Hdfc Retirement Savings Fund - Equity Plan Datagrid
Category Retirement Fund
BMSMONEY Rank 3
Rating
Growth Option 05-12-2025
NAV ₹51.87(R) +0.3% ₹58.98(D) +0.3%
Returns 1Y 3Y 5Y 7Y 10Y
Lumpsum Regular 2.38% 17.48% 21.4% 18.1% -%
Direct 3.41% 18.77% 22.81% 19.52% -%
Nifty 500 TRI 3.43% 15.37% 17.78% 16.09% 15.02%
SIP (XIRR) Regular 10.88% 14.25% 16.93% 19.5% -%
Direct 12.01% 15.51% 18.28% 20.92% -%
Ratio Sharpe Ratio Sortino Ratio Sterling Ratio Jensen's Alpha Treynor Ratio
1.03 0.52 0.7 4.75% 0.14
Risk STD. Dev VaR 1Y95% Max DD Beta Semi Devi.
10.92% -13.66% -15.17% 0.81 7.9%
Fund AUM As on: 30/06/2025 6328 Cr
Top Retirement Fund
Fund Name Rank Rating
Icici Prudential Retirement Fund - Pure Equity Plan 1
Icici Prudential Retirement Fund - Hybrid Aggressive Plan 2
Hdfc Retirement Savings Fund - Equity Plan 3
Union Retirement Fund 4
Icici Prudential Retirement Fund - Hybrid Conservative Plan 5
Aditya Birla Sun Life Retirement Fund - The 30s Plan 6

NAV Date: 05-12-2025

Scheme Name NAV Rupee Change Percent Change
HDFC Retirement Savings Fund - Equity Plan - Growth Option 51.87
0.1600
0.3000%
HDFC Retirement Savings Fund - Equity Plan - Growth Option - Direct Plan 58.98
0.1800
0.3000%

Review Date: 05-12-2025

Beginning of Analysis

Hdfc Retirement Savings Fund - Equity Plan is the third ranked fund in the Retirement Fund category. The category has total 26 funds. The Hdfc Retirement Savings Fund - Equity Plan has shown an excellent past performence in Retirement Fund. The fund has a Jensen Alpha of 4.75% which is higher than the category average of 3.03%. Here the fund has shown very good performance in terms of risk adjusted returns. The fund has a Sharpe Ratio of 1.03 which is higher than the category average of 0.71.
The past performance of the fund may or may not be sustained in the future. The review is not investment advice nor is it a recommendation to buy or sell funds. The ranking is based on proprietary methodology developed by bmsmoney. The methodology is based on the past performance of the funds and does not guarantee future performance.
Retirement Mutual Funds

Hdfc Retirement Savings Fund - Equity Plan Return Analysis

The Hdfc Retirement Savings Fund - Equity Plan has delivered a mixed performance across various time horizons, showcasing both strengths and challenges when compared to its Retirement Fund peers and the Nifty 500 TRI benchmark. This analysis examines the fund’s returns over periods ranging from one month to ten years, alongside its Systematic Investment Plan (SIP) performance, highlighting its rankings within the Retirement Fund category and its ability to outperform or underperform the benchmark and category averages.

  • The fund has given a return of 1.39%, 3.96 and 3.91 in last one, three and six months respectively. In the same period the category average return was 0.82%, 2.8% and 3.05% respectively.
  • Hdfc Retirement Savings Fund - Equity Plan has given a return of 3.41% in last one year. In the same period the Nifty 500 TRI return was 3.43%. The fund has given 0.02% less return than the benchmark return.
  • The fund has given a return of 18.77% in last three years and rank 3rd out of 26 funds in the category. In the same period the Nifty 500 TRI return was 15.37%. The fund has given 3.4% more return than the benchmark return.
  • Hdfc Retirement Savings Fund - Equity Plan has given a return of 22.81% in last five years and category average returns is 13.08% in same period. The fund ranked 2nd out of 21 funds in the category. In the same period the Nifty 500 TRI return was 17.78%. The fund has given 5.03% more return than the benchmark return.
  • The fund has given a SIP return of 12.01% in last one year whereas category average SIP return is 10.12%. The fund one year return rank in the category is 8th in 29 funds
  • The fund has SIP return of 15.51% in last three years and ranks 5th in 26 funds. Icici Prudential Retirement Fund - Pure Equity Plan has given the highest SIP return (23.92%) in the category in last three years.
  • The fund has SIP return of 18.28% in last five years whereas category average SIP return is 12.02%.

Hdfc Retirement Savings Fund - Equity Plan Risk Analysis

  • The fund has a standard deviation of 10.92 and semi deviation of 7.9. The category average standard deviation is 8.14 and semi deviation is 5.99.
  • The fund has a Value at Risk (VaR) of -13.66 and a maximum drawdown of -15.17. The category average VaR is -9.74 and the maximum drawdown is -9.97. The fund has a beta of 0.81 which shows that fund is less volatile than the benchmark.

Standard deviation measures the fund's return volatility and Semi deviation focuses on downside volatility. Value at Risk (VaR) is a measure of the risk of investments. Maximum Drawdown is the maximum loss from a peak to a trough of a portfolio. Beta measures the volatility of the fund compared to the benchmark. A beta of 1 indicates that the fund will move in line with the benchmark. A beta of more than 1 indicates that the fund will be more volatile than the benchmark and vice versa.


  • Very Good Performance in Retirement Fund Category
  • Good Performance in Retirement Fund Category
  • Poor Performance in Retirement Fund Category
  • Very Poor Performance in Retirement Fund Category

    • Investors beware: Mutual Fund investments are subject to market risks. Please read the scheme related documents carefully.

    Data Source: www.amfiindia.com

    SEBI Categorization


    KPIs* Fund Nifty 500 TRI Cat. Avg Min | Max Rank (In Cat.) Performance
    1M Return % 1.30 1.42
    0.73
    		-0.67 | 1.79 7 | 29 Very Good
    3M Return % 3.69 4.55
    2.50
    		-0.99 | 4.80 6 | 29 Very Good
    6M Return % 3.37 4.55
    2.46
    		-0.69 | 7.03 9 | 29 Good
    1Y Return % 2.38 3.43
    3.02
    		-3.00 | 8.46 22 | 29 Average
    3Y Return % 17.48 15.37
    12.18
    		5.35 | 22.93 3 | 26 Very Good
    5Y Return % 21.40 17.78
    11.67
    		3.79 | 24.49 2 | 21 Very Good
    7Y Return % 18.10 16.09
    11.29
    		7.40 | 18.10 1 | 10 Very Good
    1Y SIP Return % 10.88
    8.86
    		3.44 | 19.84 8 | 29 Very Good
    3Y SIP Return % 14.25
    10.44
    		3.36 | 22.18 5 | 26 Very Good
    5Y SIP Return % 16.93
    10.67
    		3.38 | 22.18 3 | 21 Very Good
    7Y SIP Return % 19.50
    11.82
    		6.51 | 19.50 1 | 10 Very Good
    Standard Deviation 10.92
    8.14
    		1.11 | 14.75 17 | 26 Average
    Semi Deviation 7.90
    5.99
    		0.79 | 10.78 17 | 26 Average
    Max Drawdown % -15.17
    -9.97
    		-19.00 | -0.42 19 | 26 Average
    VaR 1 Y % -13.66
    -9.74
    		-20.07 | 0.00 18 | 26 Average
    Average Drawdown % -6.75
    -4.46
    		-10.45 | -0.15 20 | 26 Average
    Sharpe Ratio 1.03
    0.71
    		-0.28 | 1.14 5 | 26 Very Good
    Sterling Ratio 0.70
    0.62
    		0.46 | 0.88 5 | 26 Very Good
    Sortino Ratio 0.52
    0.34
    		-0.10 | 0.58 4 | 26 Very Good
    Jensen Alpha % 4.75
    3.03
    		-0.46 | 6.46 6 | 26 Very Good
    Treynor Ratio 0.14
    0.11
    		-0.08 | 0.24 6 | 26 Very Good
    Modigliani Square Measure % 20.96
    24.25
    		13.98 | 69.26 13 | 26 Good
    Alpha % 2.35
    -2.24
    		-7.36 | 7.65 3 | 26 Very Good
    Return data last Updated On : Dec. 5, 2025.
    Other parameters, fund ranking, non return related analysis are updated after every month end. Last Updated On : Nov. 28, 2025
    KPIs: Key Performance Indicators

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    KPIs* Fund Nifty 500 TRI Cat. Avg Min | Max Rank (In Cat.) Performance
    1M Return % 1.39 1.42 0.82 -0.49 | 1.87 6 | 29 Very Good
    3M Return % 3.96 4.55 2.80 -0.49 | 5.19 6 | 29 Very Good
    6M Return % 3.91 4.55 3.05 -0.12 | 7.78 9 | 29 Good
    1Y Return % 3.41 3.43 4.21 -1.79 | 9.94 21 | 29 Average
    3Y Return % 18.77 15.37 13.47 6.56 | 24.62 3 | 26 Very Good
    5Y Return % 22.81 17.78 13.08 5.06 | 26.22 2 | 21 Very Good
    7Y Return % 19.52 16.09 12.55 8.61 | 19.52 1 | 10 Very Good
    1Y SIP Return % 12.01 10.12 4.59 | 21.50 8 | 29 Very Good
    3Y SIP Return % 15.51 11.71 4.49 | 23.92 5 | 26 Very Good
    5Y SIP Return % 18.28 12.02 4.58 | 23.89 3 | 21 Very Good
    7Y SIP Return % 20.92 13.09 7.72 | 20.92 1 | 10 Very Good
    Standard Deviation 10.92 8.14 1.11 | 14.75 17 | 26 Average
    Semi Deviation 7.90 5.99 0.79 | 10.78 17 | 26 Average
    Max Drawdown % -15.17 -9.97 -19.00 | -0.42 19 | 26 Average
    VaR 1 Y % -13.66 -9.74 -20.07 | 0.00 18 | 26 Average
    Average Drawdown % -6.75 -4.46 -10.45 | -0.15 20 | 26 Average
    Sharpe Ratio 1.03 0.71 -0.28 | 1.14 5 | 26 Very Good
    Sterling Ratio 0.70 0.62 0.46 | 0.88 5 | 26 Very Good
    Sortino Ratio 0.52 0.34 -0.10 | 0.58 4 | 26 Very Good
    Jensen Alpha % 4.75 3.03 -0.46 | 6.46 6 | 26 Very Good
    Treynor Ratio 0.14 0.11 -0.08 | 0.24 6 | 26 Very Good
    Modigliani Square Measure % 20.96 24.25 13.98 | 69.26 13 | 26 Good
    Alpha % 2.35 -2.24 -7.36 | 7.65 3 | 26 Very Good
    Return data last Updated On : Dec. 5, 2025.
    Other parameters, fund ranking, non return related analysis are updated after every month end. Last Updated On : Nov. 28, 2025
    KPIs: Key Performance Indicators

    Disclaimer: Past performance may or may not be sustained in future and should not be used as a basis for comparison with other investments. Returns for periods above 1 year are annualised.


    Date Hdfc Retirement Savings Fund - Equity Plan NAV Regular Growth Hdfc Retirement Savings Fund - Equity Plan NAV Direct Growth
    05-12-2025 51.872 58.979
    04-12-2025 51.716 58.8
    03-12-2025 51.656 58.73
    02-12-2025 51.677 58.752
    01-12-2025 51.88 58.981
    28-11-2025 51.952 59.058
    27-11-2025 52.063 59.182
    26-11-2025 52.175 59.308
    25-11-2025 51.652 58.712
    24-11-2025 51.734 58.803
    21-11-2025 51.94 59.032
    20-11-2025 52.215 59.343
    19-11-2025 52.071 59.178
    18-11-2025 51.922 59.006
    17-11-2025 52.131 59.243
    14-11-2025 51.882 58.955
    13-11-2025 51.944 59.023
    12-11-2025 51.865 58.932
    11-11-2025 51.6 58.629
    10-11-2025 51.39 58.389
    07-11-2025 51.143 58.103
    06-11-2025 51.205 58.171

    Fund Launch Date: 05/Feb/2016
    Fund Category: Retirement Fund
    Investment Objective: The investment objective of the Scheme is to provide longterm capital appreciation/income by investing in a mix of equity and debt instruments to help investors meet their retirement goals. There is no assurance that the investment objective of the Scheme will be realized.
    Fund Description: An open ended retirement solution oriented scheme having a lock-in of 5 years or till retirement age (whichever is earlier)
    Fund Benchmark: NIFTY 500 (Total Returns Index)
    Source: Fund FactSheet

    Disclaimer: NO INVESTMENT ADVICE. The Content is for informational purposes only.