Home Mf Research Hdfc Retirement Savings Fund Hybrid Equity Plan Regular Plan Growth

HDFC Retirement Savings Fund - Hybrid - Equity Plan - Regular Plan- Growth

-
-
  • 1W
  • 2W
  • 1M
  • 3M
  • 6M
  • 1Y
  • 3Y
  • 5Y
  • SI
Fund info
NAV (as on 2025-07-18)
38.84 -0.41%
AUM (Fund Size)
N/A
Expense Ratio
2.09%
Exit load
1% if redeemed before 60 years
Risk
N/A
AMC
HDFC Mutual Fund
View AMC Details

SIP Returns

Period Invested for ₹1000 SIP Started on Investments Latest Value Abs. Returns
One Week 2025-07-11 ₹1,000.00 ₹998.46
-0.15 %
Two Week 2025-07-03 ₹1,000.00 ₹993.17
-0.68 %
One Month 2025-06-18 ₹1,000.00 ₹1,008.36
0.84 %
Three Months 2025-04-21 ₹3,000.00 ₹3,063.65
2.12 %
Six Months 2025-01-20 ₹6,000.00 ₹6,291.26
4.85 %
One Year 2024-07-18 ₹12,000.00 ₹12,459.85
3.83 %
Three Year 2022-07-19 ₹36,000.00 ₹44,675.85
24.10 %
Five Year 2020-07-20 ₹60,000.00 ₹87,531.63
45.89 %
Since Inception 2016-02-05 ₹116,000.00 ₹234,486.22
102.14 %

Return Calculator

SIP Amount
1M
6M
1Y
3Y
5Y
Investment
₹0
Maturity Value
₹0
Abs. Returns
0
Current CAGR
0

Portfolio

Allocation of Equity and Debt Asset Classes.

Equity 185%
Debt 49%
Others 0%

Sectors Holding in HDFC Retirement Savings Fund - Hybrid - Equity Plan - Regular Plan- Growth

Banks
81%
Petroleum Products
19%
IT - Software
17%
Consumer Durables
3%
Transport Infrastructure
2%
Construction
10%
Pharmaceuticals & Biotechnology
5%
Telecom - Services
10%
Beverages
3%
Finance
1%
Ferrous Metals
2%
Automobiles
9%
Non - Ferrous Metals
1%
Diversified FMCG
7%
Power
2%
Insurance
5%
Aerospace & Defense
1%
Healthcare Services
1%
Consumable Fuels
0%
Oil
0%
Cement & Cement Products
0%
Fertilizers & Agrochemicals
0%
Agricultural, Commercial & Construction Vehicles
0%
Auto Components
0%
Industrial Products
2%
Paper, Forest & Jute Products
0%
Gas
0%
Textiles & Apparels
0%
Chemicals & Petrochemicals
0%
Entertainment
0%
Leisure Services
1%
Other
49%
Realty
0%
Commercial Services & Supplies
1%
Personal Products
0%
Industrial Manufacturing
0%
Retailing
0%
Transport Services
2%
Media
0%
Electrical Equipment
0%
Capital Markets
0%
Agricultural Food & Other Products
0%
IT - Services
0%
IND - AA+
0%

Companies Holding in HDFC Retirement Savings Fund - Hybrid - Equity Plan - Regular Plan- Growth

HDFC Bank Ltd.
9.10%
Reliance Industries Ltd.
6.12%
ICICI Bank Ltd.
5.40%
Infosys Limited
3.18%
Titan Company Ltd.
3.07%
Adani Ports & Special Economic Zone
2.65%
Larsen And Toubro Ltd.
2.39%
Sun Pharmaceutical Industries Ltd.
2.17%
Bharti Airtel Ltd.
1.91%
United Spirits Limited
1.89%
Bajaj Finance Ltd.
1.68%
State Bank Of India
1.61%
Tata Steel Ltd.
1.53%
Axis Bank Ltd.
1.50%
Maruti Suzuki India Limited
1.43%
Tata Consultancy Services Ltd.
1.31%
Hindalco Industries Ltd.
1.18%
Hindustan Unilever Ltd.
1.11%
Hyundai Motor India Limited
1.00%
Kotak Mahindra Bank Limited
0.98%
NTPC Limited
0.93%
HCL Technologies Ltd.
0.83%
ITC LIMITED
0.75%
HDFC Life Insurance Company Limited
0.67%
Cipla Ltd.
0.62%
Mahindra & Mahindra Ltd.
0.62%
SBI Life Insurance Company Ltd.
0.59%
Max Financial Services Ltd.
0.54%
Tata Motors Ltd.
0.53%
Power Grid Corporation Of India Ltd.
0.52%
Eicher Motors Ltd.
0.48%
Bajaj Auto Limited
0.47%
Lupin Ltd.
0.47%
Hindustan Aeronautics Limited
0.45%
Apollo Hospitals Enterprise Ltd.
0.44%
Coal India Ltd.
0.43%
Oil & Natural Gas Corporation Ltd.
0.43%
UltraTech Cement Limited
0.43%
Kalpataru Projects International Ltd
0.41%
Paradeep Phosphates Limited
0.37%
Bharat Petroleum Corporation Ltd.
0.34%
Gujarat Pipavav Port Ltd.
0.34%
Ambuja Cements Ltd.
0.33%
BEML Limited
0.31%
Hindustan Petroleum Corp. Ltd.
0.30%
Greenply Industries Ltd.
0.27%
Ipca Laboratories Ltd.
0.26%
CIE Automotive India Ltd
0.24%
Finolex Industries Ltd.
0.24%
Mahindra & Mahindra Financial Services Ltd.
0.01%
JK Paper Ltd.
0.23%
Star Health And Allied Insurance Company Ltd
0.22%
Suprajit Engineering Ltd.
0.22%
Symphony Ltd.
0.22%
Gujarat Gas Ltd.
0.21%
Bayer Cropscience Ltd
0.20%
Biocon Ltd.
0.20%
Gland Pharma Ltd.
0.20%
National Aluminium Co. Ltd.
0.20%
Vardhman Textiles Ltd.
0.18%
Aurobindo Pharma Ltd.
0.17%
Goodyear India Ltd.
0.17%
Chemplast Sanmar Limited
0.16%
Ashoka Buildcon Ltd.
0.12%
PVR LIMITED
0.12%
Wipro Ltd.
0.09%
Ola Electric Mobility Limited
0.07%
Coforge Limited
0.05%
ITC Hotels Limited
0.03%
7.18% GOI MAT 140833
2.50%
7.1% GOI MAT 180429
2.07%
7.17% GOI MAT 170430
1.14%
7.38% GOI MAT 200627
0.98%
7.23% GOI MAT 150439
0.87%
7.1% GOI MAT 080434
0.57%
7.06% GOI MAT 100428
0.19%
7.34% GOI MAT 220464
0.19%
7.18% GOI MAT 240737
0.15%
7.26% GOI MAT 060233
0.10%
6.54% GOI MAT 170132
0.09%
Floating Rate GOI 2028
0.09%
State Bank Of India (Tier 2 - Basel III)
1.28%
LIC Housing Finance Ltd.
0.92%
SMFG India Credit Company Ltd
0.92%
Cholamandalam Investment & Finance Co. Ltd.
0.65%
Bajaj Housing Finance Ltd.
0.63%
National Bank For Agri & Rural Dev.
0.18%
Pipeline Infrastructure Pvt. Ltd.
0.56%
Bharti Telecom Limited
0.55%
Power Finance Corporation Ltd.
0.19%
Muthoot Finance Ltd.
0.09%
Small Industries Development Bank
0.09%
Bajaj Finance Ltd.
0.45%
HDFC ERGO General Insurance Co. Ltd.
0.45%
REC Limited.
0.26%
Bank Of Baroda (Tier 2 - Basel III)
0.09%
Tata Capital Ltd.
0.09%
POWERGRID Infrastructure Investment Trust
0.55%
Embassy Office Parks REIT
0.83%
BROOKFIELD INDIA REAL ESTATE TRUST
0.77%
Punjab National Bank
1.74%
TREPS - Tri-party Repo
5.08%
Net Current Assets
0.69%
#N/A
0.03%
ICICI Bank Ltd.
8.63%
HDFC Bank Ltd.
7.51%
Bharti Airtel Ltd.
4.55%
Reliance Industries Ltd.
4.27%
State Bank Of India
3.72%
Infosys Limited
3.42%
Larsen And Toubro Ltd.
3.36%
ITC LIMITED
3.20%
Axis Bank Ltd.
2.45%
Kotak Mahindra Bank Limited
2.17%
Zensar Technologies Ltd.
1.90%
Hindustan Petroleum Corp. Ltd.
1.86%
SKF India Ltd.
1.81%
Eris Lifesciences Ltd
1.59%
Redington Ltd.
1.56%
United Spirits Limited
1.50%
Tata Consultancy Services Ltd.
1.42%
KEC International Ltd.
1.24%
Krishna Institute Of Medical Sciences Limited
1.17%
Mahindra Holidays & Resorts Ind Ltd.
1.00%
Godrej Consumer Products Ltd.
0.95%
PNC Infratech Ltd.
0.88%
Dabur India Ltd.
0.72%
Vardhman Textiles Ltd.
0.72%
JK Tyre & Industries Limited
0.64%
GMM Pfaudler Limited
0.56%
Aurobindo Pharma Ltd.
0.54%
Eternal Limited
0.49%
Kalpataru Projects International Ltd
0.49%
Blue Dart Express Ltd.
0.48%
Metropolis Healthcare Ltd.
0.42%
CIE Automotive India Ltd
0.33%
Gland Pharma Ltd.
0.32%
Sharda Cropchem Ltd.
0.26%
AkzoNobel India Ltd.
0.24%
Hyundai Motor India Limited
0.23%
MM Forgings Ltd.
0.18%
Jagran Prakashan Ltd.
0.08%
Cholamandalam Investment & Finance Co. Ltd.
0.42%
7.34% GOI MAT 220464
2.61%
7.09% GOI MAT 050854
2.53%
6.98% GOI MAT 161254
0.42%
7.64% Gujarat SDL ISD 170124 MAT 170133
0.37%
7.64% % Gujarat SDL ISD 170124 Mat 170134
0.30%
7.68% Jharkhand SDL ISD 240124 Mat 240132
0.30%
7.63% Gujarat SDL ISD 240124 Mat 240134
0.22%
7.67% Chhattisgarh SDL ISD 240124 Mat 240131
0.22%
7.68% Chattisgarh SDL ISD 170124 MAT 170132
0.22%
7.09% Andhra Pradesh SDL ISD 260325 MAT 260335
0.11%
6.88% Andhra Pradesh SDL ISD 040425 MAT 040440
0.10%
7.66% RAJASTHAN SDL ISD 240124 Mat 240131
0.09%
8.13% GOI MAT 220645
0.07%
7.1% GOI MAT 270128
0.06%
Floating Rate GOI 2033
0.06%
7.63% Gujarat SDL ISD 240124 Mat 240133
0.04%
Bajaj Finance Ltd.
0.21%
HDFC Bank Ltd.
0.21%
LIC Housing Finance Ltd.
0.05%
National Bank For Financing Infrastructure And Development
0.10%
State Bank Of India (Tier 2 - Basel III)
0.42%
The Tata Power Company Ltd.
0.66%
DME Development Limited
0.64%
HDB Financial Services Ltd.
0.60%
Muthoot Finance Ltd.
0.21%
Power Grid Corporation Of India Ltd.
0.33%
Indian Railways Finance Corp. Ltd.
0.11%
Mahanagar Telephone Nigam Ltd.
0.42%
National Bank For Agri & Rural Dev.
0.10%
Small Industries Development Bank
0.10%
Kotak Mahindra Investments Ltd.
0.41%
Power Finance Corporation Ltd.
0.19%
State Bank Of India
0.07%
Kotak Mahindra Prime Ltd.
0.21%
REC Limited.
0.06%
Indian Oil Corporation Ltd.
0.11%
Nuclear Power Corporation Of India Ltd.
0.11%
Housing And Urban Development Corporation Ltd.
0.10%
Jio Credit Ltd
0.10%
TMF Holdings Ltd.
0.52%
POWERGRID Infrastructure Investment Trust
0.20%
BROOKFIELD INDIA REAL ESTATE TRUST
0.81%
TREPS - Tri-party Repo
1.37%
HDFC NIFTY 50 ETF
1.45%
Net Current Assets
0.96%
HDFC Bank Ltd.
9.01%
ICICI Bank Ltd.
7.15%
Axis Bank Ltd.
4.42%
Reliance Industries Ltd.
4.39%
Bharti Airtel Ltd.
3.15%
Maruti Suzuki India Limited
2.57%
Kotak Mahindra Bank Limited
2.56%
State Bank Of India
2.51%
Infosys Limited
2.41%
HCL Technologies Ltd.
2.15%
ITC LIMITED
2.13%
Larsen And Toubro Ltd.
2.13%
InterGlobe Aviation Ltd.
1.81%
Bajaj Auto Limited
1.60%
Tata Consultancy Services Ltd.
1.60%
Cipla Ltd.
1.58%
Power Grid Corporation Of India Ltd.
1.48%
ICICI Lombard General Insurance Co
1.45%
Hindustan Petroleum Corp. Ltd.
1.27%
Eicher Motors Ltd.
1.24%
HDFC Life Insurance Company Limited
1.20%
Transport Corporation Of India Ltd.
1.18%
United Spirits Limited
1.17%
Max Financial Services Ltd.
1.16%
Jindal Steel & Power Ltd.
1.03%
Tata Steel Ltd.
0.99%
Voltamp Transformers Ltd.
0.96%
Godrej Consumer Products Ltd.
0.89%
Delhivery Limited
0.88%
Dr. Lal Path Labs Ltd
0.86%
Gland Pharma Ltd.
0.86%
The Anup Engineering Limited
0.86%
Havells India Ltd.
0.83%
Apollo Hospitals Enterprise Ltd.
0.80%
Kalpataru Projects International Ltd
0.77%
Gujarat State Petronet Ltd.
0.76%
Bajaj Electricals Ltd.
0.74%
Mahindra & Mahindra Ltd.
0.74%
Finolex Cables Ltd.
0.68%
AkzoNobel India Ltd.
0.65%
Crisil Limited
0.65%
Greenply Industries Ltd.
0.62%
National Aluminium Co. Ltd.
0.60%
Ceat Ltd.
0.58%
Nippon Life India Asset Management Limited
0.57%
Mahindra & Mahindra Financial Services Ltd.
0.02%
Symphony Ltd.
0.56%
Star Health And Allied Insurance Company Ltd
0.55%
Finolex Industries Ltd.
0.54%
Gateway Distriparks Limited
0.54%
Aurobindo Pharma Ltd.
0.53%
Creditaccess Grameen Limited
0.53%
VRL Logistics Ltd.
0.49%
PNC Infratech Ltd.
0.46%
Tata Motors Ltd.
0.44%
Chambal Fertilizers & Chemicals Ltd.
0.43%
Great Eastern Shipping Company Ltd.
0.43%
Mahindra Holidays & Resorts Ind Ltd.
0.42%
PVR LIMITED
0.42%
Balrampur Chini Mills Ltd.
0.40%
Tamilnadu Newsprint & Papers Ltd.
0.40%
Dr Reddys Laboratories Ltd.
0.39%
Equitas Small Finance Bank Ltd
0.39%
Torrent Pharmaceuticals Ltd.
0.39%
Prestige Estates Projects Ltd.
0.38%
GNA Axles Ltd.
0.36%
Timken India Ltd.
0.34%
Cyient Ltd.
0.33%
KEC International Ltd.
0.26%
Carborundum Universal Ltd.
0.23%
Nilkamal Ltd.
0.20%
Redington Ltd.
0.20%
ITC Hotels Limited
0.09%
Embassy Office Parks REIT
0.77%
TREPS - Tri-party Repo
10.06%
Net Current Assets
0.25%
HDFC Bank Ltd.
7.04%
ICICI Bank Ltd.
6.11%
Reliance Industries Ltd.
3.43%
Axis Bank Ltd.
2.88%
State Bank Of India
2.45%
Kotak Mahindra Bank Limited
2.38%
Bharti Airtel Ltd.
2.24%
Maruti Suzuki India Limited
2.23%
Larsen And Toubro Ltd.
2.00%
Infosys Limited
1.95%
ITC LIMITED
1.77%
HCL Technologies Ltd.
1.73%
Tata Consultancy Services Ltd.
1.46%
Cipla Ltd.
1.33%
Bajaj Auto Limited
1.30%
Power Grid Corporation Of India Ltd.
1.22%
ICICI Lombard General Insurance Co
1.13%
Vesuvius India Ltd.
1.07%
Hindustan Aeronautics Limited
1.05%
Max Financial Services Ltd.
1.04%
HDFC Life Insurance Company Limited
0.94%
United Spirits Limited
0.92%
City Union Bank Ltd.
0.83%
Tata Steel Ltd.
0.78%
Alembic Pharmaceuticals Limited
0.77%
Crompton Greaves Consumer Elec. Ltd.
0.75%
Suprajit Engineering Ltd.
0.75%
Transport Corporation Of India Ltd.
0.75%
Godrej Consumer Products Ltd.
0.74%
Hindustan Petroleum Corp. Ltd.
0.74%
Havells India Ltd.
0.69%
The Anup Engineering Limited
0.67%
SBI Life Insurance Company Ltd.
0.66%
Voltamp Transformers Ltd.
0.65%
Kalpataru Projects International Ltd
0.62%
SKF India Ltd.
0.62%
Gujarat State Petronet Ltd.
0.60%
Lumax Industries Ltd
0.60%
Dr. Lal Path Labs Ltd
0.59%
Gland Pharma Ltd.
0.55%
Bajaj Electricals Ltd.
0.54%
CIE Automotive India Ltd
0.54%
Mahindra & Mahindra Ltd.
0.54%
Bayer Cropscience Ltd
0.51%
National Aluminium Co. Ltd.
0.51%
Aurobindo Pharma Ltd.
0.48%
Mahindra & Mahindra Financial Services Ltd.
0.01%
Goodyear India Ltd.
0.45%
Equitas Small Finance Bank Ltd
0.44%
Procter & Gamble Health Ltd.
0.42%
Finolex Industries Ltd.
0.39%
UTI Asset Management Company Ltd
0.39%
Balrampur Chini Mills Ltd.
0.36%
Sonata Software Ltd.
0.35%
Tamilnadu Newsprint & Papers Ltd.
0.34%
GNA Axles Ltd.
0.33%
Mahindra Holidays & Resorts Ind Ltd.
0.31%
PVR LIMITED
0.30%
Wipro Ltd.
0.30%
Cyient Ltd.
0.28%
Timken India Ltd.
0.28%
KEC International Ltd.
0.20%
Rolex Rings Limited
0.19%
Torrent Pharmaceuticals Ltd.
0.19%
Popular Vehicles And Services Limited
0.18%
OCCL Limited
0.17%
Nilkamal Ltd.
0.16%
Redington Ltd.
0.16%
ITC Hotels Limited
0.08%
7.26% GOI MAT 220832
1.93%
6.1% GOI MAT 120731
1.88%
7.18% GOI MAT 240737
1.61%
7.18% GOI MAT 140833
1.60%
7.26% GOI MAT 060233
1.28%
7.57% GOI MAT 170633
0.82%
6.67% GOI MAT 171250
0.60%
Power Finance Corporation Ltd.
1.56%
Muthoot Finance Ltd.
1.52%
State Bank Of India (Tier 2 - Basel III)
1.23%
Mahindra Rural Housing Finance Ltd
0.94%
Power Grid Corporation Of India Ltd.
0.31%
Embassy Office Parks REIT
0.81%
TREPS - Tri-party Repo
13.47%
Net Current Assets
0.54%

Risk Ratios

Std. Deviation N/A
Beta N/A
Sharpe Ratio N/A
Lock In Period N/A
Residual Maturity 4.60

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

Min. SIP Amount
N/A
Min. Lumpsum Amount
N/A
AUM (in Cr.)
N/A
Expense Ratio Regular
2.09
Expense Ratio Direct
0.91
Lock-in Period
N/A
Fund Age
N/A
Benchmark
N/A
Fund managers
Shobhit Mehrotra
31 years Experience
Srinivasan Ramamurthy
17 years Experience
Dhruv Muchhal
10 years Experience
Srinivasan Ramamurthy
Over 17 years Experience
Anil Bamboli
Over 30 years Experience
Arun Agarwal
Over 25 years Experience
Nirman Morakhia
Over 16 years Experience
Chirag Setalvad
27 years Experience
Anupam Joshi
18 years Experience
Dhruv Muchhal
Over 10 years Experience

Exit load

1% if redeemed before 60 years

FAQs

Is a Mutual Fund with a Lower NAV Better?
What Are the Charges in Mutual Fund Investments?
What Are the Tax Benefits of Mutual Funds?
Is It a Good Time to Invest in Mutual Funds?
What Is the Difference Between Dividend and Growth Plans?
Should I Invest in Infrastructure Funds?
What Are Sector-Specific Funds/Schemes?
What Happens If I Miss an SIP Payment?
How Can I Compare Different Mutual Funds?