HDFC Retirement Fund Equity Plan
Direct · Growth ₹57.75
13 Nov 2026
NAV
18.3%
3Y CAGR
19.8%
5Y CAGR
16.2%
10Y CAGR
17.8%
Weighted CAGR
?
Weighted Mean CAGR
Gives more importance to longer time periods (10Y, 20Y) than shorter ones (1Y, 3Y). This balances out recent outperformance and gives a more realistic picture of what long-term returns might look like.
Gives more importance to longer time periods (10Y, 20Y) than shorter ones (1Y, 3Y). This balances out recent outperformance and gives a more realistic picture of what long-term returns might look like.
9.73
Sharpe
-34.9%
Max Drawdown
?
Max Drawdown
The largest peak-to-trough decline in the fund's NAV. Shows the worst-case loss an investor would have experienced at any point in the fund's history.
The largest peak-to-trough decline in the fund's NAV. Shows the worst-case loss an investor would have experienced at any point in the fund's history.
NA
TER
If you invested ₹1,00,000 every month via SIP, here's how this fund has historically performed across different time horizons.
| Duration | Invested | Median Value | XIRR | Min XIRR | Max XIRR |
|---|---|---|---|---|---|
| 1 Year | ₹12.00 L | ₹12.74 L | 18.7% | -54.6% | 95.8% |
| 3 Years | ₹36.00 L | ₹48.06 L | 17.9% | -20.8% | 40.6% |
| 5 Years | ₹60.00 L | ₹1.00 Cr | 21.1% | 7.6% | 32.2% |
| 7 Years | ₹84.00 L | ₹1.75 Cr | 20.6% | 13.5% | 26.5% |
| 10 Years | ₹1.20 Cr | ₹2.75 Cr | 16.2% | 14.3% | 18.9% |
SIP returns vs benchmark & category
Annualised SIP return (XIRR) over each rolling horizon — like-for-like, not lump-sum.
| Duration | Fund SIP XIRR | NIFTY 50 | Category avg | Fund edge |
|---|---|---|---|---|
| 1 Year | 18.7% | 14.3% | 6.7% | +4.4% |
| 3 Years | 17.9% | 11.0% | 12.8% | +6.9% |
| 5 Years | 21.1% | 10.4% | 13.3% | +10.7% |
| 7 Years | 20.6% | 10.6% | 12.3% | +10.0% |
| 10 Years | 16.2% | 11.4% | 12.3% | +4.8% |
| Duration | Mean | Median | Min | Max | Sharpe | Sortino | % Positive | Cat. Mean | Cat. Median |
|---|---|---|---|---|---|---|---|---|---|
| 1 Year | 18.5% | 12.1% | -30.9% | 96.0% | 0.57 | 1.98 | 83% | — | — |
| 3 Years | 18.3% | 19.4% | -4.6% | 40.8% | 1.37 | 7.30 | 98% | — | — |
| 5 Years | 19.8% | 18.7% | 10.4% | 34.0% | 2.67 | — | 100% | — | — |
| 10 Years | 16.2% | 16.2% | 14.3% | 19.2% | 9.73 | — | 100% | — | — |
-34.9%
Max Drawdown
2 mo
Drawdown Duration
8 mo
Recovery Time
-4.1%
Avg Drawdown
Calmar Ratio by Duration
0.53
1Y
0.53
3Y
0.57
5Y
0.53
7Y
0.46
10Y
Compared against NIFTY 50
| Duration | Alpha | Beta | Upside Capture | Downside Capture | Fund CAGR | Bench CAGR |
|---|---|---|---|---|---|---|
| 1 Year | -0.36 | 0.89 | 87.4% | 86.8% | -2.2% | -2.8% |
| 3 Years | +2.49 | 0.87 | 87.5% | 83.3% | 11.1% | 8.9% |
| 5 Years | +5.48 | 0.84 | 85.6% | 77.8% | 12.2% | 6.8% |
| 7 Years | +7.75 | 0.81 | 84.5% | 75.7% | 18.2% | 11.4% |
| 10 Years | +5.24 | 0.81 | 83.6% | 76.9% | 16.2% | 12.0% |
| 12 Years | +5.35 | 0.81 | 84.4% | 76.4% | 15.7% | 11.3% |
| 15 Years | +3.93 | 0.81 | 84.4% | 76.4% | 12.4% | 8.9% |
70
Total Holdings
41.9%
Top 10 Weight
30
Sectors
| # | Stock | % of NAV |
|---|---|---|
| 1 | ICICI Bank Ltd. | 7.71% |
| 2 | HDFC Bank Ltd.£ | 6.71% |
| 3 | Kotak Mahindra Bank Limited | 4.81% |
| 4 | Reliance Industries Ltd. | 4.51% |
| 5 | Axis Bank Ltd. | 4.35% |
| 6 | Bharti Airtel Ltd. | 2.94% |
| 7 | State Bank of India | 2.87% |
| 8 | Maruti Suzuki India Limited | 2.69% |
| 9 | Infosys Limited | 2.65% |
| 10 | Tata Consultancy Services Ltd. | 2.61% |