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

  • Regular
  • Direct
Category : Retirement Fund
Fund House : HDFC Mutual Fund
  • NAV
    : ₹ 28.681 1.2%
    (as on 25th January, 2022)
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Crisil Rank

Not Ranked

Rank not available for the fund
Risk-O-Meter
Very High

Fund has 90.15% investment in indian stocks of which 33.11% is in large cap stocks, 8.09% is in mid cap stocks, 37.98% in small cap stocks.Fund has 2.57% investment in Debt of which 1.72% in Government securities, 0.85% in funds invested in very low risk securities..

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Returns (NAV as on 24th January, 2022)

Period Invested for ₹10000 Invested on Latest Value Absolute Returns Annualised Returns Category Avg Rank within Category
1 Week 17-Jan-22 9353.10 -6.47% - -3.47% 26/28
1 Month 24-Dec-21 9922.60 -0.77% - -0.20% 22/28
3 Month 22-Oct-21 9651.60 -3.48% - -1.75% 22/28
6 Month 23-Jul-21 10384.00 3.84% - 4.44% 13/28
YTD 31-Dec-21 9772.80 -2.27% - -1.40% 23/28
1 Year 22-Jan-21 13488.80 34.89% 34.67% 13.08% 2/24
2 Year 24-Jan-20 16024.00 60.24% 26.55% 12.72% 1/24
3 Year 24-Jan-19 17494.90 74.95% 20.47% 12.54% 1/13
5 Year 24-Jan-17 21490.90 114.91% 16.52% 10.94% 1/13
Since Inception 26-Feb-16 28351.30 183.51% 19.26% 12.61% 4/30

SIP Returns (NAV as on 24th January, 2022)

Period Invested for ₹1000 SIP Started on Investments Latest Value Absolute Returns Annualised Returns
1 Year 22-Jan-21 12000 13417.95 11.82 % 22.44 %
2 Year 24-Jan-20 24000 34850.34 45.21 % 40.4 %
3 Year 24-Jan-19 36000 55223.32 53.4 % 29.78 %
5 Year 24-Jan-17 60000 98192.14 63.65 % 19.77 %
 

Tax Treatment

If sold after 1 year from purchase date, long term capital gain tax will be applicable. Current tax rate is 10%, if your total long term capital gain exceeds 1 lakh. Any cess/surcharge is not included.|If sold before 1 year from purchase date, short term capital gain tax will be applicable. Current tax rate is 15%. Any cess/surcharge is not included in the 15%.

Portfolio (Updated on 31st Dec,2021)

Portfolio Turnover Ratio : 11.00%  |   Category average turnover ratio is 54.70%  
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 : 90.15% | F&O Holdings : 0.00%| Foreign Equity Holdings : 0.00%| Total : 90.15%
No of Stocks : 63 (Category Avg - 38.04) | Large Cap Investments : 33.11%| Mid Cap Investments : 8.09% | Small Cap Investments : 37.98% | Other : 10.97%

Top 10 Stocks in Portfolio

How to read this table?
Stock Invested in Sector Value(Mn) % of Total Holdings 1M Change 1Y Highest Holding 1Y Lowest Holding Quantity 1M Change in Qty
Infosys Ltd. Computers - software 919.7 4.53% 0.27% 4.83% (Jan 2021) 4.12% (Oct 2021) 4.87 L 0.00
HDFC Bank Ltd. Banks 861 4.24% -0.20% 6.48% (Jan 2021) 4.24% (Dec 2021) 5.82 L 0.00
- ICICI Bank Ltd. Banks 858.6 4.23% 0.00% 5.02% (Feb 2021) 4.23% (Dec 2021) 11.60 L 0.00
Reliance Industries Ltd. Refineries/marketing 838.3 4.13% -0.22% 5.34% (Feb 2021) 4.06% (Jul 2021) 3.54 L 0.00
Larsen & Toubro Ltd. Engineering, designing, construction 663.6 3.27% 0.12% 3.74% (Jan 2021) 3.1% (Sep 2021) 3.50 L 0.00
Housing Development Finance Corporation Ltd. Housing finance 633.7 3.12% -0.22% 4.66% (Jan 2021) 3.12% (Dec 2021) 2.45 L 0.00
Radico Khaitan Ltd. Brew/distilleries 559 2.76% 0.17% 2.76% (Dec 2021) 1.73% (May 2021) 4.52 L 0.00
Transport Corporation Of India Ltd. Logistics solution provider 479.1 2.36% 0.11% 2.36% (Dec 2021) 1.07% (Feb 2021) 6.42 L 0.00
Bajaj Electricals Ltd. Home appliances 475.7 2.34% 0.40% 2.84% (Apr 2021) 1.94% (Nov 2021) 3.70 L 17.00 k
Cyient Ltd. It enabled services – software 434.8 2.14% -0.06% 2.36% (Jul 2021) 1.98% (Mar 2021) 4.25 L 0.00
- indicates change in weight in the portfolio. # indicates a new entry.
No of Debt Holding 2 (Category Avg - 12.48) | Modified Duration 2.64 Years (Category Avg - 3.64)| Yield to Maturity - -- (Category Avg - 5.57%)

Type of Holdings

Security Type
% Weight
Category Average
GOI 1.72% 24.48%
T-Bills 0.00% 0.76%
CP 0.00% 0.88%
NCD & Bonds 0.85% 15.04%

Investment / Portfolio Grades

Security Type
% Weight
Category Average
Government Backed 1.72% 25.24%
Low Risk 0.85% 15.79%
Moderate Risk 0.00% 0.00%
High Risk 0.00% 0.00%
Very High Risk 0.00% 0.00%
Others 0.00% 0.00%
Name Type of Instrument Weight (%)
TREPS TREPS 5.70%
Reverse Repo Reverse Repo 1.61%
Net Receivables Net Receivables -0.03%

Risk Ratios

Ratios calculated on daily returns for last 3 years (Updated as on 31st December, 2021)

  • Standard Deviation

    High volatility
    18.03vs7.88
    Category Avg
  • Beta

    High volatility
    0.85vs0.48
    Category Avg
  • Sharpe Ratio

    Better risk adjusted returns
    0.95vs0.58
    Category Avg
  • Treynor's Ratio

    Poor risk adjusted returns
    0.2vs0.25
    Category Avg
  • Jension's Alpha

    Better risk adjusted returns
    3.57vs-0.23
    Category Avg

Alternative Funds (Category Peers)

Scheme Name
Crisil Rank
Asset Size (Cr)
1M
3M
6M
1Y
3Y
ICICI Prudential Retirement Fund - Pure Equity Plan - Regular Plan - Growth NA 144.91 2.26 7.05 21.44 40.31 0.00
Nippon India Retirement Fund - Wealth Creation Scheme - Growth NA 2368.41 0.43 -3.81 8.60 27.76 12.28
HDFC Retirement Savings Fund - Hybrid- Equity Plan - Regular Plan- Growth NA 779.15 0.24 -1.57 3.12 21.90 15.98
ICICI Prudential Retirement Fund - Hybrid Aggressive Plan - Regular Plan - Growth NA 139.58 0.07 -1.12 9.28 21.45 0.00
Axis Retirement Savings Fund - Dynamic Plan - Regular Plan - Growth NA 299.24 -0.22 -2.41 5.76 18.59 0.00
Tata Retirement Savings Fund - Regular Plan - Progressive Plan - Growth NA 1243.68 -1.36 -5.28 3.75 17.70 16.15
UTI Retirement Benefit Pension Fund NA 3592.26 0.82 -1.37 5.31 16.65 9.98
Tata Retirement Savings Fund - Regular Plan - Moderate Plan - Growth NA 1628.91 -0.84 -3.92 4.65 16.29 14.59
Axis Retirement Savings Fund - Aggressive Plan - Regular Plan - Growth NA 665.58 -1.43 -4.65 1.47 13.19 0.00
Aditya Birla Sun Life Retirement Fund - The 30s Plan - Growth NA 236.19 0.56 -3.08 1.64 10.99 0.00

More Funds from HDFC Mutual Fund

Out of 91 mutual fund schemes offered by this AMC, 3 is/are ranked 5 * , 8 is/are ranked 4 * , 11 is/are ranked 3 * , 9 is/are ranked 2 * , 4 is/are ranked 1 * , and 56 schemes are not ranked. See more about AMC

Scheme Name
Crisil Rank
Asset Size (Cr)
1M
3M
6M
1Y
3Y
HDFC Liquid Fund - Growth 2 53137.01 0.28 0.85 1.66 3.26 4.51
HDFC Balanced Advantage Fund - Growth 4 41282.13 2.88 -2.32 6.16 25.41 14.37
HDFC Mid-Cap Opportunities Fund - Growth 2 31441.67 0.99 -3.08 5.44 33.39 20.03
HDFC Corporate Bond Fund - Growth 4 28108.67 0.01 0.56 1.93 4.05 8.41
HDFC Flexi Cap Fund - Growth 2 26628.02 3.18 -3.17 9.63 32.54 16.45
HDFC Floating Rate Debt Fund -Growth 3 23584.18 0.42 0.65 1.91 4.34 7.15
HDFC Top 100 Fund - Growth 1 20965.66 2.03 -4.59 8.20 23.63 13.88
HDFC Top 100 Fund - Growth 1 20965.66 0.49 -5.34 8.10 21.08 17.56
HDFC Low Duration Fund - Retail - Growth 3 19526.67 0.31 0.71 1.72 3.74 6.46
HDFC Hybrid Equity Fund - Growth (Adjusted NAV) NA 18447.88 1.24 -2.50 5.11 22.62 15.50

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