{"id":243901,"date":"2026-09-11T13:00:04","date_gmt":"2026-09-11T07:30:04","guid":{"rendered":"https:\/\/univest.in\/blogs-2\/hdfc-retirement-fund-hybrid-debt-direct-growth-plan-review-2026\/"},"modified":"2026-09-11T13:00:04","modified_gmt":"2026-09-11T07:30:04","slug":"hdfc-retirement-fund-hybrid-debt-direct-growth-plan-review-2026","status":"publish","type":"post","link":"https:\/\/univest.in\/blogs-2\/hdfc-retirement-fund-hybrid-debt-direct-growth-plan-review-2026\/","title":{"rendered":"HDFC Retirement Fund-Hybrid-Debt Direct Growth Plan Review 2026: NAV, Returns, Portfolio &#038; Should You Invest?"},"content":{"rendered":"<p><a href=\"https:\/\/univest.in\/mutual-funds\/hdfc-retirement-fund-hybrid-debt-plan-g-direct-plan\">HDFC Retirement Fund-Hybrid-Debt Plan Direct Growth Plan<\/a> is at \u20b924.7622 as of 10 Sep 2026, with scheme AUM of \u20b9146 Cr. Its 1-year, 3-year and 5-year returns are 1.69%, 6.70% and 7.14% respectively, and the scheme sits in the Medium Risk category. Our view is that this is a steadier solution-oriented option rather than a fast-growth fund, and the return pattern fits an investor who values moderate participation in markets with a debt-leaning structure.<\/p>\n<p>The fund has not turned in strong short-term numbers, but its longer track record is more stable than the latest year suggests. The portfolio also leans heavily on government securities, cash equivalents and large listed names, which supports a more measured profile for investors who can stay invested through a 5-year lock-in.<\/p>\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_65 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title \" >Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/univest.in\/blogs-2\/hdfc-retirement-fund-hybrid-debt-direct-growth-plan-review-2026\/#Quick_facts\" title=\"Quick facts\">Quick facts<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/univest.in\/blogs-2\/hdfc-retirement-fund-hybrid-debt-direct-growth-plan-review-2026\/#Performance\" title=\"Performance\">Performance<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/univest.in\/blogs-2\/hdfc-retirement-fund-hybrid-debt-direct-growth-plan-review-2026\/#Should_you_BUY_or_HOLD_HDFC_Retirement_Fund-Hybrid-Debt_Plan\" title=\"Should you BUY or HOLD HDFC Retirement Fund-Hybrid-Debt Plan?\">Should you BUY or HOLD HDFC Retirement Fund-Hybrid-Debt Plan?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/univest.in\/blogs-2\/hdfc-retirement-fund-hybrid-debt-direct-growth-plan-review-2026\/#Peer_comparison\" title=\"Peer comparison\">Peer comparison<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/univest.in\/blogs-2\/hdfc-retirement-fund-hybrid-debt-direct-growth-plan-review-2026\/#Portfolio_where_your_money_goes\" title=\"Portfolio: where your money goes\">Portfolio: where your money goes<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/univest.in\/blogs-2\/hdfc-retirement-fund-hybrid-debt-direct-growth-plan-review-2026\/#Who_should_invest\" title=\"Who should invest\">Who should invest<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/univest.in\/blogs-2\/hdfc-retirement-fund-hybrid-debt-direct-growth-plan-review-2026\/#Tax_and_exit_load\" title=\"Tax and exit load\">Tax and exit load<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/univest.in\/blogs-2\/hdfc-retirement-fund-hybrid-debt-direct-growth-plan-review-2026\/#Frequently_asked_questions\" title=\"Frequently asked questions\">Frequently asked questions<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/univest.in\/blogs-2\/hdfc-retirement-fund-hybrid-debt-direct-growth-plan-review-2026\/#What_is_the_current_NAV_of_HDFC_Retirement_Fund-Hybrid-Debt_Plan_Direct_Growth_Plan\" title=\"What is the current NAV of HDFC Retirement Fund-Hybrid-Debt Plan Direct Growth Plan?\">What is the current NAV of HDFC Retirement Fund-Hybrid-Debt Plan Direct Growth Plan?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/univest.in\/blogs-2\/hdfc-retirement-fund-hybrid-debt-direct-growth-plan-review-2026\/#What_are_the_funds_1-year_3-year_and_5-year_returns\" title=\"What are the fund\u2019s 1-year, 3-year and 5-year returns?\">What are the fund\u2019s 1-year, 3-year and 5-year returns?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/univest.in\/blogs-2\/hdfc-retirement-fund-hybrid-debt-direct-growth-plan-review-2026\/#How_does_the_fund_compare_with_its_benchmark\" title=\"How does the fund compare with its benchmark?\">How does the fund compare with its benchmark?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/univest.in\/blogs-2\/hdfc-retirement-fund-hybrid-debt-direct-growth-plan-review-2026\/#How_does_it_compare_with_the_peer_funds_listed_here\" title=\"How does it compare with the peer funds listed here?\">How does it compare with the peer funds listed here?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/univest.in\/blogs-2\/hdfc-retirement-fund-hybrid-debt-direct-growth-plan-review-2026\/#Is_there_a_minimum_SIP_amount\" title=\"Is there a minimum SIP amount?\">Is there a minimum SIP amount?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-14\" href=\"https:\/\/univest.in\/blogs-2\/hdfc-retirement-fund-hybrid-debt-direct-growth-plan-review-2026\/#What_are_the_main_risk_and_portfolio_features\" title=\"What are the main risk and portfolio features?\">What are the main risk and portfolio features?<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-15\" href=\"https:\/\/univest.in\/blogs-2\/hdfc-retirement-fund-hybrid-debt-direct-growth-plan-review-2026\/#Explore_mutual_funds_with_Univest\" title=\"Explore mutual funds with Univest\">Explore mutual funds with Univest<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-16\" href=\"https:\/\/univest.in\/blogs-2\/hdfc-retirement-fund-hybrid-debt-direct-growth-plan-review-2026\/#RIA_disclosure\" title=\"RIA disclosure\">RIA disclosure<\/a><\/li><\/ul><\/nav><\/div>\n<h2 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"Quick_facts\"><\/span>Quick facts<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<table>\n<thead>\n<tr>\n<th>Particular<\/th>\n<th>Details<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>NAV<\/td>\n<td>\u20b924.7622 as of 10 Sep 2026<\/td>\n<\/tr>\n<tr>\n<td>AUM<\/td>\n<td>\u20b9146 Cr<\/td>\n<\/tr>\n<tr>\n<td>Expense Ratio<\/td>\n<td>1.06%<\/td>\n<\/tr>\n<tr>\n<td>Launch Date<\/td>\n<td>25 Feb 2016<\/td>\n<\/tr>\n<tr>\n<td>Min SIP<\/td>\n<td>\u20b9100<\/td>\n<\/tr>\n<tr>\n<td>Risk Category<\/td>\n<td>Medium Risk<\/td>\n<\/tr>\n<tr>\n<td>Benchmark<\/td>\n<td>Nifty 50<\/td>\n<\/tr>\n<tr>\n<td>Fund Category<\/td>\n<td>Solution Oriented<\/td>\n<\/tr>\n<tr>\n<td>Exit Load<\/td>\n<td>NIL &#8211; Upon completion of Lock-in Period<\/td>\n<\/tr>\n<tr>\n<td>Fund Managers<\/td>\n<td>Chirag Setalvad, Anupam Joshi, Nandita Menezes, Arun Agarwal<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>The fund is managed by Chirag Setalvad, Anupam Joshi, Nandita Menezes and Arun Agarwal.<\/p>\n<p class=\"mf-source-date\"><small>Source data date: as of 10 Sep 2026<\/small><\/p>\n<h2 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"Performance\"><\/span>Performance<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<table>\n<thead>\n<tr>\n<th>Period<\/th>\n<th>Fund return<\/th>\n<th>Benchmark return<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>1M<\/td>\n<td>-1.18%<\/td>\n<td>-4.06%<\/td>\n<\/tr>\n<tr>\n<td>3M<\/td>\n<td>1.34%<\/td>\n<td>1.37%<\/td>\n<\/tr>\n<tr>\n<td>1Y<\/td>\n<td>1.69%<\/td>\n<td>-7.31%<\/td>\n<\/tr>\n<tr>\n<td>3Y<\/td>\n<td>6.70%<\/td>\n<td>6.07%<\/td>\n<\/tr>\n<tr>\n<td>5Y<\/td>\n<td>7.14%<\/td>\n<td>5.91%<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>Recent performance has been mixed, but the fund has still held up better than the benchmark over the shorter stretches that matter most for sentiment. Over 1 month, the fund was negative, though the decline was smaller than the benchmark\u2019s drop. Over 3 months, it was positive and close to the benchmark, which tells us the scheme has been moving broadly in line with market direction rather than breaking away sharply from it.<\/p>\n<p>The 1-year picture is more important because it highlights the defensive side of the portfolio. The fund\u2019s 1.69% return is far above the benchmark\u2019s negative 7.31%, so it preserved capital better than the index over a difficult year. That said, this was not a strong absolute gain, so investors should not expect equity-like compounding from this structure.<\/p>\n<p>Longer term, the story improves. The 3-year return of 6.70% edges ahead of the benchmark, and the 5-year return of 7.14% also stays above the benchmark\u2019s 5.91%. That suggests the fund has delivered a modest but steadier compounding path over time. Our view is that the recent softness does not overturn the broader record, but it does show the fund is still sensitive to short-term swings even within a debt-leaning framework.<\/p>\n<p class=\"mf-source-date\"><small>Source data date: as of 10 Sep 2026<\/small><\/p>\n<section class=\"univest-mf-premium-cta\" style=\"margin:28px 0;padding:24px;border-radius:10px;border:1px solid #d8e3f0;background:#f7faff\">\n<h2 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"Should_you_BUY_or_HOLD_HDFC_Retirement_Fund-Hybrid-Debt_Plan\"><\/span>Should you BUY or HOLD HDFC Retirement Fund-Hybrid-Debt Plan?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>A fund&#8217;s past returns alone don&#8217;t tell you whether you should buy it today or continue holding it.<\/p>\n<p>The right decision depends on factors such as your current allocation, purchase price, risk profile, investment horizon and the role this fund plays in your overall portfolio.<\/p>\n<p><strong>Already holding HDFC Retirement Fund-Hybrid-Debt Plan? Thinking of investing now?<\/strong><\/p>\n<p><a href=\"https:\/\/univest.in\/mutual-funds\" style=\"font-weight:700;text-decoration:none\">Get your portfolio analysed for FREE by SEBI-registered Investment Adviser (RIA) through Univest MF Premium<\/a><\/p>\n<\/section>\n<h2 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"Peer_comparison\"><\/span>Peer comparison<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<table>\n<thead>\n<tr>\n<th>Fund<\/th>\n<th>1Y return<\/th>\n<th>3Y return<\/th>\n<th>5Y return<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td><a href=\"https:\/\/univest.in\/mutual-funds\/hdfc-retirement-fund-hybrid-debt-plan-g-direct-plan\">HDFC Retirement Fund-Hybrid-Debt Plan Direct Growth Plan<\/a><\/td>\n<td>1.69%<\/td>\n<td>6.70%<\/td>\n<td>7.14%<\/td>\n<\/tr>\n<tr>\n<td><a href=\"https:\/\/univest.in\/mutual-funds\/aditya-birla-sl-retirement-fund-30-g-direct-plan\">Aditya Birla SL Retirement Fund-30 Direct Growth Plan<\/a><\/td>\n<td>14.79%<\/td>\n<td>16.18%<\/td>\n<td>12.49%<\/td>\n<\/tr>\n<tr>\n<td><a href=\"https:\/\/univest.in\/mutual-funds\/tata-retirement-sav-fund-prog-plan-g-direct-plan\">Tata Retirement Sav Fund &#8211; Prog Plan Direct Growth Plan<\/a><\/td>\n<td>8.66%<\/td>\n<td>13.20%<\/td>\n<td>11.09%<\/td>\n<\/tr>\n<tr>\n<td><a href=\"https:\/\/univest.in\/mutual-funds\/icici-pru-retirement-fund-hybrid-aggressive-plan-g-direct-plan\">ICICI Pru Retirement Fund-Hybrid Aggressive Plan Direct Growth Plan<\/a><\/td>\n<td>8.65%<\/td>\n<td>17.37%<\/td>\n<td>15.41%<\/td>\n<\/tr>\n<tr>\n<td><a href=\"https:\/\/univest.in\/mutual-funds\/icici-pru-retirement-fund-pure-equity-plan-g-direct-plan\">ICICI Pru Retirement Fund-Pure Equity Plan Direct Growth Plan<\/a><\/td>\n<td>8.44%<\/td>\n<td>19.37%<\/td>\n<td>19.59%<\/td>\n<\/tr>\n<tr>\n<td><a href=\"https:\/\/univest.in\/mutual-funds\/tata-retirement-sav-fund-mod-plan-g-direct-plan\">Tata Retirement Sav Fund &#8211; Mod Plan Direct Growth Plan<\/a><\/td>\n<td>8.26%<\/td>\n<td>12.43%<\/td>\n<td>10.96%<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>This assessment is prepared by Uniapps Investment Adviser Pvt. Ltd. under SEBI Registered Investment Adviser registration INA000017639. The current fund has lagged the stronger peer return set over 1 year, while its 3-year and 5-year figures are also lower than the faster-compounding retirement funds in this group. Even so, its longer-term profile is still more stable than its latest year, which makes the comparison feel mixed: softer near term, more respectable over a full cycle, and less growth-oriented than the more aggressive retirement schemes.<\/p>\n<p class=\"mf-source-date\"><small>Source data date: as of 10 Sep 2026<\/small><\/p>\n<div class=\"univest-peer-login-cta\" style=\"margin:20px 0;padding:16px 18px;border:1px solid #d8e3f0;border-radius:8px;background:#f7faff\">\n<p style=\"margin:0\"><strong>Want to know more?<\/strong> <a href=\"https:\/\/univest.in\/user\/log-in\" style=\"font-weight:700;text-decoration:none\">Log in to Univest<\/a> for more mutual fund insights.<\/p>\n<\/div>\n<h2 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"Portfolio_where_your_money_goes\"><\/span>Portfolio: where your money goes<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<table>\n<thead>\n<tr>\n<th>Holding<\/th>\n<th>Sector<\/th>\n<th>Weight<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>TREPS &#8211; Tri-Party Repo<\/td>\n<td>Cash &amp; Cash Equivalents and Net Assets<\/td>\n<td>9.85%<\/td>\n<\/tr>\n<tr>\n<td>6.67% GOI Mat 171250<\/td>\n<td>Government Securities<\/td>\n<td>9.29%<\/td>\n<\/tr>\n<tr>\n<td>ICICI Bank Ltd.<\/td>\n<td>Bank<\/td>\n<td>8.47%<\/td>\n<\/tr>\n<tr>\n<td>Larsen and Toubro Ltd.<\/td>\n<td>Infrastructure<\/td>\n<td>7.79%<\/td>\n<\/tr>\n<tr>\n<td>8.35% Mahindra Rural Housing Finance Ltd^<\/td>\n<td>Corporate Debt<\/td>\n<td>6.90%<\/td>\n<\/tr>\n<tr>\n<td>6.48% GOI Mat 061035<\/td>\n<td>Government Securities<\/td>\n<td>6.64%<\/td>\n<\/tr>\n<tr>\n<td>6.19% GOI Mat 160934^<\/td>\n<td>Government Securities<\/td>\n<td>6.54%<\/td>\n<\/tr>\n<tr>\n<td>Reliance Industries Ltd.<\/td>\n<td>Crude Oil<\/td>\n<td>5.80%<\/td>\n<\/tr>\n<tr>\n<td>7.57% GOI Mat 170633^<\/td>\n<td>Government Securities<\/td>\n<td>5.34%<\/td>\n<\/tr>\n<tr>\n<td>8.97% GOI Mat 051230^<\/td>\n<td>Government Securities<\/td>\n<td>4.09%<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>The largest holding is TREPS &#8211; Tri-Party Repo at 9.85%, so the fund keeps a meaningful cash-like cushion at the top of the book. The tenth holding is still 4.09%, which means the portfolio does not drop off abruptly after the leaders; instead, the weights taper gradually across the top slice.<\/p>\n<p>The top 10 holdings account for approximately 70.71% of the portfolio, and that is useful context because the disclosed set includes 26 holdings in total. That points to a concentrated core, but not an excessively narrow one. Government securities appear repeatedly among the largest positions, which may help explain the steadier return profile, while bank, infrastructure, corporate debt and energy exposure add some diversification.<\/p>\n<p>Because the disclosed holdings extend beyond the top 10, the long tail may still matter, but the main return drivers are likely to come from the larger positions shown here. For investors, that means the scheme may behave more like a cautious blended retirement allocation than a high-volatility equity fund.<\/p>\n<p>To see all holdings, visit the <a href=\"https:\/\/univest.in\/mutual-funds\/hdfc-retirement-fund-hybrid-debt-plan-g-direct-plan\">HDFC Retirement Fund-Hybrid-Debt Plan Direct Growth Plan<\/a> page<\/p>\n<p class=\"mf-source-date\"><small>Source data date: as of 10 Sep 2026<\/small><\/p>\n<h2 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"Who_should_invest\"><\/span>Who should invest<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>This fund suits investors who can accept moderate risk and want a retirement-oriented allocation with a 5-year lock-in. The return pattern is not especially strong over 1 year, but the 3-year and 5-year numbers are more settled, and both sit ahead of the benchmark over those horizons. That makes it more appropriate for a patient investor than for someone looking for quick gains.<\/p>\n<p>The main trade-off is straightforward: you give up the possibility of sharper upside in exchange for a steadier profile that uses debt, government securities and a meaningful cash component at the top of the portfolio. Compared with higher-growth peers, the scheme looks less aggressive, but that also means the path has been more restrained. In our view, it fits investors who want a measured, solution-oriented fund and can stay invested long enough for the longer-term structure to matter.<\/p>\n<h2 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"Tax_and_exit_load\"><\/span>Tax and exit load<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<table>\n<thead>\n<tr>\n<th>Holding period<\/th>\n<th>Tax rate<\/th>\n<th>Description<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>Units held less than 1 year<\/td>\n<td>20%<\/td>\n<td>Short-term capital gains tax<\/td>\n<\/tr>\n<tr>\n<td>Units held more than 1 year<\/td>\n<td>12.5%<\/td>\n<td>Long-term capital gains tax<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>Exit load is nil upon completion of the lock-in period, and there is no exit load after the holding period.<\/p>\n<p class=\"mf-source-date\"><small>Source data date: as of 10 Sep 2026<\/small><\/p>\n<h2 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"Frequently_asked_questions\"><\/span>Frequently asked questions<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<h3 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"What_is_the_current_NAV_of_HDFC_Retirement_Fund-Hybrid-Debt_Plan_Direct_Growth_Plan\"><\/span>What is the current NAV of HDFC Retirement Fund-Hybrid-Debt Plan Direct Growth Plan?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>The current NAV is \u20b924.7622 as of 10 Sep 2026.<\/p>\n<h3 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"What_are_the_funds_1-year_3-year_and_5-year_returns\"><\/span>What are the fund\u2019s 1-year, 3-year and 5-year returns?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>The fund\u2019s returns are 1.69% over 1 year, 6.70% over 3 years and 7.14% over 5 years.<\/p>\n<h3 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"How_does_the_fund_compare_with_its_benchmark\"><\/span>How does the fund compare with its benchmark?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>It has beaten the benchmark over 1 year, 3 years and 5 years. The benchmark return is -7.31% for 1 year, 6.07% for 3 years and 5.91% for 5 years.<\/p>\n<h3 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"How_does_it_compare_with_the_peer_funds_listed_here\"><\/span>How does it compare with the peer funds listed here?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Its 1-year, 3-year and 5-year returns are below the stronger peer figures shown here, especially the retirement funds with higher equity exposure. The gap is clearest in the 3-year and 5-year periods.<\/p>\n<h3 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"Is_there_a_minimum_SIP_amount\"><\/span>Is there a minimum SIP amount?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>The minimum SIP amount is \u20b9100.<\/p>\n<h3 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"What_are_the_main_risk_and_portfolio_features\"><\/span>What are the main risk and portfolio features?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>The scheme is in the Medium Risk category and the portfolio is led by cash equivalents, government securities and other large positions. That mix supports a more measured profile, and the exit load is nil after the lock-in period.<\/p>\n<p class=\"univest-posted-at\" style=\"font-size:14px;color:#666;margin:20px 0 8px\">Published on 11 September 2026 at 12:58 PM IST<\/p>\n<section class=\"univest-login-cta\" style=\"margin:28px 0;padding:24px;border-radius:10px;background:#eef5ff;border:1px solid #cddff7;text-align:center\">\n<h2 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"Explore_mutual_funds_with_Univest\"><\/span>Explore mutual funds with Univest<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Review mutual fund data, compare performance and explore fund insights on Univest.<\/p>\n<p><a href=\"https:\/\/univest.in\/user\/log-in\" style=\"display:inline-block;padding:11px 20px;border-radius:6px;background:#1f4e79;color:#fff !important;text-decoration:none;font-weight:700\">Explore Univest<\/a><\/p>\n<\/section>\n<section class=\"univest-disclaimer\">\n<h2 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"RIA_disclosure\"><\/span>RIA disclosure<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Mutual fund investments are subject to market risks. Read all scheme-related documents carefully before investing. This review is prepared by Uniapps Investment Adviser Pvt. Ltd. (earlier known as Uniapps Global Research Pvt. Ltd.) under SEBI Registered Investment Adviser registration INA000017639 for general informational purposes and is not personalized investment advice.<\/p>\n<\/section>\n<p><script type=\"application\/ld+json\">{\"@context\":\"https:\/\/schema.org\",\"@type\":\"InvestmentFund\",\"name\":\"HDFC Retirement Fund-Hybrid-Debt Plan Direct Growth Plan\",\"identifier\":\"hdfc-retirement-fund-hybrid-debt-plan-g-direct-plan\",\"category\":\"Solution Oriented\",\"dateCreated\":\"25 Feb 2016\",\"isAccessibleForFree\":true,\"additionalProperty\":[{\"@type\":\"PropertyValue\",\"name\":\"NAV\",\"value\":24.7622,\"valueReference\":\"as of 10 Sep 2026\"},{\"@type\":\"PropertyValue\",\"name\":\"AUM\",\"value\":\"146 Cr\"},{\"@type\":\"PropertyValue\",\"name\":\"Expense Ratio\",\"value\":\"1.06\"},{\"@type\":\"PropertyValue\",\"name\":\"Benchmark\",\"value\":\"Nifty 50\"},{\"@type\":\"PropertyValue\",\"name\":\"1Y Return\",\"value\":1.69},{\"@type\":\"PropertyValue\",\"name\":\"3Y Return\",\"value\":6.7},{\"@type\":\"PropertyValue\",\"name\":\"5Y Return\",\"value\":7.14},{\"@type\":\"PropertyValue\",\"name\":\"Fund Managers\",\"value\":\"Chirag Setalvad, Anupam Joshi, Nandita Menezes, Arun Agarwal\"}]}<\/script><script type=\"application\/ld+json\">{\"@context\":\"https:\/\/schema.org\",\"@type\":\"FAQPage\",\"mainEntity\":[{\"@type\":\"Question\",\"name\":\"What is the current NAV of HDFC Retirement Fund-Hybrid-Debt Plan Direct Growth Plan?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"The current NAV is \u20b924.7622 as of 10 Sep 2026.\"}},{\"@type\":\"Question\",\"name\":\"What are the fund\u2019s 1-year, 3-year and 5-year returns?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"The fund\u2019s returns are 1.69% over 1 year, 6.70% over 3 years and 7.14% over 5 years.\"}},{\"@type\":\"Question\",\"name\":\"How does the fund compare with its benchmark?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"It has beaten the benchmark over 1 year, 3 years and 5 years. The benchmark return is -7.31% for 1 year, 6.07% for 3 years and 5.91% for 5 years.\"}},{\"@type\":\"Question\",\"name\":\"How does it compare with the peer funds listed here?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Its 1-year, 3-year and 5-year returns are below the stronger peer figures shown here, especially the retirement funds with higher equity exposure. The gap is clearest in the 3-year and 5-year periods.\"}},{\"@type\":\"Question\",\"name\":\"Is there a minimum SIP amount?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"The minimum SIP amount is \u20b9100.\"}},{\"@type\":\"Question\",\"name\":\"What are the main risk and portfolio features?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"The scheme is in the Medium Risk category and the portfolio is led by cash equivalents, government securities and other large positions. That mix supports a more measured profile, and the exit load is nil after the lock-in period.\"}}]}<\/script><script type=\"application\/ld+json\">{\"@context\":\"https:\/\/schema.org\",\"@type\":\"Organization\",\"name\":\"Uniapps Investment Adviser Pvt. Ltd.\",\"description\":\"SEBI Registered Investment Adviser INA000017639\"}<\/script><\/p>\n","protected":false},"excerpt":{"rendered":"<p>HDFC Retirement Fund-Hybrid-Debt Plan Direct Growth Plan has a \u20b924.7622 NAV as of 10 Sep 2026, \u20b9146 Cr AUM and 1.69%, 6.70% and 7.14% returns.<\/p>\n","protected":false},"author":38,"featured_media":243900,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[3841],"tags":[],"class_list":["post-243901","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-mutual-funds"],"metadata":{"rank_math_internal_links_processed":["1"],"_thumbnail_id":["243900"],"rank_math_title":["HDFC Retirement Fund-Hybrid-Debt Review 2026"],"rank_math_description":["HDFC Retirement Fund-Hybrid-Debt Plan Direct Growth Plan NAV is \u20b924.7622 as of 10 Sep 2026; 5Y return is 7.14%."],"rank_math_focus_keyword":["HDFC Retirement Fund-Hybrid-Debt Plan Direct Growth Plan review"],"rank_math_robots":["a:2:{i:0;s:7:\"noindex\";i:1;s:8:\"nofollow\";}"]},"jetpack_sharing_enabled":true,"jetpack_featured_media_url":"https:\/\/univest.in\/blogs-2\/wp-content\/uploads\/2026\/09\/HDFC_Retirement_Fund_Hybrid_Debt_Direct_Growth_Plan_Review_2026_NAV_Returns_Portfolio_Should_You_Invest_neutral.png","_links":{"self":[{"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/posts\/243901","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/users\/38"}],"replies":[{"embeddable":true,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/comments?post=243901"}],"version-history":[{"count":0,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/posts\/243901\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/media\/243900"}],"wp:attachment":[{"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/media?parent=243901"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/categories?post=243901"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/tags?post=243901"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}