HDFC Retirement Savings Fund Equity Plan Direct Growth

Equity
Flexi Cap
Very High Risk
5Y Lock In
23.78%
3Y annualised
-0.14% 1D
1M
6M
1Y
3Y
5Y
All
NAV: 14 Jul 2025₹57.67
Min. SIP amount₹100
Rating5
Fund size₹6,700.97Cr

Return calculator

Monthly SIP
One-Time
₹5,000 per month
Over the past
Total investment of 0
Would have become (%)

Holdings (74)

NameSectorInstrumentAssets
FinancialEquity8.96%
FinancialEquity6.90%
EnergyEquity4.48%
FinancialEquity4.30%
CommunicationEquity3.30%
FinancialEquity2.58%
AutomobileEquity2.50%
FinancialEquity2.45%
TechnologyEquity2.39%
TechnologyEquity2.32%
TechnologyEquity2.19%
Consumer StaplesEquity2.05%
ConstructionEquity2.05%
ServicesEquity1.96%
HealthcareEquity1.80%
EnergyEquity1.57%
InsuranceEquity1.52%
AutomobileEquity1.50%
AutomobileEquity1.27%
FinancialEquity1.23%
InsuranceEquity1.22%
EnergyEquity1.18%
Capital GoodsEquity1.16%
ServicesEquity1.15%
Capital GoodsEquity0.99%
Metals & MiningEquity0.98%
HealthcareEquity0.96%
Metals & MiningEquity0.95%
ServicesEquity0.91%
Capital GoodsEquity0.83%
HealthcareEquity0.83%
Consumer StaplesEquity0.83%
Consumer StaplesEquity0.81%
Metals & MiningEquity0.81%
HealthcareEquity0.81%
Capital GoodsEquity0.80%
ConstructionREITs0.76%
AutomobileEquity0.76%
EnergyEquity0.74%
Consumer DiscretionaryEquity0.72%
ServicesEquity0.72%
Capital GoodsEquity0.66%
ChemicalsEquity0.64%
FinancialEquity0.63%
Consumer StaplesEquity0.59%
AutomobileEquity0.55%
ChemicalsEquity0.54%
FinancialEquity0.54%
ServicesEquity0.54%
ServicesEquity0.48%
FinancialEquity0.48%
Consumer DiscretionaryEquity0.48%
ConstructionEquity0.47%
InsuranceEquity0.47%
EnergyEquity0.44%
ChemicalsEquity0.42%
ConstructionEquity0.42%
HealthcareEquity0.41%
ServicesEquity0.40%
FinancialEquity0.40%
Consumer StaplesEquity0.40%
HealthcareEquity0.38%
ServicesEquity0.38%
Capital GoodsEquity0.37%
AutomobileEquity0.36%
Consumer StaplesEquity0.35%
AutomobileEquity0.33%
TechnologyEquity0.31%
Capital GoodsEquity0.27%
HealthcareEquity0.25%
ServicesEquity0.24%
Metals & MiningEquity0.22%
ChemicalsEquity0.19%
ServicesEquity0.09%
See All

Minimum investment amounts

Min. for 1st investment₹100
Min. for 2nd investment onwards₹100
Min. for SIP₹100

Returns and rankings

Category: Equity Flexi Cap
Annualised returns
Absolute returns
1Y3Y5YAll
Fund returns3.5%23.8%28.1%20.5%
Category average1.1%19.9%21.3%NA
Rank with in category39156NA
Understand terms

Peer Comparison

Equity, Flexi Cap fundsRating1Y3YFund Size(Cr)
4
-6.0%28.3%6,143.77
5
8.5%27.5%79,584.54
4
3.4%24.9%5,169.21
5
9.7%24.6%1,10,392.32
4
4.0%23.9%19,364.97

Expense ratio, exit load and tax

Expense ratio: 0.74%

Inclusive of GST

Exit load

Nil

Stamp duty

0.005% (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%.

Understand terms
Check past data

Fund management

Arun Agarwal
Apr 2025 - Present
View details

Education
Mr. Agarwal is a B.Com. and Chartered Accountant
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.
Also manages these schemes

Nandita Menezes
Apr 2025 - Present
View details

Fund house & investment objective

Fund house contact details

Address
"HDFC House", 2nd Floor, H. T. Parekh Marg, 165-166, BackbayReclamation, Churchgate Mumbai 400020
Phone
022 – 66316333
Launch Date
10 Dec 1999
HDFC Mutual Fund
Asset Management Company
Custodian
NA
Registrar & Transfer Agent
Cams
Address
7th Floor, Tower II, Rayala Towers, 158, Anna Salai,

Pros and cons

Category: Equity Flexi Cap

Pros

Consistently higher annualised returns than category average for the past 1Y, 3Y and 5Y
Higher alpha: 6.22 The fund has generated returns higher than benchmark - NIFTY 500 Total Return Index - in the last 3Y
Exit load is zero
Lower expense ratio: 0.74%

Cons

Lock-in period: 5Y

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