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HDFC Retirement Savings Fund Hybrid Equity Plan Direct Growth
ELSS • 5Y Lock-in
Hybrid
Aggressive Hybrid
Very High Risk
+15.36%
3Y annualised
+0.01% 1D
NAV: 16 Jan '26
₹44.54
Min. SIP amount
₹100
Fund size
₹1,744.00 Cr
Expense ratio
0.94%
Return calculator
Monthly SIP
One time
Monthly investment
₹5,000
| Over the past | Total investment | Would've become | Historic returns | Returns |
|---|---|---|---|---|
| 1 year | ₹60,000 | ₹57,722 | -3.80% | |
| 3 years | ₹1,80,000 | ₹2,14,266 | +19.04% | |
| 5 years | ₹3,00,000 | ₹4,36,398 | +45.47% |
Holdings (84)
| Name | Sector | Instruments | Assets |
|---|---|---|---|
| HDFC Bank Ltd. | Financial | Equity | 6.82% |
| ICICI Bank Ltd. | Financial | Equity | 5.39% |
| Bajaj Finance Ltd. | Financial | Debenture | 4.09% |
| Reliance Industries Ltd. | Energy | Equity | 3.60% |
| Axis Bank Ltd. | Financial | Equity | 2.91% |
| Maruti Suzuki India Ltd. | Automobile | Equity | 2.87% |
| State Bank of India | Financial | Equity | 2.82% |
| Infosys Ltd. | Technology | Equity | 2.78% |
| Bharti Airtel Ltd. | Communication | Equity | 2.41% |
| Kotak Mahindra Bank Ltd. | Financial | Equity | 2.40% |
| Tata Consultancy Services Ltd. | Technology | Equity | 2.30% |
| HCL Technologies Ltd. | Technology | Equity | 1.86% |
| GOI | Sovereign | GOI Sec | 1.78% |
| Larsen & Toubro Ltd. | Construction | Equity | 1.76% |
| GOI | Sovereign | GOI Sec | 1.75% |
| Cipla Ltd. | Healthcare | Equity | 1.73% |
| ITC Ltd. | Consumer Staples | Equity | 1.62% |
| GOI | Sovereign | GOI Sec | 1.48% |
| GOI | Sovereign | GOI Sec | 1.47% |
| Bajaj Housing Finance Ltd. | Financial | NCD | 1.43% |
| Bajaj Auto Ltd. | Automobile | Equity | 1.34% |
| GOI | Sovereign | GOI Sec | 1.19% |
| City Union Bank Ltd. | Financial | Equity | 1.17% |
| ICICI Lombard General Insurance Company Ltd. | Insurance | Equity | 1.13% |
| Dr. Lal Pathlabs Ltd. | Healthcare | Equity | 1.11% |
| Max Financial Services Ltd. | Financial | Equity | 1.10% |
| Power Grid Corporation Of India Ltd. | Energy | Equity | 1.06% |
| Alkem Laboratories Ltd. | Healthcare | Equity | 0.95% |
| Havells India Ltd. | Capital Goods | Equity | 0.94% |
| Lumax Industries Ltd. | Automobile | Equity | 0.90% |
| Mahindra Rural Housing Finance Ltd. | Financial | NCD | 0.89% |
| SBI Life Insurance Company Ltd. | Insurance | Equity | 0.88% |
| Embassy Office Parks REIT | Construction | REITs | 0.87% |
| HDFC Life Insurance Co Ltd. | Insurance | Equity | 0.86% |
| Vesuvius India Ltd. | Construction | Equity | 0.83% |
| National Aluminium Company Ltd. | Metals & Mining | Equity | 0.81% |
| Suprajit Engineering Ltd. | Automobile | Equity | 0.79% |
| United Spirits Ltd. | Consumer Staples | Equity | 0.75% |
| GOI | Sovereign | GOI Sec | 0.75% |
| SKF India Ltd. | Capital Goods | Equity | 0.74% |
| CreditAccess Grameen Ltd. | Financial | Equity | 0.73% |
| Tata Steel Ltd. | Metals & Mining | Equity | 0.72% |
| Hindustan Petroleum Corporation Ltd. | Energy | Equity | 0.72% |
| Transport Corporation Of India Ltd. | Services | Equity | 0.68% |
| Blue Dart Express Ltd. | Services | Equity | 0.63% |
| Kalpataru Projects International Ltd. | Capital Goods | Equity | 0.62% |
| The Ramco Cements Ltd. | Construction | Equity | 0.61% |
| Alembic Pharmaceuticals Ltd. | Healthcare | Equity | 0.61% |
| Gland Pharma Ltd. | Healthcare | Equity | 0.57% |
| Godrej Consumer Products Ltd. | Consumer Staples | Equity | 0.56% |
| Redington Ltd. | Services | Equity | 0.55% |
| GOI | Sovereign | GOI Sec | 0.53% |
| Gujarat State Petronet Ltd. | Energy | Equity | 0.53% |
| Escorts Kubota Ltd. | Automobile | Equity | 0.53% |
| UTI Asset Management Company Ltd. | Financial | Equity | 0.52% |
| The Anup Engineering Ltd. | Capital Goods | Equity | 0.51% |
| Crompton Greaves Consumer Electricals Ltd. | Consumer Discretionary | Equity | 0.51% |
| Voltamp Transformers Ltd. | Capital Goods | Equity | 0.50% |
| CIE Automotive India Ltd. | Metals & Mining | Equity | 0.49% |
| Delhivery Ltd. | Services | Equity | 0.46% |
| Huhtamaki India Ltd. | Chemicals | Equity | 0.46% |
| Sonata Software Ltd. | Technology | Equity | 0.46% |
| Equitas Small Finance Bank Ltd. | Financial | Equity | 0.42% |
| Procter & Gamble Health Ltd. | Healthcare | Equity | 0.39% |
| Bayer CropScience Ltd. | Chemicals | Equity | 0.39% |
| Goodyear India Ltd. | Automobile | Equity | 0.39% |
| Bajaj Electricals Ltd. | Consumer Discretionary | Equity | 0.36% |
| SKF India (Industrial) Ltd. | Capital Goods | Equity | 0.33% |
| Finolex Industries Ltd. | Chemicals | Equity | 0.30% |
| Wipro Ltd. | Technology | Equity | 0.30% |
| Power Grid Corporation Of India Ltd. | Energy | Bonds | 0.29% |
| Tamil Nadu Newsprint & Papers Ltd. | Consumer Staples | Equity | 0.29% |
| PVR Inox Ltd. | Services | Equity | 0.29% |
| GOI | Sovereign | GOI Sec | 0.28% |
| GNA Axles Ltd. | Automobile | Equity | 0.27% |
| Timken India Ltd. | Capital Goods | Equity | 0.26% |
| Mahindra Holidays & Resorts India Ltd. | Services | Equity | 0.25% |
| Cyient Ltd. | Technology | Equity | 0.22% |
| Mahindra & Mahindra Ltd. | Automobile | Equity | 0.21% |
| Tenneco Clean Air India Ltd | Automobile | Equity | 0.19% |
| KEC International Ltd. | Capital Goods | Equity | 0.17% |
| Popular Vehicles And Services Ltd. | Services | Equity | 0.16% |
| Rolex Rings Ltd | Capital Goods | Equity | 0.15% |
| Nilkamal Ltd. | Chemicals | Equity | 0.12% |
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 | 1Y | 3Y | 5Y | All |
|---|---|---|---|---|
| Fund returns | +7.5% | +15.4% | +15.1% | +16.3% |
| Category average (Hybrid Aggressive Hybrid) | +4.7% | +14.3% | +13.9% | -- |
| Rank (Hybrid Aggressive Hybrid) | 27 | 23 | 15 | -- |
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) | |
|---|---|---|---|---|
ICICI Prudential Equity & Debt Fund Direct Growth | +13.59% | +19.87% | 49,640.80 | |
JM Aggressive Hybrid Fund Direct Growth | +2.26% | +19.86% | 785.33 | |
Edelweiss Aggressive Hybrid Fund Direct Growth | +8.59% | +18.36% | 3,480.41 | |
Nippon India Aggressive Hybrid Fund Direct Growth | +8.79% | +15.94% | 4,102.00 | |
Franklin India Aggressive Hybrid Fund Direct Growth | +6.01% | +15.34% | 2,379.64 | |
| Compare | ||||
Fund management
SMShobhit MehrotraFeb 2016 - PresentView details
SM
Shobhit Mehrotra
Feb 2016 - Present
View details
AAArun AgarwalApr 2025 - PresentView details
AA
Arun Agarwal
Apr 2025 - Present
View details
SRSrinivasan RamamurthyDec 2021 - PresentView details
SR
Srinivasan Ramamurthy
Dec 2021 - 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 Hybrid Equity Plan Direct Growth
HDFC Retirement Savings Fund Hybrid Equity Plan Direct Growth is a Hybrid Mutual Fund Scheme launched by HDFC Mutual Fund. This scheme was made available to investors on 10 Dec 1999. Shobhit Mehrotra is the Current Fund Manager of HDFC Retirement Savings Fund Hybrid Equity Plan Direct Growth fund. The fund currently has an Asset Under Management(AUM) of ₹9,32,192 Cr and the Latest NAV as of 16 Jan 2026 is ₹44.54.
The HDFC Retirement Savings Fund Hybrid 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 50 Hybrid Composite Debt 65:35 Index
Fund house
Rank (total assets)#2 in India
Total AUM₹9,32,192.06 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,