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Fund Summary
HDFC Retirement Savings Fund Equity Plan Reg (G)
[Solution: Retirement Equity]  
 
Fund Details
Fund Type Growth Launch Date 25-Feb-16
Corpus(Cr.) 6969.0 Latest NAV 51.872 As on 05-12-2025
Equity(%) 92.98 52 Week High 52.215
Debt(%) 6.22 52 Week Low 44.277
Others(%) 0.8 Exit Load 0
Minimum Investment - Availability
Entry Load Nil Expense Ratio(%) 1.76
Scheme Benchmark NIFTY 500 TRI Broader Benchmark Hybrid 35 Debt+65 Equity Aggressive Index
Fund Manager Srinivasan Ramamurthy
 
Riskometer
Investors understand that their principal will be at Very High risk
 
Scheme Objective
The Scheme seeks to provide long-term capital appreciation / income by investing in a mix of equity and debt instruments to help investors meet their retirement goals.

Portfolio Classification
 
Asset Mix
 
Concentration Analysis
Top 5 Holdings 29.45%
Top 10 Holdings 45.34%
Top 25 Holdings 71.29%
 
Sector Analysis
Sector/Ratings Net Asset(%)
Banking & Financial 24.97
Software & Services 8.59
Automobile 8.2
Transportation 6.29
Cash 6.22
Pharma & Biotech 5.58
Petroleum Products 5.5
Construction 4.35
Miscellaneous 4.23
Consumer Durables 3.62
Telecom 3.24
FMCG 2.74
Healthcare 2.4
Ferrous Metals 2.04
Industrial Products 1.94
Energy 1.65
Finance & Investments 1.63
Retail 1.18
Food Beverage & Tobacco 1.03
Metals 0.84
Electricals 0.69
Oil & GAS 0.67
Communication 0.66
Fertilisers 0.55
Media & Entertainment 0.48
Paper 0.36
SERVICES 0.35
 
 
 
 
 
Portfolio Metrics
PB Ratio 3.36
PE Ratio 22.93
 
Top 25 Holdings
Holdings Net Asset(%)
HDFC Bank Limited 8.50
TREPS - Tri-party Repo 6.25
ICICI Bank Limited 6.18
Reliance Industries Limited 4.27
Axis Bank Limited 4.25
Maruti Suzuki India Limited 3.48
Bharti Airtel Limited 3.24
Infosys Limited 3.19
Kotak Mahindra Bank Limited 3.02
Tata Consultancy Services Limited 2.96
State Bank Of India 2.69
HCL Technologies Limited 2.21
Larsen & Toubro Limited 2.17
Cipla Limited 2.15
ITC Limited 1.99
Inter Globe Aviation Ltd 1.78
Bajaj Auto Limited 1.72
POWER GRID CORPORATION OF INDI 1.65
Dr Lal Path Labs Ltd 1.57
Eicher Motors Limited 1.51
ICICI LOMBARD GENERAL INSURANC 1.43
Havells India Limited 1.39
Lupin Limited 1.27
Hindustan Petroleum Corp. Ltd. 1.23
Alkem Laboratories Limited 1.19

Performance Analysis
 
Short Terms Returns
1 Month 3 Month 6 Month 1 Year
1.30% 3.69% 2.52% 2.10%
 
Broader Market Benchmark [Hybrid 35 Debt+65 Equity Aggressive Index]
1.29% 6.23% 6.31% 8.20%
 
Scheme Benchmark [Hybrid 35 Debt+65 Equity Aggressive Index]
1.29% 6.23% 6.31% 8.20%
 
Long term Returns
2 Year 3 Year 5 Year 10 Year
13.56% 17.58% 21.59% 0.00%
 
 
12.75% 12.74% 14.87% 13.14%
 
 
12.75% 12.74% 14.87% 13.14%
 
Cumulative Performance of Last 5 Years
 
Calendar Year Returns

Risk Analysis
 
Absolute Metrics (Single Computation - last 3 years)
Scheme Name Standard Deviation Sharpe Ratio Downside Deviation Downside Probability Sortino Ratio
HDFC Retirement Savings Fund Equity Plan Reg (G) 10.92% 0.8688 9.4830% 41.6779 0.1326
 
Benchmark Relative Metrics (Single Computation - last 3 years)
Scheme Name Alpha Beta Treynor Ratio Tracking Error Information Ratio
HDFC Retirement Savings Fund Equity Plan Reg (G) 7.8433% 0.0000 0.2008 12.2320 0.5557
 
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