Retirement FundHDFC Asset Management Company Limited

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

Benchmark: NIFTY 50 Hybrid Composite Debt 65:35 Index TRI · Riskometer: Very High

₹42.804

NAV (2026-08-31)

₹1,603.733 Cr

AUM (2026-08-31)

1.1%

EXPENSE RATIO (DIRECT)

2016-02-05

INCEPTION

BQuality · 72.3/100

CSafety · 59.4/100

BCompound · 68.1/100

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	15.8%	80.77^th	12.8%
3Y Sharpe Ratio	0.17	22.22^th	0.43
3Y Alpha	0.4%	55.56^th	0.3%
3Y Std Deviation	9.5%	51.85^th (lower is better)	9.5%

0.1749

0.2452

0.3634

0.7154

9.4595

-12.2899

74.3183

68.1879

4.7482

Tracking Error (%)

0.6952

Calmar Ratio

3-year window vs. NIFTY 50 Hybrid Composite Debt 65:35 Index TRI.

CHART

Top sector holdings

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

Other 25.24%Banks 22.66%IT - Software 6.83%Pharmaceuticals & Biotechnology 4.98%Petroleum Products 4.21%Insurance 3.88%Auto Components 3.76%Automobiles 3.63%Industrial Products 2.58%Power 2.49%Telecom - Services 2.42%Construction 2.4%Transport Services 1.85%Consumer Durables 1.84%Healthcare Services 1.52%Diversified FMCG 1.21%Finance 0.98%Realty 0.94%Beverages 0.84%Ferrous Metals 0.81%Personal Products 0.66%Entertainment 0.62%Electrical Equipment 0.61%Cement & Cement Products 0.56%Agricultural, Commercial & Construction Vehicles 0.47%Gas 0.46%Capital Markets 0.44%Industrial Manufacturing 0.4%Fertilizers & Agrochemicals 0.39%Paper, Forest & Jute Products 0.32%

TOP HOLDINGS

TREPS - Tri-party Repo ()7.74%

ICICI Bank Ltd. (Banks)6.16%

HDFC Bank Ltd.£ (Banks)5.51%

Bajaj Finance Ltd.^ ()4.3%

Reliance Industries Ltd. (Petroleum Products)3.61%

State Bank of India (Banks)3.15%

Kotak Mahindra Bank Limited (Banks)3.11%

Axis Bank Ltd. (Banks)3.02%

Maruti Suzuki India Limited (Automobiles)2.62%

Bharti Airtel Ltd. (Telecom - Services)2.42%

Funds that behave most similarly (beta, capture ratios, volatility - not holdings overlap). Pick up to 2 to compare alongside this fund: