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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
+12.56%
3Y annualised
-0.38% 1D
NAV: 09 Apr '26
₹41.96
Min. for SIP
₹100
Fund size (AUM)
₹1,539.92 Cr
Expense ratio
0.96%
Rating
4
Return calculator
Monthly investment
₹5,000
| Over the past | Total investment | Would've become | Historic returns | Returns |
|---|---|---|---|---|
| 1 year | ₹60,000 | ₹57,815 | -3.64% | |
| 3 years | ₹1,80,000 | ₹1,91,426 | +6.35% | |
| 5 years | ₹3,00,000 | ₹3,76,924 | +25.64% | |
| 10 years | ₹6,00,000 | ₹11,60,572 | +93.43% |
Holdings (85)
| Name | Sector | Instruments | Assets |
|---|---|---|---|
| HDFC Bank Ltd. | Financial | Equity | 5.70% |
| ICICI Bank Ltd. | Financial | Equity | 5.48% |
| Bajaj Finance Ltd. | Financial | Debenture | 4.57% |
| Reliance Industries Ltd. | Energy | Equity | 3.49% |
| State Bank of India | Financial | Equity | 3.18% |
| Axis Bank Ltd. | Financial | Equity | 3.02% |
| Kotak Mahindra Bank Ltd. | Financial | Equity | 2.75% |
| Infosys Ltd. | Technology | Equity | 2.44% |
| Maruti Suzuki India Ltd. | Automobile | Equity | 2.40% |
| Bharti Airtel Ltd. | Communication | Equity | 2.31% |
| Tata Consultancy Services Ltd. | Technology | Equity | 2.30% |
| GOI | Sovereign | GOI Sec | 1.97% |
| GOI | Sovereign | GOI Sec | 1.94% |
| Power Grid Corporation Of India Ltd. | Energy | Equity | 1.92% |
| HCL Technologies Ltd. | Technology | Equity | 1.74% |
| Larsen & Toubro Ltd. | Construction | Equity | 1.71% |
| GOI | Sovereign | GOI Sec | 1.63% |
| GOI | Sovereign | GOI Sec | 1.62% |
| Bajaj Housing Finance Ltd. | Financial | NCD | 1.59% |
| Bajaj Auto Ltd. | Automobile | Equity | 1.43% |
| GOI | Sovereign | GOI Sec | 1.32% |
| ITC Ltd. | Consumer Staples | Equity | 1.31% |
| Max Financial Services Ltd. | Financial | Equity | 1.11% |
| Dr. Lal Pathlabs Ltd. | Healthcare | Equity | 1.11% |
| ICICI Lombard General Insurance Company Ltd. | Insurance | Equity | 1.11% |
| City Union Bank Ltd. | Financial | Equity | 1.09% |
| Alkem Laboratories Ltd. | Healthcare | Equity | 1.03% |
| Mahindra Rural Housing Finance Ltd. | Financial | NCD | 1.00% |
| Embassy Office Parks REIT | Construction | REITs | 0.96% |
| Lumax Industries Ltd. | Automobile | Equity | 0.91% |
| Havells India Ltd. | Capital Goods | Equity | 0.89% |
| SBI Life Insurance Company Ltd. | Insurance | Equity | 0.87% |
| Tata Steel Ltd. | Metals & Mining | Equity | 0.87% |
| Vesuvius India Ltd. | Construction | Equity | 0.85% |
| NTPC Ltd. | Energy | Equity | 0.84% |
| GOI | Sovereign | GOI Sec | 0.83% |
| Cipla Ltd. | Healthcare | Equity | 0.79% |
| HDFC Life Insurance Co Ltd. | Insurance | Equity | 0.77% |
| Suprajit Engineering Ltd. | Automobile | Equity | 0.77% |
| CreditAccess Grameen Ltd. | Financial | Equity | 0.75% |
| United Spirits Ltd. | Consumer Staples | Equity | 0.71% |
| Balkrishna Industries Ltd. | Automobile | Equity | 0.68% |
| Transport Corporation Of India Ltd. | Services | Equity | 0.66% |
| SKF India Ltd. | Capital Goods | Equity | 0.64% |
| Gland Pharma Ltd. | Healthcare | Equity | 0.63% |
| Kalpataru Projects International Ltd. | Capital Goods | Equity | 0.62% |
| Blue Dart Express Ltd. | Services | Equity | 0.62% |
| Voltamp Transformers Ltd. | Capital Goods | Equity | 0.62% |
| The Ramco Cements Ltd. | Construction | Equity | 0.60% |
| GOI | Sovereign | GOI Sec | 0.58% |
| CIE Automotive India Ltd. | Metals & Mining | Equity | 0.58% |
| Alembic Pharmaceuticals Ltd. | Healthcare | Equity | 0.54% |
| Delhivery Ltd. | Services | Equity | 0.54% |
| Hindustan Petroleum Corporation Ltd. | Energy | Equity | 0.54% |
| PVR Inox Ltd. | Services | Equity | 0.53% |
| Crompton Greaves Consumer Electricals Ltd. | Consumer Discretionary | Equity | 0.51% |
| Godrej Consumer Products Ltd. | Consumer Staples | Equity | 0.51% |
| Zensar Technologies Ltd. | Technology | Equity | 0.50% |
| UTI Asset Management Company Ltd. | Financial | Equity | 0.49% |
| Bayer CropScience Ltd. | Chemicals | Equity | 0.45% |
| Redington Ltd. | Services | Equity | 0.45% |
| Gujarat State Petronet Ltd. | Energy | Equity | 0.45% |
| Escorts Kubota Ltd. | Automobile | Equity | 0.44% |
| Eris Lifesciences Ltd. | Healthcare | Equity | 0.42% |
| Timken India Ltd. | Capital Goods | Equity | 0.42% |
| The Anup Engineering Ltd. | Capital Goods | Equity | 0.42% |
| Equitas Small Finance Bank Ltd. | Financial | Equity | 0.39% |
| Procter & Gamble Health Ltd. | Healthcare | Equity | 0.37% |
| Huhtamaki India Ltd. | Chemicals | Equity | 0.37% |
| GNA Axles Ltd. | Automobile | Equity | 0.37% |
| Goodyear India Ltd. | Automobile | Equity | 0.34% |
| Power Grid Corporation Of India Ltd. | Energy | Bonds | 0.33% |
| Sonata Software Ltd. | Technology | Equity | 0.31% |
| National Aluminium Company Ltd. | Metals & Mining | Equity | 0.31% |
| SKF India (Industrial) Ltd. | Capital Goods | Equity | 0.30% |
| GOI | Sovereign | GOI Sec | 0.30% |
| Finolex Industries Ltd. | Chemicals | Equity | 0.29% |
| Bajaj Electricals Ltd. | Consumer Discretionary | Equity | 0.29% |
| Tamil Nadu Newsprint & Papers Ltd. | Consumer Staples | Equity | 0.28% |
| Wipro Ltd. | Technology | Equity | 0.24% |
| Amagi Media Labs Ltd. | Technology | Equity | 0.23% |
| Cyient Ltd. | Technology | Equity | 0.17% |
| Popular Vehicles And Services Ltd. | Services | Equity | 0.13% |
| KEC International Ltd. | Capital Goods | Equity | 0.13% |
| Nilkamal Ltd. | Chemicals | Equity | 0.10% |
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 | +12.6% | +12.6% | +14.5% | +15.2% |
| Category average (Hybrid Aggressive Hybrid) | +14.3% | +13.9% | +12.0% | -- |
| Rank (Hybrid Aggressive Hybrid) | 30 | 17 | 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
Returns are taxed at 20%, if you redeem before one year. After 1 year, you are required to pay LTCG tax of 12.5% on returns of Rs 1.25 lakh+ in a financial year.
Check past data
Compare similar funds
| Name | 1Y | 3Y | Fund Size(Cr) | |
|---|---|---|---|---|
ICICI Prudential Equity & Debt Fund Direct Growth | +10.48% | +18.45% | 46,700.42 | |
JM Aggressive Hybrid Fund Direct Growth | +4.00% | +17.83% | 735.49 | |
Edelweiss Aggressive Hybrid Fund Direct Growth | +9.38% | +16.93% | 3,545.93 | |
Nippon India Aggressive Hybrid Fund Direct Growth | +9.77% | +14.39% | 4,063.06 | |
Franklin India Aggressive Hybrid Fund Direct Growth | +5.74% | +14.06% | 2,349.87 | |
| Compare | ||||
Fund management
AAArun AgarwalApr 2025 - PresentView details
AA
Arun Agarwal
Apr 2025 - Present
View details
AJAnupam JoshiMar 2026 - PresentView details
AJ
Anupam Joshi
Mar 2026 - 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. Arun Agarwal 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 ₹9,52,320 Cr and the Latest NAV as of 09 Apr 2026 is ₹41.96.
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₹9,52,319.77 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,