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3 Year return

25.39%
Launched on February 2016 (9 years)

Investment Details

₹100

Minimum SIP Amount

₹100

Minimum one time investment

No data found for this scheme

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Risk Involved

scale

Your principal will be at

Very High Risk

Scheme Information

Asset Under Management

₹6474.07 Cr.

Expense Ratio

0.74% (inclusive of GST)

Exit Load

Nil

Ratings

ARQ Rating
5

Ratings by other agencies

5
0
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

Fund Holdings

Holdings
Top Holdings% of Asset
HDFC Bank Ltd9.25%
ICICI Bank Ltd7.31%
Axis Bank Ltd4.55%
Reliance Industries Ltd4.50%
Bharti Airtel Ltd3.28%
Others71.11%
Other Holdings% of Asset
Kotak Mahindra Bank Ltd2.83%
Maruti Suzuki India Ltd2.65%
State Bank of India2.53%
Infosys Ltd2.40%
ITC Ltd2.25%
HCL Technologies Ltd2.13%
Larsen & Toubro Ltd2.01%
Interglobe Aviation Ltd1.85%
Cipla Ltd1.74%
Tata Consultancy Services Ltd1.66%
Power Grid Corporation of India Ltd1.62%
Bajaj Auto Ltd1.54%
ICICI Lombard General Insurance Company Ltd1.50%
Eicher Motors Ltd1.34%
United Spirits Ltd1.25%
Hindustan Petroleum Corporation Ltd1.21%
HDFC Life Insurance Company Ltd1.19%
Transport Corporation of India Ltd1.13%
Max Financial Services Ltd1.05%
Jindal Steel & Power Ltd1.00%
The Anup Engineering Ltd0.96%
Godrej Consumer Products Ltd0.95%
Dr Reddys Laboratories Ltd0.91%
Tata Steel Ltd0.90%
Voltamp Transformers Ltd0.88%
Apollo Hospitals Enterprise Ltd0.84%
Embassy Office Parks REIT0.80%
Gujarat State Petronet Ltd0.78%
Delhivery Ltd0.78%
Gland Pharma Ltd0.78%
Mahindra & Mahindra Ltd0.75%
IndusInd Bank Ltd0.74%
Aurobindo Pharma Ltd0.71%
Akzo Nobel India Ltd0.69%
Kalpataru Projects International Ltd0.68%
Finolex Cables Ltd0.63%
Tata Motors Ltd0.62%
Bajaj Electricals Ltd0.61%
Mahindra & Mahindra Financial Services Ltd0.59%
Greenply Industries Ltd0.58%
CRISIL Ltd0.57%
Nippon Life India Asset Management Ltd0.57%
Symphony Ltd0.55%
Chambal Fertilisers & Chemicals Ltd0.55%
Dr Lal Pathlabs Ltd0.53%
CEAT Ltd0.53%
Gateway Distriparks Ltd0.53%
CreditAccess Grameen Ltd0.48%
Star Health & Allied Insurance Company Ltd0.47%
Torrent Pharmaceuticals Ltd0.43%
PNC Infratech Ltd0.43%
Equitas Small Finance Bank Ltd0.43%
PVR Inox Ltd0.42%
Great Eastern Shipping Company Ltd0.42%
Finolex Industries Ltd0.42%
VRL Logistics Ltd0.41%
Balrampur Chini Mills Ltd0.39%
Prestige Estates Projects Ltd0.37%
Mahindra Holidays & Resorts India Ltd0.37%
Tamil Nadu Newsprint & Papers Ltd0.34%
GNA Axles Ltd0.34%
Cyient Ltd0.30%
Timken India Ltd0.27%
Carborundum Universal Ltd0.25%
K E C International Ltd0.22%
Redington Ltd0.20%
Nilkamal Ltd0.19%
National Aluminium Company Ltd0.13%
ITC Hotels Ltd0.08%

HDFC Mutual Fund Managers

SR

Srinivasan Ramamurthy

Fund Manager since Dec 2021

View Details

Fund House Details

HDFC Mutual Fund

HDFC Mutual Fund Asset management company

AUM ₹780,967.38 Cr.
No. of Schemes 177
Setup Date July 2000

Peer Comparison

Comparison with other similar funds

Schemes by HDFC Mutual Fund

List of mutual fund schemes by AMC

About HDFC Retirement Savings Fund Equity Plan Growth Direct Plan

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 28.97%
Expense Ratio 0.74%
Fund Manager Srinivasan Ramamurthy
Fund Size ₹6474.07 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
Addresss "HDFC House", 2nd Floor, H. T. Parekh Marg, 165-166, Backbay Reclamation, Churchgate, Mumbai - 400020
Contact 1800 3010 67671800 419 7676
Email 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 Jun 30 2025, is ₹58.187

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 ₹6474.07 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 0.74%

What are the returns of HDFC Retirement Savings Fund Equity since inception?

The HDFC Retirement Savings Fund Equity was launched on Feb 05 2016. The fund has delivered a CAGR of 20.72 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?

  1. Make sure you are logged in to Angel One.
  2. Select the type of investment: SIP or one-time.
  3. 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.
  4. Proceed by clicking the pay button and choosing your mode of payment.
  5. Your portfolio will be updated with this investment in 3-5 working days.

How to start an SIP in HDFC Retirement Savings Fund Equity?

  1. Click on the ‘Invest’ button.
  2. Enter your desired SIP amount and the SIP date.
  3. You can uncheck the ‘Make first payment now’ box if you don’t want to make the payment right away.
  4. Choose your payment method between UPI and Net Banking.
  5. Make your payment.
  6. Your SIP is created.

How do I automate an SIP in HDFC Retirement Savings Fund Equity?

  1. Once you create an SIP, click on ‘Set up autopay’
  2. Select your desired verification method - debit card, net banking or Aadhar method credentials - and click on submit.
  3. Once you verify the OTP, your mandate request will be created.

How can I withdraw/redeem my investment in HDFC Retirement Savings Fund Equity?

  1. Go to the ‘Investments’ section and click on the mutual fund scheme you want to withdraw.
  2. Enter the amount you want to withdraw and tap the ‘Withdraw’ button.
  3. Verify the details on the ‘Confirm withdraw’ screen.
  4. Select the bank account in which you want to receive the funds.
  5. You will receive your funds within three working days of placing the order.
  6. You can track your order in the ‘Orders’ section.

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 Jun 30 2025, is ₹58.187

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 ₹6474.07 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 0.74%

What are the returns of HDFC Retirement Savings Fund Equity since inception?

The HDFC Retirement Savings Fund Equity was launched on Feb 05 2016. The fund has delivered a CAGR of 20.72 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?

  1. Make sure you are logged in to Angel One.
  2. Select the type of investment: SIP or one-time.
  3. 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.
  4. Proceed by clicking the pay button and choosing your mode of payment.
  5. Your portfolio will be updated with this investment in 3-5 working days.

How to start an SIP in HDFC Retirement Savings Fund Equity?

  1. Click on the ‘Invest’ button.
  2. Enter your desired SIP amount and the SIP date.
  3. You can uncheck the ‘Make first payment now’ box if you don’t want to make the payment right away.
  4. Choose your payment method between UPI and Net Banking.
  5. Make your payment.
  6. Your SIP is created.

How do I automate an SIP in HDFC Retirement Savings Fund Equity?

  1. Once you create an SIP, click on ‘Set up autopay’
  2. Select your desired verification method - debit card, net banking or Aadhar method credentials - and click on submit.
  3. Once you verify the OTP, your mandate request will be created.

How can I withdraw/redeem my investment in HDFC Retirement Savings Fund Equity?

  1. Go to the ‘Investments’ section and click on the mutual fund scheme you want to withdraw.
  2. Enter the amount you want to withdraw and tap the ‘Withdraw’ button.
  3. Verify the details on the ‘Confirm withdraw’ screen.
  4. Select the bank account in which you want to receive the funds.
  5. You will receive your funds within three working days of placing the order.
  6. You can track your order in the ‘Orders’ section.