HDFC Retirement Savings Fund -Equity · Regular · Growth
NAV
₹48.3550
as of 17 Jun 2026
Expense Ratio
1.76%
AUM
₹6,861 Cr
Lumpsum returns (CAGR)
- 1Y
- -3.77%
- 3Y
- +11.36%
- 5Y
- +13.52%
- Since Inception
- +16.43%
SIP returns (XIRR)
- 1Y
- -5.12%
- 3Y
- +3.89%
- 5Y
- +10.30%
- Since Inception
- +14.83%
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 —.
Beat the benchmark — ₹100/month SIP
Same SIP in this fund vs the benchmark index
This fund
₹26,467
Benchmark
₹23,166
+₹3,301 extra wealth vs the benchmark index
Backtest this SIP yourselfSIP since inception — what ₹100/month became
Real NAV backtest from day one
₹12,400
Invested
₹26,467
Value today
14.1%
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
₹466
Value today
16.0%
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
₹6,20,000
Withdrawn
₹33,31,665
Corpus left
+₹29,51,665 net gain — withdrew ₹6,20,000 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
₹23,22,089
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 NAV₹1 lakh on the worst crash day — 22 Mar 2020
Worst single-day Nifty drop during this fund's life
₹1,00,000
Invested
₹4,03,100
Value today
4.0×
Multiple
Staying invested through that crash turned ₹1L into ₹4,03,100 — a 4.0× return
Read: Staying invested through crashesRisk Metrics
Trailing 1 year, annualised-0.54
Sharpe Ratio
-0.06
Alpha
0.46
Beta
-0.52
Sortino
12.78%
Std Dev
-14.36%
Max Drawdown
Performance Comparison
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Fund Details
Available transactions
Portfolio holdings
- 1Hdfc Bank Ltd.£6.88%
- 2Icici Bank Ltd.6.57%
- 3Reliance Industries Ltd.5.31%
- 4Axis Bank Ltd.4.52%
- 5Kotak Mahindra Bank Limited3.98%
- 6State Bank Of India3.17%
- 7Maruti Suzuki India Limited3.13%
- 8Infosys Limited2.81%
- 9Bharti Airtel Ltd.2.80%
- 10Tata Consultancy Services Ltd.2.57%
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 ₹6,861 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