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4 star

HDFC Retirement Savings Fund - Hybrid Debt Plan - Direct Plan


1 Lakh

Investment Grown to
₹ 1.32 Lakh

₹ 10000

Monthly SIP Grown to
₹ 4.27 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 5.72 0.11 0.46 2.67 4.46 6.24 18.22 9.76 10.08 -- --
VR MIP TRI 5.45 0.05 0.32 3.17 3.20 6.71 19.83 9.87 9.62 -- --
Hybrid: Conservative Hybrid 5.69 0.01 0.24 2.47 3.72 6.57 18.75 8.31 8.75 -- --
Rank within category 13 1 6 14 10 14 14 10 7 -- --
Number of funds in category 33 36 36 35 35 33 33 30 30 27 0

As on 15-Jun-2021

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 - Direct Plan  | Invest Online
4 star
Feb-16 18.22 9.76 10.08 1.17 120
ICICI Prudential Regular Savings Fund - Direct Plan  | Invest Now
5 star
Jan-13 17.88 10.33 10.82 0.84 3,260
SBI Debt Hybrid Fund - Direct Plan  | Invest Online
4 star
Jan-13 23.61 10.35 9.55 0.63 1,436
Kotak Debt Hybrid Fund - Direct Plan  | Invest Online
5 star
Jan-13 24.00 12.49 11.31 1.10 582
Canara Robeco Conservative Hybrid Fund - Direct Plan  | Invest Online
5 star
Jan-13 19.65 12.19 10.56 0.61 569

Best & Worst Performance

Best Performance Worst Performance
Return (%) Period Return (%) Period
Week 2.38 24-Mar-2020 - 31-Mar-2020 -3.87 11-Mar-2020 - 18-Mar-2020
Month 4.18 24-Mar-2020 - 23-Apr-2020 -7.80 20-Feb-2020 - 23-Mar-2020
Quarter 6.89 24-Sep-2020 - 24-Dec-2020 -5.16 23-Dec-2019 - 23-Mar-2020
Year 19.64 23-Mar-2020 - 23-Mar-2021 -0.34 26-Oct-2017 - 26-Oct-2018

Risk Measures (%)

Mean Std Dev Sharpe Sortino Beta Alpha
Fund 9.12 4.70 1.03 1.04 0.61 1.64
VR MIP TRI 9.52 6.87 0.76 0.89 -- --
Hybrid: Conservative Hybrid 7.90 6.51 0.67 0.79 0.72 -0.17
Rank within category 10 6 7 9 8 7
Number of funds in category 31 31 31 31 31 31

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

As on 31-May-2021

Asset Allocation (%)

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Concentration & Valuation

Number of Stocks 39
Number of Bonds 12
Average Maturity (yrs) 6.05
Top 10 Holdings (%) 54.01
Portfolio P/B Ratio 2.48
Portfolio P/E Ratio 19.07

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
up 7.75% TMF Holdings Non Convertible Debenture AA- 0.00 - 8.10 8.10
equal 6.19% GOI 16/09/2034 GOI Securities SOV 0.00 - 11.20 8.01
equal 7.57% GOI 17/06/2033 GOI Securities SOV 6.75 - 10.16 6.75
equal 8.75% Vedanta 30/06/2022 Non Convertible Debenture AA- 0.00 - 7.26 5.90
equal 8.55% L&T Infrastructre Finance 29/11/2022 Non Convertible Debenture AAA 5.64 - 8.16 5.64
equal 8.40% Indian Railway Finance Corporation 2029 Debenture AAA 4.58 - 6.82 4.58
equal 7.50% GOI 2034 Central Government Loan SOV 0.00 - 6.22 4.48
equal 6.79% GOI 26/12/2029 GOI Securities SOV 4.29 - 6.42 4.29
equal 6.67% GOI 17/12/2050 GOI Securities SOV 0.00 - 5.48 4.03
equal 8.95% Jamnagar Utilities and Power 26/04/2023 Debenture AAA 2.23 - 3.25 2.23
equal 9.25% Reliance Jio Infocomm 16/06/2024 Debenture AAA 1.76 - 2.57 1.76
equal 9.10% Power Finance Corporation 23/03/2029 Non Convertible Debenture AAA 0.93 - 1.36 0.93

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 24.29 1.77 1.00 1.37
equal HDFC Bank Financial 25.83 1.41 0.76 1.11
equal Reliance Industries Energy 30.97 1.02 0.58 0.72
equal Infosys Technology 32.43 0.75 0.48 0.67
equal Redington India Technology 13.91 0.66 0.00 0.66
equal Tata Steel Metals 18.88 0.71 0.22 0.64
equal Larsen & Toubro Construction 18.32 0.78 0.34 0.53
equal Bajaj Electricals Cons Durable 63.16 0.57 0.20 0.50
equal Chambal Fertilisers & Chem. Chemicals 7.29 0.57 0.00 0.48
equal ITC FMCG 19.37 0.51 0.00 0.45
equal MTAR Technologies Services 68.15 0.44 0.00 0.41
equal Transport Corporation Services 23.17 0.40 0.00 0.40
equal Finolex Cables Engineering 21.32 0.39 0.00 0.39
equal Avanti Feeds FMCG 21.41 0.79 0.27 0.37
equal Axis Bank Financial 31.98 0.71 0.28 0.36
equal State Bank of India Financial 17.11 0.52 0.19 0.34
equal Newgen Software Technologies Technology 27.59 0.34 0.00 0.34
equal Timken India Engineering 68.07 0.43 0.25 0.34
equal Voltamp Transformers Engineering 15.26 0.49 0.00 0.30
equal Lumax Industries Automobile 82.52 0.28 0.00 0.27
equal The Anup Engineering Textiles 16.40 0.29 0.00 0.26
equal GNA Axles Automobile 13.75 0.63 0.13 0.25
equal Nilkamal Chemicals 29.55 0.46 0.17 0.24
equal Mahindra Holidays & Resorts Services -- 0.41 0.19 0.24
equal Oriental Carbon & Chemicals Chemicals 16.50 0.56 0.19 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-May-2021

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 Franklin Templeton AMC, and ICRA.

Funds Managed:


0.11%

Change from previous, NAV as on 15-Jun-2021

Growth: ₹ 17.1451


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
Lock-in Period 5 Years
Exit Load 0

Basic Details

Fund House: HDFC Mutual Fund
Launch Date: 26-Feb-2016
Return Since Launch: 10.70%
Benchmark: NIFTY 50 Hybrid Composite Debt 15:85
Riskometer: Moderately High
Type: Open-ended
Assets: ₹ 120 Cr (As on 31-May-2021)
Expense: 1.17% (As on 30-Apr-2021)
Risk Grade: Below 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: 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

Upcoming Video

Investors' Hangout

Your investment strategy after the debt fund fiasco

DateFriday, 18-Jun-2021
Time12:30 PM - 01:00 PM