January 21, 2026
RA Jainee
HDFC Retirement Savings Fund Equity Plan
| Fund at a Glance | |
| NAV Growth (Rs.) | 58.09 |
| NAV Bonus (Rs.) | — |
| NAV IDCW (Rs.) | — |
| Min. Investment (Rs.) | 100 |
| Min. SIP Investment (Rs.) | 100 |
| Min. No of Cheques | 6 |
| Benchmark | NIFTY 500 TRI |
| AUM Rs. | 7,086 Cr |
| (As on 31-Dec-2025) | |
| Expense | 0.71% |
| 1 Year Return (%) | 7.63 |
| 3 Year Return (%) | 18.80 |
| 5 Year Return (%) | 20.68 |
| 10 Year Return (%) | — |
| Return Since Launch | 19.45% |
⚖️ Sahifund Review – HDFC Retirement Savings Fund Equity Plan ✔
PLUS: Stability, track record, cost efficiency
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MINUS: Large AUM, large-cap bias, momentum lag
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Sahifund View (Decisive Line):
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| NFO Guidance |
What lies ahead? Below we decode returns consistency, portfolio concentration, peer positioning and risk profile in detail.
Suitable For Which Investors?
Flexi-cap funds are suitable for investors:
1. Seeking exposure in a diversified set of stocks for high returns
2. Aiming for long-term wealth creation
3. With a 5+ year investment horizon
4. Who are at ease with the market’s ups and downs
Note:
• Invest only through SIP
• The fund carries a lock-in period of 5 years or till the investor attains retirement age, whichever is earlier
Fund’s Investment Strategy:
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 Manager:
1) Srinivasan Ramamurthy
Education: Mr. Ramamurthy is an engineer by qualification from Jadavpur University and has done his MBA from IIM – Calcutta.
Experience: Prior to joining HDFC Asset Management Company Limited, he has worked with Mahindra Mutual Fund, IDBI Federal Life Insurance, IIFL Capital Limited, Maybank Kim Eng, Credit Suisse and KPMG Advisory.
2) Shobhit Mehrotra
Education: He is an MBA from Clemson University, USA.
Experience: Prior to joining HDFC AMC he has worked with Franklin Templeton AMC, and ICRA.
3) Arun Agarwal
Education: Mr. Agarwal is a B.Com. and Chartered Accountant
Experience: Prior to joining HDFC Asset Management Company Limited, he has worked with SBI Funds Management Pvt. Ltd., ICICI Bank Limited, UTI Asset Management Pvt. Ltd.
4) Nandita Menezes
Education: CA (ICAI, INDIA), B.Com (University of Mumbai)
Experience: Prior to joining HDFC AMC, she was associated with S.V. Ghatalia & Associates LLP.
Investment Details
| Min. Investment (Rs) | 100 |
| Min. Addl Investment (Rs) | 100 |
| Min. SIP Investment (Rs) | 100 |
| Min. Withdrawal (Rs) | 100 |
| Min. No of Cheques | 6 |
| Min. Balance (Rs) | 5,000 |
| Lock-in Period | 5 Years |
| Exit Load | 0 |
Basic Details of HDFC Retirement Savings Fund Equity Plan
| Fund House | HDFC Mutual Fund |
| Launch Date | 25-Feb-16 |
| Return Since Launch | 19.45% |
| Benchmark | NIFTY 500 TRI |
| Riskometer | Very High |
| Type | Open-ended |
| Assets (RS) | 7,086 Cr |
| (As on 31-Dec-2025) | |
| Expense | 0.71% |
| (As on 31-Dec-2025) | |
| Risk Grade | Low |
| Return Grade | Above Average |
| Turnover | 14.23% |
Trailing Returns (%)
| Fund name | YTD | 1D | 1M | 3M | 6M | 1Y | 3Y | 5Y | 7Y | 10Y |
| HDFC Retirement Savings Equity Dir | -1.49 | 0.04 | -0.53 | -0.36 | 0.21 | 7.63 | 18.80 | 20.68 | 19.05 | — |
| BSE 500 TRI | -1.63 | 0.08 | -0.40 | -0.24 | 0.50 | 9.14 | 16.12 | 15.58 | 15.63 | — |
| Equity: Flexi Cap | -1.31 | 0.09 | -0.43 | -1.00 | -0.04 | 7.23 | 17.64 | 15.89 | 15.80 | — |
| Rank within category | 76 | 79 | 63 | 50 | 50 | 52 | 29 | 8 | 6 | — |
| Number of funds in category | 115 | 116 | 113 | 110 | 102 | 95 | 72 | 57 | 42 | 35 |
Peer Comparison of HDFC Retirement Savings Fund Equity Plan
| Rating | 1 Year Returns | 3 Year Returns | 5 Year Returns | Expense Ratio (%) | Net Assets (Rs. Cr) | Return Since Launch (%) | Exit Load (Days) | Fund Age | Turnover (%) | |
| HDFC Retirement Savings Equity Dir | 5 star | 7.63 | 18.80 | 20.68 | 0.71 | 7,086 | 19.45 | — | 9Y 10M | 14.23 |
| Parag Parikh Flexi Cap Dir | 5 star | 9.07 | 22.10 | 20.08 | 0.63 | 1,33,309 | 19.35 | 2.00 (365) | 12Y 7M | 12.67 |
| HDFC Flexi Cap Dir | 5 star | 14.50 | 22.44 | 22.84 | 0.65 | 96,295 | 16.87 | 1.00 (365) | 13Y | 12.51 |
| SBI Focused Dir | 4 star | 16.18 | 19.79 | 17.25 | 0.74 | 43,173 | 15.91 | 0.25 (30) | 13Y | 37.00 |
| HDFC Focused Dir | 5 star | 14.07 | 22.72 | 24.47 | 0.61 | 26,537 | 15.72 | 1.00 (365) | 13Y | 13.75 |
Portfolio Analysis of HDFC Retirement Savings Fund Equity Plan
| No. of Stocks | 70 |
| Top 10 Stocks | 42.03% |
| Top 5 Stocks | 26.71% |
| Top 3 Sectors | 54.34% |
| Portfolio P/B Ratio | 3.36 |
| Portfolio P/E Ratio | 22.37 |
Portfolio Breakup
| Fund | Category | |
| Average Mkt Cap (Rs Cr) | 2,11,803 | 1,87,652 |
| Giant (%) | — | — |
| Large (%) | 65.85 | 62.33 |
| Mid (%) | 12.53 | 22.06 |
| Small (%) | 21.62 | 15.86 |
| Tiny (%) | — | — |
Disclaimer: Mutual fund investments are subject to market risks. Read all scheme related documents carefully
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