HDFC Retirement Savings Fund - Equity Plan - Regular Plan - Growth
Solution Oriented
Solution Oriented Retirement
Fund House : HDFC Mutual Fund
-
-
- 1W
- 2W
- 1M
- 3M
- 6M
- 1Y
- 3Y
- 5Y
- SI
NAV (as on
2025-06-20)
50.40 0.87%
Fund Size (Total
Assets)
-
Expense Ratio
(Regular)
1.92%
Expense Ratio
(Direct)
0.94%
SIP Returns
| Period Invested for | ₹1000 SIP Started on | Investments | Latest Value | Abs. Returns |
|---|---|---|---|---|
| One Week | 2025-06-13 | ₹1,000.00 | ₹1,007.31 |
0.73 %
|
| Two Week | 2025-06-05 | ₹1,000.00 | ₹1,004.36 |
0.44 %
|
| One Month | 2025-05-21 | ₹1,000.00 | ₹1,007.17 |
0.72 %
|
| Three Months | 2025-03-24 | ₹3,000.00 | ₹3,093.95 |
3.13 %
|
| Six Months | 2024-12-23 | ₹6,000.00 | ₹6,294.21 |
4.90 %
|
| One Year | 2024-06-20 | ₹12,000.00 | ₹12,399.97 |
3.33 %
|
| Three Year | 2022-06-21 | ₹36,000.00 | ₹47,399.45 |
31.67 %
|
| Five Year | 2020-06-22 | ₹60,000.00 | ₹100,718.05 |
67.86 %
|
| Since Inception | 2016-02-05 | ₹115,000.00 | ₹283,574.26 |
146.59 %
|
Portfolio Summary
| Company Name | Sector | Sector Type | Nav(in %) |
|---|---|---|---|
| HDFC Bank Ltd. | Banks | Equity | 9.10 |
| Reliance Industries Ltd. | Petroleum Products | Equity | 6.12 |
| ICICI Bank Ltd. | Banks | Equity | 5.40 |
| Infosys Limited | IT - Software | Equity | 3.18 |
| Titan Company Ltd. | Consumer Durables | Equity | 3.07 |
| Adani Ports & Special Economic Zone | Transport Infrastructure | Equity | 2.65 |
| Larsen and Toubro Ltd. | Construction | Equity | 2.39 |
| Sun Pharmaceutical Industries Ltd. | Pharmaceuticals & Biotechnology | Equity | 2.17 |
| Bharti Airtel Ltd. | Telecom - Services | Equity | 1.91 |
| United Spirits Limited | Beverages | Equity | 1.89 |
| Bajaj Finance Ltd. | Finance | Equity | 1.68 |
| State Bank of India | Banks | Equity | 1.61 |
| Tata Steel Ltd. | Ferrous Metals | Equity | 1.53 |
| Axis Bank Ltd. | Banks | Equity | 1.50 |
| Maruti Suzuki India Limited | Automobiles | Equity | 1.43 |
| Tata Consultancy Services Ltd. | IT - Software | Equity | 1.31 |
| Hindalco Industries Ltd. | Non - Ferrous Metals | Equity | 1.18 |
| Hindustan Unilever Ltd. | Diversified FMCG | Equity | 1.11 |
| Hyundai Motor India Limited | Automobiles | Equity | 1.00 |
| Kotak Mahindra Bank Limited | Banks | Equity | 0.98 |
| NTPC Limited | Power | Equity | 0.93 |
| HCL Technologies Ltd. | IT - Software | Equity | 0.83 |
| ITC LIMITED | Diversified FMCG | Equity | 0.75 |
| HDFC Life Insurance Company Limited | Insurance | Equity | 0.67 |
| Cipla Ltd. | Pharmaceuticals & Biotechnology | Equity | 0.62 |
| Mahindra & Mahindra Ltd. | Automobiles | Equity | 0.62 |
| SBI Life Insurance Company Ltd. | Insurance | Equity | 0.59 |
| Max Financial Services Ltd. | Insurance | Equity | 0.54 |
| Tata Motors Ltd. | Automobiles | Equity | 0.53 |
| Power Grid Corporation of India Ltd. | Power | Equity | 0.52 |
| Eicher Motors Ltd. | Automobiles | Equity | 0.48 |
| Bajaj Auto Limited | Automobiles | Equity | 0.47 |
| Lupin Ltd. | Pharmaceuticals & Biotechnology | Equity | 0.47 |
| Hindustan Aeronautics Limited | Aerospace & Defense | Equity | 0.45 |
| Apollo Hospitals Enterprise Ltd. | Healthcare Services | Equity | 0.44 |
| Coal India Ltd. | Consumable Fuels | Equity | 0.43 |
| Oil & Natural Gas Corporation Ltd. | Oil | Equity | 0.43 |
| UltraTech Cement Limited | Cement & Cement Products | Equity | 0.43 |
| Kalpataru Projects International Ltd | Construction | Equity | 0.41 |
| Paradeep Phosphates Limited | Fertilizers & Agrochemicals | Equity | 0.37 |
| Bharat Petroleum Corporation Ltd. | Petroleum Products | Equity | 0.34 |
| Gujarat Pipavav Port Ltd. | Transport Infrastructure | Equity | 0.34 |
| Ambuja Cements Ltd. | Cement & Cement Products | Equity | 0.33 |
| BEML Limited | Agricultural, Commercial & Construction Vehicles | Equity | 0.31 |
| Hindustan Petroleum Corp. Ltd. | Petroleum Products | Equity | 0.30 |
| Greenply Industries Ltd. | Consumer Durables | Equity | 0.27 |
| Ipca Laboratories Ltd. | Pharmaceuticals & Biotechnology | Equity | 0.26 |
| CIE Automotive India Ltd | Auto Components | Equity | 0.24 |
| Finolex Industries Ltd. | Industrial Products | Equity | 0.24 |
| Mahindra & Mahindra Financial Services Ltd. | Finance | Equity | 0.01 |
| JK Paper Ltd. | Paper, Forest & Jute Products | Equity | 0.23 |
| Star Health and Allied Insurance Company Ltd | Insurance | Equity | 0.22 |
| Suprajit Engineering Ltd. | Auto Components | Equity | 0.22 |
| Symphony Ltd. | Consumer Durables | Equity | 0.22 |
| Gujarat Gas Ltd. | Gas | Equity | 0.21 |
| Bayer Cropscience Ltd | Fertilizers & Agrochemicals | Equity | 0.20 |
| Biocon Ltd. | Pharmaceuticals & Biotechnology | Equity | 0.20 |
| Gland Pharma Ltd. | Pharmaceuticals & Biotechnology | Equity | 0.20 |
| National Aluminium Co. Ltd. | Non - Ferrous Metals | Equity | 0.20 |
| Vardhman Textiles Ltd. | Textiles & Apparels | Equity | 0.18 |
| Aurobindo Pharma Ltd. | Pharmaceuticals & Biotechnology | Equity | 0.17 |
| Goodyear India Ltd. | Auto Components | Equity | 0.17 |
| Chemplast Sanmar Limited | Chemicals & Petrochemicals | Equity | 0.16 |
| Ashoka Buildcon Ltd. | Construction | Equity | 0.12 |
| PVR LIMITED | Entertainment | Equity | 0.12 |
| Wipro Ltd. | IT - Software | Equity | 0.09 |
| Ola Electric Mobility Limited | Automobiles | Equity | 0.07 |
| Coforge Limited | IT - Software | Equity | 0.05 |
| ITC Hotels Limited | Leisure Services | Equity | 0.03 |
| 7.18% GOI MAT 140833 | - | Debt | 2.50 |
| 7.1% GOI MAT 180429 | - | Debt | 2.07 |
| 7.17% GOI MAT 170430 | - | Debt | 1.14 |
| 7.38% GOI MAT 200627 | - | Debt | 0.98 |
| 7.23% GOI MAT 150439 | - | Debt | 0.87 |
| 7.1% GOI MAT 080434 | - | Debt | 0.57 |
| 7.06% GOI MAT 100428 | - | Debt | 0.19 |
| 7.34% GOI MAT 220464 | - | Debt | 0.19 |
| 7.18% GOI MAT 240737 | - | Debt | 0.15 |
| 7.26% GOI MAT 060233 | - | Debt | 0.10 |
| 6.54% GOI MAT 170132 | - | Debt | 0.09 |
| Floating Rate GOI 2028 | - | Debt | 0.09 |
| State Bank of India (Tier 2 - Basel III) | - | Debt | 1.28 |
| LIC Housing Finance Ltd. | - | Debt | 0.92 |
| SMFG India Credit Company Ltd | - | Debt | 0.92 |
| Cholamandalam Investment & Finance Co. Ltd. | - | Debt | 0.65 |
| Bajaj Housing Finance Ltd. | - | Debt | 0.63 |
| National Bank for Agri & Rural Dev. | - | Debt | 0.18 |
| Pipeline Infrastructure Pvt. Ltd. | - | Debt | 0.56 |
| Bharti Telecom Limited | - | Debt | 0.55 |
| Power Finance Corporation Ltd. | - | Debt | 0.19 |
| Muthoot Finance Ltd. | - | Debt | 0.09 |
| Small Industries Development Bank | - | Debt | 0.09 |
| Bajaj Finance Ltd. | - | Debt | 0.45 |
| HDFC ERGO General Insurance Co. Ltd. | - | Debt | 0.45 |
| REC Limited. | - | Debt | 0.26 |
| Bank of Baroda (Tier 2 - Basel III) | - | Debt | 0.09 |
| Tata Capital Ltd. | - | Debt | 0.09 |
| POWERGRID Infrastructure Investment Trust | Power | Real Estate | 0.55 |
| Embassy Office Parks REIT | Realty | Real Estate | 0.83 |
| BROOKFIELD INDIA REAL ESTATE TRUST | Realty | Real Estate | 0.77 |
| Punjab National Bank | - | Debt | 1.74 |
| TREPS - Tri-party Repo | - | Debt | 5.08 |
| Net Current Assets | - | - | 0.69 |
| #N/A | - | - | 0.03 |
| HDFC Bank Ltd. | Banks | Equity | 9.01 |
| ICICI Bank Ltd. | Banks | Equity | 7.15 |
| Axis Bank Ltd. | Banks | Equity | 4.42 |
| Reliance Industries Ltd. | Petroleum Products | Equity | 4.39 |
| Bharti Airtel Ltd. | Telecom - Services | Equity | 3.15 |
| Maruti Suzuki India Limited | Automobiles | Equity | 2.57 |
| Kotak Mahindra Bank Limited | Banks | Equity | 2.56 |
| State Bank of India | Banks | Equity | 2.51 |
| Infosys Limited | IT - Software | Equity | 2.41 |
| HCL Technologies Ltd. | IT - Software | Equity | 2.15 |
| ITC LIMITED | Diversified FMCG | Equity | 2.13 |
| Larsen and Toubro Ltd. | Construction | Equity | 2.13 |
| InterGlobe Aviation Ltd. | Transport Services | Equity | 1.81 |
| Bajaj Auto Limited | Automobiles | Equity | 1.60 |
| Tata Consultancy Services Ltd. | IT - Software | Equity | 1.60 |
| Cipla Ltd. | Pharmaceuticals & Biotechnology | Equity | 1.58 |
| Power Grid Corporation of India Ltd. | Power | Equity | 1.48 |
| ICICI Lombard General Insurance Co | Insurance | Equity | 1.45 |
| Hindustan Petroleum Corp. Ltd. | Petroleum Products | Equity | 1.27 |
| Eicher Motors Ltd. | Automobiles | Equity | 1.24 |
| HDFC Life Insurance Company Limited | Insurance | Equity | 1.20 |
| Transport Corporation of India Ltd. | Transport Services | Equity | 1.18 |
| United Spirits Limited | Beverages | Equity | 1.17 |
| Max Financial Services Ltd. | Insurance | Equity | 1.16 |
| Jindal Steel & Power Ltd. | Ferrous Metals | Equity | 1.03 |
| Tata Steel Ltd. | Ferrous Metals | Equity | 0.99 |
| Voltamp Transformers Ltd. | Electrical Equipment | Equity | 0.96 |
| Godrej Consumer Products Ltd. | Personal Products | Equity | 0.89 |
| Delhivery Limited | Transport Services | Equity | 0.88 |
| Dr. Lal Path Labs Ltd | Healthcare Services | Equity | 0.86 |
| Gland Pharma Ltd. | Pharmaceuticals & Biotechnology | Equity | 0.86 |
| The Anup Engineering Limited | Industrial Manufacturing | Equity | 0.86 |
| Havells India Ltd. | Consumer Durables | Equity | 0.83 |
| Apollo Hospitals Enterprise Ltd. | Healthcare Services | Equity | 0.80 |
| Kalpataru Projects International Ltd | Construction | Equity | 0.77 |
| Gujarat State Petronet Ltd. | Gas | Equity | 0.76 |
| Bajaj Electricals Ltd. | Consumer Durables | Equity | 0.74 |
| Mahindra & Mahindra Ltd. | Automobiles | Equity | 0.74 |
| Finolex Cables Ltd. | Industrial Products | Equity | 0.68 |
| AkzoNobel India Ltd. | Consumer Durables | Equity | 0.65 |
| Crisil Limited | Finance | Equity | 0.65 |
| Greenply Industries Ltd. | Consumer Durables | Equity | 0.62 |
| National Aluminium Co. Ltd. | Non - Ferrous Metals | Equity | 0.60 |
| Ceat Ltd. | Auto Components | Equity | 0.58 |
| Nippon Life India Asset Management Limited | Capital Markets | Equity | 0.57 |
| Mahindra & Mahindra Financial Services Ltd. | Finance | Equity | 0.02 |
| Symphony Ltd. | Consumer Durables | Equity | 0.56 |
| Star Health and Allied Insurance Company Ltd | Insurance | Equity | 0.55 |
| Finolex Industries Ltd. | Industrial Products | Equity | 0.54 |
| Gateway Distriparks Limited | Transport Services | Equity | 0.54 |
| Aurobindo Pharma Ltd. | Pharmaceuticals & Biotechnology | Equity | 0.53 |
| Creditaccess Grameen Limited | Finance | Equity | 0.53 |
| VRL Logistics Ltd. | Transport Services | Equity | 0.49 |
| PNC Infratech Ltd. | Construction | Equity | 0.46 |
| Tata Motors Ltd. | Automobiles | Equity | 0.44 |
| Chambal Fertilizers & Chemicals Ltd. | Fertilizers & Agrochemicals | Equity | 0.43 |
| Great Eastern Shipping Company Ltd. | Transport Services | Equity | 0.43 |
| Mahindra Holidays & Resorts Ind Ltd. | Leisure Services | Equity | 0.42 |
| PVR LIMITED | Entertainment | Equity | 0.42 |
| Balrampur Chini Mills Ltd. | Agricultural Food & Other Products | Equity | 0.40 |
| Tamilnadu Newsprint & Papers Ltd. | Paper, Forest & Jute Products | Equity | 0.40 |
| Dr Reddys Laboratories Ltd. | Pharmaceuticals & Biotechnology | Equity | 0.39 |
| Equitas Small Finance Bank Ltd | Banks | Equity | 0.39 |
| Torrent Pharmaceuticals Ltd. | Pharmaceuticals & Biotechnology | Equity | 0.39 |
| Prestige Estates Projects Ltd. | Realty | Equity | 0.38 |
| GNA Axles Ltd. | Auto Components | Equity | 0.36 |
| Timken India Ltd. | Industrial Products | Equity | 0.34 |
| Cyient Ltd. | IT - Services | Equity | 0.33 |
| KEC International Ltd. | Construction | Equity | 0.26 |
| Carborundum Universal Ltd. | Industrial Products | Equity | 0.23 |
| Nilkamal Ltd. | Consumer Durables | Equity | 0.20 |
| Redington Ltd. | Commercial Services & Supplies | Equity | 0.20 |
| ITC Hotels Limited | Leisure Services | Equity | 0.09 |
| Embassy Office Parks REIT | Realty | Real Estate | 0.77 |
| TREPS - Tri-party Repo | - | Debt | 10.06 |
| Net Current Assets | - | - | 0.25 |
Risk Ratios
Standard Deviation
4.774
Beta
0.94
Sharpe Ratio
0.892
Lock In Period
-
Residual Maturity
3.33
Standard Deviation:
Standard deviation numbers measure the variability or volatility of a fund's returns over a specific time period (often 3 years).
- Low standard deviation = Stable, predictable returns → Suitable for conservative investors seeking stability.
- High standard deviation = High volatility, more risk → Be cautious, suitable for risk-tolerant investors who can handle fluctuations.
Beta:
Beta measures a fund's volatility about the market or a benchmark. A lower beta means the fund's performance is less sensitive to market movements, making it more predictable compared to the market.
- Low beta = Less sensitive to market changes → Great for investors with less market exposure.
- High beta = More sensitive to market changes → Better for aggressive investors who seek higher returns but can handle market risks.
Sharpe Ratio:
The Sharpe Ratio measures how much return a fund has made compared to the risk it carries. A higher Sharpe ratio indicates better returns relative to the risk taken, meaning the fund delivers more efficiently.
- A higher Sharpe ratio indicates better risk-adjusted returns → Look for funds with higher ratios for better return efficiency.
- Use it to compare different funds' efficiency in generating returns relative to the risk taken.
Lock-In Period:
India's "lock-in period" in mutual funds encourages long-term investment, particularly in tax-saving schemes preventing redemption or selling of units.
Lock-in times for various investment types
- Most ELSS mutual fund holders hold for 3 years.
- Tax savings FDs lock in for 5 years.
- The lock-in period for 8% Government of India bond investment is 6 years.
- ULIPs must be locked in for 5 years.
- The average hedge fund holding period is 30-90 days.
- The average PPF investor holds onto their money for 15 years.
Residual Maturity:
Residual maturity is the remaining time until a security reaches its maturity date. It is an important factor for investors to consider when evaluating the risk associated with an investment.
There are two different types of residual maturity.
- Short-term residual maturity: This occurs when a security has less than a year left on its maturity.
- Long-term residual maturity: This occurs when a security has more than a year left on its remaining maturity.
Scheme Details
- Fund manager(s) : Srinivasan Ramamurthy (Over 17 years), Anil Bamboli (Over 30 years), Arun Agarwal (Over 25 years), Nirman Morakhia (Over 16 years), Srinivasan Ramamurthy (Over 17 years), Shobhit Mehrotra (Over 31 years), Dhruv Muchhal (Over 10 years),
- Expense ration regular : 1.92
- Expense ration direct : 0.94
- Launch date : -
- Benchmark : -
- Min SIP amount : -
- Max SIP amount : -
- Min investment amount (one time- first time) : ₹100.00
- Type : solution_oriented
Exit load
Exit load of 1.00% if Units are redeemed / switched out within 1 month from the date of allotment of units.
FAQs
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