MonitorDirect · Growth
HDFC Retirement Fund - Hybrid-Equity Plan
HDFC Mutual FundSolution Oriented Schemes ** - Retirement Fund10.6 years
- NAV
- 41.524
- 15 Sept 2026
- 1Y
- -4.4%
- Trailing CAGR
- AUM
- ₹1,630.28 Cr
- 31 Aug 2026
- Volatility
- Medium
- 10.8% 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-4.4%
- 3Y+6.8%
- 5Y+9.2%
- 10Y+12.4%
- SI+14.6%
SIP XIRR
Equal monthly instalments to latest NAV
- 1Y-6.5%
- 3Y+1.5%
- 5Y+7.5%
- 10Y+11.8%
- Since inception
- +14.6%
- Calendar-day CAGR
- Excess 1Y
- -4.8%
- Category median, same plan and option
- 3Y win rate
- +85%
- Windows beating the median
- 3Y percentile
- 20
- Vs comparable share classes
- Worst rolling 3Y
- -0.6%
- 1859 daily-ending windows
- Median rolling 3Y
- +15.8%
- Calendar-day CAGR
- Positive rolling 5Y
- +100%
- 1367 daily-ending windows
- SIP 3Y XIRR
- +1.5%
- 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
- 11 days
- 166 recovered episodes
- Longest recovery
- 231 days
- Trough to prior peak
- Current spell
- 249 days
- Days below latest peak
- Time below peak
- +82%
- NAV observations
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
20
Vs category
20
Consistency
78
Risk-adjusted
68
Drawdown
31
Mean
44
Portfolio
31 Aug 2026 · 80 holdings · top 10 are 41.6%.
- Top 5
- 27.3%
- Top 10
- 41.6%
- Largest holding
- 8.0%
- Effective holdings
- 36.6
Repo
Unspecified
8.0%
ICICI Bank Ltd
Financial
6.3%
HDFC Bank Ltd
Financial
5.3%
BAJAJ FINANCE LIMITED 7.93 NCD 02MY34 FVRS1LAC
Financial
4.3%
Reliance Industries Ltd
Energy & Utilities
3.6%
What changed
PERFORMANCE
Recent rolling excess versus the category median has deteriorated.
11 Sept 2026
PERFORMANCE
Recent rolling excess versus the category median has deteriorated.
10 Sept 2026
Decision
Quantitative read of the live evidence. An explanation can only restate what is already here.
As of 11 Sept 2026
Monitor
Engine status
Monitor
Recent evidence
Why this status
- Long-term category-relative performance remains stronger than the most recent rolling 1-year windows, which have deteriorated across multiple periods.
- Three-year return sits below the 25th percentile of comparable share classes.
Supporting reads
- The fund beat the category median in 85% of rolling 3-year windows.
- Risk-adjusted return sits above the documented risk-free proxy.
Worth investigating
Same-category peers with enough history to inspect beside this fund.
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%
- Shallower drawdown
- Higher win rate vs category
- Higher trailing returns
Caveat: Higher volatility
Axis Retirement Fund - Conservative Plan
Axis Mutual Fund
- 1Y
- -0.6%
- 3Y
- +7.0%
- Vol
- 6.4%
- Max DD
- -12.7%
- Sharpe
- 0.52
- 3Y win
- 0%
- Lower volatility
- Shallower drawdown
- Higher trailing returns
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
- Shallower drawdown
- Higher win rate vs category
Caveat: Higher volatility · Lower trailing returns
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
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%
- Shallower drawdown
- Higher trailing returns
Caveat: Higher volatility