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HDFC Retirement Savings Fund - Equity Plan - Regular Plan- Growth

  • Regular
  • Direct
Category : Retirement Fund
Fund House : HDFC Mutual Fund
Portfolio Turnover Ratio : 17.50%. Category average turnover ratio is 47.53%. Fund manager updated portfolio less frequently than peers in last 1 year. (I.e. fund manager held stocks/bonds in the portfolio for longer duration than peers)
Equity Holding : 91.08% | F&O Holdings : 0.00%| Foreign Equity Holdings : 0.00%| Total : 91.08%
No of Stocks : 69 (Category Avg - 54.28) | Large Cap Investments : 53.96%| Mid Cap Investments : 6.48% | Small Cap Investments : 14.95% | Other : 15.69%

Portfolio Summary (as on 31st Aug,2025)

Particulars This Scheme Category
No. of Stocks 69 57.74
Top 5 Stock Weight 26.76% 18.2%
Top 10 Stock Weight 40.38% 28.11%
Top 3 Sector Weight 34.32% 20.97%
Category - Retirement Fund
Particulars This Scheme Category
Average mcap (Cr) 140146.81 79994.37
Holdings in large cap stocks 53.96% 30.81%
Holdings in mid cap stocks 6.48% 8.98%
Holdings in small cap stocks 14.95% 9.69%
Category - Retirement Fund

Top 10 Stocks holding in Portfolio (as on 31st Aug,2025)

Stock Invested in Sector Value(Mn) % of Total Holdings 1M Change 1Y Highest Holding 1Y Lowest Holding Quantity 1M Change in Qty
HDFC Bank Ltd. Private sector bank 5709.6 8.67% -0.49% 9.33% (Feb 2025) 7.86% (Sep 2024) 60.00 L 30.00 L
ICICI Bank Ltd. Private sector bank 4473 6.79% -0.38% 7.31% (Apr 2025) 6.4% (Sep 2024) 32.00 L 0.00
Reliance Industries Ltd. Refineries & marketing 2714.4 4.12% -0.09% 4.5% (Apr 2025) 2.87% (Sep 2024) 20.00 L 0.00
Axis Bank Ltd. Private sector bank 2508.5 3.81% -0.07% 4.55% (Apr 2025) 3.34% (Jan 2025) 24.00 L 0.00
Maruti Suzuki India Ltd. Passenger cars & utility vehicles 2218.7 3.37% 0.80% 3.37% (Aug 2025) 2.04% (Oct 2024) 1.50 L 15.00 k
Bharti Airtel Ltd. Telecom - cellular & fixed line services 2077.7 3.16% -0.02% 3.3% (Jun 2025) 2.89% (Dec 2024) 11.00 L 0.00
Tata Consultancy Services Ltd. Computers - software & consulting 1850.8 2.81% 0.05% 2.81% (Aug 2025) 0% (Sep 2024) 6.00 L 0.00
Infosys Ltd. Computers - software & consulting 1763.5 2.68% 0.40% 3.42% (Dec 2024) 2.28% (Jul 2025) 12.00 L 2.00 L
Kotak Mahindra Bank Ltd. Private sector bank 1666.3 2.53% 0.14% 2.9% (Mar 2025) 2.32% (Oct 2024) 8.50 L 50.00 k
State Bank Of India Public sector bank 1605 2.44% 0.03% 2.79% (Nov 2024) 2.41% (Jul 2025) 20.00 L 0.00
- indicates change in weight in the portfolio. # indicates a new entry.

Complete equity Portfolio (as on 31st Aug,2025)

Help me understand this table
Stock Invested in
Sector
Sector Total
Value(Mn)
% of Total Holdings
1M Change
1Y Highest Holding
1Y Lowest Holding
Quantity
1M Change in Qty
M-Cap
GroupName
HDFC Bank Ltd. Private sector bank 21.8 5709.6 8.67% -0.49% 9.33% (Feb 2025) 7.86% (Sep 2024) 60.00 L 30.00 L Other 15.69
ICICI Bank Ltd. Private sector bank 21.8 4473 6.79% -0.38% 7.31% (Apr 2025) 6.4% (Sep 2024) 32.00 L 0.00 Large Cap 53.96
Reliance Industries Ltd. Refineries & marketing 5.15 2714.4 4.12% -0.09% 4.5% (Apr 2025) 2.87% (Sep 2024) 20.00 L 0.00 Large Cap 53.96
Axis Bank Ltd. Private sector bank 21.8 2508.5 3.81% -0.07% 4.55% (Apr 2025) 3.34% (Jan 2025) 24.00 L 0.00 Large Cap 53.96
Maruti Suzuki India Ltd. Passenger cars & utility vehicles 4.05 2218.7 3.37% 0.80% 3.37% (Aug 2025) 2.04% (Oct 2024) 1.50 L 15.00 k Large Cap 53.96
Bharti Airtel Ltd. Telecom - cellular & fixed line services 3.16 2077.7 3.16% -0.02% 3.3% (Jun 2025) 2.89% (Dec 2024) 11.00 L 0.00 Large Cap 53.96
Tata Consultancy Services Ltd. Computers - software & consulting 7.37 1850.8 2.81% 0.05% 2.81% (Aug 2025) 0% (Sep 2024) 6.00 L 0.00 Large Cap 53.96
Infosys Ltd. Computers - software & consulting 7.37 1763.5 2.68% 0.40% 3.42% (Dec 2024) 2.28% (Jul 2025) 12.00 L 2.00 L Large Cap 53.96
Kotak Mahindra Bank Ltd. Private sector bank 21.8 1666.3 2.53% 0.14% 2.9% (Mar 2025) 2.32% (Oct 2024) 8.50 L 50.00 k Large Cap 53.96
State Bank Of India Public sector bank 2.44 1605 2.44% 0.03% 2.79% (Nov 2024) 2.41% (Jul 2025) 20.00 L 0.00 Large Cap 53.96
Cipla Ltd. Pharmaceuticals 4.92 1589.4 2.41% 0.06% 2.41% (Aug 2025) 1.58% (May 2025) 10.00 L 2.40 k Large Cap 53.96
ITC Limited Diversified fmcg 2.05 1352.2 2.05% -0.01% 2.25% (Apr 2025) 1.91% (Feb 2025) 33.00 L 0.00 Large Cap 53.96
Larsen & Toubro Ltd. Civil construction 3.35 1350.4 2.05% -0.01% 2.19% (Mar 2025) 2.01% (Apr 2025) 3.75 L 0.00 Large Cap 53.96
InterGlobe Aviation Ltd. Airline 1.89 1242.1 1.89% -0.08% 1.97% (Jul 2025) 1.01% (Sep 2024) 2.20 L 0.00 Large Cap 53.96
HCL Technologies Limited Computers - software & consulting 7.37 1236.6 1.88% -0.01% 2.69% (Dec 2024) 1.88% (Aug 2025) 8.50 L 0.00 Large Cap 53.96
Bajaj Auto Ltd. 2/3 wheelers 3.16 1165.3 1.77% 0.32% 2% (Sep 2024) 1.45% (Dec 2024) 1.35 L 15.00 k Large Cap 53.96
Power Grid Corporation of India Ltd. Power - transmission 1.67 1101 1.67% 0.13% 1.67% (Aug 2025) 0.82% (Jan 2025) 40.00 L 5.00 L Large Cap 53.96
DR. LAL PATHLABS Ltd. Healthcare service provider 1.5 987.9 1.50% 0.08% 1.5% (Aug 2025) 0% (Sep 2024) 2.99 L 0.00 Small Cap 14.95
ICICI Lombard General Insurance Co Ltd. General insurance 1.91 919.8 1.40% -0.06% 1.52% (Jun 2025) 1.18% (Dec 2024) 5.00 L 0.00 Large Cap 53.96
Eicher Motors Ltd. 2/3 wheelers 3.16 915.5 1.39% 0.15% 1.39% (Aug 2025) 0.98% (Sep 2024) 1.50 L 0.00 Other 15.69
Havells India Ltd. Consumer electronics 1.84 915.4 1.39% 0.03% 1.39% (Aug 2025) 0% (Sep 2024) 6.00 L 0.00 Large Cap 53.96
HDFC Life Insurance Company Ltd. Life insurance 2.51 849.3 1.29% 0.03% 1.29% (Aug 2025) 0% (Sep 2024) 11.00 L 0.00 Large Cap 53.96
Max Financial Services Ltd. Life insurance 2.51 801.1 1.22% 0.08% 1.23% (Jun 2025) 0.9% (Feb 2025) 5.00 L 0.00 Mid Cap 6.48
Transport Corporation Of India Ltd. Logistics solution provider 3.95 774.1 1.18% -0.03% 1.29% (Dec 2024) 1.1% (Feb 2025) 6.79 L 0.00 Small Cap 14.95
Delhivery Ltd. Logistics solution provider 3.95 748.9 1.14% 0.11% 1.14% (Aug 2025) 0.6% (Mar 2025) 16.00 L 0.00 Other 15.69
Lupin Ltd. Pharmaceuticals 4.92 720 1.09% 0.36% 1.09% (Aug 2025) 0% (Sep 2024) 3.80 L 1.30 L Large Cap 53.96
CreditAccess Grameen Ltd. Microfinance institutions 1.06 699.6 1.06% 0.21% 1.06% (Aug 2025) 0% (Sep 2024) 5.00 L 49.75 k Small Cap 14.95
Hindustan Petroleum Corporation Ltd. Refineries & marketing 5.15 676.6 1.03% -0.11% 1.27% (May 2025) 0.85% (Jan 2025) 18.00 L 0.00 Large Cap 53.96
# Jindal Steel Ltd. Iron & steel products 2.96 662.1 1.01% 0.00% 1.08% (Feb 2025) 0.67% (Sep 2024) 7.00 L 0.00 Mid Cap 6.48
# Jindal Steel Ltd. Iron & steel products 2.96 662.1 1.01% 0.00% 1.08% (Feb 2025) 0.67% (Sep 2024) 7.00 L 0.00 Mid Cap 6.48
Gland Pharma Ltd. Pharmaceuticals 4.92 655 0.99% -0.10% 1.09% (Jul 2025) 0.78% (Apr 2025) 3.50 L 0.00 Other 15.69
Tata Steel Ltd. Iron & steel products 2.96 617.9 0.94% -0.02% 1.03% (Mar 2025) 0.68% (Dec 2024) 40.00 L 0.00 Other 15.69
- Godrej Consumer Products Ltd Personal care 0.89 584 0.89% 0.00% 1.06% (Sep 2024) 0.83% (Jun 2025) 4.70 L 0.00 Large Cap 53.96
Apollo Hospitals Enterprises Ltd. Hospital 0.87 570.8 0.87% 0.02% 0.87% (Aug 2025) 0% (Sep 2024) 75.00 k 0.00 Mid Cap 6.48
Kalpataru Power Transmission Ltd. Civil construction 3.35 546.4 0.83% 0.07% 0.94% (Dec 2024) 0.66% (Nov 2024) 4.37 L 0.00 Small Cap 14.95
National Aluminium Co. Ltd. Aluminium 0.79 521.3 0.79% 0.01% 0.81% (Jun 2025) 0% (Sep 2024) 28.00 L 0.00 Small Cap 14.95
Voltamp Transformers Ltd. Heavy electrical equipment 1.02 507.5 0.77% -0.10% 1.45% (Sep 2024) 0.77% (Aug 2025) 65.00 k 0.00 Small Cap 14.95
United Spirits Ltd. Breweries & distilleries 0.76 498.2 0.76% -0.01% 1.62% (Sep 2024) 0.76% (Aug 2025) 3.80 L 0.00 Large Cap 53.96
- Mahindra & Mahindra Ltd. Passenger cars & utility vehicles 4.05 447.9 0.68% 0.00% 1.4% (Sep 2024) 0.68% (Aug 2025) 1.40 L 0.00 Large Cap 53.96
The Anup Engineering Ltd. Industrial products 0.67 442.9 0.67% -0.13% 1.64% (Nov 2024) 0.67% (Aug 2025) 2.00 L 0.00 Other 15.69
Gujarat State Petronet Ltd. Gas transmission/marketing 0.66 434.9 0.66% -0.06% 0.9% (Dec 2024) 0.65% (Oct 2024) 15.00 L 0.00 Mid Cap 6.48
Akzo Nobel India Ltd. Paints 0.65 426.3 0.65% -0.06% 0.92% (Oct 2024) 0.64% (Jun 2025) 1.25 L 0.00 Small Cap 14.95
# Blue Dart Express Ltd. Logistics solution provider 3.95 420.6 0.64% 0.64% 0.64% (Aug 2025) 0% (Sep 2024) 75.00 k 75.00 k Small Cap 14.95
CRISIL Ltd. Other financial services 0.61 399 0.61% -0.03% 0.88% (Dec 2024) 0.56% (Mar 2025) 80.02 k 0.00 Mid Cap 6.48
Bajaj Electricals Ltd. Household appliances 0.6 398.3 0.60% -0.05% 1.02% (Oct 2024) 0.6% (Aug 2025) 7.00 L 0.00 Small Cap 14.95
Greenply Industries Ltd. Plywood boards/ laminates 0.59 385.8 0.59% -0.02% 0.77% (Sep 2024) 0.58% (Apr 2025) 12.50 L 0.00 Small Cap 14.95
Finolex Cables Ltd. Cables - electricals 0.56 370.8 0.56% -0.04% 1.04% (Sep 2024) 0.56% (Aug 2025) 4.52 L 0.00 Small Cap 14.95
Redington Ltd. Trading & distributors 0.55 361.3 0.55% 0.36% 0.7% (Jan 2025) 0.19% (Jul 2025) 15.00 L 10.00 L Small Cap 14.95
Gateway Rail Freight Ltd. Logistics solution provider 3.95 354.1 0.54% -0.05% 0.81% (Oct 2024) 0.53% (Apr 2025) 55.00 L 0.00 Other 15.69
Finolex Industries Ltd. Plastic products - industrial 0.53 349.7 0.53% 0.02% 0.67% (Oct 2024) 0.42% (Apr 2025) 16.50 L 0.00 Other 15.69
Star Health and Allied Insurance Co Ltd. General insurance 1.91 335.1 0.51% 0.01% 0.74% (Sep 2024) 0.45% (Mar 2025) 7.50 L 0.00 Other 15.69
Ceat Ltd. Tyres & rubber products 0.48 313.2 0.48% -0.02% 0.58% (May 2025) 0% (Sep 2024) 1.00 L 0.00 Small Cap 14.95
PNC Infratech Ltd. Civil construction 3.35 307 0.47% -0.01% 0.73% (Sep 2024) 0.43% (Mar 2025) 10.10 L 0.00 Small Cap 14.95
PVR Inox Ltd. Film production, distribution & exhibition 0.47 308 0.47% 0.05% 0.61% (Sep 2024) 0.4% (Jun 2025) 2.75 L 0.00 Small Cap 14.95
Symphony Ltd. Consumer electronics 1.84 295.1 0.45% -0.05% 0.78% (Oct 2024) 0.45% (Aug 2025) 3.16 L 17.31 k Small Cap 14.95
VRL Logistic Ltd. Logistics solution provider 3.95 295.9 0.45% -0.08% 0.53% (Jul 2025) 0.41% (Apr 2025) 11.20 L 5.60 L Small Cap 14.95
Torrent Pharmaceuticals Ltd. Pharmaceuticals 4.92 284.8 0.43% -0.02% 1.1% (Sep 2024) 0.39% (May 2025) 80.00 k 0.00 Mid Cap 6.48
Great Eastern Shipping Co. Ltd. Shipping 0.42 278.2 0.42% -0.01% 0.65% (Oct 2024) 0.42% (Apr 2025) 3.00 L 0.00 Small Cap 14.95
Chambal Fertilizers & Chemicals Ltd. Fertilizers 0.41 270.1 0.41% 0.02% 0.86% (Sep 2024) 0.39% (Jul 2025) 5.00 L 0.00 Small Cap 14.95
- Mahindra Holidays & Resorts India Ltd. Hotels & resorts 0.4 262.4 0.40% 0.00% 0.48% (Oct 2024) 0.36% (Mar 2025) 7.50 L 0.00 Small Cap 14.95
- Tamil Nadu Newsprint & Papers Ltd. Paper & paper products 0.39 259.9 0.39% 0.00% 0.55% (Sep 2024) 0.34% (Apr 2025) 16.00 L 0.00 Small Cap 14.95
Prestige Estates Projects Ltd. Residential, commercial projects 0.36 234.3 0.36% -0.01% 0.42% (Jun 2025) 0% (Sep 2024) 1.50 L 0.00 Mid Cap 6.48
Equitas Small Finance Bank Ltd. Other bank 0.31 201.1 0.31% -0.05% 0.5% (Sep 2024) 0.31% (Aug 2025) 40.00 L 0.00 Other 15.69
- GNA Axles Ltd. Auto components & equipments 0.31 202.2 0.31% 0.00% 0.49% (Sep 2024) 0.31% (Aug 2025) 6.75 L 0.00 Small Cap 14.95
Nippon Life India Asset Management Ltd. Asset management company 0.31 205.4 0.31% -0.12% 1.19% (Oct 2024) 0.31% (Aug 2025) 2.62 L -0.88 L Mid Cap 6.48
Timken India Ltd. Abrasives & bearings 0.31 202.2 0.31% -0.04% 0.43% (Sep 2024) 0.27% (Apr 2025) 70.00 k 0.00 Small Cap 14.95
Cyient Ltd. It enabled services 0.25 163.5 0.25% -0.04% 0.56% (Nov 2024) 0.25% (Aug 2025) 1.40 L -0.20 L Small Cap 14.95
KEC International Ltd. Heavy electrical equipment 1.02 161.6 0.25% -0.01% 0.51% (Sep 2024) 0.22% (Apr 2025) 2.00 L 0.00 Small Cap 14.95
Nilkamal Ltd. Plastic products - consumer 0.17 111.9 0.17% -0.01% 0.23% (Dec 2024) 0.17% (Aug 2025) 71.74 k 0.00 Small Cap 14.95
Mahindra & Mahindra Financial Services Ltd. Non banking financial company (nbfc) 77.3 0.00% -0.12% - - - - Mid Cap 6.48
ITC Hotels Ltd Hotels & resorts 0.4 59.9 0.00% -0.09% - - - - Other 15.69
- indicates change in weight in the portfolio. # indicates a new entry.

New Stocks added in Portfolio (in 1 month period ending 31st Aug,2025)

Stock Invested in Sector Value(Mn) % of Total Holdings 1M Change 1Y Highest Holding 1Y Lowest Holding Quantity 1M Change in Qty
# Blue Dart Express Ltd. Logistics solution provider 420.6 0.64% 0.64% 0.64% (Aug 2025) 0% (Sep 2024) 75.00 k 75000

Stocks removed from Portfolio (in 1 month period ending 31st Aug,2025)

Stock Invested in Sector Value(Mn) % of Total Holdings 1M Change 1Y Highest Holding 1Y Lowest Holding Quantity 1M Change in Qty
Mahindra & Mahindra Financial Services Ltd. Non banking financial company (nbfc) 77.3 0.00% -0.12% 0.77% (Sep 2024) 0% (Sep 2024) 0.00 -300000
ITC Hotels Ltd Hotels & resorts 59.9 0.00% -0.09% 0.09% (Mar 2025) 0% (Sep 2024) 0.00 -260000

Trend in stock holdings (Top 15 Holding)

Stock Aug 2025 Jul 2025 Jun 2025 May 2025 Apr 2025 Mar 2025 Feb 2025 Jan 2025 Dec 2024 Nov 2024 Oct 2024 Sep 2024 Aug 2024
HDFC Bank Ltd. 8.67% 9.16% 8.96% 9.01% 9.25% 9.17% 9.33% 8.64% 8.79% 8.97% 8.43% 7.86% 7.62%
ICICI Bank Ltd. 6.79% 7.17% 6.90% 7.15% 7.31% 7.21% 6.92% 6.80% 6.57% 6.71% 6.71% 6.40% 6.13%
Axis Bank Ltd. 3.81% 3.88% 4.30% 4.42% 4.55% 4.42% 4.01% 3.34% 3.52% 3.78% 3.50% 3.60% 3.13%
Reliance Industries Ltd. 4.12% 4.21% 4.48% 4.39% 4.50% 3.84% 3.66% 3.43% 3.01% 3.23% 3.35% 2.87% 3.01%
Bharti Airtel Ltd. 3.16% 3.18% 3.30% 3.15% 3.28% 3.19% 3.10% 3.03% 2.89% 2.98% 2.97% 3.05% 2.91%
Infosys Ltd. 2.68% 2.28% 2.39% 2.41% 2.40% 2.63% 3.03% 3.19% 3.42% 3.40% 3.24% 3.35% 3.55%
State Bank Of India 2.44% 2.41% 2.45% 2.51% 2.53% 2.58% 2.47% 2.62% 2.63% 2.79% 2.75% 2.55% 2.71%
Maruti Suzuki India Ltd. 3.37% 2.57% 2.50% 2.57% 2.65% 2.60% 2.89% 2.82% 2.15% 2.21% 2.04% 2.36% 2.27%
Kotak Mahindra Bank Ltd. 2.53% 2.39% 2.58% 2.56% 2.83% 2.90% 2.73% 2.58% 2.36% 2.35% 2.32% 2.40% 2.37%
HCL Technologies Limited 1.88% 1.89% 2.19% 2.15% 2.13% 2.26% 2.40% 2.49% 2.69% 2.61% 2.51% 2.48% 2.48%
ITC Limited 2.05% 2.06% 2.05% 2.13% 2.25% 2.19% 1.91% 1.97% 2.08% 2.06% 2.13% 2.18% 2.17%
Larsen & Toubro Ltd. 2.05% 2.06% 2.05% 2.13% 2.01% 2.19% 2.13% 2.18% 2.05% 2.13% 2.08% 2.04% 2.11%
Jindal Steel Ltd. 2.02% - - - - - - - - - - - -
Jindal Steel & Power Ltd. - 1.02% 0.98% 1.03% 1.00% 1.07% 1.08% 0.94% 1.08% 0.91% 0.93% 0.67% 0.53%
Tata Consultancy Services Ltd. 2.81% 2.76% 2.32% 1.60% 1.66% 1.81% 1.88% 1.74% 1.69% 1.78% 1.33% - -
Cipla Ltd. 2.41% 2.35% 1.80% 1.58% 1.74% 1.69% 1.77% 1.76% 1.77% 1.79% 1.82% 1.88% 1.93%
Name Type of Instrument Weight (%)
TREPS TREPS 9.28%
Embassy Office Parks Reit InvITs 0.77%
Net Receivables Net Receivables -0.12%

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