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SOLUTION ORIENTED•RETIREMENT FUND

HDFC Retirement Savings Fund Hybrid Equity

3 Year return

10.65%
NAV on May 19, 2026
41.452
1D Returns
-0.21%
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
18.25%₹657
Total Value ₹4,257

Risk Involved

scale
Your principal will be at
Very High Risk

Scheme Information

Asset Under Management
₹1,616.22 Cr.
Expense Ratio
1.11% (inclusive of GST)
Exit Load
Nil

Ratings

ARQ Rating
5

Ratings by other agencies

Value Research
4
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 Oct 2015

AA

Arun Agarwal

Fund Manager since Oct 2022

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 Jul 2022

Fund House Details

HDFC Mutual Fund

HDFC Mutual Fund

Asset management company

AUM
₹9,52,866.67 Cr.
No. of Schemes
184
Setup Date
July 2000

Peer Comparison

Comparison with other similar funds

Funds3 Y ReturnsARQ Rating
HDFC Retirement Savings Fund Equity13.4114%
5
Nippon India Retirement Fund Wealth Creation Scheme15.8034%
3.5
TATA Retirement Savings Fund Progressive17.081%
4

Schemes by HDFC Mutual Fund

List of mutual fund schemes by AMC

Funds
3 Years Returns
HDFC Mutual Fund logo

Hybrid . Dynamic Asset Allocation or Balanced Advantage

HDFC Balanced Advantage Fund Growth Plan Direct Plan
15.2303%
HDFC Mutual Fund logo

Hybrid . Dynamic Asset Allocation or Balanced Advantage

HDFC Balanced Advantage Fund IDCW Plan Direct Plan Payout
14.7954%
HDFC Mutual Fund logo

Hybrid . Dynamic Asset Allocation or Balanced Advantage

HDFC Balanced Advantage Fund IDCW Plan Direct Plan Reinvestment
14.7954%
HDFC Mutual Fund logo

Hybrid . Arbitrage Fund

HDFC Arbitrage Fund Wholesale Growth Direct Plan
7.4515%
HDFC Mutual Fund logo

Hybrid . Arbitrage Fund

HDFC Arbitrage Fund Wholesale Monthly IDCW Direct Plan Payout
7.4469%

About HDFC Retirement Savings Fund Hybrid Equity Plan Growth Direct Plan

Offered by HDFC Securities, the HDFC Retirement Savings Fund Hybrid Equity Plan Growth Direct Plan is categorised as an equity-oriented balanced fund. This means it is mandated to invest at least 65% of its assets in the equity market. The balanced fund from HDFC Securities uses the Nifty 50 Hybrid Composite Debt 65:35 Index as its benchmark. Owing to its predominant asset allocation in the equity market, this fund has a moderate to high risk profile, meaning that its returns can be volatile but it also has the potential for lower risk than a pure equity fund.

Investment Objective of the Scheme

HDFC Retirement Savings Fund Hybrid Equity Plan Growth Direct Plan aims to provide investors with the dual advantages of capital growth as well as a long-term source of income. The fund attempts to offer these benefits by investing in a mix of equity and debt assets, where the equity portion consists of a mix of large-cap, mid-cap and small-cap stocks, and the debt portion includes a mix of government bonds, corporate bonds and money market instruments.

Key Features of The Fund

5-year return
11.4925%
Expense Ratio
1.11%
Fund Manager
Anupam Joshi
Fund Size
₹1616.22 Cr.
Risk Profile
Very High

Is This Scheme Right for Me?

This balanced mutual fund scheme could be a suitable addition to your portfolio if you are looking for a long-term investment option that can help you meet your retirement goals. However, since the fund has a moderate to high risk profile, you must ensure that you are comfortable with taking on this level of risk before investing in the fund.

AMC Contact Details

NameHDFC Mutual Fund
Launch DateJuly 2000
Address"HDFC House", 2nd Floor, H. T. Parekh Marg, 165-166, Backbay Reclamation, Churchgate, Mumbai - 400020
Contact1800 3010 67671800 419 7676
Emailhello@hdfcfund.com
Websitehttps://www.hdfcfund.com/
Disclaimer: Mutual funds are subject to market risk. Read all scheme-related documents carefully to make informed-decision.

Build Investment Discipline with SIPs

SIPs instill a habit of disciplined saving. By automating your investments, you ensure consistent contributions towards your financial goals. Plan your SIP investment strategy the SIP investment calculator. This tool helps you estimate returns and stay on track with your long-term investment plan.

FAQs

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 Hybrid Equity on May 19, 2026, is ₹41.452
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 Hybrid Equity, is ₹1616.22 crore.
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 Hybrid Equity is 1.11%
The HDFC Retirement Savings Fund Hybrid Equity was launched on February 05, 2016. The fund has delivered a CAGR of undefined since inception.
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 Hybrid Equity is ₹100.
  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.
  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.
  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.
  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.

ENTER AMOUNT

₹
₹4,257 in 3Y at 10.6481% returns
SIP Date1st of every month

Your next SIP Payment will be on 20 June 2026

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