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HDFC Retirement Savings Fund - Hybrid Equity Plan Direct-Growth

NAV as of Apr 23, 2025Returns since inceptionET Money RankVRO Ratings
17.06% p.a.
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4

Historical NAV & returns

NAV: ₹42.356 as on Apr 23, 2025
This fund Category average
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This fund Category average

HDFC Retirement Savings Fund - Hybrid Equity Plan overview

VRO rating4
Expense ratio0.95% as on Mar 31, 2025
Exit load0%info
Exit load of 1% if units are redeemed before completion of 60 years of age.!
AUM (Fund size)1,567 Crs
Lock-in5 Years
Age9 yrs 2 m since Feb 05, 2016
BenchmarkNIFTY 50 Hybrid Composite Debt 65:35
Min. investment

SIP 500  &  Lump. 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 Apr 24, 2025

PeriodThis fundCategory average
1 month 2.11% 2.57%
3 months 3.85% 3.47%
6 months -0.65% 1.14%
1 year 9.5% 10.38%
3 years 16.81% 12.96%
5 years 22.55% 14.95%
7 years 14.17% 10.36%

Asset allocationas on Mar 31, 2025

Large Cap 48.24295%

Mid Cap 4.033260000000001%

Small Cap 15.63058%

Other Cap 0.006789999999993825%

Top sectors

Financial 23.779999999999998%

Technology 6.72%

Automobile 6.069999999999999%

Energy 5.619999999999999%

Cash & Call Money 15.42%

SOV 10.04%

AAA 3.24%

AA+ 2.58%

Top Debt Holdings

GOI 10.04%

Power Finance Corporation Ltd. 1.63%

Muthoot Finance Ltd. 1.6%

State Bank of India 1.28%

Allocation by Instruments

Repo 15.08%

GOI Securities 10.04%

Non Convertible Debenture 2.61%

Bonds 1.61%

Other Holdings

Embassy Office Parks REIT 0.82%

Others 0.34%

Peer comparison

Fund nameETM RankAUM (in Crs.)Fund ageExpense ratio
HDFC Retirement Savings Fund - Hybrid Equity PlanN.A.₹1,567 Crs9 yrs 2 m0.95%
HDFC Retirement Savings Fund - Hybrid Debt PlanN.A.₹159 Crs9 yrs 2 m1.02%
UTI Retirement FundN.A.₹4,564 Crs12 yrs 3 m1.04%
ICICI Prudential Retirement Fund - Hybrid Aggressive PlanN.A.₹755 Crs6 yrs 2 m1.03%
ICICI Prudential Retirement Fund - Hybrid Conservative PlanN.A.₹79 Crs6 yrs 2 m0.6%
Fund name1M6M1Y3Y5Y10Y
HDFC Retirement Savings Fund - Hybrid Equity Plan2.11%-0.65%9.5%16.81%22.55%N.A.
HDFC Retirement Savings Fund - Hybrid Debt Plan2.01%2.82%9.75%10.59%10.98%9.12%
UTI Retirement Fund2.86%2.48%12.61%13.68%16.71%10.28%
ICICI Prudential Retirement Fund - Hybrid Aggressive Plan3.16%-1.31%7.79%20.16%24.39%10.2%
ICICI Prudential Retirement Fund - Hybrid Conservative Plan2.21%2.77%8.79%10.99%11.45%6.18%
Fund nameStd. deviationBetaSharpeSortino
HDFC Retirement Savings Fund - Hybrid Equity Plan9.290.740.941.68
HDFC Retirement Savings Fund - Hybrid Debt Plan3.80.860.851.67
UTI Retirement Fund6.070.60.931.76
ICICI Prudential Retirement Fund - Hybrid Aggressive Plan12.961.00.841.36
ICICI Prudential Retirement Fund - Hybrid Conservative Plan4.611.00.771.27

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

Alpha 4.0 vs. 3.73 Higher outperformance against benchmark
Sharpe 0.94 vs. 3.41 Poor risk-adjusted returns
Beta 0.74 vs. 0.9 Less sensitive to market ups & downs
Standard deviation 9.29 vs. 6.89 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 13.83% 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.