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HDFC Retirement Savings Fund - Hybrid Debt Plan - Direct Plan


1 Lakh

Investment Grown to
₹ 1.27 Lakh

₹ 10000

Monthly SIP Grown to
₹ 4.06 Lakh

Analyst's Choice?

Suitability:

When you invest for three years or above, you can expect gains that beat the inflation rate and are also slightly higher than fixed income options. But be prepared for some ups and downs in your investment value along the way.

Conservative hybrid funds invest roughly a quarter of your money in equity shares and the rest in bonds and commodities. Given their underlying investments, these funds offer a viable alternative to regular income seekers. To derive dependable, inflation-protected income, 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% of the value of your investment every year.

Warning: Do not invest in this, or any other aggressive hybrid fund, if you need to redeem your investment in less than three years.

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 paid by the mutual fund scheme are taxed at the rate of 25% (effectively 29.12%, including surcharge and cess). This is known as Dividend Distribution Tax (DDT).Though the investor does not pay this tax directly, it is deducted from the dividend income before passing on to the investor.

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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 2.50 -0.10 -0.03 1.12 3.14 6.85 11.41 8.23 -- -- --
VR MIP TRI 0.93 0.29 -0.01 0.62 1.79 5.47 10.56 8.63 -- -- --
Hybrid: Conservative Hybrid 1.13 -0.38 -0.16 0.19 1.85 5.91 8.66 7.08 -- -- --
Rank within category 4 4 7 6 7 12 10 10 -- -- --
Number of funds in category 31 31 31 31 31 31 30 30 26 21 0

As on 24-Feb-2020

Best & Worst Performance

Best (Period) Worst (Period)
Week 1.69 (21-May-2019 - 28-May-2019) -1.83 (25-Jan-2018 - 02-Feb-2018)
Month 3.24 (28-Jun-2016 - 28-Jul-2016) -2.59 (07-Sep-2018 - 09-Oct-2018)
Quarter 6.63 (24-Jun-2016 - 23-Sep-2016) -2.01 (06-Apr-2018 - 06-Jul-2018)
Year 17.24 (26-Feb-2016 - 27-Feb-2017) -0.34 (26-Oct-2017 - 26-Oct-2018)

Risk Measures (%)

Mean Std Dev Sharpe Sortino Beta Alpha
Fund 7.69 3.70 0.55 0.92 0.73 0.21
VR MIP TRI 8.13 4.10 0.60 0.95 -- --
Hybrid: Conservative Hybrid 6.70 4.22 0.31 0.54 0.75 -0.82
Rank within category 8 16 11 10 19 11
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 31-Jan-2020

Asset Allocation (%)

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Concentration & Valuation

Number of Stocks 42
Number of Bonds 15
Average Maturity (yrs) 5.71
Top 10 Holdings (%) 66.73
Portfolio P/B Ratio 2.28
Portfolio P/E Ratio 17.83

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
new 7.57% GOI 17/06/2033 GOI Securities SOV 0.00 - 10.04 10.04
equal 7.68% GOI 15/12/2023 GOI Securities SOV 9.35 - 11.75 9.35
new 8.75% Vedanta 30/06/2022 Non Convertible Debenture AA 0.00 - 8.95 8.95
equal 8.40% IRFC 2029 Debenture AAA 0.00 - 7.90 6.73
equal 7.93% Power Grid Corporation 20/05/2028 Bonds AAA 0.00 - 7.68 6.59
equal 6.79% GOI 26/12/2029 GOI Securities SOV 0.00 - 7.38 6.35
equal 9.33% Starlite Lighting 2021 Structured Obligation A- 0.00 - 6.49 6.17
equal 8.75% State Bank of India Bonds AA+ 5.82 - 7.27 5.82
new 9.10% Shriram Transport Finance 2021 Debenture AA+ 0.00 - 3.46 3.46
equal 8.95% Jamnagar Utilities and Power 26/04/2023 Debenture AAA 3.27 - 4.04 3.27
new 8.55% L&T Infrastructre Finance 29/11/2022 Non Convertible Debenture AAA 0.00 - 3.22 3.22
equal 11.25% Syndicate Bank 30/03/2050 Debenture A+ 2.62 - 3.30 2.62
equal 9.25% Reliance Jio Infocomm 16/06/2024 Debenture AAA 2.56 - 3.11 2.56
equal 9.50% Union Bank of India 31/12/2048 Bonds AA- 2.54 - 3.02 2.54
equal 9.10% Power Finance Corp. 23/03/2029 Non Convertible Debenture AAA 0.00 - 1.55 1.37

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 ICICI Bank Financial 36.13 1.77 0.60 1.66
equal HDFC Bank Financial 25.23 1.43 1.07 1.07
equal NIIT Technologies Technology 26.36 0.93 0.35 0.92
equal Aarti Industries Chemicals 33.02 0.92 0.55 0.82
equal Reliance Industries Energy 21.12 0.91 0.57 0.72
equal Avanti Feeds FMCG 22.77 1.35 0.34 0.64
equal Larsen & Toubro Construction 18.10 0.78 0.37 0.58
equal Infosys Technology 20.72 0.75 0.53 0.57
equal Axis Bank Financial 42.77 0.71 0.25 0.54
equal Voltamp Transformers Engineering 13.08 0.49 0.00 0.49
equal Chambal Fertilisers & Chem. Chemicals 5.54 0.57 0.00 0.46
equal Redington India Technology 8.06 0.51 0.00 0.44
equal Blue Star Cons Durable 37.11 0.78 0.41 0.41
equal State Bank of India Financial 24.53 0.61 0.37 0.39
equal Timken India Engineering 31.44 0.49 0.25 0.38
equal Carborundum Universal Metals 26.84 0.64 0.38 0.38
equal Tata Steel Metals 9.24 0.75 0.32 0.36
equal Alkyl Amines Chemicals Chemicals 18.37 0.34 0.00 0.34
equal Mahindra Holidays & Resorts Services 37.16 0.56 0.24 0.34
equal Oriental Carbon & Chemicals Chemicals 12.35 0.69 0.33 0.33
equal SKF India Engineering 33.03 0.48 0.32 0.32
equal Vesuvius India Construction 28.10 0.63 0.31 0.31
equal Kalpataru Power Trans Construction 11.08 0.45 0.27 0.29
equal Indian Hotels Services 41.51 0.44 0.28 0.28
equal Nilkamal Chemicals 15.43 0.61 0.18 0.24

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 31-Jan-2020

Fund Manager

— 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:


-0.10%

Change from previous, NAV as on 24-Feb-2020

Growth: ₹ 14.8880


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: 10.47%
Benchmark: NIFTY 50 Hybrid Composite Debt 15:85
Riskometer: Moderately High
Type: Open-ended
Assets: ₹ 78 Cr (As on 31-Jan-2020)
Expense: 1.14% (As on 31-Jan-2020)
Risk Grade: Average
Return Grade: Above 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: 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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