HDFC Retirement Savings Fund - Equity Plan

Q: What are the returns of this mutual fund scheme?

The HDFC Retirement Savings Fund - Equity Plan is a 9 yrs 11 m old fund and has delivered average annual returns of 17.61% since inception. HDFC Retirement Savings Fund - Equity Plan Returns 1-Year 3-Year 5-Year Since Inception 6.32% 16.81% 18.29% 17.61%

NAV as of Feb 02, 2026	Returns since inception	ET Money Rank	AUM (Fund size)
₹50.18-0.5% 1 day change	17.61% p.a.	App exclusive #NA View Ranked Funds	₹7,086 Cr

Historical NAV & returns

NAV: ₹50.18 as on Feb 02, 2026

This fund Category average

HDFC Retirement Savings Fund - Equity Plan overview

AUM (Fund size)	₹7,086 Cr
Exit load	0%
Lock-in Period	5 Years
Age	9 yrs 11 m since Feb 05, 2016
Benchmark	NIFTY 500 TRI
Min. investment	SIP: ₹500 & Lumpsum: ₹1000
Expense ratio	1.76% as on Feb 02, 2026
Plan type	Regular
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 Feb 03, 2026

Period	This fund	Category average
1 Month	-3.71%	-4.46%
3 Months	-3.19%	-4.71%
6 Months	0.38%	-1.43%
1 Year	6.32%	5.89%
2 Years	8.17%	6.88%
3 Years	16.81%	14.85%
4 Years	14.38%	11.12%
5 Years	18.29%	13.05%
7 Years	17.53%	13.46%

View returns in detail

Asset allocationas on Dec 31, 2025

Large Cap 60.21%

Mid Cap 11.46%

Small Cap 19.77%

Other Cap 0%

Top holdings

HDFC Bank Ltd.8.39%

ICICI Bank Ltd.6.06%

Reliance Industries Ltd.4.43%

Axis Bank Ltd.4.3%

Top sectors

Financial 27.099999999999998%

Technology 8.98%

Energy 8.25%

Automobile 8.1%

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 8.25%

Real Estate Investment Trusts 0.56%

Other Holdings

Others 8.25%

Embassy Office Parks REIT 0.56%

Detailed portfolio analysis

Peer comparison

Fund name	1M	6M	1Y	3Y	5Y	10Y
HDFC Retirement Savings Fund - Equity Plan	-3.71%	0.38%	6.32%	16.81%	18.29%	N.A.
ICICI Prudential Retirement Fund - Pure Equity Plan	-4.44%	1.73%	13.99%	24.42%	20.7%	12.64%
Tata Retirement Savings Progressive	-4.71%	-3.88%	1.14%	15.01%	11.11%	13.53%
Nippon India Retirement Fund - Wealth Creation Scheme	-3.8%	-1.6%	5.45%	17.12%	14.65%	11.86%
Aditya Birla Sun Life Retirement Fund - The 30s Plan	-4.91%	1.04%	11.75%	15.21%	10.4%	7.13%

Fund name	Std. deviation	Beta	Sharpe	Sortino
HDFC Retirement Savings Fund - Equity Plan	10.98	0.84	0.97	1.41
ICICI Prudential Retirement Fund - Pure Equity Plan	14.51	1.08	1.17	1.71
Tata Retirement Savings Progressive	13.21	0.96	0.72	0.94
Nippon India Retirement Fund - Wealth Creation Scheme	12.7	0.96	0.86	1.2
Aditya Birla Sun Life Retirement Fund - The 30s Plan	12.91	0.95	0.74	1.08

Fund name	ETM Rank	AUM	Fund age	Expense ratio
HDFC Retirement Savings Fund - Equity Plan	N.A.	7,086 Cr	9 yrs 11 m	1.76%
ICICI Prudential Retirement Fund - Pure Equity Plan	N.A.	1,642 Cr	6 yrs 11 m	2.04%
Tata Retirement Savings Progressive	N.A.	2,108 Cr	14 yrs 3 m	2.03%
Nippon India Retirement Fund - Wealth Creation Scheme	N.A.	3,194 Cr	11 yrs	1.94%
Aditya Birla Sun Life Retirement Fund - The 30s Plan	N.A.	431 Cr	6 yrs 11 m	2.41%

View all Retirement Solutions funds

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

Alpha	2.29 vs. 5.48 Underperformed at beating benchmark
Sharpe	0.97 vs. 5.8 Poor risk-adjusted returns
Beta	0.84 vs. 1.07 Less sensitive to market ups & downs
Standard deviation	10.98 vs. 12.6 More stable returns

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 is a Retirement Solutions mutual fund scheme from Hdfc Mutual Fund. This fund has been in existence for 9 yrs 11 m, having been launched on 05/02/2016. HDFC Retirement Savings Fund - Equity Plan has ₹7,086 Crores worth of assets under management (AUM) as on 31/12/2025 and is medium-sized fund of its category. The latest Net Asset Value (NAV) of HDFC Retirement Savings Fund - Equity Plan as of 02/02/2026 is ₹50.18. The fund has an expense ratio of 1.76%, which is higher than what most other Retirement Solutions funds charge.

HDFC Retirement Savings Fund - Equity Plan returns of last 1-year are 5.78%. Since launch, it has delivered 17.61% average annual returns. The fund has doubled the money invested in it every 5 yrs.
HDFC Retirement Savings Fund - Equity Plan 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 above average.
The fund has the majority of its money invested in Financial, Technology, Energy, Automobile, Healthcare sectors. It has taken less exposure in Financial, Technology sectors compared to other funds in the category.
The fund's top 5 holdings are in HDFC Bank Ltd., ICICI Bank Ltd., Reliance Industries Ltd., Axis Bank Ltd., Maruti Suzuki India Ltd..

...

Fund AUM	7,086 Cr as on Dec 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	78 view all schemes
Total AUM	9,43,197 Cr as on Dec 31, 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.	2,452 Cr	8.15%	24.12%
HDFC Mid Cap Fund	N.A.	92,642 Cr	12.7%	23.35%
HDFC Small Cap Fund	N.A.	37,753 Cr	5.31%	22.19%
HDFC Focused Fund	N.A.	26,537 Cr	10.34%	21.58%
HDFC Flexi Cap Fund	N.A.	96,295 Cr	11.78%	20.75%
HDFC ELSS Tax Saver Fund	N.A.	17,163 Cr	9.5%	19.23%

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 plan is approximately ₹50.18 as of Feb 02, 2026.

What are the returns of this mutual fund scheme?

The HDFC Retirement Savings Fund - Equity Plan is a 9 yrs 11 m old fund and has delivered average annual returns of 17.61% since inception.

HDFC Retirement Savings Fund - Equity Plan Returns

1-Year	3-Year	5-Year	Since Inception
6.32%	16.81%	18.29%	17.61%

How much does this mutual fund charge as expense ratio?

The HDFC Retirement Savings Fund - Equity Plan has an expense ratio of 1.76%, representing the annual cost of managing and operating the fund. This fee is deducted from the fund's AUM while declaring the daily NAV, reducing investor returns.

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 7,086 Cr as on Dec 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.	8.39%
ICICI Bank Ltd.	6.06%
Reliance Industries Ltd.	4.43%
Axis Bank Ltd.	4.3%
Maruti Suzuki India Ltd.	3.53%
Infosys Ltd.	3.42%
Kotak Mahindra Bank Ltd.	3.11%
Tata Consultancy Services Ltd.	3.05%
Bharti Airtel Ltd.	2.97%
State Bank of India	2.77%

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	27.099999999999998%
Technology	8.98%
Energy	8.25%
Automobile	8.1%
Healthcare	7.7%
Services	6.82%
Capital Goods	4.8999999999999995%
Consumer Staples	3.86%
Insurance	3.02%
Construction	3.01%

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

Redeeming your investments in the HDFC Retirement Savings Fund - Equity Plan is simple. If you have invested via ET Money, just log in to the app, go to the holdings section, and submit the redemption request.

If you have invested from anywhere else, you can go to the fund house website and put a request through it.

ET Money rank

App exclusive

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 15.64% annual return in 70% of times for investors holding for at least 5 years.
Exit Load: This fund has no exit load.
Return/Risk: The fund is performing poorly than its category.