Hdfc Retirement Savings Fund - Equity Plan Overview
Category Retirement Fund
BMSMONEY Rank 3
BMSMONEY Rating
Gro. Opt. As On: 02-12-2024
NAV ₹49.75(R) +0.28% ₹56.0(D) +0.29%
Returns 1Y 3Y 5Y 7Y 10Y
LumpSum (R) 24.12% 19.9% 23.82% 16.84% -%
LumpSum (D) 25.51% 21.33% 25.32% 18.34% -%
SIP (R) 14.85% 24.06% 25.84% 22.2% -%
SIP (D) 16.16% 25.5% 27.36% 23.64% -%
Ratio Sharpe Ratio Sortino Ratio Sterling Ratio Jensen's Alpha Treynor Ratio
1.13 0.61 1.18 6.85% 0.16
Risk STD. Dev VaR 1Y95% Max DD Beta Semi Devi.
11.06% -13.03% -7.05% 0.8 7.81%
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
Nippon India Retirement Fund - Wealth Creation Scheme 4
Tata Retirement Savings Fund-Moderate Plan 5
Tata Retirement Savings Fund-Progressive Plan 6

NAV Date: 02-12-2024

Scheme Name NAV Rupee Change Percent Change
HDFC Retirement Savings Fund - Equity Plan - Growth Option 49.75
0.1400
0.2800%
HDFC Retirement Savings Fund - Equity Plan - Growth Option - Direct Plan 56.0
0.1600
0.2900%

Review Date: 02-12-2024

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 24.12% in 1 year, 19.9% in 3 years and 23.82% in 5 years. The category average for the same periods is 19.01%, 11.73% and 12.83% respectively, which shows very good return performance of fund in the category. The fund has exhibited standard deviation of 11.06, VaR of -13.03, Average Drawdown of -3.73, Semi Deviation of 7.81 and Max Drawdown of -7.05. The category average for the same parameters is 7.85, -8.9, -3.26, 5.5 and -6.98 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 ₹12551.0 in 1 year, ₹17860.0 in 3 years and ₹30916.0 in 5 years as of today (02-12-2024).
  2. An SIP of ₹1,000 per month in Hdfc Retirement Savings Fund - Equity Plan direct growth option would have grown to ₹13025.0 in 1 year, ₹52103.0 in 3 years and ₹117872.0 in 5 years as of today (02-12-2024).
  3. standard deviation of 11.06 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 1.13 which shows very good performance of fund in the retirement fund category.
  5. The fund has R-square of 0.94, Beta of 0.8 and Jensen's Alpha of 6.85% which exhibit very good performance in the retirement fund category .


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KPIs* Fund Benchmark Cat. Avg Min | Max Rank (In Cat.) Performance
1M Return % 0.34
1.27
0.34 | 3.02 29 | 29 Poor
3M Return % -3.54
-0.54
-3.54 | 1.77 29 | 29 Poor
6M Return % 6.06
6.02
3.20 | 12.55 13 | 29 Good
1Y Return % 24.12
19.01
6.59 | 34.27 8 | 27 Good
3Y Return % 19.90
11.73
3.96 | 20.93 2 | 25 Very Good
5Y Return % 23.82
12.83
4.04 | 23.93 2 | 18 Very Good
7Y Return % 16.84
10.75
7.26 | 16.84 1 | 10 Very Good
1Y SIP Return % 14.85
13.84
6.44 | 22.96 11 | 27 Good
3Y SIP Return % 24.06
16.21
5.37 | 29.18 4 | 25 Very Good
5Y SIP Return % 25.84
14.94
4.39 | 28.90 2 | 18 Very Good
7Y SIP Return % 22.20
13.71
7.92 | 22.20 1 | 10 Very Good
Standard Deviation 11.06
7.85
1.23 | 13.56 17 | 25 Average
Semi Deviation 7.81
5.50
0.98 | 9.65 17 | 25 Average
Max Drawdown % -7.05
-6.98
-15.04 | -0.64 15 | 25 Average
VaR 1 Y % -13.03
-8.90
-17.51 | -0.93 18 | 25 Average
Average Drawdown % -3.73
-3.26
-7.29 | -0.64 16 | 25 Average
Sharpe Ratio 1.13
0.39
-1.71 | 1.13 1 | 25 Very Good
Sterling Ratio 1.18
0.69
0.33 | 1.18 1 | 25 Very Good
Sortino Ratio 0.61
0.23
-0.47 | 0.61 1 | 25 Very Good
Jensen Alpha % 6.85
3.02
-0.57 | 6.85 1 | 6 Very Good
Treynor Ratio 0.16
0.11
0.07 | 0.16 1 | 6 Very Good
Modigliani Square Measure % 24.42
18.73
14.20 | 24.42 1 | 6 Very Good
Alpha % 3.61
0.97
-2.31 | 4.13 2 | 6 Very Good
Return data last Updated On : Dec. 2, 2024.
Other parameters, fund ranking, non return related analysis are updated after every month end. Last Updated On : Nov. 29, 2024
KPIs: Key Performance Indicators

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KPIs* Fund Benchmark Cat. Avg Min | Max Rank (In Cat.) Performance
1M Return % 0.43 1.36 0.43 | 3.09 29 | 29
3M Return % -3.27 -0.24 -3.27 | 2.02 29 | 29
6M Return % 6.64 6.65 3.84 | 13.37 13 | 29
1Y Return % 25.51 20.39 7.84 | 36.23 8 | 27
3Y Return % 21.33 13.06 5.24 | 22.65 2 | 25
5Y Return % 25.32 14.25 5.37 | 25.77 2 | 18
7Y Return % 18.34 12.03 8.50 | 18.34 1 | 10
1Y SIP Return % 16.16 15.18 7.70 | 24.59 11 | 27
3Y SIP Return % 25.50 17.55 6.63 | 30.97 4 | 25
5Y SIP Return % 27.36 16.33 5.67 | 30.71 2 | 18
7Y SIP Return % 23.64 14.97 9.11 | 23.64 1 | 10
Standard Deviation 11.06 7.85 1.23 | 13.56 17 | 25
Semi Deviation 7.81 5.50 0.98 | 9.65 17 | 25
Max Drawdown % -7.05 -6.98 -15.04 | -0.64 15 | 25
VaR 1 Y % -13.03 -8.90 -17.51 | -0.93 18 | 25
Average Drawdown % -3.73 -3.26 -7.29 | -0.64 16 | 25
Sharpe Ratio 1.13 0.39 -1.71 | 1.13 1 | 25
Sterling Ratio 1.18 0.69 0.33 | 1.18 1 | 25
Sortino Ratio 0.61 0.23 -0.47 | 0.61 1 | 25
Jensen Alpha % 6.85 3.02 -0.57 | 6.85 1 | 6
Treynor Ratio 0.16 0.11 0.07 | 0.16 1 | 6
Modigliani Square Measure % 24.42 18.73 14.20 | 24.42 1 | 6
Alpha % 3.61 0.97 -2.31 | 4.13 2 | 6
Return data last Updated On : Dec. 2, 2024.
Other parameters, fund ranking, non return related analysis are updated after every month end. Last Updated On : Nov. 29, 2024
KPIs: Key Performance Indicators

Investment Period Regular Direct
Return % Current Value of ₹ 10000 Return % Current Value of ₹ 10000
1D 0.28 ₹ 10,028.00 0.29 ₹ 10,029.00
1W 0.56 ₹ 10,056.00 0.59 ₹ 10,059.00
1M 0.34 ₹ 10,034.00 0.43 ₹ 10,043.00
3M -3.54 ₹ 9,646.00 -3.27 ₹ 9,673.00
6M 6.06 ₹ 10,606.00 6.64 ₹ 10,664.00
1Y 24.12 ₹ 12,412.00 25.51 ₹ 12,551.00
3Y 19.90 ₹ 17,238.00 21.33 ₹ 17,860.00
5Y 23.82 ₹ 29,108.00 25.32 ₹ 30,916.00
7Y 16.84 ₹ 29,724.00 18.34 ₹ 32,500.00
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 14.85 ₹ 12,943.76 16.16 ₹ 13,025.50
3Y ₹ 36000 24.06 ₹ 51,089.72 25.50 ₹ 52,103.30
5Y ₹ 60000 25.84 ₹ 113,662.80 27.36 ₹ 117,872.16
7Y ₹ 84000 22.20 ₹ 185,303.58 23.64 ₹ 195,063.54
10Y ₹ 120000 ₹ ₹
15Y ₹ 180000 ₹ ₹


Date Hdfc Retirement Savings Fund - Equity Plan NAV Regular Growth Hdfc Retirement Savings Fund - Equity Plan NAV Direct Growth
02-12-2024 49.752 55.998
29-11-2024 49.614 55.837
28-11-2024 49.223 55.396
27-11-2024 49.629 55.851
26-11-2024 49.491 55.694
25-11-2024 49.473 55.672
22-11-2024 48.871 54.99
21-11-2024 48.207 54.241
19-11-2024 48.446 54.506
18-11-2024 48.266 54.303
14-11-2024 48.528 54.591
13-11-2024 48.364 54.405
12-11-2024 49.249 55.399
11-11-2024 49.813 56.031
08-11-2024 49.952 56.183
07-11-2024 50.3 56.573
06-11-2024 50.636 56.949
05-11-2024 50.044 56.281
04-11-2024 49.582 55.76

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.