HDFC Retirement Savings Fund Equity Plan Direct Growth

Scheme code: INF179KB1MF0 NAV value: ₹ 52.5600 NAV date: 19 March, 2026 TER: 0.79%

Fund option: Direct Fund type: Growth

Asset class: Solution Oriented Asset category: Retirement Fund

Rolling returns

Summary

Duration	Min (%)	Max (%)	Median (%)	Average return (%)	Category average return (%)
1 year	-30.94	95.98	14.19	20.07	13.66
3 year	-4.59	40.75	20.05	18.93	12.89
5 year	12.86	34.00	19.54	20.57	12.87
7 year	16.04	20.68	18.65	18.61	11.93
10 year	17.58	19.24	18.12	18.19	12.45

Comparison vs benchmark returns

Index

Metrics

NIFTY 50

Duration	Min (%)	Max (%)	Average return (%)	Fund's return (%)
1 year	-7.02	20.62	5.61	20.07
3 year	6.28	30.95	15.04	18.93
5 year	8.38	26.02	14.22	20.57
7 year	10.18	15.62	12.93	18.61
10 year	11.42	12.93	12.18	18.19
15 year	-5.65	15.88	6.78

NIFTY 100

Duration	Min (%)	Max (%)	Average return (%)	Fund's return (%)
1 year	-8.47	19.78	4.49	20.07
3 year	6.56	19.64	13.57	18.93
5 year	9.22	12.29	10.75	20.57

NIFTY 200

Duration	Min (%)	Max (%)	Average return (%)	Fund's return (%)
1 year	-8.39	20.91	4.75	20.07
3 year	7.68	21.49	15.06	18.93
5 year	10.37	13.5	11.93	20.57

NIFTY 500

Duration	Min (%)	Max (%)	Average return (%)	Fund's return (%)
1 year	-8.47	20.67	4.16	20.07
3 year	8.04	32.03	17.81	18.93
5 year	8.18	28.64	15.34	20.57
7 year	10.64	16.42	13.77	18.61
10 year	12.56	14.06	13.31	18.19

SIP rolling returns

Summary

If you invest ₹1 lakh per month in this fund through SIP, here are the estimated returns over different timeframes.

Duration	Invested amount	Final value	Return	CAGR (%)

Comparison vs benchmark returns

Index	Metrics

SIP return for 1 year

- Total Invested Amount: ₹12,00,000 - Final Portfolio Value: ₹12,96,180 - Absolute Returns: ₹96,180 - CAGR: %

SIP return for 3 year

- Total Invested Amount: ₹36,00,000 - Final Portfolio Value: ₹48,30,466 - Absolute Returns: ₹12,30,466 - CAGR: %

SIP return for 5 year

- Total Invested Amount: ₹60,00,000 - Final Portfolio Value: ₹1,02,43,520 - Absolute Returns: ₹42,43,520 - CAGR: %

SIP return for 7 year

- Total Invested Amount: ₹84,00,000 - Final Portfolio Value: ₹1,78,00,513 - Absolute Returns: ₹94,00,513 - CAGR: %

SIP return for 10 year

- Total Invested Amount: ₹1,20,00,000 - Final Portfolio Value: ₹3,05,38,918 - Absolute Returns: ₹1,85,38,918 - CAGR: %

Drawdown Metrics

Max Drawdown

-34.89 %

Drawdown Duration

2 months

Recovery Time

8 months

Avg Drawdown

-3.85 %

Calmar Ratio by Duration

1 Y

0.5752

3 Y

0.5425

5 Y

0.5895

7 Y

0.5333

10 Y

0.5213

Benchmark Comparison

vs NIFTY 50

Duration	Alpha	Beta	Upside Capture	Downside Capture	Fund CAGR	Benchmark CAGR
1 year	0.69	0.89	88.2	86.1	4.97 %	4.00 %
3 years	5.47	0.86	88.2	79.7	16.09 %	11.28 %
5 years	8.04	0.84	86.0	75.2	17.00 %	9.44 %
7 years	7.05	0.81	83.3	75.0	16.97 %	10.74 %
10 years	6.58	0.81	84.2	75.9	17.58 %	12.06 %
12 years	5.14	0.81	84.2	75.9	14.47 %	10.00 %
15 years	3.77	0.81	84.2	75.9	11.42 %	7.92 %