Hdfc Retirement Savings Fund - Hybrid - Equity Plan Overview
Category Retirement Fund
BMSMONEY Rank 8
BMSMONEY Rating
Gro. Opt. As On: 29-01-2025
NAV ₹36.16(R) +0.85% ₹40.83(D) +0.85%
Returns 1Y 3Y 5Y 7Y 10Y
LumpSum (R) 8.27% 13.25% 15.55% 11.94% -%
LumpSum (D) 9.55% 14.63% 16.97% 13.38% -%
SIP (R) -1.24% 14.15% 15.96% 14.88% -%
SIP (D) -0.05% 15.54% 17.41% 16.29% -%
Ratio Sharpe Ratio Sortino Ratio Sterling Ratio Jensen's Alpha Treynor Ratio
0.76 0.4 0.8 -% -
Risk STD. Dev VaR 1Y95% Max DD Beta Semi Devi.
8.71% -7.66% -7.41% - 6.05%
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: 29-01-2025

Scheme Name NAV Rupee Change Percent Change
HDFC Retirement Savings Fund - Hybrid-Equity Plan - Growth Option 36.16
0.3000
0.8500%
HDFC Retirement Savings Fund - Hybrid-Equity Plan - Growth Option - Direct Plan 40.83
0.3400
0.8500%

Review Date: 29-01-2025

Hdfc Retirement Savings Fund - Hybrid - Equity Plan has shown good performance in the Retirement Fund category. The fund has rank of 8 out of 25 funds in the category. The fund has delivered return of 8.27% in 1 year, 13.25% in 3 years and 15.55% in 5 years. The category average for the same periods is 9.72%, 10.52% and 11.46% respectively, which shows very good return performance of fund in the category. The fund has exhibited standard deviation of 8.71, VaR of -7.66, Average Drawdown of -3.53, Semi Deviation of 6.05 and Max Drawdown of -7.41. The category average for the same parameters is 7.95, -8.96, -3.54, 5.55 and -7.43 respectively. The fund has low risk in the category.

Key Points:

  1. An investment of ₹10,000 in Hdfc Retirement Savings Fund - Hybrid - Equity Plan direct growth option would have grown to ₹10955.0 in 1 year, ₹15060.0 in 3 years and ₹21897.0 in 5 years as of today (29-01-2025).
  2. An SIP of ₹1,000 per month in Hdfc Retirement Savings Fund - Hybrid - Equity Plan direct growth option would have grown to ₹11997.0 in 1 year, ₹45351.0 in 3 years and ₹92722.0 in 5 years as of today (29-01-2025).
  3. standard deviation of 8.71 and based on VaR one can expect to lose more than -7.66% of current value of fund in one year.
  4. Sharpe ratio of the fund is 0.76 which shows very good performance of fund in the retirement fund category.


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KPIs* Fund Benchmark Cat. Avg Min | Max Rank (In Cat.) Performance
1M Return % -3.35 -4.91
-3.26
-8.16 | 0.61 16 | 29 Good
3M Return % -4.74 -6.67
-3.35
-8.02 | 1.52 18 | 29 Average
6M Return % -5.11 -8.83
-3.37
-9.51 | 3.27 19 | 29 Average
1Y Return % 8.27 8.83
9.72
6.22 | 15.79 17 | 27 Average
3Y Return % 13.25 13.65
10.52
4.32 | 18.21 5 | 25 Very Good
5Y Return % 15.55 17.46
11.46
4.11 | 21.64 4 | 21 Very Good
7Y Return % 11.94 12.89
9.42
6.68 | 14.92 2 | 10 Very Good
1Y SIP Return % -1.24
-4.95
-13.46 | 5.51 8 | 27 Good
3Y SIP Return % 14.15
11.74
3.68 | 22.41 8 | 25 Good
5Y SIP Return % 15.96
12.33
3.82 | 24.88 5 | 21 Very Good
7Y SIP Return % 14.88
11.88
6.38 | 20.05 3 | 10 Very Good
Standard Deviation 8.71
7.95
1.17 | 13.76 13 | 25 Good
Semi Deviation 6.05
5.55
0.94 | 9.72 13 | 25 Good
Max Drawdown % -7.41
-7.43
-16.28 | -0.64 14 | 25 Good
VaR 1 Y % -7.66
-8.96
-17.51 | -0.28 13 | 25 Good
Average Drawdown % -3.53
-3.54
-7.99 | -0.53 14 | 25 Good
Sharpe Ratio 0.76
0.32
-1.67 | 1.01 5 | 25 Very Good
Sterling Ratio 0.80
0.64
0.34 | 1.05 5 | 25 Very Good
Sortino Ratio 0.40
0.19
-0.46 | 0.54 5 | 25 Very Good
Return data last Updated On : Jan. 29, 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

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KPIs* Fund Benchmark Cat. Avg Min | Max Rank (In Cat.) Performance
1M Return % -3.26 -4.91 -3.16 -8.05 | 0.71 15 | 29
3M Return % -4.46 -6.67 -3.06 -7.73 | 1.77 18 | 29
6M Return % -4.55 -8.83 -2.79 -9.07 | 3.79 19 | 29
1Y Return % 9.55 8.83 10.99 7.47 | 17.38 16 | 27
3Y Return % 14.63 13.65 11.82 5.60 | 19.86 5 | 25
5Y Return % 16.97 17.46 12.91 5.44 | 23.38 4 | 21
7Y Return % 13.38 12.89 10.69 8.00 | 16.38 2 | 10
1Y SIP Return % -0.05 -3.83 -12.92 | 6.20 9 | 27
3Y SIP Return % 15.54 13.06 4.95 | 24.15 9 | 25
5Y SIP Return % 17.41 13.77 5.12 | 26.66 5 | 21
7Y SIP Return % 16.29 13.14 7.65 | 21.49 3 | 10
Standard Deviation 8.71 7.95 1.17 | 13.76 13 | 25
Semi Deviation 6.05 5.55 0.94 | 9.72 13 | 25
Max Drawdown % -7.41 -7.43 -16.28 | -0.64 14 | 25
VaR 1 Y % -7.66 -8.96 -17.51 | -0.28 13 | 25
Average Drawdown % -3.53 -3.54 -7.99 | -0.53 14 | 25
Sharpe Ratio 0.76 0.32 -1.67 | 1.01 5 | 25
Sterling Ratio 0.80 0.64 0.34 | 1.05 5 | 25
Sortino Ratio 0.40 0.19 -0.46 | 0.54 5 | 25
Return data last Updated On : Jan. 29, 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 0.85 ₹ 10,085.00 0.85 ₹ 10,085.00
1W -0.59 ₹ 9,941.00 -0.57 ₹ 9,943.00
1M -3.35 ₹ 9,665.00 -3.26 ₹ 9,674.00
3M -4.74 ₹ 9,526.00 -4.46 ₹ 9,554.00
6M -5.11 ₹ 9,489.00 -4.55 ₹ 9,545.00
1Y 8.27 ₹ 10,827.00 9.55 ₹ 10,955.00
3Y 13.25 ₹ 14,527.00 14.63 ₹ 15,060.00
5Y 15.55 ₹ 20,602.00 16.97 ₹ 21,897.00
7Y 11.94 ₹ 22,025.00 13.38 ₹ 24,084.00
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 -1.24 ₹ 11,919.22 -0.05 ₹ 11,996.68
3Y ₹ 36000 14.15 ₹ 44,455.14 15.54 ₹ 45,351.43
5Y ₹ 60000 15.96 ₹ 89,481.24 17.41 ₹ 92,722.32
7Y ₹ 84000 14.88 ₹ 142,824.36 16.29 ₹ 150,222.41
10Y ₹ 120000 ₹ ₹
15Y ₹ 180000 ₹ ₹


Date Hdfc Retirement Savings Fund - Hybrid - Equity Plan NAV Regular Growth Hdfc Retirement Savings Fund - Hybrid - Equity Plan NAV Direct Growth
29-01-2025 36.158 40.829
28-01-2025 35.855 40.485
27-01-2025 35.793 40.414
24-01-2025 36.124 40.784
23-01-2025 36.417 41.114
22-01-2025 36.374 41.064
21-01-2025 36.405 41.098
20-01-2025 36.776 41.515
17-01-2025 36.603 41.316
16-01-2025 36.688 41.411
15-01-2025 36.516 41.215
14-01-2025 36.461 41.152
13-01-2025 36.314 40.984
10-01-2025 36.862 41.6
09-01-2025 37.161 41.935
08-01-2025 37.32 42.114
07-01-2025 37.489 42.303
06-01-2025 37.347 42.141
03-01-2025 37.812 42.662
02-01-2025 38.004 42.878
01-01-2025 37.656 42.483
31-12-2024 37.515 42.323
30-12-2024 37.412 42.205

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 50 Hybrid Composite Debt 65:35 Index
Source: Fund FactSheet

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