HDFC Retirement Savings Fund - Hybrid-Equity Plan - Growth Option
₹36.3580
₹0.33 (-0.89%)
NAV as of 29 May 2026
Today's NAV — all variants
Regular · Growth
₹₹36.3580
₹0.33 (-0.89%)
29 May 2026
AMFI: 136463
Direct · Growth
₹₹41.6670
₹0.37 (-0.88%)
29 May 2026
AMFI: 136464
Returns (Lumpsum)
CAGR for periods ≥ 1 yearSIP Returns (XIRR)
₹1,000/month SIP, annualisedSIP since inception — what ₹100/month became
Real NAV backtest from day one
₹12,300
Invested
₹22,406
Value today
11.3%
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
₹367
Value today
13.4%
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
₹6,15,000
Withdrawn
₹25,48,186
Corpus left
+₹21,63,186 net gain — withdrew ₹6,15,000 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
₹18,76,838
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 NAVThis fund trailed its benchmark
Top performers in Retirement Fund by 5Y CAGR
ICICI Prudential Retirement Fund - Pure Equity - Growth Option
ICICI Prudential Retirement Fund - Hybrid Aggressive - Growth Option
HDFC Retirement Savings Fund - Equity Plan - Growth Option
₹1 lakh on the worst crash day — 22 Mar 2020
Worst single-day Nifty drop during this fund's life
₹1,00,000
Invested
₹2,87,884
Value today
2.9×
Multiple
Staying invested through that crash turned ₹1L into ₹2,87,884 — a 2.9× return
Read: Staying invested through crashesDirect vs Regular — ₹500/month over 10 years
Expense ratio drag on your actual returns
Direct plan
₹1,17,087
Regular plan
₹1,08,543
Direct earns ₹8,544 more on a ₹60K investment — 1.42% extra return per year
Same fund, same NAV history — only the expense ratio differs. Direct plans always outperform Regular over time.
Learn about Direct vs Regular plansFund Details
Risk Metrics
Trailing 1 year, annualised-0.88
Sharpe Ratio
-0.08
Alpha
0.32
Beta
-0.84
Sortino
9.93%
Std Dev
-12.35%
Max Drawdown
Portfolio Holdings
Top 50 holdings · as of Apr 2026
| Security | % NAV |
|---|---|
HDFC Bank Ltd.£ INE040A01034 | 5.73% |
ICICI Bank Ltd. INE090A01021 | 5.47% |
Bajaj Finance Ltd.^ INE296A07SY5 | 4.34% |
Reliance Industries Ltd. INE002A01018 | 3.98% |
State Bank of India INE062A01020 | 3.31% |
Axis Bank Ltd. INE238A01034 | 3.14% |
Kotak Mahindra Bank Limited INE237A01036 | 2.85% |
Maruti Suzuki India Limited INE585B01010 | 2.47% |
Bharti Airtel Ltd. INE397D01024 | 2.33% |
Tata Consultancy Services Ltd. INE467B01029 | 2.30% |
Infosys Limited INE009A01021 | 2.19% |
Power Grid Corporation of India Ltd. INE752E01010 | 1.97% |
7.26% GOI MAT 220832 IN0020220060 | 1.88% |
Larsen and Toubro Ltd. INE018A01030 | 1.86% |
6.1% GOI MAT 120731 IN0020210095 | 1.86% |
7.18% GOI MAT 140833 IN0020230085 | 1.56% |
7.18% GOI MAT 240737 IN0020230077 | 1.55% |
Bajaj Housing Finance Ltd.^ INE377Y07540 | 1.51% |
HCL Technologies Ltd. INE860A01027 | 1.48% |
ITC LIMITED INE154A01025 | 1.36% |
7.26% GOI MAT 060233 IN0020220151 | 1.25% |
Bajaj Auto Limited INE917I01010 | 1.24% |
City Union Bank Ltd. INE491A01021 | 1.17% |
Max Financial Services Ltd. INE180A01020 | 1.13% |
Dr. Lal Path Labs Ltd INE600L01024 | 1.10% |
ICICI Lombard General Insurance Co INE765G01017 | 1.09% |
Havells India Ltd. INE176B01034 | 1.00% |
Alkem Laboratories Ltd. INE540L01014 | 1.00% |
Vesuvius India Ltd. INE386A01023 | 0.96% |
Mahindra Rural Housing Finance Ltd^ INE950O07396 | 0.94% |
Lumax Industries Ltd INE162B01018 | 0.94% |
Embassy Office Parks REIT INE041025011 | 0.92% |
Tata Steel Ltd. INE081A01020 | 0.92% |
NTPC Limited INE733E01010 | 0.86% |
SBI Life Insurance Company Ltd. INE123W01016 | 0.84% |
Cipla Ltd. INE059A01026 | 0.81% |
7.57% GOI MAT 170633^ IN0020190065 | 0.80% |
Creditaccess Grameen Limited INE741K01010 | 0.80% |
Suprajit Engineering Ltd. INE399C01030 | 0.76% |
United Spirits Limited INE854D01024 | 0.74% |
SKF India Ltd. INE640A01023 | 0.74% |
HDFC Life Insurance Company Limited INE795G01014 | 0.73% |
Voltamp Transformers Ltd. INE540H01012 | 0.73% |
Blue Dart Express Ltd. INE233B01017 | 0.68% |
Balkrishna Industries Ltd. INE787D01026 | 0.67% |
Godrej Consumer Products Ltd. INE102D01028 | 0.66% |
Transport Corporation of India Ltd. INE688A01022 | 0.63% |
Kalpataru Projects International Ltd INE220B01022 | 0.63% |
Crompton Greaves Consumer Elec. Ltd. INE299U01018 | 0.59% |
CIE Automotive India Ltd INE536H01010 | 0.59% |
Performance Comparison
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Investment Objective
HDFC Retirement Savings Fund - Hybrid-Equity Plan - Growth Option 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 Plan - Growth Option 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