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HDFC Retirement Savings Fund Hybrid Equity Plan Direct Growth
+10.75%
3Y annualised
+0.10% 1D
NAV: 20 May '26
₹41.62
Min. for SIP
₹100
Fund size (AUM)
₹1,616.22 Cr
Expense ratio
1.01%
Rating
4
Return calculator
Monthly investment
₹5,000
| Over the past | Total investment | Would've become | Historic returns | Returns |
|---|---|---|---|---|
| 1 year | ₹60,000 | ₹57,431 | -4.28% | |
| 3 years | ₹1,80,000 | ₹1,87,597 | +4.22% | |
| 5 years | ₹3,00,000 | ₹3,68,790 | +22.93% | |
| 10 years | ₹6,00,000 | ₹11,32,904 | +88.82% |
Holdings (83)
| Name | Sector | Instruments | Assets |
|---|---|---|---|
| HDFC Bank Ltd. | Financial | Equity | 5.73% |
| ICICI Bank Ltd. | Financial | Equity | 5.47% |
| Bajaj Finance Ltd. | Financial | Debenture | 4.34% |
| Reliance Industries Ltd. | Energy | 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. | Automobile | Equity | 2.47% |
| Bharti Airtel Ltd. | Communication | Equity | 2.33% |
| Tata Consultancy Services Ltd. | Technology | Equity | 2.30% |
| Infosys Ltd. | Technology | Equity | 2.19% |
| Power Grid Corporation Of India Ltd. | Energy | Equity | 1.97% |
| GOI | Sovereign | GOI Sec | 1.88% |
| GOI | Sovereign | GOI Sec | 1.86% |
| Larsen & Toubro Ltd. | Construction | Equity | 1.86% |
| GOI | Sovereign | GOI Sec | 1.56% |
| GOI | Sovereign | GOI Sec | 1.55% |
| Bajaj Housing Finance Ltd. | Financial | NCD | 1.51% |
| HCL Technologies Ltd. | Technology | Equity | 1.48% |
| ITC Ltd. | Consumer Staples | Equity | 1.36% |
| GOI | Sovereign | GOI Sec | 1.25% |
| Bajaj Auto Ltd. | Automobile | 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. | Insurance | Equity | 1.09% |
| Havells India Ltd. | Capital Goods | Equity | 1.00% |
| Alkem Laboratories Ltd. | Healthcare | Equity | 1.00% |
| Vesuvius India Ltd. | Construction | Equity | 0.96% |
| Lumax Industries Ltd. | Automobile | Equity | 0.94% |
| Mahindra Rural Housing Finance Ltd. | Financial | NCD | 0.94% |
| Tata Steel Ltd. | Metals & Mining | Equity | 0.92% |
| Embassy Office Parks REIT | Construction | REITs | 0.92% |
| NTPC Ltd. | Energy | Equity | 0.86% |
| SBI Life Insurance Company Ltd. | Insurance | Equity | 0.84% |
| Cipla Ltd. | Healthcare | Equity | 0.81% |
| CreditAccess Grameen Ltd. | Financial | Equity | 0.80% |
| GOI | Sovereign | GOI Sec | 0.80% |
| Suprajit Engineering Ltd. | Automobile | Equity | 0.76% |
| United Spirits Ltd. | Consumer Staples | Equity | 0.74% |
| SKF India Ltd. | Capital Goods | Equity | 0.74% |
| Voltamp Transformers Ltd. | Capital Goods | Equity | 0.73% |
| HDFC Life Insurance Co Ltd. | Insurance | Equity | 0.73% |
| Blue Dart Express Ltd. | Services | Equity | 0.68% |
| Balkrishna Industries Ltd. | Automobile | Equity | 0.67% |
| Godrej Consumer Products Ltd. | Consumer Staples | Equity | 0.66% |
| Kalpataru Projects International Ltd. | Capital Goods | Equity | 0.63% |
| Transport Corporation Of India Ltd. | Services | Equity | 0.63% |
| Crompton Greaves Consumer Electricals Ltd. | Consumer Discretionary | Equity | 0.59% |
| CIE Automotive India Ltd. | Metals & Mining | Equity | 0.59% |
| PVR Inox Ltd. | Services | Equity | 0.59% |
| Delhivery Ltd. | Services | Equity | 0.58% |
| Hindustan Petroleum Corporation Ltd. | Energy | Equity | 0.58% |
| Alembic Pharmaceuticals Ltd. | Healthcare | Equity | 0.58% |
| The Ramco Cements Ltd. | Construction | Equity | 0.58% |
| GOI | Sovereign | GOI Sec | 0.56% |
| Gland Pharma Ltd. | Healthcare | Equity | 0.54% |
| Gujarat State Petronet Ltd. | Energy | Equity | 0.53% |
| The Anup Engineering Ltd. | Capital Goods | Equity | 0.51% |
| Escorts Kubota Ltd. | Automobile | Equity | 0.50% |
| Zensar Technologies Ltd. | Technology | Equity | 0.48% |
| Equitas Small Finance Bank Ltd. | Financial | Equity | 0.48% |
| Redington Ltd. | Services | Equity | 0.47% |
| UTI Asset Management Company Ltd. | Financial | Equity | 0.47% |
| Bayer CropScience Ltd. | Chemicals | Equity | 0.44% |
| GNA Axles Ltd. | Automobile | Equity | 0.43% |
| Timken India Ltd. | Capital Goods | Equity | 0.42% |
| Huhtamaki India Ltd. | Chemicals | Equity | 0.42% |
| Eris Lifesciences Ltd. | Healthcare | Equity | 0.41% |
| Procter & Gamble Health Ltd. | Healthcare | Equity | 0.39% |
| Goodyear India Ltd. | Automobile | Equity | 0.39% |
| Sonata Software Ltd. | Technology | Equity | 0.36% |
| Tamil Nadu Newsprint & Papers Ltd. | Consumer Staples | Equity | 0.33% |
| Bajaj Electricals Ltd. | Consumer Discretionary | Equity | 0.32% |
| Finolex Industries Ltd. | Chemicals | Equity | 0.32% |
| Power Grid Corporation Of India Ltd. | Energy | Bonds | 0.31% |
| National Aluminium Company Ltd. | Metals & Mining | Equity | 0.31% |
| SKF India (Industrial) Ltd. | Capital Goods | Equity | 0.30% |
| GOI | Sovereign | GOI Sec | 0.29% |
| Amagi Media Labs Ltd. | Technology | Equity | 0.28% |
| Wipro Ltd. | Technology | Equity | 0.25% |
| Popular Vehicles And Services Ltd. | Services | 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 | 3Y | 5Y | 10Y | All |
|---|---|---|---|---|
| Fund returns | +10.8% | +11.6% | +14.1% | +14.9% |
| Category average (Hybrid Aggressive Hybrid) | +14.3% | +13.9% | +12.0% | -- |
| Rank (Hybrid Aggressive Hybrid) | 35 | 25 | 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) | |
|---|---|---|---|---|
JM Aggressive Hybrid Fund Direct Growth | -1.57% | +17.68% | 701.44 | |
ICICI Prudential Equity & Debt Fund Direct Growth | +2.47% | +17.30% | 50,367.73 | |
Edelweiss Aggressive Hybrid Fund Direct Growth | +2.25% | +16.44% | 3,627.22 | |
Nippon India Aggressive Hybrid Fund Direct Growth | +0.99% | +13.68% | 3,958.21 | |
Franklin India Aggressive Hybrid Fund Direct Growth | -2.56% | +13.10% | 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 20 May 2026 is ₹41.62.
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,