VR Logo

HDFC Retirement Savings Fund - Hybrid Equity Plan - Regular Plan


1 Lakh

Investment Grown to
₹ 1.36 Lakh

₹ 10000

Monthly SIP Grown to
₹ 4.02 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.

Aggressive hybrid funds invest 65-80% of your money in equity shares and the rest in bonds and commodities. Their returns are slightly lower than 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 its sharp ups and downs.

Like 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 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.

Read more

ajax-loader
Please wait...

ajax-loader
Please wait...

(₹)
cal
cal

ajax-loader
Please wait...

Trailing Returns (%)

YTD 1-Day 1-W 1-M 3-M 6-M 1-Y 3-Y 5-Y 7-Y 10-Y
Fund 1.63 -0.15 -0.36 2.10 4.86 5.69 8.78 10.69 -- -- --
VR Balanced TRI -0.38 -0.44 -1.59 -1.05 4.05 6.29 11.55 13.15 -- -- --
Hybrid: Aggressive Hybrid 0.74 -0.25 -0.82 0.65 4.02 6.94 9.20 8.70 -- -- --
Rank within category 4 8 6 3 11 25 22 8 -- -- --
Number of funds in category 43 43 43 42 42 41 38 31 24 23 21

As on 22-Jan-2020

Best & Worst Performance

Best (Period) Worst (Period)
Week -- ( - ) -- ( - )
Month 7.89 (29-Feb-2016 - 30-Mar-2016) -8.19 (07-Sep-2018 - 09-Oct-2018)
Quarter 14.60 (20-May-2016 - 19-Aug-2016) -7.28 (04-Jun-2019 - 03-Sep-2019)
Year 34.30 (26-Feb-2016 - 27-Feb-2017) -4.16 (21-Aug-2018 - 22-Aug-2019)

Risk Measures (%)

Mean Std Dev Sharpe Sortino Beta Alpha
Fund 11.15 10.04 0.54 0.82 0.87 -1.47
VR Balanced TRI 13.65 10.24 1.18 -- -- --
Hybrid: Aggressive Hybrid 9.64 9.97 0.40 0.62 0.85 -2.86
Rank within category 10 19 10 12 23 11
Number of funds in category 32 32 32 32 32 32

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

As on 31-Dec-2019

Asset Allocation (%)

ajax-loader
Please wait...

Concentration & Valuation

Number of Stocks 53
Top 10 Holdings (%) 46.72
Top 5 Holdings (%) 30.49
Top 3 Sectors (%) 35.72
Portfolio P/B Ratio 2.76
Portfolio P/E Ratio 20.53

Value Research Equity Fund Style

Value Research Debt Fund Style

Credit Rating vis-à-vis Category

ajax-loader
Please wait...

Top Debt Holdings

Company Instrument Credit Rating 1Y Range % Assets
equal 8.55% HDFC 27/03/2029 Debenture AAA 0.00 - 8.49 7.06
equal 9.10% Power Finance Corp. 23/03/2029 Non Convertible Debenture AAA 0.00 - 8.63 6.83
equal 8.95% Jamnagar Utilities and Power 26/04/2023 Debenture AAA 2.75 - 4.38 2.75
equal 6.84% GOI 19/12/2022 GOI Securities SOV 2.74 - 4.37 2.74
equal 8.75% State Bank of India Bonds AA+ 2.31 - 3.69 2.31
equal 7.93% Power Grid Corporation 20/05/2028 Bonds AAA 0.00 - 1.92 1.39
equal 11.25% Syndicate Bank 30/03/2050 Debenture A+ 0.96 - 1.56 0.96
equal 7.68% GOI 15/12/2023 GOI Securities SOV 0.84 - 1.34 0.84
equal 9.25% Reliance Jio Infocomm 16/06/2024 Debenture AAA 0.70 - 1.11 0.70
equal 7.37% GOI 16/04/2023 GOI Securities SOV 0.69 - 1.11 0.69

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

ajax-loader
Please wait...

Top Equity Holdings

Company Sector P/E 3Y High 3Y Low % Assets
up HDFC Bank Financial 25.84 6.92 4.08 6.41
equal Reliance Industries Energy 22.50 5.48 2.51 5.18
equal ICICI Bank Financial 66.25 5.01 1.93 5.01
equal HDFC Financial 34.58 4.36 0.00 4.03
equal Infosys Technology 20.37 4.78 1.37 3.91
equal Larsen & Toubro Construction 19.15 3.90 2.25 2.80
equal Procter & Gamble Health Healthcare 53.86 3.22 0.00 2.17
equal Timken India Engineering 38.10 1.79 0.00 1.74
equal NIIT Technologies Technology 28.26 2.29 1.00 1.63
equal Whirlpool Cons Durable 64.68 1.60 0.00 1.60
equal State Bank of India Financial 28.19 2.95 1.17 1.43
equal Aarti Industries Chemicals 27.89 2.31 1.32 1.32
equal Power Grid Corporation Energy 6.69 1.72 0.78 1.28
equal Redington India Technology 8.13 1.39 0.27 1.15
equal KEC International Engineering 15.83 1.48 0.00 1.14
equal Axis Bank Financial 43.19 1.78 0.62 1.14
equal Chambal Fertilisers & Chem. Chemicals 8.38 1.83 0.00 1.13
equal Vesuvius India Construction 27.26 1.20 0.38 1.13
equal Blue Star Cons Durable 41.93 1.73 0.71 1.10
equal Sonata Software Technology 13.07 1.39 0.00 1.03
equal HPCL Energy 7.44 1.32 0.33 1.01
equal Indian Hotels Services 48.53 1.40 0.66 0.99
equal Cholamandalam Invest. & Fin. Financial 20.52 1.56 0.74 0.99
equal Carborundum Universal Metals 26.90 1.90 0.86 0.98
equal Mahindra Holidays & Resorts Services 44.61 1.62 0.68 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 31-Dec-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:


-0.15%

Change from previous, NAV as on 22-Jan-2020

Growth: ₹ 17.4690


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: 15.34%
Benchmark: NIFTY 50 Hybrid Composite Debt 65:35
Riskometer: Moderately High
Type: Open-ended
Assets: ₹ 371 Cr (As on 31-Dec-2019)
Expense: 2.73% (As on 31-Dec-2019)
Risk Grade: Average
Return Grade: Above Average
Turnover: 5.30%

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

Value Investing

Evaluating a company's financial health from the Cash Flow Statement

dateSaturday, 25-Jan-2020
time12:30 PM - 01:00 PM