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HDFC Retirement Savings Fund - Equity Plan Direct-growth
Equity
Large Cap
Very High Risk
Latest AUM
₹ 6,832.1 Cr.
NAV as on 03 aug, 2026
₹ 57.29
+20.58%
3 years annulised
This Fund
Fund Details
Fund Names
HDFC Retirement Savings Fund - Equity Plan Direct-growth
Inception Date
25 Feb 2016
Lock In
1825
Risk
Principal at very high risk
Category Average Annual Returns
0.23
Portfolio Composition Analysis
Equity
94.73%
Cash
4.68%
Portfolio Updated on: 13 Jul, 2026
Sector Allocations
Equity
Financial
Technology
Energy & Utilities
Consumer Discretionary
Healthcare
Industrials
Consumer Staples
Materials
Portfolio Updated on: 03 aug, 2026
Top 10 Holdings
| Name | Sector | Instruments | Assets |
|---|---|---|---|
| HDFC Bank Ltd | Financial | Equity | 8.57% |
| HDFC Bank Ltd | Financial | Equity | 8.39% |
| HDFC Bank Ltd | Financial | Equity | 8.50% |
| HDFC Bank Ltd | Financial | Equity | 8.50% |
| HDFC Bank Ltd | Financial | Equity | 8.67% |
| HDFC Bank Ltd | Financial | Equity | 8.52% |
| HDFC Bank Ltd | Financial | Equity | 8.52% |
| HDFC Bank Ltd | Financial | Equity | 8.03% |
| HDFC Bank Ltd | Financial | Equity | 7.62% |
| HDFC Bank Ltd | Financial | Equity | 7.47% |
Debt & Credit Risk Analysis
| Alpha | -0.24% |
| Beta | 0.85% |
| R2 | 0.97% |
| Sharpe Ratio | 0.41% |
| Standard Deviation | 13.21% |
| Sortino Ratio | 0.51% |
Returns Analysis
| Tenure | Absolute | Annualised | Category Average |
|---|---|---|---|
| 3 Months | 4.63% | NA | 3.06% |
| 6 Months | -2.00% | NA | 12.13% |
| 9 Months | -2.71% | NA | 3.39% |
| 1 Year | 1.61% | 1.61% | 0.23% |
| 2 Years | 1.53% | 0.76% | 19.05% |
| 3 Years | 40.34% | 11.96% | 17.87% |
| 5 Years | 90.69% | 13.78% | 20.71% |
| 7 Years | 240.92% | 19.15% | NA |
| 10 Years | 352.30% | 16.29% | 14.09% |
HDFC Retirement Savings Fund - Equity Plan Direct-growth is one Equity mutual fund offered by HDFC Mutual Fund. Launched on 25 Feb 2016, the fund aims a corpus to provide for pension in the form of income to the extent of the redemption value of their holding after the age of 60 years.investment predominantly in equity and equity related instruments It manages assets worth ₹6,832.1 crore as on Tue Jun 30, 2026. The expense ratio stands at 0.94%.
Arun Agarwal has experience Prior to joining HDFC Asset Management Company Limited, he has worked with SBI Funds Management Pvt. Ltd., ICICI Bank Limited, UTI Asset Management Pvt. Ltd.
Nandita Menezes has experience Prior to joining HDFC AMC, she was associated with S.V. Ghatalia & Associates LLP.
Dhruv Muchhal has experience Prior to joining HDFC MF,he has worked with Motilal Oswal Financial Services Ltd., Goldman Sachs, CRISIL Global Research & Analytics and Deloitte Haskins & Sells
Srinivasan Ramamurthy has experience Prior to joining HDFC Asset Management Company Limited, he has worked with Mahindra Mutual Fund, IDBI Federal Life Insurance, IIFL Capital Limited, Maybank Kim Eng, Credit Suisse and KPMG Advisory.
Shobhit Mehrotra has experience Prior to joining HDFC AMC he has worked with Franklin Templeton AMC, and ICRA.
Top Performing Mutual Funds
| Fund name | |||||||
|---|---|---|---|---|---|---|---|
| ICICI Prudential Retirement Fund - Pure Equity Plan Direct-growth | 1,997.8 | +2.25% | +4.69% | +6.05% | +13.85% | +22.56% | +21.27% |
| ICICI Prudential Retirement Fund - Pure Equity Plan Direct-idcw | 1,997.8 | +2.25% | +4.69% | +6.05% | +13.85% | +22.56% | +21.27% |
| SBI Children's Fund - Investment Plan Direct-growth | 6,944.3 | +0.67% | +7.26% | +14.57% | +17.84% | +21.63% | +21.09% |
| SBI Children's Fund - Investment Plan Regular-growth | 6,944.3 | +0.58% | +7.01% | +14.03% | +16.68% | +20.32% | +19.66% |
| ICICI Prudential Retirement Fund - Pure Equity Plan-growth | 1,997.8 | +2.14% | +4.35% | +5.36% | +12.34% | +20.89% | +19.62% |
| ICICI Prudential Retirement Fund - Pure Equity Plan-idcw | 1,997.8 | +2.14% | +4.35% | +5.36% | +12.34% | +20.89% | +19.62% |
| HDFC Flexi Cap Direct Plan-growth | 106,495.6 | +3.03% | +7.88% | +1.66% | +7.87% | +18.31% | +18.73% |
| HDFC Flexi Cap Direct Plan-idcw | 106,495.6 | +3.03% | +7.88% | +1.66% | +7.87% | +18.31% | +18.73% |
| HDFC Flexi Cap Fund Regular-growth | 106,495.6 | +2.97% | +7.71% | +1.35% | +7.17% | +17.53% | +17.95% |
| HDFC Flexi Cap Fund Regular-idcw | 106,495.6 | +2.97% | +7.71% | +1.35% | +7.17% | +17.53% | +17.95% |
growth is based on 1-month returns of the funds & Top fund are based on 3Y Returns
More Funds from HDFC Mutual Fund
| Fund name | |||||||
|---|---|---|---|---|---|---|---|
| HDFC Flexi Cap Fund Regular-growth | 106,495.6 | +2.97% | +7.71% | +1.35% | +7.17% | +17.53% | +17.95% |
| HDFC Flexi Cap Direct Plan-growth | 106,495.6 | +3.03% | +7.88% | +1.66% | +7.87% | +18.31% | +18.73% |
| HDFC Flexi Cap Fund Regular-idcw | 106,495.6 | +2.97% | +7.71% | +1.35% | +7.17% | +17.53% | +17.95% |
| HDFC Flexi Cap Direct Plan-idcw | 106,495.6 | +3.03% | +7.88% | +1.66% | +7.87% | +18.31% | +18.73% |
| HDFC Retirement Savings Fund - Equity Plan Regular-growth | 6,832.1 | +2.21% | +4.38% | -2.47% | +0.59% | +10.78% | +12.51% |
| HDFC Diversified Equity All Cap Active Fof Regular-growth | 2,544.9 | +2.58% | +6.87% | +1.60% | — | — | — |
| HDFC Diversified Equity All Cap Active Fof Direct-growth | 2,544.9 | +2.67% | +7.14% | +2.09% | — | — | — |
| HDFC Diversified Equity All Cap Active Fof Regular-idcw | 2,544.9 | +2.58% | +6.87% | +1.60% | — | — | — |
| HDFC Diversified Equity All Cap Active Fof Direct-idcw | 2,544.9 | +2.67% | +7.14% | +2.09% | — | — | — |
growth is based on 1-month returns of the funds
Top Mutual Funds
| Fund name | |||||||
|---|---|---|---|---|---|---|---|
| Parag Parikh Flexi Cap Fund Direct-growth | 143,388.4 | +2.46% | +0.84% | -1.57% | -0.12% | +14.31% | +13.68% |
| Parag Parikh Flexi Cap Fund Regular-growth | 143,388.4 | +2.41% | +0.68% | -1.87% | -0.74% | +13.54% | +12.79% |
| Parag Parikh Flexi Cap Fund Regular-idcw | 143,388.4 | +2.41% | +0.68% | -1.87% | -0.74% | +13.54% | +12.79% |
| Parag Parikh Flexi Cap Fund Direct-idcw | 143,388.4 | +2.46% | +0.84% | -1.57% | -0.12% | +14.31% | +13.68% |
| HDFC Flexi Cap Fund Regular-growth | 106,495.6 | +2.97% | +7.71% | +1.35% | +7.17% | +17.53% | +17.95% |
| HDFC Flexi Cap Direct Plan-growth | 106,495.6 | +3.03% | +7.88% | +1.66% | +7.87% | +18.31% | +18.73% |
| HDFC Flexi Cap Fund Regular-idcw | 106,495.6 | +2.97% | +7.71% | +1.35% | +7.17% | +17.53% | +17.95% |
| HDFC Flexi Cap Direct Plan-idcw | 106,495.6 | +3.03% | +7.88% | +1.66% | +7.87% | +18.31% | +18.73% |
| Kotak Flexicap Fund Direct-growth | 55,850.3 | +1.16% | +4.49% | -0.82% | +5.08% | +14.39% | +12.39% |
| Kotak Flexicap Fund Regular-growth | 55,850.3 | +1.09% | +4.27% | -1.23% | +4.20% | +13.42% | +11.41% |
Top funds are based on Fund AUM
Top Equity Funds
| Fund name | ||||
|---|---|---|---|---|
| Icici Prudential Retirement Fund - Pure Equity Plan Direct-growth | ₹39.99 | +22.56% | +21.27% | — |
| Icici Prudential Retirement Fund - Pure Equity Plan Direct-idcw | ₹39.98 | +22.56% | +21.27% | — |
| Sbi Children's Fund - Investment Plan Direct-growth | ₹53.20 | +21.63% | +21.09% | — |
| Sbi Children's Fund - Investment Plan Regular-growth | ₹49.47 | +20.32% | +19.66% | — |
| Icici Prudential Retirement Fund - Pure Equity Plan-growth | ₹35.78 | +20.89% | +19.62% | — |
| Icici Prudential Retirement Fund - Pure Equity Plan-idcw | ₹35.79 | +20.89% | +19.62% | — |
| Hdfc Flexi Cap Direct Plan-growth | ₹2,305.46 | +18.31% | +18.73% | — |
| Hdfc Flexi Cap Direct Plan-idcw | ₹93.22 | +18.31% | +18.73% | — |
| Hdfc Flexi Cap Fund Regular-growth | ₹2,094.50 | +17.53% | +17.95% | — |
| Hdfc Flexi Cap Fund Regular-idcw | ₹75.69 | +17.53% | +17.95% | — |
growth is based on 5Y returns of the funds
Historical NAV
| Date | NAV |
|---|---|
| 03 Aug 2026 | ₹57.29 |
| 31 Jul 2026 | ₹56.42 |
| 30 Jul 2026 | ₹56.32 |
| 29 Jul 2026 | ₹56.17 |
| 28 Jul 2026 | ₹55.60 |
| 27 Jul 2026 | ₹55.62 |
| 24 Jul 2026 | ₹54.96 |
| 23 Jul 2026 | ₹54.88 |
| 22 Jul 2026 | ₹55.13 |
| 21 Jul 2026 | ₹55.64 |
| 20 Jul 2026 | ₹55.69 |
| 17 Jul 2026 | ₹55.98 |
| 16 Jul 2026 | ₹55.70 |
| 15 Jul 2026 | ₹55.72 |
| 14 Jul 2026 | ₹55.63 |
| 13 Jul 2026 | ₹55.99 |
| 10 Jul 2026 | ₹55.89 |
| 09 Jul 2026 | ₹55.30 |
| 08 Jul 2026 | ₹55.08 |
| 07 Jul 2026 | ₹56.23 |
| 06 Jul 2026 | ₹56.24 |
| 03 Jul 2026 | ₹56.00 |
| 02 Jul 2026 | ₹55.83 |
| 01 Jul 2026 | ₹55.39 |
| 30 Jun 2026 | ₹55.13 |
| 29 Jun 2026 | ₹55.21 |
| 25 Jun 2026 | ₹55.68 |
| 24 Jun 2026 | ₹55.67 |
| 23 Jun 2026 | ₹55.29 |
| 22 Jun 2026 | ₹55.73 |
Portfolio Updated on: 04 Aug, 2026
Fund Growth & Size Analysis
+₹6,832.1 Cr
Since Launch
This Fund
Category Average
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HDFC Retirement Savings Fund - Equity Plan Direct-growth Returns Comparison
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HDFC Retirement Savings Fund - Equity Plan Direct-growth FAQ'S
- Sharpe Ratio: 0.41%
- Standard Deviation: 13.21%
- Beta: 0.85%
- Alpha: -0.24%
- R-squared: 0.97%
- Information Ratio: -0.38%
- Sortino Ratio: 0.51%
Additional important ratios:
As of Tue Jun 30, 2026, the total assets managed under HDFC Retirement Savings Fund - Equity Plan Direct-growth stand at approximately ₹ 6,832.1 crore.
The HDFC Retirement Savings Fund - Equity Plan Direct-growth has delivered the following short-term performance:
- 3 Months Return: 4.63%
The historical growth of the HDFC Retirement Savings Fund - Equity Plan Direct-growth is reflected through its CAGR returns:
- 3 Year CAGR: 11.96%
- 5 Year CAGR: 13.78%
- Return Since Launch: 18.19%
The portfolio of HDFC Retirement Savings Fund - Equity Plan Direct-growth is distributed across different asset classes as follows:
- Equity: 94.73%
- Other Assets: 4.68%
The HDFC Retirement Savings Fund - Equity Plan Direct-growth is managed by Shobhit Mehrotra, representing HDFC Mutual Fund.
The HDFC Retirement Savings Fund - Equity Plan Direct-growth investments are allocated across market caps in the following manner:
- Large Cap Stocks: 67.46%
- Mid Cap Stocks: 10.40%
- Small Cap Stocks: 22.14%
Top stock holdings of HDFC Retirement Savings Fund - Equity Plan Direct-growth include:
- HDFC Bank Ltd – represents 8.57% of the portfolio
- HDFC Bank Ltd – represents 8.39% of the portfolio
- HDFC Bank Ltd – represents 8.50% of the portfolio
- HDFC Bank Ltd – represents 8.50% of the portfolio
- HDFC Bank Ltd – represents 8.67% of the portfolio
- HDFC Bank Ltd – represents 8.52% of the portfolio
- HDFC Bank Ltd – represents 8.52% of the portfolio
- HDFC Bank Ltd – represents 8.03% of the portfolio
- HDFC Bank Ltd – represents 7.62% of the portfolio
- HDFC Bank Ltd – represents 7.47% of the portfolio
Major sector exposures in HDFC Retirement Savings Fund - Equity Plan Direct-growth are:
- Financial – accounts for 419.94% of the portfolio
- Technology – accounts for 154.00% of the portfolio
- Energy & Utilities – accounts for 111.38% of the portfolio
- Consumer Discretionary – accounts for 110.63% of the portfolio
- Healthcare – accounts for 85.58% of the portfolio
