HDFC Retirement Savings Fund Equity Plan Direct-Growth

Q: What are the returns of HDFC Retirement Savings Fund - Equity Plan?

The HDFC Retirement Savings Fund - Equity Plan is a 9 yrs 5 m old fund and has delivered average annual returns of 20.47% since inception. HDFC Retirement Savings Fund - Equity Plan Returns 1-Year 3-Year 5-Year Since Inception 3.86% 22.32% 27.29% 20.47%

NAV as of Jul 21, 2025	Returns since inception	ET Money Rank	AUM (Fund size)
₹57.707+0.31% 1 day change	20.47% p.a.	#NA View Ranked Funds	₹6,474 Cr

Historical NAV & returns

NAV: ₹57.707 as on Jul 21, 2025

This fund Category average

HDFC Retirement Savings Fund - Equity Plan overview

Expense ratio	0.74% as on May 31, 2025
Exit load	0% Exit load of 1% if units are redeemed before completion of 60 years of age.!
AUM (Fund size)	₹6,474 Cr
Lock-in Period	5 Years
Age	9 yrs 5 m since Feb 05, 2016
Benchmark	NIFTY 500 TRI
Min. investment	SIP: ₹300 & Lumpsum: ₹5000
Risk	Very High
Short term capital gains (STCG)	Returns taxed at 20% if you redeem before 1 year
Long term capital gains (LTCG)	After 1 year, returns above ₹1.25 lakh in a financial year are taxed at 12.5%

HDFC Retirement Savings Fund - Equity Plan Returns calculator

Investment type

Monthly investment

₹ 10,000

Investment period

Lumpsum investment

₹1 lakh

Investment period

Disclaimer: Products compared like fixed deposits may provide fixed guaranteed returns. Mutual Funds investments are subject to market risk, read all scheme related documents carefully. Past performance is not an indicator of future returns.

Total investment ₹ 12 lakh
Profit ₹12 lakhs
Total corpus ₹1 lakh
Absolute return 52.69%

Trailing returns as on Jul 22, 2025

Period	This fund	Category average
1 Month	-0.45%	0.01%
3 Months	4.72%	7.85%
6 Months	8.31%	10.46%
1 Year	3.86%	5.3%
2 Years	18.92%	20.44%
3 Years	22.32%	21.24%
4 Years	18.28%	17.64%
5 Years	27.29%	23.42%
7 Years	18.93%	15.35%

View returns in detail

Asset allocationas on May 31, 2025

Large Cap 60.94%

Mid Cap 9.09%

Small Cap 18.88%

Other Cap 0%

Top holdings

HDFC Bank Ltd.9.01%

ICICI Bank Ltd.7.15%

Axis Bank Ltd.4.42%

Reliance Industries Ltd.4.39%

Top sectors

Financial 28.860000000000003%

Energy 8.33%

Automobile 7.530000000000001%

Services 6.68%

Credit quality

Bifurcation by Credit Quality is not available for this fund

Top Debt Holdings

Bifurcation by Holding is not available for this fund

Allocation by Instruments

Repo 10.06%

Real Estate Investment Trusts 0.77%

Net Current Assets 0.25%

Rights 0.02%

Other Holdings

Embassy Office Parks REIT 0.77%

Others 0.25%

Detailed portfolio analysis

Peer comparison

Fund name	ETM Rank	AUM	Fund age	Expense ratio
HDFC Retirement Savings Fund - Equity Plan	N.A.	6,474 Cr	9 yrs 5 m	0.74%
ICICI Prudential Retirement Fund - Pure Equity Plan	N.A.	1,129 Cr	6 yrs 5 m	0.74%
Tata Retirement Savings Progressive	N.A.	2,083 Cr	12 yrs 6 m	0.54%
Nippon India Retirement Fund - Wealth Creation Scheme	N.A.	3,119 Cr	10 yrs 6 m	0.98%
Aditya Birla Sun Life Retirement Fund - The 30s Plan	N.A.	380 Cr	6 yrs 5 m	1.16%

Fund name	1M	6M	1Y	3Y	5Y	10Y
HDFC Retirement Savings Fund - Equity Plan	-0.45%	8.31%	3.86%	22.32%	27.29%	N.A.
ICICI Prudential Retirement Fund - Pure Equity Plan	0.85%	17.06%	13.26%	27.81%	30.26%	13.86%
Tata Retirement Savings Progressive	-1.24%	8.1%	4.98%	20.17%	19.51%	14.89%
Nippon India Retirement Fund - Wealth Creation Scheme	0.43%	8.2%	1.37%	21.23%	22.69%	11.99%
Aditya Birla Sun Life Retirement Fund - The 30s Plan	0.63%	13.08%	7.78%	18.32%	17.33%	8.31%

Fund name	Std. deviation	Beta	Sharpe	Sortino
HDFC Retirement Savings Fund - Equity Plan	11.5	0.8	1.49	2.18
ICICI Prudential Retirement Fund - Pure Equity Plan	14.52	0.96	1.46	2.07
Tata Retirement Savings Progressive	13.45	0.89	1.16	1.47
Nippon India Retirement Fund - Wealth Creation Scheme	13.93	0.97	1.18	1.64
Aditya Birla Sun Life Retirement Fund - The 30s Plan	14.03	0.95	0.98	1.47

View all Retirement Solutions funds

Key risk & return ratios Compared to other funds in the category

Alpha	5.62 vs. 4.76 Higher outperformance against benchmark
Sharpe	1.49 vs. 7.29 Poor risk-adjusted returns
Beta	0.8 vs. 1.02 Less sensitive to market ups & downs
Standard deviation	11.5 vs. 11.46 More volatile performance

Compare HDFC Retirement Savings Fund - Equity Plan in detail with

About this fund

About HDFC Retirement Savings Fund - Equity Plan

HDFC Retirement Savings Fund Equity Plan Direct-Growth is a Retirement Solutions mutual fund scheme from Hdfc Mutual Fund. This fund has been in existence for 9 yrs 5 m, having been launched on 05/02/2016. HDFC Retirement Savings Fund Equity Plan Direct-Growth has ₹6,474 Crores worth of assets under management (AUM) as on 31/05/2025 and is medium-sized fund of its category. The latest Net Asset Value (NAV) of HDFC Retirement Savings Fund Equity Plan Direct-Growth as of 21/07/2025 is ₹57.71. The fund has an expense ratio of 0.74%, which is less than what most other Retirement Solutions funds charge.

HDFC Retirement Savings Fund Equity Plan Direct-Growth returns of last 1-year are 4.22%. Since launch, it has delivered 20.48% average annual returns. The fund has doubled the money invested in it every 4 yrs.
HDFC Retirement Savings Fund Equity Plan Direct-Growth scheme's ability to deliver returns consistently is in-line with most funds of its category. Its ability to control losses in a falling market is high.
The fund has the majority of its money invested in Financial, Energy, Automobile, Services, Technology sectors. It has taken less exposure in Financial, Energy sectors compared to other funds in the category.
The fund's top 5 holdings are in HDFC Bank Ltd., ICICI Bank Ltd., Axis Bank Ltd., Reliance Industries Ltd., Bharti Airtel Ltd..

...

Fund AUM	6,474 Cr as on May 31, 2025
Scheme document	View Scheme Document

Fund managers

Shobhit Mehrotra

He is an MBA from Clemson University, USA. Prior to joining HDFC AMC he has worked with Franklin Templeton AMC, and ICRA.

Amar Kalkundrikar

Mr. Kalkundrikar has done B.Com, CA, CFA, and MBA from Columbia Business School. Prior to joining Nippon India Mutual Fund, he has worked with HDFC Asset Management Company Limited where he has handled multiple roles in Investment – Equity function such as Portfolio Management for PMS business, & performing Equity research in various sectors such as Consumer Staples, Consumer Discretionary, Retail, Construction Materials.

Srinivasan Ramamurthy

Mr. Ramamurthy is an engineer by qualification from Jadavpur University and has done his MBA from IIM - Calcutta. Prior to joining HDFC Asset Management Company Limited, he has worked with Mahindra Mutual Fund, IDBI Federal Life Insurance, IIFL Capital Limited, Maybank Kim Eng, Credit Suisse and KPMG Advisory.

Investment objective

The Scheme seeks to provide long-term capital appreciation / income by investing in a mix of equity and debt instruments to help investors meet their retirement goals.

HDFC Mutual Fund details

No. of schemes	75 view all schemes
Total AUM	8,37,348 Cr as on Jun 30, 2025
Address	"HDFC House", 2nd Floor, H. T. Parekh Marg, 165-166, Backbay Reclamation, Churchgate Mumbai, 400020
Email	shareholders.relations@hdfcfund.com
Phone	022 ? 66316333

More funds from HDFC Mutual Fund

Fund name	ETM Rank	AUM	1Y	5Y
HDFC Infrastructure Fund	N.A.	2,540 Cr	0.77%	36.19%
HDFC Small Cap Fund	N.A.	34,032 Cr	7.26%	35.31%
HDFC Mid Cap Fund	N.A.	79,718 Cr	8.35%	33.1%
HDFC Focused Fund	N.A.	19,578 Cr	9.67%	29.52%
HDFC Flexi Cap Fund	N.A.	75,784 Cr	8.43%	29.34%
HDFC Large and Mid Cap Fund	N.A.	25,412 Cr	4.3%	28.51%

See all Equity funds from this AMC

Frequently asked questions

What is the current NAV of HDFC Retirement Savings Fund - Equity Plan?

The current Net Asset Value (NAV) of the HDFC Retirement Savings Fund - Equity Plan - Direct Growth plan is approximately ₹57.707 as of Jul 21, 2025.

What are the returns of this mutual fund scheme?

The HDFC Retirement Savings Fund - Equity Plan is a 9 yrs 5 m old fund and has delivered average annual returns of 20.47% since inception.

HDFC Retirement Savings Fund - Equity Plan Returns

1-Year	3-Year	5-Year	Since Inception
3.86%	22.32%	27.29%	20.47%

How much does this mutual fund charge as expense ratio?

The HDFC Retirement Savings Fund - Equity Plan - Direct Growth has an expense ratio of 0.74%, which reflects the fund's management and operating costs. This percentage is subtracted from the fund's annual returns, impacting net returns for investors.

What is the AUM or fund size of this mutual fund?

The HDFC Retirement Savings Fund - Equity Plan currently has assets under management (AUM) or fund size valued at approximately 6,474 Cr as on May 31, 2025.

What are the top stock holdings of HDFC Retirement Savings Fund - Equity Plan?

The HDFC Retirement Savings Fund - Equity Plan has invested the majority of its money in the stocks of the following companies -

Company	Percentage of Portfolio
HDFC Bank Ltd.	9.01%
ICICI Bank Ltd.	7.15%
Axis Bank Ltd.	4.42%
Reliance Industries Ltd.	4.39%
Bharti Airtel Ltd.	3.15%
Maruti Suzuki India Ltd.	2.57%
Kotak Mahindra Bank Ltd.	2.56%
State Bank of India	2.51%
Infosys Ltd.	2.41%
HCL Technologies Ltd.	2.15%

What are the top sectors HDFC Retirement Savings Fund - Equity Plan has invested in?

The HDFC Retirement Savings Fund - Equity Plan has primarily invested in the following sectors

Sector	Percentage of Portfolio
Financial	28.860000000000003%
Energy	8.33%
Automobile	7.530000000000001%
Services	6.68%
Technology	6.5%
Healthcare	5.420000000000001%
Consumer Staples	4.99%
Capital Goods	4.699999999999999%
Insurance	3.2%
Communication	3.15%

What is risk level of HDFC Retirement Savings Fund - Equity Plan?

This is a Retirement Solutions fund comes with Very High risk.

Is there any lock-in period in this mutual fund?

Yes, this fund comes with a mandatory lock-in period of 5 years.

How do I invest in HDFC Retirement Savings Fund - Equity Plan?

It is very fast, easy, and completely paperless in this mutual fund scheme on ET Money. It is just a matter of a few minutes. Here's how:

For the Desktop Version:

Click on the "Invest Now" button at the top right, then scan the QR code to download the app.

For the Mobile Version:

Click on the "Invest on App" button at the bottom to download the app.
Once the app is downloaded:
Sign-up and complete your one time KYC process, or log in if you're already registered.
Search for HDFC Retirement Savings Fund - Equity Plan and choose the investment mode (Lump sum investment or a SIP). Then, enter your investment amount.
Fill in additional required details, including the bank account you'll use for payment, and confirm.

All set! Your investment in HDFC Retirement Savings Fund - Equity Plan is complete.

How can I redeem my investments in HDFC Retirement Savings Fund - Equity Plan?

Redeeming your investments in HDFC Retirement Savings Fund - Equity Plan is super easy. If you have invested in this fund via ET Money, just login into the app, go to the investment section and put the redemption request.

If you have invested in HDFC Retirement Savings Fund - Equity Plan from anywhere else, you can go to the fund house website and put a request through it.

ET Money rank

in Retirement Solutions

#NA

Return Consistency: This fund is one of the best in generating consistent return in it's category.
Volatility Protection: This fund is one of the best in protecting against volatility in it's category.
Chance: This fund has generated a 16.67% annual return in 70% of times for investors holding for at least 5 years.
Return/Risk: For every unit of risk this fund takes, it produces 20% more returns.
Age: This is the 3rd oldest Retirement Solutions fund.
Expense Ratio: This fund has the 2nd lowest expense ratio amongst actively/passively managed Retirement Solutions funds.
Exit Load: This fund has no exit load.