Hdfc Retirement Savings Fund - Equity Plan Overview
Category Retirement Fund
BMSMONEY Rank 2
BMSMONEY Rating
Growth Option As On: 25-04-2024
NAV ₹45.14 (R) +0.82% ₹50.46 (D) +0.82%
Returns Gro. Opt. 1Y 3Y 5Y 7Y 10Y
LumpSum Reg. P 39.03% 26.22% 21.5% 17.35% -%
LumpSum Dir. P 40.61% 27.75% 23.0% 18.9% -%
SIP Reg. P 37.66% 26.13% 26.99% 21.93% -%
SIP Dir. P 39.23% 27.59% 28.51% 23.37% -%
Ratio Sharpe Ratio Sortino Ratio Sterling Ratio Jensen's Alpha Treynor Ratio
1.4 0.82 1.42 9.62% 0.2
Risk STD. Dev VaR 1Y95% Max DD Beta Semi Devi.
11.45% -11.67% -7.29% 0.79 7.82%

NAV Date: 25-04-2024

Scheme Name NAV Rupee Change Percent Change
HDFC Retirement Savings Fund - Equity Plan - Growth Option 45.14
0.3700
0.8200%
HDFC Retirement Savings Fund - Equity Plan - Growth Option - Direct Plan 50.46
0.4100
0.8200%

Review Date: March 28, 2024

Performance of the HDFC Retirement Savings Fund - Equity Plan has been analyzed on 20 performance parameters. Out of eight return parameters, the fund has seven return parameters in first quartile; whereas zero risk parameters (out of five) in first quartile. Similarly seven risk-adjusted performance parameters are in first quartile. Based on this performance HDFC Retirement Savings Fund - Equity Plan has achieved second (out of 25 funds), which is very good rank in the Retirement Fund category. Essentially, among its peer group of similar types of funds, it stands in the very good position, a testament to its successful track record. The Retirement Fund category has 25 funds.
Our ranking method uses a composite performance score to rank funds in a category. The score incorporates the fund's return, risk, and risk adjusted performance of the last three years.

The HDFC Retirement Savings Fund - Equity Plan has exellent return performance, as all 1 year and above return parameters are in top quartile of Retirement Fund category. The details are provided below.'
    '
  1. 1 Month Return%: One month return shows funds performance in very short period of time, the HDFC Retirement Savings Fund - Equity Plan has given return of 0.13% in last one month which is very poor as it is in the fourth quartile in Retirement Fund.
  2. 3 Month Return%: Three month return shows funds performance in short period of time, the HDFC Retirement Savings Fund - Equity Plan has given return of 5.2% in last three month which is very good as it is in the top quartile in Retirement Fund.
  3. 1 Year Return%: The HDFC Retirement Savings Fund - Equity Plan has given return of 41.85% in last one year which is very good as it is in the top quartile in Retirement Fund. The one year return rank of HDFC Retirement Savings Fund - Equity Plan is 4 in 25 funds. The investment of ₹ 10,000 in this fund would have become ₹ 14185.0 in one year.
  4. 3 Year Return%: The HDFC Retirement Savings Fund - Equity Plan has given return of 25.06% in last three year which is very good as it is in the top quartile with return rank of 2 in 25 funds. in Retirement Fund.
  5. 5 Year Return%: The HDFC Retirement Savings Fund - Equity Plan has given return of 20.5% in last five year which is very good as it is in the top quartile with return rank of 2 in 18 funds. in Retirement Fund.
  6. 1 Year SIP Return%: The HDFC Retirement Savings Fund - Equity Plan has given return of 17.46% in last one year which is very good as it is in the top quartile with return rank of 4 in 25 funds. in Retirement Fund.
  7. 3 Year SIP Return%: The HDFC Retirement Savings Fund - Equity Plan has given return of 23.54% in last three year which is very good as it is in the top quartile with return rank of 2 in 25 funds. in Retirement Fund.
  8. 5 Year SIP Return%: The HDFC Retirement Savings Fund - Equity Plan has given return of 25.82% in last five year which is very good as it is in the top quartile with return rank of 2 in 18 funds. in Retirement Fund.
    9. '
'

The HDFC Retirement Savings Fund - Equity Plan has poor risk performance, as non of above risk paramerters are above average Retirement Fund category. The details are provided below. '
    '
  1. Standard Deviation: It is a measure of the dispersion of a set of data from its mean. It is calculated as the square root of variance by determining the variation between each data point relative to the mean. The higher the standard deviation, the greater the risk. The HDFC Retirement Savings Fund - Equity Plan has standard deviation of 11.45 which is poor as it is in the below average with risk rank of 11 in 15 funds. in Retirement Fund.
  2. Semi Deviation: It is a measure of the dispersion of a set of data from its mean. It is calculated as the square root of variance by determining the variation between each data point relative to the mean. The higher the semi-deviation, the greater the risk. It uses only negative returns for calculation. The HDFC Retirement Savings Fund - Equity Plan has semi deviation of 7.82 which is very poor as it is in the fourth quartile with risk rank of 12 in 15 funds. in Retirement Fund.
  3. Max Drawdown %: It is the maximum observed loss from a peak to a trough of a portfolio before a new peak is attained. The HDFC Retirement Savings Fund - Equity Plan has max drawdown of -7.29% which is good as it is above average with risk rank of 7 in 15 funds. in Retirement Fund.
  4. 1Y VaR at 95%: It is the maximum expected loss of an investment over a given time period with a given probability of confidence. The HDFC Retirement Savings Fund - Equity Plan has 1Y VaR at 95% of -11.67% which is poor as it is in the below average with risk rank of 10 in 15 funds. in Retirement Fund.
  5. Average Drawdown %: It is the average of the drawdowns over a period of time. The HDFC Retirement Savings Fund - Equity Plan has average drawdown of -3.45% which is poor as it is in the below average with risk rank of 9 in 15 funds. in Retirement Fund.
    6. '
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The HDFC Retirement Savings Fund - Equity Plan has poor risk adjusted performance, as non of above risk adjusted paramerters are above average in Retirement Fund category. The details are provided below. '
    '
  1. Sterling Ratio: It is a measure of risk-adjusted return. The HDFC Retirement Savings Fund - Equity Plan has Sterling Ratio of 1.42 which is very good as it is in the top quartile with risk rank of 2 in 15 funds. in Retirement Fund.
  2. Sortino Ratio: It is a measure of risk-adjusted return. The HDFC Retirement Savings Fund - Equity Plan has Sortino Ratio of 0.82 which is very good as it is in the top quartile with risk rank of 1 in 15 funds. in Retirement Fund.
  3. Jensen Alpha %: It is a measure of risk-adjusted return. The HDFC Retirement Savings Fund - Equity Plan has Jensen Alpha of 9.62% which is very good as it is in the top quartile with risk rank of 2 in 15 funds. in Retirement Fund.
  4. Treynor Ratio: It is a measure of risk-adjusted return. The HDFC Retirement Savings Fund - Equity Plan has Treynor Ratio of 0.2 which is very good as it is in the top quartile with risk rank of 2 in 15 funds. in Retirement Fund.
  5. Modigliani Square Measure %: It is a measure of risk-adjusted return. The HDFC Retirement Savings Fund - Equity Plan has Modigliani Square Measure of 28.37% which is very good as it is in the top quartile with risk rank of 1 in 15 funds. in Retirement Fund.
  6. Alpha %: It is a measure of risk-adjusted return. The HDFC Retirement Savings Fund - Equity Plan has Alpha of 5.89% which is very good as it is in the top quartile with risk rank of 2 in 15 funds. in Retirement Fund.
    7. '
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KPIs* Fund Benchmark Cat. Avg Min | Max Rank (In Cat.) Better Than Cat. Avg In 1st Quartile In 4th Quartile
1M Return % 4.00
2.72
0.11 | 6.55 7 | 25
Yes
Yes
No
3M Return % 6.07
4.64
1.16 | 11.22 7 | 25
Yes
Yes
No
6M Return % 24.22
15.99
3.13 | 40.08 5 | 25
Yes
Yes
No
1Y Return % 39.03
25.65
4.68 | 60.51 4 | 25
Yes
Yes
No
3Y Return % 26.22
13.35
3.37 | 31.24 2 | 25
Yes
Yes
No
5Y Return % 21.50
11.52
4.02 | 21.87 2 | 18
Yes
Yes
No
7Y Return % 17.35
10.52
6.77 | 17.35 1 | 10
Yes
Yes
No
1Y SIP Return % 37.66
25.04
4.96 | 64.03 4 | 25
Yes
Yes
No
3Y SIP Return % 26.13
15.16
4.06 | 33.41 3 | 25
Yes
Yes
No
5Y SIP Return % 26.99
13.97
2.99 | 29.86 2 | 18
Yes
Yes
No
7Y SIP Return % 21.93
12.65
6.96 | 21.93 1 | 10
Yes
Yes
No
Standard Deviation 11.45
8.82
1.62 | 13.66 11 | 15
No
No
No
Semi Deviation 7.82
6.06
1.28 | 9.54 12 | 15
No
No
Yes
Max Drawdown % -7.29
-7.80
-13.93 | -1.99 7 | 15
Yes
No
No
VaR 1 Y % -11.67
-9.10
-14.54 | -2.14 10 | 15
No
No
No
Average Drawdown % -3.45
-3.24
-6.68 | -0.51 9 | 15
No
No
No
Sharpe Ratio 1.40
0.44
-2.36 | 1.40 1 | 15
Yes
Yes
No
Sterling Ratio 1.42
0.81
0.29 | 1.47 2 | 15
Yes
Yes
No
Sortino Ratio 0.82
0.30
-0.58 | 0.82 1 | 15
Yes
Yes
No
Jensen Alpha % 9.62
2.00
-4.52 | 12.55 2 | 15
Yes
Yes
No
Treynor Ratio 0.20
0.08
-0.03 | 0.23 2 | 15
Yes
Yes
No
Modigliani Square Measure % 28.37
14.86
2.75 | 28.37 1 | 15
Yes
Yes
No
Alpha % 5.89
0.44
-7.77 | 9.10 2 | 15
Yes
Yes
No
Return data last Updated On : April 25, 2024.
Other parameters, fund ranking, non return related analysis are updated after every month end. Last Updated On : March 28, 2024
KPIs: Key Performance Indicators

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KPIs* Fund Benchmark Cat. Avg Min | Max Rank (In Cat.) Better Than Cat. Avg In 1st Quartile In 4th Quartile
1M Return % 4.10 2.82 0.19 | 6.69 7 | 25
Yes
Yes
No
3M Return % 6.36 4.92 1.45 | 11.61 7 | 25
Yes
Yes
No
6M Return % 24.93 16.65 3.76 | 41.01 5 | 25
Yes
Yes
No
1Y Return % 40.61 27.10 5.95 | 62.67 4 | 25
Yes
Yes
No
3Y Return % 27.75 14.74 4.70 | 33.02 2 | 25
Yes
Yes
No
5Y Return % 23.00 12.96 5.41 | 23.77 2 | 18
Yes
Yes
No
7Y Return % 18.90 11.82 8.05 | 18.90 1 | 10
Yes
Yes
No
1Y SIP Return % 39.23 26.48 6.25 | 66.24 4 | 25
Yes
Yes
No
3Y SIP Return % 27.59 16.49 5.35 | 35.14 3 | 25
Yes
Yes
No
5Y SIP Return % 28.51 15.36 4.31 | 31.63 2 | 18
Yes
Yes
No
7Y SIP Return % 23.37 13.90 8.18 | 23.37 1 | 10
Yes
Yes
No
Standard Deviation 11.45 8.82 1.62 | 13.66 11 | 15
No
No
No
Semi Deviation 7.82 6.06 1.28 | 9.54 12 | 15
No
No
Yes
Max Drawdown % -7.29 -7.80 -13.93 | -1.99 7 | 15
Yes
No
No
VaR 1 Y % -11.67 -9.10 -14.54 | -2.14 10 | 15
No
No
No
Average Drawdown % -3.45 -3.24 -6.68 | -0.51 9 | 15
No
No
No
Sharpe Ratio 1.40 0.44 -2.36 | 1.40 1 | 15
Yes
Yes
No
Sterling Ratio 1.42 0.81 0.29 | 1.47 2 | 15
Yes
Yes
No
Sortino Ratio 0.82 0.30 -0.58 | 0.82 1 | 15
Yes
Yes
No
Jensen Alpha % 9.62 2.00 -4.52 | 12.55 2 | 15
Yes
Yes
No
Treynor Ratio 0.20 0.08 -0.03 | 0.23 2 | 15
Yes
Yes
No
Modigliani Square Measure % 28.37 14.86 2.75 | 28.37 1 | 15
Yes
Yes
No
Alpha % 5.89 0.44 -7.77 | 9.10 2 | 15
Yes
Yes
No
Return data last Updated On : April 25, 2024.
Other parameters, fund ranking, non return related analysis are updated after every month end. Last Updated On : March 28, 2024
KPIs: Key Performance Indicators

Investment Period Regular Direct
Return % Current Value of ₹ 10000 Return % Current Value of ₹ 10000
1D 0.82 ₹ 10082.0 0.82 ₹ 10082.0
1W 2.55 ₹ 10255.0 2.57 ₹ 10257.0
1M 4.0 ₹ 10400.0 4.1 ₹ 10410.0
3M 6.07 ₹ 10607.0 6.36 ₹ 10636.0
6M 24.22 ₹ 12422.0 24.93 ₹ 12493.0
1Y 39.03 ₹ 13903.0 40.61 ₹ 14061.0
3Y 26.22 ₹ 20109.0 27.75 ₹ 20849.0
5Y 21.5 ₹ 26474.0 23.0 ₹ 28154.0
7Y 17.35 ₹ 30638.0 18.9 ₹ 33591.0
10Y - ₹ - - ₹ -
15Y - ₹ - - ₹ -

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.

Investment Period Invested Amount Regular Direct
XIRR % Current Value of Invested Amount XIRR % Current Value of Invested Amount
1Y ₹ 12000 37.6574 ₹ 14327.784 39.2256 ₹ 14420.364
3Y ₹ 36000 26.1339 ₹ 52539.156 27.5898 ₹ 53585.64
5Y ₹ 60000 26.9915 ₹ 116816.4 28.5128 ₹ 121123.5
7Y ₹ 84000 21.9263 ₹ 183499.848 23.3717 ₹ 193152.456
10Y ₹ 120000 - ₹ - - ₹ -
15Y ₹ 180000 - ₹ - - ₹ -


Date NAV Regular Growth NAV Direct Growth
25-04-2024 45.136 50.46
24-04-2024 44.771 50.051
23-04-2024 44.552 49.804
22-04-2024 44.405 49.638
19-04-2024 44.012 49.194
18-04-2024 43.934 49.106
16-04-2024 44.042 49.223
15-04-2024 44.129 49.319
12-04-2024 44.648 49.895
09-04-2024 44.872 50.141
08-04-2024 44.904 50.175
05-04-2024 44.715 49.958
04-04-2024 44.573 49.798
03-04-2024 44.478 49.69
02-04-2024 44.391 49.591
01-04-2024 44.305 49.494
28-03-2024 43.929 49.068
27-03-2024 43.669 48.776
26-03-2024 43.4 48.474
22-03-2024 43.429 48.501
21-03-2024 43.151 48.19
20-03-2024 42.688 47.671
19-03-2024 42.712 47.696
18-03-2024 43.127 48.158
15-03-2024 42.941 47.946
14-03-2024 43.062 48.08
13-03-2024 42.576 47.535
12-03-2024 43.431 48.489
11-03-2024 43.719 48.809
07-03-2024 44.039 49.16
06-03-2024 43.969 49.08
05-03-2024 43.959 49.068
04-03-2024 43.997 49.108
01-03-2024 43.793 48.876
29-02-2024 43.467 48.51
28-02-2024 43.398 48.432
27-02-2024 43.871 48.958
26-02-2024 43.772 48.846
23-02-2024 43.723 48.788
22-02-2024 43.582 48.628
21-02-2024 43.37 48.39
20-02-2024 43.611 48.658
19-02-2024 43.573 48.613
16-02-2024 43.374 48.387
15-02-2024 43.085 48.063
14-02-2024 42.914 47.871
13-02-2024 42.649 47.573
12-02-2024 42.393 47.287
09-02-2024 42.98 47.937
08-02-2024 43.075 48.041
07-02-2024 43.294 48.284
06-02-2024 43.307 48.298
05-02-2024 42.883 47.823
02-02-2024 42.95 47.894
01-02-2024 42.847 47.776
31-01-2024 42.892 47.826
30-01-2024 42.431 47.31
29-01-2024 42.553 47.444
25-01-2024 42.108 46.942
24-01-2024 42.258 47.108
23-01-2024 41.815 46.613
19-01-2024 42.479 47.347
18-01-2024 42.103 46.927
17-01-2024 42.092 46.913
16-01-2024 42.655 47.539
15-01-2024 42.777 47.673
12-01-2024 42.494 47.354
11-01-2024 42.229 47.056
10-01-2024 42.055 46.861
09-01-2024 41.896 46.683
08-01-2024 41.743 46.511
05-01-2024 42.097 46.901
04-01-2024 41.972 46.761
03-01-2024 41.717 46.474
02-01-2024 41.654 46.403
01-01-2024 41.8 46.564
29-12-2023 41.756 46.512
28-12-2023 41.735 46.486
27-12-2023 41.573 46.304
26-12-2023 41.229 45.92
22-12-2023 41.029 45.691
21-12-2023 40.835 45.473
20-12-2023 40.578 45.186
19-12-2023 41.297 45.986
18-12-2023 41.196 45.871
15-12-2023 41.113 45.775
14-12-2023 40.872 45.506
13-12-2023 40.549 45.144
12-12-2023 40.359 44.931
11-12-2023 40.391 44.966
08-12-2023 40.288 44.847
07-12-2023 40.25 44.803
06-12-2023 40.227 44.775
05-12-2023 40.218 44.765
04-12-2023 40.085 44.615
01-12-2023 39.369 43.814
30-11-2023 39.122 43.538
29-11-2023 38.923 43.315
28-11-2023 38.62 42.977
24-11-2023 38.53 42.871
23-11-2023 38.52 42.858
22-11-2023 38.5 42.835
21-11-2023 38.517 42.852
20-11-2023 38.372 42.69
17-11-2023 38.336 42.646
16-11-2023 38.322 42.63
15-11-2023 38.199 42.491
13-11-2023 37.832 42.08
10-11-2023 37.755 41.991
09-11-2023 37.691 41.918
08-11-2023 37.72 41.948
07-11-2023 37.633 41.851
06-11-2023 37.569 41.779
03-11-2023 37.222 41.388
02-11-2023 36.985 41.124
01-11-2023 36.761 40.873
31-10-2023 36.873 40.997
30-10-2023 36.928 41.057
27-10-2023 36.792 40.901
26-10-2023 36.335 40.392
25-10-2023 36.613 40.7
23-10-2023 36.92 41.039
20-10-2023 37.586 41.775
19-10-2023 37.774 41.983
18-10-2023 37.799 42.01
17-10-2023 37.98 42.209
16-10-2023 37.846 42.059
13-10-2023 37.812 42.017
12-10-2023 37.876 42.088
11-10-2023 37.826 42.03
10-10-2023 37.64 41.822
09-10-2023 37.333 41.479
06-10-2023 37.65 41.828
05-10-2023 37.469 41.626
04-10-2023 37.315 41.454
03-10-2023 37.639 41.812
29-09-2023 37.701 41.876
27-09-2023 37.681 41.851
26-09-2023 37.593 41.751
25-09-2023 37.596 41.754
22-09-2023 37.585 41.738
21-09-2023 37.725 41.892
20-09-2023 38.05 42.251
18-09-2023 38.404 42.642
15-09-2023 38.529 42.777
14-09-2023 38.353 42.58
13-09-2023 38.162 42.366
12-09-2023 38.026 42.215
11-09-2023 38.536 42.779
08-09-2023 38.3 42.514
07-09-2023 38.171 42.368
06-09-2023 37.98 42.156
05-09-2023 37.929 42.097
04-09-2023 37.846 42.005
01-09-2023 37.665 41.8
31-08-2023 37.444 41.553
30-08-2023 37.403 41.506
29-08-2023 37.371 41.47
28-08-2023 37.295 41.384
25-08-2023 37.201 41.275
24-08-2023 37.423 41.521
23-08-2023 37.452 41.551
22-08-2023 37.287 41.366
21-08-2023 37.132 41.193
18-08-2023 36.913 40.947
17-08-2023 37.0 41.042
16-08-2023 37.05 41.097
14-08-2023 36.936 40.968
11-08-2023 37.098 41.143
10-08-2023 37.223 41.28
09-08-2023 37.323 41.39
08-08-2023 37.135 41.181
07-08-2023 37.071 41.108
04-08-2023 36.982 41.005
03-08-2023 36.804 40.807
02-08-2023 36.907 40.92
01-08-2023 37.329 41.386
31-07-2023 37.353 41.412
28-07-2023 37.1 41.127
27-07-2023 37.069 41.092
26-07-2023 37.077 41.1
25-07-2023 36.879 40.878
24-07-2023 36.814 40.805
21-07-2023 36.856 40.848
20-07-2023 37.008 41.015
19-07-2023 36.771 40.752
18-07-2023 36.492 40.441
17-07-2023 36.495 40.443
14-07-2023 36.247 40.164
13-07-2023 36.002 39.892
12-07-2023 35.988 39.875
11-07-2023 36.02 39.909
10-07-2023 35.751 39.609
07-07-2023 35.745 39.6
06-07-2023 35.931 39.804
05-07-2023 35.718 39.568
04-07-2023 35.616 39.453
03-07-2023 35.679 39.522
30-06-2023 35.543 39.367
28-06-2023 35.205 38.99
27-06-2023 34.964 38.723
26-06-2023 34.766 38.502
23-06-2023 34.63 38.347
22-06-2023 34.875 38.618
21-06-2023 34.984 38.737
20-06-2023 34.977 38.728
19-06-2023 34.957 38.704
16-06-2023 35.019 38.769
15-06-2023 34.756 38.476
14-06-2023 34.755 38.474
13-06-2023 34.668 38.377
12-06-2023 34.479 38.167
09-06-2023 34.356 38.027
08-06-2023 34.367 38.038
07-06-2023 34.524 38.211
06-06-2023 34.244 37.899
05-06-2023 34.214 37.865
02-06-2023 34.111 37.747
01-06-2023 33.998 37.621
31-05-2023 34.013 37.637
30-05-2023 33.934 37.548
29-05-2023 33.869 37.475
26-05-2023 33.716 37.302
25-05-2023 33.395 36.946
24-05-2023 33.412 36.964
23-05-2023 33.512 37.073
22-05-2023 33.521 37.082
19-05-2023 33.354 36.894
18-05-2023 33.296 36.828
17-05-2023 33.379 36.919
16-05-2023 33.386 36.926
15-05-2023 33.399 36.939
12-05-2023 33.192 36.707
11-05-2023 33.234 36.752
10-05-2023 33.241 36.759
09-05-2023 33.056 36.553
08-05-2023 33.11 36.611
05-05-2023 32.802 36.268
04-05-2023 33.081 36.575
03-05-2023 32.87 36.341
02-05-2023 32.828 36.293
28-04-2023 32.675 36.119
27-04-2023 32.465 35.886
26-04-2023 32.326 35.732
25-04-2023 32.221 35.615

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.