HDFC Retirement Savings Fund - Hybrid Equity Plan Regular-Growth

Fund Details

NAV 38.836

Sub-Type Aggressive Hybrid

Rating 4

Min. SIP Amount ₹100.0

Fund Age(Year) 9.98

Fund Size(in Crores) 1702.59

Fund Performance

1 Month -0.64%

3 Month -1.58%

6 Month 1.84%

1 Year 8.17%

3 Year 13.71%

5 Year 12.4%

Know This Fund

As on 16 Feb 2026

Investment strategy that balances risk & reward by dividing the investment portfolio among different types of asset classes.

Equity (75.94%) Market Cap Mid Cap 6.93 Large Cap 48.15 Small Cap 20.86 Top Sectors Financial 25.19 Technology 9.61 Automobile 7.66 Energy 6.69 Capital Goods 4.84 Healthcare 4.62 Services 3.18 Consumer Staples 2.85 Insurance 2.81 Communication 2.31 Metals & Mining 1.79 Construction 1.73 Materials 1.49 Consumer Discretionary 0.78 Chemicals 0.39 Top Holding Goodyear India 0.37 Kotak Mahindra Bank 2.64 CreditAccess Grameen 0.78 National Aluminium Company 0.51 Dr. Lal Pathlabs 1.08 Alembic Pharmaceuticals 0.58 Mahindra Holidays & Resorts India 0.17 Voltamp Transformers 0.48 Max Financial Services 1.09 The Anup Engineering 0.42 Bharti Airtel 2.31 Bajaj Auto 1.41 Cipla 0.97 Balkrishna Industries 0.54 Sonata Software 0.42 Transport Corp 0.69 Escorts Kubota 0.5 Havells India 0.87 Gland Pharma 0.62 Huhtamaki India 0.4 Tamil Nadu Newsprint & Papers 0.27 Larsen & Toubro 1.73 Maruti Suzuki India 2.57 Blue Dart Express 0.65 Lumax Industries 0.86 HCL Technologies 1.99 Procter & Gamble Health 0.37 Cyient 0.23 Mahindra & Mahindra 0.2 PVR Inox 0.46 NTPC 0.73 KEC International 0.16 Finolex Industries 0.31 Hindustan Petroleum Corporation 0.63 Crompton Greaves Con. Electricals 0.46 GNA Axles 0.34 Popular Vehicles And Services 0.15 Bajaj Electricals 0.32 Axis Bank 3.22 City Union Bank 1.24 Alkem Laboratories 1 United Spirits 0.72 Gujarat State Petronet 0.54 ITC 1.32 CIE Automotive India 0.49 HDFC Bank 6.55 UTI Asset Mgmt 0.46 Godrej Consumer 0.54 Vesuvius India 0.87 Kalpataru Projects Intl. 0.6 Infosys 2.89 Tenneco Clean Air India 0.08 State Bank of India 3.16 Timken India 0.26 Delhivery 0.5 Tata Consultancy 2.75 Suprajit Engineering 0.79 ICICI Bank 5.57 ICICI Lombard Gen. Insurance 1.07 Nilkamal 0.12 Equitas Small Finance Bank 0.48 Tata Steel 0.79 Rolex Rings 0.14 The Ramco Cements 0.66 Redington 0.56 Bayer CropScience 0.39 HDFC Life Insurance 0.86 SBI Life Insurance Company 0.88 Power Grid Corporation Of India 1.51 Reliance Industries 3.28 Amagi Media Labs 0.48 SKF India (Industrial) 0.35 SKF India 0.69 Wipro 0.28 Zensar Technologies 0.57

Debt & Others (24.06%) Sector Allocation Real Estate Investment Trusts 0.89 Non Convertible Debenture 2.36 Net Current Assets 0.6 Debt Credit Ratings SOV 9.41 Cash & Call Money 6.93 AAA 6.83 Debt Category Mahindra Rural Housing Finance 0.91 Bajaj Finance 4.17 GOI 9.41 Others 6.93

Comparison with same funds

Equity, Flexi Cap funds Aditya Birla Sun Life Aggressive Hybrid Omni FoF Regular-Growth Ret 1M -0.12% Ret 1Y 11.1% Ret 3Y 14.13% Ret 5Y 11.31%

Equity, Flexi Cap funds Aditya Birla Sun Life Aggressive Hybrid Omni FoF Regular-IDCW Quarterly Ret 1M -0.12% Ret 1Y 11.1% Ret 3Y 14.13% Ret 5Y 11.31%

Equity, Flexi Cap funds Aditya Birla Sun Life Aggressive Hybrid Omni FoF Regular-IDCW Quarterly Payout Ret 1M -0.12% Ret 1Y 11.1% Ret 3Y 14.13% Ret 5Y 11.31%

Equity, Flexi Cap funds Aditya Birla Sun Life Equity Hybrid '95 Fund Regular-Growth Ret 1M -0.17% Ret 1Y 10.9% Ret 3Y 14.57% Ret 5Y 11.16%

Equity, Flexi Cap funds Aditya Birla Sun Life Equity Hybrid '95 Fund Regular-IDCW Ret 1M -0.17% Ret 1Y 10.9% Ret 3Y 14.57% Ret 5Y 11.16%

Equity, Flexi Cap funds Aditya Birla Sun Life Equity Hybrid '95 Fund Regular-IDCW Reinvestment Ret 1M -0.17% Ret 1Y 10.9% Ret 3Y 14.57% Ret 5Y 11.16%

Equity, Flexi Cap funds Aditya Birla Sun Life Retirement Fund - The 40s Plan Regular-Growth Ret 1M -0.19% Ret 1Y 11.15% Ret 3Y 14.07% Ret 5Y 9.16%

Equity, Flexi Cap funds Aditya Birla Sun Life Retirement Fund - The 40s Plan Regular-IDCW Ret 1M -0.19% Ret 1Y 11.15% Ret 3Y 14.07% Ret 5Y 9.16%

Equity, Flexi Cap funds Aditya Birla Sun Life Retirement Fund - The 40s Plan Regular-IDCW Reinvestment Ret 1M -0.19% Ret 1Y 11.15% Ret 3Y 14.07% Ret 5Y 9.16%

Equity, Flexi Cap funds Axis Aggressive Hybrid Fund Regular-Growth Ret 1M -0.14% Ret 1Y 8.71% Ret 3Y 11.82% Ret 5Y 9.04%

Equity, Flexi Cap funds Axis Aggressive Hybrid Fund Regular-IDCW Monthly Payout Ret 1M -0.14% Ret 1Y 8.71% Ret 3Y 11.82% Ret 5Y 9.04%

Charges & Taxes Expense Ratio

Returns are taxed as per your Income Tax Slab.

Expense Ratio (Inclusive of GST): 2.07%

Exit Load 0%

Stamp Duty 0.005%

Fund Management

The various expenses, charges and taxes associated with your Mutual Fund

Shobhit Mehrotra

Education He is an MBA from Clemson University, USA.

Experience Prior to joining HDFC AMC he has worked with Franklin Templeton AMC, and ICRA.

Nandita Menezes

Education CA (ICAI, INDIA), B.Com (University of Mumbai)

Experience Prior to joining HDFC AMC, she was associated with S.V. Ghatalia & Associates LLP.

Arun Agarwal

Education Mr. Agarwal is a B.Com. and Chartered Accountant

Experience Prior to joining HDFC Asset Management Company Limited, he has worked with SBI Funds Management Pvt. Ltd., ICICI Bank Limited, UTI Asset Management Pvt. Ltd.

Dhruv Muchhal

Education Mr. Dhruv has done B.Com, CA and CFA

Experience Prior to joining HDFC MF,he has worked with Motilal Oswal Financial Services Ltd., Goldman Sachs, CRISIL Global Research & Analytics and Deloitte Haskins & Sells

Srinivasan Ramamurthy

Education Mr. Ramamurthy is an engineer by qualification from Jadavpur University and has done his MBA from IIM - Calcutta.

Experience Prior to joining HDFC Asset Management Company Limited, he has worked with Mahindra Mutual Fund, IDBI Federal Life Insurance, IIFL Capital Limited, Maybank Kim Eng, Credit Suisse and KPMG Advisory.

Riskometer

Mutual Fund Investments are subject to market risk. Read all scheme related documents carefully.

Principal at very high risk

AMC and Fund details

Rank (total sets) 34

Date of Incorporation 2016-02-25

Total AUM 2026-01-31

The Scheme Seeks to generate returns from a portfolio of pure debt oriented funds accessed through the diverse investment styles of underlying schemes selected in accordance with the BSLAMC process.