HDFC Retirement Savings Fund - Equity Plan
NAV
₹56.3
as of 21 Aug 2026
HDFC Retirement Savings Fund - Equity Plan is an open-ended Retirement Fund scheme from HDFC Mutual Fund managing ₹7,014 crore (as of 31 Jul 2026). Its Direct-plan NAV is ₹56.3 as of 21 Aug 2026. The expense ratio is 0.93% a year. Managed by Srinivasan Ramamurthy. This page is factual data only — it carries no rating and no recommendation.
Key facts
- Expense ratio
- 0.93% / yr
- as of 30 Jun 2026
- Fund size
- ₹7,014 crore
- as of 31 Jul 2026
- Exit load
- None
- SIP available
- Yes
- Launched
- 25 Feb 2016
- ISIN
- INF179KB1MF0
₹100 invested, fund vs category
The category line is the average of the funds in this category, built from NYVO’s own NAV data.
Rebased to 100data to 20 Aug 2026Benchmark: NIFTY 500 Index
HDFC Retirement Savings Fund - Equity Plan
₹195
+95% on ₹100 over 5.0 yrs
Retirement Fund average
₹163
+63% on ₹100 over 5.0 yrs
Returns vs category
| Window | Fund | Category avg | Gap |
|---|---|---|---|
| 6 months | -3.57% | – | – |
| 1 year | -2.27% | – | – |
| 3 years (CAGR) | 10.95% | – | – |
| 5 years (CAGR) | 14.14% | – | – |
No category average is available for this fund. Short windows are noise; the 3 and 5-year rows are the record. Past returns do not predict future returns.
A single return number depends on its start date. These are ALL the overlapping holding periods, so the worst case is visible — read that number first.
1-year holding periods
- Worst
- -2.9%
- Median
- 13.3%
- Best
- 42.6%
49 windows over the last 60 months, stepped monthly; 92% ended positive. Worst window began 1 Oct 2024. Windows overlap — this is the range of past start dates, not a probability of anything.
3-year holding periods (per year)
- Worst
- 14.3%
- Median
- 20.3%
- Best
- 25.3%
25 windows over the last 60 months, stepped monthly; 100% ended positive. Worst window began 3 Apr 2023. Windows overlap — this is the range of past start dates, not a probability of anything.
Risk, measured
- Sharpe ratio (3Y)
- 0.38
- Sharpe ratio (5Y)
- 0.65
- Sortino ratio (3Y)
- 0.53
- Standard deviation (3Y)
- 13.21%
- Deepest fall (5Y)
- -14.80%
Distance below its own peak
Every dip below 0 is the fund trading under a previous high — how deep and for how long is what a drawdown feels like.
Deepest fall
-14.8%
Right now
-5.6% below peak
Where the money actually is
Equity
95.7%
Cash
4.3%
Whole-portfolio split, as of 31 Jul 2026. The size split below covers only the equity slice of this.
What it owns
73 positions · top 10 = 41.4%
Market-cap mix (equity sleeve)
Large 64.3%Mid 10.4%Small 20.9%Other 4.4%
as of 31 Jul 2026
Holdings by sector
Financial Services(5 in top 10)32.7%
- ICICI Bank Ltd7.57%
- HDFC Bank Ltd6.93%
- Axis Bank Ltd4.21%
- Kotak Mahindra Bank Ltd3.90%
- State Bank of India2.93%
- Industrials13.3%
Consumer Cyclical(1 in top 10)10.8%
- Maruti Suzuki India Ltd3.21%
Technology(1 in top 10)8.3%
- Infosys Ltd2.58%
- Healthcare7.3%
Energy(1 in top 10)5.8%
- Reliance Industries Ltd4.85%
- Basic Materials4.8%
Communication Services(1 in top 10)3.6%
- Bharti Airtel Ltd2.81%
Sectors marked ▶ expand to show this fund’s top-10 holdings in that sector. Holdings as of 31 Jul 2026. Portfolio turnover 15.3% a year.
Other top holdings
- Treps - Tri-Party Repo4.22%
Money in, money out
- Net flow, 12 months
- +₹529 cr
- Net flow, 3 months
- +₹90 cr
as of 31 Jul 2026. Flows follow performance more than they predict it.
Quick answers
- What is the NAV of HDFC Retirement Savings Fund - Equity Plan?
- ₹56.3 per unit as of 21 Aug 2026 (Direct plan, growth). NAV is declared daily on working days.
- What is the expense ratio of HDFC Retirement Savings Fund - Equity Plan?
- 0.93% a year for the Direct plan, as of 30 Jun 2026.
- How large is HDFC Retirement Savings Fund - Equity Plan?
- ₹7,014 crore under management as of 31 Jul 2026, in the Retirement Fund category.
- How risky is HDFC Retirement Savings Fund - Equity Plan?
- Its SEBI Riskometer reading is "Very High Risk". A goal-linked wrapper with a lock-in until retirement or five years.
- What are the 5-year returns of HDFC Retirement Savings Fund - Equity Plan?
- 14.14% a year over the last 5 years (Direct plan, CAGR). Past returns do not predict future returns.
- What is the worst 3-year return of HDFC Retirement Savings Fund - Equity Plan?
- 14.3% a year — the weakest of 25 overlapping 3-year holding periods, beginning 3 Apr 2023. The median was 20.3% and 100% of those windows ended positive. Windows overlap, so this is the range of past start dates, not a probability.
- Who manages HDFC Retirement Savings Fund - Equity Plan?
- Srinivasan Ramamurthy, managing this fund for 4.6 years.
Where this fund sits
Its shelf, all funds
Rt · Retirement fund →
A goal-linked wrapper with a lock-in until retirement or five years.
The money map
How big this shelf is in India →
The whole industry sized by real money, from AMFI’s monthly data.
Side by side
Compare this fund →
Put it next to any other fund — growth, returns, risk and cost in one table.
One bet or two?
Check its overlap →
See whether it owns the same stocks as your other funds.
Other Retirement Fund funds
- SBI Retirement Benefit Fund - Aggressive Plan₹3,159 crore
- Nippon India Retirement Fund- Wealth Creation Scheme₹3,135 crore
- Tata Retirement Savings Fund-Moderate Plan₹2,218 crore
- Tata Retirement Savings Fund-Progressive Plan₹2,217 crore
- ICICI Prudential Retirement Fund Pure Equity Plan₹2,096 crore
- HDFC Retirement Savings Fund - Hybrid-Equity Plan₹1,630 crore
- SBI Retirement Benefit Fund - Aggressive Hybrid Plan₹1,629 crore
- HDFC Retirement Savings Fund - Hybrid-Debt Plan₹148 crore
Data: NYVO research systems; each block above states its own as-of date, and blocks with no data for this fund are omitted rather than estimated. NAV updates daily on working days. The benchmark (NIFTY 500 Index) is named for reference only; its values are licensed and never shown. This page is factual information about one scheme. It is not investment advice, not a recommendation, and it carries no rating of any kind. Past performance does not predict future returns. Mutual fund investments are subject to market risks; read all scheme related documents carefully.