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OmniAsset › Mutual funds › HDFC Retirement Fund - Equity Plan

HDFC Retirement Fund - Equity Plan

Retirement fund benchmarked to NIFTY 500 Index (Total Returns Index). Every figure below is read from one dated snapshot; what the snapshot cannot prove is left out, never estimated.

Latest NAV2 Sep 202655.74
CategoryRetirement
PlanDirect · Growth
Launched5 Feb 2016
Risk labelthe scheme's own riskometerVery High Risk
Legal benchmarkSEBI Tier-1NIFTY 500 Index (Total Returns Index)
Expense ratiodirect plan, a year · stated maximum, from the scheme document0.92%
AUM₹1,377 Cr
Growth of ₹10,000₹18,3772 Sep 2021 to 2 Sep 2026
₹19,552₹17,006₹14,460₹11,914₹9,369Sep 2021Nov 2022Mar 2024Jun 2025Sep 2026
₹18,377 (+12.9% a year) HDFC Retirement Fund - Equity Plan

Performance (trailing, annualised)

1Y annualised-1.60%
3Y annualised10.06%
5Y annualised12.94%
10Y annualised15.42%

Point-to-point from the fund's own published NAV; a period the history does not span is left out.

SIP returns

SIP 1Y (₹10,000 a month)invested ₹1,20,000 → worth ₹1,18,421-2.42%
SIP 3Y (₹10,000 a month)invested ₹3,60,000 → worth ₹3,79,6153.47%
SIP 5Y (₹10,000 a month)invested ₹6,00,000 → worth ₹7,81,98510.53%

₹10,000 on the first of every month, valued at the latest NAV, as an annualised rate (XIRR).

Calendar years

Calendar 202144.27%
Calendar 20229.95%
Calendar 202334.15%
Calendar 202419.33%
Calendar 20256.24%

Rolling returns

Rolling 1Y · average492 windows since 27 Feb 201718.95%
Rolling 1Y · median12.62%
Rolling 1Y · worst window-28.46%
Rolling 1Y · best window91.19%
Rolling 1Y · windows positive85%
Rolling 3Y · average388 windows since 5 Mar 201918.57%
Rolling 3Y · median19.63%
Rolling 3Y · worst window-4.04%
Rolling 3Y · best window39.06%
Rolling 3Y · windows positive97%
Rolling 5Y · average285 windows since 3 Mar 202120.11%
Rolling 5Y · median18.81%
Rolling 5Y · worst window12.87%
Rolling 5Y · best window34.01%
Rolling 5Y · windows positive100%

Every window of that length in the published history, so one lucky start date cannot flatter the fund.

Risk

Volatility (3Y)12.30%
Downside deviation (3Y)8.94%
Maximum drawdown-16.12%

Management

Fund managerAnupam Joshi, Mr. Arun Agarwal, Ms. Nandita Menezes, Mr.Srinivasan Ramamurthy, Mr. Dhruv Muchhal
Managing since3 Sep 2026

What it holds

SecurityWeight
HDFC Bank Ltd7.5%
ICICI Bank Ltd7.4%
Axis Bank Ltd4.7%
Reliance Industries Ltd4.7%
Kotak Mahindra Bank Ltd4.0%
Maruti Suzuki India Ltd3.3%
State Bank of India3.0%
Bharti Airtel Ltd2.7%
Larsen & Toubro Ltd2.4%
Infosys Ltd2.3%
SectorWeight
Financial33.1%
Industrials12.6%
Consumer Discretionary11.1%
Technology11.1%
Energy & Utilities9.9%

Portfolio disclosed: 95.3% by weight.

Related

Source: the OmniAsset signed reference snapshot, as of 4 Sep 2026. Figures are deterministic; missing data is withheld, never estimated. See methodology and data sources. Not investment advice.

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