MonitorDirect · Growth
HDFC Retirement Fund - Hybrid-Debt Plan
HDFC Mutual FundSolution Oriented Schemes ** - Retirement Fund10.6 years
- NAV
- 24.603
- 15 Sept 2026
- 1Y
- +0.8%
- Trailing CAGR
- AUM
- ₹146.34 Cr
- 31 Aug 2026
- Volatility
- Low
- 3.5% annualized
NAV
Path not in current snapshots
n/a
Returns
Trailing CAGR and simulated monthly SIP XIRR from daily NAV. Category comparison uses the median of comparable share classes in the peer set.
Trailing CAGR
Point-to-point, calendar-day annualized
- 1Y+0.8%
- 3Y+6.4%
- 5Y+7.0%
- 10Y+8.2%
- SI+8.9%
SIP XIRR
Equal monthly instalments to latest NAV
- 1Y-0.8%
- 3Y+3.8%
- 5Y+6.2%
- 10Y+7.7%
- Since inception
- +8.9%
- Calendar-day CAGR
- Excess 1Y
- +2.0%
- Category median, same plan and option
- 3Y win rate
- +10%
- Windows beating the median
- 3Y percentile
- 0
- Vs comparable share classes
- Worst rolling 3Y
- +5.0%
- 1829 daily-ending windows
- Median rolling 3Y
- +9.4%
- Calendar-day CAGR
- Positive rolling 5Y
- +100%
- 1344 daily-ending windows
- SIP 3Y XIRR
- +3.8%
- Simulated monthly SIP
Drawdown
Peak to trough from a running NAV high. Move across the path to read a date.
Drawdown
Path not in current snapshots
n/a
- Average recovery
- 7 days
- 232 recovered episodes
- Longest recovery
- 109 days
- Trough to prior peak
- Current spell
- 43 days
- Days below latest peak
- Time below peak
- +73%
- NAV observations
14 Feb 2020 – 10 Jul 2020
Trough 23 Mar 2020 · recovered in 109 days
-7.8%
11 Feb 2026 – 6 Jul 2026
Trough 30 Mar 2026 · recovered in 98 days
-4.0%
15 Dec 2021 – 29 Jul 2022
Trough 16 Jun 2022 · recovered in 43 days
-3.5%
13 Dec 2024 – 15 Apr 2025
Trough 3 Mar 2025 · recovered in 43 days
-3.1%
Dimensions
0–100 reads of named metrics. The mean is unweighted and only uses dimensions with data.
Returns
0
Vs category
63
Consistency
27
Risk-adjusted
77
Drawdown
80
Mean
49
Portfolio
31 Aug 2026 · 49 holdings · top 10 are 84.4%.
- Top 5
- 53.2%
- Top 10
- 84.4%
- Largest holding
- 17.8%
- Effective holdings
- 11.2
Cash Margin
Unspecified
17.8%
Repo
Unspecified
9.8%
CENTRAL GOVERNMENT LOAN 29633 GOI 17DC50 6.67 FV RS 100
Entities
9.3%
ICICI Bank Ltd
Financial
8.5%
Larsen & Toubro Ltd
Industrials
7.8%
Decision
Quantitative read of the live evidence. An explanation can only restate what is already here.
As of 15 Sept 2026
Monitor
Engine status
Monitor
Recent evidence
Why this status
- Three-year return sits below the 25th percentile of comparable share classes.
Supporting reads
- Risk-adjusted return sits above the documented risk-free proxy.
- Peak-to-trough drawdown has stayed shallower than 15%.
Worth investigating
Same-category peers with enough history to inspect beside this fund.
Axis Retirement Fund - Aggressive Plan
Axis Mutual Fund
- 1Y
- +0.1%
- 3Y
- +11.1%
- Vol
- 12.7%
- Max DD
- -25.9%
- Sharpe
- 0.48
- 3Y win
- +24%
- Higher win rate vs category
- Higher trailing returns
Caveat: Higher volatility · Deeper drawdown
Axis Retirement Fund - Dynamic Plan
Axis Mutual Fund
- 1Y
- -1.9%
- 3Y
- +11.0%
- Vol
- 11.4%
- Max DD
- -17.1%
- Sharpe
- 0.59
- 3Y win
- +94%
- Higher win rate vs category
- Higher trailing returns
Caveat: Higher volatility · Deeper drawdown
HDFC Retirement Fund - Equity Plan
HDFC Mutual Fund
- 1Y
- -6.2%
- 3Y
- +8.1%
- Vol
- 14.0%
- Max DD
- -34.9%
- Sharpe
- 0.86
- 3Y win
- +85%
- Higher win rate vs category
- Higher trailing returns
Caveat: Higher volatility · Deeper drawdown
HDFC Retirement Fund - Hybrid-Equity Plan
HDFC Mutual Fund
- 1Y
- -4.4%
- 3Y
- +6.8%
- Vol
- 10.8%
- Max DD
- -27.5%
- Sharpe
- 0.85
- 3Y win
- +85%
- Higher win rate vs category
- Higher trailing returns
Caveat: Higher volatility · Deeper drawdown
Baroda BNP Paribas Retirement Fund
Baroda BNP Paribas Mutual Fund
- 1Y
- +5.2%
- 3Y
- n/a
- Vol
- 11.3%
- Max DD
- -12.4%
- Sharpe
- 0.30
- 3Y win
- n/a
- Higher win rate vs category
Caveat: Higher volatility · Deeper drawdown · Lower trailing returns