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3 star

HDFC Retirement Savings Fund Equity Plan - Regular Plan


Equity: Multi Cap

1 Lakh

Investment Grown to
₹ 1.03 Lakh

₹ 10000

Monthly SIP Declined to
₹ 3.51 Lakh

Suitability:

When you invest for five years or above, you can expect gains that comfortably beat the inflation rate and are also higher than 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 upon where it expects maximum gains. This versatility makes multi cap funds most suitable for equity fund investors as the job of stock selection is completely left to the fund manager, which is the very idea of investing in a mutual fund.

Like 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 paid by the mutual fund scheme are taxed at the rate of 10% (effectively 11.648%, including surcharge and cess). This is known as Dividend Distribution Tax (DDT). Though the investor does not pay this tax directly, it is deducted from the dividend income before passing on to the investor.

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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 -8.05 -0.31 2.41 5.82 23.22 -7.70 -6.19 1.10 -- -- --
S&P BSE 500 TRI -10.42 -0.76 2.76 5.61 22.89 -9.68 -5.65 2.53 -- -- --
Equity: Multi Cap -10.29 -0.73 2.30 4.47 19.16 -9.58 -5.03 1.36 -- -- --
Rank within category 13 6 24 8 6 16 31 22 -- -- --
Number of funds in category 59 61 61 60 60 59 54 41 39 33 29

As on 08-Jul-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 -6.19 1.10 -- 2.55 853
Kotak Standard Multicap Fund Regular Plan  | Invest Online
4 star
Sep-09 -6.22 2.62 7.60 1.64 25,984
Axis Focused 25 Fund  | Invest Online
5 star
Jun-12 0.18 6.19 9.03 1.92 9,428
UTI Equity Fund - Regular Plan  | Invest Online
4 star
May-92 2.47 5.74 6.73 1.85 9,057
SBI Focused Equity Fund  | Invest Online
5 star
Oct-04 -1.51 6.76 9.24 1.99 8,012

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 2.91 20.55 -0.12 -0.13 0.93 -1.44
S&P BSE 500 TRI 4.28 21.61 -0.05 -0.05 -- --
Equity: Multi Cap 3.15 21.19 -0.10 -0.11 0.95 -1.19
Rank within category 22 16 22 22 18 22
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-Jun-2020

Asset Allocation (%)

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Concentration & Valuation

Number of Stocks 60
Top 10 Stocks (%) 40.81
Top 5 Stocks (%) 27.91
Top 3 Sectors (%) 39.67
Portfolio P/B Ratio 2.03
Portfolio P/E Ratio 15.18

Portfolio Aggregates

Fund Category
Average Mkt Cap (Rs Cr) 39,482 91,892
Giant (%) 43.91 54.12
Large (%) 4.08 17.63
Mid (%) 20.97 19.46
Small (%) 31.04 9.59
Tiny (%) -- 0.55

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 22.35 9.25 6.11 7.27
down Reliance Industries Energy 30.88 7.07 3.85 7.07
equal HDFC Financial 15.25 6.12 0.00 5.04
equal ITC FMCG 15.76 4.90 0.00 4.33
equal Infosys Technology 19.88 5.49 1.68 4.20
equal ICICI Bank Financial 24.97 5.74 3.65 3.95
equal Larsen & Toubro Construction 13.84 4.63 2.56 2.56
equal Aurobindo Pharma Healthcare 16.60 2.64 1.11 2.30
equal Timken India Engineering 29.80 2.34 0.30 2.22
equal JB Chemicals & Pharma Healthcare 20.25 2.00 0.00 1.87
up Bharat Electronics Engineering 13.83 1.85 0.00 1.85
equal Aarti Industries Chemicals 30.56 2.41 1.49 1.83
equal Balkrishna Industries Automobile 25.38 1.80 0.00 1.80
equal HPCL Energy 12.23 1.96 0.54 1.71
equal PNC Infratech Services 6.77 1.69 0.00 1.69
up Voltamp Transformers Engineering 12.82 1.82 0.00 1.67
equal Bajaj Electricals Cons Durable -- 1.68 0.37 1.63
up Engineers India Construction 10.86 1.59 0.00 1.59
equal Oracle Fin Ser Software Technology 16.75 1.51 0.00 1.51
up UPL Chemicals 19.10 1.75 0.00 1.50
equal KEC International Engineering 12.49 2.11 1.18 1.47
equal State Bank of India Financial 8.67 3.92 1.42 1.42
equal Mahindra Holidays & Resorts Services 34.98 3.04 0.74 1.28
up Power Grid Corporation Energy 9.48 2.18 0.96 1.23
equal Chambal Fertilisers & Chem. Chemicals 5.22 2.02 0.00 1.18

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-Jun-2020

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:


-0.31%

Change from previous, NAV as on 08-Jul-2020

Growth: ₹ 15.8210


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: 11.07%
Benchmark: NIFTY 500 TRI
Riskometer: Moderately High
Type: Open-ended
Assets: ₹ 853 Cr (As on 30-Jun-2020)
Expense: 2.55% (As on 31-May-2020)
Risk Grade: Average
Return Grade: Average
Turnover: 19.71%

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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