GMP IPO Watch
HDFC Retirement Fund - Equity Plan
Direct Plan · Growth Option · HDFC Mutual Fund
Returns
Annualised (CAGR) returns for periods over a year.
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Rank in Category
| Period | This Fund | Category Avg. | Rank |
|---|---|---|---|
| 1W | -0.03% | -0.50% | 3 of 29 |
| 1M | -2.98% | -3.78% | 14 of 29 |
| 3M | -5.06% | -4.26% | 24 of 29 |
| 6M | -3.37% | -0.18% | 25 of 29 |
| YTD | -10.13% | -3.59% | 28 of 29 |
| 1Y | -8.30% | -2.62% | 27 of 29 |
| 2Y | -3.97% | -0.46% | 26 of 29 |
| 3Y | +8.03% | +6.71% | 12 of 26 |
| 5Y | +10.52% | +6.50% | 4 of 25 |
| 7Y | +17.27% | +9.19% | 3 of 18 |
| 10Y | +14.53% | +8.28% | 1 of 10 |
| INCEPTION | +17.01% | — | — |
Ranked among: Solution Oriented Schemes ** - Retirement Fund.
Rolling Returns
| Period | Average | Best | Worst | Positive Periods | Consistency |
|---|---|---|---|---|---|
| 3M | +4.43% | +33.88% | -32.41% | 71% | 28% |
| 6M | +8.72% | +44.95% | -31.45% | 75% | 31% |
| 1Y | +18.71% | +95.98% | -30.94% | 84% | 37% |
| 2Y | +17.92% | +58.18% | -14.62% | 93% | 42% |
| 3Y | +18.41% | +40.75% | -4.59% | 98% | 45% |
| 5Y | +19.96% | +34.00% | +10.49% | 100% | 47% |
| 7Y | +18.46% | +20.68% | +15.89% | 100% | 47% |
| 10Y | +16.38% | +19.24% | +14.45% | 100% | 46% |
Rolling returns show the average, best and worst outcome an investor would have seen entering at any point in the window.
NAV History
AUM Trend (₹ Cr, quarterly average)
Expense Ratio Trend
Portfolio · Sep 2026
Asset Allocation
- Equity93.91%
- Debt0.00%
- Cash5.16%
- Other0.93%
Market Cap Split
- Large Cap62.59%
- Mid Cap10.47%
- Small Cap20.85%
- Others6.09%
Fundamentals
| Fund | Category | |
|---|---|---|
| P/E | 20.02 | 24.46 |
| P/B | 2.70 | 3.60 |
| Price / Sales | 2.09 | 3.15 |
| Price / Cash Flow | 12.01 | 19.00 |
| Dividend Yield (%) | 1.64 | 1.39 |
Holdings · Sep 2026
| Holding | Sector | Weight | Change (1M) |
|---|---|---|---|
| ICICI Bank | Banks | 7.36% | -0.33% |
| HDFC Bank | Banks | 6.93% | +0.34% |
| TREPS - Tri-party Repo | Reverse Repo / TREPS | 5.19% | — |
| Reliance Industries | Petroleum Products | 4.64% | -0.10% |
| Axis Bank | Banks | 4.43% | -0.03% |
| Kotak Bank | Banks | 4.39% | +0.19% |
| State Bank of India | Banks | 2.89% | -0.14% |
| Maruti Suzuki | Automobiles | 2.85% | -0.22% |
| Bharti Airtel | Telecom - Services | 2.64% | +0.05% |
| Larsen & Toubro | Construction | 2.26% | -0.05% |
| Infosys | IT - Software | 2.24% | -0.19% |
| Tata Consultancy Services | IT - Software | 2.16% | -0.24% |
| Dr. Lal Path Labs | Equity | 2.09% | +0.15% |
| Interglobe Aviation | Transport Services | 1.88% | +0.01% |
| HCL Technologies | IT - Software | 1.85% | -0.03% |
View all 75 holdings
| Power Grid Corporation of India | Power | 1.76% | +0.07% |
| ICICI Lombard General Insurance | Insurance | 1.68% | +0.11% |
| Eicher Motors | Automobiles | 1.61% | -0.09% |
| Eternal | Retailing | 1.44% | +0.03% |
| ITC | Diversified FMCG | 1.30% | +0.10% |
| Alkem Laboratories | Pharmaceuticals & Biotechnology | 1.24% | +0.02% |
| Max Financial Services | Insurance | 1.24% | -0.11% |
| United Spirits | Beverages | 1.22% | +0.16% |
| NTPC | Power | 1.21% | +0.04% |
| Jindal Steel | Ferrous Metals | 1.20% | +0.01% |
| HDFC Life Insurance | Insurance | 1.18% | +0.02% |
| Divis Laboratories | Pharmaceuticals & Biotechnology | 1.12% | +0.04% |
| Havells | Consumer Durables | 1.07% | -0.17% |
| Credit Access Grameen | Finance | 1.05% | -0.02% |
| Chalet Hotels | Leisure Services | 1.02% | +0.24% |
| Delhivery | Transport Services | 0.99% | -0.05% |
| Bajaj Auto | Automobiles | 0.98% | -0.06% |
| Tata Steel | Ferrous Metals | 0.97% | +0.05% |
| HDFC Nifty 50 ETF | Others | 0.93% | -0.01% |
| Apollo Hospitals | Equity | 0.92% | -0.03% |
| Hyundai Motor India | Automobiles | 0.92% | -0.03% |
| PVR Inox | Entertainment | 0.92% | +0.06% |
| Redington | Commercial Services & Supplies | 0.92% | +0.15% |
| Hindustan Petroleum | Petroleum Products | 0.90% | +0.01% |
| Transport Corporation of India | Transport Services | 0.89% | +0.05% |
| CRISIL | Finance | 0.87% | -0.03% |
| Kalpataru Projects International | Construction | 0.83% | +0.03% |
| Balkrishna Industries | Auto Components | 0.80% | -0.01% |
| Voltamp Transformers | Electrical Equipment | 0.79% | +0.01% |
| Cipla | Pharmaceuticals & Biotechnology | 0.76% | +0.00% |
| Gland Pharma | Pharmaceuticals & Biotechnology | 0.76% | +0.04% |
| JSW Dulux | Consumer Durables | 0.72% | +0.04% |
| Blue Dart Express | Transport Services | 0.70% | +0.00% |
| Godrej Consumer Products | Personal Products | 0.70% | -0.01% |
| Lupin | Pharmaceuticals & Biotechnology | 0.69% | -0.01% |
| Prestige Estates Projects | Realty | 0.67% | -0.03% |
| GNA Axles | Auto Components | 0.61% | +0.09% |
| Star Health Insurance | Insurance | 0.60% | -0.01% |
| Embassy Office Parks REIT | Realty | 0.60% | +0.03% |
| Timken | Industrial Products | 0.57% | +0.02% |
| Gateway Distriparks | Transport Services | 0.55% | +0.01% |
| Chambal Fertilisers & Chemicals | Fertilizers & Agrochemicals | 0.52% | +0.02% |
| Zensar Technologies | IT - Software | 0.51% | -0.02% |
| VRL Logistics | Transport Services | 0.48% | -0.01% |
| SKF India Industrial | Industrial Products | 0.47% | -0.01% |
| Greenply Industries | Consumer Durables | 0.45% | +0.04% |
| Equitas Small Finance Bank | Banks | 0.41% | -0.01% |
| Gujarat Energy | Gas | 0.41% | +0.00% |
| Finolex Industries | Industrial Products | 0.40% | -0.01% |
| The Anup Engineering | Industrial Manufacturing | 0.38% | -0.03% |
| PB FinTech | Financial Technology (Fintech) | 0.36% | -0.24% |
| Tamil Nadu Newsprint & Papers | Paper, Forest & Jute Products | 0.36% | +0.04% |
| Elevate Campuses | Commercial Services & Supplies | 0.34% | — |
| Great Eastern Shipping Company | Transport Services | 0.32% | +0.06% |
| Bajaj Electricals | Consumer Durables | 0.29% | -0.01% |
| Symphony | Consumer Durables | 0.24% | +0.01% |
| PNC Infratech | Construction | 0.16% | -0.05% |
| Moneyview | Finance | 0.15% | — |
| GSPL Transmission | Gas | 0.08% | +0.00% |
| Net Current Assets | Net Current Assets | -0.03% | — |
Sector Allocation · Sep 2026
View all 30 sectors
Risk Metrics
Standard Deviation
| Period | Fund | Category | |
|---|---|---|---|
| 1Y | 12.34 | — | High Volatility |
| 3Y | 13.70 | — | High Volatility |
| 5Y | 12.62 | — | High Volatility |
What is this?
Risk as measured by standard deviation is a statistical measure that quantifies the amount of variation or dispersion in a set of data points relative to its mean (average).
Sharpe Ratio
| Period | Fund | Category | |
|---|---|---|---|
| 1Y | -0.65 | — | Poor Risk Adjusted Returns |
| 3Y | 0.21 | — | Good Risk Adjusted Returns |
| 5Y | 0.46 | — | Good Risk Adjusted Returns |
What is this?
Higher the value means that fund has been able to give better returns for the amount of risk taken. It helps investors understand the return of an investment compared to its risk, showing whether the returns are due to intelligent investing or simply taking on excess risk. It is calculated by subtracting the risk-free return, defined as an Indian Government Bond, from the fund's returns, and then dividing by the standard deviation of returns.
Sortino Ratio
| Period | Fund | Category | |
|---|---|---|---|
| 1Y | -0.77 | — | Poor Risk Adjusted Returns |
| 3Y | 0.28 | — | Good Risk Adjusted Returns |
| 5Y | 0.67 | — | Good Risk Adjusted Returns |
What is this?
The Sortino Ratio is a financial metric used to measure the risk-adjusted return of an investment. It's a modification of the Sharpe Ratio but with a key difference; it only considers downside risk (the risk of negative returns), rather than total volatility. This means it focuses on how well an investment performs relative to the volatility that leads to losses, ignoring the volatility that results in gains. The idea is that investors are primarily concerned with minimizing losses, and positive volatility is generally seen as a good thing.
Compare With Peers
| Scheme | 1Y | 3Y | 5Y | Since Inception |
|---|---|---|---|---|
|
ICICI Prudential Retirement Fund Hybrid Conservative Plan
Direct Plan · Growth
|
+2.95% | +9.12% | +8.31% | +9.36% |
|
ICICI Prudential Retirement Fund Pure Debt Plan
Regular Plan · IDCW
|
+2.26% | +5.40% | +4.81% | +5.98% |
|
ICICI Prudential Retirement Fund Hybrid Aggressive Plan
Direct Plan · IDCW
|
+1.89% | +16.10% | +13.97% | +15.49% |
|
Aditya Birla Sun Life Retirement Fund-The 50s Plus-Debt Plan
Regular Plan · GROWTH
|
+1.74% | +4.58% | +3.73% | +4.06% |
|
Aditya Birla Sun Life Retirement Fund-The 30s Plan
Regular Plan · IDCW
|
+0.95% | +3.55% | +3.89% | +6.88% |
|
Tata Retirement Savings Fund-Conservative Plan
Regular Plan · Growth Option
|
+0.83% | +5.91% | +4.92% | +8.11% |
|
Tata Retirement Savings Fund-Moderate Plan
Regular Plan · Growth Option
|
+0.35% | +9.29% | +7.60% | +13.32% |
|
SBI Retirement Benefit Fund - Conservative Plan
Regular Plan · IDCW
|
+0.33% | +5.78% | +6.12% | +6.68% |
|
Tata Retirement Savings Fund-Progressive Plan
Regular Plan · Growth Option
|
+0.20% | +9.72% | +7.52% | +13.38% |
|
ICICI Prudential Retirement Fund Pure Equity Plan
Regular Plan · Growth
|
+0.09% | +16.30% | +15.95% | +17.03% |
More From HDFC Asset Management Company Limited
| Scheme | 1Y | 3Y | 5Y | Since Inception |
|---|---|---|---|---|
|
HDFC Silver ETF
Growth Option
|
+33.91% | +45.26% | — | +40.36% |
|
HDFC Silver ETF Fund of Fund
Direct Plan · Growth Option
|
+32.05% | +43.67% | — | +38.34% |
|
HDFC Developed World Overseas Equity Passive FOF
Direct plan · Growth
|
+24.66% | +28.03% | +16.95% | +17.34% |
|
HDFC Pharma and Healthcare Fund
Direct Plan · Growth Option
|
+21.72% | +29.03% | — | +29.03% |
|
HDFC Gold ETF
Growth Option
|
+21.01% | +35.21% | +24.50% | +12.51% |
|
HDFC Gold ETF Fund of Fund
Direct Plan · Growth Option
|
+20.26% | +34.79% | +24.36% | +10.86% |
|
HDFC Defence Fund
Direct Plan · Growth Option
|
+19.11% | +35.28% | — | +38.95% |
|
HDFC INNOVATION FUND
Direct Plan · IDCW Option
|
+11.84% | — | — | +12.60% |
|
HDFC CRISIL-IBX Financial Services 3-6 Months Debt Index Fund
Direct Plan · Growth Option
|
+7.11% | — | — | +7.11% |
|
HDFC Arbitrage Fund
Direct Plan · Growth Option
|
+6.77% | +7.31% | +6.74% | +6.44% |
About This Scheme
Investment Objective
The investment objective of the Investment Plans under the Scheme is to provide long-term capital appreciation / income by investing in a mix of equity and debt instruments to help investors meet their retirement goals.There is no assurance that the investment objective of the Scheme will be achieved.
Stated Asset Allocation
Equity and Equity related Instruments: 80% - 100%; Debt Securities (including securitised debt) and money market instruments: 0%- 20%; Units issued by InvITs: 0% -10%; Non-convertible preference shares: 0% - 10%. For detailed asset allocation, refer Scheme Information Document (SID) available on the website.
Exit Load
Fresh investments by investors including SIP / STP registrations, etc effective June 2, 2018: Exit Load (Upon completion of lock-in period): Nil Existing investments by investors including SIP / STP registrations, etc until June 1, 2018: Exit Load (Upon completion of lock-in period of 5 years) In respect of each purchase/switch-in of units offered under the respective Investment Plan(s) • An Exit Load of 1% is payable if Units are redeemed/ switched-out before completion of 60 years of age • No Exit Load is payable if Units are redeemed / switched-out on or after attainment of 60 years of age.
Fund Managers
FM 1 - Anupam Joshi , FM 2 - Mr. Arun Agarwal , FM 3 - Ms. Nandita Menezes, FM 4 - Mr.Chirag Setalvad, FM 5 - Mr. Gopal Agrawal
FM 1 - Debt, FM 2 - Arbitrage , FM 3 - Arbitrage ,FM 4 - Equities, FM 5 - Fund Manager for Overseas Investments
Mutual fund investments are subject to market risks. Read all scheme related documents carefully. Past performance is not indicative of future returns. Data is sourced from AMFI and fund houses via FinAPI and may lag official figures.