Closed to new subscriptions
SEBI's 26 Feb 2026 circular (cl. 2.6.3.16) discontinued the Solution-Oriented category; existing investments continue.
What the Solution-Oriented sunset meansHDFC Retirement Savings Fund - Hybrid - Equity · Regular · Growth
NAV
₹35.7660
as of 30 Sept 2026
Expense Ratio
2.07%
AUM
₹1,610 Cr
Lumpsum returns (CAGR)
- 1Y
- -6.68%
- 3Y
- +5.55%
- 5Y
- +7.44%
- Since Inception
- +12.78%
SIP returns (XIRR)
- 1Y
- -9.41%
- 3Y
- -0.80%
- 5Y
- +5.33%
- Since Inception
- +10.23%
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 (Oct 2016 – Sept 2026)
A ₹5,000 monthly SIP for the last 10 years (Oct 2016 – Sept 2026)
Real NAV backtest
A ₹5,000 monthly SIP would be worth ₹9,84,890 today — ₹5,95,000 invested, 9.9% XIRR.
₹5,95,000
Invested
₹9,84,890
Value today
9.9%
XIRR (p.a.)
A ₹1,00,000 lumpsum, the last 10 years (Oct 2016 – Sept 2026)
Real NAV backtest
₹1,00,000 invested 10 years ago would be ₹2,76,420 today (10.7% CAGR).
A regular withdrawal plan (SWP)
Real NAV backtest
A ₹10,00,000 corpus withdrawing ₹5,000/month since Oct 2016 would still hold ₹17,79,311.
Fund vs Benchmark (TRI)
Same SIP, benchmark total-return index
The same SIP would be worth ₹9,84,890 in this fund vs ₹10,00,438 in the benchmark — underperformance of ₹15,548.
Buying the worst day
Real NAV backtest
₹1,00,000 invested on the worst market day of the last 10 years (Oct 2016 – Sept 2026) (22 Mar 2020) would be ₹2,80,672 today (2.81×).
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-0.53
Sharpe Ratio
-0.05
Alpha
0.37
Beta
-0.52
Sortino
9.38%
Std Dev
-12.35%
Max Drawdown
Performance Comparison
Related reading
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Fund Details
Available transactions
Portfolio holdings
- 1Icici Bank Ltd.6.16%
- 2Hdfc Bank Ltd.£5.51%
- 3Bajaj Finance Ltd.^4.30%
- 4Reliance Industries Ltd.3.61%
- 5State Bank Of India3.15%
- 6Kotak Mahindra Bank Limited3.11%
- 7Axis Bank Ltd.3.02%
- 8Maruti Suzuki India Limited2.62%
- 9Bharti Airtel Ltd.2.42%
- 10Tata Consultancy Services Ltd.2.18%
What this fund does
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?
- •Individuals planning for retirement with a systematic long-term investment approach