HDFC Retirement Savings Fund - Hybrid - Equity · Regular · Growth
NAV
₹37.6590
as of 31 Jul 2026
Expense Ratio
2.07%
AUM
₹1,610 Cr
Lumpsum returns (CAGR)
- 1Y
- -2.14%
- 3Y
- +7.62%
- 5Y
- +9.24%
- Since Inception
- +13.48%
SIP returns (XIRR)
- 1Y
- -1.64%
- 3Y
- +3.37%
- 5Y
- +7.96%
- Since Inception
- +11.45%
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 – Jul 2026)
A ₹5,000 monthly SIP for the last 10 years (Aug 2016 – Jul 2026)
Real NAV backtest
A ₹5,000 monthly SIP would be worth ₹10,56,134 today — ₹5,95,000 invested, 11.2% XIRR.
₹5,95,000
Invested
₹10,56,134
Value today
11.2%
XIRR (p.a.)
A ₹1,00,000 lumpsum, the last 10 years (Aug 2016 – Jul 2026)
Real NAV backtest
₹1,00,000 invested 10 years ago would be ₹3,07,370 today (11.9% CAGR).
A regular withdrawal plan (SWP)
Real NAV backtest
A ₹10,00,000 corpus withdrawing ₹5,000/month since Aug 2016 would still hold ₹20,17,568.
Fund vs Benchmark (TRI)
Same SIP, benchmark total-return index
The same SIP would be worth ₹10,56,134 in this fund vs ₹10,98,604 in the benchmark — underperformance of ₹42,470.
Buying the worst day
Real NAV backtest
₹1,00,000 invested on the worst market day of the last 10 years (Aug 2016 – Jul 2026) (22 Mar 2020) would be ₹2,95,527 today (2.96×).
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-0.40
Sharpe Ratio
-0.03
Alpha
0.38
Beta
-0.39
Sortino
9.83%
Std Dev
-12.35%
Max Drawdown
Performance Comparison
Thinking about HDFC Retirement Savings Fund - Hybrid - Equity · Regular · Growth?
Talk to our AMFI-registered team — free, no pressure. We'll help you see if this fund fits your goals.
Fund Details
Available transactions
Portfolio holdings
- 1Icici Bank Ltd.5.97%
- 2Hdfc Bank Ltd.£5.93%
- 3Bajaj Finance Ltd.^4.36%
- 4Reliance Industries Ltd.3.61%
- 5Axis Bank Ltd.3.34%
- 6State Bank Of India3.18%
- 7Kotak Mahindra Bank Limited3.16%
- 8Maruti Suzuki India Limited2.62%
- 9Bharti Airtel Ltd.2.30%
- 10Larsen And Toubro Ltd.1.93%
Investment Objective
HDFC Retirement Savings Fund - Hybrid - 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 - Hybrid - 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 ₹1,610 Cr, reflecting investor confidence in the fund's strategy. It benchmarks its performance against NIFTY 50 Hybrid Composite Debt 65:35 Index. The current expense ratio is 2.07%.
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