BANDHAN RETIREMENT FUND vs HDFC Retirement Fund - Hybrid-Debt Plan
BANDHAN RETIREMENT FUND and HDFC Retirement Fund - Hybrid-Debt Plan are both Retirement Funds. As of 4 Nov 2026 (Direct plan, Growth option): 3-year CAGR +9.89% vs +6.87%, 5-year CAGR — vs +6.96%, volatility 9.13% vs 4.38%, maximum drawdown −9.77% vs −7.84%. Their portfolios overlap by 20.8% (11 stocks held by both).
Showing the Direct plan, Growth option. Portfolio, sector and market-cap figures are the same for every plan and option of a fund.
Key facts
| BANDHAN RETIREMENT | HDFC Retirement Fund - Hybrid-Debt Plan | |
|---|---|---|
| Fund house | Bandhan Mutual Fund | HDFC Mutual Fund |
| Compared as | Retirement Funds | Retirement Funds |
| NAV | ₹13.1890 | ₹24.7678 |
| NAV date | 4 Nov 2026 | 4 Nov 2026 |
| Launched (first NAV) | 19 Oct 2023 | 26 Feb 2016 |
| Track record | 3.0 yrs | 10.7 yrs |
| Fund size (AUM) | ₹174 Cr | ₹143 Cr |
| Securities held | 51 | 49 |
| Portfolio as of | 30 Sep 2026 | 30 Sep 2026 |
| Fund page | Full record → | Full record → |
Returns
| BANDHAN RETIREMENT | HDFC Retirement Fund - Hybrid-Debt Plan | |
|---|---|---|
| 1 month | +3.74% | +1.27% |
| 3 months | −1.62% | −1.14% |
| 6 months | +0.86% | +0.51% |
| 1 year | −0.29% | +0.21% |
| 3 years (CAGR) | +9.89% | +6.87% |
| 5 years (CAGR) | — | +6.96% |
| 7 years (CAGR) | — | +8.04% |
| 10 years (CAGR) | — | +8.04% |
| Since launch (CAGR) | +9.54% | +8.83% |
| SIP return (XIRR, 5 years) ⓘ | — | +6.13% |
Up to one year: absolute return. Beyond one year: CAGR. Computed from each fund's own NAV history (AMFI), measured to the latest NAV.
Calendar-year returns
| BANDHAN RETIREMENT | HDFC Retirement Fund - Hybrid-Debt Plan | |
|---|---|---|
| 2026 (year to date) | −1.35% | −0.51% |
| 2025 | +8.38% | +6.35% |
| 2024 | +14.67% | +11.11% |
| 2023 | — | +12.43% |
| 2022 | — | +5.00% |
| 2021 | — | +10.04% |
Risk
| BANDHAN RETIREMENT | HDFC Retirement Fund - Hybrid-Debt Plan | |
|---|---|---|
| Volatility (annualised) ⓘ | 9.13% | 4.38% |
| Downside volatility ⓘ | 6.66% | 3.41% |
| Sharpe ratio ⓘ | 0.37 | 0.09 |
| Sortino ratio ⓘ | 0.51 | 0.11 |
| Maximum drawdown ⓘ | −9.77% | −7.84% |
| Recovery from that fall | — | 4 months |
| Current fall from peak | −2.11% | −1.28% |
| Rolling 1-year return: worst | −4.64% | −1.68% |
| Rolling 1-year return: median | +6.14% | +8.69% |
| Rolling 1-year return: best | +25.81% | +19.64% |
| Share of 1-year periods with a loss | 8.01% | 0.98% |
Against each fund's benchmark
| BANDHAN RETIREMENT | HDFC Retirement Fund - Hybrid-Debt Plan | |
|---|---|---|
| Beta ⓘ | 0.61 | — |
| Alpha (Jensen's, annualised) ⓘ | +1.02% | — |
| R² ⓘ | 94.09 | — |
| Upside capture | 72.35% | — |
| Downside capture | 55.49% | — |
| Tracking error | 6.22% | — |
| Information ratio | 0.11 | — |
| Treynor ratio | 4.29 | — |
Portfolio
Asset mix
| BANDHAN RETIREMENT | HDFC Retirement Fund - Hybrid-Debt Plan | |
|---|---|---|
| Equity | 74.12% | 41.97% |
| Debt | 22.01% | 46.47% |
| Cash & equivalents | 3.87% | 11.56% |
Market-cap split (share of fund assets)
| BANDHAN RETIREMENT | HDFC Retirement Fund - Hybrid-Debt Plan | |
|---|---|---|
| Large Cap | 58.47% | 29.60% |
| Mid Cap | 10.84% | 2.93% |
| Small Cap | 4.81% | 9.39% |
| Unclassified | 0.00% | 0.05% |
Concentration
| BANDHAN RETIREMENT | HDFC Retirement Fund - Hybrid-Debt Plan | |
|---|---|---|
| Top 10 holdings | 60.53% | 63.66% |
| Effective number of stocks ⓘ | 14 | 21.6 |
| Securities held | 51 | 49 |
Portfolio overlap: 20.8%
11 companies are held by both funds; by weight, 20.8% of the two portfolios is the same. That is a low overlap: the two portfolios are largely different.
| Held by both | BANDHAN RETIREMENT | HDFC Retirement Fund - Hybrid-Debt Plan |
|---|---|---|
| ICICI Bank Limited | 5.61% | 7.90% |
| Reliance Industries Limited | 6.56% | 5.53% |
| Larsen & Toubro Limited | 2.26% | 7.43% |
| HDFC Bank Limited | 6.50% | 2.18% |
| Axis Bank Limited | 2.67% | 1.12% |
| Bharti Airtel Limited | 3.35% | 0.99% |
| Maruti Suzuki India Limited | 2.67% | 0.84% |
| Infosys Limited | 3.13% | 0.70% |
| United Spirits Limited | 0.78% | 0.66% |
| ITC Limited | 2.00% | 0.46% |
| Lupin Limited | 0.73% | 0.43% |
Top 10 holdings
BANDHAN RETIREMENT
- 7.3% GOI (MD 19/06/2053)22.01%
- Reliance Industries Limited6.56%
- HDFC Bank Limited6.50%
- ICICI Bank Limited5.61%
- Kotak Mahindra Bank Limited4.37%
- Titan Company Limited3.66%
- Bharti Airtel Limited3.35%
- Infosys Limited3.13%
- Axis Bank Limited2.67%
- Maruti Suzuki India Limited2.67%
HDFC Retirement Fund - Hybrid-Debt Plan
- 6.67% GOI MAT 1712509.37%
- ICICI Bank Limited7.90%
- Larsen & Toubro Limited7.43%
- Mahindra Rural Housing Finance Ltd7.04%
- 6.48% Government of India (06/10/2035)6.70%
- 6.19% Government of India (16/09/2034)6.60%
- Reliance Industries Limited5.53%
- 7.57% Government of India (17/06/2033)5.38%
- 8.97% GOI MAT 0512304.14%
- 7.5% GOI MAT 1008343.57%
Sector exposure
| BANDHAN RETIREMENT | HDFC Retirement Fund - Hybrid-Debt Plan | |
|---|---|---|
| Sovereign | 22.01% | 35.87% |
| Banks | 19.15% | 13.14% |
| Construction | 2.26% | 7.72% |
| CRISIL - AAA | 0.00% | 7.04% |
| Petroleum Products | 6.56% | 5.78% |
| IT - Software | 5.91% | 1.00% |
| Consumer Durables | 4.57% | 0.00% |
| Finance | 4.44% | 0.00% |
| Automobiles | 4.26% | 0.84% |
| CRISIL AAA | 0.00% | 3.56% |
| Telecom - Services | 3.35% | 0.99% |
| Retailing | 2.73% | 1.93% |
| Electrical Equipment | 2.60% | 0.29% |
| Insurance | 2.51% | 0.59% |
Questions people ask
What is the difference between BANDHAN RETIREMENT and HDFC Retirement Fund - Hybrid-Debt Plan returns?
As of 4 Nov 2026, Direct plan Growth option: 1-year return −0.29% vs +0.21%; 3-year CAGR +9.89% vs +6.87%; 5-year CAGR — vs +6.96%; 10-year CAGR — vs +8.04%. Past returns do not indicate future returns.
How do BANDHAN RETIREMENT and HDFC Retirement Fund - Hybrid-Debt Plan compare on risk?
Volatility (36 monthly returns, annualised) 9.13% vs 4.38%; Sharpe ratio 0.37 vs 0.09; Sortino ratio 0.51 vs 0.11; maximum drawdown −9.77% vs −7.84%; beta 0.61 vs —.
How much do BANDHAN RETIREMENT and HDFC Retirement Fund - Hybrid-Debt Plan overlap?
By weight, 20.8% of the two portfolios is invested in the same companies; 11 stocks are held by both, the largest shared positions being ICICI Bank Limited, Reliance Industries Limited, Larsen & Toubro Limited. Based on the portfolios disclosed for Sep 2026 and Sep 2026.
What is the large, mid and small cap split of BANDHAN RETIREMENT and HDFC Retirement Fund - Hybrid-Debt Plan?
BANDHAN RETIREMENT: large cap 58.5%, mid cap 10.8%, small cap 4.8%. HDFC Retirement Fund - Hybrid-Debt Plan: large cap 29.6%, mid cap 2.9%, small cap 9.4% (share of the fund's assets, from its latest disclosed portfolio).
Is this a recommendation to choose one of these funds?
No. This page places the published figures of both funds side by side. It does not rank, rate or recommend either fund; which one suits an investor depends on their goals, horizon and risk tolerance.
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Sources: NAV from AMFI; returns, risk and ratios computed by MF Analyser from each fund's NAV history (risk on 36 monthly returns, risk-free rate 6.5%); benchmark ratios against each fund's benchmark total-return index; portfolios from each fund house's monthly disclosure. Returns and ratios as of 4 Nov 2026. IDCW options show no return or risk figures because payouts reduce the NAV and AMFI's file carries no payout history to add back. This page compares published figures only — it does not rank, rate or recommend either fund. Past performance does not indicate future returns; mutual fund investments are subject to market risks.