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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
+8.61%
3Y annualised
+1.12% 1D
NAV: 09 Oct '26
₹53.16
Min. for SIP
₹100
Fund size (AUM)
₹6,644.77 Cr
Expense ratio
0.93%
Rating
4
Return calculator
Monthly investment
₹5,000
| Over the past | Total investment | Would've become | Historic returns | Returns |
|---|---|---|---|---|
| 1 year | ₹60,000 | ₹57,098 | -4.84% | |
| 3 years | ₹1,80,000 | ₹1,78,351 | -0.92% | |
| 5 years | ₹3,00,000 | ₹3,65,431 | +21.81% | |
| 10 years | ₹6,00,000 | ₹12,65,933 | +110.99% |
Holdings (75)
| Name | Sector | Instruments | Assets |
|---|---|---|---|
| ICICI Bank Ltd | Financial | Equity | 7.36% |
| HDFC Bank Ltd | Financial | Equity | 6.93% |
| Repo | Unspecified | Repo | 5.19% |
| Reliance Industries Ltd | Energy & Utilities | Equity | 4.64% |
| Axis Bank Ltd | Financial | Equity | 4.43% |
| Kotak Mahindra Bank Ltd | Financial | Equity | 4.39% |
| State Bank of India | Financial | Equity | 2.89% |
| Maruti Suzuki India Ltd | Consumer Discretionary | Equity | 2.85% |
| Bharti Airtel Ltd | Technology | Equity | 2.64% |
| Larsen & Toubro Ltd | Industrials | Equity | 2.26% |
| Infosys Ltd | Technology | Equity | 2.24% |
| Tata Consultancy Services Ltd | Technology | Equity | 2.16% |
| Dr. Lal Pathlabs Ltd | Healthcare | Equity | 2.09% |
| Interglobe Aviation Ltd | Industrials | Equity | 1.88% |
| HCL Technologies Ltd | Technology | Equity | 1.85% |
| Power Grid Corporation of India Ltd | Energy & Utilities | Equity | 1.76% |
| ICICI Lombard General Insurance Company Ltd | Financial | Equity | 1.68% |
| Eicher Motors Ltd | Consumer Discretionary | Equity | 1.61% |
| Zomato Ltd | Technology | Equity | 1.44% |
| ITC Ltd | Consumer Staples | Equity | 1.30% |
| Alkem Laboratories Ltd | Healthcare | Equity | 1.24% |
| Max Financial Services Ltd | Financial | Equity | 1.24% |
| United Spirits Ltd | Consumer Staples | Equity | 1.22% |
| NTPC Ltd | Energy & Utilities | Equity | 1.21% |
| Jindal Steel & Power Ltd | Materials | Equity | 1.20% |
| HDFC Life Insurance Co Ltd | Financial | Equity | 1.18% |
| Divi's Laboratories Ltd | Healthcare | Equity | 1.12% |
| Havells India Ltd | Consumer Discretionary | Equity | 1.07% |
| CreditAccess Grameen Ltd | Financial | Equity | 1.05% |
| Chalet Hotels Ltd | Consumer Discretionary | Equity | 1.02% |
| Delhivery Ltd | Industrials | Equity | 0.99% |
| Bajaj Auto Ltd | Consumer Discretionary | Equity | 0.98% |
| Tata Steel Ltd | Materials | Equity | 0.97% |
| HDFC Nifty ETF-Dividend | Unspecified | Mutual Fund | 0.93% |
| PVR Ltd | Consumer Discretionary | Equity | 0.92% |
| Redington Ltd | Technology | Equity | 0.92% |
| Hyundai Motor India Ltd. | Consumer Discretionary | Equity | 0.92% |
| Apollo Hospitals Enterprise Ltd | Healthcare | Equity | 0.92% |
| Hindustan Petroleum Corporation Ltd | Energy & Utilities | Equity | 0.90% |
| Transport Corporation Of India Ltd | Industrials | Equity | 0.89% |
| Crisil Ltd | Industrials | Equity | 0.87% |
| Kalpataru Power Transmission Ltd | Industrials | Equity | 0.83% |
| Balkrishna Industries Ltd | Consumer Discretionary | Equity | 0.80% |
| Voltamp Transformers Ltd | Industrials | Equity | 0.79% |
| Gland Pharma Ltd | Healthcare | Equity | 0.76% |
| Cipla Ltd | Healthcare | Equity | 0.76% |
| Akzo Nobel India Ltd | Materials | Equity | 0.72% |
| Godrej Consumer Products Ltd | Consumer Staples | Equity | 0.70% |
| Blue Dart Express Ltd | Industrials | Equity | 0.70% |
| Lupin Ltd | Healthcare | Equity | 0.69% |
| Prestige Estates Projects Ltd | Real Estate | Equity | 0.67% |
| GNA Axles Ltd | Consumer Discretionary | Equity | 0.61% |
| Star Health & Allied Insurance Co. Ltd | Financial | Equity | 0.60% |
| Embassy Office Parks REIT | Real Estate | Real Estate Investment Trusts | 0.60% |
| Timken India Ltd | Industrials | Equity | 0.57% |
| Gateway Distriparks Ltd | Industrials | Equity | 0.55% |
| Chambal Fertilisers & Chemicals Ltd | Materials | Equity | 0.52% |
| Zensar Technologies Ltd | Technology | Equity | 0.51% |
| VRL Logistics Ltd | Industrials | Equity | 0.48% |
| SKF India (Industrial) Ltd | Industrials | Equity | 0.47% |
| Greenply Industries Ltd | Materials | Equity | 0.45% |
| Gujarat Gas Ltd | Energy & Utilities | Equity | 0.41% |
| Equitas Small Finance Bank Ltd | Financial | Equity | 0.41% |
| Finolex Industries Ltd | Industrials | Equity | 0.40% |
| The Anup Engineering Ltd | Industrials | Equity | 0.38% |
| PB Fintech Ltd | Financial | Equity | 0.36% |
| Tamil Nadu Newsprint & Papers Ltd | Materials | Equity | 0.36% |
| Elevate Campuses Ltd. | Industrials | Equity | 0.34% |
| The Great Eastern Shipping Company Ltd | Energy & Utilities | Equity | 0.32% |
| Bajaj Electricals Ltd | Consumer Discretionary | Equity | 0.29% |
| Symphony Ltd | Consumer Discretionary | Equity | 0.24% |
| PNC Infratech Ltd | Industrials | Equity | 0.16% |
| Moneyview Ltd. | Financial | Equity | 0.15% |
| GSPL Transmission Ltd | Energy & Utilities | Equity | 0.08% |
| Net Payables | Unspecified | Net Payables | -0.03% |
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 | +8.6% | +10.7% | +14.6% | +17.0% |
| Category average (Equity Flexi Cap) | +11.3% | +9.8% | +13.0% | +14.0% |
| Rank (Equity Flexi Cap) | 44 | 13 | 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) | |
|---|---|---|---|---|
 | +8.24% | +18.64% | 2,952.99 | |
 | +9.81% | +18.47% | 1,588.12 | |
 | +3.07% | +15.20% | 5,748.73 | |
| -3.52% | +14.68% | 1,08,546.97 | |
 | -7.29% | +9.63% | 19,384.81 | |
| 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 09 Oct 2026 is ₹53.16.
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,