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3 star

HDFC Retirement Savings Fund Equity Plan - Regular Plan


Equity: Multi Cap

1 Lakh

Investment Grown to
₹ 1.08 Lakh

₹ 10000

Monthly SIP Grown to
₹ 3.86 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 multi-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 multi-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 multi-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 2.12 0.25 1.75 5.64 7.96 28.17 4.85 2.69 -- -- --
S&P BSE 500 TRI 0.39 0.39 1.71 6.40 7.73 29.31 4.79 4.35 -- -- --
Equity: Multi Cap -1.07 0.44 1.76 5.59 6.48 24.08 2.67 2.78 -- -- --
Rank within category 14 54 28 34 13 10 16 19 -- -- --
Number of funds in category 60 64 64 63 62 61 59 43 40 34 30

As on 23-Oct-2020

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 4.85 2.69 -- 2.23 988
Kotak Standard Multicap Fund Regular Plan  | Invest Online
4 star
Sep-09 1.21 3.91 9.05 1.69 29,551
Axis Focused 25 Fund
5 star
Jun-12 1.85 6.65 11.28 2.02 11,455
UTI Equity Fund - Regular Plan  | Invest Online
4 star
May-92 13.92 9.45 9.57 2.09 11,386
Aditya Birla Sun Life Equity Fund  | Invest Online
4 star
Aug-98 4.18 2.11 8.85 1.83 10,832

Best & Worst Performance

Best (Period) Worst (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 4.79 20.56 -0.01 -0.01 0.92 -1.70
S&P BSE 500 TRI 6.61 21.81 0.07 0.08 -- --
Equity: Multi Cap 4.83 21.40 -0.01 -0.01 0.95 -1.69
Rank within category 20 13 20 20 15 20
Number of funds in category 43 43 43 43 43 43

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

As on 30-Sep-2020

Asset Allocation (%)

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Concentration & Valuation

Number of Stocks 64
Top 10 Stocks (%) 39.02
Top 5 Stocks (%) 27.08
Top 3 Sectors (%) 38.93
Portfolio P/B Ratio 2.10
Portfolio P/E Ratio 17.64

Portfolio Aggregates

Fund Category
Average Mkt Cap (Rs Cr) 39,578 99,119
Giant (%) 40.06 50.92
Large (%) 6.96 16.66
Mid (%) 23.76 23.89
Small (%) 29.22 9.05
Tiny (%) -- 0.29

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 Reliance Industries Energy 33.63 8.03 3.85 8.00
equal HDFC Bank Financial 23.00 9.25 6.11 6.35
equal Infosys Technology 26.76 5.49 2.25 4.97
equal HDFC Financial 16.86 6.12 0.00 4.31
equal ICICI Bank Financial 28.27 5.74 3.45 3.45
equal ITC FMCG 14.52 4.90 0.00 3.30
equal JB Chemicals & Pharma Healthcare 23.45 2.25 0.00 2.25
equal Timken India Engineering 41.10 2.34 0.30 2.23
equal Larsen & Toubro Construction 15.77 4.25 2.11 2.11
equal Aurobindo Pharma Healthcare 15.42 2.64 1.11 2.05
equal Balkrishna Industries Automobile 29.36 1.82 0.00 1.82
equal Bajaj Electricals Cons Durable -- 1.80 0.37 1.80
equal Aarti Industries Chemicals 36.13 2.41 1.49 1.73
equal Bharat Electronics Engineering 13.53 1.93 0.00 1.73
equal KEC International Engineering 15.88 2.02 1.18 1.61
equal PNC Infratech Services 9.49 1.75 0.00 1.60
equal UPL Chemicals 17.59 1.75 0.00 1.53
equal Coforge Technology 32.97 1.49 0.00 1.49
equal Oracle Fin Ser Software Technology 18.19 1.51 0.00 1.40
equal Alkyl Amines Chemicals Chemicals 26.21 1.39 0.00 1.39
equal Atul Chemicals 30.13 1.61 1.05 1.36
equal Voltamp Transformers Engineering 10.91 1.82 0.00 1.30
equal State Bank of India Financial 8.38 3.18 1.28 1.28
new Jindal Steel & Power Metals 326.57 1.23 0.00 1.23
equal HPCL Energy 6.92 1.93 0.54 1.23

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 30-Sep-2020

Fund Manager

— Anand Laddha since 21-Oct-2020

Education: Mr. Laddha has done B.Com. and CA

Experience: Prior to joining HDFC Asset Management Company Limited, he has worked with Refco-Sify Securities India Pvt. Ltd. Last Position Held - AVP - FII Equity & Derivative Sales. Alchemy Share & Stock Brokers Pvt. Ltd. Last Position Held - Equity & Derivative Sales.

Funds Managed:

— 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:


0.25%

Change from previous, NAV as on 23-Oct-2020

Growth: ₹ 17.5710


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
Exit Load 0

Basic Details

Fund House: HDFC Mutual Fund
Launch Date: 25-Feb-2016
Return Since Launch: 12.85%
Benchmark: NIFTY 500 TRI
Riskometer: Moderately High
Type: Open-ended
Assets: ₹ 988 Cr (As on 30-Sep-2020)
Expense: 2.23% (As on 30-Sep-2020)
Risk Grade: Average
Return Grade: Average
Turnover: 16.65%

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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