Should I invest in HDFC Retirement Savings Fund - Equity Plan?

We don't give personal investment advice. HDFC Retirement Savings Fund - Equity Plan - Growth Option is suitable for an investor whose:understands what asset class this scheme actually invests in (check the factsheet)matches that asset class's volatility profile to their goal horizonCross-check the numbers above against alternatives before deciding. Worst 5-year drawdown: 16.5%. 5-year CAGR: 13.17%.

HDFC

HDFC Retirement Savings Fund - Equity Plan - Growth Option

Latest NAV

₹46.8480

As of

3 Jun 2026

2,526 NAV records on file

NAV history & peer comparison

All NAVs split-adjusted and normalised to 100 at the start of the selected period, so funds with very different absolute NAV scales can be compared on one axis.

Period

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Returns matrix

Fund return alongside the category average and peer rank for every standard window. Returns under one year are absolute; one year and longer are compound annualised (CAGR).

Window	Fund	Category avg	+/− vs avg	Rank	Quartile
1D	+0.29%	+0.16%	+0.13	1 / 11	Q1
1W	-1.55%	-0.86%	-0.69	8 / 11	Q3
2W	-0.42%	+0.10%	-0.51	11 / 11	Q4
1M	-2.70%	-1.05%	-1.65	11 / 11	Q4
3M	-5.52%	-1.48%	-4.04	11 / 11	Q4
6M	-9.05%	-3.09%	-5.96	11 / 11	Q4
YTD	-9.42%	-3.28%	-6.14	11 / 11	Q4
1Y	-6.11%	+0.25%	-6.36	11 / 11	Q4
2Y	+0.10%	+3.39%	-3.29	11 / 11	Q4
3Y	+11.28%	+11.15%	+0.13	5 / 11	Q2
4Y	+13.87%	+11.57%	+2.31	5 / 11	Q2
5Y	+13.17%	+10.29%	+2.88	3 / 11	Q2
7Y	+15.29%	+10.25%	+5.04	2 / 11	Q1
10Y	+14.80%	+9.87%	+4.93	1 / 7	Q1
Inception	+16.27%	+10.54%	+5.72	2 / 11	Q1

Quartile legend: Q1 top 25% Q2 25-50% Q3 50-75% Q4 bottom 25%

Calendar-year returns

Full-year performance vs category average. Current year is partial (year-to-date).

Year	Fund	Category avg	+/− vs avg	Rank
2026 YTD	-9.42%	-3.28%	-6.14	11 / 11
2025	+4.62%	+5.70%	-1.07	7 / 11
2024	+17.87%	+15.02%	+2.85	5 / 11
2023	+31.88%	+21.68%	+10.19	2 / 11
2022	+8.57%	+2.84%	+5.73	1 / 11
2021	+41.93%	+20.89%	+21.04	2 / 11
2020	+17.99%	+10.17%	+7.82	1 / 11
2019	+4.86%	+6.46%	-1.60	5 / 7
2018	-5.69%	-1.56%	-4.13	5 / 7
2017	+36.67%	+22.74%	+13.93	1 / 7
2016	—	—	—	—

Rolling returns

Removes start-date bias by averaging CAGR over every overlapping N-year window in the fund's history. Higher average plus tight min/max plus high "% positive" = consistent.

1-Year rolling

+17.76%

113 windows

min -29.3% · max 84.0%

83% positive

3-Year rolling

+17.06%

89 windows

min -5.7% · max 36.6%

97% positive

5-Year rolling

+18.79%

65 windows

min 11.9% · max 29.0%

100% positive

7-Year rolling

+16.93%

40 windows

min 14.9% · max 18.6%

100% positive

Limited basis — fund is young, so this average may be skewed by which 7Y windows happen to be available.

SIP returns — historical "what if"

If you had invested every month in this fund over the chosen period, this is what your investment would be worth today.

Period

Total invested

₹ —

Today's value

₹ —

XIRR

Annualised

Wealth multiplier

Period	Total invested	Today's value	XIRR	Wealth multiplier

XIRR is the annualised internal rate of return on the SIP cash flow — invariant to the monthly amount. "Today's value" and "Total invested" scale linearly with the slider. Past performance does not guarantee future returns. Excludes exit load and taxes.

Risk profile

Risk-adjusted return and volatility, computed from monthly NAV returns over the trailing 3-year and 5-year windows.

Std deviation

12.21%

3-year · annualised

Sharpe ratio

0.41

vs risk-free 6.5%

Sortino ratio

0.61

Downside-only deviation

Max drawdown

-16.50%

Sep 2024 → Mar 2025

% positive months

66.7%

Share of monthly returns > 0 over the 3-year window

Sharpe / Sortino use a risk-free rate of 6.5% (1-year T-bill proxy). Higher Sharpe = more return per unit of total risk; higher Sortino = more return per unit of downside risk.

Peers in Retirement Fund

Scheme	Fund house	NAV	As of
HDFC Retirement Savings Fund - Equity Plan - Growth Option - Direct Plan	HDFC	₹53.5320	3 Jun 2026
Nippon India Retirement Fund- Income Generation Scheme- Direct Plan- Growth Plan - Growth Option	Nippon India	₹22.6936	3 Jun 2026
SBI Retirement Benefit Fund - Aggressive Hybrid Plan - Direct Plan - Growth	SBI	₹19.7204	3 Jun 2026
ICICI Prudential Retirement Fund - Hybrid Aggressive - Direct Plan - Growth Option	ICICI Prudential	₹30.3700	3 Jun 2026
Bandhan Retirement Fund - Direct Plan - Growth	Bandhan	₹12.8150	3 Jun 2026
Aditya Birla Sun Life Retirement Fund-The 30s Plan-Direct Growth	Aditya Birla Sun Life	₹23.5840	3 Jun 2026
Franklin India Retirement Fund - Direct - Growth	Franklin India	₹235.8290	3 Jun 2026
Baroda BNP Paribas Retirement Fund - Direct plan - Growth option	Baroda BNP Paribas	₹11.4604	3 Jun 2026
PGIM India Retirement Fund - Direct Plan - Growth Option	PGIM India	₹11.9600	3 Jun 2026
Axis Retirement Fund - Aggressive Plan - Direct Growth	Axis	₹19.4100	3 Jun 2026

Recent NAVs

Date	NAV
3 Jun 2026	₹46.8480
2 Jun 2026	₹47.0020
1 Jun 2026	₹46.8670
29 May 2026	₹47.1880
27 May 2026	₹47.7470
26 May 2026	₹47.7430
25 May 2026	₹47.9460
22 May 2026	₹47.4150
21 May 2026	₹47.3190
20 May 2026	₹47.2110

Frequently asked questions

These answers are generated from this fund's live metrics — NAV, returns, peer rank, drawdown, SIP backtest. Numbers refresh nightly after AMFI's NAV feed lands.

As of 03 Jun 2026, the NAV of HDFC Retirement Savings Fund - Equity Plan - Growth Option is ₹46.8480. It's a Retirement Fund from HDFC, run as a Unknown plan Growth option. NAVs update once per business day from the AMFI feed.

HDFC Retirement Savings Fund - Equity Plan - Growth Option has NAV history starting from 26 Feb 2016, a track record of about 10 years 3 months. That's enough history to evaluate the fund across one or two market cycles. Look at rolling returns rather than point-to-point to judge consistency.

HDFC Retirement Savings Fund - Equity Plan - Growth Option is managed by HDFC. It's classified by AMFI under the 'Retirement Fund' SEBI category, which determines its peer set and tax treatment.

Over the trailing 1-year window, HDFC Retirement Savings Fund - Equity Plan - Growth Option has delivered a absolute return of -6.11% — -6.36 pp behind the Retirement Fund category average of 0.25%. The fund ranks #11 of 11 in its category — the bottom (Q4) quartile.

Over the trailing 3-year window, HDFC Retirement Savings Fund - Equity Plan - Growth Option has delivered a CAGR of 11.28% — +0.13 pp ahead of the Retirement Fund category average of 11.15%. The fund ranks #5 of 11 in its category — the second (Q2) quartile.

Over the trailing 5-year window, HDFC Retirement Savings Fund - Equity Plan - Growth Option has delivered a CAGR of 13.17% — +2.88 pp ahead of the Retirement Fund category average of 10.29%. The fund ranks #3 of 11 in its category — the second (Q2) quartile.

₹1 lakh invested in HDFC Retirement Savings Fund - Equity Plan - Growth Option exactly 10 years ago would be worth approximately ₹397,648 today — a multiplier of 3.98×, based on the 10-year CAGR of 14.80%. The category average over the same window would have grown ₹1 lakh to ₹256,346.

A ₹10,000 monthly SIP in HDFC Retirement Savings Fund - Equity Plan - Growth Option over the last 5 years — total invested ₹600,000 — would be worth ₹757,829 today. That's an XIRR (money-weighted annualised return) of 9.27%.

A ₹10,000 monthly SIP for 10 years in HDFC Retirement Savings Fund - Equity Plan - Growth Option = ₹1,200,000 invested. It would currently be worth ₹2,529,333 (multiplier 2.11×). XIRR: 14.26%. Long-horizon SIP results matter more than point-to-point returns because they smooth out entry timing.

On a 5-year basis, HDFC Retirement Savings Fund - Equity Plan - Growth Option ranks #3 out of 11 funds in the Retirement Fund category — that places it in the second quartile (Q2) — above the median. The category average return over the same window is 10.29%; this fund delivered 13.17%.

The worst peak-to-trough decline HDFC Retirement Savings Fund - Equity Plan - Growth Option has experienced over the last 5-year window is 16.50% — its NAV fell from a high on 26 Sep 2024 to a low on 03 Mar 2025. Drawdown is a useful gauge of how much short-term pain you'd have endured to capture the long-term return.

Across all 5-year rolling windows, HDFC Retirement Savings Fund - Equity Plan - Growth Option averaged 18.79% (best 29.01%, worst 11.93%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is 0.56 — reasonable risk-adjusted performance.

In calendar year 2025, HDFC Retirement Savings Fund - Equity Plan - Growth Option returned 4.62% — lagging the Retirement Fund category average of 5.70% by 1.07 pp. It ranked #7 of 11 in its category that year.

HDFC Retirement Savings Fund - Equity Plan - Growth Option doesn't fit cleanly into the standard Equity/Debt buckets in our taxonomy. Tax treatment depends on actual asset allocation as disclosed by the AMC — check the factsheet or AMFI's classification table.

We don't give personal investment advice. HDFC Retirement Savings Fund - Equity Plan - Growth Option is suitable for an investor whose:

understands what asset class this scheme actually invests in (check the factsheet)
matches that asset class's volatility profile to their goal horizon

Cross-check the numbers above against alternatives before deciding. Worst 5-year drawdown: 16.5%. 5-year CAGR: 13.17%.

Educational content only — not investment advice. Tax rules summarised above reflect Budget 2024; consult a qualified adviser before transacting.