SOLUTION ORIENTED•RETIREMENT FUND
HDFC Retirement Savings Fund Equity
3 Year return
11.34%
NAV on August 11, 2026
56.81
1D Returns
+0.04%
Launched on February 2016(10 years)
Investment Details
₹100
Minimum SIP Amount
₹100
Minimum one time investment
Lock-in period: 5.0000 years
Calculate Returns
Based on past performance of this fund
₹
Your Investment₹3,600
Gain
19.58%₹705
Total Value ₹4,305
Risk Involved
Your principal will be at
Very High Risk
Scheme Information
Asset Under Management
₹6,832.14 Cr.
Expense Ratio
0.96% (inclusive of GST)
Exit Load
Nil
Ratings
5
Ratings by other agencies
Value Research
5
Crisil
0
Morning Star
0
Tax Implications
Withdrawal within 1 year:
20% tax on gains
Withdrawal after 1 year:
12.5% tax on gains above ₹1.25 lakh per financial year
HDFC Mutual Fund Manager
AJ
Anupam Joshi
Fund Manager since Mar 2026
AA
Arun Agarwal
Fund Manager since Aug 2020
DM
Dhruv Muchhal
Fund Manager since Jun 2023
NM
Nandita Menezes
Fund Manager since Mar 2025
SM
Shobhit Mehrotra
Fund Manager since Feb 2016
SR
Srinivasan Ramamurthy
Fund Manager since Dec 2021
Fund House Details
HDFC Mutual Fund
Asset management company
AUM
₹9,61,940.45 Cr.
No. of Schemes
185
Setup Date
July 2000
Peer Comparison
Comparison with other similar funds
| Funds | 3 Y Returns | ARQ Rating |
|---|---|---|
| Aditya Birla Sun Life Retirement Fund The 30S Plan | 17.2624% | 0.5 |
| Nippon India Retirement Fund Wealth Creation Scheme | 13.35% | 3.5 |
| SBI Retirement Benefit Fund Aggressive | 10.4936% | 0 |
Schemes by HDFC Mutual Fund
List of mutual fund schemes by AMC
Funds
3 Years Returns
Hybrid . Dynamic Asset Allocation or Balanced Advantage
HDFC Balanced Advantage Fund Growth Plan Direct Plan13.6645%
Hybrid . Dynamic Asset Allocation or Balanced Advantage
HDFC Balanced Advantage Fund IDCW Plan Direct Plan Payout13.2372%
Hybrid . Dynamic Asset Allocation or Balanced Advantage
HDFC Balanced Advantage Fund IDCW Plan Direct Plan Reinvestment13.2372%
The HDFC Retirement Savings Fund Equity Plan Direct-Growth emerges as a specialised Retirement Solutions mutual fund scheme from the trusted HDFC Mutual Fund. Aimed at aiding individuals in accumulating a significant corpus for their golden years, this fund harnesses the advantages of a diversified investment approach. One distinguishing feature is its lock-in period which extends for 5 years or until the investor reaches retirement age, whichever is earlier. Moreover, making it more attractive for long-term savers, investments in this fund can be eligible for tax benefits under Section 80C of the Income Tax Act.
Investment Objective of the Scheme
The primary ambition of the HDFC Retirement Savings Fund Equity Plan is to achieve a blend of capital appreciation and income generation over the long term. This is accomplished by judiciously investing in an assortment of equity and debt instruments. The ultimate goal is to facilitate investors in reaching their retirement objectives. However, as is the nature of investments there isn't an absolute guarantee that its investment goals will always be met.
Key Features of The Fund
5-year return
14.1472%
Expense Ratio
0.96%
Fund Manager
Anupam Joshi
Fund Size
₹6832.14 Cr.
Risk Profile
Very High
Is This Scheme Right for Me?
The HDFC Retirement Savings Fund Equity Plan is ideally designed for individuals who are either planning their retirement or are keen on maintaining their existing retirement portfolio. Given the inherent equity exposure, the fund carries the typical market risks associated with equity investments. It's essential for investors to have a long-term outlook when considering this fund. However, talk to your financial advisor and do your own research before making a decision.
AMC Contact Details
| Name | HDFC Mutual Fund |
| Launch Date | July 2000 |
| Address | "HDFC House", 2nd Floor, H. T. Parekh Marg, 165-166, Backbay Reclamation, Churchgate, Mumbai - 400020 |
| Contact | 1800 3010 67671800 419 7676 |
| hello@hdfcfund.com | |
| Website | https://www.hdfcfund.com/ |
Disclaimer: Mutual funds are subject to market risk. Read all scheme-related documents carefully to make informed-decision.
Your Guide Map for Investing
Investing without setting a financial goal takes out the aspect of clarity for an investor. Once a goal is set such as purchasing that dream car, you need to determine the optimum SIP amount vis a vis to the number of years of investing. Angel One's SIP calculator can serve as a map to guide you to take the smoothest road to your goals by finding the optimum balance between the variables affecting the SIP.
FAQs
What is today's NAV of HDFC Retirement Savings Fund Equity?
NAV, or Net Asset Value, is the price of a single unit of a mutual fund. It is calculated by dividing the current value of holdings held by the mutual fund scheme at the end of the day by the total number of units issued. The NAV changes every day. The NAV of HDFC Retirement Savings Fund Equity on August 11, 2026, is ₹56.81
What is the AUM of HDFC Retirement Savings Fund Equity?
Short for Asset Under Management, AUM means the total assets held by a mutual fund scheme. The AUM of the fund changes every day based on the fluctuation in the price of the underlying assets. Fund houses don't update AUM on a daily basis. They only update it at the end of the month and release it within a few days of the following month. The AUM of HDFC Retirement Savings Fund Equity, is ₹6832.14 crore.
What is the expense ratio of HDFC Retirement Savings Fund Equity?
The expense ratio is the annual charges you pay to the mutual fund house for managing your investments. It is a percentage of Assets Under Management. It is deducted from the fund's returns. The expense ratio of HDFC Retirement Savings Fund Equity is 0.96%
What are the returns of HDFC Retirement Savings Fund Equity since inception?
The HDFC Retirement Savings Fund Equity was launched on February 05, 2016. The fund has delivered a CAGR of undefined since inception.
What is the minimum SIP amount to invest in HDFC Retirement Savings Fund Equity?
A Systematic Investment Plan (SIP) in mutual funds allows you to invest small amounts periodically instead of a one-time investment. The frequency of investment can be monthly, quarterly, half-yearly or annually, as per your convenience. The minimum SIP for HDFC Retirement Savings Fund Equity is ₹100.
How do I invest in HDFC Retirement Savings Fund Equity?
- Make sure you are logged in to Angel One.
- Select the type of investment: SIP or one-time.
- In case of an SIP, select the amount and date and click ‘Start SIP’. In case of a one-time investment, enter just the amount.
- Proceed by clicking the pay button and choosing your mode of payment.
- Your portfolio will be updated with this investment in 3-5 working days.
How to start an SIP in HDFC Retirement Savings Fund Equity?
- Click on the ‘Invest’ button.
- Enter your desired SIP amount and the SIP date.
- You can uncheck the ‘Make first payment now’ box if you don’t want to make the payment right away.
- Choose your payment method between UPI and Net Banking.
- Make your payment.
- Your SIP is created.
How do I automate an SIP in HDFC Retirement Savings Fund Equity?
- Once you create an SIP, click on ‘Set up autopay’
- Select your desired verification method - debit card, net banking or Aadhar method credentials - and click on submit.
- Once you verify the OTP, your mandate request will be created.
How can I withdraw/redeem my investment in HDFC Retirement Savings Fund Equity?
- Go to the ‘Investments’ section and click on the mutual fund scheme you want to withdraw.
- Enter the amount you want to withdraw and tap the ‘Withdraw’ button.
- Verify the details on the ‘Confirm withdraw’ screen.
- Select the bank account in which you want to receive the funds.
- You will receive your funds within three working days of placing the order.
- You can track your order in the ‘Orders’ section.
ENTER AMOUNT
₹
₹4,305 in 3Y at 11.3436% returns
SIP Date1st of every month
Your next SIP Payment will be on 11 September 2026
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