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hdfc retirement savings fund - equity plan - direct plan
HDFC Retirement Savings Fund - Equity Plan - Direct Plan

HDFC Retirement Savings Fund - Equity Plan - Direct Plan

  • Very High Risk
  • Allocation
  • Retirement
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NAV as on Apr 28, 2025
i
Price per unit of the scheme.
₹ 55.08700.88%1 Day Change
3.58%
Minimum Investment₹100
Expense Ratio0.75%

FUND RATING

A holistic measure of the rank of a fund relative to its peers. Top funds receive a score of 5.
*Morningstar Rating Methodologyi
i

RISK-O-METER

Level of risk associated with a mutual fund to help investors make informed investment decisions
 

bt_logoFUND PERFORMANCE

As On Jan 01, 2023
Compare fund’s performance against category average across different time periods


No Data Found.
Returns <= 1 year are absolute and > 1 year are annualised (CAGR)
For calculating Category Return & Scheme Ranking, only Growth & Direct schemes are considered.

bt_logoFUND COMPARISON

1M3M6M1Y3Y5Y
This Fund
HDFC Retirement Savings Fund - Equity Plan - Direct Plan
VS
Allocation: Retirement Average NAV
    Topper in Allocation: Retirement
    All Fund


    No Data Found.
    *For the other fund, rescaled NAVs are used
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    bt_logoRETURN CALCULATOR

    Check the return on your investment in the fund
    HDFC Retirement Savings Fund - Equity Plan - Direct Plan
    Investment Type
    Monthly Investment
    Time Period (yrs)
    Annual Return in %
    • Invested Amount
      ₹0
    • Return
      ₹0
    • Current Value
      ₹0

    bt_logoFUND SUMMARY

    Benchmark
    IISL Nifty 500 TR INR
    Expense Ratio
    0.75%
    Category Avg Expense Ratio
    0.89%
    Minimum Investment (Lumpsum/SIP)
    ₹ 100 /₹ 100
    Lock In (Years)
    5
    Fund Size
    ₹ 5,983.38 Cr(As on Mar, 2025)
    Inception Date
    Feb 25, 2016
    Turnover
    8.47 %
    Exit Load
    Nil

    bt_logoABOUT THE FUND

    Objective: The investment objective of the Scheme is to provide long-term capital appreciation / income by investing in a mix of equity and debt instruments to help investors meet their retirement goals. There is no assurance that the investment objective of the Scheme will be realized.

    HDFC Retirement Savings Fund - Equity Plan - Direct Plan is an Allocation - Retirement fund. The fund was launched inFeb 25, 2016. Its risk level is . The NAV of the fund as onApr 28, 2025 is ₹55.09. Its expense ratio is 0.75 %. The fund has an AUM of ₹5,983.38 Cr.The fund is managed byShobhit Mehrotra,Srinivasan Ramamurthy,Priya Ranjan,Dhruv Muchhal,Arun Agarwal,Nandita Menezes.
    The minimum initial investment is  ₹100 in Lumpsum mode.

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    bt_logoFUND MANAGER

    Shobhit Mehrotra
    Shobhit Mehrotra
    i
    Lead Fund Manager.
    Feb 25, 2016 - Present
    • Fund Manager Rank--Out of 0
      i
      Rank measured on the basis of consistent alpha the fund manager delivered in the same category over a period of three years (factors only Direct plan, Growth option)
    • Schemes managed10
    • Total AUM₹ 43,287.02 Cr
    • Highest Return In 1 Yr13.28 %
    Other Funds
    • table
    • card
    1M
    3M
    6M
    1Y
    3Y
    5Y
    Fund NameMorningstar RatingNAVFund ReturnCategory ReturnRiskFund Size
    HDFC Retirement Savings Fund - Equity Plan - Direct Plan
    --
    ₹ 55.09
    3.58%
    -%
    Very High Risk
    ₹5,983.38Cr
    HDFC Income Fund -Direct Plan - Growth Option
    ₹ 64.35
    1.78%
    2.06%
    Moderate Risk
    ₹884.76Cr
    HDFC Medium Term Debt Fund Direct Plan Growth Option
    ₹ 60.56
    1.49%
    0.94%
    Moderately High risk
    ₹3,860.84Cr
    HDFC Retirement Savings Fund - Equity Plan - Direct Plan
    Very High Risk--
    • NAV₹ 55.09
    • Fund Size₹5,983.38Cr
    Fund Return3.58%
    Category Return--
    HDFC Income Fund -Direct Plan - Growth Option
    Moderate Risk
    • NAV₹ 64.35
    • Fund Size₹884.76Cr
    Fund Return1.78%
    Category Return2.06%
    HDFC Medium Term Debt Fund Direct Plan Growth Option
    Moderately High risk
    • NAV₹ 60.56
    • Fund Size₹3,860.84Cr
    Fund Return1.49%
    Category Return0.94%
    Returns <= 1 year are absolute and > 1 year are annualised (CAGR)
    Srinivasan Ramamurthy
    Srinivasan Ramamurthy
    i
    Lead Fund Manager.
    Dec 14, 2021 - Present
    • Schemes managed11
    • Total AUM₹ 1,22,480.57 Cr
    • Highest Return In 1 Yr13.56 %
    Other Funds
    • table
    • card
    1M
    3M
    6M
    1Y
    3Y
    5Y
    Fund NameMorningstar RatingNAVFund ReturnCategory ReturnRiskFund Size
    HDFC Retirement Savings Fund - Equity Plan - Direct Plan
    --
    ₹ 55.09
    3.58%
    -%
    Very High Risk
    ₹5,983.38Cr
    HDFC Balanced Advantage Fund Direct Plan Growth Option
    ₹ 542.81
    2.62%
    0.88%
    Very High Risk
    ₹94,824.34Cr
    HDFC Hybrid Debt Fund Direct Plan Growth Option
    ₹ 86.84
    2.10%
    1.35%
    Moderately High risk
    ₹3,309.97Cr
    HDFC Retirement Savings Fund - Equity Plan - Direct Plan
    Very High Risk--
    • NAV₹ 55.09
    • Fund Size₹5,983.38Cr
    Fund Return3.58%
    Category Return--
    HDFC Balanced Advantage Fund Direct Plan Growth Option
    Very High Risk
    • NAV₹ 542.81
    • Fund Size₹94,824.34Cr
    Fund Return2.62%
    Category Return0.88%
    HDFC Hybrid Debt Fund Direct Plan Growth Option
    Moderately High risk
    • NAV₹ 86.84
    • Fund Size₹3,309.97Cr
    Fund Return2.10%
    Category Return1.35%
    Returns <= 1 year are absolute and > 1 year are annualised (CAGR)
    Priya Ranjan
    Priya Ranjan
    i
    Lead Fund Manager.
    May 1, 2022 - Present
    • Schemes managed39
    • Total AUM₹ 6,27,306.95 Cr
    • Highest Return In 1 Yr17.79 %
    Other Funds
    • table
    • card
    1M
    3M
    6M
    1Y
    3Y
    5Y
    Fund NameMorningstar RatingNAVFund ReturnCategory ReturnRiskFund Size
    HDFC Retirement Savings Fund - Equity Plan - Direct Plan
    --
    ₹ 55.09
    3.58%
    -%
    Very High Risk
    ₹5,983.38Cr
    HDFC Income Fund -Direct Plan - Growth Option
    ₹ 64.35
    1.78%
    2.06%
    Moderate Risk
    ₹884.76Cr
    HDFC Dynamic Debt Plan - Direct Plan - Growth Option
    ₹ 99.00
    1.71%
    2.10%
    Moderate Risk
    ₹778.49Cr
    HDFC Retirement Savings Fund - Equity Plan - Direct Plan
    Very High Risk--
    • NAV₹ 55.09
    • Fund Size₹5,983.38Cr
    Fund Return3.58%
    Category Return--
    HDFC Income Fund -Direct Plan - Growth Option
    Moderate Risk
    • NAV₹ 64.35
    • Fund Size₹884.76Cr
    Fund Return1.78%
    Category Return2.06%
    HDFC Dynamic Debt Plan - Direct Plan - Growth Option
    Moderate Risk
    • NAV₹ 99.00
    • Fund Size₹778.49Cr
    Fund Return1.71%
    Category Return2.10%
    Returns <= 1 year are absolute and > 1 year are annualised (CAGR)
    Dhruv Muchhal
    Dhruv Muchhal
    i
    Lead Fund Manager.
    Jun 22, 2023 - Present
    • Schemes managed41
    • Total AUM₹ 6,80,586.81 Cr
    • Highest Return In 1 Yr17.79 %
    Other Funds
    • table
    • card
    1M
    3M
    6M
    1Y
    3Y
    5Y
    Fund NameMorningstar RatingNAVFund ReturnCategory ReturnRiskFund Size
    HDFC Defence Fund Direct Growth
    --
    ₹ 21.29
    5.57%
    -%
    Very High Risk
    ₹3,880.46Cr
    HDFC Balanced Advantage Fund Direct Plan Growth Option
    ₹ 542.81
    2.62%
    0.88%
    Very High Risk
    ₹94,824.34Cr
    HDFC Credit Risk Debt Fund Direct Plan Growth Option
    ₹ 25.66
    1.12%
    0.87%
    Moderately High risk
    ₹7,229.73Cr
    HDFC Defence Fund Direct Growth
    Very High Risk--
    • NAV₹ 21.29
    • Fund Size₹3,880.46Cr
    Fund Return5.57%
    Category Return--
    HDFC Balanced Advantage Fund Direct Plan Growth Option
    Very High Risk
    • NAV₹ 542.81
    • Fund Size₹94,824.34Cr
    Fund Return2.62%
    Category Return0.88%
    HDFC Credit Risk Debt Fund Direct Plan Growth Option
    Moderately High risk
    • NAV₹ 25.66
    • Fund Size₹7,229.73Cr
    Fund Return1.12%
    Category Return0.87%
    Returns <= 1 year are absolute and > 1 year are annualised (CAGR)
    Arun Agarwal
    Arun Agarwal
    i
    Lead Fund Manager.
    Apr 1, 2025 - Present
    • Schemes managed21
    • Total AUM₹ 1,85,670.13 Cr
    • Highest Return In 1 Yr28.80 %
    Other Funds
    • table
    • card
    1M
    3M
    6M
    1Y
    3Y
    5Y
    Fund NameMorningstar RatingNAVFund ReturnCategory ReturnRiskFund Size
    HDFC NIFTY Next 50 Index Fund Direct Growth
    --
    ₹ 15.26
    3.15%
    -%
    Very High Risk
    ₹1,758.37Cr
    HDFC Silver ETF Fund of Fund Direct Growth
    --
    ₹ 16.27
    -4.49%
    5.49%
    Very High Risk
    ₹260.80Cr
    HDFC Index S&P Fund Sensex Plan-Direct Plan
    ₹ 756.15
    3.62%
    -%
    Very High Risk
    ₹7,913.75Cr
    HDFC NIFTY Next 50 Index Fund Direct Growth
    Very High Risk--
    • NAV₹ 15.26
    • Fund Size₹1,758.37Cr
    Fund Return3.15%
    Category Return--
    HDFC Silver ETF Fund of Fund Direct Growth
    Very High Risk--
    • NAV₹ 16.27
    • Fund Size₹260.80Cr
    Fund Return-4.49%
    Category Return5.49%
    HDFC Index S&P Fund Sensex Plan-Direct Plan
    Very High Risk
    • NAV₹ 756.15
    • Fund Size₹7,913.75Cr
    Fund Return3.62%
    Category Return--
    Returns <= 1 year are absolute and > 1 year are annualised (CAGR)
    Nandita Menezes
    Nandita Menezes
    i
    Lead Fund Manager.
    Apr 1, 2025 - Present
    • Schemes managed21
    • Total AUM₹ 1,85,670.13 Cr
    • Highest Return In 1 Yr28.80 %
    Other Funds
    • table
    • card
    1M
    3M
    6M
    1Y
    3Y
    5Y
    Fund NameMorningstar RatingNAVFund ReturnCategory ReturnRiskFund Size
    HDFC Nifty500 Multicap 50:25:25 Index Fund Regular Growth
    --
    ₹ 9.28
    3.61%
    -%
    Very High Risk
    ₹413.03Cr
    HDFC Equity Savings Fund -Direct Plan - Growth Option
    ₹ 71.97
    1.81%
    0.62%
    Moderately High risk
    ₹5,460.36Cr
    HDFC Gold Fund-Direct Plan-Growth
    --
    ₹ 29.88
    6.13%
    5.49%
    High Risk
    ₹3,557.61Cr
    HDFC Nifty500 Multicap 50:25:25 Index Fund Regular Growth
    Very High Risk--
    • NAV₹ 9.28
    • Fund Size₹413.03Cr
    Fund Return3.61%
    Category Return--
    HDFC Equity Savings Fund -Direct Plan - Growth Option
    Moderately High risk
    • NAV₹ 71.97
    • Fund Size₹5,460.36Cr
    Fund Return1.81%
    Category Return0.62%
    HDFC Gold Fund-Direct Plan-Growth
    High Risk--
    • NAV₹ 29.88
    • Fund Size₹3,557.61Cr
    Fund Return6.13%
    Category Return5.49%
    Returns <= 1 year are absolute and > 1 year are annualised (CAGR)

    bt_logoDETAILED PORTFOLIO

    As on Mar, 2025
    EQUITY (89.40%)
    DEBT (0.79%)
    CASH (9.81%)
    Allocation by Market Cap
    Large Cap(62.19%)
    Mid Cap(9.08%)
    Small Cap(18.04%)
    Industry Holdings
    • Banks Regional30.60%
    • Information Technology Services7.88%
    • Auto Manufacturers7.87%
    • Oil Gas Refining Marketing5.64%
    • Drug Manufacturers Specialty Generic5.43%
    • Engineering Construction4.02%
    Stock Holdings
    • HDFC Bank Ltd9.17%
    • ICICI Bank Ltd7.21%
    • Axis Bank Ltd4.42%
    • Reliance Industries Ltd3.84%
    • Bharti Airtel Ltd3.19%
    • Kotak Mahindra Bank Ltd2.90%

    bt_logoPERFORMANCE MEASURES

    Fund evaluation across critical parameters for better decision making. Study period is 3 years.
    • Consistency
      i
      It represents the consistency of a fund in beating its benchmark.
      ----
    • Downside Risk
      i
      Measured by Maximum Drawdown which shows the maximum loss from a peak to a nadir over a specified time period
    • Risk Adjusted Return
      i
      Risk adjusted return represents the return generated after factoring the risk taken to achieve it.
    • Volatility
      i
      Volatility represents the standard deviation of fund returns that is, how much the fund returns have deviated from the average.
    • Upside Capture Ratio
      i
      Fund performance relative to the index when the market is up. An upside capture ratio of >100 indicates better fund performance.
      ----
    • Downside Capture Ratio
      i
      Fund performance relative to the index when the market is down. A downside capture ratio of <100 indicates better fund performance.
      ----

    bt_logoHISTORICAL RISK MEASURES

    Statistical measures to evaluate mutual fund risk. All ratios are calculated for a three-year time duration.
    • Alpha: Excess return of the fund over benchmark
      i
      Any Alpha above zero is considered good. However, for comparison, a fund with a higher Alpha is considered better. Alpha is normally used in conjunction with Beta. If the Beta is high, it implies that the fund manager took a high risk to generate Alpha.
      --
      This Fund
      VS
      --
      Category Avg
    • R-Squared: How well the fund tracks benchmark
      i
      R-Squared measures the correlation of fund returns and its benchmark returns. It varies between 0 and 1. The metric, Beta makes no sense if R-Squared is equal to zero. Thus, both Beta and R-Squared should be used in conjunction. A fund with a high R-Squared and low Beta is considered a less risky fund.
      --
      This Fund
      VS
      --
      Category Avg
    • Beta: Risk of the fund in relation to benchmark
      i
      Beta >1 indicates that the fund is more volatile than its benchmark while Beta < 1 indicates that the fund is less volatile than its benchmark. The Beta of the benchmark is equal to 1.
      --
      This Fund
      VS
      --
      Category Avg
    • Sharpe Ratio: Risk adjusted return of the fund
      i
      Sharpe Ratio is a measure of return per unit of risk. A higher Sharpe ratio indicates better risk adjusted return given by the fund.
      1.03
      This Fund
      VS
      --
      Category Avg
    • Sortino Ratio: Return per unit of bad risk
      i
      A variation of Sharpe ratio, Sortino considers only the downside risk. Unlike Sharpe ratio which considers both good risk and bad risk, Sortino factors only the bad risk. A high Sortino ratio indicates better return for each unit of downside risk.
      1.83
      This Fund
      VS
      --
      Category Avg
    • Standard Devation: Volatility of the fund
      i
      Standard deviation is a measure of dispersion of fund returns from its average return. A fund with a higher Standard deviation is more volatile than a fund with a low standard deviation.
      12.17
      This Fund
      VS
      --
      Category Avg
    Benchmark used in calculation : S&P BSE 500 India TR INR

    bt_logoPEER ANALYSIS

    1M
    3M
    6M
    1Y
    3Y
    5Y
    • card
    • table
    Fund NameMorningstar RatingNAV Fund Return Category ReturnRisk Fund Size
    Returns <= 1 year are absolute and > 1 year are annualised (CAGR)

    bt_logoTOP FUNDS FROM THIS AMC

    1M
    3M
    6M
    1Y
    3Y
    5Y
    • card
    • table
    Fund NameMorningstar RatingNAV Fund Return Category Return Risk Fund Size (Cr)
    Returns <= 1 year are absolute and > 1 year are annualised (CAGR)

    bt_logoABOUT THE AMC

    company icon
    HDFC Asset Management Co Ltd
    HDFC Asset Management Co Ltd manages assets worth ₹ 7,71,687.84 crores. It’s current offering of mutual fund schemes includes 39 equity, 33 debt and 11 hybrid schemes.
    phone icon
    Phone
    +91 22 66316333
    mail icon
    Email
    cliser@hdfcfund.com
    aum
    AUM
    ₹ 7,71,687.84 Cr (
    As on Mar 31, 2025
    )
    location
    Address
    “HUL House”, 2nd Floor, Mumbai,400 020

    bt_logoFAQ's

    What is the category of HDFC Retirement Savings Fund - Equity Plan - Direct Plan ?
    The category of HDFC Retirement Savings Fund - Equity Plan - Direct Plan is Allocation - Retirement
    What is the current NAV of HDFC Retirement Savings Fund - Equity Plan - Direct Plan ?
    The current NAV of HDFC Retirement Savings Fund - Equity Plan - Direct Plan as on Apr 28, 2025 is ₹55.09
    How safe is HDFC Retirement Savings Fund - Equity Plan - Direct Plan ?
    The risk level of HDFC Retirement Savings Fund - Equity Plan - Direct Plan is Very High.
    What are short term returns given by HDFC Retirement Savings Fund - Equity Plan - Direct Plan ?
    The return given by HDFC Retirement Savings Fund - Equity Plan - Direct Plan in 1 month is 3.58%, 3 months is 5.33%, 6 months is -1.23%, and 1 year is 9.51%
    What are the long term returns given by HDFC Retirement Savings Fund - Equity Plan - Direct Plan ?
    The return given by HDFC Retirement Savings Fund - Equity Plan - Direct Plan in 3 years is 20.15% and 5 years is 30.23%.
    What is the expense ratio of HDFC Retirement Savings Fund - Equity Plan - Direct Plan ?
    The expense ratio of HDFC Retirement Savings Fund - Equity Plan - Direct Plan is 0.75%
    What is the AUM of HDFC Retirement Savings Fund - Equity Plan - Direct Plan ?
    The assets under Management (AUM) of HDFC Retirement Savings Fund - Equity Plan - Direct Plan is Rs 5,983.38 crores.
    What is the minimum investment in HDFC Retirement Savings Fund - Equity Plan - Direct Plan ?
    The minimum Lumpsum investment in HDFC Retirement Savings Fund - Equity Plan - Direct Plan is ₹100.00 and the minimum SIP investment in HDFC Retirement Savings Fund - Equity Plan - Direct Plan is ₹100.00
    What is the asset allocation of HDFC Retirement Savings Fund - Equity Plan - Direct Plan?
    HDFC Retirement Savings Fund - Equity Plan - Direct Plan has an exposure of 89.40% in Equity, 0.79% in Debt and 9.81% in Cash & Money Market Securities

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