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3 star

HDFC Retirement Savings Fund Equity Plan - Regular Plan


Equity: Flexi Cap

1 Lakh

Investment Grown to
₹ 1.30 Lakh

₹ 10000

Monthly SIP Grown to
₹ 4.82 Lakh

Suitability:

When you invest for five years or more, you can expect gains that comfortably beat the inflation rate as well as returns from fixed income options. But be prepared for ups and downs in your investment value along the way.

This is a flexi-cap fund where the fund management team has complete freedom to invest in companies of different sizes, depending on where it expects maximum gains. This versatility makes flexi-cap funds most suitable for equity fund investors, as the job of stock selection is left completely to the fund manager, which is the very idea of investing in a mutual fund.

Like for all equity funds, you must invest only through the SIP route. Click here to read a primer on SIP investing.

Warning: Do not invest in this, or any other flexi-cap fund, if you need to redeem your investment in less than five years.

Taxability of earnings:

Capital gains

  • If the mutual fund units are sold after 1 year from the date of investment, gains upto Rs 1 lakh in a financial year are exempt from tax. Gains over Rs 1 lakh are taxed at the rate of 10%.
  • If the mutual fund units are sold within 1 year from the date of investment, entire amount of gain is taxed at the rate of 15%.
  • No tax is to be paid as long as you continue to hold the units.

Dividends

  • Dividends are added to the income of the investors and taxed according to their respective tax slabs. Further, if an investor's dividend income exceeds Rs. 5,000 in a financial year, the fund house also deducts a TDS of 10% before distributing the dividend.

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(₹)
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Trailing Returns (%)

YTD 1-Day 1-W 1-M 3-M 6-M 1-Y 3-Y 5-Y 7-Y 10-Y
Fund 9.11 -2.22 -0.69 9.27 16.02 30.22 34.31 9.11 17.27 -- --
S&P BSE 500 TRI 6.05 -3.10 -2.00 7.93 14.21 30.70 34.31 11.12 17.54 -- --
Equity: Flexi Cap 6.06 -2.77 -1.94 7.62 13.66 28.36 27.53 9.82 16.24 -- --
Rank within category 9 6 3 10 12 20 10 22 17 -- --
Number of funds in category 56 58 58 57 56 54 52 37 35 28 24

As on 26-Feb-2021

Peer Comparison

Fund name Rating Launch Date 1-Year Return 3-Year Return 5-Year Return Expense Ratio Assets (Cr)
HDFC Retirement Savings Fund Equity Plan - Regular Plan  | Invest Online
3 star
Feb-16 34.31 9.11 17.27 2.14 1,249
Kotak Flexicap Fund Regular Plan  | Invest Online
4 star
Sep-09 24.89 10.82 17.38 1.62 32,453
UTI Flexi Cap Fund - Regular Plan  | Invest Online
5 star
May-92 35.13 16.80 18.73 1.76 14,606
Axis Focused 25 Fund
5 star
Jun-12 22.83 13.46 19.97 1.73 13,660
SBI Focused Equity Fund  | Invest Online
4 star
Oct-04 19.86 11.90 17.73 1.92 12,520

Best & Worst Performance

Best Performance Worst Performance
Return (%) Period Return (%) Period
Week 9.00 26-May-2020 - 02-Jun-2020 -17.84 16-Mar-2020 - 23-Mar-2020
Month 17.60 23-Mar-2020 - 22-Apr-2020 -34.38 20-Feb-2020 - 23-Mar-2020
Quarter 32.13 24-Mar-2020 - 23-Jun-2020 -32.62 23-Dec-2019 - 23-Mar-2020
Year 41.19 26-Dec-2016 - 26-Dec-2017 -31.83 22-Mar-2019 - 23-Mar-2020

Risk Measures (%)

Mean Std Dev Sharpe Sortino Beta Alpha
Fund 7.31 21.58 0.12 0.15 0.93 -1.58
S&P BSE 500 TRI 9.24 22.86 0.20 0.24 -- --
Equity: Flexi Cap 8.22 22.37 0.16 0.19 0.95 -0.77
Rank within category 20 12 18 18 13 19
Number of funds in category 30 30 30 30 30 30

The Risk Measures have been calculated using calendar month returns for the last three years.

As on 31-Jan-2021

Asset Allocation (%)

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Concentration & Valuation

Number of Stocks 66
Top 10 Stocks (%) 39.03
Top 5 Stocks (%) 26.18
Top 3 Sectors (%) 41.58
Portfolio P/B Ratio 2.44
Portfolio P/E Ratio 20.33

Portfolio Aggregates

Fund Category
Average Mkt Cap (Rs Cr) 43,024 1,22,998
Giant (%) 38.02 54.25
Large (%) 9.78 15.49
Mid (%) 21.80 22.22
Small (%) 30.40 8.37
Tiny (%) -- 0.17

Value Research Fund Style

Sector Allocation vis-à-vis Category

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Top Holdings

Company Sector P/E 3Y High 3Y Low % Assets
equal HDFC Bank Financial 27.56 9.25 6.11 6.48
equal Reliance Industries Energy 33.35 8.03 3.85 5.22
equal ICICI Bank Financial 28.01 5.74 3.45 4.99
equal Infosys Technology 28.69 5.49 2.25 4.83
equal HDFC Financial 26.15 6.12 0.00 4.66
up Larsen & Toubro Construction 17.63 4.25 2.11 3.74
equal ITC FMCG 18.94 4.90 0.00 3.09
equal Cyient Technology 23.55 2.06 0.00 2.06
equal Bajaj Electricals Cons Durable 81.37 2.05 0.37 2.05
equal Timken India Engineering 63.07 2.34 0.30 1.91
equal Bharat Electronics Engineering 18.81 1.93 0.00 1.86
equal Aurobindo Pharma Healthcare 9.31 2.64 1.11 1.84
equal JB Chemicals & Pharma Healthcare 21.72 2.25 0.00 1.80
up Radico Khaitan FMCG 32.25 1.77 0.00 1.77
up Godrej Consumer Products FMCG 44.24 1.67 0.00 1.67
up United Spirits FMCG 166.48 1.62 0.00 1.62
equal Computer Age Management Services Financial 51.34 1.56 0.00 1.56
equal Aarti Industries Chemicals 43.23 2.41 1.49 1.56
equal Balkrishna Industries Automobile 28.32 1.82 0.00 1.55
equal State Bank of India Financial 15.02 2.46 1.27 1.54
equal PNC Infratech Services 15.81 1.75 0.00 1.53
equal Jindal Steel & Power Metals 16.54 1.40 0.00 1.36
equal UPL Chemicals 17.68 1.75 0.00 1.35
equal Chambal Fertilisers & Chem. Chemicals 7.23 2.02 1.07 1.35
equal KEC International Engineering 20.07 2.02 1.18 1.33

up down equal Indicates an increase or decrease or no change in holding since last portfolio
new Indicates a new holding since last portfolio

As on 31-Jan-2021

Fund Manager

— Chirag Setalvad since 05-Feb-2016

Education: Mr. Setalvad is a B. Sc and MBA from University of North Carolina.

Experience: Prior to joining HDFC AMC he has worked with New Vernon Advisory Services Ltd., HDFC AMC and ING Barings N.V.

Funds Managed:

— Shobhit Mehrotra since 05-Feb-2016

Education: He is an MBA from Clemson University, USA.

Experience: Prior to joining HDFC AMC he has worked with Templeton AMC, and ICRA.

Funds Managed:


-2.22%

Change from previous, NAV as on 26-Feb-2021

Growth: ₹ 22.2020


Investment Strategy

The Scheme seeks to provide long-term capital appreciation / income by investing in a mix of equity and debt instruments to help investors meet their retirement goals.

Investment Details

Minimum Investment (₹) 5,000
Minimum Addl Investment (₹) 1,000
Minimum SIP Investment (₹) 500
Minimum No of Cheques 12
Minimum Withdrawal (₹) 500
Minimum Balance (₹) 5,000
Lock-in Period 5 Years
Exit Load 0

Basic Details

Fund House: HDFC Mutual Fund
Launch Date: 25-Feb-2016
Return Since Launch: 17.26%
Benchmark: NIFTY 500 TRI
Riskometer: Very High
Type: Open-ended
Assets: ₹ 1,249 Cr (As on 31-Jan-2021)
Expense: 2.14% (As on 31-Jan-2021)
Risk Grade: Average
Return Grade: Average
Turnover: 19.07%

Contact Information

AMC: HDFC Asset Management Company Ltd

Address: "HDFC House"-2nd Floor, H.T. Parekh Marg - 165-166, Backbay Reclamation, Churchgate Mumbai - 400020

Phone: 1800-3010-6767 / 1800-419-7676

Fax: 022-22821144

Website: http://www.hdfcfund.com

Registrar & Transfer Agent: Computer Age Management Services Ltd.

Address: 7th Floor, Tower II, Rayala Towers, 158, Anna Salai, Chennai - 600002

Phone: 1800-3010-6767 / 1800-419-7676

Fax: 044-30407101

Email: [email protected]

Website: www.camsonline.com

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