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HDFC Retirement Savings Fund - Equity Plan - Growth Option
★★★★★ TopFund est.
TopFund Score (fallback rating)
- Calculated by: TopFund — used only when no third-party rating exists for this fund
- Formula: 3-year trailing return percentile within category, adjusted ±1 star for expense ratio
- Refresh frequency: Whenever TopFund re-syncs this fund's data
- Limitations: A simplified 2-factor estimate, not equivalent to a rating agency's full analysis
TopFund Score: 60/100 · Average
How this score is calculated
- Star rating (35%)2/5
- 3Y CAGR (30%)9.63%
- Expense ratio (20%)0.94%
- AUM (15%)₹6,832 Cr
Not investment advice — an analytical read of public fund data. Methodology →
HDFC Mutual Fund · Solution Oriented · Retirement Fund
₹49.14
AUM: ₹6,832 Cr
NAV updated 28 days ago
Plan
Direct
Option
Growth
Expense Ratio
0.94%
Exit Load
Nil
Fund Manager
Shobhit Mehrotra, Chirag Setalvad, Rakesh Vyas
Inception
Feb 2016
Benchmark
NIFTY 500 Total Return Index
Sharpe Ratio
-0.66
Std Dev (1Y)
12.75%
Historical Returns (CAGR)
Annualized trailing returns computed from NAV history — past performance only, not a guarantee of future results.
1m
+1.14%
3m
+2.93%
6m
-2.59%
1y
-1.13%
3y
+9.63%
5y
+12.51%
10y
+14.25%
since inception
+16.37%
TopFund's Take on HDFC Retirement Savings Fund - Equity Plan - Growth Option
HDFC Retirement Savings Fund - Equity Plan - Growth Option sits in the middle of the pack for Retirement Fund funds, currently carrying a 2-star rating. TopFund's composite Health Score, which weighs rating, 3-year CAGR, expense ratio and fund size, puts it at 60/100.
Cost: At 0.94%, the expense ratio runs 13% above the Retirement Fund category average of 0.83%. That gap is worth weighing against the fund's actual performance versus cheaper peers before committing to a long SIP.
Risk-adjusted performance: Over the trailing 1-year period, the fund shows a negative Sharpe ratio of -0.66 — over the past year, returns haven't kept pace with the volatility involved, even before accounting for the risk-free rate. Separately, annualised volatility of 12.75% is fairly typical for Retirement Fund funds.
Who should invest: This fund is best suited to investors whose goals and risk appetite align with a Solution Oriented fund.
This is an automated, data-driven analysis based on the fund's own metrics and its category peers — not personalized investment advice. Consult a SEBI-registered advisor before investing.
Sector Allocation
Asset Allocation
Fund Snapshot
Tools & Guides for This Fund
Frequently Asked Questions about HDFC Retirement Savings Fund - Equity Plan - Growth Option
The current NAV (Net Asset Value) of HDFC Retirement Savings Fund - Equity Plan - Growth Option is ₹49.14. NAV is updated every business day after market close by AMFI.
1Y: -1.13% · 3Y CAGR: 9.63% · 5Y CAGR: 12.51%
The expense ratio of HDFC Retirement Savings Fund - Equity Plan - Growth Option is 0.94% per annum. This is the annual fee charged by the fund to manage your investment.
HDFC Retirement Savings Fund - Equity Plan - Growth Option is managed by Shobhit Mehrotra, Chirag Setalvad, Rakesh Vyas at HDFC Mutual Fund.
HDFC Retirement Savings Fund - Equity Plan - Growth Option is classified as a Retirement Fund risk fund. It is suitable for investors with a moderate risk appetite.
HDFC Retirement Savings Fund - Equity Plan - Growth Option is a Retirement Fund fund. SIP suitability depends on your investment goal and risk profile.
You can start a SIP in HDFC Retirement Savings Fund - Equity Plan - Growth Option with as little as ₹500 per month through most mutual fund platforms. The minimum lump sum investment is typically ₹1,000.
The Assets Under Management (AUM) of HDFC Retirement Savings Fund - Equity Plan - Growth Option is ₹6,832 crore. AUM indicates the total market value of assets managed by the fund.
* Past performance is not indicative of future results. Mutual fund investments are subject to market risks.
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