Hdfc Retirement Savings Fund - Equity Plan Overview
Category Retirement Fund
BMSMONEY Rank 3
BMSMONEY Rating
Gro. Opt. As On: 14-01-2025
NAV ₹47.51(R) +0.57% ₹53.54(D) +0.57%
Returns 1Y 3Y 5Y 7Y 10Y
LumpSum (R) 11.06% 16.2% 21.96% 15.03% -%
LumpSum (D) 12.3% 17.57% 23.44% 16.5% -%
SIP (R) 1.74% 19.57% 21.88% 20.07% -%
SIP (D) 2.9% 20.97% 23.37% 21.51% -%
Ratio Sharpe Ratio Sortino Ratio Sterling Ratio Jensen's Alpha Treynor Ratio
1.01 0.54 1.05 6.89% 0.14
Risk STD. Dev VaR 1Y95% Max DD Beta Semi Devi.
11.22% -13.03% -8.05% 0.8 7.86%
Top Retirement Fund
Fund Name Rank Rating
Icici Prudential Retirement Fund - Pure Equity Plan 1
Icici Prudential Retirement Fund - Hybrid Aggressive Plan 2
Hdfc Retirement Savings Fund - Equity Plan 3
Tata Retirement Savings Fund-Moderate Plan 4
Tata Retirement Savings Fund-Progressive Plan 5
Nippon India Retirement Fund - Wealth Creation Scheme 6

NAV Date: 14-01-2025

Scheme Name NAV Rupee Change Percent Change
HDFC Retirement Savings Fund - Equity Plan - Growth Option 47.51
0.2700
0.5700%
HDFC Retirement Savings Fund - Equity Plan - Growth Option - Direct Plan 53.54
0.3000
0.5700%

Review Date: 14-01-2025

Hdfc Retirement Savings Fund - Equity Plan has shown very good performance in the Retirement Fund category. The fund has rank of 3 out of 25 funds in the category. The fund has delivered return of 11.06% in 1 year, 16.2% in 3 years and 21.96% in 5 years. The category average for the same periods is 9.72%, 9.63% and 11.68% respectively, which shows very good return performance of fund in the category. The fund has exhibited standard deviation of 11.22, VaR of -13.03, Average Drawdown of -4.06, Semi Deviation of 7.86 and Max Drawdown of -8.05. The category average for the same parameters is 7.95, -8.96, -3.54, 5.55 and -7.43 respectively. The fund has average risk in the category.

Key Points:

  1. An investment of ₹10,000 in Hdfc Retirement Savings Fund - Equity Plan direct growth option would have grown to ₹11230.0 in 1 year, ₹16251.0 in 3 years and ₹28654.0 in 5 years as of today (14-01-2025).
  2. An SIP of ₹1,000 per month in Hdfc Retirement Savings Fund - Equity Plan direct growth option would have grown to ₹12188.0 in 1 year, ₹48958.0 in 3 years and ₹107152.0 in 5 years as of today (14-01-2025).
  3. standard deviation of 11.22 and based on VaR one can expect to lose more than -13.03% of current value of fund in one year.
  4. Sharpe ratio of the fund is 1.01 which shows very good performance of fund in the retirement fund category.
  5. The fund has R-square of 0.95, Beta of 0.8 and Jensen's Alpha of 6.89% which exhibit very good performance in the retirement fund category .


Not able to see in mobile!!! save the chart by clicking on camera icon.

KPIs* Fund Benchmark Cat. Avg Min | Max Rank (In Cat.) Performance
1M Return % -6.73
-5.09
-9.60 | 0.21 20 | 29 Average
3M Return % -7.68
-4.97
-10.00 | 1.11 22 | 29 Average
6M Return % -4.89
-2.11
-7.98 | 3.30 23 | 29 Average
1Y Return % 11.06
9.72
5.65 | 17.32 10 | 27 Good
3Y Return % 16.20
9.63
4.13 | 16.85 2 | 25 Very Good
5Y Return % 21.96
11.68
4.08 | 21.96 1 | 21 Very Good
7Y Return % 15.03
9.55
6.69 | 15.03 1 | 10 Very Good
1Y SIP Return % 1.74
3.42
-3.43 | 8.00 19 | 27 Average
3Y SIP Return % 19.57
11.35
1.23 | 22.30 2 | 25 Very Good
5Y SIP Return % 21.88
11.23
1.48 | 23.60 2 | 21 Very Good
7Y SIP Return % 20.07
11.91
6.29 | 20.07 1 | 10 Very Good
Standard Deviation 11.22
7.95
1.17 | 13.76 17 | 25 Average
Semi Deviation 7.86
5.55
0.94 | 9.72 17 | 25 Average
Max Drawdown % -8.05
-7.43
-16.28 | -0.64 16 | 25 Average
VaR 1 Y % -13.03
-8.96
-17.51 | -0.28 18 | 25 Average
Average Drawdown % -4.06
-3.54
-7.99 | -0.53 16 | 25 Average
Sharpe Ratio 1.01
0.32
-1.67 | 1.01 1 | 25 Very Good
Sterling Ratio 1.05
0.64
0.34 | 1.05 1 | 25 Very Good
Sortino Ratio 0.54
0.19
-0.46 | 0.54 1 | 25 Very Good
Jensen Alpha % 6.89
3.27
-0.01 | 6.89 1 | 6 Very Good
Treynor Ratio 0.14
0.10
0.06 | 0.14 1 | 6 Very Good
Modigliani Square Measure % 22.88
17.45
13.32 | 22.88 1 | 6 Very Good
Alpha % 4.03
1.43
-1.42 | 4.68 2 | 6 Very Good
Return data last Updated On : Jan. 14, 2025.
Other parameters, fund ranking, non return related analysis are updated after every month end. Last Updated On : Dec. 31, 2024
KPIs: Key Performance Indicators

Rotate the phone! Best viewed in landscape mode on mobile.
KPIs* Fund Benchmark Cat. Avg Min | Max Rank (In Cat.) Performance
1M Return % -6.66 -5.00 -9.51 | 0.28 20 | 29
3M Return % -7.43 -4.68 -9.69 | 1.36 22 | 29
6M Return % -4.37 -1.51 -7.47 | 3.82 23 | 29
1Y Return % 12.30 10.99 6.85 | 18.89 9 | 27
3Y Return % 17.57 10.92 5.42 | 18.50 2 | 25
5Y Return % 23.44 13.14 5.41 | 23.44 1 | 21
7Y Return % 16.50 10.81 8.01 | 16.50 1 | 10
1Y SIP Return % 2.90 4.65 -2.29 | 9.54 19 | 27
3Y SIP Return % 20.97 12.65 2.42 | 24.05 3 | 25
5Y SIP Return % 23.37 12.65 2.74 | 25.36 2 | 21
7Y SIP Return % 21.51 13.17 7.51 | 21.51 1 | 10
Standard Deviation 11.22 7.95 1.17 | 13.76 17 | 25
Semi Deviation 7.86 5.55 0.94 | 9.72 17 | 25
Max Drawdown % -8.05 -7.43 -16.28 | -0.64 16 | 25
VaR 1 Y % -13.03 -8.96 -17.51 | -0.28 18 | 25
Average Drawdown % -4.06 -3.54 -7.99 | -0.53 16 | 25
Sharpe Ratio 1.01 0.32 -1.67 | 1.01 1 | 25
Sterling Ratio 1.05 0.64 0.34 | 1.05 1 | 25
Sortino Ratio 0.54 0.19 -0.46 | 0.54 1 | 25
Jensen Alpha % 6.89 3.27 -0.01 | 6.89 1 | 6
Treynor Ratio 0.14 0.10 0.06 | 0.14 1 | 6
Modigliani Square Measure % 22.88 17.45 13.32 | 22.88 1 | 6
Alpha % 4.03 1.43 -1.42 | 4.68 2 | 6
Return data last Updated On : Jan. 14, 2025.
Other parameters, fund ranking, non return related analysis are updated after every month end. Last Updated On : Dec. 31, 2024
KPIs: Key Performance Indicators

Investment Period Regular Direct
Return % Current Value of ₹ 10000 Return % Current Value of ₹ 10000
1D 0.57 ₹ 10,057.00 0.57 ₹ 10,057.00
1W -3.39 ₹ 9,661.00 -3.37 ₹ 9,663.00
1M -6.73 ₹ 9,327.00 -6.66 ₹ 9,334.00
3M -7.68 ₹ 9,232.00 -7.43 ₹ 9,257.00
6M -4.89 ₹ 9,511.00 -4.37 ₹ 9,563.00
1Y 11.06 ₹ 11,106.00 12.30 ₹ 11,230.00
3Y 16.20 ₹ 15,690.00 17.57 ₹ 16,251.00
5Y 21.96 ₹ 26,988.00 23.44 ₹ 28,654.00
7Y 15.03 ₹ 26,650.00 16.50 ₹ 29,124.00
10Y ₹ ₹
15Y ₹ ₹

Disclaimer: Past performance may or may not be sustained in future and should not be used as a basis for comparison with other investments. Returns for periods above 1 year are annualised.

Investment Period Invested Amount Regular Direct
XIRR % Current Value of Invested Amount XIRR % Current Value of Invested Amount
1Y ₹ 12000 1.74 ₹ 12,113.32 2.90 ₹ 12,188.11
3Y ₹ 36000 19.57 ₹ 48,008.74 20.97 ₹ 48,957.95
5Y ₹ 60000 21.88 ₹ 103,376.28 23.37 ₹ 107,152.44
7Y ₹ 84000 20.07 ₹ 171,865.51 21.51 ₹ 180,909.29
10Y ₹ 120000 ₹ ₹
15Y ₹ 180000 ₹ ₹


Date Hdfc Retirement Savings Fund - Equity Plan NAV Regular Growth Hdfc Retirement Savings Fund - Equity Plan NAV Direct Growth
14-01-2025 47.509 53.538
13-01-2025 47.242 53.236
10-01-2025 48.155 54.259
09-01-2025 48.595 54.754
08-01-2025 48.907 55.105
07-01-2025 49.177 55.407
06-01-2025 48.936 55.133
03-01-2025 49.799 56.101
02-01-2025 50.13 56.472
01-01-2025 49.532 55.798
31-12-2024 49.27 55.501
30-12-2024 49.075 55.28
27-12-2024 49.4 55.64
26-12-2024 49.339 55.57
24-12-2024 49.312 55.537
23-12-2024 49.209 55.419
20-12-2024 49.086 55.276
19-12-2024 49.815 56.096
18-12-2024 50.061 56.371
17-12-2024 50.388 56.738
16-12-2024 50.938 57.356

Fund Launch Date: 05/Feb/2016
Fund Category: Retirement Fund
Investment Objective: The investment objective of the Scheme is to provide longterm capital appreciation/income by investing in a mix of equity and debt instruments to help investors meet their retirement goals. There is no assurance that the investment objective of the Scheme will be realized.
Fund Description: An open ended retirement solution oriented scheme having a lock-in of 5 years or till retirement age (whichever is earlier)
Fund Benchmark: NIFTY 500 (Total Returns Index)
Source: Fund FactSheet

Disclaimer: NO INVESTMENT ADVICE. The Content is for informational purposes only.