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SEBI's 26 Feb 2026 circular (cl. 2.6.3.16) discontinued the Solution-Oriented category; existing investments continue.
What the Solution-Oriented sunset meansHDFC Retirement Savings Fund -Equity · Regular · Growth
NAV
₹46.4740
as of 30 Sept 2026
Expense Ratio
1.76%
AUM
₹6,718 Cr
Lumpsum returns (CAGR)
- 1Y
- -7.06%
- 3Y
- +7.22%
- 5Y
- +10.12%
- Since Inception
- +15.60%
SIP returns (XIRR)
- 1Y
- -10.25%
- 3Y
- -0.58%
- 5Y
- +7.28%
- Since Inception
- +13.46%
Returns calculated from 05 February 2016 onwards due to a structural change in the scheme on that date. Earlier NAV history is preserved but excluded from multi-year return calculations. Periods spanning this date show —.
What history actually did — last 10 years (Oct 2016 – Sept 2026)
A ₹5,000 monthly SIP for the last 10 years (Oct 2016 – Sept 2026)
Real NAV backtest
A ₹5,000 monthly SIP would be worth ₹11,73,307 today — ₹5,95,000 invested, 13.2% XIRR.
₹5,95,000
Invested
₹11,73,307
Value today
13.2%
XIRR (p.a.)
A ₹1,00,000 lumpsum, the last 10 years (Oct 2016 – Sept 2026)
Real NAV backtest
₹1,00,000 invested 10 years ago would be ₹3,47,755 today (13.3% CAGR).
A regular withdrawal plan (SWP)
Real NAV backtest
A ₹10,00,000 corpus withdrawing ₹5,000/month since Oct 2016 would still hold ₹23,04,245.
Fund vs Benchmark (TRI)
Same SIP, benchmark total-return index
The same SIP would be worth ₹11,73,307 in this fund vs ₹10,00,438 in the benchmark — outperformance of ₹1,72,869.
Buying the worst day
Real NAV backtest
₹1,00,000 invested on the worst market day of the last 10 years (Oct 2016 – Sept 2026) (22 Mar 2020) would be ₹4,02,442 today (4.02×).
Historical simulation using actual published NAVs for the stated period. Past performance may or may not be sustained in the future. Not investment advice.
Risk Metrics
Trailing 1 year, annualised-0.31
Sharpe Ratio
-0.03
Alpha
0.47
Beta
-0.31
Sortino
11.94%
Std Dev
-14.36%
Max Drawdown
Performance Comparison
Related reading
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Fund Details
Available transactions
Portfolio holdings
- 1Icici Bank Ltd.7.57%
- 2Hdfc Bank Ltd.£6.93%
- 3Reliance Industries Ltd.4.85%
- 4Axis Bank Ltd.4.21%
- 5Kotak Mahindra Bank Limited3.90%
- 6Maruti Suzuki India Limited3.21%
- 7State Bank Of India2.93%
- 8Bharti Airtel Ltd.2.81%
- 9Infosys Limited2.58%
- 10Tata Consultancy Services Ltd.2.36%
What this fund does
HDFC Retirement Savings Fund -Equity · Regular · Growth by HDFC Mutual Fund is a Retirement Fund fund that aims to generate optimal returns for investors based on its investment mandate. The fund follows a disciplined investment process aligned with SEBI regulations for the Retirement Fund category.
About This Fund
HDFC Retirement Savings Fund -Equity · Regular · Growth is a Retirement Fund mutual fund offered by HDFC Mutual Fund. The fund has been operational for over 10 years. It manages assets worth ₹6,718 Cr, reflecting investor confidence in the fund's strategy. It benchmarks its performance against NIFTY 500 TRI. The current expense ratio is 1.76%.
Who Should Invest?
- •Individuals planning for retirement with a systematic long-term investment approach