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HDFC Retirement Savings Fund - Hybrid Equity Plan Direct-Growth

NAV as of Oct 20, 2025Returns since inceptionET Money RankAUM (Fund size)
16.78% p.a.
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1,681 Cr

Historical NAV & returns

NAV: ₹44.762 as on Oct 20, 2025
This fund Category average
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This fund Category average

HDFC Retirement Savings Fund - Hybrid Equity Plan overview

Expense ratio0.94% as on Sep 30, 2025
Exit load0%
AUM (Fund size)1,681 Cr
Lock-in Period5 Years
Age9 yrs 8 m since Feb 05, 2016
BenchmarkNIFTY 50 Hybrid Composite Debt 65:35
Min. investment

SIP: 500 & Lumpsum: 5000

RiskVery HighVery High Risk

HDFC Retirement Savings Fund - Hybrid Equity Plan Returns calculator

Investment type
Investment period
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 Oct 25, 2025

PeriodThis fundCategory average
1 Month 2.0% 1.91%
3 Months 2.19% 2.07%
6 Months 6.85% 6.09%
1 Year 5.73% 6.89%
2 Years 16.37% 14.92%
3 Years 16.8% 13.38%
4 Years 13.09% 10.22%
5 Years 19.09% 13.26%
7 Years 16.1% 11.61%

Asset allocationas on Sep 30, 2025

Large Cap 46.83%

Mid Cap 4.47%

Small Cap 19.48%

Other Cap 0%

Top sectors

Financial 23.73%

Automobile 7.1899999999999995%

Technology 6.750000000000001%

Healthcare 5.7700000000000005%

Cash & Call Money 10.55%

SOV 9.32%

AAA 6.06%

AA+ 2.41%

Top Debt Holdings

GOI 9.32%

Bajaj Finance Ltd. 4.26%

Bajaj Housing Finance Ltd. 1.49%

Muthoot Finance Ltd. 1.49%

Allocation by Instruments

Repo 10.09%

GOI Securities 9.319999999999999%

Debenture 4.26%

Non Convertible Debenture 2.41%

Other Holdings

Embassy Office Parks REIT 0.88%

Others 0.46%

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

Alpha 3.22 vs. 3.81 Underperformed at beating benchmark
Sharpe 1.09 vs. 3.65 Poor risk-adjusted returns
Beta 0.77 vs. 0.99 Less sensitive to market ups & downs
Standard deviation 8.61 vs. 6.26 More volatile performance

Compare HDFC Retirement Savings Fund - Hybrid Equity Plan in detail with

ET Money rank

in Retirement Solutions
#NA
Ranking for this fund is unavailable.
  • Return Consistency: This fund is one of the best in generating consistent return in it's category.
  • Chance: This fund has generated a 14.37% annual return in 70% of times for investors holding for at least 5 years.
  • Exit Load: This fund has no exit load.
  • Volatility Protection: This fund ranks lower in terms of protecting against volatility within its category.
  • Return/Risk: The fund is performing poorly than its category.