HDFC Retirement Savings Fund Equity Plan Direct-growth

  • 3 Months
  • 6 Months
  • 1 Year
  • 3 Years
  • 5 Years
  • RSI
3 Months Returns : -1.00%
Fund NAV

Fund Overview of HDFC Retirement Savings Fund Equity Plan Direct-growth

  • ₹6,611.8 Cr
    AUM
  • ₹57.90
    NAV
  • 0.74%
    Expense Ratio
  • Equity
    Fund Category
As on Fri Oct 10, 2025

Returns of HDFC Retirement Savings Fund Equity Plan Direct-growth

Tenure Absolute(%) Annualised(%) Category Average(%)
3 Months -1.00% NA 3.06%
6 Months 12.88% NA 12.13%
1 Year 0.32% 0.32% 0.23%
2 Years 39.01% 17.90% 19.05%
3 Years 72.93% 20.03% 17.87%
5 Years 210.06% 25.40% 20.71%
7 Years 259.64% 20.06% NA
View More
As on Fri Oct 10, 2025

Asset Allocation

equities

92.23%

other assets or cash equivalents

6.95%
Large Cap: 71.03%
Mid Cap: 7.47%
Small Cap: 21.50%
Other: 0.00%
Top Holdings
Repo
10.15%
Hdfc Bank Ltd
9.16%
Hdfc Bank Ltd
8.52%
Icici Bank Ltd
7.17%
Repo
6.97%
 
Top Sectors
Financial
61.72%
Industrials
24.85%
Technology
22.57%
Consumer Discretionary
21.60%
Unspecified
17.56%
Detailed Portfolio Analysis
As on Fri Oct 10, 2025
Invest Now

About Fund

About HDFC Retirement Savings Fund Equity Plan Direct-growth

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 ₹6,611.8 crore as on Thu Jul 31, 2025. The expense ratio stands at 0.74%.
The portfolio allocation consists of 92.23% in equities, 6.95% in other assets or cash equivalents. Managed by Shobhit Mehrotra, it has delivered a return of 0.32% in the last year, a total return since inception of 19.96%.

Read more
  • Arun Agarwal

    Fund Manager

  • Mr. Agarwal is a B.Com. and Chartered Accountant

    Manager Education

  • Nandita Menezes

    Fund Manager

  • CA (ICAI, INDIA), B.Com (University of Mumbai)

    Manager Education

  • Dhruv Muchhal

    Fund Manager

  • Mr. Dhruv has done B.Com, CA and CFA

    Manager Education

  • Srinivasan Ramamurthy

    Fund Manager

  • Mr. Ramamurthy is an engineer by qualification from Jadavpur University and has done his MBA from IIM - Calcutta.

    Manager Education

  • Shobhit Mehrotra

    Fund Manager

  • He is an MBA from Clemson University, USA.

    Manager Education

Key Metrics of HDFC Retirement Savings Fund Equity Plan Direct-growth

  • Standard Deviation
    11.09%
  • Sharpe Ratio
    1.07%
  • Alpha
    5.29%
  • Beta
    0.81%

Fund Details

Fund Names HDFC Retirement Savings Fund Equity Plan Direct-growth
Inception Date 25 Feb 2016
Lock In 1825
SIP Minimum Investment amount ₹ 100
SWP Minimum Investment amount ₹ 500
STP Minimum Investment amount ₹ 500
 
Risk Principal at very high risk
Category Average Annual Returns 0.23
More Details

Top Performing Mutual Funds

Fund Names AUM (Cr) 1M 3M 1Yr 3Yr 5Yr
Aditya Birla Sun Life Flexi Cap Fund Direct-growth trend ₹23,127 1.12% -0.15% 1.26% 18.37% 20.52%
Aditya Birla Sun Life Flexi Cap Fund Regular-growth trend ₹23,127 1.06% -0.35% 0.47% 17.42% 19.53%
Aditya Birla Sun Life Focused Fund Direct-growth trend ₹7,731 0.97% -1.36% -0.01% 17.31% 19.23%
Aditya Birla Sun Life Focused Fund Regular-growth trend ₹7,731 0.90% -1.59% -0.93% 16.21% 18.12%
Aditya Birla Sun Life Retirement Fund - The 30s Plan Direct-growth trend ₹411 0.74% 0.34% 2.16% 16.80% 15.85%
Aditya Birla Sun Life Retirement Fund - The 30s Plan Regular-growth trend ₹411 0.64% 0.03% 0.88% 15.26% 14.19%
View More
increase growth is based on 1-month returns of the funds & Top fund are based on 3Y Returns

More funds from HDFC Mutual Fund

Fund Names AUM (Cr) 1M 3M 6M 1Yr 3Yr
HDFC Flexi Cap Direct Plan-growth increase ₹80,642 1.74% 2.34% 14.77% 7.24% 24.09%
HDFC Flexi Cap Fund Regular-growth increase ₹80,642 1.68% 2.17% 14.39% 6.55% 23.28%
HDFC Focused Fund Regular-growth increase ₹21,456 1.16% 1.73% 13.93% 6.72% 22.48%
HDFC Focused Fund Direct-growth increase ₹21,456 1.24% 2.00% 14.52% 7.82% 23.96%
HDFC Retirement Savings Fund Equity Plan Regular-growth increase ₹6,612 1.23% -1.26% 12.30% -0.69% 18.71%
HDFC Bse 500 Index Fund Direct - Growth increase ₹233 1.25% -1.05% 14.49% -1.22% -
HDFC Bse 500 Index Fund Regular - Growth increase ₹233 1.21% -1.18% 14.20% -1.71% -
HDFC Bse 500 Etf - Growth increase ₹18 1.24% -1.04% 14.57% -1.15% -
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increase growth is based on 1-month returns of the funds

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Top Mutual Funds

Fund Names AUM (Cr) NAV 3Yr 5Yr 10Yr
Aditya Birla Sun Life Flexi Cap Fund Regular-growth trend ₹23,127 ₹1,811.33 17.42% 19.53% 14.04%
Aditya Birla Sun Life Flexi Cap Fund Direct-growth trend ₹23,127 ₹2,027.92 18.37% 20.52% 15.08%
Aditya Birla Sun Life Focused Fund Direct-growth trend ₹7,731 ₹160.28 17.31% 19.23% 13.75%
Aditya Birla Sun Life Focused Fund Regular-growth trend ₹7,731 ₹141.98 16.21% 18.12% 12.62%
Aditya Birla Sun Life Retirement Fund - The 30s Plan Direct-growth trend ₹411 ₹22.32 16.80% 15.85% -
Aditya Birla Sun Life Retirement Fund - The 30s Plan Regular-growth trend ₹411 ₹20.17 15.26% 14.19% -
View More
Top funds are based on Fund AUM

Detailed Portfolio

Stocks Sector % of Holding Value
RepoUnspecified10.15%₹670.89 Cr
Hdfc Bank LtdFinancial9.16%₹605.46 Cr
Hdfc Bank LtdFinancial8.52%₹570.60 Cr
Icici Bank LtdFinancial7.17%₹474.05 Cr
RepoUnspecified6.97%₹466.54 Cr
Icici Bank LtdFinancial6.44%₹431.36 Cr
Reliance Industries LtdEnergy & Utilities4.21%₹278.04 Cr
Reliance Industries LtdEnergy & Utilities4.08%₹272.80 Cr
Axis Bank LtdFinancial4.06%₹271.58 Cr
Axis Bank LtdFinancial3.88%₹256.42 Cr
Maruti Suzuki India LtdConsumer Discretionary3.59%₹240.44 Cr
Infosys LtdTechnology3.23%₹216.27 Cr
Bharti Airtel LtdTechnology3.18%₹210.57 Cr
Bharti Airtel LtdTechnology3.09%₹206.62 Cr
Kotak Mahindra Bank LtdFinancial2.98%₹199.27 Cr
Tata Consultancy Services LtdTechnology2.76%₹182.21 Cr
State Bank Of IndiaFinancial2.61%₹174.49 Cr
Tata Consultancy Services LtdTechnology2.59%₹173.30 Cr
Maruti Suzuki India LtdConsumer Discretionary2.57%₹170.21 Cr
State Bank Of IndiaFinancial2.41%₹159.31 Cr
Kotak Mahindra Bank LtdFinancial2.39%₹158.29 Cr
Cipla LtdHealthcare2.35%₹155.09 Cr
Infosys LtdTechnology2.28%₹150.90 Cr
Cipla LtdHealthcare2.25%₹150.33 Cr
Hcl Technologies LtdTechnology2.07%₹138.51 Cr
Larsen & Toubro LtdIndustrials2.05%₹137.21 Cr
Larsen & Toubro LtdIndustrials2.06%₹136.37 Cr
Itc LtdConsumer Staples2.06%₹135.94 Cr
Itc LtdConsumer Staples1.98%₹132.51 Cr
Interglobe Aviation LtdIndustrials1.97%₹130.03 Cr
Hcl Technologies LtdTechnology1.89%₹124.77 Cr
Interglobe Aviation LtdIndustrials1.84%₹123.08 Cr
Bajaj Auto LtdConsumer Discretionary1.75%₹117.16 Cr
Power Grid Corporation Of India LtdEnergy & Utilities1.67%₹112.10 Cr
Eicher Motors LtdConsumer Discretionary1.57%₹105.08 Cr
Power Grid Corporation Of India LtdEnergy & Utilities1.54%₹101.85 Cr
Dr. Lal Pathlabs LtdHealthcare1.47%₹98.22 Cr
Icici Lombard General Insurance Company LtdFinancial1.46%₹96.35 Cr
Bajaj Auto LtdConsumer Discretionary1.45%₹96.10 Cr
Icici Lombard General Insurance Company LtdFinancial1.41%₹94.49 Cr
Dr. Lal Pathlabs LtdHealthcare1.42%₹94.07 Cr
Havells India LtdConsumer Discretionary1.35%₹90.12 Cr
Havells India LtdConsumer Discretionary1.36%₹90.04 Cr
Lupin LtdHealthcare1.28%₹86.01 Cr
Hdfc Life Insurance Co LtdFinancial1.24%₹83.21 Cr
Hdfc Life Insurance Co LtdFinancial1.26%₹83.11 Cr
Eicher Motors LtdConsumer Discretionary1.24%₹82.03 Cr
Transport Corporation Of India LtdIndustrials1.20%₹80.26 Cr
Hindustan Petroleum Corporation LtdEnergy & Utilities1.19%₹79.81 Cr
Transport Corporation Of India LtdIndustrials1.21%₹79.70 Cr
Max Financial Services LtdFinancial1.18%₹78.80 Cr
Hindustan Petroleum Corporation LtdEnergy & Utilities1.14%₹75.32 Cr
Max Financial Services LtdFinancial1.14%₹75.07 Cr
Jindal Steel & Power LtdMaterials1.11%₹74.46 Cr
Alkem Laboratories LtdHealthcare1.09%₹73.24 Cr
Gland Pharma LtdHealthcare1.09%₹72.27 Cr
Delhivery LtdIndustrials1.08%₹72.01 Cr
Creditaccess Grameen LtdFinancial1.05%₹70.37 Cr
Gland Pharma LtdHealthcare1.04%₹69.71 Cr
Delhivery LtdIndustrials1.03%₹68.04 Cr
Jindal Steel & Power LtdMaterials1.02%₹67.55 Cr
Tata Steel LtdMaterials1.01%₹67.51 Cr
United Spirits LtdConsumer Staples0.99%₹66.22 Cr
Tata Steel LtdMaterials0.96%₹63.18 Cr
National Aluminium Company LtdMaterials0.89%₹59.88 Cr
Godrej Consumer Products LtdConsumer Staples0.89%₹59.17 Cr
Voltamp Transformers LtdIndustrials0.87%₹57.43 Cr
Apollo Hospitals Enterprise LtdHealthcare0.85%₹56.24 Cr
Creditaccess Grameen LtdFinancial0.85%₹56.17 Cr
Apollo Hospitals Enterprise LtdHealthcare0.83%₹55.57 Cr
Embassy Office Parks ReitReal Estate0.82%₹54.91 Cr
Kalpataru Power Transmission LtdIndustrials0.82%₹54.89 Cr
Godrej Consumer Products LtdConsumer Staples0.82%₹54.84 Cr
The Anup Engineering LtdIndustrials0.80%₹52.91 Cr
National Aluminium Company LtdMaterials0.78%₹51.82 Cr
Embassy Office Parks ReitReal Estate0.78%₹51.49 Cr
Redington LtdTechnology0.76%₹51.02 Cr
United Spirits LtdConsumer Staples0.77%₹50.93 Cr
Kalpataru Power Transmission LtdIndustrials0.76%₹50.19 Cr
Lupin LtdHealthcare0.73%₹48.23 Cr
Gujarat State Petronet LtdEnergy & Utilities0.72%₹47.29 Cr
Akzo Nobel India LtdMaterials0.71%₹47.14 Cr
Voltamp Transformers LtdIndustrials0.70%₹47.03 Cr
The Anup Engineering LtdIndustrials0.70%₹46.94 Cr
Gujarat State Petronet LtdEnergy & Utilities0.69%₹46.43 Cr
Mahindra & Mahindra LtdConsumer Discretionary0.68%₹44.84 Cr
Bajaj Electricals LtdConsumer Discretionary0.65%₹43.27 Cr
Gateway Distriparks LtdIndustrials0.64%₹42.90 Cr
Blue Dart Express LtdIndustrials0.64%₹42.77 Cr
Crisil LtdIndustrials0.64%₹42.44 Cr
Akzo Nobel India LtdMaterials0.62%₹41.37 Cr
Chambal Fertilisers & Chemicals LtdMaterials0.61%₹40.86 Cr
Greenply Industries LtdMaterials0.61%₹40.30 Cr
Finolex Cables LtdIndustrials0.60%₹39.93 Cr
Gateway Distriparks LtdIndustrials0.59%₹38.96 Cr
Bajaj Electricals LtdConsumer Discretionary0.57%₹38.15 Cr
Greenply Industries LtdMaterials0.56%₹37.70 Cr
Finolex Cables LtdIndustrials0.55%₹36.95 Cr
Crisil LtdIndustrials0.53%₹35.50 Cr
Vrl Logistics LtdIndustrials0.53%₹34.77 Cr
Mahindra & Mahindra LtdConsumer Discretionary0.51%₹34.27 Cr
Finolex Industries LtdIndustrials0.51%₹34.03 Cr
Ceat LtdConsumer Discretionary0.51%₹33.83 Cr
Star Health & Allied Insurance Co. LtdFinancial0.50%₹33.51 Cr
Star Health & Allied Insurance Co. LtdFinancial0.50%₹33.35 Cr
Symphony LtdConsumer Discretionary0.50%₹33.33 Cr
Ceat LtdConsumer Discretionary0.50%₹33.13 Cr
Finolex Industries LtdIndustrials0.49%₹33.02 Cr
Pnc Infratech LtdIndustrials0.48%₹31.64 Cr
Vrl Logistics LtdIndustrials0.46%₹30.62 Cr
Net Current AssetsUnspecified0.46%₹30.59 Cr
Torrent Pharmaceuticals LtdHealthcare0.45%₹29.94 Cr
The Great Eastern Shipping Company LtdEnergy & Utilities0.45%₹29.81 Cr
Pnc Infratech LtdIndustrials0.44%₹29.69 Cr
Pvr LtdConsumer Discretionary0.44%₹29.56 Cr
Symphony LtdConsumer Discretionary0.43%₹28.62 Cr
Nippon Life India Asset Management LtdFinancial0.43%₹28.43 Cr
The Great Eastern Shipping Company LtdEnergy & Utilities0.43%₹28.20 Cr
Pvr LtdConsumer Discretionary0.42%₹27.49 Cr
Mahindra Holidays & Resorts India LtdConsumer Discretionary0.40%₹26.73 Cr
Mahindra Holidays & Resorts India LtdConsumer Discretionary0.40%₹26.46 Cr
Chambal Fertilisers & Chemicals LtdMaterials0.39%₹25.75 Cr
Tamil Nadu Newsprint & Papers LtdMaterials0.39%₹25.68 Cr
Tamil Nadu Newsprint & Papers LtdMaterials0.38%₹25.32 Cr
Prestige Estates Projects LtdReal Estate0.37%₹24.40 Cr
Equitas Small Finance Bank LtdFinancial0.36%₹23.70 Cr
Timken India LtdIndustrials0.35%₹23.23 Cr
Equitas Small Finance Bank LtdFinancial0.34%₹22.87 Cr
Prestige Estates Projects LtdReal Estate0.34%₹22.65 Cr
Timken India LtdIndustrials0.31%₹21.07 Cr
Gna Axles LtdConsumer Discretionary0.31%₹20.82 Cr
Gna Axles LtdConsumer Discretionary0.31%₹20.60 Cr
Cyient LtdTechnology0.29%₹19.29 Cr
Kec International LtdDiversified0.26%₹17.46 Cr
Nippon Life India Asset Management LtdFinancial0.26%₹17.37 Cr
Kec International LtdDiversified0.26%₹17.23 Cr
Cyient LtdTechnology0.24%₹16.05 Cr
Redington LtdTechnology0.19%₹12.51 Cr
Nilkamal LtdMaterials0.18%₹12.10 Cr
Nilkamal LtdMaterials0.17%₹11.13 Cr
Mahindra & Mahindra Financial Services LtdFinancial0.12%₹7.73 Cr
Itc Hotels LtdConsumer Discretionary0.09%₹5.99 Cr
Net PayablesUnspecified-0.02%₹-2.16 Cr
View More

Top Equity Funds

increase growth is based on 5Y returns of the funds

Frequently Asked Questions

HDFC Retirement Savings Fund Equity Plan Direct-growth

What is the current AUM of HDFC Retirement Savings Fund Equity Plan Direct-growth?

As of Thu Jul 31, 2025, HDFC Retirement Savings Fund Equity Plan Direct-growth manages assets worth ₹6,611.8 crore

How has HDFC Retirement Savings Fund Equity Plan Direct-growth performed recently?

  • 3 Months: -1.00%
  • 6 Months: 12.88%

What is the long-term performance of HDFC Retirement Savings Fund Equity Plan Direct-growth?

  • 3 Years CAGR: 20.03%
  • 5 Years CAGR: 25.40%
  • Since Inception: 19.96%

What is the portfolio composition of HDFC Retirement Savings Fund Equity Plan Direct-growth?

Equity: 92.23%, Others: 6.95%.

Who manages HDFC Retirement Savings Fund Equity Plan Direct-growth?

HDFC Retirement Savings Fund Equity Plan Direct-growth is managed by Shobhit Mehrotra from HDFC Mutual Fund.

What is the market-cap allocation of HDFC Retirement Savings Fund Equity Plan Direct-growth?

Large Cap: 71.03%, Mid Cap: 7.47%, Small Cap: 21.50%.

Which are the top companies HDFC Retirement Savings Fund Equity Plan Direct-growth has invested in?

  • Repo – 10.15% of the fund's portfolio
  • HDFC Bank Ltd – 9.16% of the fund's portfolio
  • HDFC Bank Ltd – 8.52% of the fund's portfolio
  • ICICI Bank Ltd – 7.17% of the fund's portfolio
  • Repo – 6.97% of the fund's portfolio

Which are the major sectors HDFC Retirement Savings Fund Equity Plan Direct-growth focuses on?

  • Financial – 61.72% of the fund's portfolio
  • Industrials – 24.85% of the fund's portfolio
  • Technology – 22.57% of the fund's portfolio
  • Consumer Discretionary – 21.60% of the fund's portfolio
  • Unspecified – 17.56% of the fund's portfolio
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Past performance may not be indicative of future results.

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Policybazaar is a registered Insurance Broker | Registration No. 742, Registration Code No. IRDA/ DB 797/ 19, Valid till 09/06/2024, License category- Direct Broker (Life & General) |CIN: U74999HR2014PTC053454 | Registered Office - Plot No.119, Sector - 44, Gurgaon, Haryana – 122001 |Visitors are hereby informed that their information submitted on the website may be shared with insurers. Product information is authentic and solely based on the information received from the insurers.©️ Copyright 2008-2025 policybazaar.com. All Rights Reserved

^Returns as on 10th Jan’25. Tata AIA Life Top 200 ULIP Fund has delivered 18% returns over the last 10 years. Past performance is not necessarily indicative of future results. This disclaimer is specifically regarding a ULIP fund and is not related to mutual funds. Source: Morningstar.

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