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HDFC Retirement Savings Fund Hybrid Equity Plan Direct Growth
ELSS • 5Y Lock-in
Hybrid
Aggressive Hybrid
Very High Risk
+15.14%
3Y annualised
-0.91% 1D
NAV: 27 Feb '26
₹44.06
Min. for SIP
₹100
Fund size
₹1,702.59 Cr
Expense ratio
0.94%
Return calculator
Monthly investment
₹5,000
| Over the past | Total investment | Would've become | Historic returns | Returns |
|---|---|---|---|---|
| 6 months | ₹30,000 | ₹28,551 | -4.83% | |
| 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 (88)
| Name | Sector | Instruments | Assets |
|---|---|---|---|
| HDFC Bank Ltd. | Financial | Equity | 6.55% |
| ICICI Bank Ltd. | Financial | Equity | 5.57% |
| Bajaj Finance Ltd. | Financial | Debenture | 4.17% |
| Reliance Industries Ltd. | Energy | Equity | 3.28% |
| Axis Bank Ltd. | Financial | Equity | 3.22% |
| State Bank of India | Financial | Equity | 3.16% |
| Infosys Ltd. | Technology | Equity | 2.89% |
| Tata Consultancy Services Ltd. | Technology | Equity | 2.75% |
| Kotak Mahindra Bank Ltd. | Financial | Equity | 2.64% |
| Maruti Suzuki India Ltd. | Automobile | Equity | 2.57% |
| Bharti Airtel Ltd. | Communication | Equity | 2.31% |
| HCL Technologies Ltd. | Technology | Equity | 1.99% |
| GOI | Sovereign | GOI Sec | 1.82% |
| GOI | Sovereign | GOI Sec | 1.78% |
| Larsen & Toubro Ltd. | Construction | Equity | 1.73% |
| Power Grid Corporation Of India Ltd. | Energy | Equity | 1.51% |
| GOI | Sovereign | GOI Sec | 1.51% |
| GOI | Sovereign | GOI Sec | 1.50% |
| Bajaj Housing Finance Ltd. | Financial | NCD | 1.45% |
| Bajaj Auto Ltd. | Automobile | Equity | 1.41% |
| ITC Ltd. | Consumer Staples | Equity | 1.32% |
| City Union Bank Ltd. | Financial | Equity | 1.24% |
| GOI | Sovereign | GOI Sec | 1.21% |
| Max Financial Services Ltd. | Financial | Equity | 1.09% |
| Dr. Lal Pathlabs Ltd. | Healthcare | Equity | 1.08% |
| ICICI Lombard General Insurance Company Ltd. | Insurance | Equity | 1.07% |
| Alkem Laboratories Ltd. | Healthcare | Equity | 1.00% |
| Cipla Ltd. | Healthcare | Equity | 0.97% |
| Mahindra Rural Housing Finance Ltd. | Financial | NCD | 0.91% |
| Embassy Office Parks REIT | Construction | REITs | 0.89% |
| SBI Life Insurance Company Ltd. | Insurance | Equity | 0.88% |
| Vesuvius India Ltd. | Construction | Equity | 0.87% |
| Havells India Ltd. | Capital Goods | Equity | 0.87% |
| Lumax Industries Ltd. | Automobile | Equity | 0.86% |
| HDFC Life Insurance Co Ltd. | Insurance | Equity | 0.86% |
| Tata Steel Ltd. | Metals & Mining | Equity | 0.79% |
| Suprajit Engineering Ltd. | Automobile | Equity | 0.79% |
| CreditAccess Grameen Ltd. | Financial | Equity | 0.78% |
| GOI | Sovereign | GOI Sec | 0.77% |
| NTPC Ltd. | Energy | Equity | 0.73% |
| United Spirits Ltd. | Consumer Staples | Equity | 0.72% |
| SKF India Ltd. | Capital Goods | Equity | 0.69% |
| Transport Corporation Of India Ltd. | Services | Equity | 0.69% |
| The Ramco Cements Ltd. | Construction | Equity | 0.66% |
| Blue Dart Express Ltd. | Services | Equity | 0.65% |
| Hindustan Petroleum Corporation Ltd. | Energy | Equity | 0.63% |
| Gland Pharma Ltd. | Healthcare | Equity | 0.62% |
| Kalpataru Projects International Ltd. | Capital Goods | Equity | 0.60% |
| Alembic Pharmaceuticals Ltd. | Healthcare | Equity | 0.58% |
| Zensar Technologies Ltd. | Technology | Equity | 0.57% |
| Redington Ltd. | Services | Equity | 0.56% |
| GOI | Sovereign | GOI Sec | 0.54% |
| Balkrishna Industries Ltd. | Automobile | Equity | 0.54% |
| Gujarat State Petronet Ltd. | Energy | Equity | 0.54% |
| Godrej Consumer Products Ltd. | Consumer Staples | Equity | 0.54% |
| National Aluminium Company Ltd. | Metals & Mining | Equity | 0.51% |
| Escorts Kubota Ltd. | Automobile | Equity | 0.50% |
| Delhivery Ltd. | Services | Equity | 0.50% |
| CIE Automotive India Ltd. | Metals & Mining | Equity | 0.49% |
| Amagi Media Labs Ltd. | Technology | Equity | 0.48% |
| Voltamp Transformers Ltd. | Capital Goods | Equity | 0.48% |
| Equitas Small Finance Bank Ltd. | Financial | Equity | 0.48% |
| PVR Inox Ltd. | Services | Equity | 0.46% |
| Crompton Greaves Consumer Electricals Ltd. | Consumer Discretionary | Equity | 0.46% |
| UTI Asset Management Company Ltd. | Financial | Equity | 0.46% |
| Sonata Software Ltd. | Technology | Equity | 0.42% |
| The Anup Engineering Ltd. | Capital Goods | Equity | 0.42% |
| Huhtamaki India Ltd. | Chemicals | Equity | 0.40% |
| Bayer CropScience Ltd. | Chemicals | Equity | 0.39% |
| Procter & Gamble Health Ltd. | Healthcare | Equity | 0.37% |
| Goodyear India Ltd. | Automobile | Equity | 0.37% |
| SKF India (Industrial) Ltd. | Capital Goods | Equity | 0.35% |
| GNA Axles Ltd. | Automobile | Equity | 0.34% |
| Bajaj Electricals Ltd. | Consumer Discretionary | Equity | 0.32% |
| Finolex Industries Ltd. | Chemicals | Equity | 0.31% |
| Power Grid Corporation Of India Ltd. | Energy | Bonds | 0.30% |
| Wipro Ltd. | Technology | Equity | 0.28% |
| GOI | Sovereign | GOI Sec | 0.28% |
| Tamil Nadu Newsprint & Papers Ltd. | Consumer Staples | Equity | 0.27% |
| Timken India Ltd. | Capital Goods | Equity | 0.26% |
| Cyient Ltd. | Technology | Equity | 0.23% |
| Mahindra & Mahindra Ltd. | Automobile | Equity | 0.20% |
| Mahindra Holidays & Resorts India Ltd. | Services | Equity | 0.17% |
| KEC International Ltd. | Capital Goods | Equity | 0.16% |
| Popular Vehicles And Services Ltd. | Services | Equity | 0.15% |
| Rolex Rings Ltd | Capital Goods | Equity | 0.14% |
| Nilkamal Ltd. | Chemicals | Equity | 0.12% |
| Tenneco Clean Air India Ltd | Automobile | Equity | 0.08% |
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 | +15.1% | +13.9% | +15.9% | +16.0% |
| Category average (Hybrid Aggressive Hybrid) | +14.3% | +13.9% | +12.0% | -- |
| Rank (Hybrid Aggressive Hybrid) | 27 | 15 | 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) | |
|---|---|---|---|---|
ICICI Prudential Equity & Debt Fund Direct Growth | +17.77% | +20.23% | 49,256.66 | |
JM Aggressive Hybrid Fund Direct Growth | +8.92% | +19.40% | 753.46 | |
Edelweiss Aggressive Hybrid Fund Direct Growth | +15.17% | +18.84% | 3,453.04 | |
Nippon India Aggressive Hybrid Fund Direct Growth | +15.69% | +16.86% | 4,024.55 | |
Franklin India Aggressive Hybrid Fund Direct Growth | +11.53% | +16.10% | 2,340.81 | |
| 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 ₹9,37,232 Cr and the Latest NAV as of 27 Feb 2026 is ₹44.06.
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.
;
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₹9,37,232.21 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,