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Invest in direct mutual funds at zero charges via lump sump investments or SIPs
HDFC Retirement Savings Fund Equity Plan Direct Growth
+12.01%
3Y annualised
+0.75% 1D
NAV: 09 Jun '26
₹53.46
Min. for SIP
₹100
Fund size (AUM)
₹6,660.20 Cr
Expense ratio
0.87%
Rating
4
Return calculator
Monthly investment
₹5,000
| Over the past | Total investment | Would've become | Historic returns | Returns |
|---|---|---|---|---|
| 1 year | ₹60,000 | ₹56,849 | -5.25% | |
| 3 years | ₹1,80,000 | ₹1,85,952 | +3.31% | |
| 5 years | ₹3,00,000 | ₹3,83,966 | +27.99% | |
| 10 years | ₹6,00,000 | ₹13,36,370 | +122.73% |
Holdings (76)
| Name | Sector | Instruments | Assets |
|---|---|---|---|
| HDFC Bank Ltd | Financial | Equity | 6.88% |
| ICICI Bank Ltd | Financial | Equity | 6.57% |
| Reliance Industries Ltd | Energy & Utilities | Equity | 5.31% |
| Axis Bank Ltd | Financial | Equity | 4.52% |
| Repo | Unspecified | Repo | 4.10% |
| Kotak Mahindra Bank Ltd | Financial | Equity | 3.98% |
| State Bank of India | Financial | Equity | 3.17% |
| Maruti Suzuki India Ltd | Consumer Discretionary | Equity | 3.13% |
| Infosys Ltd | Technology | Equity | 2.81% |
| Bharti Airtel Ltd | Technology | Equity | 2.80% |
| Tata Consultancy Services Ltd | Technology | Equity | 2.57% |
| Larsen & Toubro Ltd | Industrials | Equity | 2.38% |
| Power Grid Corporation of India Ltd | Energy & Utilities | Equity | 2.13% |
| HCL Technologies Ltd | Technology | Equity | 1.78% |
| Eicher Motors Ltd | Consumer Discretionary | Equity | 1.58% |
| ITC Ltd | Consumer Staples | Equity | 1.54% |
| Bajaj Auto Ltd | Consumer Discretionary | Equity | 1.48% |
| NTPC Ltd | Energy & Utilities | Equity | 1.48% |
| ICICI Lombard General Insurance Company Ltd | Financial | Equity | 1.44% |
| Dr. Lal Pathlabs Ltd | Healthcare | Equity | 1.42% |
| Havells India Ltd | Consumer Discretionary | Equity | 1.29% |
| Alkem Laboratories Ltd | Healthcare | Equity | 1.28% |
| Jindal Steel & Power Ltd | Materials | Equity | 1.27% |
| Max Financial Services Ltd | Financial | Equity | 1.18% |
| Delhivery Ltd | Industrials | Equity | 1.11% |
| Tata Steel Ltd | Materials | Equity | 1.10% |
| Zomato Ltd | Technology | Equity | 1.10% |
| CreditAccess Grameen Ltd | Financial | Equity | 1.06% |
| Voltamp Transformers Ltd | Industrials | Equity | 1.05% |
| HDFC Life Insurance Co Ltd | Financial | Equity | 1.05% |
| Lupin Ltd | Healthcare | Equity | 1.03% |
| United Spirits Ltd | Consumer Staples | Equity | 0.98% |
| HDFC Nifty ETF-Dividend | Unspecified | Mutual Fund | 0.97% |
| Interglobe Aviation Ltd | Industrials | Equity | 0.96% |
| Hindustan Petroleum Corporation Ltd | Energy & Utilities | Equity | 0.95% |
| Transport Corporation Of India Ltd | Industrials | Equity | 0.94% |
| Apollo Hospitals Enterprise Ltd | Healthcare | Equity | 0.85% |
| Crisil Ltd | Industrials | Equity | 0.83% |
| Blue Dart Express Ltd | Industrials | Equity | 0.81% |
| Balkrishna Industries Ltd | Consumer Discretionary | Equity | 0.80% |
| Godrej Consumer Products Ltd | Consumer Staples | Equity | 0.79% |
| Cipla Ltd | Healthcare | Equity | 0.78% |
| Divi's Laboratories Ltd | Healthcare | Equity | 0.77% |
| The Ramco Cements Ltd | Materials | Equity | 0.76% |
| Kalpataru Power Transmission Ltd | Industrials | Equity | 0.74% |
| PVR Ltd | Consumer Discretionary | Equity | 0.71% |
| Chalet Hotels Ltd | Consumer Discretionary | Equity | 0.68% |
| Hyundai Motor India Ltd. | Consumer Discretionary | Equity | 0.67% |
| Akzo Nobel India Ltd | Materials | Equity | 0.66% |
| Gujarat State Petronet Ltd | Energy & Utilities | Equity | 0.64% |
| Prestige Estates Projects Ltd | Real Estate | Equity | 0.63% |
| Timken India Ltd | Industrials | Equity | 0.62% |
| Zensar Technologies Ltd | Technology | Equity | 0.61% |
| The Anup Engineering Ltd | Industrials | Equity | 0.61% |
| Gateway Distriparks Ltd | Industrials | Equity | 0.60% |
| Gland Pharma Ltd | Healthcare | Equity | 0.60% |
| The Great Eastern Shipping Company Ltd | Energy & Utilities | Equity | 0.59% |
| Star Health & Allied Insurance Co. Ltd | Financial | Equity | 0.59% |
| Redington Ltd | Technology | Equity | 0.58% |
| Embassy Office Parks REIT | Real Estate | Real Estate Investment Trusts | 0.58% |
| Chambal Fertilisers & Chemicals Ltd | Materials | Equity | 0.55% |
| Greenply Industries Ltd | Materials | Equity | 0.50% |
| Finolex Industries Ltd | Industrials | Equity | 0.46% |
| GNA Axles Ltd | Consumer Discretionary | Equity | 0.43% |
| VRL Logistics Ltd | Industrials | Equity | 0.42% |
| Bajaj Electricals Ltd | Consumer Discretionary | Equity | 0.41% |
| Equitas Small Finance Bank Ltd | Financial | Equity | 0.40% |
| Symphony Ltd | Consumer Discretionary | Equity | 0.40% |
| SKF India (Industrial) Ltd | Industrials | Equity | 0.37% |
| Tamil Nadu Newsprint & Papers Ltd | Materials | Equity | 0.36% |
| National Aluminium Company Ltd | Materials | Equity | 0.36% |
| PNC Infratech Ltd | Industrials | Equity | 0.32% |
| Nilkamal Ltd | Materials | Equity | 0.14% |
| KEC International Ltd | Diversified | Equity | 0.13% |
| Mahindra Holidays & Resorts India Ltd | Consumer Discretionary | Equity | 0.03% |
| Net Payables | Unspecified | Net Payables | -0.17% |
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 | +12.0% | +14.2% | +16.2% | +17.7% |
| Category average (Equity Flexi Cap) | +16.0% | +15.6% | +13.5% | -- |
| Rank (Equity Flexi Cap) | 50 | 11 | 4 | -- |
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) | |
|---|---|---|---|---|
 | +3.81% | +19.71% | 1,290.33 | |
 | +0.42% | +17.71% | 5,405.12 | |
| -1.64% | +17.35% | 1,01,821.82 | |
 | -3.25% | +15.30% | 1,40,949.13 | |
 | -6.63% | +14.40% | 19,049.25 | |
| Compare | ||||
Fund management
SRSrinivasan RamamurthyDec 2021 - PresentView details
SR
Srinivasan Ramamurthy
Dec 2021 - Present
View details
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
DMDhruv MuchhalJun 2023 - PresentView details
DM
Dhruv Muchhal
Jun 2023 - Present
View details
NMNandita MenezesApr 2025 - PresentView details
NM
Nandita Menezes
Apr 2025 - Present
View details
About HDFC Retirement Savings Fund Equity Plan Direct Growth
HDFC Retirement Savings 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. Srinivasan Ramamurthy is the Current Fund Manager of HDFC Retirement Savings Fund Equity Plan Direct Growth fund. The fund currently has an Asset Under Management(AUM) of ₹9,37,048 Cr and the Latest NAV as of 09 Jun 2026 is ₹53.46.
The HDFC Retirement Savings 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₹9,37,047.59 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,