HDFC Retirement Savings Fund Hybrid Equity Plan Direct Growth

Solution Oriented
Retirement
Very High Risk
5Y Lock In
18.13%
3Y annualised
+0.38% 1D
1M
6M
1Y
3Y
5Y
All
NAV: 18 Mar 2024₹37.66
Min. SIP amount₹100
Rating5
Fund size₹1,338.49Cr

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 returns30.7%18.1%16.6%17.9%
Category average29.6%15.2%13.8%NA
Rank with in category21139NA
Understand terms

Holdings (77)

NameSectorInstrumentAssets
FinancialEquity5.11%
FinancialEquity4.82%
EnergyEquity3.27%
FinancialEquity2.79%
TechnologyEquity2.59%
ConstructionEquity2.55%
SovereignGOI Sec2.26%
GOI
SovereignGOI Sec2.19%
FinancialEquity2.13%
CommunicationEquity2.10%
See All

Pros and cons

Category: Solution Oriented Retirement

Pros

Cons

Consistently higher annualised returns than category average for the past 1Y, 3Y and 5Y
Lock-in period: 5Y
Higher alpha: 6.26 The fund has generated returns higher than benchmark - NIFTY 50 Hybrid Composite Debt 65:35 Index - in the last 3Y
Exit load is zero
Lower expense ratio: 0.95%
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: 0.95%

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

Dhruv Muchhal
Jun 2023 - Present
View details

Education
Mr. Dhruv has done B.Com, CA and CFA
Experience
Prior to joining HDFC MF,he has worked with Motilal Oswal Financial Services Ltd., Goldman Sachs, CRISIL Global Research & Analytics and Deloitte Haskins & Sells
Also manages these schemes

Fund house & investment objective

Fund house contact details

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

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