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

We don't give personal investment advice. HDFC Retirement Savings Fund - Hybrid-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: 12.7%. 5-year CAGR: 9.39%.

HDFC

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

Latest NAV

₹36.1260

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	+0.21%	+0.16%	+0.05	4 / 11	Q2
1W	-1.26%	-0.86%	-0.40	7 / 11	Q3
2W	-0.20%	+0.10%	-0.30	9 / 11	Q4
1M	-2.23%	-1.05%	-1.18	10 / 11	Q4
3M	-5.03%	-1.48%	-3.55	10 / 11	Q4
6M	-8.20%	-3.09%	-5.12	10 / 11	Q4
YTD	-8.43%	-3.28%	-5.15	10 / 11	Q4
1Y	-5.75%	+0.25%	-6.00	10 / 11	Q4
2Y	+0.45%	+3.39%	-2.94	10 / 11	Q4
3Y	+8.76%	+11.15%	-2.39	7 / 11	Q3
4Y	+10.92%	+11.57%	-0.65	6 / 11	Q3
5Y	+9.39%	+10.29%	-0.91	6 / 11	Q3
7Y	+11.26%	+10.25%	+1.01	4 / 11	Q2
10Y	+12.18%	+9.87%	+2.31	2 / 7	Q2
Inception	+13.35%	+10.54%	+2.81	4 / 11	Q2

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	-8.43%	-3.28%	-5.15	10 / 11
2025	+5.01%	+5.70%	-0.69	6 / 11
2024	+13.82%	+15.02%	-1.20	6 / 11
2023	+24.51%	+21.68%	+2.82	6 / 11
2022	+4.76%	+2.84%	+1.91	2 / 11
2021	+24.22%	+20.89%	+3.33	6 / 11
2020	+17.20%	+10.17%	+7.03	2 / 11
2019	+6.98%	+6.46%	+0.51	4 / 7
2018	-0.31%	-1.56%	+1.25	4 / 7
2017	+27.94%	+22.74%	+5.20	4 / 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

+13.89%

113 windows

min -21.0% · max 60.3%

88% positive

3-Year rolling

+13.45%

89 windows

min -1.7% · max 25.5%

99% positive

5-Year rolling

+14.46%

65 windows

min 9.4% · max 20.9%

100% positive

7-Year rolling

+13.39%

40 windows

min 11.1% · max 14.6%

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

9.72%

3-year · annualised

Sharpe ratio

0.25

vs risk-free 6.5%

Sortino ratio

0.37

Downside-only deviation

Max drawdown

-12.72%

Sep 2024 → Mar 2025

% positive months

69.4%

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	HDFC	₹46.8480	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	₹36.1260
2 Jun 2026	₹36.2200
1 Jun 2026	₹36.1440
29 May 2026	₹36.3580
27 May 2026	₹36.6850
26 May 2026	₹36.6820
25 May 2026	₹36.7680
22 May 2026	₹36.4410
21 May 2026	₹36.3950
20 May 2026	₹36.3290

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 - Hybrid-Equity Plan - Growth Option is ₹36.1260. 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 - Hybrid-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 - Hybrid-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 - Hybrid-Equity Plan - Growth Option has delivered a absolute return of -5.75% — -6 pp behind the Retirement Fund category average of 0.25%. The fund ranks #10 of 11 in its category — the bottom (Q4) quartile.

Over the trailing 3-year window, HDFC Retirement Savings Fund - Hybrid-Equity Plan - Growth Option has delivered a CAGR of 8.76% — -2.39 pp behind the Retirement Fund category average of 11.15%. The fund ranks #7 of 11 in its category — the third (Q3) quartile.

Over the trailing 5-year window, HDFC Retirement Savings Fund - Hybrid-Equity Plan - Growth Option has delivered a CAGR of 9.39% — -0.91 pp behind the Retirement Fund category average of 10.29%. The fund ranks #6 of 11 in its category — the third (Q3) quartile.

₹1 lakh invested in HDFC Retirement Savings Fund - Hybrid-Equity Plan - Growth Option exactly 10 years ago would be worth approximately ₹315,559 today — a multiplier of 3.16×, based on the 10-year CAGR of 12.18%. 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 - Hybrid-Equity Plan - Growth Option over the last 5 years — total invested ₹600,000 — would be worth ₹714,901 today. That's an XIRR (money-weighted annualised return) of 6.94%.

A ₹10,000 monthly SIP for 10 years in HDFC Retirement Savings Fund - Hybrid-Equity Plan - Growth Option = ₹1,200,000 invested. It would currently be worth ₹2,109,131 (multiplier 1.76×). XIRR: 10.86%. 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 - Hybrid-Equity Plan - Growth Option ranks #6 out of 11 funds in the Retirement Fund category — that places it in the third quartile (Q3) — below the median. The category average return over the same window is 10.29%; this fund delivered 9.39%.

The worst peak-to-trough decline HDFC Retirement Savings Fund - Hybrid-Equity Plan - Growth Option has experienced over the last 5-year window is 12.72% — 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 - Hybrid-Equity Plan - Growth Option averaged 14.46% (best 20.89%, worst 9.39%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is 0.32 — weak risk-adjusted performance.

In calendar year 2025, HDFC Retirement Savings Fund - Hybrid-Equity Plan - Growth Option returned 5.01% — lagging the Retirement Fund category average of 5.70% by 0.69 pp. It ranked #6 of 11 in its category that year.

HDFC Retirement Savings Fund - Hybrid-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 - Hybrid-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: 12.7%. 5-year CAGR: 9.39%.

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