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4 star

HDFC Retirement Savings Fund - Hybrid Equity Plan - Regular Plan


1 Lakh

Investment Grown to
₹ 1.68 Lakh

₹ 10000

Monthly SIP Grown to
₹ 5.20 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 26.58 -1.06 -0.13 2.21 7.26 20.93 45.43 18.77 14.10 -- --
VR Balanced TRI 27.51 -1.01 0.52 4.36 15.01 24.86 46.69 20.09 15.64 -- --
Hybrid: Aggressive Hybrid 28.27 -0.97 -0.37 3.42 10.88 23.25 46.94 18.14 12.84 -- --
Rank within category 26 31 19 41 48 36 24 14 8 -- --
Number of funds in category 48 49 49 49 49 49 47 39 30 26 23

As on 20-Oct-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 - Hybrid Equity Plan - Regular Plan  | Invest Online
4 star
Feb-16 45.43 18.77 14.10 2.51% 732
SBI Equity Hybrid Fund  | Invest Online
4 star
Dec-95 46.61 19.95 14.06 1.58% 47,470
ICICI Prudential Equity & Debt Fund  | Invest Now
4 star
Nov-99 77.33 21.43 15.68 1.79% 18,653
DSP Equity & Bond Fund  | Invest Online
4 star
May-99 46.55 21.52 13.48 1.87% 7,563
Canara Robeco Equity Hybrid Fund - Regular Plan  | Invest Online
5 star
Feb-93 39.94 20.47 14.49 1.92% 6,746

Best & Worst Performance

Best Performance Worst Performance
Return (%) Period Return (%) 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 67.85 23-Mar-2020 - 23-Mar-2021 -23.17 22-Mar-2019 - 23-Mar-2020

Risk Measures (%)

Mean Std Dev Sharpe Sortino Beta Alpha
Fund 17.31 16.31 0.82 0.91 0.85 1.86
VR Balanced TRI 17.41 18.03 0.75 0.87 -- --
Hybrid: Aggressive Hybrid 16.45 17.01 0.74 0.79 0.89 0.49
Rank within category 13 20 12 12 12 12
Number of funds in category 41 41 41 41 41 41

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

As on 30-Sep-2021

Asset Allocation (%)

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Concentration & Valuation

Number of Stocks 45
Top 10 Holdings (%) 37.12
Top 5 Holdings (%) 23.02
Top 3 Sectors (%) 34.48
Portfolio P/B Ratio 3.09
Portfolio P/E Ratio 20.36
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 Corporation 23/03/2029 Non Convertible Debenture AAA 3.68 - 6.05 3.68
equal 6.40% Embassy Office Parks REIT 15/02/2024 Debenture AAA 0.00 - 4.69 3.45
equal 8.75% Vedanta 30/06/2022 Non Convertible Debenture AA- 2.08 - 3.17 2.08
equal 7.57% GOI 17/06/2033 GOI Securities SOV 1.84 - 3.09 1.84
equal 8.95% Jamnagar Utilities and Power 26/04/2023 Debenture AAA 1.45 - 2.41 1.45
equal 6.67% GOI 17/12/2050 GOI Securities SOV 1.32 - 2.23 1.32
equal 7.93% Power Grid Corporation 20/05/2028 Bonds AAA 0.74 - 1.22 0.74
equal 9.25% Reliance Jio Infocomm 16/06/2024 Debenture AAA 0.37 - 0.63 0.37

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 HDFC Bank Financial 27.18 6.49 5.36 5.60
equal ICICI Bank Financial 26.23 5.30 3.10 4.67
equal Infosys Technology 35.31 4.82 2.25 4.54
equal Reliance Industries Energy 36.84 6.44 3.47 4.37
equal HDFC Financial 25.49 5.32 3.26 3.84
equal Larsen & Toubro Construction 20.36 3.04 2.15 2.44
equal ITC FMCG 21.67 4.04 0.00 2.42
equal Bajaj Electricals Consumer Durable 72.27 2.31 0.60 2.11
equal State Bank of India Financial 17.95 2.28 0.92 2.07
equal Cyient Technology 29.65 1.89 0.00 1.89
equal UTI Asset Management Co. Financial 25.33 2.11 0.00 1.82
equal Balrampur Chini Mills FMCG 15.86 1.96 0.00 1.76
equal Firstsource Solutions Services 35.09 1.73 0.00 1.60
equal Sonata Software Technology 27.87 1.55 0.64 1.55
equal Suprajit Eng Automobile 25.23 1.66 0.00 1.46
equal Timken India Engineering 66.84 1.79 0.00 1.39
equal Redington India Services 12.43 1.73 0.27 1.38
equal Procter & Gamble Health Healthcare 51.66 2.84 1.36 1.36
equal Chambal Fertilisers & Chem. Chemicals 8.29 1.83 0.90 1.27
equal Bharat Electronics Engineering 24.07 1.25 0.00 1.25
equal Nilkamal Chemicals 26.71 1.20 0.58 1.19
equal Tata Steel Metals 7.60 1.30 0.40 1.09
up Mahindra Holidays & Resorts Services -- 1.11 0.68 1.02
equal Hindustan Petroleum Corporation Energy 4.39 1.45 0.33 0.99
new Max Healthcare Institute Healthcare 104.57 0.98 0.00 0.98

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-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 Franklin Templeton AMC, and ICRA.

Funds Managed:


-1.06%

Change from previous, NAV as on 20-Oct-2021

Growth: ₹ 25.5420


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: 18.04%
Benchmark: NIFTY 50 Hybrid Composite Debt 65:35
Riskometer: Very High
Type: Open-ended
Assets: ₹ 732 Cr (As on 30-Sep-2021)
Expense: 2.51% (As on 30-Sep-2021)
Risk Grade: Below Average
Return Grade: Above Average
Turnover: 15.88%

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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