The HDFC Retirement Savings Fund – Equity Plan launched on February 25, 2016, is managed by HDFC Mutual Fund. Designed to help investors achieve their retirement goals, the fund primarily invests in a mix of equity and debt instruments, aiming for long-term capital appreciation and income.
Fund Overview
- NAV (as on 03rd July, 2024): ₹49.311
- Expense Ratio: 1.81% (compared to the category average of 2.11%)
- Risk Level: Very High
- Fund Size: ₹5159.41 Cr
- Launch Date: 25-Feb-2016
Investment Allocation
- Domestic Equities: 92.93%
- Large Cap Stocks: 49.56%
- Mid Cap Stocks: 9.4%
- Small Cap Stocks: 16.88%
- Cash Holdings: 6.19%
- Debt Holdings: 0.88%
- Number of Stocks: 70
HDFC Retirement Savings Fund – Performance Overview
Annualized Returns
| Period |
Invested Amount |
Latest Value |
Absolute Returns |
Annualized Returns |
Category Avg |
Rank |
| 1 Week |
₹10,000 |
₹10,126.50 |
1.26% |
– |
1.01% |
12/34 |
| 1 Month |
₹10,000 |
₹10,511.60 |
5.12% |
– |
3.28% |
8/34 |
| 3 Months |
₹10,000 |
₹11,086.60 |
10.87% |
– |
7.52% |
9/32 |
| 6 Months |
₹10,000 |
₹11,820.40 |
18.20% |
– |
12.63% |
8/32 |
| YTD |
₹10,000 |
₹11,796.90 |
17.97% |
– |
12.28% |
6/32 |
| 1 Year |
₹10,000 |
₹13,820.70 |
38.21% |
38.09% |
24.98% |
6/31 |
| 2 Years |
₹10,000 |
₹18,221.50 |
82.21% |
34.82% |
20.01% |
3/30 |
| 3 Years |
₹10,000 |
₹18,745.90 |
87.46% |
23.25% |
13.07% |
2/30 |
| 5 Years |
₹10,000 |
₹28,548.00 |
185.48% |
23.31% |
12.35% |
1/23 |
| Since Inception |
₹10,000 |
₹49,330.70 |
393.31% |
21.05% |
13.34% |
5/32 |
SIP Returns
| Period |
SIP Started On |
Investments |
Latest Value |
Absolute Returns |
Annualized Returns |
| 1 Year |
03-Jul-23 |
₹12,000 |
₹14,595.77 |
21.63% |
42.3% |
| 2 Years |
01-Jul-22 |
₹24,000 |
₹33,699.67 |
40.42% |
36.43% |
| 3 Years |
02-Jul-21 |
₹36,000 |
₹54,546.42 |
51.52% |
28.92% |
| 5 Years |
03-Jul-19 |
₹60,000 |
₹1,22,570.46 |
104.28% |
29.02% |
HDFC Retirement Savings Fund – Portfolio Analysis
| Stock |
Sector |
Value (Cr) |
% of Total Holdings |
| HDFC Bank Ltd. |
Private sector bank |
382.89 |
7.42% |
| ICICI Bank Ltd. |
Private sector bank |
336.32 |
6.52% |
| Treps – Tri-Party Repo |
Cash |
313.48 |
6.08% |
| Axis Bank Ltd. |
Private sector bank |
185.95 |
3.60% |
| State Bank Of India |
Public sector bank |
166.07 |
3.22% |
Sector Allocation:
- Regional Banks
- Biotechnology & Drugs
- Software & Programming
- Construction Services
Risk Ratios
| Ratio |
HDFC Fund |
Category Average |
| Standard Deviation |
12.53 (High volatility) |
8.07 |
| Beta |
0.84 (Low volatility) |
0.93 |
| Sharpe Ratio |
1.18 (Better risk-adjusted returns) |
0.44 |
| Treynor’s Ratio |
0.18 (Better risk-adjusted returns) |
0.07 |
| Jension’s Alpha |
4.34 (Better risk-adjusted returns) |
0.72 |
HDFC Retirement Savings Fund – Peer Comparison
| Fund Name |
1Y Returns |
| HDFC Retirement Savings Fund – Equity Plan – Regular Plan |
37.61% |
| Nippon India Retirement Fund – Wealth Creation Scheme – Regular Growth |
45.3% |
| Tata Retirement Savings Moderate Fund Growth |
33.72% |
| UTI Retirement Fund – Regular Plan |
20.93% |
| SBI Retirement Benefit Fund – Aggressive Plan Regular Growth |
32.72% |
Disclaimer: The information provided in this article is for educational and informational purposes only. It should not be considered investment advice or a recommendation to invest in any particular mutual fund or asset class. Past performance does not indicate future results, and investors should research and consult with a financial advisor before making investment decisions. Investing in mutual funds involves risks, including the possible loss of principal invested.
