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4 star

HDFC Retirement Savings Fund - Hybrid Equity Plan - Regular Plan


1 Lakh

Investment Grown to
₹ 1.15 Lakh

₹ 10000

Monthly SIP Grown to
₹ 3.93 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.

Aggressive hybrid funds invest 65-80 per cent of your money in equity shares and the rest in bonds. Their returns are slightly lower than those of pure equity funds which invest all your money in shares, but they also fall relatively less when the stock markets decline. This makes them suitable for conservative equity investors or first-time equity investors who are not used to sharp ups and downs.

Like for all equity-linked investments, 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 aggressive hybrid 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 2.62 0.30 1.20 4.62 6.14 21.06 5.86 4.70 -- -- --
VR Balanced TRI 0.12 0.33 1.31 6.13 5.62 23.72 4.39 6.77 -- -- --
Hybrid: Aggressive Hybrid 0.72 0.34 1.49 4.82 5.63 19.74 3.81 3.09 -- -- --
Rank within category 12 25 30 26 15 12 10 10 -- -- --
Number of funds in category 44 45 45 44 44 44 43 33 26 23 21

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 - Hybrid Equity Plan - Regular Plan  | Invest Online
4 star
Feb-16 5.86 4.70 -- 2.54 441
SBI Equity Hybrid Fund  | Invest Online
5 star
Dec-95 1.33 5.43 8.04 1.64 31,226
DSP Equity & Bond Fund  | Invest Online
4 star
May-99 3.86 5.15 8.49 1.92 5,502
Mirae Asset Hybrid Equity Fund - Regular Plan  | Invest Online
5 star
Jul-15 6.73 6.13 9.57 1.88 3,735
Canara Robeco Equity Hybrid Fund - Regular Plan  | Invest Online
5 star
Feb-93 10.17 7.83 9.28 1.99 3,438

Best & Worst Performance

Best (Period) Worst (Period)
Week 6.91 (24-Mar-2020 - 31-Mar-2020) -13.57 (16-Mar-2020 - 23-Mar-2020)
Month 13.41 (24-Mar-2020 - 23-Apr-2020) -27.58 (20-Feb-2020 - 23-Mar-2020)
Quarter 23.44 (24-Mar-2020 - 23-Jun-2020) -25.54 (23-Dec-2019 - 23-Mar-2020)
Year 34.30 (26-Feb-2016 - 27-Feb-2017) -23.17 (22-Mar-2019 - 23-Mar-2020)

Risk Measures (%)

Mean Std Dev Sharpe Sortino Beta Alpha
Fund 5.86 15.99 0.05 0.05 0.88 -1.36
VR Balanced TRI 7.52 17.40 0.14 0.16 -- --
Hybrid: Aggressive Hybrid 4.10 16.65 -0.05 -0.05 0.90 -3.18
Rank within category 10 15 10 10 10 9
Number of funds in category 34 34 34 34 34 34

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 52
Top 10 Holdings (%) 41.97
Top 5 Holdings (%) 26.49
Top 3 Sectors (%) 33.13
Portfolio P/B Ratio 2.25
Portfolio P/E Ratio 17.24
Avg Credit Rating AAA

Value Research Equity Fund Style

Value Research Debt Fund Style

Credit Rating vis-à-vis Category

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Top Debt Holdings

Company Instrument Credit Rating 1Y Range % Assets
equal 9.10% Power Finance Corp. 23/03/2029 Non Convertible Debenture AAA 6.05 - 7.93 6.05
equal 8.75% Vedanta 30/06/2022 Non Convertible Debenture AA 0.00 - 4.51 3.22
equal 7.57% GOI 17/06/2033 GOI Securities SOV 0.00 - 4.06 3.10
equal 8.95% Jamnagar Utilities and Power 26/04/2023 Debenture AAA 2.43 - 3.06 2.43
equal 8.55% L&T Infrastructre Finance 29/11/2022 Non Convertible Debenture AAA 0.00 - 3.03 2.34
equal 8.75% State Bank of India Bonds AA+ 1.97 - 2.57 1.97
equal 7.93% Power Grid Corporation 20/05/2028 Bonds AAA 1.22 - 1.59 1.22
equal 11.25% Canara Bank 30/03/2050 Debenture AA 0.00 - 0.80 0.80
equal 9.25% Reliance Jio Infocomm 16/06/2024 Debenture AAA 0.63 - 0.81 0.63

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

Sector Allocation vis-à-vis Category

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Top Equity Holdings

Company Sector P/E 3Y High 3Y Low % Assets
equal Reliance Industries Energy 33.63 6.44 3.44 6.44
equal HDFC Bank Financial 23.00 6.44 5.43 5.43
equal Infosys Technology 26.76 4.78 2.25 4.54
equal HDFC Financial 16.86 5.32 0.00 4.03
equal ICICI Bank Financial 28.27 5.30 2.94 3.81
equal ITC FMCG 14.52 4.04 0.00 2.92
equal Larsen & Toubro Construction 15.77 3.15 2.15 2.15
equal Procter & Gamble Health Healthcare 49.64 3.22 0.00 2.09
equal Coforge Technology 32.97 2.29 1.05 1.95
equal Aurobindo Pharma Healthcare 15.42 2.09 0.74 1.65
equal JB Chemicals & Pharma Healthcare 23.45 1.57 0.00 1.57
equal Engineers India Construction 12.32 1.87 0.00 1.43
equal Suprajit Eng Automobile 39.77 1.36 0.00 1.36
equal Bajaj Electricals Cons Durable -- 1.35 0.60 1.35
equal Balrampur Chini Mills FMCG 6.04 1.24 0.00 1.24
down Timken India Engineering 41.10 1.79 0.00 1.12
equal Balkrishna Industries Automobile 29.36 1.30 0.00 1.12
equal KEC International Engineering 15.88 1.48 0.00 1.09
equal Oriental Carbon & Chemicals Chemicals 15.29 1.93 0.37 1.01
equal UPL Chemicals 17.59 1.60 0.00 0.99
equal HPCL Energy 6.92 1.45 0.33 0.99
equal Chambal Fertilisers & Chem. Chemicals 5.15 1.83 0.00 0.98
equal Bharat Electronics Engineering 13.53 1.09 0.00 0.98
equal Voltamp Transformers Engineering 10.91 1.41 0.00 0.98
equal Redington India Technology 10.07 1.39 0.27 0.97

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:


0.30%

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

Growth: ₹ 17.6400


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: 12.94%
Benchmark: NIFTY 50 Hybrid Composite Debt 65:35
Riskometer: Moderately High
Type: Open-ended
Assets: ₹ 441 Cr (As on 30-Sep-2020)
Expense: 2.54% (As on 30-Sep-2020)
Risk Grade: Average
Return Grade: Above Average
Turnover: 17.17%

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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