MonitorDirect · GrowthWatch before adding
HDFC Retirement Fund - Hybrid-Equity Plan
HDFC Mutual FundSolution Oriented Schemes ** - Retirement Fund10.7 years
- NAV
- 41.198
- 29 Oct 2026
- 1Y
- -8.6%
- Trailing CAGR
- AUM
- ₹1,529.61 Cr
- 30 Sept 2026
- Volatility
- Medium
- 10.8% annualized
Buying brief
Should you add this fund?
Evidence on this desk, framed as a purchase checklist - not SEBI-registered advice.
As of 29 Oct 2026
Stance
Watch before adding
Recent evidence is mixed. Compare peers before increasing exposure.
In three lines
Fits if · The fund beat the category median in 84% of rolling 3-year windows.
Fits if · Risk-adjusted return sits above the documented risk-free proxy.
Prefer peers if · Prefer Axis Retirement Fund - Dynamic Plan if you want a same-category peer with stronger evidence.
Buy checklist
History depth
Pass
10.7 years of path to read.
Engine status
Watch
Recent evidence is mixed. Compare peers before increasing exposure.
Expense ratio
Pass
1.12% TER (Direct). Lower cost compounds on long SIPs.
Drawdown vs peers
Pass
Peak-to-trough -27.5%. Ask whether you can hold through a similar fall.
Vs category
Pass
84% of rolling 3Y windows beat the category median, same plan and option.
Manager tenure
n/a
Manager not listed.
Exit load
n/a
No exit-load summary on file.
Tax / wrapper
Pass
Direct Growth, no ELSS lock flagged. Equity LTCG rules still apply after one year - not tax advice.
Portfolio concentration
Pass
Top 10 holdings ≈ 45.2% of the portfolio.
Browse category
Same-category peers are preloaded into compare when available.
Before you buy or SIP
Behaviour and wrappers - the usual India MF failure modes - not a buy instruction.
SIP discipline
Monitor is recent mixed evidence - keep the SIP unless the buying brief says prefer peers, then swap with intent.
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-8.6%
- 3Y+7.4%
- 5Y+8.7%
- 10Y+12.0%
- SI+14.2%
SIP XIRR
Equal monthly instalments to latest NAV
- 1Y-7.2%
- 3Y-0.1%
- 5Y+6.5%
- 10Y+11.2%
- Since inception
- +14.2%
- Calendar-day CAGR
- Excess 1Y
- -3.8%
- Category median, same plan and option
- 3Y win rate
- +84%
- Windows beating the median
- 3Y percentile
- 40
- Vs comparable share classes
- SIP 3Y XIRR
- -0.1%
- Simulated monthly SIP
- Worst rolling 3Y
- -0.6%
- 1890 daily-ending windows
- Median rolling 3Y
- +15.8%
- Calendar-day CAGR
- Positive rolling 5Y
- +100%
- 1398 daily-ending windows
Drawdown
Peak to trough from a running NAV high, with the path and recovery episodes.
- Max drawdown
- -27.5%
- Worst peak-to-trough
- Current
- -9.2%
- Below last peak
- Current spell
- 297 days
- Days below latest peak
- Time below peak
- +83%
- NAV observations
Drawdown
Path not in current snapshots
n/a
- Average recovery
- 11 days
- 166 recovered episodes
- Longest recovery
- 231 days
- Trough to prior peak
20 Feb 2020 – 8 Oct 2020
Trough 23 Mar 2020 · recovered in 199 days
-27.5%
26 Sept 2024 – 20 Oct 2025
Trough 3 Mar 2025 · recovered in 231 days
-12.3%
5 Jan 2026 – open
Trough 30 Mar 2026 · not recovered
-12.1%
17 Jan 2022 – 8 Sept 2022
Trough 20 Jun 2022 · recovered in 80 days
-11.7%
Dimensions
0–100 reads of named metrics. The mean is unweighted and only uses dimensions with data.
Returns
40
Vs category
27
Consistency
76
Risk-adjusted
63
Drawdown
31
Mean
47
Decision
Quantitative engine reasons behind the buying stance. An explanation can only restate what is already here.
Monitor
Buying stance
Watch before adding
Recent evidence is mixed. Compare peers before increasing exposure.
Why this status
- Long-term category-relative performance remains stronger than the most recent rolling 1-year windows, which have deteriorated across multiple periods.
Supporting reads
- The fund beat the category median in 84% of rolling 3-year windows.
- Risk-adjusted return sits above the documented risk-free proxy.
Portfolio
30 Sept 2026 · 75 holdings · top 10 are 45.2%.
- Top 5
- 30.7%
- Top 10
- 45.2%
- Largest holding
- 11.1%
- Effective holdings
- 30.6
Repo
Unspecified
11.1%
ICICI Bank Ltd
Financial
6.0%
HDFC Bank Ltd
Financial
5.6%
BAJAJ FINANCE LIMITED 7.93 NCD 02MY34 FVRS1LAC
Financial
4.5%
Kotak Mahindra Bank Ltd
Financial
3.5%
What changed
PERFORMANCE
Recent rolling excess versus the category median has deteriorated.
29 Oct 2026
PERFORMANCE
Recent rolling excess versus the category median has deteriorated.
28 Oct 2026
PERFORMANCE
Recent rolling excess versus the category median has deteriorated.
27 Oct 2026
PERFORMANCE
Recent rolling excess versus the category median has deteriorated.
26 Oct 2026
PERFORMANCE
Recent rolling excess versus the category median has deteriorated.
23 Oct 2026
PERFORMANCE
Recent rolling excess versus the category median has deteriorated.
22 Oct 2026
PERFORMANCE
Recent rolling excess versus the category median has deteriorated.
21 Oct 2026
PERFORMANCE
Recent rolling excess versus the category median has deteriorated.
19 Oct 2026
PERFORMANCE
Recent rolling excess versus the category median has deteriorated.
16 Oct 2026
PERFORMANCE
Recent rolling excess versus the category median has deteriorated.
24 Sept 2026
PERFORMANCE
Recent rolling excess versus the category median has deteriorated.
23 Sept 2026
PERFORMANCE
Recent rolling excess versus the category median has deteriorated.
22 Sept 2026
Worth investigating
Same-category peers with enough history to inspect beside this fund - including tradeoffs.
Axis Retirement Fund - Dynamic Plan
Axis Mutual Fund
- 1Y
- -5.8%
- 3Y
- +11.6%
- Vol
- 11.4%
- Max DD
- -17.1%
- Sharpe
- 0.50
- 3Y win
- +94%
- Shallower drawdown
- Higher win rate vs category
- Higher trailing returns
Caveat: Higher volatility · Higher TER
HDFC Retirement Fund - Equity Plan
HDFC Mutual Fund
- 1Y
- -9.7%
- 3Y
- +9.4%
- Vol
- 14.0%
- Max DD
- -34.9%
- Sharpe
- 0.80
- 3Y win
- +86%
- Higher win rate vs category
- Lower TER
- Higher trailing returns
Caveat: Higher volatility · Deeper drawdown
Baroda BNP Paribas Retirement Fund
Baroda BNP Paribas Mutual Fund
- 1Y
- -1.6%
- 3Y
- n/a
- Vol
- 11.3%
- Max DD
- -12.4%
- Sharpe
- 0.08
- 3Y win
- n/a
- Shallower drawdown
- Higher win rate vs category
Caveat: Higher volatility · Higher TER · Lower trailing returns
Axis Retirement Fund - Aggressive Plan
Axis Mutual Fund
- 1Y
- -5.6%
- 3Y
- +10.8%
- Vol
- 12.7%
- Max DD
- -25.9%
- Sharpe
- 0.38
- 3Y win
- +26%
- Shallower drawdown
- Higher trailing returns
Caveat: Higher volatility · Higher TER
Axis Retirement Fund - Conservative Plan
Axis Mutual Fund
- 1Y
- -3.4%
- 3Y
- +7.1%
- Vol
- 6.4%
- Max DD
- -12.7%
- Sharpe
- 0.38
- 3Y win
- 0%
- Lower volatility
- Shallower drawdown
Caveat: Higher TER · Lower trailing returns