HDFC Retirement Savings Fund Equity Plan
Direct · Growth ₹56.24
06 Jul 2026
NAV
18.6%
3Y CAGR
20.2%
5Y CAGR
16.8%
10Y CAGR
18.2%
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.
15.24
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 | ₹12.79 L | 19.4% | -54.6% | 95.8% |
| 3 Years | ₹36.00 L | ₹48.49 L | 18.5% | -20.8% | 40.6% |
| 5 Years | ₹60.00 L | ₹1.01 Cr | 21.6% | 9.7% | 32.2% |
| 7 Years | ₹84.00 L | ₹1.76 Cr | 21.0% | 15.4% | 26.5% |
| 10 Years | ₹1.20 Cr | ₹2.78 Cr | 16.7% | 15.3% | 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 | 19.4% | 14.5% | 11.7% | +4.9% |
| 3 Years | 18.5% | 11.2% | 12.7% | +7.3% |
| 5 Years | 21.6% | 10.4% | 12.4% | +11.2% |
| 7 Years | 21.0% | 10.6% | 12.6% | +10.4% |
| 10 Years | 16.7% | 11.5% | 11.6% | +5.2% |
| Duration | Mean | Median | Min | Max | Sharpe | Sortino | % Positive | Cat. Mean | Cat. Median |
|---|---|---|---|---|---|---|---|---|---|
| 1 Year | 19.2% | 12.7% | -30.9% | 96.0% | 0.60 | 2.18 | 85% | — | — |
| 3 Years | 18.6% | 19.7% | -4.6% | 40.8% | 1.41 | 7.37 | 97% | — | — |
| 5 Years | 20.2% | 18.9% | 12.9% | 34.0% | 2.87 | — | 100% | — | — |
| 10 Years | 16.8% | 16.8% | 15.8% | 19.2% | 15.24 | — | 100% | — | — |
-34.9%
Max Drawdown
2 mo
Drawdown Duration
8 mo
Recovery Time
-4.0%
Avg Drawdown
Calmar Ratio by Duration
0.55
1Y
0.53
3Y
0.58
5Y
0.53
7Y
0.48
10Y
Compared against NIFTY 50
| Duration | Alpha | Beta | Upside Capture | Downside Capture | Fund CAGR | Bench CAGR |
|---|---|---|---|---|---|---|
| 1 Year | +0.38 | 0.91 | 89.5% | 88.4% | 1.1% | 0.2% |
| 3 Years | +3.68 | 0.88 | 89.0% | 83.1% | 12.0% | 8.5% |
| 5 Years | +5.22 | 0.84 | 84.8% | 77.3% | 13.8% | 9.0% |
| 7 Years | +8.04 | 0.81 | 84.6% | 75.7% | 19.4% | 12.5% |
| 10 Years | +5.95 | 0.81 | 84.3% | 76.8% | 16.3% | 11.2% |
| 12 Years | +5.39 | 0.81 | 84.5% | 76.3% | 15.6% | 11.1% |
| 15 Years | +3.96 | 0.81 | 84.5% | 76.3% | 12.3% | 8.8% |
69
Total Holdings
41.3%
Top 10 Weight
30
Sectors
| # | Stock | % of NAV |
|---|---|---|
| 1 | HDFC Bank Ltd.£ | 6.88% |
| 2 | ICICI Bank Ltd. | 6.79% |
| 3 | Reliance Industries Ltd. | 4.96% |
| 4 | Axis Bank Ltd. | 4.64% |
| 5 | Kotak Mahindra Bank Limited | 4.04% |
| 6 | Maruti Suzuki India Limited | 3.12% |
| 7 | State Bank of India | 2.90% |
| 8 | Infosys Limited | 2.79% |
| 9 | Bharti Airtel Ltd. | 2.75% |
| 10 | Larsen and Toubro Ltd. | 2.45% |