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HDFC Retirement Savings Fund Equity Plan Direct-Growth
| NAV as of Oct 20, 2025 | Returns since inception | ET Money Rank | AUM (Fund size) |
|---|---|---|---|
| ₹58.737+0.57% 1 day change | 20.12% | App exclusive   | ₹6,693 Cr |
Historical NAV & returns
NAV: ₹58.737 as on Oct 20, 2025
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HDFC Retirement Savings Fund - Equity Plan overview
| Expense ratio | 0.72% as on Sep 30, 2025 |
| Exit load | 0% |
| AUM (Fund size) | ₹6,693 Cr |
| Lock-in Period | 5 Years |
| Age | 9 yrs 8 m since Feb 05, 2016 |
| Benchmark | NIFTY 500 TRI |
| Min. investment | SIP: ₹500 & 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
- Total investment ₹ 12 lakh
- Profit ₹12 lakhs
- Total corpus ₹1 lakh
- Absolute return 52.69%
Trailing returns as on Oct 25, 2025
| Period | This fund | Category average |
|---|---|---|
| 1 Month | 2.58% | 2.67% |
| 3 Months | 2.91% | 3.16% |
| 6 Months | 7.75% | 10.86% |
| 1 Year | 5.83% | 7.16% |
| 2 Years | 20.23% | 21.29% |
| 3 Years | 20.6% | 19.41% |
| 4 Years | 16.72% | 15.14% |
| 5 Years | 25.93% | 22.42% |
| 7 Years | 20.41% | 17.2% |
Asset allocationas on Sep 30, 2025
Large Cap 65.51%
Mid Cap 6.89%
Small Cap 19.83%
Other Cap 0%
Top holdings
Top sectors
Financial 27.44%
Automobile 8.24%
Technology 8.13%
Energy 8.079999999999998%
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 6.97%
Real Estate Investment Trusts 0.82%
Other Holdings
Others 6.97%
Embassy Office Parks REIT 0.82%
Key risk & return ratios Compared to other funds in the category
About this fund
More funds from HDFC Mutual Fund
Frequently asked questions
ET Money rank
App exclusive
#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 17.08% 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 3rd lowest expense ratio amongst actively/passively managed Retirement Solutions funds.
- Exit Load: This fund has no exit load.