HDFC Retirement Savings Fund - Hybrid-Equity Plan - Growth Option
Fund Manager : FM 1 - Mr.Srinivasan Ramamurthy, FM 2 - Mr.Shobhit Mehrotra, FM 3 - Ms. Nandita Menezes , FM 4 - Mr. Arun Agarwal , FM 5 - Mr. Dhruv Muchhal | Benchmark : NIFTY 50 Hybrid Composite Debt 65:35 Index | Category : Retirement Fund
NAV as on 24-09-2025
AUM as on 29-08-2025
Rtn ( Since Inception )
15.19%
Inception Date
Feb 01, 2016
Expense Ratio
2.07%
Fund Status
Open Ended Scheme
Min. Investment (Rs)
100
Min. Topup (Rs)
100
Min. SIP Amount (Rs)
100
Risk Status
very high
Investment Objective : The investment objective of the Investment Plans under 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 achieved.
Returns (%)
| 1 Mon (%) | 3 Mon (%) | 6 Mon (%) | 1 Yr (%) | 3 Yrs (%) | 5 Yrs (%) | 10 Yrs (%) | |
|---|---|---|---|---|---|---|---|
| Fund | 0.61 | 0.41 | 5.76 | -1.98 | 15.25 | 18.55 | 0.0 |
| Benchmark - AK Hybrid Aggressive TRI | 0.86 | 0.39 | 5.79 | 1.42 | 12.55 | 14.78 | 11.53 |
| Category - Retirement Fund | 0.5 | 0.67 | 6.42 | -0.1 | 12.68 | 13.86 | 9.97 |
| Rank within Category | 13 | 17 | 16 | 20 | 6 | 5 | |
| Number of Funds within Category | 29 | 28 | 29 | 29 | 25 | 21 |
Returns less than 1 year are in absolute and Returns greater than 1 year period are compounded annualised (CAGR)
Equity Holdings (Top 10)
| Sector | Allocation (%) |
|---|
Asset Allocation
| Asset Class | Allocation (%) |
|---|---|
| Equity | 70.09 |
| Others | 0.82 |
| Debt | 13.65 |
| Cash & Cash Equivalents | 15.44 |
Portfolio Behavior
| Mean | 13.58 |
| Sharpe Ratio | 0.91 |
| Alpha | 6.94 |
| Beta | 0.16 |
| Standard Deviation | 8.82 |
| Sortino | 1.57 |
| Portfolio Turnover | 12.88 |
Market Cap Distribution
Yearly Performance (%)
Standard Performance
Riskometer
SIP Returns (Monthly SIP of Rs. 10,000)
| 3 Year | 5 Year | 10 Year | 15 Year | |||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Scheme Name | Invested Amt | Current Value | XIRR (%) | Invested Amt | Current Value | XIRR (%) | Invested Amt | Current Value | XIRR (%) | Invested Amt | Current Value | XIRR (%) |
| HDFC Retrmnt Savings Hybrid Equity Reg | 360,000 | 428,176 | 12.23 | 600,000 | 835,489 | 13.61 | ||||||
| Nifty Composite G-Sec Index | 360,000 | 406,049 | 8.43 | 600,000 | 718,937 | 7.39 | 940,000 | 1,249,977 | 7.31 | 940,000 | 1,249,977 | 7.31 |
| Retirement Fund | 360,000 | 426,575 | 11.88 | 600,000 | 802,148 | 11.68 | 1,200,000 | 2,070,665 | 10.49 | 1,800,000 | 3,722,412 | 9.17 |
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Returns less than 1 year are in absolute and greater than 1 year are compounded annualised (CAGR). SIP returns are shown in XIRR (%).
The Risk Level of any of the schemes must always be commensurate with the risk profile, investment objective or financial goals of the investor concerned. Mutual Fund Distributors (MFDs) or Registered Investment Advisors (RIAs) should take the risk profile and investment needs of individual investors into consideration and make scheme(s) or asset allocation recommendations accordingly.
Mutual Fund investments are subject to market risks, read all scheme related documents carefully. Past performance may or may not be sustained in the future. Investors should always invest according to their risk appetite and consult with their mutual fund distributors or financial advisor before investing.
