HDFC Retirement Savings Fund Equity Plan Regular-Growth
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Equity, Flexi Cap, Principal at very high risk
1 Year Return 7.44% at 05 Feb 2026 10:47 AM
Fund Details
NAV 51.244
Sub-Type Flexi Cap
Rating 4
Min. SIP Amount ₹100.0
Fund Age(Year) 9.95
Fund Size(in Crores) 7085.71
Fund Performance
1 Month -1.72%
3 Month -0.49%
6 Month 2.5%
1 Year 7.44%
3 Year 17.59%
5 Year 18.51%
Know This Fund
As on 05 Feb 2026
Investment strategy that balances risk & reward by dividing the investment portfolio among different types of asset classes.
Equity (99.63%) Market Cap Mid Cap 32.75 Large Cap 25.27 Small Cap 41.61 Top Sectors Consumer Staples 20.47 Capital Goods 16.38 Automobile 16.05 Services 11.08 Healthcare 10.73 Technology 5.2 Chemicals 5.04 Metals & Mining 4.7 Financial 4.02 Consumer Discretionary 3.05 Materials 2.13 Energy 0.48 Others 0.28 Textiles 0.01 Top Holding Colgate-Palmolive (India) 0.7 Sparkle Gold Rock 0.01 Procter & Gamble Health 1.11 Heidelberg Cement India 0.55 Coforge 1.18 Bosch 1.98 Maruti Suzuki India 8.2 Siemens 1.06 SBFC Finance 0.69 CRISIL 2.24 Swiggy 2.28 Schaeffler India 3.69 Fortis Healthcare 1.06 Grindwell Norton 0.98 Esab India 0.52 Hindustan Unilever 3.67 Thomas Cook (India) 1.16 SKF India (Industrial) 0.67 Sanofi India 0.53 Honeywell Automation India 2.13 Abbott India 0.83 RHI Magnesita 0.51 Aptus Value Housing Finance India 1.01 Gland Pharma 2.22 360 One Wam 0.85 Cummins India 3.53 LG Electronics India 0.93 Carraro 0.53 United Spirits 2.86 Gillette India 1.71 AWL Agri Business 0.63 RBL Bank 0.41 Hexaware Technologies 1.6 Sanofi Consumer Healthcare India 0.63 Orkla India 0.51 Cohance Lifesciences 0.41 3M India 1.9 Mphasis 1.72 Kwality Walls India 0.06 Timken India 0.92 Escorts Kubota 1.21 Sumitomo Chemical India 1.22 ZF Commercial 2.01 Asahi India Glass 1.58 Others 0.28 Blue Dart Express 0.65 ABB India 1.32 Vedanta 1.99 Sapphire Foods 0.85 Siemens Energy India 0.48 Nestle India 2.38 Pfizer 2.14 SKF India 0.48 DOMS Industries 0.56 Procter & Gamble Hygiene and Health Care 2.52 ICRA 2.74 Whirlpool Of India 1.28 Travel Food Services 0.85 Motherson Wiring 1.2 Hyundai Motor 1.45 Linde India 0.88 Westlife Foodworld 0.3 Eureka Forbes 1.08 United Breweries 2.97 Bata India 0.84 Manappuram Finance 0.59 GE Vernova T&D 0.79 Glaxosmithkline Pharma 1.8 Cognizant Technology Solutions Corp. 0.71 KSB 0.23 Home First Finance Company India 0.22 Nippon Life India Asset Management 0.25 CIE Automotive India 0.65 Bayer CropScience 2.94
Debt & Others (0.37%) Sector Allocation Reverse Repo 0.68 Cash 0 Net Payables -0.31 Debt Credit Ratings Debt Category Others 0.37
Comparison with same funds
Equity, Flexi Cap funds Aditya Birla Sun Life MNC Fund Regular-Growth Ret 1M -3.43% Ret 1Y 3.23% Ret 3Y 12.79% Ret 5Y 8.07%
Equity, Flexi Cap funds Aditya Birla Sun Life MNC Fund Regular-IDCW Ret 1M -3.43% Ret 1Y 3.23% Ret 3Y 12.79% Ret 5Y 8.07%
Equity, Flexi Cap funds Aditya Birla Sun Life MNC Fund Regular-IDCW Reinvestment Ret 1M -3.43% Ret 1Y 3.23% Ret 3Y 12.79% Ret 5Y 8.07%
Equity, Flexi Cap funds HDFC MNC Fund Regular - Growth Ret 1M -1.92% Ret 1Y 4.97% Ret 3Y 0% Ret 5Y 0%
Equity, Flexi Cap funds HDFC MNC Fund Regular - IDCW Ret 1M -1.92% Ret 1Y 4.97% Ret 3Y 0% Ret 5Y 0%
Equity, Flexi Cap funds HDFC MNC Fund Regular - IDCW Reinvestment Ret 1M -1.92% Ret 1Y 4.97% Ret 3Y 0% Ret 5Y 0%
Equity, Flexi Cap funds ICICI Prudential MNC Fund - Growth Ret 1M -1.11% Ret 1Y 8.31% Ret 3Y 15.61% Ret 5Y 15.44%
Equity, Flexi Cap funds ICICI Prudential MNC Fund-IDCW Ret 1M -1.11% Ret 1Y 8.31% Ret 3Y 15.61% Ret 5Y 15.44%
Equity, Flexi Cap funds ICICI Prudential MNC Fund-IDCW Payout Ret 1M -1.11% Ret 1Y 8.31% Ret 3Y 15.61% Ret 5Y 15.44%
Equity, Flexi Cap funds Kotak MNC Fund Regular-Growth Ret 1M -0.32% Ret 1Y 12.37% Ret 3Y 0% Ret 5Y 0%
Equity, Flexi Cap funds Kotak MNC Fund Regular-IDCW Ret 1M -0.32% Ret 1Y 12.37% Ret 3Y 0% Ret 5Y 0%
Charges & Taxes Expense Ratio
Returns are taxed as per your Income Tax Slab.
Expense Ratio (Inclusive of GST): 1.76%
Exit Load 0%
Stamp Duty 0.005%
Fund Management
The various expenses, charges and taxes associated with your Mutual Fund
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.
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.
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) 38
Date of Incorporation 2016-02-25
Total AUM 2025-12-31
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.
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