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 - Direct Plan 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: 16.1%. 5-year CAGR: 13.73%.

HDFC

HDFC Retirement Savings Fund - Equity Plan - Growth Option - Direct Plan

Latest NAV

₹55.9750

As of

17 Jul 2026

2,557 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	+0.50%	+0.15%	+0.34	3 / 30	Q1
1W	+0.14%	-0.05%	+0.20	4 / 30	Q1
2W	-0.05%	+0.24%	-0.29	25 / 30	Q4
1M	+1.27%	+1.44%	-0.17	19 / 30	Q3
3M	+0.20%	+2.97%	-2.77	29 / 30	Q4
6M	-3.64%	+2.28%	-5.92	30 / 30	Q4
YTD	-5.20%	+1.24%	-6.44	30 / 30	Q4
1Y	-3.22%	+2.97%	-6.18	30 / 30	Q4
2Y	-0.07%	+4.32%	-4.39	30 / 30	Q4
3Y	+11.44%	+11.33%	+0.12	12 / 27	Q2
4Y	+16.07%	+12.57%	+3.50	7 / 26	Q2
5Y	+13.73%	+10.51%	+3.22	3 / 26	Q1
7Y	+18.01%	+11.63%	+6.38	2 / 19	Q1
10Y	+16.19%	+11.20%	+4.99	1 / 11	Q1
Inception	+18.02%	+11.61%	+6.42	2 / 30	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	-5.20%	+1.24%	-6.44	30 / 30
2025	+5.68%	+5.89%	-0.21	15 / 30
2024	+19.19%	+15.71%	+3.48	10 / 28
2023	+33.39%	+21.10%	+12.29	2 / 27
2022	+9.95%	+2.72%	+7.22	1 / 26
2021	+43.66%	+18.09%	+25.57	2 / 22
2020	+19.49%	+13.07%	+6.42	2 / 22
2019	+6.22%	+8.63%	-2.41	9 / 11
2018	-4.18%	-0.39%	-3.78	8 / 11
2017	+38.87%	+26.41%	+12.46	3 / 11
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

+19.43%

115 windows

min -22.0% · max 78.6%

86% positive

3-Year rolling

+18.88%

91 windows

min -2.5% · max 38.8%

97% positive

5-Year rolling

+20.31%

66 windows

min 13.7% · max 32.8%

100% positive

7-Year rolling

+18.51%

42 windows

min 16.5% · max 20.7%

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

12.01%

3-year · annualised

Sharpe ratio

0.43

vs risk-free 6.5%

Sortino ratio

0.69

Downside-only deviation

Max drawdown

-16.12%

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 - Hybrid-Debt Plan - Growth Option - Direct Plan	HDFC	₹24.9635	17 Jul 2026
Nippon India Retirement Fund- Income Generation Scheme- Direct Plan- Growth Plan - Growth Option	Nippon India	₹23.4880	17 Jul 2026
SBI Retirement Benefit Fund - Aggressive Hybrid Plan - Direct Plan - Growth	SBI	₹20.6550	17 Jul 2026
ICICI Prudential Retirement Fund - Hybrid Aggressive - Direct Plan - Growth Option	ICICI Prudential	₹31.3300	17 Jul 2026
Bandhan Retirement Fund - Direct Plan - Growth	Bandhan	₹13.2520	17 Jul 2026
Aditya Birla Sun Life Retirement Fund-The 30s Plan-Direct Growth	Aditya Birla Sun Life	₹25.1110	17 Jul 2026
Franklin India Retirement Fund - Direct - Growth	Franklin India	₹241.8786	17 Jul 2026
Baroda BNP Paribas Retirement Fund - Direct plan - Growth option	Baroda BNP Paribas	₹11.9607	17 Jul 2026
PGIM India Retirement Fund - Direct Plan - Growth Option	PGIM India	₹12.6800	17 Jul 2026
Axis Retirement Fund - Aggressive Plan - Direct Growth	Axis	₹20.3300	17 Jul 2026

Recent NAVs

Date	NAV
17 Jul 2026	₹55.9750
16 Jul 2026	₹55.6980
15 Jul 2026	₹55.7170
14 Jul 2026	₹55.6250
13 Jul 2026	₹55.9920
10 Jul 2026	₹55.8940
9 Jul 2026	₹55.3000
8 Jul 2026	₹55.0750
7 Jul 2026	₹56.2310
6 Jul 2026	₹56.2400

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 17 Jul 2026, the NAV of HDFC Retirement Savings Fund - Equity Plan - Growth Option - Direct Plan is ₹55.9750. It's a Retirement Fund from HDFC, run as a Direct plan Growth option. NAVs update once per business day from the AMFI feed.

HDFC Retirement Savings Fund - Equity Plan - Growth Option - Direct Plan has NAV history starting from 26 Feb 2016, a track record of about 10 years 4 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 - Direct Plan 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 - Direct Plan has delivered a absolute return of -3.22% — -6.18 pp behind the Retirement Fund category average of 2.97%. The fund ranks #30 of 30 in its category — the bottom (Q4) quartile.

Over the trailing 3-year window, HDFC Retirement Savings Fund - Equity Plan - Growth Option - Direct Plan has delivered a CAGR of 11.44% — +0.12 pp ahead of the Retirement Fund category average of 11.33%. The fund ranks #12 of 27 in its category — the second (Q2) quartile.

Over the trailing 5-year window, HDFC Retirement Savings Fund - Equity Plan - Growth Option - Direct Plan has delivered a CAGR of 13.73% — +3.22 pp ahead of the Retirement Fund category average of 10.51%. The fund ranks #3 of 26 in its category — the top (Q1) quartile.

₹1 lakh invested in HDFC Retirement Savings Fund - Equity Plan - Growth Option - Direct Plan exactly 10 years ago would be worth approximately ₹448,264 today — a multiplier of 4.48×, based on the 10-year CAGR of 16.19%. The category average over the same window would have grown ₹1 lakh to ₹289,121.

A ₹10,000 monthly SIP in HDFC Retirement Savings Fund - Equity Plan - Growth Option - Direct Plan over the last 5 years — total invested ₹600,000 — would be worth ₹798,657 today. That's an XIRR (money-weighted annualised return) of 11.38%.

A ₹10,000 monthly SIP for 10 years in HDFC Retirement Savings Fund - Equity Plan - Growth Option - Direct Plan = ₹1,200,000 invested. It would currently be worth ₹2,789,648 (multiplier 2.32×). XIRR: 16.09%. 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 - Direct Plan ranks #3 out of 26 funds in the Retirement Fund category — that places it in the top quartile (Q1) — strong outperformance. The category average return over the same window is 10.51%; this fund delivered 13.73%.

The worst peak-to-trough decline HDFC Retirement Savings Fund - Equity Plan - Growth Option - Direct Plan has experienced over the last 5-year window is 16.12% — 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 - Direct Plan averaged 20.31% (best 32.84%, worst 13.73%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is 0.55 — reasonable risk-adjusted performance.

In calendar year 2025, HDFC Retirement Savings Fund - Equity Plan - Growth Option - Direct Plan returned 5.68% — lagging the Retirement Fund category average of 5.89% by 0.21 pp. It ranked #15 of 30 in its category that year.

HDFC Retirement Savings Fund - Equity Plan - Growth Option - Direct Plan 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 - Direct Plan 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: 16.1%. 5-year CAGR: 13.73%.

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