HDFC Retirement Savings Fund Hybrid Debt Plan Direct Growth

Scheme code: INF179KB1MK0 NAV value: ₹ 21.5609 NAV date: 18 March, 2026 TER: 1.13%

Fund option: Direct Fund type: Growth

Asset class: Solution Oriented Asset category: Retirement Fund

Rolling returns

Summary

Duration	Min (%)	Max (%)	Median (%)	Average return (%)	Category average return (%)
1 year	-1.83	18.34	7.85	7.95	13.66
3 year	3.58	10.70	8.11	7.74	12.89
5 year	5.61	10.02	8.04	7.89	12.87
7 year	6.97	8.48	7.71	7.73	11.93
10 year	7.80	8.17	7.95	7.95	12.45

Comparison vs benchmark returns

Index

Metrics

NIFTY 50

Duration	Min (%)	Max (%)	Average return (%)	Fund's return (%)
1 year	-7.02	20.62	5.61	7.95
3 year	6.28	30.95	15.04	7.74
5 year	8.38	26.02	14.22	7.89
7 year	10.18	15.62	12.93	7.73
10 year	11.42	12.93	12.18	7.95
15 year	-5.65	15.88	6.78

NIFTY 100

Duration	Min (%)	Max (%)	Average return (%)	Fund's return (%)
1 year	-8.47	19.78	4.49	7.95
3 year	6.56	19.64	13.57	7.74
5 year	9.22	12.29	10.75	7.89

NIFTY 200

Duration	Min (%)	Max (%)	Average return (%)	Fund's return (%)
1 year	-8.39	20.91	4.75	7.95
3 year	7.68	21.49	15.06	7.74
5 year	10.37	13.5	11.93	7.89

NIFTY 500

Duration	Min (%)	Max (%)	Average return (%)	Fund's return (%)
1 year	-8.47	20.67	4.16	7.95
3 year	8.04	32.03	17.81	7.74
5 year	8.18	28.64	15.34	7.89
7 year	10.64	16.42	13.77	7.73
10 year	12.56	14.06	13.31	7.95

SIP rolling returns

Summary

If you invest ₹1 lakh per month in this fund through SIP, here are the estimated returns over different timeframes.

Duration	Invested amount	Final value	Return	CAGR (%)

Comparison vs benchmark returns

Index	Metrics

SIP return for 1 year

- Total Invested Amount: ₹12,00,000 - Final Portfolio Value: ₹12,42,761 - Absolute Returns: ₹42,761 - CAGR: %

SIP return for 3 year

- Total Invested Amount: ₹36,00,000 - Final Portfolio Value: ₹40,24,541 - Absolute Returns: ₹4,24,541 - CAGR: %

SIP return for 5 year

- Total Invested Amount: ₹60,00,000 - Final Portfolio Value: ₹73,23,808 - Absolute Returns: ₹13,23,808 - CAGR: %

SIP return for 7 year

- Total Invested Amount: ₹84,00,000 - Final Portfolio Value: ₹1,11,66,344 - Absolute Returns: ₹27,66,344 - CAGR: %

SIP return for 10 year

- Total Invested Amount: ₹1,20,00,000 - Final Portfolio Value: ₹1,76,11,313 - Absolute Returns: ₹56,11,313 - CAGR: %

Drawdown Metrics

Max Drawdown

-7.94 %

Drawdown Duration

1 months

Recovery Time

4 months

Avg Drawdown

-0.70 %

Calmar Ratio by Duration

1 Y

1.0009

3 Y

0.9745

5 Y

0.9934

7 Y

0.9732

10 Y

1.0009

Benchmark Comparison

vs NIFTY 50

Duration	Alpha	Beta	Upside Capture	Downside Capture	Fund CAGR	Benchmark CAGR
1 year	-1.41	0.23	24.1	19.1	4.52 %	4.00 %
3 years	0.33	0.23	26.2	18.5	7.94 %	11.28 %
5 years	-0.04	0.19	22.4	16.0	7.03 %	9.44 %
7 years	0.28	0.15	20.0	14.2	7.42 %	10.74 %
10 years	0.41	0.16	21.2	14.8	7.80 %	12.06 %
12 years	-0.59	0.16	21.2	14.8	6.47 %	10.00 %
15 years	-1.58	0.16	21.2	14.8	5.15 %	7.92 %