HDFC Retirement Fund - Hybrid-Debt Plan vs UTI Retirement Fund
HDFC Retirement Fund - Hybrid-Debt Plan and UTI Retirement Fund are both Retirement Funds. As of 5 Nov 2026 (Direct plan, Growth option): 3-year CAGR +7.14% vs +9.21%, 5-year CAGR +7.12% vs +8.59%, volatility 4.46% vs 6.82%, maximum drawdown −7.84% vs −18.93%. Their portfolios overlap by 12.7% (9 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
| HDFC Retirement Fund - Hybrid-Debt Plan | UTI Retirement | |
|---|---|---|
| Fund house | HDFC Mutual Fund | UTI Mutual Fund |
| Compared as | Retirement Funds | Retirement Funds |
| NAV | ₹24.9571 | ₹54.9877 |
| NAV date | 5 Nov 2026 | 5 Nov 2026 |
| Launched (first NAV) | 26 Feb 2016 | 2 Jan 2013 |
| Track record | 10.7 yrs | 13.8 yrs |
| Fund size (AUM) | ₹143 Cr | — |
| Securities held | 49 | 122 |
| Portfolio as of | 30 Sep 2026 | 30 Sep 2026 |
| Fund page | Full record → | Full record → |
Returns
| HDFC Retirement Fund - Hybrid-Debt Plan | UTI Retirement | |
|---|---|---|
| 1 month | +1.77% | +2.10% |
| 3 months | −0.37% | −1.02% |
| 6 months | +1.15% | +1.21% |
| 1 year | +0.97% | +1.08% |
| 3 years (CAGR) | +7.14% | +9.21% |
| 5 years (CAGR) | +7.12% | +8.59% |
| 7 years (CAGR) | +8.18% | +11.11% |
| 10 years (CAGR) | +8.17% | +9.14% |
| Since launch (CAGR) | +8.91% | +8.31% |
| SIP return (XIRR, 5 years) ⓘ | +6.43% | +8.07% |
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
| HDFC Retirement Fund - Hybrid-Debt Plan | UTI Retirement | |
|---|---|---|
| 2026 (year to date) | +0.25% | −0.23% |
| 2025 | +6.35% | +6.70% |
| 2024 | +11.11% | +15.22% |
| 2023 | +12.43% | +17.44% |
| 2022 | +5.00% | +6.03% |
| 2021 | +10.04% | +19.32% |
Risk
| HDFC Retirement Fund - Hybrid-Debt Plan | UTI Retirement | |
|---|---|---|
| Volatility (annualised) ⓘ | 4.46% | 6.82% |
| Downside volatility ⓘ | 3.41% | 4.93% |
| Sharpe ratio ⓘ | 0.15 | 0.40 |
| Sortino ratio ⓘ | 0.19 | 0.55 |
| Maximum drawdown ⓘ | −7.84% | −18.93% |
| Recovery from that fall | 4 months | 5 months |
| Current fall from peak | −0.53% | −1.14% |
| Rolling 1-year return: worst | −1.68% | −17.67% |
| Rolling 1-year return: median | +8.69% | +8.84% |
| Rolling 1-year return: best | +19.64% | +40.78% |
| Share of 1-year periods with a loss | 0.98% | 13.89% |
Against each fund's benchmark
| HDFC Retirement Fund - Hybrid-Debt Plan | UTI Retirement | |
|---|---|---|
| Beta ⓘ | — | 0.45 |
| Alpha (Jensen's, annualised) ⓘ | — | +0.66% |
| R² ⓘ | — | 93.37 |
| Upside capture | — | 59.35% |
| Downside capture | — | 39.79% |
| Tracking error | — | 8.37% |
| Information ratio | — | 0.00 |
| Treynor ratio | — | 4.38 |
Portfolio
Asset mix
| HDFC Retirement Fund - Hybrid-Debt Plan | UTI Retirement | |
|---|---|---|
| Debt | 46.47% | 47.01% |
| Equity | 41.97% | 36.68% |
| Cash & equivalents | 11.56% | 14.41% |
| REITs / InvITs | 0.00% | 1.25% |
| ETF Units | 0.00% | 0.59% |
Market-cap split (share of fund assets)
| HDFC Retirement Fund - Hybrid-Debt Plan | UTI Retirement | |
|---|---|---|
| Large Cap | 29.60% | 24.33% |
| Mid Cap | 2.93% | 6.06% |
| Small Cap | 9.39% | 6.17% |
| Unclassified | 0.05% | 0.12% |
Concentration
| HDFC Retirement Fund - Hybrid-Debt Plan | UTI Retirement | |
|---|---|---|
| Top 10 holdings | 63.66% | 28.13% |
| Effective number of stocks ⓘ | 21.6 | 72.4 |
| Securities held | 49 | 122 |
Portfolio overlap: 12.7%
9 companies are held by both funds; by weight, 12.7% of the two portfolios is the same. That is a low overlap: the two portfolios are largely different.
| Held by both | HDFC Retirement Fund - Hybrid-Debt Plan | UTI Retirement |
|---|---|---|
| ICICI Bank Limited | 7.90% | 2.96% |
| HDFC Bank Limited | 2.18% | 3.19% |
| Reliance Industries Limited | 5.53% | 2.12% |
| Larsen & Toubro Limited | 7.43% | 1.53% |
| State Bank of India | 1.31% | 1.33% |
| Bharti Airtel Limited | 0.99% | 0.93% |
| Infosys Limited | 0.70% | 1.96% |
| Power Grid Corporation of India Limited | 0.55% | 1.08% |
| ITC Limited | 0.46% | 1.33% |
Top 10 holdings
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%
UTI Retirement
- 7.18% Government of India (24/07/2037)6.20%
- HDFC Bank Limited3.19%
- 7.32% Government of India3.11%
- 7.24% Government of India (18/08/2055)3.11%
- ICICI Bank Limited2.96%
- Reliance Industries Limited2.12%
- Export Import Bank of India (12/03/2027)2.12%
- Infosys Limited1.96%
- MF UNITS UTI - FLOATER FUND1.75%
- NCD POWER FINANCE CORPORATION LTD.1.61%
Sector exposure
| HDFC Retirement Fund - Hybrid-Debt Plan | UTI Retirement | |
|---|---|---|
| Sovereign | 35.87% | 16.20% |
| Banks | 13.14% | 8.09% |
| CRISIL AAA | 3.56% | 8.11% |
| Construction | 7.72% | 1.91% |
| SOV | 0.00% | 7.08% |
| CRISIL - AAA | 7.04% | 0.54% |
| Petroleum Products | 5.78% | 2.12% |
| CRISIL-AAA | 0.00% | 4.87% |
| CRISIL A1+ | 0.00% | 4.25% |
| IT - Software | 1.00% | 3.13% |
| Pharmaceuticals & Biotechnology | 0.79% | 2.62% |
| - | 0.00% | 2.34% |
| Retailing | 1.93% | 0.56% |
| Auto Components | 1.86% | 0.00% |
Questions people ask
What is the difference between HDFC Retirement Fund - Hybrid-Debt Plan and UTI Retirement returns?
As of 5 Nov 2026, Direct plan Growth option: 1-year return +0.97% vs +1.08%; 3-year CAGR +7.14% vs +9.21%; 5-year CAGR +7.12% vs +8.59%; 10-year CAGR +8.17% vs +9.14%. Past returns do not indicate future returns.
How do HDFC Retirement Fund - Hybrid-Debt Plan and UTI Retirement compare on risk?
Volatility (36 monthly returns, annualised) 4.46% vs 6.82%; Sharpe ratio 0.15 vs 0.40; Sortino ratio 0.19 vs 0.55; maximum drawdown −7.84% vs −18.93%; beta — vs 0.45.
How much do HDFC Retirement Fund - Hybrid-Debt Plan and UTI Retirement overlap?
By weight, 12.7% of the two portfolios is invested in the same companies; 9 stocks are held by both, the largest shared positions being ICICI Bank Limited, HDFC Bank Limited, Reliance Industries Limited. Based on the portfolios disclosed for Sep 2026 and Sep 2026.
What is the large, mid and small cap split of HDFC Retirement Fund - Hybrid-Debt Plan and UTI Retirement?
HDFC Retirement Fund - Hybrid-Debt Plan: large cap 29.6%, mid cap 2.9%, small cap 9.4%. UTI Retirement: large cap 24.3%, mid cap 6.1%, small cap 6.2% (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 5 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.