HDFC Retirement Savings Fund-Hybrid Equity-Dir (G)


Retirement Fund
  • NAV 35.76 (0.08%)
  • Fund Size (Cr) ₹1139.69
  • Expense Ratio 0.96
  • Scheme Type Active Fund
  • Value Research
  • Minimum investment ₹100
  • Minimum Additional Investment ₹0
  • Minimum SIP Investment ₹100
  • Minimum Withdrawal ₹100
  • Exit Load 0%
  • Return Since Launch 17.77%

Basic Details

Scheme Manager
Srinivasan Ramamurthy
Bench Mark
NIFTY 50 Hybrid Composite Debt 65:35 Index
Type
OPEN

Lumpsum Returns

  • Period Invested For
  • ₹10000 Invested on
  • Latest Value
  • Absolute Returns
  • Annualised Returns
  • Category Avg
  • Rank within Category
  • 1 Week
  • 30-Nov-23
  • 10215.85
  • 2.16%
  • -
  • 1.84%
  • 39/98
  • 1 Month
  • 07-Nov-23
  • 10547.86
  • 5.48%
  • -
  • 4.78%
  • 41/98
  • 3 Month
  • 07-Sep-23
  • 10467.22
  • 4.67%
  • -
  • 4.33%
  • 35/94
  • 6 Month
  • 07-Jun-23
  • 11342.01
  • 13.42%
  • -
  • 11.10%
  • 33/94
  • 1 Year
  • 07-Dec-22
  • 12200.56
  • 22.01%
  • 22.01%
  • 15.27%
  • 23/94
  • 3 Year
  • 07-Dec-20
  • 17329.29
  • 73.29%
  • 20.11%
  • 12.19%
  • 13/74
  • 5 Year
  • 07-Dec-18
  • 21656.36
  • 116.56%
  • 16.71%
  • 11.66%
  • 3/30
  • Since Inception
  • 25-Feb-16
  • 35733
  • 257.33%
  • 17.77%
  • 11.74%
  • 19/98

SIP Returns

  • Period Invested For
  • ₹10000 Invested on
  • Investments
  • Latest Value
  • Absolute Returns
  • Annualised Returns
  • 1 Year
  • 02-Jan-23
  • 120000
  • 136495.86
  • 13.75%
  • 13.75%
  • 3 Year
  • 01-Jan-21
  • 360000
  • 467825.96
  • 29.95%
  • 9.13%
  • 5 Year
  • 01-Jan-19
  • 600000
  • 961009.31
  • 60.17%
  • 9.88%
  • 10 Year
  • 01-Mar-16
  • 940000
  • 1812267.25
  • 92.79%
  • 6.78%

Tax Treatment

If sold after 1 year from purchase date, long term capital gain tax will be applicable. Current tax rate is 10%, if your total long term capital gain exceeds 1 lakh. Any cess/surcharge is not included.If sold before 1 year from purchase date, short term capital gain tax will be applicable. Current tax rate is 15%. Any cess/surcharge is not included in the 15%.

Mutual Funds Calculator

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Risk Ratios

  • Standard Deviation
    0.41%
  • Beta
    0.59%
  • Sharpe Ratio
    0.14%
  • Treynor’s Ratio
    0.10%
  • Jension’s Alpha
    0.05%

Asset Allocation

There is no Asset Allocation data.

Sector Allocation

There is no Sector Allocation data.

Top 10 stock holding in portfolio

  • Stock Invested in
  • % of Total Holdings
  • Quantity
  • Value (Cr)
  • Asset Type
  • Segment
  • HDFC Bank
  • 5.94%
  • 460000
  • 71.70
  • Equity
  • Banks
  • ICICI Bank
  • 5.04%
  • 650000
  • 60.77
  • Equity
  • Banks
  • Reliance Industr
  • 2.95%
  • 150000
  • 35.66
  • Equity
  • Refineries
  • Larsen & Toubro
  • 2.52%
  • 97998
  • 30.47
  • Equity
  • Infrastructure Developers & Operators
  • Infosys
  • 2.49%
  • 206858
  • 30.10
  • Equity
  • IT - Software
  • St Bk of India
  • 2.34%
  • 500000
  • 28.24
  • Equity
  • Banks
  • ITC
  • 2.17%
  • 600000
  • 26.15
  • Equity
  • Tobacco Products
  • Axis Bank
  • 2.14%
  • 240000
  • 25.78
  • Equity
  • Banks
  • Bharti Airtel
  • 2.1%
  • 250000
  • 25.37
  • Equity
  • Telecomm-Service
  • Bajaj Auto
  • 1.77%
  • 35000
  • 21.32
  • Equity
  • Automobile

Peer Comparison

  • Scheme Name
  • Value Research
  • Asset Size (Cr)
  • 1M
  • 3M
  • 6M
  • 1Y
  • 3Y
  • HDFC Retirement Savings Fund-Hybrid Equity-Dir (G)
  • 1139.69
  • 5.48%
  • 4.67%
  • 13.42%
  • 22.01%
  • 20.11%
  • ICICI Pru Retirement Fund - Pure Equity - Dir (G)
  • 367.25
  • 11.00%
  • 9.11%
  • 23.49%
  • 29.86%
  • 28.63%
  • ICICI Pru Retirement Fund - Pure Equity - Dir (IDCW)
  • 367.25
  • 10.96%
  • 9.11%
  • 23.44%
  • 29.81%
  • 28.61%
  • HDFC Retirement Savings Fund - Equity - Dir (G)
  • 3739.41
  • 7.05%
  • 5.75%
  • 17.25%
  • 27.74%
  • 28.50%
  • Union Retirement Fund - Direct (G)
  • 90.81
  • 7.62%
  • 7.08%
  • 19.85%
  • 25.34%
  • -
  • Union Retirement Fund - Direct (IDCW)
  • 90.81
  • 7.62%
  • 7.08%
  • 19.85%
  • 25.34%
  • -

News

  • HDFC Balanced Advantage Fund Announces Income Distribution cum Capital Withdrawal (IDCW) HDFC Mutual Fund has announced 28 November 2023 as the record date for declaration of distribution under the regular plan-IDCW option (payout & reinvestment) and direct plan-IDCW option (payout & reinvestment) of HDFC Balanced Advantage Fund. The amount of the distribution will be Rs 0.230 per unit under each plan / option on the face value of Rs 10 per unit.

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  • HDFC Arbitrage Fund Announces IDCW HDFC Mutual Fund has announced 23 November 2023 as the record date for declaration of Income Distribution cum Capital Withdrawal (IDCW) on the face value of Rs 10 per unit under the regular plan IDCW & monthly IDCW option and direct plan IDCW & monthly IDCW option of HDFC Arbitrage Fund. The amount of distribution (Rs per unit) will be:

    HDFC Arbitrage Fund ? Wholesale Plan ? Regular Plan ? Normal IDCW Option (Payout & Reinvestment): 0.050

    HDFC Arbitrage Fund ? Wholesale Plan ? Direct Plan ? Normal IDCW Option (Payout & Reinvestment): 0.050

    HDFC Arbitrage Fund ? Wholesale Plan ? Regular Plan ? Monthly IDCW Option (Payout & Reinvestment): 0.050

    HDFC Arbitrage Fund ? Wholesale Plan ? Direct Plan ? Monthly IDCW Option (Payout & Reinvestment): 0.050

    Powered by Capital Market - Live News

  • HDFC Mutual Fund Announces Income Distribution cum Capital Withdrawal (IDCW) under its scheme HDFC Mutual Fund has announced 21 November 2023 as the record date for declaration of IDCW under the following schemes. The amount of IDCW (Rs per unit) on the face value of Rs 10 per unit will be:

    HDFC Charity Fund for Cancer Cure - Regular Plan 50% IDCW Donation Option: 0.1636

    HDFC Charity Fund for Cancer Cure - Direct Plan 50% IDCW Donation Option: 0.1639

    HDFC Charity Fund for Cancer Cure - Regular Plan 75% IDCW Donation Option: 0.1636

    HDFC Charity Fund for Cancer Cure - Direct Plan 75% IDCW Donation Option: 0.1639

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Fund House Details & Investment Objective

  • Date of Incorporation 05-Feb-2016
  • Total AUM (Cr) ₹1206.92

HDFC Retirement Savings Fund-Hybrid Equity-Dir (G) is an Retirement Fund-oriented fund from the renowned AMC, HDFC Mutual Fund. Launched in Feb 2016, this fund is managed by Srinivasan Ramamurthy. With assets under management (AUM) worth ₹1206.92 (Cr), as of 08-Dec-2023, HDFC Retirement Savings Fund-Hybrid Equity-Dir (G) is categorized as a Retirement Fund within its segment. The fund has generated a return of 17.77% since its launch.
The current NAV of HDFC Retirement Savings Fund-Hybrid Equity-Dir (G) is ₹35.76, as on 08-Dec-2023. The fund’s benchmark index is NIFTY 50 Hybrid Composite Debt 65:35 Index. You can invest in HDFC Retirement Savings Fund-Hybrid Equity-Dir (G) via both lumpsum and SIP modes. The minimum SIP amount in the fund is ₹100 while the minimum lumpsum investment is ₹100.
Being an open-ended fund, you can exit the fund anytime subject to applicable exit loads:
Exit load is not applicable
The fund has generated 20.11% and 16.71% CAGR in the last 3 and 5 years respectively.

The fund aims to provide long-term capital appreciation and growth, by investing in a mix of financial instruments 71.56% in Equity, 27.92% in Debt and 0.52% in cash and cash equivalents
The top 5 sectors the fund invests in are: 28.3% in Debt, 17.04% in Banks, 5.49% in Pharmaceuticals & Biotechnology, 5.25% in IT-Software and 4.37% in Auto Components.

FAQs on HDFC Retirement Savings Fund-Hybrid Equity-Dir (G)

HDFC Retirement Savings Fund-Hybrid Equity-Dir (G) is a popular fund in the Retirement Fund segment. The fund has generated a return of 17.77% since inception. Looking to invest in HDFC Retirement Savings Fund-Hybrid Equity-Dir (G)? How about earning 1% extra return? All this is possible with m.Stock! Investing in HDFC Retirement Savings Fund-Hybrid Equity-Dir (G) is super easy and convenient with m.Stock. Here’s how you can begin:

  • Login to your m.Stock account. If you do not have an account, open m.Stock Demat account and enjoy 1% extra returns plus Zero Brokerage across products for life.
  • In the ‘Menu’ section, under ‘Products’, select ‘Mutual Funds’ .
  • In the search bar, enter the fund name, in this case, HDFC Retirement Savings Fund-Hybrid Equity-Dir (G)
  • On the top right corner you’ll see two options – Lumpsum and SIP. You can choose either based on your risk appetite and available investible corpus.
  • If you choose to invest a Lumpsum: Enter amount, select payment mode (UPI or Netbanking), and click on ‘invest a lumpsum’. Make the payment and your lumpsum investment is complete.
  • If you choose the SIP route, then enter SIP amount, SIP date, and set up ‘Autopay’ facility.

So, why wait? Invest in HDFC Retirement Savings Fund-Hybrid Equity-Dir (G) today and reap the benefits of this Retirement Fund fund!

In the short term, i.e., 1 year, HDFC Retirement Savings Fund-Hybrid Equity-Dir (G) has generated annualised return of 22.01%. In the long-term, the fund has generated 20.11% and 16.71% in 3 and 5 years respectively. Since its inception, the fund has generated 17.77% returns.

The expense ratio of HDFC Retirement Savings Fund-Hybrid Equity-Dir (G) Direct Growth is 0.96%. Expense ratio is the fees payable by investors of the scheme towards management, research and overall upkeep of the fund. The higher the expense ratio, the lower is the in-hand return for the investor. Expense ratio for direct plans is lower than regular plans, making them ideal for investors.

The Assets Under Management (AUM) of HDFC Retirement Savings Fund-Hybrid Equity-Dir (G) is ₹1206.92 (Cr) as of 08 December 2023. AUM shows the fund’s popularity and is often indicative of fund strength.

Redeeming or selling units of HDFC Retirement Savings Fund-Hybrid Equity-Dir (G) is relatively simple. But before you redeem, ensure that the fund has completed the minimum lock-in period else you will be charged an exit load.

To redeem from HDFC Retirement Savings Fund-Hybrid Equity-Dir (G):

  • Login to your m.Stock account
  • In portfolio, your mutual fund investments will be visible under ‘MF’
  • Select the fund you wish to redeem from (in this case HDFC Retirement Savings Fund-Hybrid Equity-Dir (G)).
  • Click on ‘Redeem’ button
  • You have 2 options – redeem by units and redeem by value (you can only redeem free units)
  • Select units to be redeemed and click on submit.
  • Redemption value will be credited to your account in 2-3 working days (as per timelines set by SEBI).

Yes, you can invest both lumpsum and SIP in HDFC Retirement Savings Fund-Hybrid Equity-Dir (G). Minimum lumpsum investment HDFC Retirement Savings Fund-Hybrid Equity-Dir (G) is ₹100 and minimum SIP amount is ₹100. Lumpsum option is ideal for investors with higher investible corpus and market experience. SIP option is recommended for retail investors who do not have the time or expertise to time the market.

The latest NAV (Net Asset Value) of HDFC Retirement Savings Fund-Hybrid Equity-Dir (G) is ₹35.76 as on 08 December 2023.

The 5 biggest stock holdings of HDFC Retirement Savings Fund-Hybrid Equity-Dir (G) are:
HDFC Bank (5.94%), ICICI Bank (5.04%), Reliance Industr (2.95%), Larsen & Toubro (2.52%), Infosys (2.49%)

A majority of HDFC Retirement Savings Fund-Hybrid Equity-Dir (G) 's AUM worth ₹1206.92 (Cr) is invested in these 3 top sectors:

  • Debt: 28.3%
  • Banks: 17.04%
  • Pharmaceuticals & Biotechnology: 5.49%

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