HDFC Retirement Savings Fund -Equity · Regular · Growth
NAV
₹50.0540
as of 03 Aug 2026
Expense Ratio
1.76%
AUM
₹6,718 Cr
Lumpsum returns (CAGR)
- 1Y
- +0.59%
- 3Y
- +10.62%
- 5Y
- +12.60%
- Since Inception
- +16.59%
SIP returns (XIRR)
- 1Y
- +2.16%
- 3Y
- +4.91%
- 5Y
- +10.91%
- Since Inception
- +15.13%
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 (Aug 2016 – Aug 2026)
A ₹5,000 monthly SIP for the last 10 years (Aug 2016 – Aug 2026)
Real NAV backtest
A ₹5,000 monthly SIP would be worth ₹12,91,151 today — ₹5,95,000 invested, 15.0% XIRR.
₹5,95,000
Invested
₹12,91,151
Value today
15.0%
XIRR (p.a.)
A ₹1,00,000 lumpsum, the last 10 years (Aug 2016 – Aug 2026)
Real NAV backtest
₹1,00,000 invested 10 years ago would be ₹3,97,412 today (14.8% CAGR).
A regular withdrawal plan (SWP)
Real NAV backtest
A ₹10,00,000 corpus withdrawing ₹5,000/month since Aug 2016 would still hold ₹26,82,965.
Fund vs Benchmark (TRI)
Same SIP, benchmark total-return index
The same SIP would be worth ₹12,91,151 in this fund vs ₹11,17,052 in the benchmark — outperformance of ₹1,74,099.
Buying the worst day
Real NAV backtest
₹1,00,000 invested on the worst market day of the last 10 years (Aug 2016 – Aug 2026) (22 Mar 2020) would be ₹4,33,443 today (4.33×).
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-0.16
Sharpe Ratio
-0.02
Alpha
0.49
Beta
-0.16
Sortino
12.66%
Std Dev
-14.36%
Max Drawdown
Performance Comparison
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Fund Details
Available transactions
Portfolio holdings
- 1Hdfc Bank Ltd.£7.47%
- 2Icici Bank Ltd.7.45%
- 3Axis Bank Ltd.4.73%
- 4Reliance Industries Ltd.4.73%
- 5Kotak Mahindra Bank Limited4.02%
- 6Maruti Suzuki India Limited3.27%
- 7State Bank Of India3.01%
- 8Bharti Airtel Ltd.2.71%
- 9Larsen And Toubro Ltd.2.43%
- 10Infosys Limited2.34%
Investment Objective
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?
- •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