HDFC Retirement Savings Fund - Equity Plan - Growth Option
₹47.1880
₹0.56 (-1.17%)
NAV as of 29 May 2026
Today's NAV — all variants
Regular · Growth
₹₹47.1880
₹0.56 (-1.17%)
29 May 2026
AMFI: 136090
Direct · Growth
₹₹53.9130
₹0.64 (-1.16%)
29 May 2026
AMFI: 136094
Returns (Lumpsum)
CAGR for periods ≥ 1 yearSIP Returns (XIRR)
₹1,000/month SIP, annualisedSIP since inception — what ₹100/month became
Real NAV backtest from day one
₹12,300
Invested
₹27,045
Value today
14.7%
XIRR (p.a.)
₹100/month SIP from fund inception · Current value as of today
Try SIP Calculator with this fund's history₹100 lumpsum at launch — value today
Invested on the fund's first NAV date
₹100
Invested
₹477
Value today
16.4%
CAGR (p.a.)
One-time investment at fund inception · Growth purely from NAV appreciation
Try Lumpsum Calculator₹10L corpus with ₹5,000/month withdrawals since inception
Corpus is still growing despite monthly payouts
₹10,00,000
Initial corpus
₹6,15,000
Withdrawn
₹34,22,430
Corpus left
+₹30,37,430 net gain — withdrew ₹6,15,000 AND corpus grew
Plan your SWP with real NAV₹6L corpus via 12-month STP from a liquid fund at inception
₹50K/month transferred from HDFC Liquid → this fund at launch
₹6,00,000
Invested
₹23,80,558
Value today
-16.9%
vs lumpsum
Direct lumpsum would have beaten STP by 16.9% — but STP reduced timing risk
Model your own STP with real NAVBeat the benchmark — ₹100/month SIP
Same SIP in this fund vs the benchmark index
This fund
₹27,045
Benchmark
₹22,973
+₹4,072 extra wealth vs the benchmark index
Backtest this SIP yourself₹1 lakh on the worst crash day — 22 Mar 2020
Worst single-day Nifty drop during this fund's life
₹1,00,000
Invested
₹4,13,466
Value today
4.1×
Multiple
Staying invested through that crash turned ₹1L into ₹4,13,466 — a 4.1× return
Read: Staying invested through crashesDirect vs Regular — ₹500/month over 10 years
Expense ratio drag on your actual returns
Direct plan
₹1,41,027
Regular plan
₹1,30,711
Direct earns ₹10,316 more on a ₹60K investment — 1.72% extra return per year
Same fund, same NAV history — only the expense ratio differs. Direct plans always outperform Regular over time.
Learn about Direct vs Regular plansFund Details
Risk Metrics
Trailing 1 year, annualised-0.71
Sharpe Ratio
-0.07
Alpha
0.41
Beta
-0.68
Sortino
12.70%
Std Dev
-14.36%
Max Drawdown
Portfolio Holdings
Top 50 holdings · as of Apr 2026
| Security | % NAV |
|---|---|
HDFC NIFTY 50 ETF INF179KC1965 | 0.97% |
| Security | % NAV |
|---|---|
HDFC Bank Ltd.£ INE040A01034 | 6.88% |
ICICI Bank Ltd. INE090A01021 | 6.57% |
Reliance Industries Ltd. INE002A01018 | 5.31% |
Axis Bank Ltd. INE238A01034 | 4.52% |
Kotak Mahindra Bank Limited INE237A01036 | 3.98% |
State Bank of India INE062A01020 | 3.17% |
Maruti Suzuki India Limited INE585B01010 | 3.13% |
Infosys Limited INE009A01021 | 2.81% |
Bharti Airtel Ltd. INE397D01024 | 2.80% |
Tata Consultancy Services Ltd. INE467B01029 | 2.57% |
Larsen and Toubro Ltd. INE018A01030 | 2.38% |
Power Grid Corporation of India Ltd. INE752E01010 | 2.13% |
HCL Technologies Ltd. INE860A01027 | 1.78% |
Eicher Motors Ltd. INE066A01021 | 1.58% |
ITC LIMITED INE154A01025 | 1.54% |
Bajaj Auto Limited INE917I01010 | 1.48% |
NTPC Limited INE733E01010 | 1.48% |
ICICI Lombard General Insurance Co INE765G01017 | 1.44% |
Dr. Lal Path Labs Ltd INE600L01024 | 1.42% |
Havells India Ltd. INE176B01034 | 1.29% |
Alkem Laboratories Ltd. INE540L01014 | 1.28% |
Jindal Steel Limited. INE749A01030 | 1.27% |
Max Financial Services Ltd. INE180A01020 | 1.18% |
Delhivery Limited INE148O01028 | 1.11% |
Eternal Limited INE758T01015 | 1.10% |
Tata Steel Ltd. INE081A01020 | 1.10% |
Creditaccess Grameen Limited INE741K01010 | 1.06% |
HDFC Life Insurance Company Limited INE795G01014 | 1.05% |
Voltamp Transformers Ltd. INE540H01012 | 1.05% |
Lupin Ltd. INE326A01037 | 1.03% |
United Spirits Limited INE854D01024 | 0.98% |
InterGlobe Aviation Ltd. INE646L01027 | 0.96% |
Hindustan Petroleum Corp. Ltd. INE094A01015 | 0.95% |
Transport Corporation of India Ltd. INE688A01022 | 0.94% |
Apollo Hospitals Enterprise Ltd. INE437A01024 | 0.85% |
Crisil Limited INE007A01025 | 0.83% |
Blue Dart Express Ltd. INE233B01017 | 0.81% |
Balkrishna Industries Ltd. INE787D01026 | 0.80% |
Godrej Consumer Products Ltd. INE102D01028 | 0.79% |
Cipla Ltd. INE059A01026 | 0.78% |
Divis Laboratories Ltd. INE361B01024 | 0.77% |
The Ramco Cements Ltd. INE331A01037 | 0.76% |
Kalpataru Projects International Ltd INE220B01022 | 0.74% |
PVR LIMITED INE191H01014 | 0.71% |
Chalet Hotels Ltd. INE427F01016 | 0.68% |
Hyundai Motor India Limited INE0V6F01027 | 0.67% |
JSW Dulux Limited INE133A01011 | 0.66% |
Gujarat State Petronet Ltd. INE246F01010 | 0.64% |
Prestige Estates Projects Ltd. INE811K01011 | 0.63% |
Performance Comparison
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Investment Objective
HDFC Retirement Savings Fund - Equity Plan - Growth Option 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 Plan - Growth Option is a Retirement Fund mutual fund offered by HDFC Mutual Fund. The fund has been operational for over 10 years. It manages assets worth ₹6,861 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?
- •Investors with a high risk appetite seeking long-term wealth creation
- •Investors with an investment horizon of 5 years or more
- •Individuals planning for retirement with a systematic long-term investment approach
- •SIP investors who can benefit from rupee cost averaging during market fluctuations