HDFC Retirement Savings Fund Hybrid Equity Plan
Direct · Growth ₹37.61
06 Jul 2026
NAV
13.5%
3Y CAGR
14.3%
5Y CAGR
12.6%
10Y CAGR
13.3%
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.
10.86
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 | ₹12.60 L | 13.8% | -43.9% | 69.3% |
| 3 Years | ₹36.00 L | ₹44.23 L | 13.2% | -14.2% | 27.5% |
| 5 Years | ₹60.00 L | ₹86.14 L | 15.0% | 6.2% | 22.2% |
| 7 Years | ₹84.00 L | ₹1.40 Cr | 14.6% | 10.0% | 18.7% |
| 10 Years | ₹1.20 Cr | ₹2.15 Cr | 11.8% | 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 | 13.8% | 14.5% | 11.7% | -0.7% |
| 3 Years | 13.2% | 11.2% | 12.7% | +2.0% |
| 5 Years | 15.0% | 10.4% | 12.4% | +4.6% |
| 7 Years | 14.6% | 10.6% | 12.6% | +4.1% |
| 10 Years | 11.8% | 11.5% | 11.6% | +0.3% |
| Duration | Mean | Median | Min | Max | Sharpe | Sortino | % Positive | Cat. Mean | Cat. Median |
|---|---|---|---|---|---|---|---|---|---|
| 1 Year | 13.8% | 9.6% | -23.2% | 67.8% | 0.50 | 1.49 | 86% | — | — |
| 3 Years | 13.5% | 14.4% | -2.1% | 26.9% | 1.38 | 5.37 | 99% | — | — |
| 5 Years | 14.3% | 14.5% | 8.9% | 23.3% | 2.54 | — | 100% | — | — |
| 10 Years | 12.6% | 12.5% | 11.7% | 14.6% | 10.86 | — | 100% | — | — |
-27.7%
Max Drawdown
2 mo
Drawdown Duration
7 mo
Recovery Time
-3.0%
Avg Drawdown
Calmar Ratio by Duration
0.50
1Y
0.49
3Y
0.52
5Y
0.48
7Y
0.46
10Y
Compared against NIFTY 50
| Duration | Alpha | Beta | Upside Capture | Downside Capture | Fund CAGR | Bench CAGR |
|---|---|---|---|---|---|---|
| 1 Year | -2.69 | 0.72 | 68.2% | 69.6% | -1.2% | -0.4% |
| 3 Years | +0.59 | 0.68 | 68.6% | 65.3% | 8.1% | 8.0% |
| 5 Years | +1.23 | 0.65 | 65.2% | 61.1% | 9.1% | 8.7% |
| 7 Years | +3.07 | 0.63 | 65.0% | 59.7% | 13.3% | 12.4% |
| 10 Years | +2.59 | 0.63 | 65.7% | 60.4% | 12.0% | 11.2% |
| 12 Years | +2.35 | 0.63 | 66.0% | 60.2% | 11.7% | 11.1% |
| 15 Years | +1.35 | 0.63 | 66.0% | 60.2% | 9.3% | 8.8% |
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% |