About HDFC Retirement Fund - Hybrid-Debt Plan
HDFC Retirement Fund - Hybrid-Debt Plan is a retirement fund managed by HDFC Mutual Fund. Solution-oriented funds for retirement, with a lock-in of 5 years or until retirement age, whichever is earlier.
The investment objective of the Scheme is to provide long-term capital appreciation / income by investing in a mix of equity and debt instruments to help investors meet their retirement goals. There is no assurance that the investment objective of the Scheme will be realized.
The scheme's stated objective, as published by HDFC Mutual Fund.
The NAV (net asset value) is the price of one unit of the fund. It is published by the fund house every business day and changes with the value of the fund's holdings. The Growth option reinvests all gains, so its NAV reflects the fund's total return.
Tax on your gains
How gains are taxed depends on what the scheme holds — equity, debt, gold or units of other funds each follow different rules. The scheme document states which applies.
Work out what you would owe with the capital gains tax calculator.
Every plan and option, with scheme codes
| Plan | Option | NAV | Scheme code |
|---|---|---|---|
| Direct | Growth Option | ₹25.0374 | 136465 |
| Regular | Growth Option | ₹21.8911 | 136466 |
Frequently asked questions
What is the NAV of HDFC Retirement Fund - Hybrid-Debt Plan today?
The NAV of HDFC Retirement Fund - Hybrid-Debt Plan (Direct plan, Growth) is ₹25.0374 and the Regular plan NAV is ₹21.8911, as of 13 Nov 2026.
What returns has HDFC Retirement Fund - Hybrid-Debt Plan given?
Over the last year the Direct plan returned 1%, and 6.97% a year over 3 years and 7.08% a year over 5 years. That places it 24 of 27 funds in its category over 3 years. Past returns do not guarantee future returns.
What is the expense ratio of HDFC Retirement Fund - Hybrid-Debt Plan?
The Direct plan charges 1.35% a year, as disclosed on 30 Sept 2026. The fee is already taken out of the NAV, so the returns above are what you keep.
What is the minimum SIP amount in HDFC Retirement Fund - Hybrid-Debt Plan?
You can start a monthly SIP with ₹100, or invest a lump sum of ₹100 or more.
How much has HDFC Retirement Fund - Hybrid-Debt Plan fallen in the past?
Its deepest fall was 7.8% from 14 Feb 2020 to 23 Mar 2020. Of every one-year stretch in its history, 99% ended in a gain.
Which category does HDFC Retirement Fund - Hybrid-Debt Plan belong to?
It is a Retirement Fund from HDFC Mutual Fund. Solution-oriented funds for retirement, with a lock-in of 5 years or until retirement age, whichever is earlier.
What is the difference between the Direct and Regular plan?
Both invest in the same portfolio. The Direct plan is bought straight from the fund house or a direct platform and has a lower expense ratio because no distributor commission is paid, so its NAV grows slightly faster over time.
How are gains from HDFC Retirement Fund - Hybrid-Debt Plan taxed?
How gains are taxed depends on what the scheme holds — equity, debt, gold or units of other funds each follow different rules. The scheme document states which applies.
Source: NAVs published by the fund house through AMFI. Mutual fund investments are subject to market risks; read all scheme-related documents carefully. Past performance does not guarantee future returns. This page is for information only and is not a recommendation to buy or sell.