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hdfc retirement savings fund - equity plan - direct plan
HDFC Retirement Savings Fund - Equity Plan - Direct Plan

HDFC Retirement Savings Fund - Equity Plan - Direct Plan

  • Very High Risk
  • Allocation
  • Retirement
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NAV as on Jul 23, 2025
i
Price per unit of the scheme.
57.95500.53%1 Day Change
1.89%
Minimum Investment₹100
Expense Ratio0.75%

FUND RATING

A holistic measure of the rank of a fund relative to its peers. Top funds receive a score of 5.

RISK-O-METER

Level of risk associated with a mutual fund to help investors make informed investment decisions
 

bt_logoFUND PERFORMANCE

As On Jan 01, 2023
Compare fund’s performance against category average across different time periods


No Data Found.
Returns <= 1 year are absolute and > 1 year are annualised (CAGR)
For calculating Category Return & Scheme Ranking, only Growth & Direct schemes are considered.

bt_logoFUND COMPARISON

This Fund
HDFC Retirement Savings Fund - Equity Plan - Direct Plan
VS
Allocation: Retirement Average NAV
    Topper in Allocation: Retirement
    All Fund


    No Data Found.
    *For the other fund, rescaled NAVs are used
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    bt_logoRETURN CALCULATOR

    Check the return on your investment in the fund
    HDFC Retirement Savings Fund - Equity Plan - Direct Plan
    Investment Type
    Monthly Investment
    Time Period (yrs)
    Annual Return in %
    • Invested Amount
      0
    • Return
      0
    • Current Value
      0

    bt_logoFUND MANAGER

    Shobhit Mehrotra
    Shobhit Mehrotra
    i
    Lead Fund Manager.
    Feb 25, 2016 - Present
    • Fund Manager Rank--Out of 0
      i
      Rank measured on the basis of consistent alpha the fund manager delivered in the same category over a period of three years (factors only Direct plan, Growth option)
    • Schemes managed10
    • Total AUM44,678.97 Cr
    • Highest Return In 1 Yr9.76 %
    Other Funds
    • table
    • card
    1M
    3M
    6M
    1Y
    3Y
    5Y
    Fund NameMorningstar RatingNAVFund ReturnCategory ReturnRiskFund Size
    --
    ₹ 57.96
    1.89%
    -%
    Very High Risk
    6,700.97Cr
    ₹ 64.93
    0.76%
    0.66%
    Moderate Risk
    928.89Cr
    ₹ 61.67
    0.83%
    0.71%
    Moderately High risk
    3,870.84Cr
    HDFC Retirement Savings Fund - Equity Plan - Direct Plan
    Very High Risk--
    • NAV₹ 57.96
    • Fund Size6,700.97Cr
    Fund Return1.89%
    Category Return--
    HDFC Income Fund -Direct Plan - Growth Option
    Moderate Risk
    • NAV₹ 64.93
    • Fund Size928.89Cr
    Fund Return0.76%
    Category Return0.66%
    HDFC Medium Term Debt Fund Direct Plan Growth Option
    Moderately High risk
    • NAV₹ 61.67
    • Fund Size3,870.84Cr
    Fund Return0.83%
    Category Return0.71%
    Returns <= 1 year are absolute and > 1 year are annualised (CAGR)
    Srinivasan Ramamurthy
    Srinivasan Ramamurthy
    i
    Lead Fund Manager.
    Dec 14, 2021 - Present
    • Schemes managed12
    • Total AUM1,58,970.98 Cr
    • Highest Return In 1 Yr11.52 %
    Other Funds
    • table
    • card
    1M
    3M
    6M
    1Y
    3Y
    5Y
    Fund NameMorningstar RatingNAVFund ReturnCategory ReturnRiskFund Size
    --
    ₹ 57.96
    1.89%
    -%
    Very High Risk
    6,700.97Cr
    ₹ 563.68
    0.98%
    1.59%
    Very High Risk
    1,02,789.77Cr
    ₹ 87.91
    0.80%
    0.89%
    Moderately High risk
    3,401.26Cr
    HDFC Retirement Savings Fund - Equity Plan - Direct Plan
    Very High Risk--
    • NAV₹ 57.96
    • Fund Size6,700.97Cr
    Fund Return1.89%
    Category Return--
    HDFC Balanced Advantage Fund Direct Plan Growth Option
    Very High Risk
    • NAV₹ 563.68
    • Fund Size1,02,789.77Cr
    Fund Return0.98%
    Category Return1.59%
    HDFC Hybrid Debt Fund Direct Plan Growth Option
    Moderately High risk
    • NAV₹ 87.91
    • Fund Size3,401.26Cr
    Fund Return0.80%
    Category Return0.89%
    Returns <= 1 year are absolute and > 1 year are annualised (CAGR)
    Priya Ranjan
    Priya Ranjan
    i
    Lead Fund Manager.
    May 1, 2022 - Present
    • Schemes managed39
    • Total AUM7,11,827.18 Cr
    • Highest Return In 1 Yr13.56 %
    Other Funds
    • table
    • card
    1M
    3M
    6M
    1Y
    3Y
    5Y
    Fund NameMorningstar RatingNAVFund ReturnCategory ReturnRiskFund Size
    --
    ₹ 57.96
    1.89%
    -%
    Very High Risk
    6,700.97Cr
    ₹ 64.93
    0.76%
    0.66%
    Moderate Risk
    928.89Cr
    ₹ 99.78
    1.04%
    0.78%
    Moderate Risk
    838.08Cr
    HDFC Retirement Savings Fund - Equity Plan - Direct Plan
    Very High Risk--
    • NAV₹ 57.96
    • Fund Size6,700.97Cr
    Fund Return1.89%
    Category Return--
    HDFC Income Fund -Direct Plan - Growth Option
    Moderate Risk
    • NAV₹ 64.93
    • Fund Size928.89Cr
    Fund Return0.76%
    Category Return0.66%
    HDFC Dynamic Debt Plan - Direct Plan - Growth Option
    Moderate Risk
    • NAV₹ 99.78
    • Fund Size838.08Cr
    Fund Return1.04%
    Category Return0.78%
    Returns <= 1 year are absolute and > 1 year are annualised (CAGR)
    Dhruv Muchhal
    Dhruv Muchhal
    i
    Lead Fund Manager.
    Jun 22, 2023 - Present
    • Schemes managed41
    • Total AUM7,78,329.48 Cr
    • Highest Return In 1 Yr13.56 %
    Other Funds
    • table
    • card
    1M
    3M
    6M
    1Y
    3Y
    5Y
    Fund NameMorningstar RatingNAVFund ReturnCategory ReturnRiskFund Size
    --
    ₹ 24.68
    -7.07%
    -%
    Very High Risk
    7,055.48Cr
    ₹ 563.68
    0.98%
    1.59%
    Very High Risk
    1,02,789.77Cr
    ₹ 26.22
    0.84%
    0.65%
    Moderately High risk
    7,085.89Cr
    HDFC Defence Fund Direct Growth
    Very High Risk--
    • NAV₹ 24.68
    • Fund Size7,055.48Cr
    Fund Return-7.07%
    Category Return--
    HDFC Balanced Advantage Fund Direct Plan Growth Option
    Very High Risk
    • NAV₹ 563.68
    • Fund Size1,02,789.77Cr
    Fund Return0.98%
    Category Return1.59%
    HDFC Credit Risk Debt Fund Direct Plan Growth Option
    Moderately High risk
    • NAV₹ 26.22
    • Fund Size7,085.89Cr
    Fund Return0.84%
    Category Return0.65%
    Returns <= 1 year are absolute and > 1 year are annualised (CAGR)
    Arun Agarwal
    Arun Agarwal
    i
    Lead Fund Manager.
    Apr 1, 2025 - Present
    • Schemes managed21
    • Total AUM2,05,321.75 Cr
    • Highest Return In 1 Yr38.07 %
    Other Funds
    • table
    • card
    1M
    3M
    6M
    1Y
    3Y
    5Y
    Fund NameMorningstar RatingNAVFund ReturnCategory ReturnRiskFund Size
    --
    ₹ 16.06
    2.43%
    -%
    Very High Risk
    2,008.19Cr
    --
    ₹ 19.53
    7.91%
    3.99%
    Very High Risk
    403.32Cr
    ₹ 784.68
    1.29%
    -%
    Very High Risk
    8,645.13Cr
    HDFC NIFTY Next 50 Index Fund Direct Growth
    Very High Risk--
    • NAV₹ 16.06
    • Fund Size2,008.19Cr
    Fund Return2.43%
    Category Return--
    HDFC Silver ETF Fund of Fund Direct Growth
    Very High Risk--
    • NAV₹ 19.53
    • Fund Size403.32Cr
    Fund Return7.91%
    Category Return3.99%
    HDFC Index S&P Fund Sensex Plan-Direct Plan
    Very High Risk
    • NAV₹ 784.68
    • Fund Size8,645.13Cr
    Fund Return1.29%
    Category Return--
    Returns <= 1 year are absolute and > 1 year are annualised (CAGR)
    Nandita Menezes
    Nandita Menezes
    i
    Lead Fund Manager.
    Apr 1, 2025 - Present
    • Schemes managed21
    • Total AUM2,05,321.75 Cr
    • Highest Return In 1 Yr38.07 %
    Other Funds
    • table
    • card
    1M
    3M
    6M
    1Y
    3Y
    5Y
    Fund NameMorningstar RatingNAVFund ReturnCategory ReturnRiskFund Size
    --
    ₹ 10.05
    2.58%
    -%
    Very High Risk
    490.29Cr
    ₹ 73.96
    0.88%
    1.01%
    Moderately High risk
    5,662.63Cr
    --
    ₹ 31.63
    1.45%
    3.99%
    High Risk
    4,271.57Cr
    HDFC Nifty500 Multicap 50:25:25 Index Fund Regular Growth
    Very High Risk--
    • NAV₹ 10.05
    • Fund Size490.29Cr
    Fund Return2.58%
    Category Return--
    HDFC Equity Savings Fund -Direct Plan - Growth Option
    Moderately High risk
    • NAV₹ 73.96
    • Fund Size5,662.63Cr
    Fund Return0.88%
    Category Return1.01%
    HDFC Gold Fund-Direct Plan-Growth
    High Risk--
    • NAV₹ 31.63
    • Fund Size4,271.57Cr
    Fund Return1.45%
    Category Return3.99%
    Returns <= 1 year are absolute and > 1 year are annualised (CAGR)

    bt_logoDETAILED PORTFOLIO

    As on Jun, 2025
    EQUITY (89.92%)
    DEBT (-%)
    CASH (10.08%)
    Allocation by Market Cap
    Large Cap(61.44%)
    Mid Cap(9.03%)
    Small Cap(18.60%)
    Industry Holdings
    • Banks Regional28.46%
    • Information Technology Services7.95%
    • Auto Manufacturers7.10%
    • Oil Gas Refining Marketing6.29%
    • Drug Manufacturers Specialty Generic4.23%
    • Engineering Construction4.00%
    Stock Holdings
    • HDFC Bank Ltd8.96%
    • ICICI Bank Ltd6.90%
    • Reliance Industries Ltd4.48%
    • Axis Bank Ltd4.30%
    • Bharti Airtel Ltd3.30%
    • Kotak Mahindra Bank Ltd2.58%

    bt_logoPERFORMANCE MEASURES

    Fund evaluation across critical parameters for better decision making. Study period is 3 years.
    • Consistency
      i
      It represents the consistency of a fund in beating its benchmark.
      ----
    • Downside Risk
      i
      Measured by Maximum Drawdown which shows the maximum loss from a peak to a nadir over a specified time period
    • Risk Adjusted Return
      i
      Risk adjusted return represents the return generated after factoring the risk taken to achieve it.
    • Volatility
      i
      Volatility represents the standard deviation of fund returns that is, how much the fund returns have deviated from the average.
    • Upside Capture Ratio
      i
      Fund performance relative to the index when the market is up. An upside capture ratio of >100 indicates better fund performance.
      ----
    • Downside Capture Ratio
      i
      Fund performance relative to the index when the market is down. A downside capture ratio of <100 indicates better fund performance.
      ----

    bt_logoHISTORICAL RISK MEASURES

    Statistical measures to evaluate mutual fund risk. All ratios are calculated for a three-year time duration.
    • Alpha: Excess return of the fund over benchmark
      i
      Any Alpha above zero is considered good. However, for comparison, a fund with a higher Alpha is considered better. Alpha is normally used in conjunction with Beta. If the Beta is high, it implies that the fund manager took a high risk to generate Alpha.
      --
      This Fund
      VS
      --
      Category Avg
    • R-Squared: How well the fund tracks benchmark
      i
      R-Squared measures the correlation of fund returns and its benchmark returns. It varies between 0 and 1. The metric, Beta makes no sense if R-Squared is equal to zero. Thus, both Beta and R-Squared should be used in conjunction. A fund with a high R-Squared and low Beta is considered a less risky fund.
      --
      This Fund
      VS
      --
      Category Avg
    • Beta: Risk of the fund in relation to benchmark
      i
      Beta >1 indicates that the fund is more volatile than its benchmark while Beta < 1 indicates that the fund is less volatile than its benchmark. The Beta of the benchmark is equal to 1.
      --
      This Fund
      VS
      --
      Category Avg
    • Sharpe Ratio: Risk adjusted return of the fund
      i
      Sharpe Ratio is a measure of return per unit of risk. A higher Sharpe ratio indicates better risk adjusted return given by the fund.
      1.47
      This Fund
      VS
      --
      Category Avg
    • Sortino Ratio: Return per unit of bad risk
      i
      A variation of Sharpe ratio, Sortino considers only the downside risk. Unlike Sharpe ratio which considers both good risk and bad risk, Sortino factors only the bad risk. A high Sortino ratio indicates better return for each unit of downside risk.
      2.79
      This Fund
      VS
      --
      Category Avg
    • Standard Devation: Volatility of the fund
      i
      Standard deviation is a measure of dispersion of fund returns from its average return. A fund with a higher Standard deviation is more volatile than a fund with a low standard deviation.
      11.50
      This Fund
      VS
      --
      Category Avg
    Benchmark used in calculation : S&P BSE 500 India TR INR

    bt_logoPEER ANALYSIS

    1M
    3M
    6M
    1Y
    3Y
    5Y
    • card
    • table
    Fund NameMorningstar RatingNAV Fund Return Category ReturnRisk Fund Size
    --
    ₹ 36.64
    3.44%
    --
    Very High Risk
    ₹ 1,325.55 Cr
    --
    ₹ 29.11
    3.37%
    --
    Very High Risk
    ₹ 902.63 Cr
    ₹ 32.80
    3.16%
    --
    Very High Risk
    ₹ 3,276.28 Cr
    --
    ₹ 22.29
    3.10%
    --
    Very High Risk
    ₹ 417.62 Cr
    --
    ₹ 21.51
    2.42%
    --
    Very High Risk
    ₹ 3,007.27 Cr
    --
    ₹ 20.05
    2.39%
    --
    Very High Risk
    ₹ 1,616.30 Cr
    ICICI Prudential Retirement Fund Pure Equity Plan Direct Growth
    Very High Risk--
    • NAV₹ 36.64
    • Fund Size₹ 1,325.55 Cr
    Fund Return3.44%
    Category Return--
    ICICI Prudential Retirement Fund Hybrid Aggressive Plan Direct Growth
    Very High Risk--
    • NAV₹ 29.11
    • Fund Size₹ 902.63 Cr
    Fund Return3.37%
    Category Return--
    Nippon India Retirement Fund - Wealth Creation Scheme - Direct Growth
    Very High Risk
    • NAV₹ 32.80
    • Fund Size₹ 3,276.28 Cr
    Fund Return3.16%
    Category Return--
    Aditya Birla Sun Life Retirement Fund - The 30s Pln Direct Growth
    Very High Risk--
    • NAV₹ 22.29
    • Fund Size₹ 417.62 Cr
    Fund Return3.10%
    Category Return--
    SBI Retirement Benefit Fund - Aggressive Plan Direct Growth
    Very High Risk--
    • NAV₹ 21.51
    • Fund Size₹ 3,007.27 Cr
    Fund Return2.42%
    Category Return--
    SBI Retirement Benefit Fund - Aggressive Hybrid Plan Direct Growth
    Very High Risk--
    • NAV₹ 20.05
    • Fund Size₹ 1,616.30 Cr
    Fund Return2.39%
    Category Return--
    Returns <= 1 year are absolute and > 1 year are annualised (CAGR)

    bt_logoTOP FUNDS FROM THIS AMC

    1M
    3M
    6M
    1Y
    3Y
    5Y
    • card
    • table
    Fund NameMorningstar RatingNAV Fund Return Category Return Risk Fund Size (Cr)
    --
    ₹ 19.53
    7.91%
    3.99%
    Very High Risk
    ₹ 403.32 Cr
    ₹ 163.03
    5.79%
    4.46%
    Very High Risk
    ₹ 35,780.59 Cr
    --
    ₹ 13.92
    5.43%
    --
    Very High Risk
    ₹ 596.63 Cr
    --
    ₹ 15.52
    5.06%
    --
    Very High Risk
    ₹ 2,954.61 Cr
    --
    ₹ 14.76
    4.90%
    --
    Very High Risk
    ₹ 1,004.09 Cr
    --
    ₹ 19.42
    4.75%
    --
    Very High Risk
    ₹ 530.72 Cr
    HDFC Silver ETF Fund of Fund Direct Growth
    Very High Risk--
    • NAV₹ 19.53
    • Fund Size₹ 403.32 Cr
    1 Month Return7.91%
    Category Return3.99%
    HDFC Small Cap Fund-Direct Growth Option
    Very High Risk
    • NAV₹ 163.03
    • Fund Size₹ 35,780.59 Cr
    1 Month Return5.79%
    Category Return4.46%
    HDFC MNC Fund Direct Growth
    Very High Risk--
    • NAV₹ 13.92
    • Fund Size₹ 596.63 Cr
    1 Month Return5.43%
    Category Return--
    HDFC Business Cycle Fund Direct Growth
    Very High Risk--
    • NAV₹ 15.52
    • Fund Size₹ 2,954.61 Cr
    1 Month Return5.06%
    Category Return--
    HDFC Non-Cyclical Consumer Fund Direct Growth
    Very High Risk--
    • NAV₹ 14.76
    • Fund Size₹ 1,004.09 Cr
    1 Month Return4.90%
    Category Return--
    HDFC Nifty Smallcap 250 Index Fund Direct Growth
    Very High Risk--
    • NAV₹ 19.42
    • Fund Size₹ 530.72 Cr
    1 Month Return4.75%
    Category Return--
    Returns <= 1 year are absolute and > 1 year are annualised (CAGR)

    bt_logoABOUT THE AMC

    company icon
    HDFC Asset Management Co Ltd
    HDFC Asset Management Co Ltd manages assets worth ₹ 8,80,020.21 crores. It’s current offering of mutual fund schemes includes 40 equity, 33 debt and 11 hybrid schemes.
    phone icon
    Phone
    +91 22 66316333
    mail icon
    Email
    cliser@hdfcfund.com
    aum
    AUM
    8,80,020.21 Cr (
    As on Jun 30, 2025
    )
    location
    Address
    “HUL House”, 2nd Floor, Mumbai,400 020

    bt_logoFAQ's

    What is the category of HDFC Retirement Savings Fund - Equity Plan - Direct Plan ?
    The category of HDFC Retirement Savings Fund - Equity Plan - Direct Plan is Allocation - Retirement
    What is the current NAV of HDFC Retirement Savings Fund - Equity Plan - Direct Plan ?
    The current NAV of HDFC Retirement Savings Fund - Equity Plan - Direct Plan as on Jul 23, 2025 is ₹57.96
    How safe is HDFC Retirement Savings Fund - Equity Plan - Direct Plan ?
    The risk level of HDFC Retirement Savings Fund - Equity Plan - Direct Plan is Very High.
    What are short term returns given by HDFC Retirement Savings Fund - Equity Plan - Direct Plan ?
    The return given by HDFC Retirement Savings Fund - Equity Plan - Direct Plan in 1 month is 1.89%, 3 months is 4.73%, 6 months is 8.52%, and 1 year is 4.50%
    What are the long term returns given by HDFC Retirement Savings Fund - Equity Plan - Direct Plan ?
    The return given by HDFC Retirement Savings Fund - Equity Plan - Direct Plan in 3 years is 22.50% and 5 years is 27.23%.
    What is the expense ratio of HDFC Retirement Savings Fund - Equity Plan - Direct Plan ?
    The expense ratio of HDFC Retirement Savings Fund - Equity Plan - Direct Plan is 0.75%
    What is the AUM of HDFC Retirement Savings Fund - Equity Plan - Direct Plan ?
    The assets under Management (AUM) of HDFC Retirement Savings Fund - Equity Plan - Direct Plan is Rs 6,700.97 crores.
    What is the minimum investment in HDFC Retirement Savings Fund - Equity Plan - Direct Plan ?
    The minimum Lumpsum investment in HDFC Retirement Savings Fund - Equity Plan - Direct Plan is ₹100.00 and the minimum SIP investment in HDFC Retirement Savings Fund - Equity Plan - Direct Plan is ₹100.00
    What is the asset allocation of HDFC Retirement Savings Fund - Equity Plan - Direct Plan?
    HDFC Retirement Savings Fund - Equity Plan - Direct Plan has an exposure of 89.92% in Equity and 10.08% in Cash & Money Market Securities