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

  • Regular
  • Direct
Category : Retirement Fund
Fund House : HDFC Mutual Fund
Equity Holding : 70.78% | F&O Holdings : 0.00%| Foreign Equity Holdings : 0.00%| Total : 70.78%
No of Stocks : 66 (Category Avg - 53.59) | Large Cap Investments : 41.02%| Mid Cap Investments : 5.2% | Small Cap Investments : 12.54% | Other : 12.02%

Portfolio Summary (as on 30th Sep,2025)

Particulars This Scheme Category
No. of Stocks 66 57.56
Top 5 Stock Weight 21.2% 17.9%
Top 10 Stock Weight 32.41% 27.77%
Top 3 Sector Weight 29.3% 20.49%
Category - Retirement Fund
Particulars This Scheme Category
Average mcap (Cr) 110853.75 78714.39
Holdings in large cap stocks 41.02% 30.65%
Holdings in mid cap stocks 5.2% 8.76%
Holdings in small cap stocks 12.54% 9.59%
Category - Retirement Fund

Top 10 Stocks holding in Portfolio (as on 30th Sep,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 1141.2 6.79% 0.00% 7.24% (Jul 2025) 5.9% (Sep 2024) 12.00 L 0.00
# ICICI Bank Ltd. Private sector bank 943.6 5.61% 0.00% 6.21% (Apr 2025) 5.52% (Sep 2024) 7.00 L 0.00
# Reliance Industries Ltd. Refineries & marketing 545.6 3.25% 0.00% 3.53% (Jun 2025) 2.31% (Dec 2024) 4.00 L 0.00
# Maruti Suzuki India Ltd. Passenger cars & utility vehicles 480.9 2.86% 0.00% 2.67% (Aug 2025) 1.41% (Oct 2024) 30.00 k 0.00
# Axis Bank Ltd. Private sector bank 452.6 2.69% 0.00% 2.95% (Apr 2025) 2.52% (Aug 2025) 4.00 L 0.00
# State Bank Of India Public sector bank 436.2 2.60% 0.00% 2.65% (Nov 2024) 2.32% (Feb 2025) 5.00 L 0.00
# Kotak Mahindra Bank Ltd. Private sector bank 378.6 2.25% 0.00% 2.63% (Mar 2025) 1.87% (Oct 2024) 1.90 L 0.00
# Bharti Airtel Ltd. Telecom - cellular & fixed line services 375.7 2.24% 0.00% 2.65% (Sep 2024) 2.24% (May 2025) 2.00 L 0.00
# Infosys Ltd. Computers - software & consulting 360.5 2.14% 0.00% 2.51% (Jan 2025) 1.83% (Aug 2025) 2.50 L 43.14 k
# Tata Consultancy Services Ltd. Computers - software & consulting 332.2 1.98% 0.00% 2.14% (Aug 2025) 0% (Sep 2024) 1.15 L 0.00
- indicates change in weight in the portfolio. # indicates a new entry.

Complete equity Portfolio (as on 30th Sep,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 18.23 1141.2 6.79% 0.00% 7.24% (Jul 2025) 5.9% (Sep 2024) 12.00 L 0.00 Other 12.02
# ICICI Bank Ltd. Private sector bank 18.23 943.6 5.61% 0.00% 6.21% (Apr 2025) 5.52% (Sep 2024) 7.00 L 0.00 Large Cap 41.02
# Reliance Industries Ltd. Refineries & marketing 3.91 545.6 3.25% 0.00% 3.53% (Jun 2025) 2.31% (Dec 2024) 4.00 L 0.00 Large Cap 41.02
# Maruti Suzuki India Ltd. Passenger cars & utility vehicles 3.27 480.9 2.86% 0.00% 2.67% (Aug 2025) 1.41% (Oct 2024) 30.00 k 0.00 Large Cap 41.02
# Axis Bank Ltd. Private sector bank 18.23 452.6 2.69% 0.00% 2.95% (Apr 2025) 2.52% (Aug 2025) 4.00 L 0.00 Large Cap 41.02
# State Bank Of India Public sector bank 2.6 436.2 2.60% 0.00% 2.65% (Nov 2024) 2.32% (Feb 2025) 5.00 L 0.00 Large Cap 41.02
# Kotak Mahindra Bank Ltd. Private sector bank 18.23 378.6 2.25% 0.00% 2.63% (Mar 2025) 1.87% (Oct 2024) 1.90 L 0.00 Large Cap 41.02
# Bharti Airtel Ltd. Telecom - cellular & fixed line services 2.24 375.7 2.24% 0.00% 2.65% (Sep 2024) 2.24% (May 2025) 2.00 L 0.00 Large Cap 41.02
# Infosys Ltd. Computers - software & consulting 6.51 360.5 2.14% 0.00% 2.51% (Jan 2025) 1.83% (Aug 2025) 2.50 L 43.14 k Large Cap 41.02
# Tata Consultancy Services Ltd. Computers - software & consulting 6.51 332.2 1.98% 0.00% 2.14% (Aug 2025) 0% (Sep 2024) 1.15 L 0.00 Large Cap 41.02
# Cipla Ltd. Pharmaceuticals 4.56 300.7 1.79% 0.00% 1.92% (Aug 2025) 1.33% (May 2025) 2.00 L 0.00 Large Cap 41.02
# ITC Limited Diversified fmcg 1.67 281.1 1.67% 0.00% 1.93% (Sep 2024) 1.6% (Feb 2025) 7.00 L 0.00 Large Cap 41.02
# HCL Technologies Limited Computers - software & consulting 6.51 277 1.65% 0.00% 2.12% (Dec 2024) 1.54% (Jul 2025) 2.00 L 0.00 Large Cap 41.02
# Larsen & Toubro Ltd. Civil construction 2.3 274.4 1.63% 0.00% 2.12% (Nov 2024) 1.87% (Apr 2025) 75.00 k -0.15 L Large Cap 41.02
# Bajaj Auto Ltd. 2/3 wheelers 1.29 217 1.29% 0.00% 1.53% (Sep 2024) 1.11% (Dec 2024) 25.00 k 0.00 Large Cap 41.02
# DR. LAL PATHLABS Ltd. Healthcare service provider 1.21 202.7 1.21% 0.00% 1.18% (Aug 2025) 0% (Sep 2024) 65.00 k 5.58 k Small Cap 12.54
# Power Grid Corporation of India Ltd. Power - transmission 1.17 196.2 1.17% 0.00% 1.34% (Apr 2025) 0.9% (Feb 2025) 7.00 L 0.00 Large Cap 41.02
# ICICI Lombard General Insurance Co Ltd. General insurance 1.12 189 1.12% 0.00% 1.35% (Sep 2024) 1.11% (Aug 2025) 1.00 L 0.00 Large Cap 41.02
# Max Financial Services Ltd. Life insurance 2.62 181.2 1.08% 0.00% 1.12% (Jun 2025) 0.77% (Feb 2025) 1.15 L 0.00 Mid Cap 5.2
# Lumax Industries Ltd. Auto components & equipments 2.79 176.1 1.05% 0.00% 0.88% (Aug 2025) 0.45% (Jan 2025) 34.86 k 0.00 Small Cap 12.54
# Havells India Ltd. Consumer electronics 1.03 172.7 1.03% 0.00% 1.06% (Aug 2025) 0% (Sep 2024) 1.15 L 0.00 Large Cap 41.02
# Alkem Laboratories Ltd. Pharmaceuticals 4.56 162.8 0.97% 0.97% 0% (Oct 2025) 0% (Oct 2025) 30.00 k 30.00 k Mid Cap 5.2
# Vesuvius India Ltd. Electrodes & refractories 0.92 153.8 0.92% 0.00% 1.07% (May 2025) 0.81% (Feb 2025) 3.00 L 0.00 Other 12.02
# HDFC Life Insurance Company Ltd. Life insurance 2.62 151.3 0.90% 0.00% 0.96% (Jun 2025) 0% (Sep 2024) 2.00 L 0.00 Large Cap 41.02
# City Union Bank Ltd. Private sector bank 18.23 149.6 0.89% 0.00% 0.9% (Jul 2025) 0.7% (Feb 2025) 7.00 L 0.00 Mid Cap 5.2
# Suprajit Engineering Ltd. Auto components & equipments 2.79 137.4 0.82% 0.00% 0.97% (Oct 2024) 0.71% (Apr 2025) 2.97 L 0.00 Small Cap 12.54
# CreditAccess Grameen Ltd. Microfinance institutions 0.81 135.3 0.81% 0.00% 0.84% (Aug 2025) 0% (Sep 2024) 1.00 L 0.00 Small Cap 12.54
# Tata Steel Ltd. Iron & steel products 0.8 135 0.80% 0.00% 0.79% (Mar 2025) 0.61% (Dec 2024) 8.00 L 0.00 Other 12.02
# Transport Corporation Of India Ltd. Logistics solution provider 1.82 129.9 0.77% 0.00% 0.8% (Dec 2024) 0.67% (Feb 2025) 1.10 L 0.00 Small Cap 12.54
# Godrej Consumer Products Ltd Personal care 0.69 116.7 0.69% 0.00% 0.86% (Sep 2024) 0.68% (Dec 2024) 1.00 L 0.00 Large Cap 41.02
# Gland Pharma Ltd. Pharmaceuticals 4.56 114.2 0.68% 0.00% 0.71% (Jul 2025) 0.5% (Apr 2025) 57.34 k 0.00 Other 12.02
# Alembic Pharmaceuticals Ltd. Pharmaceuticals 4.56 112.7 0.67% 0.00% 0.93% (Sep 2024) 0.63% (Feb 2025) 1.25 L 0.00 Mid Cap 5.2
# Kalpataru Power Transmission Ltd. Civil construction 2.3 112.9 0.67% 0.00% 0.68% (Aug 2025) 0.53% (Feb 2025) 90.00 k 0.00 Small Cap 12.54
# Hindustan Petroleum Corporation Ltd. Refineries & marketing 3.91 110.9 0.66% 0.00% 0.82% (Sep 2024) 0.57% (Aug 2025) 2.50 L 0.00 Large Cap 41.02
# National Aluminium Co. Ltd. Aluminium 0.64 106.9 0.64% 0.00% 0.57% (Jun 2025) 0% (Sep 2024) 5.00 L 0.00 Small Cap 12.54
# SBI Life Insurance Co Ltd. Life insurance 2.62 107.4 0.64% 0.00% 0.66% (May 2025) 0% (Sep 2024) 60.00 k 0.00 Large Cap 41.02
# SKF India Ltd. Abrasives & bearings 0.89 103.7 0.62% 0.00% 0.74% (Sep 2024) 0.53% (Apr 2025) 22.00 k 0.00 Small Cap 12.54
# UTI Asset Management Co. Pvt. Ltd. Asset management company 0.62 104.3 0.62% 0.00% 0.64% (Jul 2025) 0.35% (Feb 2025) 80.00 k 0.00 Other 12.02
# Crompton Greaves Consumer Electricals Ltd. Household appliances 1.03 102 0.61% 0.00% 0.91% (Nov 2024) 0.68% (Jul 2025) 3.50 L 0.00 Mid Cap 5.2
# Redington Ltd. Trading & distributors 0.59 99.2 0.59% 0.00% 0.53% (Jan 2025) 0.15% (Jul 2025) 3.50 L 50.00 k Small Cap 12.54
# The Anup Engineering Ltd. Industrial products 0.56 93.9 0.56% 0.00% 1.15% (Nov 2024) 0.53% (Aug 2025) 40.00 k 0.00 Other 12.02
# Gujarat State Petronet Ltd. Gas transmission/marketing 0.55 92.9 0.55% 0.00% 0.79% (Sep 2024) 0.52% (Aug 2025) 3.00 L 0.00 Mid Cap 5.2
# Delhivery Ltd. Logistics solution provider 1.82 90 0.54% 0.00% 0.56% (Aug 2025) 0% (Sep 2024) 2.00 L 0.00 Other 12.02
# Blue Dart Express Ltd. Logistics solution provider 1.82 85.6 0.51% 0.00% 0.51% (Aug 2025) 0% (Sep 2024) 15.00 k 0.00 Small Cap 12.54
# CIE AUTOMOTIVE INDIA Ltd. Auto components & equipments 2.79 80.6 0.48% 0.00% 0.69% (Sep 2024) 0.46% (Aug 2025) 2.00 L 0.00 Small Cap 12.54
# Goodyear India Ltd. Tyres & rubber products 0.47 78.4 0.47% 0.00% 0.57% (Sep 2024) 0.42% (Mar 2025) 80.00 k 0.00 Small Cap 12.54
# United Spirits Ltd. Breweries & distilleries 0.47 79.5 0.47% 0.00% 1.18% (Sep 2024) 0.47% (Aug 2025) 60.00 k 0.00 Large Cap 41.02
# Voltamp Transformers Ltd. Heavy electrical equipment 0.68 79.6 0.47% 0.00% 0.96% (Sep 2024) 0.52% (Aug 2025) 11.00 k 0.00 Small Cap 12.54
# Sonata Software Ltd. Computers - software & consulting 6.51 77.9 0.46% 0.00% 0.55% (Nov 2024) 0.31% (Mar 2025) 2.25 L 0.00 Small Cap 12.54
# Procter & Gamble Health Ltd. Pharmaceuticals 4.56 75.7 0.45% 0.00% 0.46% (Aug 2025) 0.38% (Apr 2025) 12.00 k 0.00 Small Cap 12.54
# Bayer Cropscience Ltd. Pesticides & agrochemicals 0.43 72.2 0.43% 0.00% 0.63% (Oct 2024) 0.44% (Apr 2025) 15.00 k 0.00 Mid Cap 5.2
# Bajaj Electricals Ltd. Household appliances 1.03 70.9 0.42% 0.00% 0.78% (Sep 2024) 0.44% (Apr 2025) 1.30 L 0.00 Small Cap 12.54
# Mahindra & Mahindra Ltd. Passenger cars & utility vehicles 3.27 68.5 0.41% 0.00% 1.15% (Sep 2024) 0.48% (Aug 2025) 20.00 k -5.00 k Large Cap 41.02
# Equitas Small Finance Bank Ltd. Other bank 0.39 66 0.39% 0.00% 0.55% (Sep 2024) 0.35% (Aug 2025) 11.55 L 0.00 Other 12.02
# Finolex Industries Ltd. Plastic products - industrial 0.36 60 0.36% 0.00% 0.58% (Oct 2024) 0.33% (Apr 2025) 3.00 L 0.00 Other 12.02
# Tamil Nadu Newsprint & Papers Ltd. Paper & paper products 0.33 55.4 0.33% 0.00% 0.42% (Dec 2024) 0.28% (Mar 2025) 3.50 L 0.00 Small Cap 12.54
# PVR Inox Ltd. Film production, distribution & exhibition 0.32 53.8 0.32% 0.00% 0.52% (Sep 2024) 0.29% (Jun 2025) 50.00 k 0.00 Small Cap 12.54
# Mahindra Holidays & Resorts India Ltd. Hotels & resorts 0.3 50 0.30% 0.00% 0.34% (Oct 2024) 0.26% (Mar 2025) 1.42 L 0.00 Small Cap 12.54
# GNA Axles Ltd. Auto components & equipments 2.79 49.4 0.29% 0.00% 0.45% (Sep 2024) 0.29% (Jul 2025) 1.60 L 0.00 Small Cap 12.54
# Wipro Ltd. Computers - software & consulting 6.51 47.9 0.28% 0.00% 0.8% (Jan 2025) 0.3% (May 2025) 2.00 L 0.00 Large Cap 41.02
# Timken India Ltd. Abrasives & bearings 0.89 45.2 0.27% 0.00% 0.35% (Sep 2024) 0.23% (Apr 2025) 15.00 k 0.00 Small Cap 12.54
# Cyient Ltd. It enabled services 0.24 40.1 0.24% 0.00% 0.47% (Nov 2024) 0.25% (Aug 2025) 35.00 k 0.00 Small Cap 12.54
# KEC International Ltd. Heavy electrical equipment 0.68 34.9 0.21% 0.00% 0.39% (Sep 2024) 0.17% (Apr 2025) 40.00 k 0.00 Small Cap 12.54
# Popular Vehicles and Services Ltd. Auto dealer 0.21 35 0.21% 0.00% 0.32% (Sep 2024) 0.15% (Apr 2025) 2.41 L 0.00 Other 12.02
# Rolex Rings Private Ltd. Auto components & equipments 2.79 25.9 0.15% 0.00% 0.47% (Sep 2024) 0.16% (Aug 2025) 20.00 k 0.00 Other 12.02
# Nilkamal Ltd. Plastic products - consumer 0.14 23.3 0.14% 0.00% 0.19% (Oct 2024) 0.14% (Aug 2025) 15.00 k 0.00 Small Cap 12.54
Torrent Pharmaceuticals Ltd. Pharmaceuticals 4.56 35.6 0.00% -0.21% - - - - Mid Cap 5.2
- indicates change in weight in the portfolio. # indicates a new entry.

New Stocks added in Portfolio (in 1 month period ending 30th Sep,2025)

Stock Invested in Sector Value(Mn) % of Total Holdings 1M Change 1Y Highest Holding 1Y Lowest Holding Quantity 1M Change in Qty
# Alkem Laboratories Ltd. Pharmaceuticals 162.8 0.97% 0.97% 0% (Oct 2025) 0% (Oct 2025) 30.00 k 30000
# Bond - Bajaj Finance Ltd. Non banking financial company (nbfc) 716.1 4.26% 4.26% 0% (Oct 2025) 0% (Oct 2025) 7.00 k 7000

Stocks removed from Portfolio (in 1 month period ending 30th Sep,2025)

Stock Invested in Sector Value(Mn) % of Total Holdings 1M Change 1Y Highest Holding 1Y Lowest Holding Quantity 1M Change in Qty
Torrent Pharmaceuticals Ltd. Pharmaceuticals 35.6 0.00% -0.21% 0.84% (Sep 2024) 0.19% (May 2025) 0.00 -10000

Trend in stock holdings (Top 15 Holding)

Stock Sep 2025 Aug 2025 Jul 2025 Jun 2025 May 2025 Apr 2025 Mar 2025 Feb 2025 Jan 2025 Dec 2024 Nov 2024 Oct 2024 Sep 2024
HDFC Bank Ltd. 6.79% 6.88% 7.24% 7.07% 7.04% 7.18% 7.00% 7.00% 6.57% 6.73% 6.81% 6.60% 5.90%
ICICI Bank Ltd. 5.61% 5.90% 6.20% 5.96% 6.11% 6.21% 6.02% 5.67% 5.65% 5.68% 5.75% 5.74% 5.52%
Reliance Industries Ltd. 3.25% 3.27% 3.32% 3.53% 3.43% 3.50% 3.26% 2.83% 2.85% 2.31% 2.45% 2.53% 2.74%
Axis Bank Ltd. 2.69% 2.52% 2.55% 2.82% 2.88% 2.95% 2.81% 2.73% 2.54% 2.69% 2.87% 2.94% 2.67%
State Bank Of India 2.60% 2.42% 2.38% 2.42% 2.45% 2.45% 2.46% 2.32% 2.49% 2.51% 2.65% 2.60% 2.44%
Bharti Airtel Ltd. 2.24% 2.28% 2.29% 2.37% 2.24% 2.32% 2.49% 2.38% 2.62% 2.51% 2.57% 2.56% 2.65%
Kotak Mahindra Bank Ltd. 2.25% 2.24% 2.25% 2.42% 2.38% 2.61% 2.63% 2.43% 2.33% 1.92% 1.90% 1.87% 1.95%
Infosys Ltd. 2.14% 1.83% 1.87% 1.95% 1.95% 1.93% 2.07% 2.35% 2.51% 2.46% 2.43% 2.31% 2.40%
Maruti Suzuki India Ltd. 2.86% 2.67% 2.26% 2.19% 2.23% 2.29% 2.21% 2.41% 1.98% 1.72% 1.75% 1.41% 1.64%
Larsen & Toubro Ltd. 1.63% 1.95% 1.96% 1.94% 2.00% 1.87% 2.01% 1.92% 2.07% 2.05% 2.12% 2.07% 2.05%
HCL Technologies Limited 1.65% 1.75% 1.54% 1.78% 1.73% 1.71% 1.78% 1.86% 1.95% 2.12% 2.04% 1.96% 1.95%
ITC Limited 1.67% 1.73% 1.72% 1.72% 1.77% 1.85% 1.83% 1.60% 1.73% 1.84% 1.81% 1.86% 1.93%
Tata Consultancy Services Ltd. 1.98% 2.14% 2.09% 2.04% 1.46% 1.50% 1.61% 1.17% - - - - -
Cipla Ltd. 1.79% 1.92% 1.86% 1.55% 1.33% 1.45% 1.38% 1.42% 1.43% 1.45% 1.45% 1.48% 1.54%
Bajaj Auto Ltd. 1.29% 1.30% 1.20% 1.23% 1.30% 1.25% 1.26% 1.33% 1.14% 1.11% 1.14% 1.25% 1.53%
No of Debt Holding 12 (Category Avg - 8.55) | Modified Duration 2.59 Years (Category Avg - 5.44)| Yield to Maturity 6.15% (Category Avg - 6.72%)

Portfolio Summary (as on 30th Sep,2025)

Security Type % Weight Category Average
GOI 9.32% 23.75%
T-Bills 0.00% 0.00%
NCD & Bonds 8.47% 9.04%
PTC 0.00% 0.34%
Category - Retirement Fund
Security Type % Weight Category Average
Government Backed 9.32% 23.76%
Low Risk 8.47% 9.39%
Moderate Risk 0.00% 0.00%
High Risk 0.00% 0.00%
Very High Risk 0.00% 0.00%
Others 0.00% 0.00%
Category - Retirement Fund

Debt holding in Portfolio (as on 30th Sep,2025)

Instrument
Type
Sector
Rating
Rating Agency
Value (Mn)
% of Total Holding
Quantity
Bond - Bajaj Finance Ltd. NCD & Bonds Non banking financial company (nbfc) AAA CRISIL 716.10 4.26% 7.00 k
Bond - Govt of India GOI Other 312.15 1.86% 30.00 L
Bond - Govt of India GOI Other 305.40 1.82% 31.00 L
Bond - Govt of India GOI Other 258.24 1.54% 25.00 L
Bond - Govt of India GOI Other 257.18 1.53% 25.00 L
Bond - Bajaj Housing Finance Ltd. NCD & Bonds Housing finance company AAA CRISIL 250.33 1.49% 2.50 k
Bond - Muthoot Finance Pvt. Ltd. NCD & Bonds Non banking financial company (nbfc) LAA+ ICRA 250.66 1.49% 2.50 k
Bond - Govt of India GOI Other 207.41 1.23% 20.00 L
Bond - Mahindra Rural Housing Finance Ltd. NCD & Bonds Housing finance company AA+ FITCH 153.99 0.92% 150.00
Bond - Govt of India GOI Other 131.86 0.78% 12.50 L
Bond - Govt of India GOI Other 94.34 0.56% 10.00 L
Bond - Power Grid Corporation of India Ltd. NCD & Bonds Power - transmission AAA CRISIL 51.48 0.31% 50.00
Name Type of Instrument Weight (%)
TREPS TREPS 10.09%
Embassy Office Parks Reit InvITs 0.88%
Net Receivables Net Receivables 0.46%

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