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HDFC Retirement Savings Fund Equity Plan - Direct Plan


1 Lakh

Investment Grown to
₹ 1.39 Lakh

₹ 10000

Monthly SIP Grown to
₹ 3.91 Lakh

Analyst's Choice?

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 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 Month 3 Months 1 Years 3 Years 5 Years 10 Years
Fund 5.36 0.73 5.12 6.49 11.67 -- --
S&P BSE 500 TRI 7.97 1.57 8.28 9.13 13.06 -- --
Equity: Multi Cap 9.83 1.35 8.54 10.97 12.46 -- --
Rank within category 39 45 54 39 25 -- --
Number of funds in category 49 58 58 49 41 37 1

As on 13-Dec-2019

Best & Worst Performance

Best (Period) Worst (Period)
Month 9.64 (29-Feb-2016 - 30-Mar-2016) -10.16 (07-Sep-2018 - 09-Oct-2018)
Quarter 17.62 (29-Feb-2016 - 30-May-2016) -8.63 (27-Jul-2018 - 26-Oct-2018)
Year 43.48 (26-Dec-2016 - 26-Dec-2017) -8.75 (29-Jan-2018 - 29-Jan-2019)

Risk Measures (%)

Mean Std Dev Sharpe Sortino Beta Alpha
Fund 11.77 12.31 0.49 0.87 0.89 -0.51
S&P BSE 500 TRI 13.11 13.17 0.56 0.86 -- --
Equity: Multi Cap 12.41 13.53 0.49 0.75 0.95 -0.37
Rank within category 26 7 18 12 7 19
Number of funds in category 42 42 42 42 42 42

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

As on 30-Nov-2019

Asset Allocation (%)

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Concentration & Valuation

Number of Stocks 55
Top 10 Stocks (%) 40.32
Top 5 Stocks (%) 29.40
Top 3 Sectors (%) 41.76
Portfolio P/B Ratio 2.60
Portfolio P/E Ratio 19.69

Portfolio Aggregates

Fund Benchmark Category
Average Mkt Cap (Rs Cr) 51,281 2,78,517 1,02,715
Giant (%) 45.00 59.50 53.71
Large (%) 6.97 18.52 15.51
Mid (%) 18.94 16.63 23.22
Small (%) 29.09 5.32 8.92
Tiny (%) -- 0.01 0.33

Value Research Fund Style

Sector Allocation vis-à-vis Benchmark

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Top Holdings

Company Sector P/E 3Y High 3Y Low % Assets
equal HDFC Bank Financial 29.40 9.25 5.42 7.76
up Reliance Industries Energy 23.77 6.65 3.50 6.65
equal ICICI Bank Financial 67.96 6.41 2.93 5.59
up HDFC Financial 33.91 5.29 0.00 5.29
equal Infosys Technology 19.77 5.49 1.68 4.11
equal Larsen & Toubro Construction 19.47 4.86 2.72 3.24
equal Timken India Engineering 35.41 2.20 0.30 2.07
equal State Bank of India Financial 29.46 4.28 1.51 2.07
equal Whirlpool Cons Durable 59.84 1.91 0.00 1.82
equal Aarti Industries Chemicals 25.30 2.34 1.49 1.72
equal KEC International Engineering 13.97 2.11 0.00 1.58
up Indian Hotels Services 50.18 1.47 0.57 1.45
up Mahindra Holidays & Resorts Services 39.50 3.04 0.74 1.42
equal Redington India Technology 8.03 1.52 0.68 1.39
equal Balkrishna Industries Automobile 23.13 1.61 0.00 1.37
equal Axis Bank Financial 47.63 1.73 0.61 1.33
equal HPCL Energy 8.02 2.38 0.54 1.32
equal Carborundum Universal Metals 25.99 2.66 1.26 1.29
equal Chambal Fertilisers & Chem. Chemicals 7.08 2.02 0.00 1.28
equal Kalpataru Power Trans Construction 14.44 1.64 0.51 1.28
equal Power Grid Corporation Energy 6.29 2.41 0.96 1.21
equal NIIT Technologies Technology 22.43 1.49 0.00 1.17
equal Blue Star Cons Durable 39.98 1.90 0.54 1.14
equal Bajaj Electricals Cons Durable 44.91 1.50 0.37 1.14
equal Cholamandalam Invest. & Fin. Financial 20.03 2.08 0.88 1.13

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-Nov-2019

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:


0.61%

Change from previous, NAV as on 13-Dec-2019

Growth: ₹ 18.0380


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
Benchmark: NIFTY 500 TRI
Riskometer: Moderately High
Type: Open-ended
Assets: ₹ 825 Cr (As on 30-Nov-2019)
Expense: 1.24% (As on 30-Nov-2019)
Risk Grade: Below Average
Return Grade: Average
Turnover: --

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: 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

Upcoming Video

Investors' Hangout

Why you should ditch dividend plans

dateFriday, 20-Dec-2019
time12:30 PM - 01:00 PM