HDFC Retirement Savings Fund Hybrid Equity Plan Direct Growth

Scheme code: INF179KB1MI4 NAV value: ₹ 35.8400 NAV date: 19 March, 2026 TER: 0.96%

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	-23.17	67.85	10.25	14.52	13.66
3 year	-2.07	26.92	14.62	13.71	12.89
5 year	9.21	23.34	14.69	14.67	12.87
7 year	11.69	15.06	13.71	13.60	11.93
10 year	13.23	14.55	13.63	13.70	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	14.52
3 year	6.28	30.95	15.04	13.71
5 year	8.38	26.02	14.22	14.67
7 year	10.18	15.62	12.93	13.6
10 year	11.42	12.93	12.18	13.7
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	14.52
3 year	6.56	19.64	13.57	13.71
5 year	9.22	12.29	10.75	14.67

NIFTY 200

Duration	Min (%)	Max (%)	Average return (%)	Fund's return (%)
1 year	-8.39	20.91	4.75	14.52
3 year	7.68	21.49	15.06	13.71
5 year	10.37	13.5	11.93	14.67

NIFTY 500

Duration	Min (%)	Max (%)	Average return (%)	Fund's return (%)
1 year	-8.47	20.67	4.16	14.52
3 year	8.04	32.03	17.81	13.71
5 year	8.18	28.64	15.34	14.67
7 year	10.64	16.42	13.77	13.6
10 year	12.56	14.06	13.31	13.7

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: ₹12,70,491 - Absolute Returns: ₹70,491 - CAGR: %

SIP return for 3 year

- Total Invested Amount: ₹36,00,000 - Final Portfolio Value: ₹44,15,990 - Absolute Returns: ₹8,15,990 - CAGR: %

SIP return for 5 year

- Total Invested Amount: ₹60,00,000 - Final Portfolio Value: ₹87,22,018 - Absolute Returns: ₹27,22,018 - CAGR: %

SIP return for 7 year

- Total Invested Amount: ₹84,00,000 - Final Portfolio Value: ₹1,41,83,790 - Absolute Returns: ₹57,83,790 - CAGR: %

SIP return for 10 year

- Total Invested Amount: ₹1,20,00,000 - Final Portfolio Value: ₹2,32,99,167 - Absolute Returns: ₹1,12,99,167 - CAGR: %

Drawdown Metrics

Max Drawdown

-27.66 %

Drawdown Duration

2 months

Recovery Time

8 months

Avg Drawdown

-2.88 %

Calmar Ratio by Duration

1 Y

0.525

3 Y

0.4957

5 Y

0.5304

7 Y

0.4917

10 Y

0.4953

Benchmark Comparison

vs NIFTY 50

Duration	Alpha	Beta	Upside Capture	Downside Capture	Fund CAGR	Benchmark CAGR
1 year	-1.55	0.68	67.1	66.5	3.24 %	4.00 %
3 years	2.13	0.66	68.1	62.2	11.80 %	11.28 %
5 years	2.57	0.64	65.5	59.7	10.95 %	9.44 %
7 years	2.71	0.62	64.2	59.1	11.84 %	10.74 %
10 years	3.25	0.63	65.8	59.9	13.23 %	12.06 %
12 years	2.24	0.63	65.8	59.8	10.93 %	10.00 %
15 years	1.26	0.63	65.8	59.8	8.65 %	7.92 %