Retirement FundHDFC Asset Management Company Limited

HDFC Retirement Fund - Hybrid-Debt Plan - Growth Option - Direct Plan

Benchmark: NIFTY 50 Hybrid Composite Debt 15:85 Index · Riskometer: Moderately High

₹24.8876

NAV (2026-08-31)

₹146.341 Cr

AUM (2026-08-31)

1.35%

EXPENSE RATIO (DIRECT)

2016-02-05

INCEPTION

DQuality · 43.8/100

CSafety · 54.3/100

CCompound · 53.4/100

Punji Fund Health Score - percentile-within-category. See methodology.

CHART

Rolling CAGR by holding period - min, median, max

Each group is one holding-period length. Full range of outcomes across every overlapping window in the fund's history, not one trailing number.

Min rolling CAGRMedian rolling CAGRMax rolling CAGR

Category RankRisk MetricsHoldingsSimilar FundsPunji Analytics

Metric	Value	Percentile	Category median
3Y Rolling CAGR	9.4%	26.92^th	12.8%
3Y Sharpe Ratio	0.08	14.81^th	0.43
3Y Alpha	-0.7%	22.22^th	0.3%
3Y Std Deviation	3.5%	92.59^th (lower is better)	9.5%

0.0766

0.1077

-0.6609

0.9086

3.528

-4.029

90.6707

90.57

0.9973

Tracking Error (%)

1.7771

Calmar Ratio

3-year window vs. NIFTY 50 Hybrid Composite Debt 15:85 Index.

CHART

Top sector holdings

Share of portfolio (% to NAV) in each of the top sectors.

Other 59.75%Banks 13.45%Construction 7.75%Petroleum Products 6.13%IT - Software 1.9%Insurance 1.29%Pharmaceuticals & Biotechnology 1.15%Telecom - Services 1.06%Automobiles 1.03%Industrial Products 0.96%Transport Services 0.86%Auto Components 0.84%Power 0.58%Healthcare Services 0.51%Diversified FMCG 0.47%Entertainment 0.38%Gas 0.33%Fertilizers & Agrochemicals 0.31%Transport Infrastructure 0.3%Electrical Equipment 0.27%Cement & Cement Products 0.25%Consumer Durables 0.23%Beverages 0.2%

TOP HOLDINGS

TREPS - Tri-party Repo ()10.3%

6.67% GOI MAT 171250 ()9.27%

ICICI Bank Ltd. (Banks)8.25%

Larsen and Toubro Ltd. (Construction)7.49%

Mahindra Rural Housing Finance Ltd^ ()6.85%

6.48% GOI MAT 061035 ()6.59%

6.19% GOI MAT 160934 ()6.51%

Reliance Industries Ltd. (Petroleum Products)5.87%

7.57% GOI MAT 170633^ ()5.3%

8.97% GOI MAT 051230^ ()4.06%

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