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HDFC Retirement Savings Fund - Equity Plan - Growth Option - Direct Plan
★★★★★ 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: 62/100 · Average
How this score is calculated
- Star rating (35%)2/5
- 3Y CAGR (30%)11.02%
- Expense ratio (20%)0.94%
- AUM (15%)₹6,832 Cr
Not investment advice — an analytical read of public fund data. Methodology →
HDFC Mutual Fund · Equity · Flexi Cap
₹56.08
AUM: ₹6,832 Cr
NAV updated 28 days ago
Plan
Direct
Option
Growth
Risk
High
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
-0.55
Std Dev (1Y)
13.19%
Historical Returns (CAGR)
Annualized trailing returns computed from NAV history — past performance only, not a guarantee of future results.
1m
+2.17%
3m
+2.87%
6m
-1.94%
1y
-1.36%
3y
+11.02%
5y
+13.76%
10y
+15.94%
since inception
+18.06%
TopFund's Take on HDFC Retirement Savings Fund - Equity Plan - Growth Option - Direct Plan
HDFC Retirement Savings Fund - Equity Plan - Growth Option - Direct Plan sits in the middle of the pack for Flexi Cap 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 62/100.
Cost: At 0.94%, the expense ratio runs 11% above the Flexi Cap category average of 0.85%. 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 -0.55 — 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 13.19% is fairly typical for Flexi Cap funds.
Who should invest: This fund is best suited to investors who want the fund manager to freely allocate across large, mid and small caps rather than being boxed into one segment. The High risk rating means near-term volatility should be expected — this isn't a fund to check daily.
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
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Tools & Guides for This Fund
Frequently Asked Questions about HDFC Retirement Savings Fund - Equity Plan - Growth Option - Direct Plan
The current NAV (Net Asset Value) of HDFC Retirement Savings Fund - Equity Plan - Growth Option - Direct Plan is ₹56.08. NAV is updated every business day after market close by AMFI.
1Y: -1.36% · 3Y CAGR: 11.02% · 5Y CAGR: 13.76%
The expense ratio of HDFC Retirement Savings Fund - Equity Plan - Growth Option - Direct Plan 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 - Direct Plan is managed by Shobhit Mehrotra, Chirag Setalvad, Rakesh Vyas at HDFC Mutual Fund.
HDFC Retirement Savings Fund - Equity Plan - Growth Option - Direct Plan is classified as a High risk fund. It is suitable for investors with a long-term horizon of 3+ years.
Yes, HDFC Retirement Savings Fund - Equity Plan - Growth Option - Direct Plan is an equity fund, making it suitable for SIP investments. Regular monthly SIPs help average out market volatility through rupee-cost averaging.
You can start a SIP in HDFC Retirement Savings Fund - Equity Plan - Growth Option - Direct Plan 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 - Direct Plan 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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