Mutual fund · Retirement
HDFC Retirement Fund - Hybrid-Debt Plan
₹143 cr across 39 positions, as filed for 2026-09-30. Returns are the fund's AMFI growth-plan NAV; holdings and behavior come from its filed monthly portfolios.
Returns, against the category
Q2 FY27: −1% over 1 year against the median Retirement fund's +1%.
| Over | Quarter | 1 year | 3 years (ann.) | 5 years (ann.) |
|---|---|---|---|---|
| HDFC Retirement Fund - Hybrid-Debt Plan | −2% | −1% | +5% | +6% |
| Median Retirement fund | −2% | +1% | +7% | +7% |
+11%Q3 FY24+13%Q4 FY24+13%Q1 FY25+15%Q2 FY25+10%Q3 FY25+7%Q4 FY25+7%Q1 FY26+2%Q2 FY26+5%Q3 FY26+1%Q4 FY26+1%Q1 FY27−1%Q2 FY27
What moved the fund, last 12 filed months
Contribution = the fund's filed weight each month × that stock's price move in its own filings, in percentage points of NAV. Corporate-action months are left out.
| Stock | 12 months | Latest month |
|---|---|---|
| Vesuvius India Ltd. | +0.0 pp | +0.0 pp |
| Dr. Lal Path Labs Ltd | +0.0 pp | +0.0 pp |
| TCPL PACKAGING LIMITED | +0.0 pp | +0.0 pp |
| ITC LIMITED | +0.0 pp | +0.0 pp |
| PVR LIMITED | +0.0 pp | +0.0 pp |
| Stock | 12 months | Latest month |
|---|---|---|
| ICICI Bank Ltd. | −0.8 pp | −0.8 pp |
| Larsen and Toubro Ltd. | −0.5 pp | −0.5 pp |
| Reliance Industries Ltd. | −0.4 pp | −0.4 pp |
| State Bank of India | −0.1 pp | −0.1 pp |
| Maruti Suzuki India Limited | −0.1 pp | −0.1 pp |
Holdings, as filed for 2026-09-30
| Holding | Sector | % of fund | Value | Held for | Vs avg cost |
|---|---|---|---|---|---|
| ICICI Bank | Financial Services | 7.90% | ₹11 cr | 2 mo | -9% |
| Larsen & Toubro Limited | Construction | 7.43% | ₹11 cr | 2 mo | -7% |
| Reliance Industries Limited | Oil, Gas & Consumable Fuels | 5.53% | ₹8 cr | 2 mo | -7% |
| HDFC Bank | Financial Services | 2.18% | ₹3 cr | 2 mo | -0% |
| State Bank of India | Financial Services | 1.31% | ₹2 cr | 2 mo | -9% |
| Axis Bank | Financial Services | 1.12% | ₹2 cr | 2 mo | -6% |
| Bharti Airtel Limited | Telecommunication | 0.99% | ₹1 cr | 2 mo | -3% |
| Maruti Suzuki India Limited | Automobile and Auto Components | 0.84% | ₹1 cr | 2 mo | -12% |
| Firstsource Solutions Limited | Services | 0.72% | ₹1 cr | 1 mo | 0% |
| Vedant Fashions Limited | Consumer Services | 0.71% | ₹1 cr | 2 mo | -1% |
| Infosys | Information Technology | 0.70% | ₹1 cr | 2 mo | -12% |
| Suprajit Engineering Limited | Automobile and Auto Components | 0.67% | ₹1 cr | 2 mo | -3% |
| United Spirits Limited | Fast Moving Consumer Goods | 0.66% | ₹1 cr | 2 mo | -5% |
| Vishal Mega Mart Limited | Consumer Services | 0.64% | ₹1 cr | 2 mo | -6% |
| City Union Bank Limited | Financial Services | 0.63% | ₹1 cr | 2 mo | -1% |
How this fund actually behaves
Computed from every filed monthly portfolio (2 months of filings) by the research pipeline.
| Holding patience | Median months a position is held (25th–75th band) | 1 mo (1–1) |
| Win rate on exits | Closed positions sold above entry, and the payoff ratio (0 exits) | — · payoff — |
| Loser handling | Cuts losers vs averages down, from 12 months of filings | Sample too small |
| Entry valuation discipline | Median P/E paid on entries over 36 months; share above 50× | 27× · 10% over 50× |
| Portfolio valuation today | Weighted P/E and P/B of the current book at filed prices | 24.8× P/E · 3.9× P/B · 1% loss-makers |
| Churn | Stocks entered and exited in 12 months, of 39 positions | 42 in · 3 out |
| Concentration | Top 10 holdings' share; effective number of positions | 29% · ~11 effective |