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HDFC Retirement Savings Fund - Hybrid-Debt Plan - Regular Plan- Growth

  • Regular
  • Direct
Category : Retirement Fund
Fund House : HDFC Mutual Fund
Equity Holding : 37.94% | F&O Holdings : 0.00%| Foreign Equity Holdings : 0.00%| Total : 37.94%
No of Stocks : 37 (Category Avg - 53.59) | Large Cap Investments : 29.01%| Mid Cap Investments : 1.74% | Small Cap Investments : 3.38% | Other : 3.81%

Portfolio Summary (as on 30th Sep,2025)

Particulars This Scheme Category
No. of Stocks 37 57.56
Top 5 Stock Weight 23.67% 17.9%
Top 10 Stock Weight 28.4% 27.77%
Top 3 Sector Weight 20.53% 20.49%
Category - Retirement Fund
Particulars This Scheme Category
Average mcap (Cr) 130517.65 78714.39
Holdings in large cap stocks 29.01% 30.65%
Holdings in mid cap stocks 1.74% 8.76%
Holdings in small cap stocks 3.38% 9.59%
Category - Retirement Fund

Top 10 Stocks holding in Portfolio (as on 30th Sep,2025)

Stock Invested in Sector Value(Mn) % of Total Holdings 1M Change 1Y Highest Holding 1Y Lowest Holding Quantity 1M Change in Qty
Tata Consultancy Services Ltd. Computers - software & consulting 103.4 6.45% -0.08% 9.02% (Dec 2024) 6.32% (Jul 2025) 35.80 k 2.00 k
Larsen & Toubro Ltd. Civil construction 103.2 6.44% -0.04% 6.56% (Aug 2025) 4.33% (Nov 2024) 28.20 k -0.50 k
- Reliance Industries Ltd. Refineries & marketing 90.7 5.66% 0.00% 6.14% (Jun 2025) 3.76% (Dec 2024) 66.50 k 0.00
HDFC Bank Ltd. Private sector bank 41.7 2.60% -0.01% 2.72% (Jul 2025) 2.28% (Jan 2025) 43.80 k 0.00
ICICI Bank Ltd. Private sector bank 40.4 2.52% -0.11% 2.74% (Jul 2025) 2.34% (Feb 2025) 30.00 k 0.00
State Bank Of India Public sector bank 17 1.06% 0.08% 1.06% (Sep 2025) 0.87% (Feb 2025) 19.50 k 0.00
Maruti Suzuki India Ltd. Passenger cars & utility vehicles 16 1.00% 0.07% 1% (Sep 2025) 0.54% (Oct 2024) 1.00 k 0.00
Bharti Airtel Ltd. Telecom - cellular & fixed line services 15 0.94% -0.01% 1.09% (Feb 2025) 0.81% (Feb 2025) 8.00 k 0.00
Axis Bank Ltd. Private sector bank 14.7 0.92% 0.07% 0.97% (May 2025) 0.81% (Jan 2025) 13.00 k 0.00
Infosys Ltd. Computers - software & consulting 13 0.81% -0.02% 1.22% (Dec 2024) 0.8% (Apr 2025) 9.00 k 0.00
- indicates change in weight in the portfolio. # indicates a new entry.
View complete holding

Complete equity Portfolio (as on 30th Sep,2025)

Help me understand this table
Stock Invested in
 Sector
 Sector Total
 Value(Mn)
 % of Total Holdings
 1M Change
 1Y Highest Holding
 1Y Lowest Holding
 Quantity
 1M Change in Qty
 M-Cap
 GroupName
Tata Consultancy Services Ltd. Computers - software & consulting 7.26 103.4 6.45% -0.08% 9.02% (Dec 2024) 6.32% (Jul 2025) 35.80 k 2.00 k Large Cap 29.01
Larsen & Toubro Ltd. Civil construction 6.83 103.2 6.44% -0.04% 6.56% (Aug 2025) 4.33% (Nov 2024) 28.20 k -0.50 k Large Cap 29.01
- Reliance Industries Ltd. Refineries & marketing 5.94 90.7 5.66% 0.00% 6.14% (Jun 2025) 3.76% (Dec 2024) 66.50 k 0.00 Large Cap 29.01
HDFC Bank Ltd. Private sector bank 6.44 41.7 2.60% -0.01% 2.72% (Jul 2025) 2.28% (Jan 2025) 43.80 k 0.00 Other 3.81
ICICI Bank Ltd. Private sector bank 6.44 40.4 2.52% -0.11% 2.74% (Jul 2025) 2.34% (Feb 2025) 30.00 k 0.00 Large Cap 29.01
State Bank Of India Public sector bank 1.06 17 1.06% 0.08% 1.06% (Sep 2025) 0.87% (Feb 2025) 19.50 k 0.00 Large Cap 29.01
Maruti Suzuki India Ltd. Passenger cars & utility vehicles 1 16 1.00% 0.07% 1% (Sep 2025) 0.54% (Oct 2024) 1.00 k 0.00 Large Cap 29.01
Bharti Airtel Ltd. Telecom - cellular & fixed line services 0.94 15 0.94% -0.01% 1.09% (Feb 2025) 0.81% (Feb 2025) 8.00 k 0.00 Large Cap 29.01
Axis Bank Ltd. Private sector bank 6.44 14.7 0.92% 0.07% 0.97% (May 2025) 0.81% (Jan 2025) 13.00 k 0.00 Large Cap 29.01
Infosys Ltd. Computers - software & consulting 7.26 13 0.81% -0.02% 1.22% (Dec 2024) 0.8% (Apr 2025) 9.00 k 0.00 Large Cap 29.01
Transport Corporation Of India Ltd. Logistics solution provider 0.97 11.8 0.74% 0.03% 0.75% (Jul 2025) 0.58% (Feb 2025) 10.00 k 0.00 Small Cap 3.38
ICICI Lombard General Insurance Co Ltd. General insurance 0.71 11.3 0.71% 0.02% 0.75% (Jun 2025) 0.65% (Mar 2025) 6.00 k 0.00 Large Cap 29.01
ITC Limited Diversified fmcg 0.63 10 0.63% -0.14% 0.91% (Dec 2024) 0.63% (Sep 2025) 25.00 k -5.00 k Large Cap 29.01
SBI Life Insurance Co Ltd. Life insurance 0.56 9 0.56% -0.01% 0.57% (Sep 2025) 0.43% (Dec 2024) 5.00 k 0.00 Large Cap 29.01
Vesuvius India Ltd. Electrodes & refractories 0.48 7.7 0.48% 0.01% 0.55% (May 2025) 0.37% (Feb 2025) 15.00 k 0.00 Other 3.81
Lumax Industries Ltd. Auto components & equipments 0.47 7.6 0.47% 0.07% 0.47% (Sep 2025) 0.21% (Jan 2025) 1.50 k 0.00 Small Cap 3.38
Power Grid Corporation of India Ltd. Power - transmission 0.44 7 0.44% 0.01% 0.48% (Apr 2025) 0.26% (Feb 2025) 25.00 k 0.00 Large Cap 29.01
- Lupin Ltd. Pharmaceuticals 1.04 6.7 0.42% 0.00% 0.45% (Sep 2025) 0% (Oct 2024) 3.50 k 0.00 Large Cap 29.01
City Union Bank Ltd. Private sector bank 6.44 6.4 0.40% 0.03% 0.4% (Sep 2025) 0.29% (Mar 2025) 30.00 k 0.00 Mid Cap 1.74
DR. LAL PATHLABS Ltd. Healthcare service provider 0.39 6.2 0.39% -0.02% 0.42% (Aug 2025) 0% (Oct 2024) 2.00 k 0.00 Small Cap 3.38
Gujarat State Petronet Ltd. Gas transmission/marketing 0.39 6.2 0.39% 0.03% 0.48% (Oct 2024) 0.35% (Feb 2025) 20.00 k 0.00 Mid Cap 1.74
- Kalpataru Power Transmission Ltd. Civil construction 6.83 6.3 0.39% 0.00% 0.41% (Sep 2025) 0.28% (Mar 2025) 5.02 k 0.00 Small Cap 3.38
# Alkem Laboratories Ltd. Pharmaceuticals 1.04 5.4 0.34% 0.34% 0.34% (Sep 2025) 0% (Oct 2024) 1.00 k 1.00 k Mid Cap 1.74
Bayer Cropscience Ltd. Pesticides & agrochemicals 0.33 5.3 0.33% -0.03% 0.45% (Oct 2024) 0.31% (Feb 2025) 1.10 k 0.00 Mid Cap 1.74
Gujarat Pipavav Port Ltd. Port & port services 0.3 4.7 0.30% 0.02% 0.36% (Oct 2024) 0.24% (Feb 2025) 30.00 k 0.00 Small Cap 3.38
Alembic Pharmaceuticals Ltd. Pharmaceuticals 1.04 4.5 0.28% -0.01% 0.35% (Oct 2024) 0.24% (Feb 2025) 5.00 k 0.00 Mid Cap 1.74
Hindustan Petroleum Corporation Ltd. Refineries & marketing 5.94 4.4 0.28% 0.04% 0.38% (Dec 2024) 0.24% (Aug 2025) 10.00 k 0.00 Large Cap 29.01
Symphony Ltd. Consumer electronics 0.28 4.5 0.28% -0.01% 0.47% (Oct 2024) 0.28% (Sep 2025) 4.92 k 0.00 Small Cap 3.38
- Finolex Cables Ltd. Cables - electricals 0.26 4.1 0.26% 0.00% 0.39% (Dec 2024) 0.25% (Aug 2025) 5.00 k 0.00 Small Cap 3.38
Goodyear India Ltd. Tyres & rubber products 0.24 3.9 0.24% -0.01% 0.26% (Jul 2025) 0.2% (Mar 2025) 4.00 k 0.00 Small Cap 3.38
Gateway Rail Freight Ltd. Logistics solution provider 0.97 3.7 0.23% -0.01% 0.32% (Dec 2024) 0.22% (Apr 2025) 60.00 k 0.00 Other 3.81
Vardhman Textiles Ltd. Other textile products 0.22 3.5 0.22% -0.01% 0.28% (Dec 2024) 0.2% (Mar 2025) 8.50 k 0.00 Other 3.81
The Anup Engineering Ltd. Industrial products 0.19 3.1 0.19% 0.01% 0.46% (Dec 2024) 0.18% (Aug 2025) 1.30 k 0.00 Other 3.81
Voltamp Transformers Ltd. Heavy electrical equipment 0.18 2.9 0.18% -0.02% 0.5% (Oct 2024) 0.18% (Sep 2025) 400.00 0.00 Small Cap 3.38
United Spirits Ltd. Breweries & distilleries 0.17 2.7 0.17% 0.01% 0.41% (Dec 2024) 0.16% (Sep 2025) 2.00 k 0.00 Large Cap 29.01
PVR Inox Ltd. Film production, distribution & exhibition 0.13 2.2 0.13% -0.01% 0.19% (Oct 2024) 0.11% (Mar 2025) 2.00 k 0.00 Small Cap 3.38
Popular Vehicles and Services Ltd. Auto dealer 0.09 1.5 0.09% 0.02% 0.11% (Oct 2024) 0.06% (Mar 2025) 10.05 k 0.00 Other 3.81
- indicates change in weight in the portfolio. # indicates a new entry.

New Stocks added in Portfolio (in 1 month period ending 30th Sep,2025)

Stock Invested in Sector Value(Mn) % of Total Holdings 1M Change 1Y Highest Holding 1Y Lowest Holding Quantity 1M Change in Qty
# Alkem Laboratories Ltd. Pharmaceuticals 5.4 0.34% 0.34% 0.34% (Sep 2025) 0% (Oct 2024) 1.00 k 1000

Stocks removed from Portfolio (in 1 month period ending 30th Sep,2025)

Stock Invested in Sector Value(Mn) % of Total Holdings 1M Change 1Y Highest Holding 1Y Lowest Holding Quantity 1M Change in Qty
No complete exits in the portfolio in the last month.

Trend in stock holdings (Top 15 Holding)

Stock Sep 2025 Aug 2025 Jul 2025 Jun 2025 May 2025 Apr 2025 Mar 2025 Feb 2025 Jan 2025 Dec 2024 Nov 2024 Oct 2024 Sep 2024
Tata Consultancy Services Ltd. 6.45% 6.53% 6.32% 7.20% 7.02% 7.08% 7.48% 7.43% 8.55% 8.44% 8.72% 8.03% 8.62%
Larsen & Toubro Ltd. 6.44% 6.48% 6.43% 6.48% 6.48% 5.96% 6.31% 5.87% 4.43% 4.44% 4.55% 4.38% 4.44%
Reliance Industries Ltd. 5.66% 5.66% 5.70% 6.14% 5.81% 5.81% 5.34% 3.84% 3.95% 3.76% 3.96% 4.05% 1.09%
HDFC Bank Ltd. 2.60% 2.61% 2.72% 2.70% 2.62% 2.62% 2.52% 2.45% 2.34% 2.43% 2.44% 2.33% 2.32%
ICICI Bank Ltd. 2.52% 2.63% 2.74% 2.67% 2.67% 2.66% 2.55% 2.34% 2.37% 2.40% 2.42% 2.38% 2.34%
State Bank Of India 1.06% 0.98% 0.96% 0.98% 0.97% 0.96% 0.95% 0.87% 0.95% 0.97% 1.01% 0.98% 0.94%
Infosys Ltd. 0.81% 0.83% 0.84% 0.89% 0.86% 0.84% 0.89% 0.98% 1.07% 1.17% 1.15% 1.08% 1.15%
Bharti Airtel Ltd. 0.94% 0.95% 0.94% 0.99% 0.91% 0.93% 0.87% 0.81% 1.02% 0.99% 1.01% 0.99% 1.05%
Axis Bank Ltd. 0.92% 0.85% 0.86% 0.96% 0.95% 0.96% 0.90% 0.85% 0.81% 0.86% 0.92% 0.92% 0.98%
ITC Limited 0.63% 0.77% 0.76% 0.77% 0.77% 0.79% 0.77% 0.77% 0.85% 0.91% 0.89% 0.90% 0.95%
Maruti Suzuki India Ltd. 1.00% 0.93% 0.78% 0.76% 0.76% 0.76% 0.73% 0.77% 0.62% 0.54% 0.55% 0.54% 0.65%
ICICI Lombard General Insurance Co Ltd. 0.71% 0.69% 0.71% 0.75% 0.69% 0.70% 0.68% 0.66% 0.70% 0.67% 0.69% 0.71% 0.80%
Transport Corporation Of India Ltd. 0.74% 0.71% 0.72% 0.70% 0.69% 0.65% 0.69% 0.58% 0.67% 0.72% 0.66% 0.66% 0.66%
SBI Life Insurance Co Ltd. 0.56% 0.57% 0.57% 0.57% 0.56% 0.55% 0.49% 0.46% 0.47% 0.43% 0.45% 0.50% 0.56%
Vesuvius India Ltd. 0.48% 0.47% 0.48% 0.51% 0.55% 0.43% 0.43% 0.39% 0.40% 0.43% 0.50% 0.49% 0.51%
No of Debt Holding 10 (Category Avg - 8.55) | Modified Duration 4.32 Years (Category Avg - 5.49)| Yield to Maturity 6.74% (Category Avg - 6.70%)

Portfolio Summary (as on 30th Sep,2025)

Security Type % Weight Category Average
GOI 27.05% 23.75%
T-Bills 0.00% 0.00%
NCD & Bonds 18.98% 9.04%
PTC 0.00% 0.34%
Category - Retirement Fund
Security Type % Weight Category Average
Government Backed 27.05% 23.76%
Low Risk 18.98% 9.39%
Moderate Risk 0.00% 0.00%
High Risk 0.00% 0.00%
Very High Risk 0.00% 0.00%
Others 0.00% 0.00%
Category - Retirement Fund

Debt holding in Portfolio (as on 30th Sep,2025)

Instrument
Type
Sector
Rating
Rating Agency
Value (Mn)
% of Total Holding
Quantity
Bond - Govt of India GOI Other 141.51 8.83% 15.00 L
Bond - Mahindra Rural Housing Finance Ltd. NCD & Bonds Housing finance company AA+ FITCH 102.66 6.41% 100.00
Bond - TMF Holdings Ltd. NCD & Bonds Non banking financial company (nbfc) AA+ CRISIL 99.94 6.24% 100.00
Bond - Govt of India GOI Other 96.82 6.04% 10.00 L
Bond - Govt of India GOI Other 79.11 4.94% 7.50 L
Bond - Govt of India GOI Other 61.44 3.83% 5.50 L
Bond - Govt of India GOI Other 52.97 3.31% 5.00 L
Bond - Indian Railway Finance Corporation Ltd. NCD & Bonds Financial institution AAA CRISIL 52.25 3.26% 50.00
Bond - HDFC Bank Ltd. NCD & Bonds Private sector bank AAA CRISIL 49.11 3.07% 50.00
Bond - Govt of India GOI Other 1.59 0.10% 15.00 k
Name Type of Instrument Weight (%)
TREPS TREPS 12.54%
Net Receivables Net Receivables 3.49%

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