HDFC Retirement Savings Fund Hybrid Equity Plan Direct Growth

Solution Oriented
Retirement
Very High Risk
5Y Lock In
15.56%
3Y annualised
-1.50% 1D
1M
6M
1Y
3Y
5Y
All
NAV: 26 Sep 2022₹27.39
Min. SIP amount₹100
Rating4
Fund size₹850.34Cr

Return calculator

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

Returns and rankings

Category: Solution Oriented Retirement
Annualised returns
Absolute returns
1Y3Y5YAll
Fund returns0.0%15.6%12.2%16.5%
Category average3.4%15.2%10.0%NA
Rank with in category16129NA
Understand terms

Holdings (67)

NameSectorInstrumentAssets
ICICI Bank Ltd.FinancialEquity4.9%
HDFC Bank Ltd.FinancialEquity4.3%
Reliance Industries Ltd.EnergyEquity4.0%
GOI
SovereignGOI Sec3.9%
Infosys Ltd.TechnologyEquity3.4%
GOI
SovereignGOI Sec3.2%
Power Finance Corporation Ltd.FinancialNCD2.9%
Housing Development Finance Corpn. Ltd.FinancialEquity2.8%
Embassy Office Parks REITConstructionDebenture2.8%
ITC Ltd.Consumer StaplesEquity2.7%
See All

Pros and cons

Category: Solution Oriented Retirement

Pros

Cons

3Y and 5Y annualised returns higher than category average
1Y annualised returns lower than category average by 3.38%
Higher alpha: 3.45 The fund has generated returns higher than benchmark - NIFTY 50 Hybrid Composite Debt 65:35 Index - in the last 3Y
Lock-in period: 5Y
Exit load is zero
Lower expense ratio: 1.1%
Average credit rating of the fund's holdings: AAA This fund has holdings of the highest quality

Expense ratio, exit load and tax

Expense ratio: 1.10%

Inclusive of GST

Exit load

Nil

Stamp duty

0.005% (from July 1st, 2020)

Tax implication

Returns are taxed at 15%, if you redeem before one year. After 1 year, you are required to pay LTCG tax of 10% on returns of Rs 1 lakh+ in a financial year.

Understand terms
Check past data

Minimum investment amounts

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

Fund management

Shobhit Mehrotra
Feb 2016 - Present
View details

Education
He is an MBA from Clemson University, USA.
Experience
Prior to joining HDFC AMC he has worked with Franklin Templeton AMC, and ICRA.
Also manages these schemes

Srinivasan Ramamurthy
Dec 2021 - Present
View details

Education
Mr. Ramamurthy is an engineer by qualification from Jadavpur University and has done his MBA from IIM - Calcutta.
Experience
Prior to joining HDFC Asset Management Company Limited, he has worked with Mahindra Mutual Fund, IDBI Federal Life Insurance, IIFL Capital Limited, Maybank Kim Eng, Credit Suisse and KPMG Advisory.
Also manages these schemes

Priya Ranjan
May 2022 - Present
View details

Education
Mr. Ranjan is B.E(Computer Science) and PGDBM (Finance).
Experience
He has over 14 years of experience in equity research.
Also manages these schemes

Fund house & investment objective

Fund house contact details

Address
"HDFC House"-2nd Floor,H.T. Parekh Marg - 165-166, Backbay Reclamation,Churchgate Mumbai 400020
Phone
1800-3010-6767 / 1800-419-7676
Launch Date
10 Dec 1999
E-mail
NA
Website
NA
HDFC Mutual Fund
Asset Management Company
Custodian
Deutsche Bank
Registrar & Transfer Agent
Cams
Address
7th Floor, Tower II, Rayala Towers, 158, Anna Salai,

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