HDFC Retirement Savings Fund Hybrid Equity Plan
Direct · Growth ₹37.02
19 Jun 2026
NAV
13.6%
3Y CAGR
14.5%
5Y CAGR
12.8%
10Y CAGR
13.4%
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.
12.19
Sharpe
-27.7%
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 | ₹12.61 L | 14.0% | -43.9% | 69.3% |
| 3 Years | ₹36.00 L | ₹44.30 L | 13.4% | -14.2% | 27.5% |
| 5 Years | ₹60.00 L | ₹86.37 L | 15.2% | 6.2% | 22.2% |
| 7 Years | ₹84.00 L | ₹1.41 Cr | 14.8% | 10.0% | 18.7% |
| 10 Years | ₹1.20 Cr | ₹2.17 Cr | 11.9% | 10.6% | 13.7% |
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 | 14.0% | 14.5% | 11.9% | -0.5% |
| 3 Years | 13.4% | 11.2% | 13.0% | +2.2% |
| 5 Years | 15.2% | 10.5% | 12.7% | +4.7% |
| 7 Years | 14.8% | 10.6% | 13.0% | +4.2% |
| 10 Years | 11.9% | 11.5% | 12.1% | +0.4% |
| Duration | Mean | Median | Min | Max | Sharpe | Sortino | % Positive | Cat. Mean | Cat. Median |
|---|---|---|---|---|---|---|---|---|---|
| 1 Year | 14.1% | 9.7% | -23.2% | 67.8% | 0.52 | 1.58 | 88% | — | — |
| 3 Years | 13.6% | 14.5% | -2.1% | 26.9% | 1.40 | 5.39 | 99% | — | — |
| 5 Years | 14.5% | 14.6% | 9.0% | 23.3% | 2.62 | — | 100% | — | — |
| 10 Years | 12.8% | 12.7% | 12.0% | 14.6% | 12.19 | — | 100% | — | — |
-27.7%
Max Drawdown
2 mo
Drawdown Duration
7 mo
Recovery Time
-3.0%
Avg Drawdown
Calmar Ratio by Duration
0.51
1Y
0.49
3Y
0.52
5Y
0.49
7Y
0.46
10Y
Compared against NIFTY 50
| Duration | Alpha | Beta | Upside Capture | Downside Capture | Fund CAGR | Bench CAGR |
|---|---|---|---|---|---|---|
| 1 Year | -2.99 | 0.72 | 67.7% | 70.1% | -3.4% | -3.1% |
| 3 Years | +1.01 | 0.68 | 68.7% | 64.6% | 8.9% | 8.6% |
| 5 Years | +1.74 | 0.65 | 65.5% | 60.6% | 9.7% | 8.8% |
| 7 Years | +2.71 | 0.62 | 64.7% | 59.7% | 11.9% | 10.8% |
| 10 Years | +2.80 | 0.63 | 66.0% | 60.6% | 12.3% | 11.3% |
| 12 Years | +2.27 | 0.63 | 66.0% | 60.1% | 11.5% | 10.8% |
| 15 Years | +1.29 | 0.63 | 66.0% | 60.1% | 9.1% | 8.6% |
64
Total Holdings
33.4%
Top 10 Weight
28
Sectors
| # | Stock | % of NAV |
|---|---|---|
| 1 | HDFC Bank Ltd.£ | 5.61% |
| 2 | ICICI Bank Ltd. | 5.52% |
| 3 | Reliance Industries Ltd. | 3.73% |
| 4 | Axis Bank Ltd. | 3.23% |
| 5 | Kotak Mahindra Bank Limited | 3.14% |
| 6 | State Bank of India | 3.03% |
| 7 | Maruti Suzuki India Limited | 2.47% |
| 8 | Bharti Airtel Ltd. | 2.30% |
| 9 | Infosys Limited | 2.19% |
| 10 | Tata Consultancy Services Ltd. | 2.13% |