Hdfc Retirement Savings Fund - Equity Plan Datagrid
Category Retirement Fund
BMSMONEY Rank 19
Rating
Growth Option 09-09-2026
NAV ₹47.81(R) -0.98% ₹54.77(D) -0.97%
Returns 1Y 3Y 5Y 7Y 10Y
Lumpsum Regular -4.76% 7.45% 10.98% 16.87% 13.65%
Direct -3.81% 8.58% 12.23% 18.23% 15.11%
Nifty 500 TRI 0.95% 10.2% 10.23% 15.53% 12.94%
SIP (XIRR) Regular -6.18% 1.25% 8.49% 13.8% 13.86%
Direct -5.26% 2.32% 9.71% 15.17% 15.24%
Ratio Sharpe Ratio Sortino Ratio Sterling Ratio Jensen's Alpha Treynor Ratio
0.34 0.16 0.42 -0.42% 0.06
Risk STD. Dev VaR 1Y95% Max DD Beta Semi Devi.
13.36% -17.36% -15.17% 0.81 10.13%
Fund AUM As on: 30/12/2025 6976 Cr
Top Retirement Fund
Fund Name Rank Rating
ICICI Prudential Retirement Fund - Hybrid Aggressive Plan 1
ICICI Prudential Retirement Fund - Pure Equity Plan 2
Aditya Birla Sun Life Retirement Fund - The 30s Plan 3
ICICI Prudential Retirement Fund - Hybrid Conservative Plan 4
Union Retirement Fund 5
UTI Retirement Fund 6

NAV Date: 09-09-2026

Scheme Name NAV Rupee Change Percent Change
HDFC Retirement Savings Fund - Equity Plan - Growth Option 47.81
-0.4700
-0.9800%
HDFC Retirement Savings Fund - Equity Plan - Growth Option - Direct Plan 54.77
-0.5400
-0.9700%

Review Date: 09-09-2026

Beginning of Analysis

In the Retirement Fund category, HDFC Retirement Savings Fund - Equity Plan is the third ranked fund. The category has total 26 funds. The 5 star rating shows an excellent past performance of the HDFC Retirement Savings Fund - Equity Plan in Retirement Fund. The fund has a Jensen Alpha of -0.42% which is lower than the category average of 0.09%. The fund has a Sharpe Ratio of 0.34 which is lower than the category average of 0.38.
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 -3.6%, 2.45 and 0.23 in last one, three and six months respectively. In the same period the category average return was -1.62%, 3.6% and 5.65% respectively.
  • HDFC Retirement Savings Fund - Equity Plan has given a return of -3.81% in last one year. In the same period the Nifty 500 TRI return was 0.95%. The fund has given 4.76% less return than the benchmark return.
  • The fund has given a return of 8.58% in last three years and rank 14th out of twenty six funds in the category. In the same period the Nifty 500 TRI return was 10.2%. The fund has given 1.62% less return than the benchmark return.
  • HDFC Retirement Savings Fund - Equity Plan has given a return of 12.23% in last five years and category average returns is 9.42% in same period. The fund ranked 4th out of twenty five funds in the category. In the same period the Nifty 500 TRI return was 10.23%. The fund has given 2.0% more return than the benchmark return.
  • The fund has given a return of 15.11% in last ten years and ranked 1st out of ten funds in the category. In the same period the Nifty 500 TRI return was 12.94%. The fund has given 2.17% more return than the benchmark return.
  • The fund has given a SIP return of -5.26% in last one year whereas category average SIP return is 4.91%. The fund one year return rank in the category is 28th in 29 funds
  • The fund has SIP return of 2.32% in last three years and ranks 23rd in 26 funds. Aditya Birla Sun Life Retirement Fund - The 30s Plan has given the highest SIP return (15.25%) in the category in last three years.
  • The fund has SIP return of 9.71% in last five years whereas category average SIP return is 9.31%.

HDFC Retirement Savings Fund - Equity Plan Risk Analysis

  • The fund has a standard deviation of 13.36 and semi deviation of 10.13. The category average standard deviation is 9.64 and semi deviation is 7.17.
  • The fund has a Value at Risk (VaR) of -17.36 and a maximum drawdown of -15.17. The category average VaR is -12.9 and the maximum drawdown is -10.32. 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 % -3.67 -3.26
    -1.71
    		-3.83 | -0.19 28 | 29 Poor
    3M Return % 2.20 3.11
    3.31
    		0.80 | 6.89 19 | 29 Average
    6M Return % -0.26 4.77
    5.05
    		-1.24 | 17.89 27 | 29 Poor
    1Y Return % -4.76 0.95
    2.76
    		-4.88 | 13.82 28 | 29 Poor
    3Y Return % 7.45 10.20
    8.66
    		4.88 | 17.51 14 | 26 Good
    5Y Return % 10.98 10.23
    8.17
    		3.87 | 18.01 3 | 25 Very Good
    7Y Return % 16.87 15.53
    10.61
    		4.02 | 19.54 2 | 18 Very Good
    10Y Return % 13.65 12.94
    9.36
    		5.98 | 13.65 1 | 10 Very Good
    1Y SIP Return % -6.18
    3.75
    		-6.81 | 18.39 27 | 28 Poor
    3Y SIP Return % 1.25
    4.84
    		0.51 | 13.76 22 | 25 Poor
    5Y SIP Return % 8.49
    8.04
    		3.79 | 17.05 8 | 24 Good
    7Y SIP Return % 13.80
    9.84
    		3.86 | 19.94 3 | 17 Very Good
    10Y SIP Return % 13.86
    9.42
    		5.90 | 13.86 1 | 10 Very Good
    Standard Deviation 13.36
    9.65
    		1.31 | 16.38 17 | 26 Average
    Semi Deviation 10.13
    7.17
    		0.96 | 11.68 18 | 26 Average
    Max Drawdown % -15.17
    -10.32
    		-19.00 | -0.74 19 | 26 Average
    VaR 1 Y % -17.36
    -12.90
    		-25.74 | -0.37 16 | 26 Average
    Average Drawdown % 8.68
    5.15
    		0.38 | 11.62 4 | 26 Very Good
    Sharpe Ratio 0.34
    0.38
    		-0.55 | 0.91 15 | 26 Average
    Sterling Ratio 0.42
    0.51
    		0.33 | 0.81 23 | 26 Poor
    Sortino Ratio 0.16
    0.18
    		-0.19 | 0.46 14 | 26 Good
    Jensen Alpha % -0.42
    0.09
    		-3.62 | 6.21 14 | 26 Good
    Treynor Ratio 0.06
    0.07
    		-0.19 | 0.19 16 | 26 Average
    Modigliani Square Measure % 5.20
    5.75
    		-8.49 | 14.04 15 | 26 Average
    Alpha % -2.31
    -3.60
    		-9.58 | 8.09 8 | 26 Good
    Return data last Updated On : Sept. 9, 2026.
    Other parameters, fund ranking, non return related analysis are updated after every month end. Last Updated On : June 30, 2026
    KPIs: Key Performance Indicators

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    KPIs* Fund Nifty 500 TRI Cat. Avg Min | Max Rank (In Cat.) Performance
    1M Return % -3.60 -3.26 -1.62 -3.76 | -0.10 28 | 29 Poor
    3M Return % 2.45 3.11 3.60 1.05 | 7.27 19 | 29 Average
    6M Return % 0.23 4.77 5.65 -0.72 | 18.69 27 | 29 Poor
    1Y Return % -3.81 0.95 3.92 -3.84 | 15.34 28 | 29 Poor
    3Y Return % 8.58 10.20 9.88 6.05 | 19.13 14 | 26 Good
    5Y Return % 12.23 10.23 9.42 5.09 | 19.65 4 | 25 Very Good
    7Y Return % 18.23 15.53 11.99 5.32 | 21.29 2 | 18 Very Good
    10Y Return % 15.11 12.94 10.64 7.24 | 15.11 1 | 10 Very Good
    1Y SIP Return % -5.26 4.91 -5.81 | 19.96 28 | 29 Poor
    3Y SIP Return % 2.32 6.07 1.66 | 15.25 23 | 26 Poor
    5Y SIP Return % 9.71 9.31 4.97 | 18.68 10 | 25 Good
    7Y SIP Return % 15.17 11.16 5.09 | 21.66 4 | 18 Very Good
    10Y SIP Return % 15.24 10.67 7.12 | 15.24 1 | 10 Very Good
    Standard Deviation 13.36 9.65 1.31 | 16.38 17 | 26 Average
    Semi Deviation 10.13 7.17 0.96 | 11.68 18 | 26 Average
    Max Drawdown % -15.17 -10.32 -19.00 | -0.74 19 | 26 Average
    VaR 1 Y % -17.36 -12.90 -25.74 | -0.37 16 | 26 Average
    Average Drawdown % 8.68 5.15 0.38 | 11.62 4 | 26 Very Good
    Sharpe Ratio 0.34 0.38 -0.55 | 0.91 15 | 26 Average
    Sterling Ratio 0.42 0.51 0.33 | 0.81 23 | 26 Poor
    Sortino Ratio 0.16 0.18 -0.19 | 0.46 14 | 26 Good
    Jensen Alpha % -0.42 0.09 -3.62 | 6.21 14 | 26 Good
    Treynor Ratio 0.06 0.07 -0.19 | 0.19 16 | 26 Average
    Modigliani Square Measure % 5.20 5.75 -8.49 | 14.04 15 | 26 Average
    Alpha % -2.31 -3.60 -9.58 | 8.09 8 | 26 Good
    Return data last Updated On : Sept. 9, 2026.
    Other parameters, fund ranking, non return related analysis are updated after every month end. Last Updated On : June 30, 2026
    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
    09-09-2026 47.808 54.767
    08-09-2026 48.279 55.306
    07-09-2026 48.512 55.571
    04-09-2026 48.711 55.794
    03-09-2026 48.764 55.854
    02-09-2026 48.666 55.74
    01-09-2026 48.964 56.08
    31-08-2026 49.1 56.235
    28-08-2026 49.144 56.281
    27-08-2026 49.081 56.207
    26-08-2026 49.228 56.374
    25-08-2026 49.211 56.352
    24-08-2026 49.098 56.222
    21-08-2026 49.165 56.295
    20-08-2026 49.121 56.242
    19-08-2026 48.829 55.906
    18-08-2026 48.983 56.081
    17-08-2026 49.189 56.316
    14-08-2026 49.268 56.401
    13-08-2026 49.357 56.502
    12-08-2026 49.421 56.574
    11-08-2026 49.535 56.703
    10-08-2026 49.63 56.81

    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.