SolutionRetirement FundDirect · Growth
HDFC Retirement Savings Fund - Hybrid-Equity Plan - Growth Option - Direct Plan
HDFC · Scheme 136464
₹42.98▼ 0.33%NAV · 2026-09-18
Decent FundScore
AUM
₹1,630 cr
Expense ratio
1.10%
3Y CAGR
8.9%
Risk level
Moderately High
Min SIP
₹100
Benchmark
Nifty 500 TRI
Fund manager: Shobhit Mehrotra, Chirag Setalvad, Rakesh VyasExit load: Nil
Decent · 61/100
A solid option with a few areas worth a closer look.
🎯 A dependable core holding for long-term SIP investors.
📈 Why it could do well
- ✓Very consistent — delivers dependably across market cycles, ideal for SIPs.
- ✓10Y CAGR vs category: +2.4% vs category avg
- ✓Positive 3Y windows: 100% of rolling 3Y windows positive
- ✓Beat category: beat category in 70% of windows
📉 What could drag it down
- •Down 1.6% over the last year — currently out of favour.
- •3Y CAGR vs category: -2.0% vs category avg
- •1Y return: -1.6%
FundScore breakdown
61/100 · Decent
Returns
Weak
Consistency
Excellent
Risk-adjusted
Average
Downside protection
Decent
Cost efficiency
Strong
Portfolio quality
Average
Each dial rates the fund 0–100 on one factor, computed from real NAV history. Fuller & greener = stronger.
SIP return calculator
Back-tested on this fund's actual historical NAVs. Past performance ≠ future returns.