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Invest in direct mutual funds at zero charges via lump sump investments or SIPs
HDFC Retirement Fund Equity Plan Direct Growth
+8.07%
3Y annualised
-1.28% 1D
NAV: 15 Sep '26
₹54.00
Min. for SIP
₹100
Fund size (AUM)
₹6,997.74 Cr
Expense ratio
0.92%
Rating
4
Return calculator
Monthly investment
₹5,000
| Over the past | Total investment | Would've become | Historic returns | Returns |
|---|---|---|---|---|
| 1 year | ₹60,000 | ₹57,690 | -3.85% | |
| 3 years | ₹1,80,000 | ₹1,82,437 | +1.35% | |
| 5 years | ₹3,00,000 | ₹3,74,172 | +24.72% | |
| 10 years | ₹6,00,000 | ₹12,97,759 | +116.29% |
Holdings (74)
| Name | Sector | Instruments | Assets |
|---|---|---|---|
| ICICI Bank Ltd | Financial | Equity | 7.69% |
| HDFC Bank Ltd | Financial | Equity | 6.59% |
| Repo | Unspecified | Repo | 4.92% |
| Reliance Industries Ltd | Energy & Utilities | Equity | 4.74% |
| Axis Bank Ltd | Financial | Equity | 4.46% |
| Kotak Mahindra Bank Ltd | Financial | Equity | 4.20% |
| Maruti Suzuki India Ltd | Consumer Discretionary | Equity | 3.07% |
| State Bank of India | Financial | Equity | 3.03% |
| Bharti Airtel Ltd | Technology | Equity | 2.59% |
| Infosys Ltd | Technology | Equity | 2.43% |
| Tata Consultancy Services Ltd | Technology | Equity | 2.40% |
| Larsen & Toubro Ltd | Industrials | Equity | 2.31% |
| Dr. Lal Pathlabs Ltd | Healthcare | Equity | 1.94% |
| HCL Technologies Ltd | Technology | Equity | 1.88% |
| Interglobe Aviation Ltd | Industrials | Equity | 1.87% |
| Eicher Motors Ltd | Consumer Discretionary | Equity | 1.70% |
| Power Grid Corporation of India Ltd | Energy & Utilities | Equity | 1.69% |
| ICICI Lombard General Insurance Company Ltd | Financial | Equity | 1.57% |
| Zomato Ltd | Technology | Equity | 1.41% |
| Max Financial Services Ltd | Financial | Equity | 1.35% |
| Havells India Ltd | Consumer Discretionary | Equity | 1.24% |
| Alkem Laboratories Ltd | Healthcare | Equity | 1.22% |
| ITC Ltd | Consumer Staples | Equity | 1.20% |
| Jindal Steel & Power Ltd | Materials | Equity | 1.19% |
| NTPC Ltd | Energy & Utilities | Equity | 1.17% |
| HDFC Life Insurance Co Ltd | Financial | Equity | 1.16% |
| Divi's Laboratories Ltd | Healthcare | Equity | 1.08% |
| CreditAccess Grameen Ltd | Financial | Equity | 1.07% |
| United Spirits Ltd | Consumer Staples | Equity | 1.06% |
| Delhivery Ltd | Industrials | Equity | 1.04% |
| Bajaj Auto Ltd | Consumer Discretionary | Equity | 1.04% |
| Apollo Hospitals Enterprise Ltd | Healthcare | Equity | 0.95% |
| Hyundai Motor India Ltd. | Consumer Discretionary | Equity | 0.95% |
| HDFC Nifty ETF-Dividend | Unspecified | Mutual Fund | 0.94% |
| Tata Steel Ltd | Materials | Equity | 0.92% |
| Crisil Ltd | Industrials | Equity | 0.90% |
| Hindustan Petroleum Corporation Ltd | Energy & Utilities | Equity | 0.89% |
| PVR Ltd | Consumer Discretionary | Equity | 0.86% |
| Transport Corporation Of India Ltd | Industrials | Equity | 0.84% |
| Balkrishna Industries Ltd | Consumer Discretionary | Equity | 0.81% |
| Kalpataru Power Transmission Ltd | Industrials | Equity | 0.80% |
| Chalet Hotels Ltd | Consumer Discretionary | Equity | 0.78% |
| Voltamp Transformers Ltd | Industrials | Equity | 0.78% |
| Redington Ltd | Technology | Equity | 0.77% |
| Cipla Ltd | Healthcare | Equity | 0.76% |
| Gland Pharma Ltd | Healthcare | Equity | 0.72% |
| Godrej Consumer Products Ltd | Consumer Staples | Equity | 0.71% |
| Lupin Ltd | Healthcare | Equity | 0.70% |
| Prestige Estates Projects Ltd | Real Estate | Equity | 0.70% |
| Blue Dart Express Ltd | Industrials | Equity | 0.70% |
| The Ramco Cements Ltd | Materials | Equity | 0.69% |
| Akzo Nobel India Ltd | Materials | Equity | 0.68% |
| Star Health & Allied Insurance Co. Ltd | Financial | Equity | 0.61% |
| PB Fintech Ltd | Financial | Equity | 0.60% |
| Embassy Office Parks REIT | Real Estate | Real Estate Investment Trusts | 0.57% |
| Timken India Ltd | Industrials | Equity | 0.55% |
| Gateway Distriparks Ltd | Industrials | Equity | 0.54% |
| Zensar Technologies Ltd | Technology | Equity | 0.53% |
| GNA Axles Ltd | Consumer Discretionary | Equity | 0.52% |
| Chambal Fertilisers & Chemicals Ltd | Materials | Equity | 0.50% |
| VRL Logistics Ltd | Industrials | Equity | 0.49% |
| SKF India (Industrial) Ltd | Industrials | Equity | 0.48% |
| Equitas Small Finance Bank Ltd | Financial | Equity | 0.42% |
| Finolex Industries Ltd | Industrials | Equity | 0.41% |
| Gujarat Gas Ltd | Energy & Utilities | Equity | 0.41% |
| Greenply Industries Ltd | Materials | Equity | 0.41% |
| The Anup Engineering Ltd | Industrials | Equity | 0.41% |
| Tamil Nadu Newsprint & Papers Ltd | Materials | Equity | 0.32% |
| Bajaj Electricals Ltd | Consumer Discretionary | Equity | 0.30% |
| The Great Eastern Shipping Company Ltd | Energy & Utilities | Equity | 0.26% |
| Symphony Ltd | Consumer Discretionary | Equity | 0.23% |
| PNC Infratech Ltd | Industrials | Equity | 0.21% |
| GSPL Transmission Ltd. | Energy & Utilities | Equity | 0.08% |
| Net Payables | Unspecified | Net Payables | -0.01% |
See All
Minimum investments
Min. for 1st investment
₹100
Min. for 2nd investment
₹100
Min. for SIP
₹100
Returns and rankings
Annualised returns
Absolute returns
| Name | 3Y | 5Y | 10Y | All |
|---|---|---|---|---|
| Fund returns | +8.1% | +11.6% | +15.1% | +17.3% |
| Category average (Equity Flexi Cap) | +16.0% | +15.6% | +13.5% | -- |
| Rank (Equity Flexi Cap) | 47 | 12 | 3 | -- |
Exit load, stamp duty and tax
Exit load
Nil
Stamp duty on investment: 0.005% (from July 1st, 2020)
from July 1st 2020
Tax implication
If you redeem within one year, returns are taxed at 20%. If you redeem after one year, returns exceeding Rs 1.25 lakh in a financial year are taxed at 12.5%.
Check past data
Compare similar funds
| Name | 1Y | 3Y | Fund Size(Cr) | |
|---|---|---|---|---|
 | +10.10% | +18.09% | 2,953.00 | |
 | +10.27% | +17.58% | 1,588.13 | |
 | +4.48% | +14.54% | 5,999.67 | |
| -0.10% | +14.31% | 1,13,606.47 | |
 | -4.56% | +9.76% | 19,384.82 | |
| Compare | ||||
Fund management
AJAnupam JoshiMar 2026 - PresentView details
AJ
Anupam Joshi
Mar 2026 - Present
View details
AAArun AgarwalApr 2025 - PresentView details
AA
Arun Agarwal
Apr 2025 - Present
View details
NMNandita MenezesApr 2025 - PresentView details
NM
Nandita Menezes
Apr 2025 - Present
View details
CSChirag SetalvadSep 2026 - PresentView details
CS
Chirag Setalvad
Sep 2026 - Present
View details
GAGopal AgrawalSep 2026 - PresentView details
GA
Gopal Agrawal
Sep 2026 - Present
View details
About HDFC Retirement Fund Equity Plan Direct Growth
HDFC Retirement Fund Equity Plan Direct Growth is a Equity Mutual Fund Scheme launched by HDFC Mutual Fund. This scheme was made available to investors on 10 Dec 1999. Anupam Joshi is the Current Fund Manager of HDFC Retirement Fund Equity Plan Direct Growth fund. The fund currently has an Asset Under Management(AUM) of ₹9,86,237 Cr and the Latest NAV as of 15 Sep 2026 is ₹54.00.
The HDFC Retirement Fund Equity Plan Direct Growth is rated Very High risk. Minimum SIP Investment is set to ₹100. Minimum Lumpsum Investment is ₹100.
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Investment Objective
The Scheme seeks to provide long-term capital appreciation / income by investing in a mix of equity and debt instruments to help investors meet their retirement goals.
Fund benchmarkNIFTY 500 Total Return Index
Fund house
Rank (total assets)#2 in India
Total AUM₹9,86,236.84 Cr
Date of Incorporation10 Dec 1999
Launch Date10 Dec 1999
Address"HDFC House", 2nd Floor, H. T. Parekh Marg, 165-166, BackbayReclamation, Churchgate Mumbai 400020
Websitewww.camsonline.com
Address7th Floor, Tower II, Rayala Towers, 158, Anna Salai,