Minimum No of Cheques 12
Minimum Withdrawal (₹) 500
Minimum Balance (₹) 5,000
Exit Load 0

Basic Details

Fund House: HDFC Mutual Fund
Launch Date: 26-Feb-2016
Return Since Launch: 8.32%
Benchmark: NIFTY 50 Hybrid Composite Debt 15:85
Riskometer: Moderately High
Type: Open-ended
Assets: ₹ 88 Cr (As on 30-Sep-2020)
Expense: 2.23% (As on 30-Sep-2020)
Risk Grade: Average
Return Grade: Average
Turnover: --

Contact Information

AMC: HDFC Asset Management Company Ltd

Address: "HDFC House"-2nd Floor, H.T. Parekh Marg - 165-166, Backbay Reclamation, Churchgate Mumbai - 400020

Phone: 1800-3010-6767 / 1800-419-7676

Fax: 022-22821144

Website: http://www.hdfcfund.com

Registrar & Transfer Agent: Computer Age Management Services Ltd.

Address: 7th Floor, Tower II, Rayala Towers, 158, Anna Salai, Chennai - 600002

Phone: 1800-3010-6767 / 1800-419-7676

Fax: 044-30407101

Email: [email protected]

Website: www.camsonline.com

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