HDFC Retirement Savings Fund - Hybrid - Equity · Regular · Growth
NAV
₹36.9490
as of 16 Jun 2026
Expense Ratio
2.07%
AUM
₹1,683 Cr
Lumpsum returns (CAGR)
- 1Y
- -4.39%
- 3Y
- +8.79%
- 5Y
- +9.73%
- Since Inception
- +13.45%
SIP returns (XIRR)
- 1Y
- -5.65%
- 3Y
- +2.75%
- 5Y
- +7.66%
- Since Inception
- +11.35%
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 —.
This fund trailed its benchmark
Top performers in Retirement Fund by 5Y CAGR
ICICI Prudential Retirement Fund Pure Equity · Regular · Growth
ICICI Prudential Retirement Fund Hybrid Aggressive · Regular · Growth
HDFC Retirement Savings Fund -Equity · Regular · Growth
SIP since inception — what ₹100/month became
Real NAV backtest from day one
₹12,400
Invested
₹22,079
Value today
10.8%
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
₹360
Value today
13.2%
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Withdrawn
₹24,94,655
Corpus left
+₹21,14,655 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
₹18,42,028
Value today
-14.7%
vs lumpsum
Direct lumpsum would have beaten STP by 14.7% — 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
₹2,82,398
Value today
2.8×
Multiple
Staying invested through that crash turned ₹1L into ₹2,82,398 — a 2.8× return
Read: Staying invested through crashesRisk Metrics
Trailing 1 year, annualised-0.70
Sharpe Ratio
-0.06
Alpha
0.36
Beta
-0.68
Sortino
9.97%
Std Dev
-12.35%
Max Drawdown
Performance Comparison
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Fund Details
Available transactions
Portfolio holdings
- 1Hdfc Bank Ltd.£5.73%
- 2Icici Bank Ltd.5.47%
- 3Bajaj Finance Ltd.^4.34%
- 4Reliance Industries Ltd.3.98%
- 5State Bank Of India3.31%
- 6Axis Bank Ltd.3.14%
- 7Kotak Mahindra Bank Limited2.85%
- 8Maruti Suzuki India Limited2.47%
- 9Bharti Airtel Ltd.2.33%
- 10Tata Consultancy Services Ltd.2.30%
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 ₹1,683 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