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 - 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: 12.3%. 5-year CAGR: 10.70%.

HDFC

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

Latest NAV

₹41.4050

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%	+0.23%	-0.01	14 / 30	Q2
1W	-1.24%	-0.92%	-0.31	20 / 30	Q3
2W	-0.16%	+0.19%	-0.35	26 / 30	Q4
1M	-2.15%	-0.65%	-1.50	29 / 30	Q4
3M	-4.77%	-0.23%	-4.54	29 / 30	Q4
6M	-7.69%	-2.18%	-5.51	29 / 30	Q4
YTD	-8.01%	-2.35%	-5.67	29 / 30	Q4
1Y	-4.69%	+1.26%	-5.95	29 / 30	Q4
2Y	+1.59%	+4.77%	-3.17	28 / 30	Q4
3Y	+10.02%	+11.65%	-1.63	16 / 27	Q3
4Y	+12.23%	+11.78%	+0.44	13 / 26	Q2
5Y	+10.70%	+10.27%	+0.42	11 / 26	Q2
7Y	+12.60%	+10.86%	+1.74	7 / 19	Q2
10Y	+13.66%	+11.27%	+2.39	3 / 11	Q2
Inception	+14.86%	+11.15%	+3.71	7 / 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	-8.01%	-2.35%	-5.67	29 / 30
2025	+6.18%	+5.89%	+0.29	12 / 30
2024	+15.16%	+15.71%	-0.56	13 / 28
2023	+25.99%	+21.10%	+4.89	10 / 27
2022	+6.09%	+2.72%	+3.36	4 / 26
2021	+25.83%	+18.09%	+7.74	6 / 22
2020	+18.61%	+13.07%	+5.54	3 / 22
2019	+8.31%	+8.63%	-0.32	8 / 11
2018	+1.31%	-0.39%	+1.70	6 / 11
2017	+29.98%	+26.41%	+3.57	6 / 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

+15.39%

113 windows

min -20.1% · max 62.2%

91% positive

3-Year rolling

+14.93%

89 windows

min -0.3% · max 27.1%

99% positive

5-Year rolling

+15.95%

65 windows

min 10.7% · max 22.4%

100% positive

7-Year rolling

+14.87%

40 windows

min 12.5% · max 16.2%

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

9.73%

3-year · annualised

Sharpe ratio

0.37

vs risk-free 6.5%

Sortino ratio

0.56

Downside-only deviation

Max drawdown

-12.29%

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 - 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	₹41.4050
2 Jun 2026	₹41.5130
1 Jun 2026	₹41.4240
29 May 2026	₹41.6670
27 May 2026	₹42.0380
26 May 2026	₹42.0340
25 May 2026	₹42.1320
22 May 2026	₹41.7530
21 May 2026	₹41.6990
20 May 2026	₹41.6220

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 - Direct Plan is ₹41.4050. 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 - Hybrid-Equity Plan - Growth Option - Direct Plan 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 - 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 - Hybrid-Equity Plan - Growth Option - Direct Plan has delivered a absolute return of -4.69% — -5.95 pp behind the Retirement Fund category average of 1.26%. The fund ranks #29 of 30 in its category — the bottom (Q4) quartile.

Over the trailing 3-year window, HDFC Retirement Savings Fund - Hybrid-Equity Plan - Growth Option - Direct Plan has delivered a CAGR of 10.02% — -1.63 pp behind the Retirement Fund category average of 11.65%. The fund ranks #16 of 27 in its category — the third (Q3) quartile.

Over the trailing 5-year window, HDFC Retirement Savings Fund - Hybrid-Equity Plan - Growth Option - Direct Plan has delivered a CAGR of 10.70% — +0.42 pp ahead of the Retirement Fund category average of 10.27%. The fund ranks #11 of 26 in its category — the second (Q2) quartile.

₹1 lakh invested in HDFC Retirement Savings Fund - Hybrid-Equity Plan - Growth Option - Direct Plan exactly 10 years ago would be worth approximately ₹359,949 today — a multiplier of 3.60×, based on the 10-year CAGR of 13.66%. The category average over the same window would have grown ₹1 lakh to ₹290,946.

A ₹10,000 monthly SIP in HDFC Retirement Savings Fund - Hybrid-Equity Plan - Growth Option - Direct Plan over the last 5 years — total invested ₹600,000 — would be worth ₹738,607 today. That's an XIRR (money-weighted annualised return) of 8.24%.

A ₹10,000 monthly SIP for 10 years in HDFC Retirement Savings Fund - Hybrid-Equity Plan - Growth Option - Direct Plan = ₹1,200,000 invested. It would currently be worth ₹2,273,534 (multiplier 1.89×). XIRR: 12.27%. 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 - Direct Plan ranks #11 out of 26 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 10.27%; this fund delivered 10.70%.

The worst peak-to-trough decline HDFC Retirement Savings Fund - Hybrid-Equity Plan - Growth Option - Direct Plan has experienced over the last 5-year window is 12.29% — 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 - Direct Plan averaged 15.95% (best 22.37%, worst 10.70%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is 0.45 — weak risk-adjusted performance.

In calendar year 2025, HDFC Retirement Savings Fund - Hybrid-Equity Plan - Growth Option - Direct Plan returned 6.18% — beating the Retirement Fund category average of 5.89% by 0.29 pp. It ranked #12 of 30 in its category that year.

HDFC Retirement Savings Fund - Hybrid-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 - Hybrid-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: 12.3%. 5-year CAGR: 10.70%.

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