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Invest in direct mutual funds at zero charges via lump sump investments or SIPs
HDFC Retirement Savings Fund Hybrid Equity Plan Direct Growth
+9.67%
3Y annualised
+0.57% 1D
NAV: 09 Jun '26
₹41.42
Min. for SIP
₹100
Fund size (AUM)
₹1,616.22 Cr
Expense ratio
1.07%
Rating
4
Return calculator
Monthly investment
₹5,000
| Over the past | Total investment | Would've become | Historic returns | Returns |
|---|---|---|---|---|
| 1 year | ₹60,000 | ₹56,990 | -5.02% | |
| 3 years | ₹1,80,000 | ₹1,84,352 | +2.42% | |
| 5 years | ₹3,00,000 | ₹3,62,814 | +20.94% | |
| 10 years | ₹6,00,000 | ₹11,13,033 | +85.51% |
Holdings (85)
| Name | Sector | Instruments | Assets |
|---|---|---|---|
| Repo | Unspecified | Repo | 6.48% |
| HDFC Bank Ltd | Financial | Equity | 5.73% |
| ICICI Bank Ltd | Financial | Equity | 5.47% |
| BAJAJ FINANCE LIMITED 7.93 NCD 02MY34 FVRS1LAC | Financial | Debenture | 4.34% |
| Reliance Industries Ltd | Energy & Utilities | Equity | 3.98% |
| State Bank of India | Financial | Equity | 3.31% |
| Axis Bank Ltd | Financial | Equity | 3.14% |
| Kotak Mahindra Bank Ltd | Financial | Equity | 2.85% |
| Maruti Suzuki India Ltd | Consumer Discretionary | Equity | 2.47% |
| Bharti Airtel Ltd | Technology | Equity | 2.33% |
| Tata Consultancy Services Ltd | Technology | Equity | 2.30% |
| Infosys Ltd | Technology | Equity | 2.19% |
| Power Grid Corporation of India Ltd | Energy & Utilities | Equity | 1.97% |
| GOVERNMENT OF INDIA 31909 GOI 22AG32 7.26 FV RS 100 | Entities | GOI Securities | 1.88% |
| CENTRAL GOVERNMENT LOAN 30581 GOI 12JL31 6.1 FV RS 100 | Entities | GOI Securities | 1.86% |
| Larsen & Toubro Ltd | Industrials | Equity | 1.86% |
| GOI Sec 7.18 14/08/2033 | Entities | GOI Securities | 1.56% |
| GOI Sec 7.18 24/07/2037 | Entities | GOI Securities | 1.55% |
| BAJAJ HOUSING FINANCE LIMITED NCD 7.50 09AP35 FVRS1LAC | Financial | Non Convertible Debenture | 1.51% |
| HCL Technologies Ltd | Technology | Equity | 1.48% |
| ITC Ltd | Consumer Staples | Equity | 1.36% |
| GOVERNMENT OF INDIA 32584 GOI 06FB33 7.26 FV RS 100 | Entities | GOI Securities | 1.25% |
| Bajaj Auto Ltd | Consumer Discretionary | Equity | 1.24% |
| City Union Bank Ltd | Financial | Equity | 1.17% |
| Max Financial Services Ltd | Financial | Equity | 1.13% |
| Dr. Lal Pathlabs Ltd | Healthcare | Equity | 1.10% |
| ICICI Lombard General Insurance Company Ltd | Financial | Equity | 1.09% |
| Havells India Ltd | Consumer Discretionary | Equity | 1.00% |
| Alkem Laboratories Ltd | Healthcare | Equity | 1.00% |
| Vesuvius India Ltd | Industrials | Equity | 0.96% |
| MAHINDRA RURAL HOUSING FINANCE LIMITED SR AA 8.35 NCD 24SP32 FVRS10LAC | Financial | Non Convertible Debenture | 0.94% |
| Lumax Industries Ltd | Consumer Discretionary | Equity | 0.94% |
| Embassy Office Parks REIT | Real Estate | Real Estate Investment Trusts | 0.92% |
| Tata Steel Ltd | Materials | Equity | 0.92% |
| NTPC Ltd | Energy & Utilities | Equity | 0.86% |
| SBI Life Insurance Company Ltd | Financial | Equity | 0.84% |
| Cipla Ltd | Healthcare | Equity | 0.81% |
| CENTRAL GOVERNMENT LOAN 21658 GOI 17JU33 7.57 FV RS 100 | Entities | GOI Securities | 0.80% |
| CreditAccess Grameen Ltd | Financial | Equity | 0.80% |
| Net Current Assets | Unspecified | Net Current Assets | 0.77% |
| Suprajit Engineering Ltd | Consumer Discretionary | Equity | 0.76% |
| SKF India Ltd | Industrials | Equity | 0.74% |
| United Spirits Ltd | Consumer Staples | Equity | 0.74% |
| HDFC Life Insurance Co Ltd | Financial | Equity | 0.73% |
| Voltamp Transformers Ltd | Industrials | Equity | 0.73% |
| Blue Dart Express Ltd | Industrials | Equity | 0.68% |
| Balkrishna Industries Ltd | Consumer Discretionary | Equity | 0.67% |
| Godrej Consumer Products Ltd | Consumer Staples | Equity | 0.66% |
| Transport Corporation Of India Ltd | Industrials | Equity | 0.63% |
| Kalpataru Power Transmission Ltd | Industrials | Equity | 0.63% |
| PVR Ltd | Consumer Discretionary | Equity | 0.59% |
| Crompton Greaves Consumer Electricals Ltd | Consumer Discretionary | Equity | 0.59% |
| Mahindra CIE Automotive Ltd | Consumer Discretionary | Equity | 0.59% |
| Alembic Pharmaceuticals Ltd | Healthcare | Equity | 0.58% |
| Hindustan Petroleum Corporation Ltd | Energy & Utilities | Equity | 0.58% |
| Delhivery Ltd | Industrials | Equity | 0.58% |
| The Ramco Cements Ltd | Materials | Equity | 0.58% |
| CENTRAL GOVERNMENT LOAN 29633 GOI 17DC50 6.67 FV RS 100 | Entities | GOI Securities | 0.56% |
| Gland Pharma Ltd | Healthcare | Equity | 0.54% |
| Gujarat State Petronet Ltd | Energy & Utilities | Equity | 0.53% |
| The Anup Engineering Ltd | Industrials | Equity | 0.51% |
| Escorts Kubota Ltd | Industrials | Equity | 0.50% |
| Zensar Technologies Ltd | Technology | Equity | 0.48% |
| Equitas Small Finance Bank Ltd | Financial | Equity | 0.48% |
| Redington Ltd | Technology | Equity | 0.47% |
| UTI Asset Management Company Ltd | Financial | Equity | 0.47% |
| Bayer CropScience Ltd | Materials | Equity | 0.44% |
| GNA Axles Ltd | Consumer Discretionary | Equity | 0.43% |
| Timken India Ltd | Industrials | Equity | 0.42% |
| Huhtamaki India Ltd | Materials | Equity | 0.42% |
| Eris Lifesciences Ltd | Healthcare | Equity | 0.41% |
| Procter & Gamble Health Ltd | Healthcare | Equity | 0.39% |
| Goodyear India Ltd | Consumer Discretionary | Equity | 0.39% |
| Sonata Software Ltd | Technology | Equity | 0.36% |
| Tamil Nadu Newsprint & Papers Ltd | Materials | Equity | 0.33% |
| Finolex Industries Ltd | Industrials | Equity | 0.32% |
| Bajaj Electricals Ltd | Consumer Discretionary | Equity | 0.32% |
| POWER GRID CORPORATION OF INDIA LIMITED STRPP-L 7.93 LOA 20MY28 FVRS10LAC | Energy & Utilities | Bonds | 0.31% |
| National Aluminium Company Ltd | Materials | Equity | 0.31% |
| SKF India (Industrial) Ltd | Industrials | Equity | 0.30% |
| GOVERNMENT OF INDIA 36185 GOI 07JL40 6.68 FV RS 100 | Entities | GOI Securities | 0.29% |
| Amagi Media Labs Ltd. | Technology | Equity | 0.28% |
| Wipro Ltd | Technology | Equity | 0.25% |
| Popular Vehicles And Services Ltd. | Consumer Discretionary | Equity | 0.15% |
| Nilkamal Ltd | Materials | 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 | 3Y | 5Y | 10Y | All |
|---|---|---|---|---|
| Fund returns | +9.7% | +10.6% | +13.6% | +14.8% |
| Category average (Hybrid Aggressive Hybrid) | +14.3% | +13.9% | +12.0% | -- |
| Rank (Hybrid Aggressive Hybrid) | 37 | 27 | 5 | -- |
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) | |
|---|---|---|---|---|
 | +0.72% | +16.14% | 50,367.73 | |
 | +0.26% | +15.15% | 3,627.22 | |
 | +2.06% | +13.73% | 83,353.48 | |
 | -1.05% | +12.51% | 3,958.21 | |
 | -4.06% | +12.07% | 2,305.63 | |
| Compare | ||||
Fund management
SRSrinivasan RamamurthyDec 2021 - PresentView details
SR
Srinivasan Ramamurthy
Dec 2021 - Present
View details
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
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. Srinivasan Ramamurthy 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 ₹9,37,048 Cr and the Latest NAV as of 09 Jun 2026 is ₹41.42.
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₹9,37,047.59 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,