Franklin India Retirement Fund vs HDFC Retirement Fund - Hybrid-Equity Plan
Franklin India Retirement Fund and HDFC Retirement Fund - Hybrid-Equity Plan are both Retirement Funds. As of 4 Nov 2026 (Direct plan, Growth option): 3-year CAGR +7.66% vs +7.81%, 5-year CAGR +6.83% vs +8.95%, volatility 5.97% vs 10.61%, maximum drawdown −13.81% vs −27.50%. Their portfolios overlap by 15.6% (16 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
| Franklin India Retirement | HDFC Retirement Fund - Hybrid-Equity Plan | |
|---|---|---|
| Fund house | Franklin Templeton Mutual Fund | HDFC Mutual Fund |
| Compared as | Retirement Funds | Retirement Funds |
| NAV | ₹239.5262 | ₹42.0910 |
| NAV date | 4 Nov 2026 | 4 Nov 2026 |
| Launched (first NAV) | 1 Jan 2013 | 26 Feb 2016 |
| Track record | 13.8 yrs | 10.7 yrs |
| Fund size (AUM) | ₹479 Cr | ₹13,290 Cr |
| Securities held | 63 | 73 |
| Portfolio as of | 30 Sep 2026 | 30 Sep 2026 |
| Fund page | Full record → | Full record → |
Returns
| Franklin India Retirement | HDFC Retirement Fund - Hybrid-Equity Plan | |
|---|---|---|
| 1 month | +1.00% | +2.83% |
| 3 months | −1.56% | −3.23% |
| 6 months | +0.20% | −1.51% |
| 1 year | −1.61% | −5.78% |
| 3 years (CAGR) | +7.66% | +7.81% |
| 5 years (CAGR) | +6.83% | +8.95% |
| 7 years (CAGR) | +8.12% | +12.87% |
| 10 years (CAGR) | +7.80% | +12.34% |
| Since launch (CAGR) | +9.49% | +14.39% |
| SIP return (XIRR, 5 years) ⓘ | +6.36% | +7.08% |
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
| Franklin India Retirement | HDFC Retirement Fund - Hybrid-Equity Plan | |
|---|---|---|
| 2026 (year to date) | −1.65% | −6.69% |
| 2025 | +5.10% | +6.58% |
| 2024 | +13.46% | +15.35% |
| 2023 | +14.93% | +26.44% |
| 2022 | +4.34% | +6.09% |
| 2021 | +10.57% | +26.22% |
Risk
| Franklin India Retirement | HDFC Retirement Fund - Hybrid-Equity Plan | |
|---|---|---|
| Volatility (annualised) ⓘ | 5.97% | 10.61% |
| Downside volatility ⓘ | 4.44% | 8.10% |
| Sharpe ratio ⓘ | 0.20 | 0.12 |
| Sortino ratio ⓘ | 0.26 | 0.16 |
| Maximum drawdown ⓘ | −13.81% | −27.50% |
| Recovery from that fall | 7 months | 7 months |
| Current fall from peak | −2.23% | −7.23% |
| Rolling 1-year return: worst | −5.75% | −22.21% |
| Rolling 1-year return: median | +9.00% | +10.53% |
| Rolling 1-year return: best | +41.23% | +69.88% |
| Share of 1-year periods with a loss | 4.62% | 11.93% |
Against each fund's benchmark
| Franklin India Retirement | HDFC Retirement Fund - Hybrid-Equity Plan | |
|---|---|---|
| Beta ⓘ | 0.39 | 0.71 |
| Alpha (Jensen's, annualised) ⓘ | −0.31% | −0.75% |
| R² ⓘ | 89.75 | 94.33 |
| Upside capture | 51.64% | 76.60% |
| Downside capture | 34.88% | 72.38% |
| Tracking error | 9.22% | 4.98% |
| Information ratio | -0.13 | -0.22 |
| Treynor ratio | 2.06 | 1.19 |
Portfolio
Asset mix
| Franklin India Retirement | HDFC Retirement Fund - Hybrid-Equity Plan | |
|---|---|---|
| Debt | 56.87% | 0.00% |
| Equity | 35.12% | 93.31% |
| Cash & equivalents | 7.40% | 5.16% |
| Mutual Fund Units | 0.64% | 0.00% |
| ETF Units | 0.00% | 0.93% |
| REITs / InvITs | 0.00% | 0.60% |
Market-cap split (share of fund assets)
| Franklin India Retirement | HDFC Retirement Fund - Hybrid-Equity Plan | |
|---|---|---|
| Large Cap | 20.89% | 62.59% |
| Mid Cap | 6.19% | 9.87% |
| Small Cap | 7.48% | 20.28% |
| Unclassified | 0.54% | 0.57% |
Concentration
| Franklin India Retirement | HDFC Retirement Fund - Hybrid-Equity Plan | |
|---|---|---|
| Top 10 holdings | 51.88% | 40.63% |
| Effective number of stocks ⓘ | 29.1 | 38.9 |
| Securities held | 63 | 73 |
Portfolio overlap: 15.6%
16 companies are held by both funds; by weight, 15.6% of the two portfolios is the same. That is a low overlap: the two portfolios are largely different.
| Held by both | Franklin India Retirement | HDFC Retirement Fund - Hybrid-Equity Plan |
|---|---|---|
| Axis Bank Limited | 1.71% | 4.43% |
| State Bank of India | 1.60% | 2.89% |
| ICICI Bank Limited | 1.60% | 7.36% |
| HDFC Bank Limited | 1.48% | 6.93% |
| Eternal Limited | 1.34% | 1.44% |
| Bharti Airtel Limited | 1.28% | 2.64% |
| Larsen & Toubro Limited | 1.18% | 2.26% |
| Infosys Limited | 1.17% | 2.24% |
| Reliance Industries Limited | 0.87% | 4.64% |
| Cipla Limited | 0.76% | 0.76% |
| Tata Steel Ltd. | 0.65% | 0.97% |
| InterGlobe Aviation Limited | 0.52% | 1.88% |
| Hyundai Motor India Ltd. | 0.51% | 0.92% |
| ICICI Lombard General Insurance Company Limited | 0.46% | 1.68% |
| PB Fintech Limited | 0.40% | 0.36% |
Top 10 holdings
Franklin India Retirement
- 7.48% National Bank For Agriculture and Rural Development (15/09/2028)9.37%
- 0.00% Jubilant Bevco Ltd (31-May-2028)6.26%
- 7.68% Small Industries Development Bank Of India (10-Aug-2027)5.42%
- 7.90% Bajaj Housing Finance Ltd (28-Apr-2028)5.37%
- 7.70% Poonawalla Fincorp Ltd (21-Apr-2028)5.35%
- LIC Housing Finance Ltd.5.33%
- 7.03% National Bank for Financing Infrastructure and Development (08/04/2030)5.25%
- 0.00% Jubilant Beverages Ltd (31-May-2028)4.17%
- Canara Bank (30/11/2026)3.10%
- Bharti Telecom Ltd.2.27%
HDFC Retirement Fund - Hybrid-Equity Plan
- ICICI Bank Limited7.36%
- HDFC Bank Limited6.93%
- Reliance Industries Limited4.64%
- Axis Bank Limited4.43%
- Kotak Mahindra Bank Limited4.39%
- State Bank of India2.89%
- Maruti Suzuki India Limited2.85%
- Bharti Airtel Limited2.64%
- Larsen & Toubro Limited2.26%
- Infosys Limited2.24%
Sector exposure
| Franklin India Retirement | HDFC Retirement Fund - Hybrid-Equity Plan | |
|---|---|---|
| CRISIL AAA | 41.19% | 0.00% |
| Banks | 7.11% | 26.41% |
| CRISIL AA | 10.43% | 0.00% |
| IT - Software | 1.17% | 6.76% |
| Automobiles | 2.32% | 6.36% |
| Transport Services | 0.52% | 5.81% |
| Petroleum Products | 0.87% | 5.54% |
| Insurance | 0.46% | 4.70% |
| Pharmaceuticals & Biotechnology | 1.93% | 4.57% |
| Construction | 1.18% | 3.25% |
| CRISIL A1+ | 3.10% | 0.00% |
| Healthcare Services | 1.37% | 3.01% |
| Power | 0.75% | 2.97% |
| Consumer Durables | 1.91% | 2.77% |
Questions people ask
What is the difference between Franklin India Retirement and HDFC Retirement Fund - Hybrid-Equity Plan returns?
As of 4 Nov 2026, Direct plan Growth option: 1-year return −1.61% vs −5.78%; 3-year CAGR +7.66% vs +7.81%; 5-year CAGR +6.83% vs +8.95%; 10-year CAGR +7.80% vs +12.34%. Past returns do not indicate future returns.
How do Franklin India Retirement and HDFC Retirement Fund - Hybrid-Equity Plan compare on risk?
Volatility (36 monthly returns, annualised) 5.97% vs 10.61%; Sharpe ratio 0.20 vs 0.12; Sortino ratio 0.26 vs 0.16; maximum drawdown −13.81% vs −27.50%; beta 0.39 vs 0.71.
How much do Franklin India Retirement and HDFC Retirement Fund - Hybrid-Equity Plan overlap?
By weight, 15.6% of the two portfolios is invested in the same companies; 16 stocks are held by both, the largest shared positions being Axis Bank Limited, State Bank of India, ICICI Bank Limited. Based on the portfolios disclosed for Sep 2026 and Sep 2026.
What is the large, mid and small cap split of Franklin India Retirement and HDFC Retirement Fund - Hybrid-Equity Plan?
Franklin India Retirement: large cap 20.9%, mid cap 6.2%, small cap 7.5%. HDFC Retirement Fund - Hybrid-Equity Plan: large cap 62.6%, mid cap 9.9%, small cap 20.3% (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.