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4 star

HDFC Retirement Savings Fund - Hybrid Equity Plan - Direct Plan


1 Lakh

Investment Grown to
₹ 1.53 Lakh

₹ 10000

Monthly SIP Grown to
₹ 5.06 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 16.83 0.27 0.68 7.60 8.77 19.18 57.09 15.33 16.78 -- --
VR Balanced TRI 11.89 0.09 0.48 7.00 5.11 14.91 49.35 13.75 14.26 -- --
Hybrid: Aggressive Hybrid 15.25 0.39 0.90 7.13 7.65 17.87 52.19 13.06 13.66 -- --
Rank within category 17 38 32 15 11 16 15 8 3 -- --
Number of funds in category 48 49 49 49 49 47 46 35 29 25 0

As on 15-Jun-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 - Direct Plan  | Invest Online
4 star
Feb-16 57.09 15.33 16.78 1.30 632
SBI Equity Hybrid Fund - Direct Plan  | Invest Online
4 star
Jan-13 46.11 14.26 14.25 0.96 39,977
ICICI Prudential Equity & Debt Fund - Direct Plan  | Invest Now
4 star
Jan-13 58.33 15.03 15.79 1.35 17,274
DSP Equity & Bond Fund - Direct Plan  | Invest Online
4 star
Jan-13 51.05 15.70 15.38 0.83 6,769
Canara Robeco Equity Hybrid Fund - Direct Plan  | Invest Online
5 star
Jan-13 46.38 16.28 16.11 0.77 5,327

Best & Worst Performance

Best Performance Worst Performance
Return (%) Period Return (%) Period
Week 6.94 24-Mar-2020 - 31-Mar-2020 -13.55 16-Mar-2020 - 23-Mar-2020
Month 13.54 24-Mar-2020 - 23-Apr-2020 -27.50 20-Feb-2020 - 23-Mar-2020
Quarter 23.79 24-Mar-2020 - 23-Jun-2020 -25.31 23-Dec-2019 - 23-Mar-2020
Year 69.88 23-Mar-2020 - 23-Mar-2021 -22.21 22-Mar-2019 - 23-Mar-2020

Risk Measures (%)

Mean Std Dev Sharpe Sortino Beta Alpha
Fund 14.94 17.12 0.62 0.71 0.90 1.51
VR Balanced TRI 14.39 18.22 0.55 0.64 -- --
Hybrid: Aggressive Hybrid 13.10 17.75 0.50 0.56 0.93 -0.57
Rank within category 9 20 6 6 18 8
Number of funds in category 38 38 38 38 38 38

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

As on 31-May-2021

Asset Allocation (%)

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Concentration & Valuation

Number of Stocks 51
Top 10 Holdings (%) 39.71
Top 5 Holdings (%) 24.21
Top 3 Sectors (%) 35.69
Portfolio P/B Ratio 2.88
Portfolio P/E Ratio 19.86
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 4.23 - 6.72 4.23
equal 6.40% Embassy Office Parks REIT 15/02/2024 Debenture AAA 0.00 - 4.69 3.97
equal 8.75% Vedanta 30/06/2022 Non Convertible Debenture AA- 0.00 - 3.17 2.40
equal 7.57% GOI 17/06/2033 GOI Securities SOV 2.13 - 3.49 2.13
equal 8.95% Jamnagar Utilities and Power 26/04/2023 Debenture AAA 1.69 - 2.69 1.69
equal 8.55% L&T Infrastructre Finance 29/11/2022 Non Convertible Debenture AAA 1.64 - 2.59 1.64
equal 6.67% GOI 17/12/2050 GOI Securities SOV 0.00 - 2.23 1.53
equal 7.93% Power Grid Corporation 20/05/2028 Bonds AAA 0.85 - 1.37 0.85
equal 9.25% Reliance Jio Infocomm 16/06/2024 Debenture AAA 0.44 - 0.70 0.44

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 25.83 6.49 5.43 6.16
equal ICICI Bank Financial 24.29 5.30 2.94 5.11
equal Infosys Technology 32.43 4.78 2.25 4.37
equal Reliance Industries Energy 30.97 6.44 3.47 4.34
equal HDFC Financial 24.52 5.32 3.23 4.12
equal ITC FMCG 19.37 4.04 0.00 2.57
equal Larsen & Toubro Construction 18.32 3.04 2.15 2.44
equal State Bank of India Financial 17.11 2.28 0.92 2.24
equal Bajaj Electricals Cons Durable 63.16 2.31 0.60 1.97
equal Procter & Gamble Health Healthcare 50.21 3.22 1.72 1.72
equal Balrampur Chini Mills FMCG 15.24 1.69 0.00 1.69
equal Cyient Technology 25.11 1.69 0.00 1.69
equal Redington India Technology 13.91 1.50 0.27 1.50
equal UTI Asset Management Co. Financial 20.05 1.50 0.00 1.50
equal Aurobindo Pharma Healthcare 10.91 2.08 0.74 1.44
equal Suprajit Eng Automobile 30.07 1.66 0.00 1.41
equal Sonata Software Technology 30.88 1.39 0.00 1.38
new Firstsource Solutions Services 31.67 1.35 0.00 1.35
equal Chambal Fertilisers & Chem. Chemicals 7.29 1.83 0.90 1.25
equal Balkrishna Industries Automobile 37.34 1.30 0.00 1.16
equal UPL Chemicals 22.41 1.35 0.71 1.11
equal Tata Steel Metals 18.88 1.10 0.40 1.10
equal Nilkamal Chemicals 29.55 1.14 0.58 1.09
equal Hindustan Petroleum Corporation Energy 3.97 1.45 0.33 1.07
equal Oriental Carbon & Chemicals Chemicals 16.50 1.30 0.37 1.05

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-May-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:


0.27%

Change from previous, NAV as on 15-Jun-2021

Growth: ₹ 25.3190


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: 19.13%
Benchmark: NIFTY 50 Hybrid Composite Debt 65:35
Riskometer: Very High
Type: Open-ended
Assets: ₹ 632 Cr (As on 31-May-2021)
Expense: 1.30% (As on 30-Apr-2021)
Risk Grade: Below Average
Return Grade: Above Average
Turnover: 16.35%

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

Upcoming Video

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Your investment strategy after the debt fund fiasco

DateFriday, 18-Jun-2021
Time12:30 PM - 01:00 PM