HDFC Retirement Savings Fund Hybrid Equity Direct Growth

HDFC Retirement Savings Fund Hybrid Equity Direct Growth

NAV as on 28-03-2025

₹ 41.22

-0.1%

1D

Inception Returns

16.9%

/yr

Historical NAV & Returns

Absolute

zero opening, trading, fund transfer fee
1003 people have invested ₹ 17.2L in HDFC Retirement Savings Fund Hybrid Equity Direct Growth in the last three months

About HDFC Retirement Savings Fund Hybrid Equity Direct Growth

HDFC Retirement Savings Fund Hybrid Equity Direct Growth is a hybrid fund. This fund was started on 25 February, 2016. The fund is managed by Shobhit Mehrotra, Srinivasan Ramamurthy. This fund gives you the benefit of diversification.

Key Parameters

  1. HDFC Retirement Savings Fund Hybrid Equity Direct Growth has ₹1485 Cr worth of assets under management (AUM) as on Feb 2025 and is more than category average.
  2. The fund has an expense ratio 1.

Returns

HDFC Retirement Savings Fund Hybrid Equity Direct Growth has given a CAGR return of 16.87% since inception. Over the last 1, 3 and 5 years the fund has given a CAGR return of 8.31%, 15.73% and 23.04% respectively.

Holdings

HDFC Retirement Savings Fund Hybrid Equity Direct Growth has allocated its funds majorly in Cash Equivalent, Financial Services, Government, Corporate, Consumer Cyclical, Industrial, Tech, Health, Consumer Defensive, Energy, Communication, Securitize, Basic Materials, Utilities.

Taxation

As it is a retirement mutual fund the taxation is as follows:
If the fund is equity oriented i.e. asset allocation of more than 65% in equity instruments:
For short term (less than a year) capital gains will be taxed at 20%
For long term (more than 1 year) capital gains will be taxed at 12.5% without indexation benefit
Long term gains up to Rs 1 lakh are exempt from taxation (more than 12 months).

Investment objective of HDFC Retirement Savings Fund Hybrid Equity Direct Growth

The investment objective of the Scheme is to provide long-term capital appreciation / income by investing in a mix of equity and debt instruments to help investors meet their retirement goals. There is no assurance that the investment objective of the Scheme will be realized.

Minimum Investment and lockin period

Minimum investment for lump sum payment is INR 100.00 and for SIP is INR 100.00. There is a lock in period for HDFC Retirement Savings Fund Hybrid Equity Direct Growth of 5 Years

HDFC Retirement Savings Fund Hybrid Equity Direct Growth Overview

Expense ratio0.96%
Benchmark
IISL Nifty 50 TR INR
AUM₹1485 Cr
Inception Date25 February, 2016
Min Lumpsum/SIP₹100/₹100
Exit Load0%
Lock In5 Years
TurnOver
12.77%
STCGSelling mutual fund within 36 months, gains taxed at slab rates.
LTCGHolding over 3 years, gains taxed at slab rates without indexation.
Risk
Risk meter
pointer
Very High Risk

Trailing Returns

as on (28-Mar-25)

Period
HDFC Retirement Savings Fund Hybrid Equity Direct Growth
Retirement Index
1M
5.1%
-
3M
-2.9%
-
6M
-7.4%
-
1Y
8.3%
-
3Y
15.7%
-
5Y
23%
-

Fund Distribution

as on (28-Feb-25)

  • Equity 65.2%

  • Debt & Cash 34.8%

Large cap
45.9%

Small cap
15.5%

Mid cap
3.8%

Sector Allocation

Feb'25

Jan'25

Dec'24

Financial Services
37.8%
Consumer Cyclical
13.7%
Industrial
12.6%
Tech
10.4%
Health
6.1%
Consumer Defensive
5.4%
Energy
5.2%
Communication
4.1%
Basic Materials
2.4%
Utilities
2.2%
All changes are between Oct'69 and Dec'69
Parameters
Feb'25
Jan'25
Dec'24
AUM
₹ 1.5K Cr
₹ 1.6K Cr
₹ 1.6K Cr
  • AUM of the fund stands at 1.5K Cr as of Feb'25
  • AUM decreased by 65.7 Cr between Feb'25 and Jan'25
Top Stocks bought last month
Maruti Suzuki India Ltd's allocation increased from 1.41% to 1.72%
Maruti Suzuki India Ltd's allocation increased from 1.41% to 1.72%
HCL Technologies Ltd's allocation increased from 1.96% to 2.12%
HCL Technologies Ltd's allocation increased from 1.96% to 2.12%
Infosys Ltd's allocation increased from 2.31% to 2.46%
Infosys Ltd's allocation increased from 2.31% to 2.46%
Top Stocks sold last month
ICICI Bank Ltd's allocation decreased from 5.74 % to 5.68 %
ICICI Bank Ltd's allocation decreased from 5.74 % to 5.68 %
Axis Bank Ltd's allocation decreased from 2.94 % to 2.69 %
Axis Bank Ltd's allocation decreased from 2.94 % to 2.69 %
State Bank of India's allocation decreased from 5.26 % to 2.51 %
State Bank of India's allocation decreased from 5.26 % to 2.51 %

Top 3 Sectors in February were Financial Services, Government & Corporate

Feb'25
Financial Services
38%
Government
31%
Corporate
17%
Jan'25
Financial Services
36%
Government
32%
Corporate
17%
Fund
Feb'25
Jan'25
Dec'24
No of Holdings
82
81
81
Top 5 Company Concentration
20.7%
20.2%
20.1%
Company having highest exposure
HDFC Bank Ltd (7%)
HDFC Bank Ltd (6.6%)
HDFC Bank Ltd (6.7%)
No of Sectors
13
13
13
Top 5 Sectors Concentration
111.7%
112.2%
112.5%
Sector having highest exposure
Financial Services (37.8%)
Financial Services (36%)
Financial Services (35.2%)
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Shobhit Mehrotra
Shobhit Mehrotra
Fund Manager of HDFC Retirement Savings Fund Hybrid Equity Direct Growth, since 25 February 2016
Srinivasan Ramamurthy
Srinivasan Ramamurthy
Fund Manager of HDFC Retirement Savings Fund Hybrid Equity Direct Growth, since 14 December 2021
Fund House
HDFC Asset Management Co Ltd
Total Schemes
Total AUM
₹8.05L Cr
as on 28-Feb-2025
Address
HDFC Asset Management Company Limited,“HUL House”, 2nd Floor,,H.T. Parekh Marg,165-166, Backbay Reclamation,,Churchgate,
Phone
+912266316333
Website
cliser@hdfcfund.com

Mutual Fund Insights

Insights icon
In the last 5 years, ICICI Prudential Retirement Fund Pure Equity Plan Direct Growth has given 32.76% return, outperforming this fund by 9.72% per annum.
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In the last 1 year, Aditya Birla Sun Life Retirement Fund - The 40s Pln Direct Growth has given 12.49% return, outperforming this fund by 4.18%.
Insights icon
Over the last 6 months, this fund has experienced a 6.4% drop in AUM moving from 1.58K Cr to 1.48K Cr.
Insights icon
This fund has one of the lowest expense ratio in the category (retirement). Its expense ratio is 0.96% which is lower than the category average expense ratio of 1.44%.
Insights icon
Over the last 6 months, this fund has increased expense ratio by 5.5% moving from 0.91 to 0.96.
Insights icon
In the last 3 years, ICICI Prudential Retirement Fund Pure Equity Plan Direct Growth has given 20.67% return, outperforming this fund by 4.93% per annum.

HDFC Retirement Savings Fund Hybrid Equity Direct Growth Highlights

Risk meter
pointer

Very High Risk

Investors understand that their principal will be at Very High Risk
About the fund

About the fund

This fund has delivered an average annual returns of 16.87% since inception which is more than its category average return of 10.22%
Fund Allocations

Fund Allocations

This fund has an allocation of 65.23% in Equity, 17.4% in Debt and 17.37% in Cash related instruments
AUM size ₹1485 Cr

AUM size ₹1485 Cr

This fund has AUM of ₹1485 Cr which is more than its category average of ₹ 731 Cr
Expense Ratio 0.96%

Expense Ratio 0.96%

This fund has an expense ratio of 0.96% which is less than its category average expense ratio of 1.55%

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Frequently Asked Questions for HDFC Retirement Savings Fund Hybrid Equity Direct Growth

The current NAV of HDFC Retirement Savings Fund Hybrid Equity Direct Growth is ₹41.22 as on 28-Mar-2025.
Existing (Absolute + CAGR) as on 28-Mar-2025.
HDFC Retirement Savings Fund Hybrid Equity Direct Growth
Absolute Returns
CAGR Returns
1 Month Returns
5.15%
5.15%
6 Month Returns
-7.4%
-7.4%
1 Year Returns
8.31%
8.31%
3 Years Returns
55.02%
15.73%
5 Years Returns
181.93%
23.04%
With INDmoney, the process of investing is very simple and involves zero commission.
  • Click Buy on the fund name.
  • Input the amount you are looking to invest.
  • Select Lump Sum or SIP (Weekly, Monthly or Quarterly).
  • Select your bank account and proceed with Payment.
0.96% as on March 2025
₹1485 Cr as on March 2025
HDFC Bank Ltd(7%), ICICI Bank Ltd(5.67%), Reliance Industries Ltd(2.83%), Axis Bank Ltd(2.73%), Kotak Mahindra Bank Ltd(2.43%) as on March 2025
Financial Services(24.68%), Cash Equivalent(17.37%), Government(10.79%) as on March 2025
AAA
83.58
AA
16.42
Shobhit Mehrotra, Srinivasan Ramamurthy are the fund managers of HDFC Retirement Savings Fund Hybrid Equity Direct Growth
The Exit load of HDFC Retirement Savings Fund Hybrid Equity Direct Growth is 0%