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HDFC Retirement Savings Fund - Hybrid-Equity Plan - Growth Option - Direct Plan
★★★★★ 3rd-party
External rating
- Source: Third-party data provider (Groww/CRISIL)
- Original rating: 3/5, displayed as-is — TopFund does not modify third-party ratings
- Refresh frequency: Whenever TopFund re-syncs this fund's data
- Limitations: The provider's own rating methodology isn't disclosed here — see the provider's own site for their criteria
TopFund Score: 58/100 · Average
How this score is calculated
- Star rating (35%)3/5
- 3Y CAGR (30%)7.43%
- Expense ratio (20%)1.11%
- AUM (15%)₹1,604 Cr
Not investment advice — an analytical read of public fund data. Methodology →
HDFC Mutual Fund · Hybrid · Aggressive Hybrid
₹41.83
AUM: ₹1,603 Cr
NAV updated 5 days ago
Plan
Direct
Option
Growth
Risk
High
Expense Ratio
1.11%
Exit Load
Nil
Fund Manager
Shobhit Mehrotra, Chirag Setalvad, Rakesh Vyas
Inception
Feb 2016
Benchmark
NIFTY 50 Hybrid Composite Debt 65:35 Index
Sharpe Ratio
-0.81
Std Dev (1Y)
10.28%
Historical Returns (CAGR)
Annualized trailing returns computed from NAV history — past performance only, not a guarantee of future results.
1m
-2.72%
3m
-2.04%
6m
+1.83%
1y
-5.32%
3y
+7.43%
5y
+9.03%
10y
+12.39%
since inception
+14.89%
TopFund's Take on HDFC Retirement Savings Fund - Hybrid-Equity Plan - Growth Option - Direct Plan
HDFC Retirement Savings Fund - Hybrid-Equity Plan - Growth Option - Direct Plan sits in the middle of the pack for Aggressive Hybrid funds, currently carrying a 3-star rating. TopFund's composite Health Score, which weighs rating, 3-year CAGR, expense ratio and fund size, puts it at 58/100.
Cost: At 1.11%, the expense ratio runs 29% above the Aggressive Hybrid category average of 0.86%. 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 -0.81 — 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 10.28% is on the lower side for a Aggressive Hybrid fund, suggesting a comparatively smoother ride.
Who should invest: This fund is best suited to investors who want a single fund blending equity growth with debt-driven stability. 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 - Hybrid-Equity Plan - Growth Option - Direct Plan
The current NAV (Net Asset Value) of HDFC Retirement Savings Fund - Hybrid-Equity Plan - Growth Option - Direct Plan is ₹41.83. NAV is updated every business day after market close by AMFI.
1Y: -5.32% · 3Y CAGR: 7.43% · 5Y CAGR: 9.03%
The expense ratio of HDFC Retirement Savings Fund - Hybrid-Equity Plan - Growth Option - Direct Plan is 1.11% per annum. This is the annual fee charged by the fund to manage your investment.
HDFC Retirement Savings Fund - Hybrid-Equity Plan - Growth Option - Direct Plan is managed by Shobhit Mehrotra, Chirag Setalvad, Rakesh Vyas at HDFC Mutual Fund.
HDFC Retirement Savings Fund - Hybrid-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.
HDFC Retirement Savings Fund - Hybrid-Equity Plan - Growth Option - Direct Plan is a Aggressive Hybrid fund. SIP suitability depends on your investment goal and risk profile.
You can start a SIP in HDFC Retirement Savings Fund - Hybrid-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 - Hybrid-Equity Plan - Growth Option - Direct Plan is ₹1,604 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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